Malo osungira kubanki (masungidwe m'mabanki) - ndi chiyani ndipo ndi mitundu yanji yamadipo yomwe ilipo + magawo anayi a kuwerengetsa ndalama

Moni okondedwa owerenga magazini a Ideas for Life. Lero tikukuuzani zomwe zimasungidwa m'mabanki ndi mitundu yanji yamabanki (madipoziti) yomwe ilipo, komanso ndikupatseni malangizo a momwe mungawerengere ndalama mosadalira.

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

Munkhaniyi muphunzira:

• Kodi gawo ndi chiyani?
• Ndi mitundu yanji yamabanki yomwe imakhala yotchuka kwambiri;
• Momwe mungawerengere molondola phindu la dipositi ndipo komwe kuli kopindulitsa kuyika ndalama pasungidwe

Komanso kumapeto kwa bukuli tipereka mayankho pamafunso omwe amafunsidwa kawirikawiri pamutuwu.

Pazomwe banki imakhala, ndi madipoziti amtundu wanji omwe mabanki amapereka, momwe mungawerengere chiwongola dzanja pa dipositi pogwiritsa ntchito chowerengera pa intaneti - werengani m'magazini ino

1. Kodi zosungitsa kapena kusungitsa ndalama kubanki ndi chiyani - mwachidule lingaliro la kusungitsa ndalama kubanki m'mawu osavuta 💸

Ndalama zongopeka zakhala njira yosakira ndalama. Kuti mukhale okhazikika komanso osatha, ndalama ziyenera kukhala odalirika ndipo yopindulitsa.

Mutha kuyika ndalama pazachitetezo, kusewera pamsika wogulitsa, kupanga masheya ogulitsa nyumba. Njira zonse ndizabwino munjira zawo ndipo zimakhala ndi zoopsa zawo, kuphatikiza ndipo kuipa... Kukhazikitsa ndalama mkati madipoziti kapena madipoziti ndi njira imodzi kuteteza ndipo kukulitsa ndalama.

Mawu oti "kusungitsa" ndi "kusungitsa" ali ndi chiyambi chimodzimodzi. Nthawi zambiri mawuwo "zopereka" Zimagwira ku aliyense payekhandi nthawi "kusungitsa" - ku malamulo.

Kusungitsa kubanki (kapena ndalama kubanki) - iyi ndi ndalama yomwe imayikidwa mu ngongole pangongole inayake kwakanthawi kwakanthawi kuti apange ndalama.

Zindikirani! Gawo ndilo lingaliro lofala kwambiri. Kuphatikiza pa ndalama, zimaphatikizapo:

• Kugulitsa masheya;
• zopereka ku makhothi kuonetsetsa kuti milandu ikuyenda bwino;
• zopereka kumabungwe azikhalidwekuonetsetsa kuti kulipidwa kwa kasitomu;
• kuonetsetsa kuti akuchita nawo misika.

Potengera nkhani yathu, malingaliro akuti "madipoziti" ndi "madipoziti" adzawerengedwa kuti ndi ofanana.

Zopereka zimakhala ndi ntchito zazikulu ziwiri (ziwiri):

1. Amaonetsetsa kuti chisungidwe ndikusungidwa.
2. Chidwi chomwe chimapezeka pamalipiro ndi ndalama zokhazikika.

Ndalama zosungitsira ndalama zitha kukhala dziko kapena yachilendo... Pakadali pano, ruble waku Russia sakhazikika, chifukwa chake pali kutchuka madipoziti amadola kapena madipoziti mu mayuro.

Zindikirani! Njira imodzi yodalirika yosungira ndalama ndikuziyika zosiyana ndalama.

Ndalama zomwe banki amasunga, poyerekeza ndi njira zina zachuma, zimakhala ndi zabwino.

Ubwino (+) madipoziti akubanki:

• Zosungitsazo zimatsimikizira kuti mudzapeza ndalama zokhazikika.
• Ndikosavuta kupereka, sikutanthauza chidziwitso chapadera. Itha kutsegulidwa pa intaneti osachoka panyumba.
• Kuchuluka kwa zoperekazo kungakhale kochepa.
• Malo osungira kubanki ndi inshuwaransi. Ngati kuchuluka kwa dipositi sikuposa kuchuluka kwa inshuwaransi, simungachite mantha kutaya.

Main kusowa kwa (-) madipoziti – chiwongola dzanja chochepa... Nthawi zina sizimalipira kukwera kwamitengo. Mutha kuyankhula zopeza pokhapokha mutakhala ndi ndalama zambiri.

Kuphatikiza apo, ngati ndalamazo zachotsedwa kale kuposa nthawi yomwe ikunenedwa ndi mgwirizano, kuchuluka kwa zomwe amapeza ndizochepa. Ngakhale izi, osunga ndalama ambiri amasankha kusunga zina mwa zomwe amasungitsa kubanki.

Kukhala ndi ndalama zambiri pamanja, munthu ayenera kuzisunga moyenera kuti mukhale odekha komanso wodalirika mtsogolo.

Kenako, tiwunika kuti ndi mitundu yanji yamabanki yomwe ili

2. Mitundu yayikulu yamabanki (madipoziti) 📑

Mabanki, omwe amakopa ndalama kuchokera kwa makasitomala ndikuwayika mtsogolo, amapeza phindu lawo. Chifukwa chake, ndikofunikira kuti iwo azikulitsa pafupipafupi makasitomala awo ndi ndalama zawo. Mabungwe angongole nthawi zonse akupanga njira zatsopano zosungitsira ndalama, kukonza magwiridwe antchito awo.

Pali madipoziti ambiri, omwe amasiyana pamlingo, mawu, kaperekedwe ndi chiwongola dzanja.

Zopereka zonse zitha kugawidwa 4 mitundu yayikulu. Tiyeni tiwone chilichonse cha zomwe zili pansipa.

Mtundu 1. Nthawi gawo

Kusungitsa nthawi ndikotchuka kwambiri komanso kofala, kumakhala ndi zinthu zosiyanasiyana.

