Ngayiphi ibhange inzalo esiphezulu ku ezifakwa? Umkhawulo iphesenti umnikelo ebhange

Yeka indlela kusitoreji cash ethandwa kakhulu? Impendulo ngempela prosaic: kuvulwa i-akhawunti idiphozi ebhange. Akusiyo imfihlo ukuthi abantu abaningi bafuna ukuthola isithakazelo esiphezulu ku imali. Into esemqoka - hhayi kuphela ukugcina imali. Kungaba kuhle futhi ukuba azale ande etholakalayo.

Yiziphi izinhlobo ezifakwa khona

Ngo ezihlukahlukene imikhiqizo yasebhange kungenziwa udidekile kalula. Phela, namuhla kukhona izinhlobo eziningi kakhulu imali. Ngamunye wabo uhlukile ngezindlela eziningi:

• imigomo yesivumelwano;
• Izinga lenzalo yemali mboleko,
• kungenzeka ukususwa ngokwengxenye nokusebenzisa izimali;
• khona ofeleba nyangazonke;
• okomnikelo lwemali;
• kungenzeka ukuvalwa yokuqala.

Zonke iminikelo zihlukaniswe izinhlobo ezinkulu eziningana, okuyinto umzuzile ngokuya ithandwa.

• Rouble. Ifomu enembile kakhulu idiphozi.
• Lwemali akhawunti.
• idiphozi metal Depersonalized. Indlela okuyingozi kakhulu inzuzo.

Umkhawulo yasebhange inzalo ezifakwa icala kuma-akhawunti ivulekile esikhathini eside.

idiphozi metal Depersonalized

Akuwona wonke amabhange asebenza nge izinsimbi eziyigugu. Hegemon kule ndawo ubhekwa Sberbank, okuyinto iphakamisa ukubeka izimali ku bullion igolide. Inzuzo incike izinga igolide emakethe emhlabeni. Le ndlela iyona okuyingozi kakhulu, njengoba ungakwazi noma uthole inzuzo enhle, noma ukulahlekelwa imali. Umthelela enkulu kuba yipumelelo lokha ukubeka imali eside.

akhawunti Kwemali Foreign

Against isizinda kuzuba lwemali ukwazisa abaningi banesithakazelo lo mbuzo: "Yiziphi zenzalo yokuzigcina esisemanzini currency angaphandle amanothi," amabhange Iningi ezingamaKristu ziyakujabulela ukuzinikela amakhasimende ukuvula i-akhawunti kuba lwemali. Amaphesenti esiphezulu izimali zakwamanye amazwe ezifakwa ingeqi 3% ngonyaka. Kuyaphawuleka ukuthi Sberbank, ngokungafani abanye, ayikunikezi accrual kwezinhloso zenzuzo. Income ibalwa exchange rate. Kubalulekile ukukhumbula ukuthi intengo ukudayiswa kanye ukuthengwa lwemali imali ebhange awafani. Ngenxa kangcono ukuvula i-akhawunti esikhathini eside. ungathola isithakazelo esiphezulu ku imali, ukuvula i-akhawunti multicurrency. Imali kuleli cala qinani ngenani. Okusho ukuthi, akukho ukuncika exchange rate.

ruble ezifakwa

Mhlawumbe owande kakhulu umnikelo. Esinye nesinye isakhamuzi Russia ngandlela-thile uzithela kubo. Izinga eliphansi kakhulu ku idiphozi "ngokufunwa". Qaphela ukuthi kule izinga izobalwa engenayo uma ukuvalwa yokuqala izinhlobo asele yama-akhawunti.

Lezi bazabela zihlukaniswe izinhlobo ezahlukene:

• ubukhulu yokukhokha phansi;
• kungenzeka ubuyise akhawunti abo ngesikhathi;
• kungenzeka ukususwa olungaphelele inzalo enqwabelene;
• ethemini yesivumelwano;
• ukutholakala nosonhlamvukazi.

Okuzuzisa kakhulu ruble ezifakwa ngenzalo. amazinga Maximum unikeze inzuzo enkulu.

Yikuphi ibhange ukukhetha

Kukhethwa nzima kakhulu - ukukhetha uhlobo olufanele idiphozi ebhange ephephile. Namuhla kukhona ezahlukene izikhungo zezimali, okuyinto ukuheha izimali zomphakathi. Iningi lazo zinengxenye umshwalense idiphozi. Inikeza emuva isiqinisekiso izimali ezimeni force majeure. Umnikelo esiphezulu ngeke sidlule ama-ruble ayizigidi 700.

Le imali ulethembe ezingaphezu kuka amabhange amakhulu. Nakuba izikhungo ezincane zangasese banikeza iphesenti esiphezulu idiphozi ebhange. Ake sibheke le misebenzi nenzuzo kakhulu.

Sibutsetelo amabhange

1. Sberbank ukulungele ukuthatha abantu imali, hhayi kuphela e-ruble. Kukhona lwemali nensimbi akhawunti. Ngezinye efanayo imali isikhathi zakwamanye ububanzi ubanzi kakhulu. Bank ihlanganisa zonke izingxenye zomphakathi, enika ngamunye ukukhetha idiphozi kuye ngezidingo zabo. Nakuba amazinga akuzona njengoba okusezingeni eliphezulu, kodwa kukhona kungenzeka ukukhetha elilungile kakhulu okufana nama-akhawunti.

