Indlela yekubeka imali - ukuvula i-savings account. Funda indlela manje!

Imali emabhange ongakhonza hhayi kuphela kokuthola imali ku-akhawunti bese ususa noma kunini. Ezinye izinhlobo imali uvumele ukulondoloza ethile. ithuba elinjalo kufanele Wacabangisisa njengenhlangano ukungakwazi wonge imali bese uyawagcina izinjongo zabo - ke kuyinkinga amaRashiya amaningi.

Ukulondoloza i-akhawunti - kangaka okuthiwa umnikelo evumela ukuzuza imali ku-akhawunti ngesimo isithakazelo.

zinhlobo

Kukhona ukonga akhawunti ngezinhloso ezehlukene: impi ngenhloso yokuthuthukisa izimo zokuphila (uhlelo isimo ukusekela imikhakha ethile yezakhamuzi), abantu zomthetho (abasunguli LLC, JSC) osomabhizinisi ngabanye, okuvumela izinhlangano ukulondoloza dolobha ngokusebenzisa izimali kusukela inzuzo.

Kwezinye izimo, izakhamuzi ukuxazululwa ukuvula i-savings account ukuze babe ukonga isikhathi "ilanga lina" noma ukuthenga sina (okunye okuhle ukubolekisa okuyiwona umboleki kumele akhokhe isamba esikhulu nje ithuba ukuthatha imali ebhange).

Amabhonasi ebhange

ukuncintisana okunempilo phakathi amabhange kwenza kube nokwenzeka ukuba athole hhayi kuphela okuhle senzalo ku idiphozi, kodwa futhi iziphakamiso ezithakazelisayo. Emabhange ukuvula zonke izici ezintsha kanye ibhonasi nice. Ngokwesibonelo, abanye amabhange yesimanje aselungele inkokhelo okunemibandela ukwenza ezibanjwayo kusuka ku-akhawunti yakho uma uthola imali ngakolunye - i-savings account.

Yenza imisebenzi efana ne ezifakwa ngisho lula futhi kuwusizo kakhudlwana ne okuthiwa "Bank Online". Ngokufinyelela ku-intanethi, ungafaka ku-akhawunti yakho kwi-website esemthethweni ebhange lapho une-akhawunti, futhi enze noma yikuphi ukuqhutshwa ngemali yakho: thola ezifakwa entsha, uthumele imali kwamanye ama-akhawunti (kufaka phakathi kwamanye amabhange kanye iminikelo zabanye) ...

Ngaphezu kwalokho, kulula ukuthola ukuthi zithinteka kanjani imali oyithola ethile. Kuze kube yimanje, iwebhusayithi ibhange sithumele yokubala imali. Faka idatha ensimini wokubala, cindezela inkinobho "Bala" futhi uthole imali ku-akhawunti yakho ekupheleni kwesikhathi. Ngakho wonke umuntu angakwazi ukunquma ukuthi iyiphi ebhange futhi hlobo luni (igama) umnikelo kufanele uvule.

samuntu encomekayo

Ngokuphathelene isithakazelo phezulu idiphozi, kubalulekile ukukhumbula okulandelayo. amabhange sina, esikhulu futhi enokwethenjelwa bazimisele ukunikeza the rates ephansi ku imali, kodwa ukuqinisekisa ukubekwa endaweni ephephile imali yakho. Lokhu kulinganisela (ngokuvamisile 6%) yanele ukuba uthole imali yibhange. Kodwa ezincane. Amabhange kancane, kodwa umlando kancane ukuthuthukiswa, bakulungele ukunikeza fabulous (ezingavamile kakhulu) izinga ephakeme - 12%. Kuyinto ezilingayo, kodwa lokho kuyingozi.

Imigomo idiphozi

Savings akhawunti ebhange - kuyindlela yesimanje futhi ephephile, engabizi futhi elula ukulondoloza imali bese ugcine imali.

Kodwa ngaphambi kokuba ukhethe usebenzise lokhu kunika ezilingayo, kufanele sihlole izimo umnikelo. bayehluka kakhulu phakathi amabhange. Ngokwesibonelo, uma kwenzeka lokuhoxa ekuqaleni imali ungakwazi ulahlekelwe ngeminye yemisebenzi (hhayi nje isithakazelo eyayithenjisiwe) yabo. Nakuba zikhona iziphakamiso, esangenza isizinda imali ngaphambi kwesikhathi ngaphandle ukulahlekelwa. Musa ukubeka eceleni kwakungenzeka lokhu ngaso sonke: empilweni zikhona lezimanga ezingemnandi, nokuthi nabo kangcono.

Kubalulekile futhi ukuba sicabange ukuthi singakwazi yini okwenza imali ye-akhawunti. Ezinye izinhlelo yasebhange ungavumeli izimo ezinjalo. Futhi ungakwazi ukuphila ngokuzinikela, uma uzimisele ukubeka imali efanele imali eziphezulu zenzalo. Futhi uma kungenjalo, kungcono ukuba ukhethe amabhange evumela ubuyise i-akhawunti yokonga.

Ingabe izimo ezibalulekile ezifana eside idiphozi lwemali. Uma ukhetha isikhathi eside, kungcono ukudlulisa imali ku currency angaphandle, futhi ezahlukene, wagqoka i-akhawunti ehlukile. Ngakho ulahlekelwa encane course. Ruble kukhona ekahle idiphozi isikhathi unyaka owodwa.

Nge efanele yikuphi, iyodwa ungagcina imali ngendlela ehloniphekile esifushane uma kuqhathaniswa nesikhathi. Abanye abatshali bezimali bayakujabulela ukwabelana indaba yabo: akhawunti yokonga ukuvumela othile ukuya eholidini eside elindelwe, othile wenza ukuthenga ezinkulu, futhi umuntu ukuphila izinyanga eziyisithupha emva ukulahlekelwa umsebenzi. Ukuvula umnikelo onjalo kuyinto ngezinye izikhathi kakhulu impela iwubuphukuphuku amount - ruble 3000. It kwenza uzibuze? ..