Mabungwe ku Ukraine: ma deposits (deposits)

Gawo lakutembenuza ma banki ndili bwino kwambiri ku Ukraine. Amayimilidwa ndi bungwe lalikulu la mabungwe azachuma. Pa msika pali mabungwe ang'onoang'ono apadera ndi mabomba akuluakulu a banki.

Ndondomeko ya zachuma yomwe amachitira m'dzikoli imakhudzidwa ndi zinthu zambiri: chitukuko cha msika, mlingo wa kasitomala, zochitika zachuma m'dziko, malamulo a National Bank of Ukraine (NBU) ndipo, ndithudi, ndale yandale.

Ndiye tidzakambirana za ndalama zomwe amapereka, zomwe mabanki osiyanasiyana amapanga ku Ukraine.

Maofesi - njira yosungira ndalama

Ngakhale kuti mabanki amapereka chiwongola dzanja chokwanira kwambiri , mabungwe sapereka ndalama, salola kuti azipeza ndalama. Mkhalidwe wolemera wa zachuma, womwe ukuwonetseredwa ndi kukula kwa kutsika kwa chuma ndi kuchepa kwa ndalama za dziko, kumawononga anthu wamba.

Ngakhale mphotho ya 20% pachaka sikukulolani kupeza ndalama zenizeni, zomwe zingakhudze ubwino wa chithandizo. Choncho, ndalama zoterezi mu mabanki a ku Ukraine zimatchedwa njira yosungira mtengo wa ndalama. Ndipotu, zimakuthandizani kuti muzisunga ndalama kuchokera ku zotsatira za kutsika kwa mitengo komanso zinthu zina zoipa.

Malo ogulitsira omwe alipo kwa anthu payekha

Monga tanenera kale, mabanki a ku Ukraine, amene ndalama zawo zidzakambidwe pansipa, ali ndi kukula kwake. Izi zimakhudzanso malingaliro awo a ndalama. Mwachitsanzo, mabungwe ang'onoang'ono a zachuma amakhudzidwa ndi kukopa ndalama zochuluka momwe angathere ndipo amatha kulipira poika chiwerengero chachikulu choposa mabanki.

Padakali pano, ndalama zamayiko osiyanasiyana zimakhala ndi mbiri komanso zodalirika, zomwe zimapatsa makasitomala awo ndalama zochepa.

Mabungwe a Ukraine, amene ndalama zawo zimakhala zotchuka, ndi okonzeka kulipira m'njira zosiyanasiyana kwa mtundu umodzi kapena umodzi. Kuti timvetse izi, tidzasanthula mtundu wa ma polojekiti malinga ndi zotsatirazi:

• Ndalama za akaunti;

• Kuthamanga;
• Kukhoza kubwezeretsedwa kapena ufulu wololedwa pang'ono;
• Njira yobwezera chidwi;
• Mapulogalamu a mitundu ina ya nzika;
• Aliyense amapereka.

Makamaka, mabanki amapereka kutsegula ndalama imodzi ndi ndalama zitatu : hryvnia, dola ya US, ndi euro.

Posakhalitsa muyenera kuzindikira kuti kwaziwirizi zimakhala ndi chiwongoladzanja chochepa kusiyana ndi kuyika ndalama za dziko. Ndipo nthawi zambiri pamakhala kusiyana pakati pa ndalama zomwe zimayikidwa pa hryvnia ndi mabanki ena osachepera katatu.

Nthawi yotsimikizika

Malinga ndi nthawi yotsimikizirika, kuikidwa m'mabanki a Ukraine akugawidwa mofulumira komanso mopanda malire. Zomalizazi nthawi zambiri zimakhala zofanana ndi nkhani zamakono zamakono, ngakhale kuti chiwongoladzanja chikuwongolera ndalama.

Mitengo yomwe imayikidwa mabanki a Ukraine a mtundu uwu ndi m'malo otsika ndipo ali pa mlingo wa 3-7 peresenti ngati nkhani itsegulidwa mu UAH. Mu ndalama zachilendo, zoterezi zimakhala zovuta kupeza, chifukwa sizitchuka pakati pa makasitomala. Chifukwa chachikulu cha izi zikhoza kutchedwa mphotho yotsika yopereka ndalama - pafupifupi 1-2% pachaka amaperekedwa ndi mabanki ku Ukraine.