Pansi gawo gawo mvetsetsa ndalama za kubanki kubanki kwakanthawi.

Chidwi chazopeza zimadalira kuchuluka ndi nthawi yopezera ndalama. Itha kukhala mkati 4-8% pachaka (mu ma ruble), m'mabanki ena apamwamba. Koma ngati mgwirizano wathetsedwa koyambirira, ndalama zochepa zimaperekedwa.

Mwachitsanzo: Tikayika Ma ruble 50,000 nthawi kwa chaka chapansi 4,85% pachaka, potengera capitalization, ndalamazo zidzakhala 2,427 ma ruble.

Mtundu 2. Zosungitsa ndalama

Choperekachi chitha kuyitanidwa "Banki ya nkhumba"... Imadziwika ndi malo osanjikiza pang'ono, imatha kudzazidwanso, pang'ono kapena kuchotsedwa kwathunthu.

Nthawi zambiri amadziphatika khadi la kubanki, ndiye kumakhala kosavuta kusamutsa kuchuluka kwake kuchokera kumalipiro kumupatsa kuti nthawi zonse pamakhala ndalama zokwanira pakagwa zinthu zosayembekezereka. Tidalemba za tanthauzo la khadi la debit komanso momwe zimasiyanirana ndi kirediti kadi yomwe tidalemba kale.

Chiwongola dzanja pamadipo oterowo kuchokera 1.5% pachaka, mwachitsanzo ndi ndalama zochepa zomwe mudasungitsa 50 000 ma ruble, chaka chonse ndalama zidzakhala 800 Ma ruble.

Simungathe kupanga ndalama, mutha kokha sungani ndalama zomwe mwasunga.

Onani 3. Ndalama zosungitsa

Amatsegulidwa kuti apeze ndalama zogula mtengo mtsogolo.

Ndiyachangu, imatha kudzazidwanso, koma siyingachotsedwe mpaka nthawi yamgwirizano ithe. Za madipoziti amenewa, malire ochepa omwe amapereka, chiwongola dzanja — 5-8% pachaka.

Mwachitsanzo: Powerengera, timatenga magawo awa a dipositi: kuchuluka Ma ruble 50,000, malipiro owonjezera pamwezi Ma ruble 1,000, peresenti 8% pachaka.

Kwa chaka chimodzi, akauntiyi imakhala ndi kuchuluka kwa 65 440 rubles: 50 000 - thupi lothandizira + 11 000 - zokweza pachaka + 4 440 - chiwongola dzanja.

Mtundu 4. Kufunsira gawo

Nthawi yawo yotsimikizika imatsimikiziridwa mpaka pomwe woikirayo atanena. Ma depos awa sapangidwe kuti apange ndalama. Cholinga chachikulu cha madipozowa ndi kusunga ndalama kapena kudziunjikira kuchuluka.

Chiwongola dzanja cha iwo ndi okha 0.01% pachaka, palibe malire osachepera - 10 ruble ndi 5 madola kapena mayuro, ndiye kuti, kuchokera poyikika 50 000 ma ruble, ndalama za pachaka zidzangokhala 5 Ma ruble.

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Chiwongola dzanja chambiri kubanki lomwelo chimasiyana nthawi zina, zimadalira momwe ndalama zimasungidwira. Phindu lalikulu kwambiri ndilomwe ali nalo madipoziti okhala ndi zovuta zenizeni: kupitilira chaka, kuchuluka kwapadera, kuthekera kothetsa pang'ono Chiwongola dzanja chimakwera kwambiri pamasungidwe anthawi yayitali, pamadipo azambiri.

Chifukwa chakuti pali mabungwe ambiri azachuma omwe akukopa ndalama kuchokera kwa osunga ndalama, zimakhala zovuta kupanga chisankho.

Kuwongolera kusaka kwanu zopindulitsa lilipo ntchito zapadera, momwe malingaliro amabanki pazosungidwa amasonkhanitsidwa. Amapereka ntchito yosankha momwe ndalama zizigwirira ntchito pagawo lililonse. Wosuta ayenera kulowa ndalama, nthawi ndi zina zofunikira mawu a gawo ndipo ntchitoyi ikupereka ndalama zabwino kwambiri.

Zizindikiro zazikulu 5 zomwe mungagawire ndalama kubanki

3. Kugawa madipoziti akubanki ndi zinthu zazikulu признак

Aliyense, ngakhale woyambitsa ndalama, amamvetsetsa ndalamazo zosatheka onjezerani powayika pambali "pansi pa pilo". Nthawi zonse pamakhala yesero lowagwiritsa ntchito kapena kubwereka.

Zabwino kudziwa! Kusungitsa ndalama kubanki sikungateteze kukwera mitengo kwa zinthu, koma kumasunga ndalama pazogwiritsa ntchito mosakonzekera, ndikuwonetsetsa kuti ndalama zikupezeka.

Poganiza zokayika ndalama kubanki, choyambirira, ndikofunikira kumvetsetsa momwe zinthu zilili ndi phindu, kuti mumvetsetse mfundo ndi zofunikira za mabanki pakuyika ndalama m'madipoziti. Mbali zazikulu za gulu la madipoziti ndi: nthawi, chandamale, ndalama, kulongosola kuthekera, udindo wa osungitsa ndalama.

Pansipa pali kugawa kwa banki malinga ndi zomwe zikupezeka.

Chizindikiro 1. Nthawi ya kusungitsa ndalama

Ma standard standard amana ndi kuchokera 30 masiku asanachitike 3-5 zaka... Madipoziti opanda nthawi yapadera amapatsidwa gulu lina - positi restante.

Ndikoyenera kulingalira!Kutalika kwa gawo la ndalama, pamwambapa ndalama zotsimikizika.

Pali madipoziti omwe amangiriridwa ku chochitika china: tsiku lobadwa, Tsiku Lopambana. Zosiyanasiyana ndizo madipoziti okhala ndi masiku atha ntchito... Amakulolani kuti muziyika ndalama zanu mwanzeru kuti mupeze ndalama zambiri.

