Lapho ukubeka imali yakho ngenzalo ebhange?

Umbuzo inzuzo ngezimali lwemali njalo ebaluleke. Ukubuthelela ukonga siqu kusiza ukuzizwa nethemba ngekusasa. It uhlala kuphela ukukhetha njengoba oholela kangcono futhi ephephile ukubeka imali ngenzalo ebhange, kuyilapho nawe ungalushayi ukukhathazeka mayelana nokuphepha kwabo.

Ukukhetha umlingani onokwethenjelwa

Abatshali bemali ukwenza imali egcinwe kwi idiphozi bakhe, alethe okungenani ngemali encane ayeyithola kodwa engaguquki. Lo mbuzo, yebo, impikiswano, ngoba konke kuncike lemali idiphozi. Kubaluleke ngokufanayo ukuvikela imali yabo kusukela kwamandla emali. Kungenxa yalezi zizathu nigqoke imali yakho ngenzalo ebhange. izikhungo ezahlukene zezimali ukunikela uhla ezinonileyo imikhiqizo idiphozi. Usesho lwakho kumele kuqale kuphela owaziwa futhi ube nedumela elikhulu kwamabhange. Kungaba ubuwula ukwethemba isizumbulu semali sikhungo elalisanda kumiswa namanje akusho ukuzibonakalisa emkhakheni wezimali, ukunqoba nokwethenjwa ngamakhasimende abo kalula.

Hlola ubuqotho nokusebenza nzile ibhange kungaba kuzibuyekezo emabhange yayo. Ngokwesibonelo, isikhathi eside kakhulu uye phambili tekwetsenjwa no- kuzimisela kwabo ukubeka imali ngenzalo, Sberbank, uma ukhuluma nayo ngokuzibulala eziningi okubuyayo ezivela kumakhasimende.

Kukhethwa kuqala

Ukuzinza - muhle, kepha inzuzo - kungenye indaba. Akuhlali ukuthi le miqondo emibili zibalulwe ezihlanganiswe umnikelo eyodwa ebhange ethile.

Uma umgomo ozibekele wona - ukuze uthole imali enhle, ungafaka imali yakho ngenzalo ebhange, ebanjwe phezulu amazinga amabili ukuzinza. Lokhu kuyingozi ifanelekile, ngobe Sberbank izwe libanzi inxa zombili phambi, kukhona inala nezinye izinhlangano zezimali ukuthi singamethemba izimali zabo zanqwabelana.

Iminikelo isibonelo amanye amabhange

Idatha elandelayo kungaba njalo siguqula, kodwa kuphela ngemali encane kumakhulukhulu iphesenti. Thola umqondo jikelele indlela engcono ukubeka imali yakho ngenzalo ebhange, kuba impela yangempela. Ngokwesibonelo, uma umnikelo eziyizinkulungwane eziyikhulu kungaba 4,75% ngonyaka we Savings Bank. Uma kungenzeka ukuhlehlisa eziyizigidi ezintathu futhi ningathinti imali, ebhange uzimisele ukushaja okuningi njengoba 6.75% ngonyaka, futhi lena imali enhle. Kufika amaphesenti ayishumi ngonyaka zilungele ukushaja "Raiffeisen Bank" futhi "Alfa-Bank" ngempumelelo umsebenzi wabo ibhizinisi yasebhange iminyaka eminingi futhi babe nedumela lihle.

Isinqumo kuyoba ngamanye depositor ngamunye. Uma une ithuba ukubeka imali ngenzalo ebhange, kudingeka benze isinqumo noma maqondana letihola kancane nobe okunokwethenjelwa ukulondolozwa izimali. Ziningi izinhlobo imali - ne umthamo wemvula futhi ngaphandle eside futhi esifushane. Konke kuzoncika inhloso kanye nenani idiphozi. Kubalulekile futhi ukuqapha lakala ezahlukene kanye nentshisekelo imikhiqizo amabhange ku imali. Ngokwesibonelo, ezinye izikhungo zama sokukhulisa iphesenti ngesikhathi samaholide noma ukuheha amakhasimende ayo nezinye izinhlinzeko ezinkulu.