Kutalikitsa ndi kupititsa patsogolo ndalama za dipositi - ndi chiyani komanso momwe mungasankhire ndalama zokhala ndi ndalama zowonjezeranso ndikuwononga chiwongola dzanja pa akaunti + njira zisanu zokulitsira ndalama

Send

Moni, owerenga okondedwa a Magazini azachuma a Ideas for Life! Lero tikukuuzani za capitalization ndi kutalikitsa ndalama, komanso mabanki omwe amapereka masheya okhala ndi chiwongola dzanja ndi kubwezeretsanso.

Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!

Si chinsinsi kuti kusungitsa ndalama kubanki ndi njira imodzi yotchuka kwambiri yopezera ndalama zaulere ku Russia. Ndicho chifukwa chake kuphunzira za magawo azosungidwa sikutha kukhala koyenera.

Pambuyo powunika zomwe zafotokozedwazo kuyambira koyambirira mpaka kumapeto, owerenga aphunzira:

Kodi capitalization ya chiwongola dzanja pa akaunti ya deposit ndi kangati zomwe zingachitike;
Kodi kutalikitsa ndalama kumatanthauza chiyani ndipo zikhalidwe zake ndi zotani;
Kodi ndingapeze kuti ndalama zopindulitsa ndi capitalization, prolongation, ndi kubwezeretsanso;
Osayenera kulakwitsa posankha ndalama ndi capitalization.

Kuphatikiza apo, nkhaniyi ili ndi malangizo amomwe mungasankhire ndalama zoyenera ndi capitalization, momwe mungapititsire mgwirizano. Komanso kumapeto kwa kufalitsa, mwachizolowezi timayankha mafunso osangalatsa kwambiri pamutu womwe tikukambirana.

Ndikofunikira kuti aliyense adziwe momwe zinthu zilili ndi dipo - iwo omwe ali kale ndi dipositi; iwo omwe akungokonzekera ndalama kubanki; komanso kwa iwo omwe amangopititsa patsogolo maphunziro azachuma... Pemphani pazinthu zonse zofunika kumvetsetsa pakadali pano!

Ponena za capitalization ya chiwongola dzanja pa akaunti ya dipositi, kodi kutalikitsa ndalama kumatanthauzanji ndipo zimachitika bwanji, momwe mungasankhire ndalama zokhala ndi ndalama zambiri komanso ndalama zazikulu - werengani m'nkhaniyi

1. Kodi capitalization ndi chiyani - lingaliro mwachidule + chitsanzo cha kuwerengetsa ndalama ndi chiwongola dzanja 📈

Ku Russia, madipoziti amabanki (madipoziti) asungabe malo awo otsogola kwanthawi yayitali, ngati njira kupulumutsa ndipo kukulitsa ndalama. Amadziwika ndi anthu komanso mabungwe. Jenda, zaka, kuchuluka kwa ndalama komanso magawo ena azikhalidwe zilibe kanthu.

Nzika zambiri zimamvetsetsa bwino kuti ndi chiyani Kusungitsa kubanki... Komabe, sikuti aliyense angathe kufotokoza capitalization.

Chifukwa chake, kodi capitalization ya chiwongola dzanja pa capital account ndi chiani?

Kupititsa patsogolo chiwongola dzanja pa akaunti yosungitsa ikuyimira kuwonjezera kwa ndalama zomwe zapezedwa kwakanthawi kwakanthawi pazomwe zidasungidwa.

Mwanjira ina, ngati pangatchulidwe kuti capitalization ya chiwongola dzanja malinga ndi zomwe adasungitsa, amachulukitsa kuchuluka kwa zomwe adapereka. Zotsatira za njirayi ndikuti mtsogolomo, chiwongola dzanja chimaperekedwa osati pa ndalama zomwe zagulidwazo, komanso ku ndalama zomwe zapeza.

Chitsanzo cha kuwerengera chiwongola dzanja pamalipiro ndi capitalization

Mvetsetsani bwino tanthauzo, komanso kuwunika Ubwino wopeza ndalama, ingafanizidwe kokha mwachitsanzo 2 kuwerengera chiwongola dzanja... Poterepa, taganizirani kuti kuchuluka kwa ndalama ndikofanana - 100 zikwi ma ruble.

Mwachilengedwe, chiwongola dzanja chimasiyanasiyana pamapulogalamu osiyanasiyana. Komabe, kuti tithe kuyerekezera, timaganiza kuti kuchuluka kwake ndikofanana ndipo kuli 12% pachaka (1% pamwezi). Mwachitsanzo, tiyerekeze kuti chiwongoladzanja chiwerengedwa mwezi uliwonse patsiku lomaliza la mwezi. Nthawi yomwe ndalama zimaperekedwera, kwa ife, zidzakhala 3 miyezi.

Makhalidwe ofananira a chiwongola dzanja chomwe chimaperekedwa chifukwa chokhala ndi ndalama zopanda ndalama:

Chiwerengero chotsatira cha chiwongola dzanja (mwezi)	Investment yopanda ndalama		Ndalama zopititsa patsogolo
Chiwerengero chotsatira cha chiwongola dzanja (mwezi)	Kuchuluka kwa akaunti yomwe chiwongola dzanja chake chimawerengedwa	Kuchuluka kwa ndalama	Kuchuluka kwa akaunti komwe chiwongola dzanja chake chimawerengedwa	Kuchuluka kwa ndalama
1 mwezi	100 000,00	1 000,00	100 000,00	1 000,00
2 mwezi	100 000,00	1 000,00	101 000,00	1 010,00
*3 mwezi*	100 000,00	1 000,00	102 010,00	1 020,10
Ndalama zonse	3 000,00	3 030,00

Chitsanzocho chikuwonetsa kuti kuyika ndalama mu capitalization, wogulitsa amalandira ndalama zambiri. Mu chitsanzo chathu, kusiyana kunali kokha 30 Ma ruble.