Chizindikiro 2. Cholinga cha ndalama

Zosiyanitsa za madipoziti ndi ntchito yomwe yapatsidwa:

• Pali madipoziti, omwe cholinga chake ndikupeza ndalama zogulira mtengo - madipoziti osungira... Mabungwe angongole amapereka mapulogalamu apadera osungira: "New Auto", "Wonjezerani ndi kugula" etc.
• Chopereka chomwe ndalama zochepa za akaunti chimadziwika chimatchedwagawo lokhalitsa... Amatsegulidwa kwakanthawi, koma sikuletsedwa kuyigwiritsa ntchito munthawiyo (kupatula ndalama zochepa). Madipoziti amenewa amakupatsani mwayi wogwiritsa ntchito bwino ndalama zomwe mumapeza, ndikupeza ndalama zochepa.
• Madipoziti omwe amaperekedwa kumagulu ena a anthu amatchedwa madipoziti apadera... Chodziwikiratu chawo ndi chakuti chiwongoladzanja chimawerengedwa pamalingaliro osagwiritsidwa ntchito. Mwachitsanzo: penshiyi ikalembedwa ku akaunti ya wopumira penshoni ndipo samazichotsa patatha mwezi umodzi. Chiwongola dzanja chidzawerengedwa pa muyezo wapakati wa akaunti.

Pali madipoziti omwe amatsegulidwa popanda cholinga chenicheni, ntchito yawo ndikusunga ndalama pakagwa zinthu zosayembekezereka.

Mbali 3. Ndalama zosungitsa

Madipoziti ndi ruble, ndalama zakunja, ndalama zambiri.

Ruble madipoziti khalani ndi chiwongola dzanja chokwanira pamndime. Zimatengera mitengo ya refinancing, koma akhoza kusinthidwa chifukwa cha mavuto azachuma. Pali madipoziti okhala ndi chiwongola dzanja chokhazikika. Izi zimafotokozedwa mgwirizanowu.

Malo osungira ndalama zakunja chiwongola dzanja chochepa chimaperekedwa. Koma ndiyokhazikika komanso, chifukwa cha kukwera kwamitengo, ngakhale ikukula, m'mawu onse, zokolola pamalowo zitha kukhala zazikulu kuposa ruble (kutengera mtundu wosinthira).

Zopindulitsa kwambiri ndizo madipoziti multicurrency... Monga lamulo, amatsegulidwa mu mitundu itatu: Ma ruble, Yuro, Madola aku U.S.... Ubwino wamtundu wamalonda uwu ndi kutha kusamutsa gawo limodzi la dipositi kupita ku linzake kutengera kusinthana kwa ndalama. Chidwi chimawerengedwa padera pamtundu uliwonse wa ndalama ndipo chimasinthidwa ndikapempha wosungitsayo.

Zabwino kudziwa! Madipoziti amatha kuperekedwa osati ndalama zokha, komanso mfundo zina.Mwachitsanzo, muzitsulo zamtengo wapatali. Phindu lamadipo pakadali pano limatengera mtengo wamsika wazitsulo zamtengo wapatali patsiku lomwe asinthanitsa ndalama.

Mbali 4. Wothandizira

Ali ndi ufulu wosungitsa ndalama thupi ndipo malamulo nkhope.

Gulu aliyense payekha monga nzika zonse za Russian Federation, alendo. Malo awo amakhala ndi inshuwaransi ndi Deposit Insurance Agency (DIA) pamalowo kale 1 400 000 Ma ruble... Werengani zambiri za inshuwaransi ya munthu payekha munkhani yathu.

KU mabungwe azovomerezeka onjezerani mabizinesi ndi mabungwe osiyanasiyana. Zopereka zawo ayi inshuwaransi ndikudalira kwathunthu kubanki yosunga ndalamazo. Chiwongola dzanja pamalipiro amenewa chimakhazikitsidwa ndi banki payokha, kutengera kuchuluka ndi nthawi.

Mtunduwu sulengezedwa makamaka ndi mabanki. Ndizopindulitsa kwambiri kwa iwo kuti azigwiritsa ntchito ndalama zomwe amapeza m'mabizinesi awo kumaakaunti awo aulere kwaulere. Ngakhale madipoziti oterewa amapindulitsa makampani, chifukwa ndalama zambiri zimapezeka mumaakaunti apano.

Ndisanayiwale, pali osunga ndalama ayi Omwe ndi makasitomala kubanki, cholinga chawo ndikupanga ndalama pamalipiro a banki.

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Madipoziti osiyanasiyana amalola wosungitsa ndalama kuti asankhe momwe angagwiritsire ntchito ndalama ndikuwonetsetsa kuti ntchitoyo ikupindulitsa.

Ndondomeko ya ndondomeko ndi ndondomeko yowerengera zoperekazo

4. Momwe mungawerengere zoperekazo - magawo anayi akulu owerengera zokolola deposit

Mabanki, omwe amapeza ndalama za osunga ndalama, amagawa ndikupanga phindu. Omwe amasunga amatenga zawo kuchuluka kwa phindu kubanki.

Malo onse obwereketsa ngongole ali nawo ziwerengero za ndalama, kukulolani kuti mufotokozere kuchuluka kwa phindu pazosungitsa zina. Ngati mukukumana ndi zovuta zilizonse, mutha kulumikizana ndi woyang'anira banki yemwe angayankhe funso lililonse lomwe lingakhalepo.

Mutha kuwerengetsa phindu la zomwe mwasungapo nokha kuti mukhale otsimikiza posankha ndalama. Izi zimakhala ndi magawo angapo, ofotokozedwa mwatsatanetsatane pansipa.

Gawo 1. Kukhazikitsa njira yowerengera chiwongola dzanja

Mlingaliro m'mawu mwadzina umakhazikitsidwa pa mgwirizano wamadongosolo, njira yowerengera chiwongoladzanja imadziwikanso pamenepo.

Pali njira ziwiri zowerengera chidwi:

1. zosavuta;
2. kuphatikiza ndalama.

