Kodi kopindulitsa ndalama akuluakulu kuti kupereka mabanki?

Ntchito yosungira ndi kuchulukitsa ndalama wakhala zofunika kwa pensioners. Kuteteza ndi kukula kwa ndalama - si mophweka mmene zilili panopo.

Koma ndi njira yoyenera kwa kusanthula maganizo wogwila pa njira wotchuka kwambiri ndi otchuka yosungira katundu - madipoziti banki - n'zotheka, Mulimonsemo, kulandira ndalama ang'ono ndi mlingo mwachilungamo mkulu wa kudalirika ndalama, popanda nzeru zapadera. Choncho, tiyeni tiwone, kodi zopereka opindulitsa pensioners, ndi chiwongola dzanja zopereka penshioni, ndipo ambiri komwe m'pofunika kutsatira kutsegula chuma?

Kodi kupeza zopereka pensioners?

Koma yaing'ono kulemba ndalama kudziŵa banki zoyenera ndi zofunika. Kupanga dipositi, chofunika zikalata:

- pasipoti kapena chikalata ena chizindikiritso;

- VAT ndi zikalata zina amafuna banki, ngati n'koyenera (asanapite ku banki, mndandanda bwino Mukalongosola pasadakhale);

- Certificate wa pensioner - ngati zakonzedwa kutsegula chopereka penshioni.

Mu zinthu, ngati penshioni adzakhala kunditumiza ku nkhani ina, muyenera kupereka mfundo zake. Otsala a ntchito otseguka gawo lophweka: chonse cha chigwirizano ndi kupanga ndalama mu ola n'komwe. amafuna wapadera wa opindulitsa madipoziti kwa pensioners Musapereke. Komanso, zilibe kanthu, ndi chifukwa pantchito yake. Ngati manja anu ali ndi satifiketi penshioni, banki alibe ufulu wokana kutsegula chuma, ngakhale penshioni si anatumizidwa ku m'badwo akale.

Kodi zinthu ndi anaperekapo?

Popeza ndalama anapuma simuli ena gulu osiyana makasitomala banki, kotero mtengo ndi losavuta madipoziti gombe, ndipo penshioni zapadera.

Asamasankhe kupereka yabwino kwambiri, makamaka chisamaliro chake ziperekedwe kwa muyezo zingapo:

1. The chiwongola dzanja ndi chizindikiro chifungulo cha chopereka chilichonse. Moona chopereka opindulitsa kuti akhale pamwamba pa mlingo wa kufufuma (2014 kufufuma anakwana 6.5%), ndi wamkulu adzakhala mlingo, mudzasankha kuti aganyali nazo. The ndalama kopindulitsa kwambiri akuluakulu simuli wokonzeka pa ziwawa chidwi. Izi ayenera kukumbukira pamene kutsegula gawo.

2. The osachepera kuchuluka kwa gawo. madipoziti penshioni zambiri zopangidwa kuchokera chikwi (ngakhale palinso madipoziti ndi pakhomo osachepera rubles zana).

3. Luso mtsukowo ndalama m'tsogolo ndipo zimakhudza chidwi ndi kuchuluka.

4. Monga accrued chidwi. Iwo akhoza m'gulu ndalama yanu kwathunthu ndi kuonjezera izo.

5. Kodi n'zotheka kuti mwina kutapa ndalama popanda kutseka msanga a gawo lapansi. Kwakukulu nthawi n'loonadi ake, chikhalidwe ichi ndi kukhala zofunika kwambiri.

6. Komanso pensioners zili zofunikira kwambiri kuti chopereka akhoza kuwataya mu chochitika cha imfa osachita ntchito zina. Mwamwayi, mabanki ndi zikupereka mwayi amenewa.

7. Luso chopereka kutambasuka (prolongation). chiwongola dzanja kuti titsimikize malingana momwe gawo pa nthawi yosintha zinthu.

Komanso chidwi ziperekedwe ndi banki yokha. Popeza zikuchitika a dongosolo banki mu dziko lathu, kudalira ndalama ngakhale mabungwe waukulu kusamala kwambiri: kulosera chimodzimodzi chimene banki likulowa mu pamaso pa owongolera, kuli kovuta. Opindulitsa madipoziti kwa pensioners angapezeke mu bungwe iliyonse chuma ayenera kuyang'ana pa zofunika zimene zimaperekedwa.

Chifukwa cha ichi, ngati inu mukufuna kuti mutsegule chopereka owonjezera pazipita kuti akhoza wowirikiza pulogalamu gawo inshuwalansi (mazana asanu zikwi), ndi bwino kutsatira mabanki angapo kugawa ndalama kapena funsani mmodzi wa mabanki boma.

Zopereka osiyana penshioni ku gawo la kumodzi?

