Inzalo ezifakwa emabhange eMoscow. Lapho inani elihle kunawo zenzalo?

E-Moscow, kukhona legatsha maphakathi seningi amabhange Russian. Yingakho noma ubani athole imali ozoyithola kutshalozimali imali uzokwazi ukuthola kukho efanelekayo. Yiziphi zenzalo yokuzigcina ezifakwa emabhange ezisebenza e Moscow namuhla? Lo magazini kuyinto ekhathaza bonke abafisa ukubeka imali yabo.

Ngo okuyinto ibhange kungcono ukuba athwale ukonga?

Manje izwe lethu libhekene akuyona izikhathi ezingcono emlandweni walo. Ukuswelakala kokusebenza ngokuhlanganyela ukukhula okukhulu komnotho kungathinta ukuzinza uhlelo lwezimali. Yingakho kubalulekile ukunquma okunokwethenjelwa kanjani ngamabhange. Ukunikeza nzima impendulo esiqondile. Abahlaziyi ukweluleka kungenzeka ngempela ukukufunda ngokuningiliziwe isimo samanje isikhungo, okuyinto unesithakazelo iklayenti amathuba amaningi, futhi kuphela ngaleso sikhathi wenze isinqumo sokugcina mayelana amabhange, imali, eziphezulu zenzalo.

Moscow - umuzi lapho izinkinga Ukukhetha qualitative uma kungavela. Kuze kube manje, kokubili isimo nezentengiselwano amabhange abambe iqhaza ohlelweni deposit umshwalense sabantu zemvelo. Lokhu isici iqinisekisa ukubuya iklayenti izimali ngisho umcimbi ngokumiswa lenhlangano yezezimali. Ake sihlolisise at the best interest rates ku ezifakwa emabhange eMoscow.

Foreign lwemali ezifakwa ngesiRashiya

Yeka ukuthi kusiza kangakanani ukugcina imali yabo e izimali zakwamanye amazwe namuhla? isithakazelo Ubukhulu ezifakwa kule Bank of eMoscow zamadola akuvamile idlule 6% ngonyaka. Singabona ukuthi ukubheja kuqhathaniswa ongaphakeme. Nokho, okwenza out idiphozi lwemali uthola isiqinisekiso eliphelele ekulondvolota kanye nekusita izimali zakho. Thina alikhulumi ngegama, kodwa mayelana nenjongo yangempela izinombolo. Kanjani ukuba sikuqonde lokhu? Akunjalo kudala dollar angizisoli mayelana 40 k., Kodwa manje ruble 50-60. Amakhasimende abathenge zamadola bese ikhishwa lwemali idiphozi namuhla bayozuza. Okokuqala, ayiholayo isithakazelo, futhi okwesibili, lapho exchange zamadola ruble uzothola isamba inkulu kakhulu kunangendlela izindleko lapho uthenga izimali zakwamanye amazwe.

Inzalo ezifakwa emabhange e Moscow (lwemali)

Yini amazinga zingatholakala ku izikhungo Russian yezimali currency angaphandle ezifakwa? Ngokwesibonelo, JSC "United Credit Bank" linikeza idiphozi "Imali udumo." Lapho obeka izimali unyaka owodwa iklayenti uzothola 8% ngonyaka. Kulokhu, akukho kungenzeka nesithakazelo ofeleba, kodwa kungenziwa umnikelo agcwaliswa. Uma iklayenti ekupheleni ethemini yesivumelwano akezi ngoba imali, kukhona avtoprolongatsiya idiphozi ngesikhathi esifanayo ngesikhathi lokuthenga ngesikweletu futhi inzalo, okuyinto ethatha okwamanje. Lezi izithakazelo ezifanayo futhi inikeza amakhasimende ayo "Arksbank". Kodwa "Vneshprombank" isungule izinhlobo eziningana ezifakwa ngamadola wase-US. Wokufaka "imali esiphezulu" (senzalo amabanga kusuka 2.5 7.5%) lizisho kancane kancane ikhasimende uyabuya.

Isimiso esifanayo is babeka phansi inzuzo nezinye ezifakwa:

• "Dumisa amaklayenti" - Izinga siyenyuka sisuka 5.2 7.5%;
• "Universal Control" - inzuzo kuzosuka 3.7 kuya 6.3%;
• Beka idiphozi "Finyelela Mahhala", ungathola imali 4,45 kuya 7,00%.

"Ibhange lase-Moscow": izimali zakwamanye amazwe imali, inzalo

I "BM Bank" ezifakwa angavulwa emahhovisi lesikhungo, kanye nge-Internet. Lokhu ngenhlanhla ekahle kakhulu abantu abangenayo isikhathi ukuza egatsheni. I okuqhubekayo kakhulu amakhasimende ebhange - kuyinto "Bank of Moscow". Imali at nesithakazelo kule sikhungo, kungase kwenzeke awunayo i isivuno ezinjalo, njengoba kwezinye izakhiwo. Buhle "BM" - ikhasimende inkonzo high quality, isipiliyoni iminyaka eminingi 'sokuba khona emakethe yasebhange ngamazwe, ukuqiniseka emabhange.

