The chimbadzo pamahombekombe deposits. Apo Wekumusoro akanaka mubereko prices pamusoro deposits

Vazhinji vedu hope kurarama mubereko kubva deposits uye kuita chinhu. Munhu wose anoda kufamba, unakirwe uye kudzidza chimwe chinhu chitsva, asi regai kutambisa nguva yako pabasa. Nhasi kune mabhanga mazhinji Russia kuti inopa vatengi ayo akasiyana-siyana dhipoziti. sangano neimwe mari prices dzavo uye mamiriro ezvinhu nokuisa mari. Nokuti investor chikuru chinhu - yeuka kuti kukwirira mubereko prices pamusoro deposits - ndiyo ngozi, nokuti mabhanga kuti vane matambudziko liquidity, haangatenderi mari iwe zvikuru. Hazvina zvakafanira kurota kuti uchakwanisa kurarama pamusoro mubereko chete, unofanira kufunga mitengo, uye kuti kuwana mari zvakanaka kubva dhipoziti unofanira kupfeka kwaari mazakwatira emari.

Kufarira pamusoro deposits uye mhando deposits

mabhanga kubhadhara depositors dzavo mari muchimiro mubereko, nekuti vanoramba mari yavo chevanorwara zvemari. Maererano mitemo yeRussia, dhipoziti mubereko rinowanikwa daily. Ivo vanobhadharwa zvichienderana chibvumirano pakati depositor uye kubhengi (kamwe pamwedzi, muzvina, mwedzi mitanhatu, rimwe gore, uye zvichingodaro. N.). Kune mhando mbiri mubereko kukarukureta:

1. Simple - kana kufarira akapiwa kuti yoga nhoroondo nemhosva. Kunyoresa kunoitika mukati nguva raanotaura kondirakiti.
2. Complex - kana kufarira akapiwa kuna capitalization. Muchidimbu, muviri dhipoziti uri pamwedzi kana Quarterly hwaro uye akawedzera kuti chitsama yechimbadzo dhipoziti.

Saka, kana iwe kuzarura rubatso mubhangi panguva uye mwero chete, zvino, zvichienderana nzira mubereko kukarukureta, kwokupedzisira uwandu wako mari zvichava zvakasiyana. Sezvingatarisirwa, pamwe chete capitalization kufarira iwe uwane zvakawanda, nekuda mari zvichawedzerwa muviri dhipoziti uye kuwedzera izvozvo. Rate pamusoro deposits nerimwe bhengi ane yayo, izvozvo zvinoenderana pakagadzwa mugwaro uye kudiwa mari iri mubhengi. Chinhu chikuru kune depositor - tarisa mukurumbira tsika (uye munyika yanhasi zviri nyore), uye chete ipapo kusarudza bhizimisi.

Kusvika panguva mabhanga Russian kupa depositors yavo mhando huru nhatu deposits:

• Term dhipoziti.
• Nokusingagumi (ari kudiwa) zvipo.
• Mari dhipoziti.

Vakasiyana mumwe nokuda vanoverengeka zvivako uye vane zvizhinji zvinhu.

dhipoziti izwi

Term dhipoziti - ndiye placement mari iri mubhengi kwenguva yakati nguva, izvo raanotaura chibvumirano, pashure izvo depositor anogona dzinodzora mari dzavo ndinoiitawo mubereko. Asi pane imwe nzira - kurebesa yacho dhipoziti. Kune zvitatu marudzi inokosha dhipoziti rokuti: pfupi (1 - 3 months), svikiro-izwi (3 - 9 months) uye kwenguva refu (vanopfuura 9 months). Kazhinji, kwenguva refu nguva, chikuru mwero pamahombekombe deposits. Kudivi rimwe, kwakadai dhipoziti ndiyo runobatsira makambani, nekuti mabhanga kukupa mubereko mukuru prices iri izwi deposits iri. Ukuwo, haugoni mberi kana uchida kutora mari yako pasina kurasikirwa mubereko.