Njira yosavuta ndikungopeza chiwongola dzanja kwa nthawi inayake, bola ngati ndalamazo zisasinthe.

Pakakhala ndalama zomwe mwapeza, chiwongoladzanja chimawonjezeredwa pamlingo wonse womwe wapereka, pafupipafupi, thupi limasunganso, ndipo chiwongola dzanja chimakhala chachikulu. Njira yowonjezerayi ndi opindulitsa kwambiri kwa osungitsa ndalama, koma kusiyana kudzakhala kwakukulu kokha ndi madipoziti ambiri.

Tidakambirana mwatsatanetsatane za capitalization ya dipositi ndi momwe tingawerengere ndalama zomwe timasungitsa ndi chiwongola dzanja m'modzi mwazomwe tidalemba kale.

Gawo 2. Ikani njira yosavuta yophatikizira

Kuti tichite izi, timangowerengera kuchuluka kwa ndalamazo, poganizira nthawi yoyikiratu, pogwiritsa ntchito chilinganizo:

Njira yowerengera chiwongola dzanja pa chiphaso

Mwachitsanzo: Kuchuluka kwa ndalama 50 000 Ma ruble, kutalika Masiku 90, chiwongola dzanja 5% pachaka.

Ndalama m'miyezi itatu adzakhala: 50 000*90*0.05/365=616 rubles.

Gawo 3. Timawerengera capitalization komanso chiwongola dzanja chothandiza

Ndalama zomalizira zimadalira kuchuluka kwowonjezera chiwongola dzanja pamtengo waukulu womwe wapereka.

Ndikofunika kulingalira! Ndikulumikizana mwezi uliwonse, chiwongola dzanja chidzakhala pansipakuposa ndi kotala, etc.

Kuchuluka kwake Mulingo woyenera zimatengera kuchuluka kwa ma capitalization omwe apangidwa ndipo azikhala ofanana ndi nambalayi.

Mwachitsanzo: Ndi chopereka 50 000 rubles, kwakanthawi kuyatsa 3 miyezi ndi capitalization pamwezi, pansi 5% pachaka m'mwezi wachiwiri, chiwongola dzanja chidzaperekedwa 50 205 ma ruble (205 - chiwongola dzanja cha mwezi woyamba), ndi zina zambiri. Kwa miyezi itatu, zonse zidzakhala 50 633 ma ruble... Chiwongola dzanja chokwanira chidzakhala 5,02%.

Gawo 4. Kuwerengera phindu lomaliza

Mutha kuwerengera phindu pogwiritsa ntchito chiwongola dzanja, kapena mutha kungogwiritsa ntchito chosungirakuti banki iliyonse ili nayo.

Kuti mudziwe kubweza kokwanira pamadipo, mutha kusanthula njira zingapo zopezera ndalama:

Chitsanzo: Maziko ake ndi gawo la pachaka la 100,000 ma ruble, ndi zosiyana capitalization chimodzimodzi chiwongola dzanja, popanda kubwezeretsanso.

Mndandanda wazomwe zimakhudzidwa ndi capitalization (mafupipafupi) pamlingo woyenera komanso phindu lomaliza pamalipiro:

Zizindikiro	Zosankha zosungira
	1 gawo	2 gawo	3 gawo
Chiwongola dzanja	8%	8%	8%
Kulipira ndalama	ayi	mwezi uliwonse	pachaka
Phindu (ma ruble)	8 000	8 299	8 243
Chiwongola dzanja chokwanira	8%	8,30%	8,24%

Chitsanzo chikuwonetsa momveka bwino momwe zingakhalire capitalization zimakhudza chiwongola dzanja chokwanira pa chindapusa. Nthawi zambiri zimachitika, phindu limakulanso (bola osungitsa ndalama asachotse chiwongola dzanja chomwe adapeza).

Pochita, Malo osungidwa ndi capitalization pamwezi amakhala ndi dzina locheperako poyerekeza ndi kotala imodzi.

Momwe mungasungire ndalama molondola - malangizo ndi magawo kwa oyamba kumene

5. Momwe mungasungire ndalama kubanki - njira 4 zosavuta

Mabanki amapereka mapulogalamu osiyanasiyana okopa makasitomala. Pabungwe lililonse lobwereketsa, pali njira zambiri zopezera ndalama.

Ndikofunika kumvetsetsakuti mapulogalamu osiyanasiyanawa ndi otsatsa otsatsa kuposa mwayi wazikhalidwe zosiyana kwambiri.

Atapanga chisankho chokhazikitsa ndalama zina kubanki, woikirayo akutsata cholinga chopeza ndalama ndikupeza pang'ono. Kuchuluka kwa ndalama zoterezi zimadalira kusankha kwa ngongole.

M'munsimu mwatsatanetsatane tsatane-tsatane malangizo potsegula ndalama, mukawerenga, mutha kupewa zolakwika zambiri ndikupulumutsa nthawi yanu.

Gawo 1. Kusankha banki

Ngakhale madipoziti m'mabanki ali ndi inshuwaransi ndi DIA (inshuwaransi ya amana), muyenera kusankha bungwe lolimba, lodalirika. Ndani akufuna kudikirira kuti ndalama zawo zibwezeretsedwe chiphaso cha banki chitachotsedwa?

Mukamasankha banki, muyenera kumvera zizindikiro zazikulu 2:

1. Kudalirika.Mutha kuwona banki ndi mavoti; ndemanga za makasitomala; malipoti ofalitsidwa patsamba lino.
2. Kupezeka.Posankha banki, munthu ayenera kuganizira zakutali kwake komwe amakhala kapena komwe amakhala. Ndikosavuta kukhala ndi ndalama kubanki "moyenda mtunda".

Ndikofunika kutsegula ndalama kubungwe la ngongole komwe muli kasitomala kale (Mwachitsanzo, adafunsira ngongole kapena adatsegula akaunti yapano kwa omwe akuchita bizinesi). Mabanki ndi okhulupirika kwa makasitomala awo ndipo amatha kupereka ndalama zokongola (makamaka kwa makasitomala omwe ali ndi VIP).