Komabe, ziyenera kukumbukiridwa kuti pochita izi, osunga ndalama amawononga ndalama zochulukirapo. Kuphatikiza apo, mawu achidule oterewa sagwiritsidwa ntchito kawirikawiri, ndipo nthawi yayitali yoperekera ndalama, kusiyana kwakukulu pamalipiro kudzakhala. Tinalemba mwatsatanetsatane za momwe mungapezere ndalama munkhani yapadera yamagazini athu - tikukulimbikitsani kuti muwerenge mosamala.

Mgwirizano wopezera chiwongola dzanja pamalipiro

2. Kodi kangati capitalization ya chiwongola dzanja yomwe imasungidwa muakaunti imatheka kangati? 📅

Kukhalapo kapena kupezeka kwa capitalization kwa gawo linalake kumakhazikitsidwa ndi zikhalidwe zake, zomwe zimatsimikiziridwa ndi mgwirizano womwe waperekedwa. Zomwezo zitha kunenedwanso za kuchuluka kwachuma, chomwe chingakhale chosiyana.

Nthawi zambiri, nthawi zonse capitalization imakhala motere:

1 patsiku;
sabata iliyonse;
mwezi uliwonse;
kamodzi kotala;
Kamodzi miyezi isanu ndi umodzi;
pachaka.

Kuti mumvetse kuchuluka kwa ndalama zomwe ndizopindulitsa kwambiri, ndibwino kuti muchite zowerengera zomwe zingakuthandizeni kuti muwone zotsatirazi ndi maso anu.

Mwachitsanzo, tinene kuti ndalama zapangidwa 100,000 rubles kwa miyezi isanu ndi umodzi... Poterepa, pakuwerengetsa kosavuta, mlingowo udzatengedwa ngati 12% mu chaka (1% pamwezi).

Zotsatira zowerengera zimaperekedwa patebulo.

Gome lofananirako madipoziti okhala ndi mafupipafupi osiyanasiyana:

Nambala ya nthawi yolipirira	Kuchuluka kumayambiriro kwa nyengo	Chiwongola dzanja	Mtengo kumapeto kwa nthawi
*Ndi capitalization kamodzi miyezi isanu ndi umodzi iliyonse*
1	100 000,00	6 000,00	106 000,00
*Ndi capitalization kotala*
1	100 000,00	3 000,00	103 000,00
2	103 000,00	3 090,00	106 090,00
*Capitalization pamwezi*
1	100 000,00	1 000,00	101 000,00
2	101 000,00	1 010,00	102 010,00
3	102 010,00	1 020,10	103 030,10
4	103 030,10	1 030,30	104 060,40
5	104 060,40	1 040,60	105 101,00
6	105 101,00	1 051,01	106 152,01

Kuwerengera pamwambapa kumatilola kuti timvetsetse zomwe ndalama zambiri zimabweretsa capitalization ya chiwongola dzanja pafupipafupi.

Malangizo posankha dipositi ndi kubwezeredwa ndi capitalization ya chiwongola dzanja

3. Momwe mungasankhire ndalama zokhala ndi capitalization ndi kubwezeretsanso - kalozera kagawo ka osungitsa ndalama za novice 📝

Kuchokera m'ndime zapitazi za nkhaniyi, zimawonekeratu tanthauzo lake ndi phindu lake capitalization... Komabe, lero pali mabanki ochulukirapo pamsika wokhala ndi mikhalidwe ndi mitengo yosiyanasiyana. Iwo omwe amasankha ndalama zabwino koyamba akhoza kusokonezeka.

Chifukwa chake, pansipa timapereka tsatane-tsatane bukhuli posankha gawo lokhala ndi chiwongola dzanja kwa osunga ndalama za novice.

Gawo 1. Kusankha banki

Asanapange ukadaulo wa intaneti, funso losankha banki kuti mumalize mgwirizano wa ndalama silinali lovuta kwambiri. Pachikhalidwe chawo, nzika zimauzidwa kupita kunthambi yanthambi yomwe ili kufupi ndi nyumba zawo kapena malo ogwirira ntchito.

Lero, chifukwa cha mwayi kulowa mgwirizano pa intaneti, osunga ndalama amathandizana mosavuta ndi mabanki omwe alibe nthambi mumzinda wokhala nzika.

Mbali imodzi njirayi imakulitsa mwayi, ndiye kuti osungitsa ndalama amatha kusankha njira yabwino koposa pazambiri.

koma kusankha kwakukulu kumabweretsa kuti oyamba kumene amayendetsa maso awo. Zikatero, zimakhala zovuta kwambiri kupanga chisankho choyenera.

Mwa kutsegula ndalama kubanki yapafupi, mutha wekha kuwunika kuyenerera kwa ogwira ntchito. Malo ndi kukonzanso kwaofesi kumawonetsanso mbiri ya omwe amapereka ngongole. Kuphatikiza apo, kusonkhanitsa ndemanga zenizeni, zenizeni pankhaniyi ndizosavuta kuposa kumaliza mgwirizano paintaneti.

Akatswiri amalangizaposankha banki, choyambirira, mverani zake mlingo... Pachifukwachi muyenera kuyendera Khomo lapa intaneti la Bank of Russia... Apa mutha kupeza zambiri pamagawo onse amabungwe angongole. Kuphatikiza apo, ndi patsamba lino momwe mungapeze zambiri pamabanki omwe ali ndi mavuto.

Mwachilengedwe, sikoyenera kunyamula ndalama kumabungwe omwe ali ndi mbiri yokayikitsa ngakhale pomwe akukhudzidwa dongosolo la inshuwaransi... Ndalama zomwe adayikapo, inde, zibwerera, koma chiwongola dzanja panthawi ya bankirapuse ndi zolipira kwa omwe adasunga zidzatayika.