Mupiro inogona wakabudiswa rubles uye dzimwe mari.

chinodikanwa dhipoziti

Permanent dhipoziti - rubatso kuti anoita pasina nguva constraints. Chinodiwa Its ndechokuti unogona chero nguva yokugamuchira mari kubva kupfungwa zvemari shure. Zvakanakira kudiwa dhipoziti zvinosanganisira risingaperi pasherefu upenyu zvinodhaka uye mukana yokubvisa vavo pasina kurasikirwa mubereko. By nezvayakaipira - zviduku mabhanga 'kufarira prices pamusoro deposits.

Kufanana dhipoziti izwi rinogona achasvinudzwa uye akazaruka-dzakaguma rubles uye dzimwe mari.

mari dhipoziti

Mari dhipoziti - mupiro chakaitwa chairo nguva, kazhinji kwemakore mashoma. Pasi chibvumirano, may muridzi chero nguva dhipoziti mari munzvimbo yacho, asi hazvigoni kubviswa kusvikira pakuguma izwi. The chimbadzo pamusoro deposits iyi mhando dziri kumwe pakati pakati mwero iri izwi uye kudiwa deposits.

Kuti uvhure account kunogona kuve rubles uye dzimwe mari.

Deposits mu rubles

Munyika dzese munyika National mari hwagara zvakurukurwa kwazvo purofiti, kwete kunze, uye Russian Federation. Nhasi, mabhanga Russian kupa vatengi guru mari mubhangi zvirongwa zviri rubles. Rate pamusoro deposits nerimwe sangano yakasiyana, izvozvo anochinja kakawanda, zvose nenzira kuwedzera uye kudzikira. Maererano nenhamba, akatsiga mabhanga kupa paavhareji musika chimbadzo pamusoro deposits. Muna nhasi, paavhareji chimbadzo pamusoro pamusika - zviri 9 -11% pa annum. Kune Chokwadi, tsika yaunogona kuita rubatso uye nenguva 19%, asi zvakawanda pamusoro chimbadzo anoratidza kubhengi kuti kusagadzikana. Somuenzaniso, for mumari Bank deposits mu National mari kubva 8,41 kusvika 10,52% (the kubva muzana kunoenderana ya mupiro), asiwo mukurumbira kupfungwa chemhando chechetere.

Deposits mune madhora

vagari vazhinji vanoramba mari dzavo mune dzimwe mari. The mari Inonyanya iri Russian Federation, kuwedzera Ruble - iri madhora. vanhu vazhinji, nokuda kuderedza ari Ruble, edza kutenga currency pamwe ose mari yokuwedzera. Naizvozvo, nhamba vagari venyika yedu vakagadzirira kuvhura guru deposits zvakakwana mune madhora. Hongu, kuti chimbadzo pano dererei zvikuru pane kana mupiro mu National mari, asi Gengi anowira ukuwo, US mari iri kukura. MuRussia pane yakawanda mabhanga makuru, izvo kukupa pamwero wakanaka kufarira pamukova romupiro mune madhora. Average mwero iri deposits pamisika nhasi, kubvira 4% kusvika 6% pagore. A mienzaniso mishomanana:

• "VTB 24": kubva 3.22% kusvika 5,55%.
• "Gazprombank": kubva 3,70% kusvika 5.00%.
• "Bank of Moscow": kubva 3.22% kusvika 5,61%.
• "Raiffeisenbank": kubva 3,53% kusvika 5,73%.

Huwandu mubereko pamusoro dhora deposits, uyewo deposits mu rubles, zvichienderana rokuti placement mari. Somuenzaniso, mubereko prices pamusoro deposits iri mari Bank.

• Deposit 6m:. 4,19-5,05%.
• Deposit musi 1 g:. 3,4-4,13%.
• Deposit 2 g:. 3,35-3,78%.

Pano zvakafanira kusarudza mumwe nomumwe uye kufungawo riniko muri kuda mari yavo.

