A amfani kudi akan ajiya a banki. Inda mafi m amfani rates a kan adibas

Yawa daga cikin mu mafarki to rayuwa a kan sha'awa daga adibas kuma suka aikata kome. Kowa yana so ya yi tafiya, da fun da kuma koyi wani sabon abu, amma ba su vata lokacinku a kan aiki. Yau akwai da yawa bankuna a Rasha cewa offers da abokan ciniki da dama ajiya. Kowane kudi ma'aikata su rates da kuma yanayi na ajiye kudi. Domin zuba jari babban abu - tuna cewa ma high amfani rates a kan adibas - shi ne hadarin, saboda bankunan da suke da liquidity matsaloli, ba za su biya ku yawa. Ba lallai ba ne don mafarki cewa za ka iya rayuwa a kan amfani kadai, kana bukatar ka yi la'akari da hauhawar farashin kaya, da kuma cewa ya samu mai kyau samun kudin shiga daga ajiya kana bukatar ka saka a kan shi a babban Jimlar kudi.

Interest a kan adibas da kuma iri adibas

Duk bankunan biya su ajiyar kudi a cikin nau'i na riba, domin su ci gaba da nasu kudi a wani kudi ma'aikata. Bisa ga Rasha dokokin, da ajiya sha'awa da aka lasafta kullum. Suna biya bisa ga kwangila tsakanin depositor da banki (sau daya a wata, da kwata, da watanni shida, shekara guda, da sauransu. N.). Akwai iri biyu ban sha'awa lissafi:

1. Simple - a lokacin da sha'awa an caje su raba asusun na abokin ciniki. Rejista auku a cikin lokaci a kayyade a cikin kwangila.
2. Complex - a lokacin da sha'awa an caje ga capitalization. A takaice, jiki na ajiya a kan wata-wata ko kwata-akai da kuma kara da cewa ga adadin sha'awa a kan ajiya.

Saboda haka, idan ka bude wani ajiya a banki a lokaci guda kuma tare da wannan kudi, sa'an nan, dangane da hanyar ban sha'awa lissafi, da karshe adadin na samun kudin shiga zai zama daban-daban. Halitta, tare da da capitalization ban sha'awa da kuka sana'anta more, saboda yawan za a kara wa jiki na ajiya da kuma kara ta. Rate a kan adibas a kowane banki na da, shi ya dogara da kafa manufofin da kuma bukatar tsabar kudi a cikin banki. Babban abu da depositor - duba da suna na ma'aikata (da kuma a duniya a yau shi ne mai sauki), kuma kawai sai yanke shawara a kan zuba jari.

A ranar, da Rasha bankunan bayar da ajiyar ne uku main iri adibas:

• Term ajiya.
• M (a kan bukatar) taimako.
• Savings ajiya.

Sun bambanta daga juna da dama da dũkiyarsu da kuma da yawa fasali.

lokaci ajiya

Term ajiya - ne jeri na kudi a banki ga wani ajali ambatacce, wanda aka kayyade a cikin kwangila, bayan da depositor iya janye su tanadi da ban sha'awa. Amma akwai wani zabin - tsawanta da ajiya. Akwai uku na asali iri lokaci ajiya: gajere (1 - 3 months), matsakaici-lokaci (3 - 9 months) da kuma dogon lokaci (fiye da 9 months). Yawanci, da ya fi tsayi a duration, da girma kudi a kan ajiya a banki. A daya hannun, irin wannan ajiya ne mafi riba ga masu zuba jari, domin bankuna da bayar da ku da high amfani rates a kan lokaci adibas ne. A daya hannun, ba za ka iya ci gaba idan ana so a yi your kudi ba tare da rasa sha'awa.

Gudunmawar za a iya bayar a rubles da kudin kasashen waje.

bukatar ajiya

Dindindin ajiya - a ajiya da cewa abubuwa ba tare da wani lokaci saka. Its mafi muhimmanci ingancin ne cewa za ka iya a kowane lokaci don samun kudi daga kudi ma'aikata da baya. A abũbuwan amfãni daga bukatar ajiya hada Unlimited shiryayye rayuwar kwayoyi da kuma yiwuwar janye su ba tare da asarar amfani. By fursunoni - kananan bankuna 'amfani rates a kan adibas.