Pokhapokha mabanki angapo osangalatsa atasankhidwa, mutha kuyamba kupenda ndikuyerekeza momwe zinthu zilili.

Gawo 2. Kufufuza momwe zinthu ziliri

Mutazindikira zofunikira zomwe woikirayo akufuna kuti azisungitsa, muyenera kuphunzira mosamala momwe mapulogalamu amakwaniritsira izi.

Nthawi zambiri, osunga ndalama amasamalira magawo awa:

mlingo;
nthawi;
kuchuluka kocheperako.

Njira ina yofunikira ndi kuthekera mudzaze ndalama kapena kuchotsa pang'ono ndalama kuchokera kwa iye wopanda kutaya chidwi... Izi zimakulitsa kuyenda kwa ndalama ngati zayikidwa kwa nthawi yayitali.

Mwanjira ina, wosungayo amatha kudziunjikira ndalama popanga pafupipafupi zopereka zowonjezera pa gawo. Ndikofunikira kudziwa kuti mabanki nthawi zambiri amakhazikitsa ndalama zochepa zobwezeretsedwazo.

Kumbali ina, sikophweka kudziwa nthawi yomwe ndalama zidzafunike mtsogolo. Chifukwa chake, ndibwino kuyika ndalama pamalingaliro omwe amalola kuchotsa pang'ono.

Zofunika kukumbukira, ndi gawo lokhala ndi mwayi wopeza pang'ono ndalama ngati kuli kotheka, mutha kutaya ndalama zina osathetsa mgwirizano. Pazosungitsa zotere, mabanki nthawi zambiri amakhala malire ochepa pa akaunti yosungitsa, yomwe iyenera kukhalapo panthawi yonse yamgwirizanowu.

Mukamasankha madipoziti okhala ndi capitalization, ndikofunikira kulabadira zomwe zimasungidwa.

Gawo 3. Kuwerengera kwa mulingo wothandiza

Kusankha chindapusa pazinthu zingapo zomwe mungachite, simuyenera kufananiza mitengo yomwe ikufotokozedwazi, koma zothandiza... Amapereka mpata wofufuza zolondola za ndalama zenizeni zonse kuyambira nthawi yomaliza mgwirizano mpaka kutsekedwa.

Ngati pali capitalization parameter pamikhalidwe ya dipo Mulingo woyeneralimakupatsani kuganizira accrual wa chidwi pa chidwi.

Ogwira ntchito akufuna kuti adziwe kuchuluka kwa ndalama pogwiritsa ntchito njira zotsatirazi:

kumene:

EU - kugunda kwabwino;
KUCHOKERA - chiwongola dzanja pamalipiro, chofotokozedwapo;
N - ikuwonetsa kuti capitalization imagwiridwa kangati mchaka.

Tiyeni tiwone kuwerengera kwa mulingo woyenera pogwiritsa ntchito chitsanzo.

Mwachitsanzo, malamulo a dipo amapereka ndalama 12% pachaka ndi capitalization pamwezi. Kuyika izi munjira, timapeza:

Chifukwa chake, capitalization pamlandu womwe ukuganiziridwa kumabweretsa kuwonjezeka kwa ndalama zapachaka oposa 0,5 peresenti... Mwa kuyika ndalama ku 12% pachaka ndi capitalization pamwezi, woikirayo azilandira ndalama zongopeza chaka chilichonse mu kuchuluka kwa 12,68% za ndalama zomwe zasungidwa.

Sikuti aliyense amadziwa kugwiritsa ntchito makina ojambulira omwe amakupatsani mwayi wokulitsa nambala ku mphamvu iliyonse. Chifukwa chake, tikukulangizani kuti mugwiritse ntchito ma calculator apadera pa intaneti.

Musaiwale kuti ndalama zomwe mumalandira zimakhudzidwa ndi zopereka zowonjezerazomwe zimawonjezera ndalama. Mwachilengedwe, pakadali pano, kuchuluka kwa chiwongola dzanja chochulukirapo kumawonjezeka.

Chosiyanacho ndichonso - kuchotsa pang'ono ndalama muakauntiyi kumabweretsa kuchepa kwa ndalama zomwe mwalandira.

Gawo 4. Kusanthula ndikuyerekeza zomwe zapezeka pakuwerengetsa

Pogwiritsa ntchito fomuyi yomwe yafotokozedwa pamwambapa, ndikofunikira kuwerengera kuchuluka kwa madipoziti onse osankhidwa.

Kusanthula zina ndi kuyerekezera kuwerengera, mutha kupanga chisankho choyenera m'malo mwa imodzi mwamasungidwe.

Kuyerekeza zopereka nthawi zambiri kumaganizira:

Nthawi yotheka ya mgwirizano;
Kupezeka komanso kuchepa kwa ndalama;
Mlingo woyenera;
Kutheka kwa kubwezeretsanso, komanso kuchotsa pang'ono;
Kukhalapo kapena kupezeka kwatsopano.

Gawo 5. Kusankha njira yabwino kwambiri yogwiritsira ntchito ndalama

Nthawi zambiri, nzika zimasankha kupanga mgwirizano ndi banki kuti iwonjezere ndalama. Chifukwa chake, ndalama zomwe amalandila ndizomwe zimapambana poyerekeza madipoziti angapo ndikusankha chimodzi. Tiyenera kukumbukira kuti ndalama zomwe zimasungidwazo ziyenera kulipidwa msonkho.

Ndikofunika kudziwa! Lero Misonkho yomwe mumapeza osalipiritsa phindu lonse, koma kokha kuchokera pagawo limenelo, lomwe limawerengedwa ngati kusiyana pakati pa chiwongola dzanja chobwezeredwa ndi chiwongola dzanja chowonjezeredwa, chakwera ndi 5 mfundo. Poterepa, mokomera bajeti idzasamutsidwa 35%.

