Ndechipi dhipoziti nhoroondo iri mubhengi uye chii mhando ndiyo?

Banking mabasa anoshandiswa nevanodavira zvinenge zvose zviri pamutemo masangano, uyewo vanhuwo. Nokufamba kwenguva, vakava mubvunzo: "? Chii rubatso nhoroondo mubhengi" Mhinduro iri nyore: zviri yakadaro nhoroondo kuitika kubhengi apo mutengi anochengeta mari yavo, uye kubhangi, akavapindurawo, nokuti inobhadhara iye ari muchimiro mubereko accruing pamusoro dhipoziti uwandu. Deposit nhoroondo unowanzonzi mupiro kana dhipoziti.

Nemamwe mashoko, tinogona muchidimbu kuti dhipoziti nhoroondo iri mubhengi - inzira kuchengetedza uye kuwedzera mari yako uchishandisa kuminamato zvemari masangano.

Nyaya

Greece anonzi murwizi yakatanga kubuda nhungamiro yokutanga mubhangi nyaya. Panguva apo pakanga pasina ano masangano zvemari uye nokuziva kuti kwakadaro dhipoziti nhoroondo mubhangi, vanhu vakaramba upfumi hwavo mutemberi. Ivo akaunganidzwa yavo muhari, akanyora zita rake uye musi. Panguva iyo chechi akatora kuzvipira kuchengetedzwa tsika, asi zvaizotora kuti kubhadhara basa rakadaro. Kwakafanana pabasa rokuponesa tsika munyika nomumwe ano dhipoziti mabhokisi, izvo zvinopa mabhanga.

Panguva apo vanhu vakawanda vanochengeta mari dzavo tumari goridhe, pane vanonzi "vemari". Vakachengeta mari imwe kubhadhara. Zvadaro vakaziva kuti mari yendarama, izvo akachengetwa, anogona kupiwa vamwe muchimiro zvikwereti uye mari. Panguva iyi, takanga vakaberekerwa nheyo yokutanga uye kunzwisisa chii dhipoziti nhoroondo iri mubhengi.

Apo vanoita vakadzidza kuti vaichinja mari dziwane mari yavo, vachida kubata vamwe mibayiro. Kubvira paiva nheyo accrual afarire placement yacho dhipoziti.

Kune mhando zvakawanda deposits. Nyaya ino inotsanangura zvikuru nevanhu vavo.

Ndezvipi mhando deposits pamusoro rokuti crap?

kusiyaniswa chokuratidza ichi:

1. Raidiwa deposits.

Zviri mubhangi mhando iyi, mune mazwi izvo anenge kuti shoko rokuti the dhipoziti chibvumirano muna kwete, kureva, ivo undated.

2. Time deposits.

deposits izvi vane kwenguva yakatarwa. Kazhinji makondirakiti akagumisa pana 3, 6, 9, 12 uye 24 mwedzi, asi dzimwe nzira zvinobvira. deposits kwakadaro kunogona akadzokera mberi purogiramu, kana inopiwa kondirakiti.

Ndedzipi dzimwe nzira kubvisa dhipoziti mari?

Pakazosvika nzira mubhangi rokubvisa zvinoreva deposits inogona kukamurwa marudzi anotevera:

1. Pamugumo rokuti zvachose.

deposits kwakadaro hazvigoni kubviswa akashaya, asi kana nemhosva terminates kondirakiti pamwe kubhengi. Asi muchiitiko chino zvichava kwazvo chitsama mubereko izvo pamahombekombe achabva mutengi kuti kutyora zviri pasherefu upenyu mari, izvo zvave raanotaura kondirakiti.

2. Zvinokwanisika kukwana kurega.

Deposit nhoroondo zvingangoita kupa zvakanaka mutengi aoma ngavabude mari munhoroondo, pazvinoita. Muchiitiko ichi hapana chirango mutariri kwaari kubhengi haangavi ingashandiswa.

Deposit mari inogona kubviswa kana kuburikidza kubhangi kuti mari uye asiri mari kuchinjirwa kune kadhi kana nhoroondo ano. Nokuti ichi kubhangi anogona kutitorera chimwezve kubhadhara.

Sezvo dzakava mubereko pamusoro deposits?

Deposits kubudikidza nzira kukarukureta uye kubhadhara mubereko akakamurwa:

1. Deposits nechido bhadharika panguva kukura.

Izvi zvinoreva kuti kufarira kuti accrues Bank mu uwandu mipiro uye kufambira mberi kuti vatengi panguva kuripwa dhipoziti muviri pakupera kwenguva.

2. Mipiro capitalization.

Mipiro kwakadaro vanoonekwa kuti nani. pane yapfuura vaya. Conditions zvaireva kuti remwedzi kufarira kuti mhosva kuti yeGmail.END_STRONG panguva mupiro wake, kubhengi kunowedzera mutumbi okubhengi, kureva, mwedzi unotevera mubereko achange dzakava yakawanda.

Kuti tinzwisise zviri nani zvinotaurwa rubatso nhoroondo mubhengi, unofanira kuparadzanisa mipiro pasi chibvumirano kuwedzera pasherefu upenyu (kana dhipoziti chibvumirano):

1. Pasina mutsidziro.

Data dhipoziti chibvumirano hazvigoni kuwedzerwa yapera. Deposit chichange zvikachenge- rokubhengi pasina mubereko kusvikira nemhosva yavo asingaiti kunhonga.

2. prolongation.

Kusvika panguva prolongation ari dhipoziti zvibvumirano zviri akakodzera uye nevakawanda basa. Mushure expiry pamusoro dhipoziti rwoga reallocating kune imwe nguva uyo chibvumirano chakanga yakasainwa, asi pasi idzva dhipoziti unodiwa. Kakawanda mabhanga vane imwe kuvimbika chirongwa, izvo nokuti prolongation anowedzera mureza chimbadzo kubva 0.5 1%, izvo zviri zvikuru zvakanaka kuti mutengi.

Maererano nzira replenishment mari Nhoroondo dziri:

1. replenishment.

deposits kwakadaro kunogona kukasawedzerwa chero nguva, iyo inobatsira chaizvo kana uine mari yokuwedzera kuti bhanga mutengi anodawo kuisa nhoroondo yakadaro.

2. Pasina replenishment nezvaanogona.

Izvi mhando dzose deposits hazvigoni pachayo, riri nezvaro chibvumirano kuti kuvhura kubhangi.

Ndezvipi deposits ndiwo zvikuru nevanhu?

Zvichitevera muenzaniso mabhanga Russian, tinogona kugumisa kuti chinonyanya akakurumbira ndiyo ainakidza dhipoziti nhoroondo. "Alfa-Bank" riri dhipoziti yakadaro accrues chikuru kubva muzana kana tichienzanisa nedzimwe marudzi deposits. Classical ndivo avo ayo anoiswa kwenguva chaiyo nguva pasina mukana kukwana rokubvisa.

Kuti uvhure rubatso nhoroondo mubhengi, kazhinji anofanira kuunza pamwe pasipoti uye mutero kuziviswa kwako nhamba.