Izimali, Izimali zomuntu
Ubuyise ezifakwa "Ukulondoloza" - akude piggy bank
Omunye amadili best kulabo abafisa ukuthola imali yekwentiwa kanye ukulondoloza imali yabo izinhlangano ezifana "Savings Bank", - okomnikelo yafakwa. Lokhu idiphozi zonke singatholwa yinoma ubani, ngoba kungaba livulwe ngencane njenge- akhawunti. Kwanele ukuqala ruble 1000, futhi kungenzeka ukuze uthumele isamba esengeziwe njalo, kanye ukuthola inzalo enqwabelene ku imali yabo.
Amakhasimende nethuba ukhethe ofeleba kwezinhloso zenzuzo noma ukuthatha nabo ngqo ku-akhawunti yakho. Igama elithi kungenzeka sakugcina - 3 izinyanga, kodwa umnikelo agcwaliswa ka "Savings Bank" zingafakwa engu-3. Iyoba isixazululo ukhululekile ekuqongeleleni lemali edingekayo ngosuku oluthile.
izimo imali yokutshala idiphozi
Ubuyise ezifakwa , "Savings Bank" hhayi kuphela ukugcina imali yakho iphephile kuwe njengoba bezithanda bona, yebo, kusukela abahlaseli, kodwa futhi ukuthola imali engenayo kulokho ushiya nabo isikhathi esithile e ebhange.
Inani inani lenzalo ngesikhathi esifanayo kuxhomeke ezicini eziningana: uhlobo lwemali akhethiwe kwinani kanye isikhathi obeka idiphozi. Ngo zamadola euro ingatholakala 0,4-2,05% ukukhula ngonyaka, futhi ruble - kusuka 4.6 kuya 7,28% ngonyaka. Ukuhambisana ne zenzalo in ruble value, kanye nesikhathi idiphozi kunikezwa ethebuleni.
| idiphozi Inani | term idiphozi | ||||
| izinyanga 3-6. | izinyanga 6-12. | iminyaka 1-2 | ngonyaka 2-3 | iminyaka engu-3 | |
| ruble kusuka 1000 kuya kwezingu-100. | 4.6 | 5.15 | 5.5 | 5.75 | 6.0 |
| kusukela ayizinkulungwane 100. kuze kube-400 eziyinkulungwane. deda. | 4.8 | 5.25 | 5.6 | 5,85 | 6.1 |
| kusukela ayizinkulungwane 400. kuze kube-700 eziyinkulungwane. deda. | 4.95 | 5.4 | 5.7 | 6.0 | 6,25 |
| kusukela ayizinkulungwane 700. 2 mln. ukukuthinta. | 5.1 | 5,55 | 5.9 | 6.15 | 6.4 |
| ezingaphezu kuka-2 million. ruble | 5.3 | 5.75 | 6.1 | 6.35 | 6.6 |
Kuyinto kudingekile kuphela ukukhumbula ukuthi agcwaliswa okomnikelo "Savings Bank" ukukhula unomphela ne inzuzo efanayo abakwazi. Umkhawulo aphindwa izikhathi eziyishumi ubukhulu lokuqala eyaphuma ngalo, owabekwa ngesikhathi kuvulwa i-akhawunti idiphozi. Ngemva kwalokho, inani lenzalo ngeke ngokuzenzakalelayo zingancishiswa ezingeni "ngokufunwa" umnikelo, ie kuze kufike ku 0.1% ngonyaka. Kubaluleke kangakanani ukulandela indlela nenani embundwini futhi ukuvimbela ukwehla inzuzo imali yakho.
It lula futhi sithuthukisa ukuphila kwezinkulungwane zimali Inthanethi?
Ubuyise imali, "Savings Bank" futhi angavulwa usebenzisa ikhompyutha futhi ukufinyelela kwenethiwekhi, noma kunalokho ngokusebenzisa "Sberbank Online" - a system of amasevisi ebhenki akude. Ngale ndlela ngokufakwa sizonikeza engenayo kuya 0.15% ephakeme kunaleyo kuvulwa idiphozi olujwayelekile ukuvakashelwa siqu ebhange. Yebo, futhi inqubo wayenemfuyo uzobe zibonwa ngaphansi kokulawulwa evumela intanethi yebhange.
Enye ibhonasi for abanikeli inthanethi kuyoba ithuba ubuyise idiphozi yabo yisiphi isamba ngaphandle kwemingcele, okungenani-ke ukuze ungeze ekhawunteni - ruble 1000. ekulandiseni yena inqubo yokwedlulisela umnikelo kuthatha imizuzwana, futhi kungenziwa nganoma yisiphi isikhathi esikahle. Lezi zonke izinzuzo evulekile ngokusebenzisa 'Online Google "idiphozi" Ashona ". Imigomo idiphozi kuyinto elula kakhulu ngaphezu idiphozi ejwayelekile.
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