Okuncane deposit lemali "imali esiphezulu" kuyinto $ 100 noma euro angu-100. Izinga lenzalo yemali mboleko incike idiphozi term kanye nenani. Isibonelo, uma ubeka 100 ku- $ 20,000 izinsuku 91 ke lenzalo yakho kuyoba 1.35% ngonyaka. Uma wenza esilinganayo ukuze izinsuku 550 izinga kuyoba 1.7%.

Umnikelo "ukwanda Maximum" akuyona njengoba inzuzo, kodwa akukho esingaphansi ethandwa. Lokhu kusinikeza ithuba ashona kanye isithakazelo nosonhlamvukazi. Njengoba isibonelo, ukuthatha esilinganayo futhi ngesikhathi esifanayo. Izinga lenzalo yemali mboleko ngezinye idiphozi izinsuku ezingu-90 kwaba 1.25%, futhi ngesikhathi esiyizinsuku ezingu-550 ka - 1.6%.

"Ibhange lase-Moscow" inikeza esinye umnikelo abajabulisayo lwemali - "induduzo esiphezulu". Yiziphi izimo yesibambiso? isikhathi Idiphozithi ezisukela izinsuku 91 ukuze 1095 ikhasimende ukhetha ngokuzimela. Inani ubuncane lokuqala idiphozi izimali e lwemali $ 100 noma euro angu-100. Isithakazelo ikhokhelwa nyanga zonke. ukukhetha Ikhasimende sika kungase ofeleba noma nokukhokhwa ikhadi ahlukene yabo.

Yini ukukala ibhange inikeza amakhasimende ayo? Lapho obeka izimali kumadola (isib, $ 1,000) ku ikhasimende ngenzuzo sezinsuku ezingu-91 1.15%. Yebo, izinga incane, kodwa namanje ... Imigomo iminikelo ukunikeza amathuba angenamkhawulo: ukuhoxisa imali nigcwalise idiphozi kungenzeka ngaphandle kwemingcele. Eqinisweni, it is a akhawunti yamasheke njalo, kuphela "Bank of Moscow" inzalo ezifakwa ubeka njalo ephakeme (ngangokunokwenzeka).

Imali lwemali kazwelonke

Imali in ruble ukunikela cishe zonke amabhange eMoscow. Imali engcono isithakazelo kwalo nemibandela sizokubona ukuxoxa.

Okwamanje, sesiye ethandwa kakhulu, "City Bank". Uhlelo "Esiphuthumayo nokutshalwa kwezimali imikhiqizo" futhi "Derivatives nge accumulative umshwalense" ikhasimende imali ngonyaka uzothola u-18% inani idiphozi. Nokho, akukho kungenzeka nokufaka futhi ukhipha izimali ngesikhathi sonke isikhathi yesivumelwano. Okuncane deposit lemali in ruble kuyinto ruble ayizigidi ezingu-30.

Kuvele okufana ezithakazelisayo inikeza "Ekhaya Credit Bank". Uhlelo lokusebenza ubizwa ngokuthi "ngonyaka Kuyazuzisa nge ofeleba". Omunye izinzuzo yesibambiso kungabonakala isihloko. Izinga kuyinto 17,23% ngonyaka. Imigomo ukuhlinzekela umthamo wemvula. Isikhathi esincane yesivumelwano - ezingu-12.

Bank Idiphozithi Uhlelo "Thembela", "iklayenti Honorary" idonse ezinhle lenzalo (15.25%). Yini ezithakazelisayo mayelana lo mnikelo? IBhange akanikezanga ubonisa ukuthi kungenzeka ukuthi umthamo wemvula kanye zokuqaleka kwezimali ethemini yesivumelwano, okulingana ubuncane ezingu-12.

Kwemali Foreign ezifakwa kwamanye amabhange Russian

kwezimo ezifanele ukunikela amabhange amaningi Russian (imali, iphesenti eliphezulu). Moscow - kuba maphakathi Russia, hhayi e-United States, ngakho-ke kakhulu zenzalo lwemali angaphandle ezifakwa akusoze. Ukuhlaziya izibalo amabhange yasekhaya, thina awuboni isithombe kududuza: omunye eliphakeme zenzalo kwedola ezifakwa iqinile enkampanini yezimali "Thembela" futhi% 6,25 kuphela. Ngaphezu kwalokho, izakhiwo eziningana ukunikeza amakhasimende ukubeka imali ngo 6% ngonyaka ( "umholi MDM," "Standard Russian", "BIN-Bank"). Nezinye izinhlangano zezimali izimo zimbi nangokwengeziwe.

isiphetho

Yiqiniso, wonke umuntu ukuba enze i-idiphozi kufanele bathathe zonke izinqumo bebodwa, kodwa kufanele ulalele imibono kanye nochwepheshe. ochwepheshe lwezezimali bakholelwa ukuthi kungcono ukubeka imali lwemali kazwelonke, hhayi ngemali eliphezulu kakhulu izinga.

Kuphumelele wena Amaholo!