Chopereka chabwino ku banki yabwino ku Moscow

Chopereka chabwino ku banki yabwino: ndi bungwe liti la ndalama limene mungasankhe kuti mupange ndalama zambiri pa mapulogalamu ake? Ndipotu, mothandizidwa ndi ndalama, tsogolo limayikidwa. Pali mitundu yochuluka ya ndalama zomwe sizingatheke kunena zonse za iwo m'nkhani imodzi. Tidzakambirana za ndalama zoterezi monga ndalama.

Zomwe zimapangitsa kuti ndalama ziwonjezeke

Kwa nthawi yaitali, nzika zinkawona zopereka monga njira imodzi yosungira ndalama. Koma monga njira yowonjezera likulu lawo, iwo sakuzindikira ndi aliyense. Tiyenera kuganizira kuti si zonse zomwe zimapindulitsa. Kuti mupereke ndalama kuti mubweretse ndalama, muyenera kupeza phindu lopindulitsa. Choncho, timaphunzira ndikusankha zabwino kwambiri m'mabanki a Moscow.

1. Phindu la ndalama za banki lidzadalira ndalama zoyambazo. Zowonjezera ndalamazo - makamaka zokolola.
2. Kuti mutenge chidwi chokwanira, mungathe kuchoka posankha nthawi yaitali. Koma pazifukwa zotero, monga lamulo, palibe kuthekera kobwezera ndalama.
3. Nthawi yokhala ndi chiwongoladzanja choposa chiwongoladzanja kuposa ndalama zomwe mukufuna. Mwachitsanzo, m'mabanki ena a Moscow, "Kufunsira" ndalama zimakhala ndi chiwerengero cha 0.01%, ndipo mawu akuti "Discovery" amatanthauza 11%.
4. Ngati ndalama ziwiri zili ndi chiwongoladzanja chokha, chiwerengerocho chimawonjezeredwa ndi chiwongoladzanja, ndiko kuti, mwezi uliwonse, chiwonjezeredwa ku chigawo choyamba, chiwongoladzanja chimawonjezeredwa ku chikhomo choyamba, ndipo mwezi wotsatira, chidwi chimawonjezeredwa kuwonjezeka konseko.
5. Zomwe zimakhala bwino m'mabanki - ndizotheka kubwezeretsanso pansi pa mgwirizano.

Nthawi zonse mungapeze zinthu zabwino zokhala ndi ndalama mu bungwe la zachuma, pogwiritsa ntchito magawo olembedwa.

Kotero, ife tikuyimira mabanki abwino kwambiri a ma depositi a anthu. Kodi iwo amatipatsa ife chiyani?

"Tinkoff Bank" - kuyang'ana kwamakono pazinthu zamakono zamabanki

Akatswiri ambiri a zachuma amanena za mankhwalawa "Tinkoff Bank" (kapena amatchedwanso "Tinkoff Credit Systems"), monga otchuka komanso otchuka kwambiri. Bankiyo ndi yodabwitsa, chifukwa ilibe ma ATM, maofesi ambiri (pali ofesi imodzi ya Moscow yomwe imapatsidwa ntchito), imagwira ntchito komanso imapereka chithandizo kudzera pa intaneti. Komabe, izi sizinalepheretse Banki ya Banki kuti isatenge malo otsogolera mu ndalama: malo achiwiri pamsika wa makadi a ngongole, 25 ku Moscow chifukwa cha ndalama za anthu achibadwidwe, malo a makumi awiri ndi makumi awiri. Kodi "pluses" yotani Tinkoff Bank imatipatsa ife?

• Kodi mukufuna kupereka ndalama zabwino ku banki yabwino kwambiri? Mudzapatsidwa Visa kapena Master Card khadi la debit kwaulere.
• Khadi la debit yomwe imakhala ndi ndalama zowonjezera mwezi uliwonse ingapezeke kwaulere ngakhale popanda kutsegula chikhomo, ndikwanira kungosiya ntchito pa sitepa, ndipo wogwira ntchito ku banki adzabweretsa khadi ku adiresi yomwe yanenedwayo.
• "Tinkoff Bank" ilibe ATM yawo, yomwe imakhala yosasokoneza: ndalama - kuchokera ku rubles zikwi zitatu kapena kuchokera ku madola 100 kapena euro angachotsedwe ku banki iliyonse ndi ATM popanda ntchito.

"Russian Standard Bank" - chiwerengero chachikulu mu banki yodalirika

Banki ndi yodalirika komanso yodalirika, ili ndi nthambi 170. Kumayambiriro kwa chaka cha 2016, "Standard Standard" ya Russia inatenga malo okwana 15 pa chiwerengero cha anthu a ku Russia pazokha za anthu.

