Wekumusoro kunobatsira upfumi: kudzokorora ezvinhu, kufarira rates wongororo

Modern mabhanga kupa yakasiyana dhipoziti zvirongwa zhinji. Nokuti mumwe nomumwe wavo ane pachake ezvinhu ayo, uye saka mubereko pamusoro pavo vachava zvakasiyana. Asi sangano ose zvemari ane zvinobatsira upfumi kuti vari akakodzera dzakakwirira purofiti. Kusarudza yakavimbika sangano, unofanira kufunga zvinoverengeka.

Kusarudza mubhengi

Chinonyanya zvinobatsira deposits vane kuuraya nayo yakachengeteka bhengi. To musi, mukurumbira mari masangano akadai Sberbank uye VTB24. Vazhinji vanodavira kuti masangano aya vasakanganise kusauka, uye saka chivindi kutakura mari yavo mubereko hazvibatsiri zvachose. Asi yakavimbika nebhengi ndiye paChikoro hurumende dhipoziti inishuwarenzi hurongwa.

Kunyange kana tsika mari anoenda kusauka kana kuteverwa yezve ari rezenisi, depositors vacharamba kuwana mari dzavo. The kunonyanyisa payout inishuwarenzi ndiyo mamiriyoni 1,4 rubles. Saka, zvakanakisisa kugovera Verengai uye mari yake mabhanga akawanda. Customer inofambiswa kunoratidza kuti zvakakosha kushandisa chete pashure nokungwarira ongororo yacho tsika zvemari. Chete haufaniri kunetseka nokuti kuchengeteka mari dzavo.

Sarudzai bhidha

Zvinobatsira deposits vane mwero wakakodzera. Asi vakawanda vanotanga hazvirevi zvisingabatsiri. Zvose zvinoenderana kukura uwandu uye mwero iri kupomerwa. Zvinofanira kurangarirwa kuti mwero mubereko kunoenderana uwandu okuchengetera refu. Kazhinji, hombe nemari zvikoro kumisa kadiki bheji pamusoro deposits, uye masangano duku kukwezva vatengi kufarira kukuru. Asi iwe unofanira kunyatsofunga kusarudza tsika, sevamwe mabhanga havabatanidzwi inishuwarenzi mugadziriro. Tinofanira kusarudza svikiro kadikidiki masangano, ane mwero iri pakati 14-18%. The chikamu muzana wakasimba uye zvinoyangarara. Chokutanga dzakachinjwa kutapudzwa uye zvowedzera rose dhipoziti.

mubereko capitalization

Used 2 zvokusarudza accrual rate:

• pakupedzisira nokuda yose nguva;
• pashure nguva, akadai ose mwedzi.

The Nzira yokupedzisira inonzi capitalization. Inogona kuitwa mwedzi mumwe nomumwe, uye kamwe chete muzvina, pagore. Izvi zvinonyanya zvinobatsira deposits, sezvo mari iyo mubereko rinowanikwa, kunowedzera. Kana capitalization zvichigaroitika, zvinonyanya zvinobetsera vatengi. Maererano Wongororo zviri pachena kuti pfungwa iyi anosarudza zvikuru vanhu.

Deposits vane replenishment uye withdrawals

Zvinobatsira deposits ndiwo:

• nokukurumidza;
• kudiwa.

Zvapedzisira kuita anoonekwa kuti yamunenge. The yeGmail.END_STRONG anogona nguva dzose mari yavo. Asi kuti basa rakadaro akapiwa chikamu chiduku. In tsika, zviri pachena kuti goho riri pakutsvaga mari mubhangi uye kukura. Zvakanakisisa kuvhura rubatso kwenguva refu.

Term deposits muri nemari uye tinofanira kugara. On kechipiri Kutarira, unogona kuisa mari, pakutanga - kwete. Kana wavhura rubatso izwi, pashure iyo yeGmail.END_STRONG anoda kurinhonga, kureva ndingangokuvara kurasikirwa mubereko kana rose mari. Maererano Wongororo zviri pachena kuti vaviri mari idzi akabvunza.

Sarudza mari

The nemhosva vanofanira kuona mari dzaishandiswa. On vatorwa mari deposits zvinopiwa yakaderera, vatengi dzakawanda kunakidzwa Ruble zvirongwa. The yakanakisisa kusarudza zvingava kuti kunanga mari pamwe mitengo diki. Nyanzvi dzinodavira kuti zvinodiwa kuti kuparadzanisa mipiro anoverengeka dzeEurope. Mune dzimwe masangano, kuchera multi-mari deposits.