Maofesiwa ndi osiyana ndipo, ngati n'kotheka, kuchotsa kapena kubwezeretsanso. N'chimodzimodzinso ndi kubwezeretsanso kwa akaunti.

Bankiyo ikukhudzidwa kwambiri ndi makasitomala awo atsegula maakaunti awo kwa nthawi yaitali popanda kuthekera kosiya, ndikuika ndalama zambiri. Zikatero, amatha kugwiritsa ntchito ndalama m'njira yopindulitsa kwambiri.

Izi zikufotokozera malingaliro a mabungwe a zachuma pazinthu zotere: 18-24% mu UAH.

Mabanki Achiyukireniya amapereka lamulo lochepa kwambiri kwa makasitomala omwe anatsegula akaunti ndi mwayi wokonzanso: pafupifupi 15-18% pa chaka.

Kusiyanitsa kwakukulu pa msinkhu wa chiwongoladzanja chokwanira pa ndalama ndi popanda malipiro kulibe. Kukhoza kuwonjezera thupi la ndalamazo, komanso kumapereka ndalama zowonjezera pamwezi khadi likupezeka pafupifupi mitundu yonse ya ndalama. Kotero njira iyi ingakhoze kuonedwa kuti ndiyo njira yopangitsira misonkhano ya banki mosavuta kwa makasitomala.

Silipo kwa onse

Palinso ziphaso zoterezi zomwe zingathe kuikidwa pokhapokha pazifukwa zina. Mwachitsanzo, awa ndi ndalama zapenshoni. Iwo angaperekedwe kokha ngati wothandizira akubwera ndi chikole cha penshoni.

Zomwezo zimakhalapo kwazinthu zina za nzika: abambo, ophunzira, ndi zina zotero.

Kunena kuti malingaliro amenewa ndi osiyana kwambiri ndi omwewo, ndizosatheka. Koma nthawi zambiri pazochitika zotero, ubwino ndi mabhonasi amapezeka. Mwachitsanzo, kuchoka pantchito kumafuna kupereka zopereka. Adzaperekedwa yekha kuti atsegule khadi lapenshoni yomwe angalandire chiwongoladzanja pa malipiro ndi ndalama zapenshoni. Popeza mabanki amapindula mabanki, amakhala okonzeka kulipira. Kukula kwa bonasi ku dipatimenti ya ndalama kungathe kufika 1-2% pamunsi.

Zopereka zanu

Ngati ndinu VIP-kasitomala, ndiye mukhoza kudalira payekha zikhalidwe za ndalama. Ngati mukufuna yankho la funso lokhudza mabanki a Ukraine ndi opindulitsa kwambiri, ndiye muyenera kuyang'anitsitsa pazinthu zoterezi.

Kufunika kwa ndalama zoterezi ndizofupikitsa, kawirikawiri mpaka masiku a kalendala 31, koma mlingowu ndi wokondweretsa kwambiri. Ikhoza kudutsa m'munsi mwa mfundo zingapo.

Ku Ukraine, mabanki ambiri ali okonzeka kupanga zopereka zomwezo kwa makasitomala awo poika ndalama mu UAH ofanana ndi USD 20,000 ndi zina.

Mkhalidwe mpaka lero

Pakadali pano, mungathe kupanga ma banki omwe akutsatira ku Ukraine, malinga ndi zomwe zikuchitika panopa pazinthu zamalonda:

1. "Postal" (Fidobank) - 29%.

2. "Monthly" (Bank Trust) - 26%.

3. "Mwamsanga Kuwonjezera" (Privatbank) - 24%.

4. "Chofunika kwambiri" (Ukrsotsbank) - 20.75%.

5. "Chaka Chatsopano" (Ukreximbank) - 20.16%.

Zikuwoneka kuti mabungwe ang'onoang'ono azachuma amapereka chiwongoladzanja chokwanira pa ndalama. Ku mbali imodzi, mabanki a ku Ukraine, omwe amalembedwa pamwambapa, amakopa makasitomala ambiri.

Kumbali inayi, ingathenso kuyankhula za kusowa kwakukulu kwa ndalama kubwereka ndalama zomwe zimafunika. Pankhaniyi, banki ikhoza kugwira ntchito kumapeto kwa phindu, kapena kutayika, yomwe ili njira yochepa yoperekera bankruptcy.