Chopereka chabwino ku mabanki ndi "Kupindulitsa MIX". Mphatsoyo ndi yapadera kwambiri:

• 14% pachaka pokhazikitsa mgwirizano mu nthambi za banki;
• 14.5% ngati mutsegula chikhomo pa intaneti;
• Malipiro - malipiro atatu, ndalama zimasamutsidwa ku akaunti yosiyana;
• Kuchuluka kwa chiwongoladzanja;
• Malo ogulitsira otsegulidwa kwa chaka chimodzi;
• Palibe kubwezeretsedwa kapena kuchotsedwa kwapadera;
• Ndalama zochepetsera ndalamazo ndi 30,000 rubles.

Kuchotsa ndalama kuchokera ku Ugra Bank

Banki inatsegulidwa mu 1990. Kwa zaka 25 wakhala akupereka makasitomala ake ndalama zopindulitsa za ndalama kuti asunge ndalama. Mu Januwale 2016, Yugra anali mbali ya Russia TOP-20 ponena za ndalama za munthu aliyense. Ali ndi intaneti ya nthambi yaikulu. Maofesi a banki a banki ali m'midzi 50 ya ku Russia, ofesi yaikulu ndi ku Megion m'chigawo cha Tyumen.

Chopereka chabwino ku banki yabwino "Yugra" ndi "Multicurrency basket".
Chogulitsa ichi chagulitsidwa kuti chikhale chikhalidwe cha nzika zomwe zimayang'ana kusinthanitsa ndalama ndipo zimasintha kusintha kwa mgwirizano (wotchedwa kutembenuka) panthawi yonseyi. Kutembenuka kwa banki payekha. Chikhocho chimatsegulidwa kwa mawu osiyana. Ndalama zosachepera ndi 10 000 рос. Rubles, $ 150. USA, 150 euro. Palibe kuchoka msanga. Chidwi chimaperekedwa pamapeto.
Mtengo waukulu:

• 10% pa dipolo la ruble;
• 3.3% pothandizira ndalama
• 2,6% - euro.

"Rosgosstrakh Bank" - malipiro a banki kuphatikiza inshuwalansi ya moyo

Iyo inakhazikitsidwa mu 1994. Banki yaikulu yomwe imagulitsa misonkhano yonse. Mu 2016, analowa mu TOP-50 mwa mabanki abwino ku Russia pa vekitale yogulitsira malonda, ali pa 44 pomwe alipira ngongole, pa malo makumi asanu ndi limodzi (45) pa ndalama za munthu aliyense. Ali ndi makanema aakulu a nthambi m'madera oposa 150 ku Russia.

Pa malo oyamba otchuka mu "RGS" ndiwopereka kwa "Inshuwalansi", yomwe imangotengera inshuwalansi ya moyo ndi thanzi la wogula.

• Amaperekedwa kwa chaka chimodzi ndi ndalama zosachepera 100,000. Rubles.
• Mtengo ndi 11.75% ya inshuwalansi ya moyo kwa zaka zisanu, 11.50% pa mgwirizano wa inshuwalansi kwa zaka zitatu.
• Palibe kubwezeretsedwa kapena kubweza ndalama pang'ono.
• Palibe zowonjezereka mu njira yokhayokha yadipatimentiyi.
• Pa kulembetsa, n'zotheka kupanga ufulu wakudzisankhira kapena mphamvu ya woweruza milandu.

Alfa-Bank ndilo banki yachiwiri yaikulu kwambiri

Amapereka ndalama zokwanira 7, zomwe zili ndi ubwino uliwonse. Poyamba, zopereka zabwino ku banki yabwino ndi Kupambana.

• Ndi ndalama zosachepera zadenti ya rubles zikwi khumi, $ 500 kapena US $ 500.
• Kwa zaka 3 mpaka 3.
• Mtengo wapamwamba kwambiri ndi 11.27% mu rubles, wokhala ndi madola 3 miliyoni. Ndipo mawu akuti capitalization ndi zaka zitatu.
• Ndili ndi ndalama za rubles 250,000. Mlingo wa nthawi yomweyo udzakhala 10.55%.
• Mu madola a US, chiŵerengero chapamwamba chidzakhala 3.14% kwa zaka zitatu.
• Mtengo mu euro ndi 2.59%, ndi ndalama. Kwa zaka zitatu.

Bank deposit imatsimikizira kukhala bata

Tinayang'ana mabungwe ochepa chabe azachuma omwe ali ndi ndalama zabwino kwambiri zogulitsa.

Kwa nzika zambiri, kukhazikika ndi chitukuko zimaperekedwa ndi zopereka kwa mabanki. Chidwi chofunika kwambiri, chithunzithunzi kapena kukula kosasunthika kwa ndalama mu chipinda chokhazikika ndi chiwerengero chachikulu - aliyense amasankha zofuna zawo. Ndipo pali zambiri zomwe mungasankhe. Chaka chilichonse, mabanki akukambirana zinthu zosangalatsa.

Posankha zoyenera za dipatimentiyo, muyenera kukumbukira za mitengo ya banki iliyonse kwa ogwiritsa ntchito komanso makasitomala. Ngati muli ndi khadi la malipiro, mungathe kuwerengera bonasi mwa mawonekedwe apamwamba kapena othandizira.