Deposits Euro

Euro mari akava akakurumbira vanhu vakawanda vari Russia muna Russia ichangopfuura, asi nerimwe gore vanosarudza kuchengetedza mari iri mariri. Banks vanogara kuedza kusangana vanoita, saka vanosarudza kushanda zvose makuru dzeEurope (dhora, euro, paundi). Deposits Euro dzinogona kurongwa munzira sangano dzinenge dzose zvemari muRussia. Rate pamusoro deposits kuti mari ishoma, asi sezvo dhora, euro richikura. Nhasi, wokuRussia dambudziko, asi Ruble devalued, nyanzvi dzakawanda angarayira vagari kuchengeta mari yavo iri dzimwe mari. A mienzaniso mishoma prices pamusoro dzimwe mari deposits:

• MARI: kubva 3.08% kusvika 4.95%.
• "VTB 24": kubva 3.12% kusvika 5,34%.
• "Gazprombank": kubva 2.50% kusvika 3.10%.
• "Bank of Moscow": kubva 3.12% kusvika 5.21%.
• "Raiffeisenbank": kubva 2,53% kusvika 3,02%.

Hongu, kufarira idukusa kuti deposits mune rubles uye kunyange US mari, asi vazhinji kupfeka kweeuro dzaitarisira.

Deposit Rating kuti mabhanga Russian

Tiri kurarama munyika umo haachazozvivanzizve chinhu, saka awane mashoko pamusoro Russian bhengi chero nyore. Unogona kuenda paIndaneti uye vanoona zvose kuti uri kuda. vanoita kazhinji vanotsvaka pemahombekombe ratings kweRussia, uye zvakawanda zviri ratings kupfuura zvinobatsira deposits mune rubles uye dzimwe mari. Kazhinji, masangano akasiyana kuongorora pamusika uye kusika netafura, iyo inoratidza zvinobetsera kupa kubva masangano. Kana tikafunga chete deposits kwenguva 1 year, ari kureva muna 2015 ndiko sezvinotevera (kubva kumusoro kusvika tikarega mubereko prices):

1. "PSB".
2. "Credit Home Bank".
3. "Alfa-Bank".
4. "UniCredit Bank".
5. "Uralsib"
6. "Raiffeisenbank".
7. "Rosselkhozbank".
8. "Rosbank".
9. Bank "Russian Standard".
10. Sberbank.

In chii mari kuchengeta mari yavo?

Russian upfumi nhasi haisi akanakisisa pachikuva kwayo, paiva zvinokosha kuderedza pamusoro Ruble, mitengo ndichifumira uye mubayiro mira. Vanhu vakawanda vanobvunza pachavo mubvunzo: "In iyo mari kuchengeta mari dzavo," Asi hazvina mhinduro iri nyore. Vamwe vanodavira kuti zvinokosha kuti vatenge madhora uye euro, nokuti kosi anogara kukura. Vamwe angarayira kuvhura deposits mu National mari, nokuti mwero iri deposits dzakadaro zvakawanda. Mune dzimwe musimboti rimwe, uye varipo akanaka uye kunaka mumativi. Chinhu chikuru kuti zvaunoda - ndiko kuti kusarudza zvaunoda kuronga kuti apedze vaunganidza mari, uye chete ipapo tsunga Currency.

MuRussia pane kuwanda zvakasiyana nemabhengi zvemari masangano. Vose vari kuedza kunyengera pachavo yakawanda sezvingabvira vatengi uye richikura ayo dhipoziti uye chikwereti Portfolio. Munhu wese munyika yedu iri kuedza kuwana mari yakawanda kuti variritire pachavo, nemhuri dzavo uye nezvizvarwa. Nokuti vanhu vazhinji, ivo deposits vava chinokosha yavanotambira. Bank dhipoziti rate unotipa kuwedzera yedu nemari uye torega mitengo. Bvumiranai kuti kuwana mamwe 10% pagore kuti mari yako haisi kuipa.

Vanamazvikokota vakawanda vanodavira zviri nani kushandisa mari mumabhizimisi. The investor mari anogona kuva anosvika 35-40% pagore, asi pane pangozi yokurasikirwa zvose. Nokuti zvakafanana murume, ane diki muhoro hazviitwi, zviri nani kuti uvhure dhipoziti. Asati kunyoresa, chinhu chikuru kuti aone ndewekuti kubhengi iri nhengo State Deposit Insurance System (anongoda zvose masangano zvemari, chinosanganisira). Pamusoro pazvo, hurongwa inopikira vose anodzokera 700 000, kusanganisira mubereko.