Tiyeni tiganizire zomwezo ndi chitsanzo.

Chitsanzo chowerengera kuchuluka kwa msonkho wa munthu

Kuyambira pa Epulo 28, 2017, Russia yakhala mlingo wa refinancingofanana ndi 9,25%... Wosungitsayo asankha kuyika ndalama pa 100,000 ma ruble pansi 16% pachaka.

Poterepa, kuwerengetsa kwa msonkho kumachitika motere:

Chiwongoladzanja cha msonkho = (16 – (9,25 + 5)) = 1,75%
Mtengo wokhomera msonkho = 100 000 * 1,75% = 1 750 Ma ruble
Misonkho yomwe mumapeza = 1 750 * 35% = 612,50 Ma ruble

Mwanjira ina, wosungayo m'malo mwa omwe adalonjezedwa Ma ruble 16,000 mu chaka adzalandira 15 387 rubles 50 kopecks.

Chifukwa chake, ngakhale masiku ano pamakhala zosungitsa zingapo, ndizosatheka kusankha yabwino kwambiri. Za ichi zofunika tengani nthawi yanu, pangani kuwerengera kofunikira ndikuyerekeza zotsatira.

Kodi kutalikitsa gawo la ndalama kumatanthauzanji - kuwunikira malingaliro ndi malingaliro + pakukweza ndalama kubanki

4.Kodi kutalikilapo kwa ndalama ndizomwe zimaperekedwa it

Pamene kasitomala amasungitsa ndalama pakati pa osungitsa ndalama ndi banki, yoyenera mgwirizano... Imakonza mgwirizano pakati pa zipani izi, kuphatikiza nthawi yomwe ndalamazo zidzayikidwe.

Pachikhalidwe, ndalama zochepa zomwe amakhala nazo ndi 3 miyezi... Koma pali mabanki omwe ali okonzeka kupanga mgwirizano kwakanthawi kuchokera 30 masiku... Nthawi yayitali pakadali pano nthawi zambiri imakhala yofanana 1-2 zaka... Kuphatikiza pa kutalika kwa nthawi yomwe idasungidwa, mgwirizano uyenera kuwonetsa ngati ulipo pamalowo kutalikitsa.

Kutalikitsa kwa gawo - uku ndikuwonjezera kwa nthawi yomwe ndalama za omwe adasungitsa mu akaunti yake yakubanki, zomwe zikutanthauza kuti kubweza chiwongola dzanja chikatha.

Pali mitundu iwiri ya kutalikitsa:

Osati zodziwikiratu. Ngati mgwirizanowu ulibe chonena zakuchulukitsa, wosungitsayo adzayenera kulumikizana ndi banki kumapeto kwa nthawi yomwe wapereka ndalama. Poterepa, pali njira ziwiri pakukonzekera zochitika: tengani ndalama zanu kapena malizitsani mgwirizano watsopano.
Mwachangu. Kuwonjezeka uku ndikokuwonjezera kwa nthawi yomwe gawo lidasungidwa wopanda kutha kwa mgwirizano watsopano. Zikupezeka kuti kasitomala sayenera kulumikizana ndi banki ngati sakufuna kutaya ndalama zake. Pachikhalidwe, kuchuluka kwazomwe zapangidwenso zilibe malire. Ngati, malinga ndi zomwe adasungitsa, angapo mwa iwo amaloledwa, izi ziyenera kulembedwa mgwirizanowu.

Zikupezeka kuti kusiyana kwakukulu pakati pakukonzanso mwadzidzidzi komanso kosakhala kwadzidzidzi ndiye kusowa kwakufunika kuti tichite mgwirizano watsopano kuti tiwonjezere nthawi yake.

Pankhani ya kutalikitsa kwadzidzidzi, chizindikiro chofunikira kwambiri chomwe chimadetsa nkhawa aliyense woikapo kukula kwatsopano chiwongola dzanja... Pa nthawi yomaliza mgwirizano, ndikofunikira kuti muwerenge mosamala, chifukwa payenera kukhala chinthu china padera pa chiwongola dzanja.

Nthawi zambiri, chiwongola dzanja chatsopano chimakhala pamlingo wofanana ndi kale. Izi zimachitika makamaka chifukwa cha kuchepa kwa chiwongola dzanja pamalipiro ku Russia.

Chisamaliro chiyenera kulipidwaomwe nthawi zambiri amakhala ndi kutalikirana kwadzidzidzi, chidwi cha nthawi yatsopano chimayikidwa pamlingo womwe ukugwira ntchito pakadali pano. Komabe, nthawi zina, ndalama zomwezo kubanki sizikupezeka. Poterepa, ndalama, zidzasinthidwa zopereka zomwezo.

Zofunika kukumbukira, kuti ngati sipangakhaleko kukonzanso, chiwongoladzanja sichilipiritsidwa konse, kapena chiwongoladzanja chidzaikidwa paakaunti yofunira. Chifukwa chake, chabwino, mosasamala za kupezeka komanso kupezeka kwa kutalikirana kwadzidzidzi, patsiku lakumapeto kwa nthawi ya chiphaso, ndiyofunika kulumikizana ndi banki yomwe ili yotseguka.

Ndikofunikira kuti mumvetsetse osati kokha ngati kutalikirana kumayenera kapena osati kusungitsa ndalama zinazake, komanso momwe zizichitikire. Zofunikira kwambiri zafotokozedwa pansipa.

Mkhalidwe 1. Kutalikirana

Nthawi zambiri, mgwirizano wa gawo limakwezedwa munthawi yomwe udamalizidwa.

Mwachitsanzo, popanga dipositi ya 12 miyezi koyamba, ipangidwanso mwezi womwewo.

Wosungitsayo akuyenera kumvetsetsa kuti nthawi zina nthawi yamgwirizano pambuyo pakuwonjezera kumatha kusiyanasiyana ndi koyambirira. Mkhalidwe wotere udzakhala wokhazikika mu mgwirizano.