Gawo 2. Kusankha pulogalamu yoyika ndalama

Mawebusayiti amabanki amakhala ndi zidziwitso zonse za momwe zinthu ziliri, mitundu ya ma depos. Ndizotheka kuwerengera ndalama pogwiritsa ntchito chowerengera pa intaneti. Chifukwa chake, ndikofunikira kuwerengera mosamala zosankha zonse ndikusankha yabwino kwambiri.

Magawo akulu azoperekazo, omwe amafunika kulipidwa mwapadera ku:

• peresenti;
• kuthekera kwa kubwezeretsanso / kuchotsa;
• kuchuluka kwa chiwongola dzanja, kupezeka kwachuma;
• zofunika kuchotsedwa msanga.

Ndikofunika kulingalira! Simungadalire phindu la chiwongola dzanja ngati chinthu chofunikira. Bwino, pogwiritsira ntchito makina owerengera, werengani ndalama za mtundu wina wa dipositi.

Chofunikanso ndichakuti nthawi yopangira... Ndikwabwino kupititsa mgwirizanowu kusiyana ndi kuchotsa ndalamazo pasadakhale popanda chiwongola dzanja.

Mutha kulumikizana ntchito zosankha... Kumakhala kotheka kuyika magawo azomwe zasungidwazo ndipo pulogalamuyi ipereka ndalama zoyenera.

Gawo 3. Kusayina contract

Mapeto a mgwirizano wamadongosolo ndi njira yokhazikika ndipo siyimabweretsa zovuta.

Banki imaperekedwa pasipoti (kwa nzika za Russian Federation) kapena wina chiphaso (nzika zakunja), komanso khadi yokhala ndi ma signature osankhidwa imadzazidwa kuti athe kudziwika. Kuphatikiza apo mungafunike ID yankhondo ndipo malo okhala.

Mpangidwe wa mgwirizano ndiwokhazikika; mukasaina, mverani ndalama, nthawi, chiwongola dzanja ndi zina zofunika posungitsa. Mukasainira, kope limodzi la mgwirizano limasamutsidwa kwa omwe adasungitsa ndalama. Mukamapereka ndalama paintaneti, mgwirizano umatumizidwa ku imelo ya amene amasungitsayo.

Gawo 4. Kutumiza ndalama kwa osunga ndalama ndikulandila chitsimikiziro chotsegula dipositi

Wosungitsayo amaika ndalama padesiki ya banki, amalandira banki yolandiridwa risiti ya ndalama ndi siginecha ndi sitampu ya wogwira ntchito kubanki ndipo mgwirizano wamadongosoloyolembedwa ndi onse awiri. Zolemba izi ndi chitsimikiziro chotsegula gawo.

Nthawi zina, wosungayo akhoza kuperekedwa buku lopulumutsa... Iwo pang'onopang'ono akukhala chinthu chakale, tsopano nthawi zambiri madipoziti amaperekedwa ndikutsegula akaunti ya khadi... Ngati mutalumikiza banki ya intaneti pa khadi lotere, mutha kutsatira zonse zomwe zimayikidwa.

Mabanki ambiri amapereka ntchito yotsegulira ndalama pa intaneti. Iye mwayi kuti palibe chifukwa choti mupite ku banki, kuyimirira pamizere, kudikirira.

Chifukwa gawo la intaneti muyenera kupita patsamba la banki yomwe mwasankha, kulembetsa pa iyo. Lumikizani ntchitoyi mu akaunti yanu "Tsegulani gawo".

Kuphatikiza apo, kutengera mtundu wa dipositi, muyenera kulemba zambiri, onetsani tsatanetsatane wa akaunti yomwe ndalama zidzabwezeredwe kusungiko. Poterepa, chitsimikiziro chotsegulidwa cha chindapusa chikhale chikalata chapawebusayiti chodziwika "Zatsirizidwa".

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Chifukwa chake, zitha kudziwika kuti sizovuta kutsegula ndalama, chinthu chachikulu ndikuti zimabweretsa phindu lomwe likuyembekezeredwa.

6.Kodi malo abwino osungitsira ndalama - Mabanki TOP-3 okhala ndi malo abwino oti madipoziti 📋

Pofuna kudalira ndalama zawo, amasankha madipoziti m'mabanki odalirika. Kufunafuna ndalama zambiri kumatha kubweretsa zovuta.

Ngongole yobweza ngongole itachotsedwa layisensi, ndiye kuchuluka kwake komwe mungadalire ndikubweza ndalama zomwe mudasungitsa ndi chiwongola dzanja chomwe chidaperekedwa kale ku akauntiyi. Chidwi sichimapezekanso chilolezo chitachotsedwa; muyenera kudikirira ndalama kuchokera 1 miyezi ndi kupitirira... Izi zimaperekedwa kuti dipo lidakhala la inshuwaransi.

Zindikirani! Posankha komwe mungagwiritse ntchito ndalama, ndibwino kuti muzitsatira mfundo zake "Zochepa ndibwino".

M'munsimu mwasankhidwa TOP - 3 mabanki, yomwe imapereka zinthu zabwino zokhazikitsira ndalama ndipo imakhala yodalirika kwambiri.

1) Sberbank

Banki yayikulu komanso yodalirika ku Russian Federation - Sberbank... Makasitomala ake amaposa Anthu 139 miliyoni kuzungulira dziko lapansi. Ili ndi netiweki zazikulu kwambiri zamaofesi, maofesi oimira ndi mabungwe omwe ali m'maiko oyandikana nawo, Europe, Asia, ndi USA. Pankhaniyi, ndikosavuta kuti makasitomala azigwiritsa ntchito ntchito zawo.

Zofunika kuziganizira, kukula kwa banki kumalola kuti zikhale ayi mafoni kwambiri, kukopa madipoziti ayi pamitengo yayikulu kwambiri, koma yamphamvu komanso yodalirika.