2. VTB24 ihambisana Sberbank. Imigomo nemibandela yesivumelwano cishe okufanayo. Nokho, izimali zakwamanye amazwe ama-akhawunti amazinga ziphakeme. Njalo ikhasimende uzothola uhlobo olufanele idiphozi.

3. Gazprombank akusho ukukhetha eziningi kangaka okudingeka imikhiqizo babe. 6 kuphela izinhlobo imali, kodwa zenzalo kubo lisetudlwana kunaleyo izikhungo ezibalwe ngenhla. Amaphesenti esiphezulu imali kuyinto 7.

4. Agricultural Bank ephoqelela izimiso elawula esengeziwe ukuvula i-akhawunti. Inzuzo ibalwa kuphela ekupheleni nenkathi yenkontileka, ayikho indlela ubuyise. Nakuba amanani siphakeme kakhulu kunalokhu uma siqhathanisa nabanye amabhange kahulumeni. Zingase ukufinyelela 10.2%.

5. "Bank of Moscow" akuyona igcwele ezihlukahlukene iminikelo, kodwa uqhosha indlela nezimo kumakhasimende. Kuyaphawuleka ukuthi i-akhawunti kusiza labo babe semali.

6. "Russian Standard", ngenxa iziphakamiso zayo ngemuva Sberbank futhi VTB24. I depositor izofaka khona imali lapha ezokwenza ukwanelisa ekufunayo. Amaphesenti esiphezulu imali kuyinto 10-12. Nokho, akukho ofeleba, nemibandela enzima kwikhasimende.

7. "Ekhaya Credit" futhi ekwazi ukuthatha indawo yayo kule simo amabhange anikeza okusezingeni eliphezulu isivuno uma utshala imali. Isikhathi sokuba isiphelo sesimiso inkontileka - okungenani ngonyaka. Kukhona kungenzeka ofeleba, ukuhoxiswa esinqunyiwe kanye umthamo wemvula. IBhange ilungele abantu abaningi. Izinga ongafinyelela 12 per cent ngonyaka.

Indlela ukukhetha idiphozi

Lapho ekhetha idiphozi kumelwe uhlole ngokucophelela zonke izimo accrual engenayo. Ngokwesibonelo, ezimbili ezifanayo nemigomo amazinga izikweletu nenzuzo kakhulu nguye ohlinzekela ofeleba nyangazonke. Yimali - iyona accrual kwezinhloso zenzuzo hhayi kuphela kokuqala deposit lemali. Kulokhu, Imali icala inzalo ekhokhiwe futhi ngaphezu kwalokho imali izimali. Lokhu kuzuzisa kakhulu kuwo wonke amakhasimende.

Ukuze kube lula amakhasimende, amabhange amaningi aye abeka zonke iziphakamiso kumawebhusayithi lapho ungeke kuphela bajwayelane izimo, kodwa futhi cishe abale idiphozi nenzuzo. Imali nge umthamo wemvula efanelekayo kulabo sinqume ukuvula i-akhawunti isikhathi esifushane. Lokhu ezifiselekayo ofeleba kwezinhloso zenzuzo. I kaningi kwenzeka ofeleba, ngcono ikhasimende. Uma kukhethwa senziwa, kufanele axhumane ngokushesha ne-sikhungo, njengoba ibhange ngokubona ukuchibiyela imigomo. Nokho, ukuphothula isivumelwano engamboziwe.

Kuze kube manje, izimo zakudala idiphozi kukhona nenzuzo kakhulu. Izimo ezinjalo zihlanganisa izinga elikhulu ngaphandle kokuba nokwenzeka replenishment kanye zokuqaleka. Kulokhu, iklayenti idinga bayakhohlwa kukuthenga inkathi yangaphambi bavumelana.

izimo Good for kokuvula i-akhawunti atholakala phakathi isitokwe yangezinkathi ezithile, okuyinto abaningi muva nje. La masheya aphethwe phambi ngamaholide. iminikelo enjalo ezimweni eziningi, yesikhathi esifushane. Inani nenkathi yenkontileka ingeqi iminyaka emithathu.

izingozi

Banking isikhungo kuthonywa umnotho iyonke. Futhi abatshali bezimali abaningi bakhathazekile ngentuthuko yakamuva kule nsimu. Ibhange emaphakathi waqala ukubuyekeza okukhulu kwazo zonke izinhlangano eziqinisekiswe i-Idiphozithi Insurance Agency. Uma leli phepha ukuze bangabhekani ibhange kungaqali, ke ngokushesha ibhange central ehoxa ilayisensi. Izimali ayegcinwe ebhange, kodwa abanikazi ukubuyela, kodwa ngeke kuthathe isikhathi.

Ukuze ugweme lokhu, kufanele uhlole ngokucophelela wonke amadokhumenti ebhange, noma ubonane nommeli. Ngaphezu kwalokho, akufanele sivumele ukunqotshwa umuzwa wokuqala ukuvula i-akhawunti iphesenti eliphezulu. Okubalulekile: a amabhange esitebeleni nokunokwethenjelwa awanikeli isithakazelo eqolo ku idiphozi.