Mkhalidwe 2. Tsiku loyambira lotsatira lotsatira

Pachikhalidwe, nyengo yatsopano yosungitsa ndalama imayamba tsiku lotsatira kutha kwa koyambirira.

Mwanjira inangati zoperekazo zatha 1 Ogasiti, koma mwiniwake sabwera kubanki, kuchokera kale 2 Ogasiti nthawi yatsopano iyamba.

Koma musaiwale kuti pano palinso kusungitsa pamalipiro. Ndiye kuti, lamuloli limagwira, pokhapokha ngati zafotokozedweratu mgwirizanowu.

Mkhalidwe 3. Sinthani chiwongola dzanja mukapitiliza mgwirizano wamapositi

Mukakonzanso mgwirizano, nthawi zambiri umakhazikitsidwa chiwongola dzanja chatsopano... Nthawi zambiri, zimafanana ndi yomwe imagwira ntchito chimodzimodzi pakadali pano.

Kuti mudziwe kuchuluka kwa ndalama zomwe zithandizire, muyenera kumvera zidziwitso zomwe zili patsamba la banki, kapena imbani foni. Mulimonsemo, mgwirizano uyenera kukhala ndi chidziwitso chokhudza chiwongola dzanja chitatha.

Mkhalidwe 4. Kukhazikika kwa kubetcha kwatsopano

Ndalamazo zikatalikitsa, munthawi yokonzanso mulingo OSATI zidzasintha.

Ndiye kuti, ndalama zikawonjezeredwa kwa chaka, panthawiyi, kuchuluka kudzakhala kosasintha. Mlingowu usinthanso pokhapokha pakakhala kutalikitsa kwotsatira.

Mkhalidwe 5. Kuwerengera chidwi mpaka kuchuluka kwa gawo

Ngati wobwezeretsayo sataya chiwongola dzanja panthawi yomwe wapereka kapena kumapeto kwake, ndalamazo zimayambira pakuchulukitsa. Zikupezeka kuti munthawi yatsopanoyi, chiwongola dzanja chidzaperekedwa pa ndalama zomwe zawonjezeka, zomwe zimakhala poyamba adayesa ndalama ndipo ndalama zomwe mwapeza.

Chifukwa chake, mwamtheradi zinthu zonse zatsopano zimafotokozedwa mwatsatanetsatane mu mgwirizano wamabanki... Ndikofunikira kuti muphunzire mosamalitsa za mgwirizanowu, apo ayi mutha kudzadzidzimuka mwadzidzidzi.

Taganizirani milandu iwiri yodziwika:
Mlandu 1. Nthawi yakusungitsa idatha, koma osungayo sanathe kupita ku banki nthawi.
Zotsatira zake, miyezi ingapo pambuyo pake, atalembetsa ku kampani yobwereketsa ndalama, adapeza kuti chiwongola dzanja chapezedwa kuyambira kumapeto pamtengo wofunidwachomwe chili chofanana ndi zonse 0,01%. Izi ndichifukwa chakusowa kwatsopano kokonzanso. Ndinayenera kupanga mgwirizano watsopano, koma palibe amene adzalandira chiwongola dzanja kumapeto kwa gawo.
Mlandu wa 2. Mgwirizanowu udali ndi gawo lonena za kupitilizabe kwazowonjezera, chifukwa chake wosungayo adasankha kuti asamapite ku banki kumapeto kwa nthawi yake.
Komabe, sanasamale zakuti kufutukukaku kukuchitika pamlingo watsopano womwe ukugwiranso ntchito kubungwe la ngongole. Zotsatira zake, kuchuluka kunachepetsedwa. Nthawi yomweyo, zinali zotheka kuyika ndalama kubanki ina pamlingo wokwera. Zikukhalanso kuti wogulitsa nyumbayo adaphonyanso gawo lazopeza.

Malangizo pakuwonjezera mgwirizano wamadipoziti

5. Momwe mungasungire ndalama kubanki - njira 5 zosavuta kwa oyamba kumene 📋

Ndikofunika kwa osunga ndalama kudziwa momwe angachitire kutalikitsa gawo... Choyamba, ndikofunikira mosamala werengani mawu amgwirizano. Ngati ili ndi gawo popezeka basi kukonzanso, muyenera kuwerenga mosamala zikhalidwe zake. Ngati woikayo akhutira nawo, palibe chomwe chiyenera kuchitidwa.

Pakakhala kusinthidwa kwadzidzidzi kapena ngati zinthu sizikugwirizana ndi wosungayo, zinthu zingapo ziyenera kuchitidwa.

M'munsimu muli tsatane-tsatane malangizo, mothandizidwa ndi kuti kupitiliza kwa kusungitsa sikungabweretse zovuta kwa wosungayo.

Gawo 1. Werengani mgwirizano

Ngakhale mukupanga dipositi, muyenera kuphunzira mosamala mgwirizano wokhudzana ndi kutalikirana. Ndikofunika kuchita izi nthawi yomaliza ikamayandikira kuti tikumbukire mawonekedwe onse.

Zofunika kukumbukira, kuti nthawi zambiri, mukachulutsa, mlingowo umasinthira ku womwe umakhala wogwira ntchito kubanki nthawi yomaliza. Chifukwa chake, ndikofunikira kuphunzira zopereka pamsika kuti muwonetsetse kuti obwereketsa ndalama akuperekabe chiwongola dzanja chabwino.

Musaiwale kuti pambuyo pokonzanso, kutha kwa mgwirizano usanathe nthawi yatsopano kumawopseza kutayika kwa ndalama kuyambira pomwe ipangidwanso.

Zokhudza zofunika ganizirani mosamala momwe ndalama zilili. Ngati ndalama zingafunike nthawi yomaliza isanathe, ndizomveka kupanga mgwirizano wina kwakanthawi kochepa.