Magulu azomwe amapereka m'mabanki ndi otakata kwambiri. Apa akuti mapulogalamu osiyanasiyana olunjika kwa osunga ndalama zazikulu komanso kwa iwo omwe akuyenera kusunga ndalama zawo, mapulogalamu othandizira.

Mutha kutsegula ndalama mu ma ruble, Yuro, madola... Zinthu zonse zimaperekedwa patsamba la kampaniyo ndikutha kuwerengera kuchuluka kwa ndalama. Ndikotheka kutsegula ndalama pogwiritsa ntchito akaunti yanu Sberbank pa intaneti.

Osachepera gawo otsika, chifukwa chake osunga banki ndi makasitomala omwe amalandila ndalama mosiyanasiyana. Chiwongola dzanja sikokwanira. Mutha kupeza ndalama zabwino kokha kutengera ndalama zambiri.

Banki imakopa makasitomala ndi mtundu wake komanso kupezeka kwa nthambi zambiri ndi maofesi owonjezera.

2) VTB 24

Banki ndi imodzi mwamakampani akuluakulu achi Russia. Kuyang'ana kwambiri kugwira ntchito ndi anthu payekha, bizinesi yaying'ono, amalonda... Kuwerengera pafupifupi makasitomala 12 miliyoni anthu, ali ndi netiweki yochuluka yanthambi. Ali ndi mavoti apamwamba.

Amapereka mapulogalamu osiyanasiyana osiyanasiyana, zikhalidwe zotsegulira zomwe zafotokozedwa patsamba lake pa intaneti. Phindu la gawo limawerengedwanso patsamba. Banki imapereka ntchito yotsegulira ndalama kutali. Madipoziti amatsegulidwa ndalama zilizonse (Ma ruble, Yuro, dola).

Kutalika kokwanira gawo imapereka kuchuluka kwa makasitomala olemera. Apamwamba chiwongola dzanjakuposa ku Sberbank, kutalika kwa madipoziti kale 5 zaka, ndikudalirika kokwanira kumapereka zopereka VTB 24 chinthu chodziwika bwino chazachuma.

3) PJSC Bank FC Otkritie

Banki imagwira ntchito pamsika wazachuma Zambiri 20 zaka, ndi banki yayikulu kwambiri yabizinesi yaku Russia. Malinga ndi bungwe lowerengera "Katswiri RA" amatenga 7-th malo potengera capital capital. Ili ndi nthambi m'madera 52 a Russia, pafupifupi makasitomala 3.5 miliyoni aliyense payekha.

Banki ili ndi ntchito zingapo zosiyanasiyana zaanthu. Mutha kujambula, kutaya, kuchotsa ndalama mukamayendera ku banki kapena kudzera pulogalamu yam'manja... Palinso Banki yapaintaneti.

Mutha kutsegula gawo lililonse. Ngongole imapereka osiyanasiyana madipoziti.

Banki ili ndi avareji gawo lothandizirakupezeka kwa makasitomala ambiri. Zinthu zabwino komanso zapamwamba chiwongola dzanjaperekani zabwino kubweza.

Bungwe la ngongole limapereka chiwongola dzanja chowonjezeka pamasamba omwe adatsegulidwa pa intaneti kuonjezera kutchuka kwa ntchitoyi.

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Gome lachidule limaperekedwanso pansipa kuti lidziwike. by 6-mabanki akulu ndi ndalama zochepa zomwe mwapereka komanso chiwongola dzanja chachikulu.

Poyerekeza tebulo la madipoziti m'mabanki osiyanasiyana okhala ndi zisonyezo zochepa zoperekera ndi chiwongola dzanja pa iwo:

№	Kuyendetsa ngongole	Osachepera. ndalama, madola zikwi	Max. peresenti pachaka
1	Sberbank	1	5,63
2	VTB 24	200	7,40
3	Kutsegula	50	9,25
4	Rosselkhozbank	50	8,75
5	Ural Bank Yomangidwanso ndi Kukula	5	9,00
6	Banki ya Tinkoff	50	9,45

Chifukwa chake, mitundu yosiyanasiyana yazikhalidwe ndi zikhulupiriro za chiwongola dzanja zimapatsa kasitomala mwayi wosankha banki ndi chiwongola dzanja chabwino.

7. Momwe mungasankhire ndikukonzekera ndalama kubanki - Malangizo 5 othandiza ochokera kwa akatswiri 💎

M'mbuyomu, kuti mutsegule ndalama, kunali koyenera kudutsa mabanki amzindawu, kusankha malo oyenera ndikuyimira pamzere wosankhidwa ndi ngongole. Izi zimafunikira nthawi (maola ogwirira ntchito m'mabanki nthawi zambiri amaphatikizana ndi nthawi yogwirira ntchito) ndi cholinga.

Tsopano chitani kwambiri Zosavutirako, zosavuta ndipo Mofulumirirako.

Kuti tipeze phindu lokwanira komanso phindu pazochitikazo, tikupangira kuti mudzidziwe bwino upangiri wa akatswiri kudera lino.

Langizo 1. Mtengo wa chiwongola dzanja usakhale mwala wapangodya wosankhira

Mukatsegula ndalama, cholinga chachikulu chimakhala pa chiwongola dzanja. Zikuwoneka kuti zonse ndi zolondola, madipozowo ali ndi inshuwaransi, palibe chifukwa chodandaula ndi kutayika kwawo. Koma ndi zoona kokha bola banki ilibe mavuto azachuma.

Zofunika kuziganizirakuti panthawi yamgwirizano wamadipoziti, layisensi ya banki ikhoza kuchotsedwa. Kenako muyenera kubweza kuchuluka kwa zomwe mudasungitsa ndi chiwongola dzanja chochepa. Nthawi yomweyo, ikaikidwa pakampani yodalirika yobwereketsa chiwongola dzanja chochepa, ndalama za amene amasunga nthawi yomweyo zidzakhala zochuluka.

Ndikofunika kuzindikira momwe zinthu zilili pulogalamuyi: Kupezeka ndipo pafupipafupi capitalization posungitsa, kuthekera kwa kukonzanso kwake ndipo kuchotsa etc.

