Izinhlobo ze-deposit: indlela yokuzisebenzisa kahle

Enye ye-classics nayo yonke indlela oyintandokazi yokugcina imali yakho yokugcina imali yi-deposit yasebhange. Naphezu kwenzuzo ephansi kakhulu, le nketho ikhethwa kaningi kunalokho, ukuthi, ukutshala izimali ebhizinisini noma ukuhweba ngokuthengelana kwezimpahla. Amabhange ezentengiselwano manje akhangisa izipesheli ezihlukahlukene, ezibizwa ngokuhle, "ukupakisha" inkontileka evamile esezingeni eliphezulu elikhangayo.

Ukuze uqonde ukuthi yini ngempela isiphakamiso esihle futhi esinenzuzo, futhi lokho kubonakala sengathi kuyindlela ezuzisayo futhi enenzuzo, ake sicabangele ukuthi yiziphi izinhlobo zokufaka imali manje emakethe yemisebenzi yezezimali.

Izinhlobo eziyinhloko zokufaka imali, izici zazo kanye nezimo

Ngokusho kwesikhathi sekhontrakthi, idiphozi yasebhange ihlukaniswe ibe yiphuthumayo futhi engenamkhawulo. Esikhathini sokuqala, iklayenti inika isikhungo sezimali ilungelo lokusebenzisa izimali zayo esikhathini esithile - kusukela ezinyangeni ezintathu kuya eminyakeni engu-2-3. Ngokuvamile, isikhathi eside sesenzo se-deposit, isilinganiso senzalo kuso. Izinhlobo ze-"on demand" zokufaka imali zikulungele ukuthi ungakwazi ukuhoxisa imali edingekayo nganoma yisiphi isikhathi noma ukuhoxisa idiphozi ngokuphelele, kodwa imali engenayo evela kuyo incane. Ngaphezu kwalokho, ukukhokhiswa kwamasevisi asebhange ngezinye izikhathi kuyanciphisa cishe cishe. Iyindlela yokugcina imali kuze kube yisikhathi esifanele, ngaphandle kokukhathazeka ngokuthi iyiphi imali engaba.

Kukhona futhi idiphozi ngesimo somugqa wediphozi, ongagcwaliswa nganoma yisiphi isikhathi, ngenani elilinganiselwe noma elingenamkhawulo. Izinhlobo ezinjalo zokufaka imali zivame ukubizwa ngokuthi "Kopilkas" futhi zifana namagama okuqukethwe, ngoba ngale ndlela kulula ukwenza imali yokuthenga enkulu noma nje ngekusasa.

Izinhlobo ezahlukene zemali egcinwe ebhange kanye nemali eyamukelekayo. Amanye amabhange, ngokwesibonelo, i-Sberbank, izinhlobo ze-deposits cishe zonke zinikezwa ngezimali ezihlukene, futhi kukhona nezinkokhelo zemali eziningi. Kuncike ekukhethweni kwakho kuyahluka futhi izinga lesithakazelo - imali ethembeke kakhulu futhi ezinzile, ephansi.

Mayelana nokukhokhwa kwezintshisekelo, kunezinketho ezikhona: ukukhokha ngenyanga noma ekupheleni kwenkontileka, noma imali enkulu (ngaphezu kwesamba esiyinhloko sediphozi) njalo ngenyanga noma kwikota. Kuyinto elula, uma kukhona ithuba lokukhetha, noma ukubika isithakazelo ngokwayo ngebhange le-intanethi. Inkonzo enjalo inikezwa ngamabhange amaningi aseRussia ahamba phambili.

Lokhu cishe zonke izinhlobo ze-classic zokufaka imali, ukuhlanganiswa kwazo kanye nokuhlukahluka kwakha ulwandle lonke lwezipesheli ezivela ezikhungweni zezezimali. Imali engenayo ephezulu ngokwemvelo evela kwidiphozi ingaqhathaniswa nezinga lezingozi kumthengi: ukuphakama kwenani lokutshalwa kwezimali kanye nenqunywe yesivumelwano, izinga eliphezulu. Ukwandisa amathuba okuzuza njengokwenza imali nokubuyisela kabusha i-akhawunti.

Kunezinhlinzeko ezikhethekile ezivela ezikhungweni zezezimali. Lezi zibizwa ngokuthi i-indexed deposits, inzuzo ehlanganiswe nento ethile, isibonelo, intengo yamatshe ayigugu noma amafutha, isibonakaliso semakethe yezimakethe, njll. Sebevele bangabesigaba sokutshalwa kwezimali, futhi babe nezinto zabo ezikhethekile kanye nama-nuances.

Kubalulekile ukukhumbula

Uma ukhetha uhlobo lokufaka idiphozi, udinga ukunaka hhayi kuphela kwezimo, kodwa nakwezinye izinkokhelo, izinkokhelo nezinhlawulo ezengeziwe. Izinhlobo ezehlukene zediphozi zinemibala yazo kanye nezici zazo. Isibonelo, uma inkontileka inqanyuliwe ngaphambi kwesikhathi, kungase kube nokuhlelwa kabusha kwesithakazelo kuyo yonke isikhathi sokusebenza kwayo, futhi ukushaja i-akhawunti, ukuhoxisa inzalo nezinye izinsizakalo zebhange, zingakhokhisa imali ehlukile. Kumele futhi kuqaphele ukuthi lezo zimali kuphela ezikhokhelwa inshuwalense, inani elingadluli ama-ruble angu-700,000.