Gawo 2. Kuyendera ofesi ya banki

Muyenera kukayendera nthambi yanthambi ya ngongole ku 2 milandu:

ngati mawu osungitsa sapereka zowonjezera;
ngati zikhalidwe zakukulitsa nthawi ya omwe amasunga sizikwaniritsidwa.

Muofesi, ndikofunikira kulumikizana ndi wogwira ntchito kubanki kuti mumve zambiri.

Gawo 3. Kufunsana

Mukapita kukafunsidwa, woikirayo ayenera kudziwa bwino zomwe angafunsidwe kuchokera kwa wogwira ntchitoyo.

Pakufunsana, muyenera kudziwa:

kodi pali kutambasuka kwazomwe zikuchitika ndipo zikhalidwe zake zili bwanji pakasungidwe kameneka;
kodi pali njira zina zoyenera kugwiritsira ntchito ndalama, ngati ndi choncho, mawu ake ndi otani.

Pakufunsidwa, ndikofunikira kufunsa wogwira ntchitoyo kuti anene zonse zomwe zingachitike pakugulitsa. Patsamba lathu lawebusayiti mutha kupezanso komwe mungasungire ndalama kuti mulandire ndalama mwezi uliwonse.

Kuphatikiza apo, zitha kukhala zothandiza ngati mlangizi awonetsa kuyerekezera kwa ndalama zomwe akuyerekezera pazinthu zonse zoyenera.

Gawo 4. Kukonzekera zochitika zandalama

Malingaliro onse atatha afotokozedwa, mutha kusankha njira yoyenera kwambiri yopititsira patsogolo ndalama zomwe zasungidwazo.

Pali njira ziwiri zomwe mungachite:
Njira 1. Wogula ntchito asankha kuti azingobweza basi. Poterepa, muyenera kufunsa kuti musindikize mgwirizano kwa nthawi yatsopano.
Njira 2. Anaganiza zopereka gawo pamilandu yosiyanasiyana. Apa ndikofunikira kufotokozera mosamala mitundu yonse. Pambuyo pake, mgwirizano wakale uyenera kuthetsedwa, ndalamazo zimasamutsidwa ku akaunti yatsopano ndipo mgwirizano wosinthidwa udasainidwa.

Gawo 5. Chitsimikizo chofuna kukulitsa ndalamazo

Ngati woikirayo aganiza zowonjezera ndalama zomwe apereka, ngati akuchezera ofesi, zidzakhala zofunikira kutsimikizira izi. Kuti muchite izi, muyenera kulemba mawu.

Izi zitha kuchitika mwachindunji muofesi. Chotsatira chidzasindikizidwa mgwirizano watsopano, zomwe muyenera kuzidziwa bwino kenako ndikusayina.

Chifukwa chake, palibe chovuta kuwonjezera ndalama. Pofuna kupewa mavuto, ndikwanira mosamala werengani malangizo omwe aperekedwa ndikuwatsata ndendende.

6. M'mabanki momwe mungathekere kukonza madipoziti okhala ndi capitalization, kubwezeretsanso ndi kuwonjezerapo ndalama - mwachidule mabanki akulu a TOP-3 💰

Pali mabanki ochulukirapo pamsika wachuma waku Russia womwe umapereka madipoziti ndi capitalization, kubwezeretsanso, ndi kutalikitsa.

M'munsimu muli 3 ngongole zomwe zakhala madipoziti opindulitsa... Ali ndi mapulogalamu okhala ndi magawo onse omwe akuwaganizira, koma asanatsegule ndalama, mulimonsemo, muyenera kulumikizana ndi banki kuti mumve zambiri. Ndi muofesi mokha momwe angakwanitse kunena mwatsatanetsatane za mapulogalamu onse omwe akugwira ntchito kubungwe la ngongole.

1) Sberbank waku Russia

Kwa zaka zambiri, mamiliyoni a nzika zaku Russia akhala akudalira ndalama zawo Sberbank... Bungwe loyendetsa ngongole ili ndi akale kwambiri mdziko lathu.

Lero, pakati pamadipoziti okhala ndi kutalikitsa kwodziwikiratu, otchuka kwambiri ndi gawo Chaka chabwino... Banki imapereka kubetcha pa iyo kuchokera 7,4 kale 8% pachaka... Ndalama zomaliza zimatsimikizika kutengera kuchuluka kwa zomwe zasungidwa.

Nthawi yocheperako ya zomwe mwasankha ndi 3 miyezi... Ndalama zimayamba kuchokera ma ruble 100,000... Chiwongoladzanja chimapezeka kumapeto kwa mgwirizano. Mutha kutsegula gawo osati polumikizira ku ofesi, komanso patsamba la banki pa intaneti.

2) Ural Bank Yomangidwanso ndi Kukula

M'zaka 27 kuyambira pomwe adakhazikitsidwa UBRD, banki idakwanitsa kulowa 30 mabungwe akuluakulu obwereketsa ndalama ku Russia.

Ural Bank ndiyodalirika ndi boma, ndikololedwa kutsegula maakaunti apa makampani othandizira, mabizinesi abwinokomanso kusunga ndalama zapenshoni.

Nthambi za Banki zili m'malo 43 aku Russia, komwe mungatsegule ndalama ndi ndalama kale 11% pachaka... Mukamapereka ndalama patsamba la banki, mutha kupezanso 1%.

3) VTB

Banki ya VTB ndi gawo la gulu lapadziko lonse lapansi lomwe likugwira ntchito kumsika wazachuma. Lero, m'maofesi omwe ali m'zigawo 72 zaku Russia, mutha kutsegula ndalama ndi ndalama 5,75— 7,85% pachaka.