Langizo 2. Gawani chopereka chimodzi kukhala zingapo

Ndikofunika kukumbukira: "Simungasunge mazira onse mudengu limodzi." Mwambiwu umatsimikizira bwino malangizo otsatirawa.

Ngati muli ndi ndalama zambiri, ndibwino kuti muzigawa kumabanki osiyanasiyana.

Poyerekeza ndi gawo limodzi, kutsegula madipoziti angapo m'mabanki osiyanasiyana kuli ndi izi:

• kuchepetsa chiopsezo chotaya ndalama pakagwa mavuto kubanki;
• kutha kusankha zosankha zabwino kwambiri payokha posankha ndalama.

Mungatsegule gawo la multicurrencyyemwenso ili ndi zopindulitsa zake.

Ubwino wosungitsa ndalama zingapo:

• kutha kuyang'anira akauntiyo momasuka;
• ngati kuli kotheka, mutha kusintha ndalamazo;
• kuchepetsa zotayika chifukwa cha kukwera kwamitengo.

Njira yabwino kwambiri ndikuyika ndalama molingana ndi ndalama zitatu: Ma ruble, madola, Yuro.

Munthu amene saopa zoopsa ndipo akufuna kuphunzira momwe angayendetsere ndalama zake atha kutsegula gawo logulitsa ndalama.

Chimodzi mwazosungitsa ndalama ndikugawana gawo mu magawo awiri:

1. chopereka;
2. ndalama zothandizana (ndalama zogwirizana).

Chiwongoladzanja cha dipositi chimawerengedwa muzochitika zonse. Kupindula kwa ndalama m'mabungwe ogwirizana kumadalira pazinthu zambiri. Kuphatikiza apo, chinthu chachuma chimasankhidwa ndi kasitomala wekha.

Chifukwa chake, potsegula ndalama zoyika ndalama, mutha kupanga ndalama mwangozi, kapena kutaya theka la ndalama ngati ndalamazo sizinapindule.

Langizo 3. Ikani ndalama m'mabungwe angongole okha

Ngati mwa kusungitsa ndalama zake, wosungayo amayembekeza kuti abweza, ndiye sindingathe khulupirirani makampani osatsimikizika omwe amakopa makasitomala ndi kuchuluka kwakukulu.

Ndikofunika kutsatira kokha kwa mabungwe omwe amatenga ngongole omwe ali ndi inshuwaransi Bungwe la Inshuwaransi Yosungitsa (DIA). Mndandanda wawo ukupezeka patsamba la Agency ndi Central Bank of the Russian Federation.

Zofunika! Nthawi zambiri, mabungwe amagulu angongole, mabungwe ndi mabungwe ena azachuma amafalitsa zambiri za inshuwaransi yazantchito zawo. Nthawi zambiri, izi ndizo kutsatsa kutsatsa.

Ngati chiwongola dzanja chomwe amapereka ndichabwino kwa kasitomala, ndiye kuti muyenera kuwunika zambiri zamakampani amenewo.

Pali njira zingapo zowunikira kudalilika kwa ngongole:

• Mukamayendera ofesi ya kampanikomwe zikalata zonse ziyenera kupezeka pagulu;
• Onani tsamba lawebusayiti. Nthawi yomweyo, ndikofunikira kusamala ndi kutalika kwa ntchito, kukula kwa katundu, kuchuluka kwa zovuta pazomwe mukuyenera kuchita;
• Phunzirani ndemanga za makasitomala pamisonkhano yodziyimira payokha.

Zidzakhala zovuta kuti wosakhala katswiri amvetsetse ma nuances onse, pali mwayi waukulu woti ugwere m'manja mwa anzawo osakhulupirika.

Langizo 4. Ganizirani mozama nthawi yomwe amasungitsa

Kutalika kwa nthawi yayitali, chiwongola dzanja chimakulirakulira. Ngati ndalama zimaperekedwa kwa nthawi yayitali, mosakayikira ziyenera kuwerengedwa chiwongola dzanja chachikulu.

Komabe, ndikofunikira kulingalira kuti ngati kutha kwa mgwirizano kutha msanga (palibe amene ali ndi inshuwaransi pazinthu zosayembekezereka), chiwongola dzanja chazipeza osacheperandiye kuti, simudzatha kupanga ndalama.

Ngati ndalama sizinapangidwe pazinthu zenizeni: kugula nyumba, kuyenda, ndi zina zambiri, ndibwino kusankha nthawi yayitali yopangira ndalama.

Langizo 5. Ndi bwino kusankha ziganizo zosavuta komanso zomveka bwino

Ntchito zotsatsa mabanki zikuchitika kuti akope osunga ndalama momwe angathere. Zosiyanasiyana "zokongola" ndi mabhonasi osangalatsa amapangidwa. M'malo mwake, nthawi zambiri zimangokhala zokha mabodza.

Ngati simuli katswiri wazachuma, ndibwino kuti musankhe mapulogalamu osavuta, omwe phindu lake limatha kuwerengedwa wekha.

Zinthu zosavuta komanso zomveka, banki yodalirika - zonse zomwe mukufunikira kuti muyike ndalama zanu mopindulitsa.

Kukhala ndi ndalama zaulere, mutha kupanga chokhazikika gwero la ndalama zopanda pake, yomwe ingakhale bonasi yabwino ku bajeti yabanja.

8. Mafunso omwe amafunsidwa pafupipafupi pamabanki ndi madipoziti bank

Kenako, tiyankha mafunso otchuka pamutuwu.

Funso 1. Kodi ndalama zosungidwa ndi ziti?

Kusungitsa ndalama ndi chida chazachuma chakuyika ndalama. Chofunikira chake ndikugawana ndalama kukhala zopereka zenizeni ndi kupitirira ndalama zaku ndalama.

Ntchitoyi imaperekedwa ndi mabungwe azangongole omwe amalumikizana nawo ndalama zothandizana (Zothandizana ndalama). Kawirikawiri ndalama zosungidwazo zimagawidwa 50/50... Koma ndalama zokhazokha ndizomwe zidzakhale inshuwaransi mu DIA.

