Tiyenera bata ndi ukutitsimikizira? Sankhani chopereka kopindulitsa ndalama Bank

Mu Russia pali oposa 850 mabanki pa chiyambi cha September chaka chino. Sberbank la Russia losiyana pakati pa magulu ambiri a zachuma - ndi imodzi mwa akale kwambiri komanso kulemekezedwa mabanki. Chiwerengero cha chuma chake kubanki nkhani okwana "Piggy banki" pafupifupi gawo lachitatu. Mbiri naye odalirika kwambiri amakopeka depositors ntchito gawo amapereka ndalama Bank.

Opindulitsa chopereka kwa Bank ndalama akhoza kukhala kwenikweni opindulitsa kwa depositor ngati anakumana zinthu chifungulo cha ndalama Mwachangu: pamwezi capitalization chidwi ndi luso kubwezeretsanso gawo. Ndi magawo awa, pa zopereka za mzere "recharge" akhoza kupindula 4,85% kuti 7,25% pa annum, malingana ndi kuchuluka gawo ndi kukhwima.

Isanayambike yophukira wabweretsa sakuyendetsa ambiri chidwi mitengo pa madipoziti ku mabanki onse. Ndinali nazonso ndi banki lalikulu la dziko. Komabe, chopereka yabwino kwa Bank ndalama akhoza kuwapeza pa mapeto a pangano kuti "ndalama satifiketi". The peculiarity wa gawo lino (chitetezo) n'chakuti chabe, ndiye pangakhale kuperekedwa kwa malipiro ndi munthu aliyense pa ulaliki wa pasipoti. Komanso, mungagwiritse ntchito satifiketi monga belo kapena processing wa ngongoleyo. chiwongola dzanja pa iwo akhoza kufika 10% pa annum. Komanso, chiwongola dzanja zimadalira kuchuluka ndiponso yaitali. Pakuti ndalama osati choposa rubles 50,000 mlingo kupita chomveka chopereka "Pa Kuuza".

Kukhazikitsidwa ambiri a Internet miyoyo ya anthu tsiku ndi anasiya amaonekera okhudza ndi mabanki. Online banki n'kopindulitsa osati mawu a kupulumutsa nthawi. Opindulitsa mphatso za ndalama Bank - mzere "mzere" wa madipoziti. Pamene kutenga madipoziti pa "recharge", "kukhulupirira" ndi "Sinthani" index "Intaneti" chiwongola dzanja akhoza chinawonjezeka ndi 1% kuti mlingo m'munsi mwa kubwerera.

The ndalama kwambiri pa madipoziti izi zikhoza akamagwira adalowa zimenezi kwa nthawi pazipita - zaka 3. Isanafike atapita nthawi iyi pali kuthekera kwa kuchotsa tsankho kapena kwathunthu chidwi accrued, ngakhale sali kopindulitsa. Kuti mphamvu ya chopereka inali yaikulu, yabwino anasiya milandu chidwi kwa capitalization.

Anthu achikulire, ngati aliyense amayamikira kudalilika ndi mbiri ya banki. chidwi apamwamba pa madipoziti Sberbank amalipira iwo. Opindulitsa madipoziti kwa pensioners - ". Recharge (pantchito)" "Khalani (penshioni)", Iwo akhoza kukhala mu mlingo wa rubles 1,000, monga pa capitalization chidwi ndi gawo. Potchula ndi penshioni chifukwa cha "penshioni Plus 'chopereka kopindulitsa Bank ndalama amapereka kuwonjezeka mlingo wa kubwerera poyerekeza ndi gawo mwachizolowezi. Pensioners akhoza ndalamazo nthawi iliyonse, pamene akulandira ndalama pa 3% pa annum.

chiwongola dzanja ndalama Bank chiyani sanalonjeze phindu wapamwamba. Malonda umafuna a mabanki ena kulonjeza zinthu bwino kwambiri. Komabe, kudalilika mtheradi ndi chitetezo cha padera ndalama - izo ndi likulu. Ichi ndi chimene amapereka depositors ake Sberbank. Kodi chopereka ndi yopindulitsa kwambiri kwa Investor makamaka, izo ziri kwa iye. Nkofunika kuti asataye kufunafuna chidwi mwamsanga ndipo sataya ndalama zawo.