Kuti mufananize momwe zinthu ziliri m'mabanki osiyanasiyana ndikusankha yabwino kwambiri, simuyenera kupita kunthambi ya banki. Ndikokwanira kuchita itanani ku hotline... Pali njira ina - ulendo Tsamba la VTB.

Ngati simukufunsidwa mafunso onse, mutha kuyitanitsa mwachindunji pa intaneti kuyimbira kumbuyo... Kuti muchite izi, lembani fomu yapadera.

Nthawi zambiri, osunga ndalama amakayikira kuti ndi banki iti yomwe angasankhe. Akatswiri amalangiza kugwiritsa ntchito mafunso apadera omwe angakuthandizeni kupanga chisankho.

Mafunso ofufuza poyerekeza mabungwe obwereketsa malinga ndi mawonekedwe osiyanasiyana:

Khalidwe	Yankhani zosankha ndi mfundo
*Kuvomerezeka pamsika wazachuma*	Kuyambira nthawi ya USSR - 10 mfundo Zaka zoposa 10 - mfundo zisanu Zaka 5-10 - 3 mfundo Ochepera zaka 5 - 0 mfundo
*Kodi madipoziti ali ndi inshuwaransi*	Inde - 10 mfundo Ayi - zisanu
*Kukula kwa ngongole*	Muyezo waku Russia ili m'malo amodzi khumi oyamba - 10 mfundo Sanaphatikizidwepo khumi mwa Russia, koma imodzi mwazikulu kwambiri mzindawu - mfundo zisanu
*Kupezeka kwa ofesi poyenda mtunda kuchokera kunyumba kapena malo ogwirira ntchito*	Inde - mfundo zisanu Ayi - 0 mfundo

Mabanki onse osankhidwa ayenera kuwunikidwa pogwiritsa ntchito mafunso awa. Pambuyo pake, zokonda ziyenera kuperekedwa kwa omwe ali ndi mfundo zochuluka kwambiri.

Tikukulangizaninso kuti muwerenge nkhani yathu yomwe banki ndiyabwino kutsegula ndalama pamalipiro apamwamba.

7.Momwe mungapangire kuti musalakwitse potsegula ndalama ndi chiwongola dzanja - 3 upangiri wofunikira kwambiri wa akatswiri 💎

Kuti mupange dipositi ndi ndalama zambiri, muyenera kuwerenga upangiri kuchokera kwa akatswiri. Adzakuthandizani kupewa zolakwa zambiri.

Malangizo 1. Ndalama zimayenera kuikidwa m'mabanki odalirika okha

Ambiri osunga ndalama akuthamangitsa chiwongola dzanja chachikulu ndipo sizikhala zolondola nthawi zonse.

Ndikoyenera kulingalira! Ndikofunika kwambiri kuti muzidalira kudalirika kwa banki kuposa chiwongola dzanja.

Zachidziwikire, dongosolo la inshuwaransi, lomwe ndilololedwa ku Russia lero, limatsimikizira kubwezeredwa ndalama zikawonongeka kubanki. koma chiwongola dzanja kuyambira pomwe kampani yalandilidwa chilolezo chatha.

Zimapezeka kuti woikirayo ataya ndalama, chifukwa kulipira kwa inshuwaransi sikupangidwa nthawi yomweyo.

Tip 2. Onetsetsani kuti kuwerengera mlingo ogwira nokha

Osungitsa malo ambiri amadziwika kuti amapatsidwa ziphuphu ndi zotsatsa zokopa zomwe zimalonjeza mitengo yayikulu yamalipiro. Koma musathamangire.

Mwachidziwikire, musanayendere nthambi ya banki, muyenera kuwerengera ndalama zomwe mudzalandire mukamayika ndalama pamikhalidwe yomwe ikukambidwa. Izi zitha kuchitika potengera njirayoperekedwa m'nkhaniyi, kapena kugwiritsa ntchito yapadera ma calculator pa intaneti.

Njirayi imakupatsani mwayi wodziwa zomwe mungadalire mukakumana ndi banki. Kuphatikiza apo, mutha kufananitsa zotsatira zanu ndi zomwe zaperekedwa ndi katswiri kubanki.

Langizo 3. Musaiwale kuyesa momwe ndalama zanu zilili

Posankha ndalama zochuluka komanso kuti atsegule ndalama yayitali bwanji, wosungitsayo ayenera kudziunika mosamala momwe ali ndi ndalama.

Ndikofunika kumvetsetsakuti madipoziti ambiri samapereka ndalama. Nthawi yomweyo, kuchotsedwa koyambirira kumabweretsa kusapezeka kwa chiwongola dzanja. Chifukwa chake, ndikofunikira kusankha nthawiyo ndiudindo waukulu.

Atamvera malangizowa, aliyense amene angayambe kumene ndalama azitha kutsegula ndalama zopindulitsa mosavuta.

8. FAQ - mafunso omwe amafunsidwa kawirikawiri ndi mayankho ake 🔔

Mwachikhalidwe, kumapeto kwa kufalitsa, tidzayankha mafunso omwe nthawi zambiri amakhala pakati pa omwe amasunga ndalama.

Funso 1. Kodi ndingapeze kuti makina owerengera pa intaneti owerengera magawo azosungidwa ndi capitalization ndi kubwezeretsanso?

Kutengera chifukwa chomwe kuwerengera kumachitika, pali zosankha zingapo zomwe zingagwiritsidwe ntchito kuwerengera zopereka.