Zvinobatsira deposits akaita inokosha simbi. Inowanzoshandiswa Platinum, palladium, sirivha nendarama. Ichi chisarudzo chikuru kana deposits kwenguva yakareba, nokuti zvinhu mutengo chete kukura. Asati vachipinda kutengeserana vanofanira kujairana kondirakiti. Banks nokuti kutendeuka akavhiyiwa tora chikamu chiduku, zvichava kuzivikanwa kubva kondirakiti.

mari mubhengi

Mari, unogona kusarudza Sberbank. nomupiro Kunobatsira anonzi "Rambai-mutsetse." Danda payo ndiyo 6-7,7%. Kuti uvhure rubatso waiti kuda mamiriyoni 2 rubles. Somuenzaniso, unogona kugadzira ngaakuitirei kuti gore rine mwero 7,3%. Kana achapfuura iyi, nhoroondo achava 2.150.745 rubles. mugumisiro iri kuwanwa capitalization mhindu. Akumbirwa mubereko anogona kubviswa mwedzi wose.

Izvi zvinonyanya kunobatsira pamahombekombe deposits, nokuti yeGmail.END_STRONG anogamuchira rakadzikama mari. Kana kuti pachibvumirano dzimwe mari, zvichabuda akasiyana Ruble deposits. Unofanira dzifambirane nhoroondo yako haisi asingasviki 100 000 madhora, uye mumakore matatu mari achava $ 7 000. Nemhaka kubhangi kuti vatengi zvakanakira vazhinji kutaura naye chokwadi.

Kubhengi "Home Credit"

Get zvikuru kwemari mupiro kuchaita kuti purofiti. "Home Credit" inopa chirongwa chacho "Kunobatsira gore." Chete hakuna kupiwa mukana rayirai mari pasina kurasikirwa mubereko. Bvisai mari haigoni kuva kukwana. Kana uchiri vanounganidza mari kuguma chibvumirano pamberi, kubhangi kuzvitenga 0.1% pa annum. The yeGmail.END_STRONG anogona mari kubva 1 000 rubles, uye kufadza huwandu haisi shoma. Rate ndiye 7,75%. Percentage capitalized uye haina kushanduka panguva. Vatengi vakawanda vakabatsirwa nepurogiramu, nokuti wongororo nezvazvo zvakanaka chete.

VTB24

Zvikuru kunobatsira deposits mu rubles vanosanganisira VTB24 chirongwa. Sezvo inogona midzi akasununguka zvinhu kwenguva chaiyo munguva mhindu. Deposit zvazvingava yose nguva haina kuzvireva.

Kufarira rinowanikwa mwedzi wose. Ko capitalized uye mari inobhadharwa kuva yoga nyaya. Early kugumiswa zvinogoneka chete kuburikidza 181 zuva. On dhipoziti "Kunobatsira" akapiwa 7,02%.

"Gazprombank"

The sangano anoda kuti ape mupiro "Perspective", izvo zvakaenzana mwero 8%. Kana anokweva madhora, ipapo yakaipa achava akaenzana 1.2% uye euros - 0.1%. Unogona mari kwemakore 3 years uye 1 zuva. A zvishoma 15 000 rubles. Investments zvakakodzera kuita kamwe chete, pamukova. Mienzaniso kushaya haabvumirwi. Income muzana aibhadhara mushure expiry chesungano. The chikamu muzana zvingava zvakasiyana zvichienderana mari uye izwi. Mwero 8% rinoshandiswa kana dhipoziti rakazaruka riri uwandu mamiriyoni 1 rubles kwemazuva 181.

"Rosselkhozbank"

Rinopa mapurogiramu akawanda kuti bhengi, uye mumwe wavo - "Kufarira Advance". Inopa mupiro mazuva 395 kana 548. Kanenge unogona kuisa 3000 rubles, uye kufadza harina parinogumira. Kufarira anofanira dzaona pazuva rakatevera zuva rose mari. Mari dziri hwakatamisirwa kadhi, akazarurwa "Rosselkhozbank".

Kuti muzadze mupiro hazviiti. Kana iwe kurivhura nokuda kwemazuva 395, mwero achava akaenzana 7.2%, uye 548 - 7.4%. Zvinopfuura 50 000 rubles pachena kadhi "Amur ingwe" ane zvibereko 7% pa annum. Zvinobatsira mumwe mipiro ine maitiro ayo uye mamiriro ezvinhu kunyoresa. Usati kurivhura, unofanira kuzivana naye vaitaura pamusoro mabhanga akawanda, uye ipapo sarudza chimwe.