Masiku ano madipoziti amtunduwu ndi mtundu wodziwika bwino wazachuma. Izi ndichifukwa cholandila pa iwo phindu lalikulukuposa ndi madipoziti wamba. Kuphatikiza apo, wosungayo amapeza zinachitikira ndalama ndi zoopsa zochepa.

Mbali imodzi, kugawidwa kwa magawo awiri kumatsimikizira kuti dipo lidzakhala lotetezeka komanso kulandira ndalama zochepa.

Mbali inayi, amapatsidwa mwayi wolandila kangapo phindu lochuluka ndi ndalama zopambana kapena kutaya ndalama zomwe zimayikidwa m'mabungwe ogwirizana.

Zomwe zimayikidwa pakasungidwe kandalama ndi:

• pakhomo lolowera;
• m'masiku ochepa patsogolo;
• kuthekera kwa kutalikitsa.

Funso 2. Cholozera cholozera - ndi chiyani?

Pali madipoziti akubanki, momwe zinthu zilili kuthekera kolozera chiwongola dzanja kutengera mtengo wazinthu zina. Mwachitsanzo, zotetezedwa, kusinthana kwa dollar, index ya RTS, inflation, ndi zina zambiri..

Ngati chuma chikukula, wosungitsayo amalandila chiwongola dzanja chowonjezerapo, ndipo katunduyo akagwa, chiwongola dzanja chimalipitsidwa monga momwe amasungitsirapositi restante».

Funso 3. Kodi online banki calculator ndi chiyani?

Posachedwa, kuti mumvetsetse momwe zimapindulira kusungitsa ndalama, mumayenera kupita ku banki, kukaima pamzere kuti mukambirane. Tsopano zonse zakhala Zosavutirako ndipo zosavuta.

Mawebusayiti onse amabanki amakhala ndi zambiri zamapulogalamu omwe akufuna kupezera ndalama zosungitsira. Njira yatsopano ndiyopezeka chowerengera pa intaneti... Amapereka mwayi wowerengera phindu la pulogalamu inayake kuti adziwe momwe zinthu ziliri.

Chiwerengero chapaintaneti ndi pulogalamu yomwe idasinthidwa kukhala bungwe lazachuma, lomwe limaphatikizapo zofunikira zonse zosungitsa banki inayake.

Pogwiritsa ntchito makina owerengera pa intaneti, mutha kuwerengera kuchuluka kwa chiwongola dzanja, kapena ndalama zomwe mudzasungidwe kubanki (posungitsa)

Makina owerengera ndalama amathandizira kudziwa mtundu wa nthawi ndi nthawi, ndizosangalatsa komanso mwachangu kuti agwire ntchito.

Kuphatikiza apo, ndizovuta kuwerengera kuchuluka kwa ndalama pamanja ngati pali chiwongola dzanja chambiri komanso kubwezeretsanso ndalama. Chojambulira pa intaneti kuthana ndi ntchitoyi nthawi yomweyo.

Funso 4. Kodi mungawerengere bwanji chidwi pa dipositi pogwiritsa ntchito chowerengera pa intaneti?

Makina owerengera pa intaneti amathandizira kuwerengera phindu lomwe mwapeza posungitsa ngongole.



Muyeso wa calculator ya dipositi yomwe iyenera kulowetsedwa powerengera ndi:

• kuchuluka ndi ndalama;
• chiwongola dzanja;
• zambiri zokhudza capitalization;
• nthawi ya kusungitsa (tsiku lotsegulira / kutseka).

Zowonjezera, kutengera mtundu wa zopereka, zitha kukhala mtundu wa kubetcha, ndalama ndipo pafupipafupi kukonzanso/ kuchotsa etc.

Pambuyo polowera deta "Zotsatira" ndalama zomwe zingatheke pakasungidwe kake ziziwerengedwa zokha.

Ndikofunika kudziwa! Njira yowerengera chiwongola dzanja ndi yomweyo m'mabanki onse, Chifukwa chake, ngati palibe chowerengera pa intaneti patsamba la banki yomwe mwasankha, mutha kuwerengera pogwiritsa ntchito pulogalamu ina polowetsa magawo anu.

Munkhaniyi, tidayesera kufotokoza zonse zofunika pakuika ndalama kubanki. Tikukufotokozerani za mawu otchuka; adawonetsa momwe angawerengere chiwongola dzanja.

Mfundo zazikuluzikulu zomwe zitha kupezedwa pofufuza msika wogulitsa ndi awa:

1. Kuti mupange phindu lalikulu, muyenera kukhala ndi ndalama zambiri;
2. Kusungitsa ndalama ndi njira yabwino yopulumutsira komanso kusungitsa ndalama kuchokera kukwera mtengo kwa zinthu kuchokera kwa inu nokha, komanso njira yabwino kwambiri yosungira kugula kwakukulu mtsogolo;
3. Izi zimakhala ndi zoopsa zochepa poyerekeza ndi njira zina zachuma;
4. Kulandila ndalama zilizonse, ngakhale zazing'ono, koma zosasinthika, zimapangitsa kugulitsa ndalama m'masungidwe / madipoziti kukhala kosangalatsa komanso kofunikira.

Tikukulangizani kuti muwonere kanema wonena za banki yosungitsa (yosungitsa kubanki) m'mawu osavuta:

Ikani ndalama zanu mopindulitsa komanso motetezeka, zoopsa zilizonse ziyenera kuzindikiridwa osati zofunikira pa bajeti yabanja. Zabwino zonse kwa aliyense ndipo tiwonana posachedwa!

P.S. Maganizo Athu pa Gulu la Moyo adzakhala achimwemwe kwambiri ngati mutagawana zomwe mumakumana nazo komanso malingaliro anu pamutu wofalitsa mu ndemanga pansipa!

Onerani kanemayo: Cuban Cigars custom hand rolled (Mulole 2024).