Tikukulangizani kuti mugwiritse ntchito chowerengera chathu, chomwe chingakuthandizeni kuwerengera chiwongola dzanja pa intaneti:

Mitundu yowerengera pa intaneti yowerengera magawo a gawo:

Ma calculator pamasamba amabanki omwe amapereka kuti atsegule ndalama. Mutha kuwapeza patsamba losankha gawo. Mukamawerengera ndi makinawa, muyenera kulemba zosachepera - ndalama, nthawi ya kusungitsa, tsiku lolembetsakomanso momwe mwakonzera kubwezeretsanso (ngati aperekedwa). Mlingo ndi magawo ena a gawo adasinthidwa mosavuta.
Ma Calculator ali pamasamba azachuma (azachuma). Njirayi ndiyabwino kwa omwe amasunga ndalama omwe sanasankhebe banki yomwe angatengere ndalama zawo. Apa mutha kupeza zambiri zothandiza za madipoziti omwe mabungwe osiyanasiyana amabwereketsa. Pogwiritsa ntchito ziwerengero zotere, woikirayo ayenera kulowa magawo angapo, chifukwa mawonekedwe amasungidwe kubanki iliyonse ndi osiyana. Muyenera, mwazinthu zina, kuwonetsa kupezeka capitalization ndi pafupipafupi.
Mawebusayiti owerengera.Posachedwa, kutchuka kukukulira zothandizira pa intaneti, zomwe ndizowerengera ndalama zomwe zimakhala ndizothandiza kwambiri. Kuphatikiza pa mawonekedwe omwe amagwiritsidwa ntchito m'ma calculator ena, apa mukugwiritsa ntchito: kusankha mtundu wa ndalama (okhazikika kapena kuyandama); kuthekera kwa madipoziti ndi kutaya ndalama; zowerengera misonkho... Imaperekanso tsatanetsatane wa ntchito zonse zomwe zagwiritsidwa ntchito. Njira iyi imabweretsa kuti chiwerengerocho ndi cholondola komanso chatsatanetsatane momwe zingathere.

Chitsanzo cha chowerengera cha pa intaneti chazisungidwe ndi capitalization ndi kubwezeretsanso

Kusankha chowerengera chapaintaneti, muyenera kumvetsetsa kuti pulogalamu iliyonse yowerengera ikhoza kukhala zolakwika... Amasiyana kwambiri pamtundu uliwonse wa makina owerengera ndipo amatha kutuluka pazifukwa zosiyanasiyana.

Zifukwa zazikulu zowerengera mukamagwiritsa ntchito chowerengera pa intaneti:

mapulogalamu osavuta saganizira magawo ambiri - misonkho ya ndalama, ntchito ndi ena;
ziwerengero zina sizikulolani kulosera zamtsogolo ngati kupanga zopereka zowonjezera kapena kuchotsa gawo lina la ndalama;
Mabanki amakhala ndi malingaliro osiyanasiyana pazowonjezera chidwi ngati tsiku lomaliza likhala kumapeto kwa sabata.

Zonsezi pamwambapa zimabweretsa zolakwika.Tiyenera kukumbukira kuti pamapulogalamu osavuta akhoza kukhala akulu kwambiri.

Zindikirani! Kugwiritsa ntchito ma calculator akatswiri pakuwerengera kumakuthandizani kuti muchepetse zolakwika. Nthawi zambiri samapitilira gawo limodzi.

Funso 2. Kodi amene amasungitsa ndalama ali ndi ufulu wokana kukweza ndalama zomwe zalembedwazo ndipo ndi chiyani chomwe chiyenera kuchitidwa?

Mwachilengedwe, wosungayo ali ndi ufulu kukana kuyanjananso ndi banki yomwe adasungitsa.

Komabe, sialiyense amene amadziwa zomwe ayenera kuchita kuti mavuto omwe amalandila ndalama asadzachitike, komanso chidwi sichitha. Chifukwa chake, pansipa timapereka tsatanetsatane mwatsatanetsatane.

Gawo 1. Kuyendera ofesi ya banki

Ngati mawu a mgwirizano akupereka kutalikitsa kwa gawo, koma osungitsa ndalama aganiza zokatenga ndalama zake kubanki, amayenera kulumikizana ndi banki. Choyamba, ndikwanira kufunsa, pazomwe mungalumikizane ku ofesi, itanani ku hotline kapena lankhulani ndi mlangizi patsamba.

Nthawi zambiri, kuti mukane kupitilizabe kubweza, mumayenera kulumikizana ndi nthambi ya omwe amapereka ngongole. Koma ogwira ntchito kubanki inayake ndiomwe angatsimikizire kufunikira kwa izi.

Gawo 2. Kulembetsa ntchito

Ku nthambi yantchito yobwereketsa, muyenera kudzaza mawu olembedwa... Zitsanzo za chikalatachi ndizosiyana kubanki iliyonse, chifukwa chake palibe chifukwa chozilemba pasadakhale.

Gawo 3. Kuthetsa mgwirizanowu

Kutengera ndi zomwe zalembedwa mgwirizano wamadongosolo ngakhale idakulitsidwa, idzathetsedwa.

Ndikofunika kudziwa! Kufunsaku ndikofunikira kutsimikizira cholinga cha Investor kuti atenge ndalama zake.

Gawo 4. Kulandila ndalama

Gawo lotsiriza limatsalira kokha sonkhanitsani ndalama. Mutha kuwapeza ndalama kapena kusamutsa nkhani ina, zomwe zidafotokozedwazo.

Mwa njira iyi, capitalization kumawonjezera kuchuluka kwa phindu la gawo. Kutalikitsa contract ndi njira yothandiza. Ndikofunikira osati kungodziwa zomwe malingaliro awa amatanthauza, komanso kuti mumvetsetse mawonekedwe ake.

Mukaphunzira malangizo ndi malangizo omwe aperekedwa m'nkhaniyi, aliyense atha kusankha zopindulitsa kwambiri malinga ndi zomwe amakonda.

Tikukulangizaninso kuti muwonere kanema wonena za capitalization ya chiwongola dzanja (+ chitsanzo cha kuwerengera poganizira kubweza kapena capitalization):

Gulu la magazini ya "RichPro.ru" likuyembekezera ndemanga pamutu wofalitsa, ndipo adzakhalanso osangalala kuyankha mafunso anu onse!

Send