Kamar ajalin ajiya za a iya bude da kuma bude-ƙare a cikin rubles da kudin kasashen waje.

Savings ajiya

Savings ajiya - a taimako da aka yi wa wani takamaiman lokaci, yawanci for 'yan shekaru. A karkashin yarjejeniyar, ma'abũcin yiwu a kowane lokaci ajiya kudi a cikin asusun, amma ba za a iya cire har ƙarshen lokaci. A amfani kudi a kan adibas na da irin wannan suna located wani wuri a tsakiyar tsakanin kudi a kan lokaci da kuma bukatar da adibas.

Don buɗe wani asusu na iya zama a rubles da kudin kasashen waje.

Adibas a rubles

A duk kasashe na duniya a cikin kasa kudin ya ko da yaushe aka dauke mafi riba, ba togiya, da kuma Rasha Federation. Yau, Rasha bankunan bayar da abokan ciniki wata babbar adadin ajiya shirye-shirye a cikin rubles. Rate a kan adibas a kowane ma'aikata ne daban-daban, shi ya canjãwa akai-akai, duka a cikin shugabanci na kara da ragewa. Bisa kididdigar da, barga bankunan bayar da wani talakawan kasuwar sha'awa kudi a kan adibas. Kamar yadda na yau, da talakawan sha'awa kudi a kasuwa - shi ne 9 -11% annum. Akwai, ba shakka, ma'aikata inda za ka iya yin ajiya da kuma a 19%, amma da yawa daga cikin sha'awa kudi nuna banki ta rashin zaman lafiya. Alal misali, rates a cikin Savings Bank adibas a kasa kudin daga 8,41 zuwa 10,52% (kashi dogara a kan tsawon lokacin taimako), amma kuma da suna daga cikin ma'aikata na matakin qarshe ba.

Adibas da daloli

Mutane da yawa mazauna ci gaba da tanadi a kudin kasashen waje. Mafi na kowa kudi a Rasha Federation, ban da ruble - shi ne daloli. Mutane da yawa, saboda da ragewar darajar kuɗi da ruble, kokarin in saya da kudin da kowane paycheck. Saboda haka, yawan 'yan asalin kasar mu kasance a shirye su bude wani babban isa adibas a daloli. Hakika, amfani kudi a nan shi ne da yawa m fiye da lokacin da taimako a cikin kasa kudin, amma musayar kudi da dama, da bi, da Amurka kudin da aka girma. A Rasha akwai mai yawa na manyan bankuna, wanda bayar da ku mai kyau kudi na riba a bude na taimako a daloli. Average kudi a kan adibas a kasuwa a yau, jere daga 4% zuwa 6% a kowace shekara. A 'yan misalai:

• "VTB 24": daga 3,22% zuwa 5,55%.
• "Gazprombank": daga 3,70% zuwa 5,00%.
• "Bank of Moscow": daga 3,22% zuwa 5,61%.
• "Raiffeisenbank": daga 3,53% zuwa 5,73%.

The adadin sha'awa a kan dollar adibas, kazalika a kan adibas a rubles, dangane da lokaci na jeri na kudi. Dauki, misali, amfani rates a kan adibas a cikin Savings Bank.

• Deposit 6m.: 4,19-5,05%.
• Deposit a kan 1 g.: 3,4-4,13%.
• Deposit a kan 2 g.: 3,35-3,78%.

Ga shi wajibi ne don zaɓar kowane akayi daban-daban da kuma la'akari da tsawon lokacin da kake son yin raba da su kudi.

