Nhau dzezvemari: mupiro unobatsira zvikuru. Raiffeisenbank: inonyanya kufadza pamusoro pemari yakakurumbira

Munguva yedu, mumwe nomumwe kana akaderera zvakanaka munhu ane mari, anofunga kuti: "Zvimwe ungazarura dhipatimendi?" "Raiffeisenbank" isangano rezvemari, umo vanhu vazhinji vanotsvaga zvakananga izvi. Iye zvino ari panzvimbo yechi13 pakati pemabhiza 600 eRussia. Uye ichi chiyero chakasimba, chinoratidza kuvimbika kwayo. Hazvishamisi kuti vanhu vazhinji vanotendeukira kubhangi iri. Asi ndezvipi zvingave zvaanokwanisa kupa zvaanokwanisa kutenga?

"Inobatsira"

Danho rekutanga nderekuudza nezvechipo ichi. Raiffeisenbank nzvimbo iyo yakanyanya kufarirwa. Uye, sezvinogona kunzwisiswa, zvichibva pazita racho-iyo inobatsira zvikuru.

Uye zvakanakira zvakaratidzwa zvakanakisisa mumuenzaniso wakajeka. Ngatitii munhu ane zviuru zvehurumende zvuru 1 000, uye anoda kuzarura mari ye "Nyasha" yemari iyi. Kwenguva yemwedzi gumi nemana (iyo yakareba, nenzira), pamwe nemari yepamusoro yekufarira. Mutengo uchava 6.5% pagore. Pakupera kwemazuva iwayo, munhu wacho achagamuchira ~ 138,400 rubles yemari inoshandiswa semari yekubhadhara. Zvakakoshawo kuziva kuti iyi inopihwa zvakare. Uye zvinobatsira zvikuru kuigadzirisa nayo ne capitalization yekufarira. Pasina iyo, mushure mekupera kwezwi, purogiramu ichave yakaderera ne8,000 rubles.

"Kubatsira katatu"

Zvakakosha kuudza nezvechipo ichi. "Raiffeisenbank" munyaya ino inopa mamiriro ezvinhu anotevera: nguva yemwedzi 6 kana 12, mashoma emadhora e1 000 000 (mumatatu matatu), zvinenge makumi mashanu kubva muzana ayo anofanira kuva rubles.

Hungu, chinonyanya kukosha pamutengo uyu ndechekuti mari yacho inotangwa nokukurumidza mumatatu emari - mu rubles, euro uye madhora. Nokudaro zita racho. Izvo zviyero zvakanyanya ndeye 1% ye euro, 2% yemadhora uye 5% yeRubles. Pane basa remwedzi wepamusoro. Izvi zvinoreva kuti mari inowedzera ichakura mwedzi mumwe nomumwe, sezvo kufarira kuchawedzerwa ku-akhawunti.

Ndezvipi zvimwe zvaunoda kuziva pamusoro pezvipo izvi? "Raiffeisenbank" inopa mazwi maviri, sezvatotaurwa kare. Uye imwe sarudzo inofadza ichava mupiro wemari kwemazuva 366. Zvadaro zviyero zvichave zvakanyanya (zvakanyorwa pamusoro apa).

"Sarudzo yega"

Iyi ndiyo imwe yemari yakakurumbira iyo Raiffeisenbank inopa. Vanhu 'vanoisa mari yakasiyana maererano nemamiriro ezvinhu. Uye munyaya iyi kubatsirwa kunowanikwa mubhadharo rakanaka rwekufarira. Zvinogona kutamirwa kune kariyozvino yekwereti kana kuwedzerwa kune chikamu chedhipiti. Inogona kuzadzikiswa, nenzira, kune chero chiyero chipi zvacho.

Saka, regai munhu anopa 1 000 000 kwemakore maviri pamutengo wakapiwa. Iyo pfuma ichave 120 000 r. Mutengo uri 6% pagore. Icho chakaderera kudarika mune imwe mimwe mitero, sezvo pane zviitiko zvakakosha maererano nekutora chikwereti. Asi, nenzira, zviri nani kuvhura dhipiti ye "Sarudzo yega" kwemwedzi gumi nemaviri, pane 24. Saka iyo yezinga ichava yakakosha - 6.5%.

Nenzira, kunewo "Rusununguko Rwekuita" mutero, unoreva kuti pane nguva ipi zvayo kubvisa chikamu chemari pasina kurasikirwa chido uye kuzadza mari yacho. Asi chete munyaya iyi, chiyero, kana chakagadzirwa kwegore, chichava 5.5%. Uye mabhiriyoni makumi mashanu emakumi mashanu aya anobva kumamiriyoni.

«Mishahara»

Kutaura pamusoro pezvipi zvinowanikwa muRaiffeisenbank zviripo kune vanhu, hazvigoni kutaurira mutengo uyu. Akakurumbira zvikuru. Kana vari vanhu vanoda kubudisa, zvinokwanisika kusunungura mari (pasina kurasikirwa kwechido) uye kuzadza mari yacho. Kufarira kunoshandiswa, uye mukana unowedzera, kana chikamu chemupiro ichiwedzerawo.

Kana munhu achida mubhadharo we "Salary", saka anofanira kuziva nezvekugona kubatsira. Kana iye akashandisa 1 000 000 p., Pakupera kwemwedzi gumi nemaviri achabvuma ~ 63 800 rubles yenzuzo. Izvi zviri kufungisisa iyo capitalization. Mutengo wacho ndiwo 6.2% pagore.

Idzi ndidzo dzinowanikwa zvikuru. Pano panewo mari yakatarwa. Semuenzaniso, "Inishuwarenzi", "Investment", "Premium", nezvimwewo. Asi iyo mari yaive yakanyorwa kare, pakati pevanhu inowanzodiwa.