Yokhala madipoziti amenewa amasiyana chokha chakuti kwa kalembera wa ulaliki penshioni khadi penshioni chofunika. Komanso, ambiri mabanki yopindulitsa zopereka pensioners saloledwa kutsegula yekha kwa makasitomala amene thumba lawo penshioni bungwe ili ndalama. Ngakhale zinthu yosavuta zopereka penshioni zingasiyane malinga ndi muyezo awiri:

- The chiwongola dzanja. madipoziti penshioni zambiri anatsegula ndi mlingo wapamwamba chidwi. Koma musaiwale kuti msika banki ndipo ali zopereka mwachizolowezi, mlingo umene kuposa penshioni ya.

- zinthu bata zokhudza kuthetsedwa oyambirira ya mgwirizano.

ndi zopereka zazikulu za mabanki mungapereke kwa pensioners chiyani?

The mitundu iwiri waukulu madipoziti penshioni ndi kufunika madipoziti ndi mawu. Woyamba zosavuta kutsegula kwa kupeza mosavuta ndi kuteteza ndalama penshioni, pamene yotsirizira zimathandiza kuteteza ndi kuwonjezera iwo.

Far aliyense banki ndi mankhwala wapadera kwa anthu achikulire adzapelekedwa. Kwenikweni, mankhwala amenewa ndi mabungwe akuluakulu okha kuti zikukangalika osauka ntchito ndi pensioners, kupereka zatsopano kwa iwo.

Ena zinthu pensioners gawo pafupifupi palibe zosiyana ndi zimene pa madipoziti wamba:

- kutsegula masiku osiyanasiyana monga mwezi umodzi mpaka zaka zisanu.

- Chodikanira akhoza kukhala aliyense, kuwonjezera, mabungwe ena angapereke multicurrency gawo.

- mitengo Chidwi osiyanasiyana monga atatu peresenti khumi, ndi kutengerapo awo makamaka ikuchitika pa mwezi.

- Ngati mgwirizano ndi kutsazikana oyambirira ndi zopereka penshioni atengedwa ndalama zonse, chidwi kudzayesedwa pamaziko a mlingo wa refinancing wa aone kuti pali banki.

Kodi mungathe kupeza ndalama kwambiri lipindulitsa pa akuluakulu?

1. Ndalama Bank ali kale mofunitsitsa kwambiri ntchito ndi anthu a zaka zopuma pantchito. zopereka Special kwa anthu ichi iwo, kumene, si nsembe, koma malingana ndi mawu a chopereka anapereka chiwongoladzanja chochuluka.

2. "Gazprombank" anapereka zopereka pa zinthu wapadera kwa makasitomala 'Gazfond ". Uwerenge pa kutsegula kwa rubles zana, ndi chiwongola dzanja ndi munthu pazipita asanu peresenti, ndi nthawi - kuchokera miyezi isanu ndi chaka chimodzi ndi theka.

3. Ulimi Bank ali chopereka wapadera "penshioni Plus". The osachepera kuchuluka kwa kulembetsa ndi 500 rubles, ndi mlingo - kuti 8.5%, mawu - kuchokera limodzi kwa zaka ziwiri. Choncho n'zotheka mwina kutapa ndalama, pokhala mlingo osachepera pakhomo 500 rubles. Iwo anawonjezera chopereka mu nkhani izo basi kuti amadzitengera.

4. zaphindu zopereka akuluakulu komanso amapezeka mu "EUROKOMMERZ" banki. Pakali pano, iye ali mmodzi wa mitengo apamwamba - 10,5% pa gawo "Malipiro penshioni" ndipo 10,25% pa gawo "ndalama penshioni". Tsegulani zopereka zimenezi kwa zaka imodzi ndi theka zaka zitatu, osachepera kuchuluka kwa kutseguka kwa rubles zikwi ziwiri. Komanso, mu madipoziti onse n'zotheka recharge. kusiyana awo okha Chrixitu ndi wachiwiri chikuyembekezeka capitalization chidwi, ndiko kuti, kuwonjezeka mu kuchuluka gawo ndi kuwonjezerako chidwi.

5. Kuphatikiza, mkulu-pamtengo ndi monyadira "Yunikornbank" - 10%, pakhomo osachepera ukutsegulira - ndi rubles zikwi, gawo akuti - chaka chimodzi, ndi tsankho achire si anapereka.

Kuwonjezera pa pamwamba zopereka penshioni lingapereke mabanki ena ambiri.

Pomaliza

madipoziti penshioni ndi njira angakwanitse kupulumutsa, ndiponso kuchuluka waung'ono ndalama mu akuti yochepa kapena yaitali. Lero, zosiyanasiyana mabanki angathe kupereka zopereka nyengo pensioners. Fufuzani ndi kufanizitsa kwa bids imeneyi ndi zoyenerera. Ngakhale chiwongola dzanja chibwenzi ndipo sali kwambiri, koma kupeza kupereka imene mlingo adzakhala apamwamba kufufuma, sikovuta, ngakhale yaikulu mabanki boma akumeneko.