Adibas a Yuro

Yuro kudin ya zama mashahuri more kuma mafi mutane a Rasha a Rasha kwanan nan, amma a kowace shekara zabi ajiye kudi ne a gare shi. Banks an ko da yaushe kokarin saduwa da zuba jari, don haka suka fi son yin aiki tare da dukkan manyan ago (dollar, Yuro, laba). Adibas a Yuro za a iya shirya a kusan kowane kudi ma'aikata a Rasha. Rate a kan adibas a cewa kudin ne kananan, amma a matsayin dollar, da Yuro ci gaba da girma. Yau, da Rasha rikicin, da ruble devalued, kwararru da yawa shawara jama'a su ci gaba da kudi ne a kudin kasashen waje. A 'yan misalai na rates a kan kudin kasashen waje adibas:

• Savings: daga 3,08% zuwa 4,95%.
• "VTB 24": daga 3.12% zuwa 5,34%.
• "Gazprombank": daga 2,50% zuwa 3.10%.
• "Bank of Moscow": daga 3.12% zuwa 5,21%.
• "Raiffeisenbank": daga 2,53% zuwa 3,02%.

Na'am, ban sha'awa shi ne kasa da na adibas a rubles har ma da Amurka kudin, amma da yawa da suka sa a kan Yuro fatan high.

Deposit rating na Rasha bankuna

Muna zaune ne a duniyar da inda ba boye wani abu, haka gano bayani game da wani Rasha banki kawai. Za ka iya je online da kuma duba duk abin da kake sha'awar. masu zuba jari sukan nemi bankunan ratings na Rasha, da kuma karin da ratings mafi riba adibas a rubles da kuma a cikin kudin kasashen waje. Sau da yawa, daban-daban da kungiyoyi tantance kasuwa da kuma haifar da tebur, wanda ya nuna mafi m tayin daga cibiyoyin. Idan muka yi la'akari da kawai da adibas na tsawon shekara 1, da rating a 2015 ne kamar haka (daga high su runtse amfani rates):

1. "PSB".
2. "Home Credit Bank".
3. "Alfa-Bank".
4. "UniCredit Bank".
5. "Uralsib"
6. "Raiffeisenbank".
7. "Rosselkhozbank".
8. "Rosbank".
9. Bankin "Rasha Standard".
10. Sberbank.

A abin kudin su ci gaba da kudi?

Rasha tattalin arzikin yau ba a kan mafi kyau na mataki, akwai wani gagarumin ragewar darajar kuɗi da ruble, farashin an tashi da kuma sakamakon tsaya har yanzu. Mutane da yawa tambaye kansu wannan tambaya: "A da kudin su ci gaba da kudi," Amma ba sauki amsar. Wasu yi imani da cewa wajibi ne a saya daloli da Yuro, saboda hanya ne kullum girma. Wasu shawara bude adibas a kasa kudin, saboda kudi a kan wannan adibas ne yafi. A daya sauran embodiment, kuma akwai tabbatacce kuma korau bangarorin. Babban abu cewa kana bukatar - shi ne su yanke shawara a kan abin da ka shirya ciyar da tara adadin, kuma kawai sai a ƙaddara tare da kudin.

A Rasha akwai wata babbar dama daban-daban bankuna da kuma cibiyoyin kudin. Dukan su suna kokarin tafarkin kansu kamar yadda zai yiwu abokan ciniki da kuma fadada da ajiya da kuma rancen fayil. Kowane mutum, a kasar mu ga yana kokarin aikatãwa mafi kudi don samar wa kansu da iyalansu da kuma zuriyarsu. Ga mutane da yawa, da adibas sun zama wani ɓangare na su samun kudin shiga. Bankin ajiya rates ƙyale mu mu kara mu tanadi da kuma kauce wa kumbura. Yarda cewa samun wani ƙarin 10% a kowace shekara zuwa your kudi ne ba don haka bad.

Kwararru da yawa imani da shi shi ne mafi riba da su zuba jari kudi a cikin kasuwanci. A zuba jari ta samun kudin shiga na iya zama har zuwa 35-40% a kowace shekara, amma akwai wani hadarin rasa kome. Ga kowa mutum, ciwon kananan albashi ne ba wani zaɓi, shi ne mafi aminci bude wani ajiya. Kafin rajista, babban abu duba ne ko banki ne memba na Jihar Deposit Insurance System (kusan dukkan cibiyoyin kudin, shi ya hada). Bayan duk, da tsarin tabbacin kowa da kowa ya kõmo zuwa 700 000, ciki har da riba.