Yadda yin lissafi da sha'awa a kan ajiya a banki?

Yau, da tambaya da yadda za a lissafta sha'awa a kan adibas ne, ba wuya ga waɗanda suke da Internet da kuma shirin sanya hajjarsu a cikin banki ne a zahiri m. Irin wannan bashi ma'aikata, kamar yadda mai mulkin, wuraren a kan page na da kalkuleta ga kowane irin adibas, wanda ya nuna yadda tsabar kudi za a samu, dangane da adadin da su zuba jari, sha'awa kudi da kuma lokaci.

Kafin ka lissafi da sha'awa a kan adibas, shi ya sa hankali domin karatu a daki-daki, ga sharuddan da kwangila. Alal misali, akwai adibas, wadda ta dauki wani gwada da high yawan aka caje kawai idan adadin "Dolezal" tsananin har zuwa ƙarshen lokaci. Alal misali, idan ka saka $ 100 a kashi 5 cikin dari na shekara 1, za ka sami 100 x 0.05 = 5 rubles domin shekara. Idan kudi da aka janye prematurely daga taimako, da adadin zai iya isa 2 rubles, kamar yadda domin wannan halin da ake ciki an bayar a rage farashi percentages (gyarawa ko bayyana a kasarun adadi na lambobin nuna a yanayi).

Wani abu, idan sharuddan da kwangila azurta accrued amfani na tsawon kasa da shekara guda. Yadda yin lissafi da sha'awa a kan adibas a cikin wannan hali? Don yin wannan, yi amfani da wadannan dabara: * (1 + R * da K \ T \ 100) n -, inda K ne Naira Miliyan Xari da ajiya, P - da sha'awa kudi, K - yawan kwanaki a kowane lokaci na cajin (watan, da kwata), G - yawan kwanaki a shekara (365, 366), n - yawan zargin a cikin shekara (ga wata-wata zargin - 12 ga kwata - 4).

Idan caji ban sha'awa hada da adadin cewa, an riga an lasafta a baya lokacin, percentages suna dauke da dabara: A yawaita ta (1 + n \ 100 \ n), inda da magana cikin baka ne ya tashe n. Alal misali, ka sa 100 rubles karkashin 10% annum tare da amfani a kowane wata, ba ka harba. Interest a wannan yanayin da ake samu a matsayin 100 * (1 + 10 \ 100 \ 12), da adadi a zance ne da ake tãyar da 12 digiri.

Wasu masu ba da bashi bayar da daban-daban Categories yawan jama'a a daya shirin daban-daban amfani rates a kan adibas. Sberbank, misali, a wasu lokuta, da kayyade mafi girma rates for mutane na ritaya shekaru (mata 55, maza 60 years). A general mulki ne cewa ya fi girma da adadin da ajiya da kuma daina shi ne a cikin banki, da hakan percentages. Duk da haka, a cikin dogon lokaci, da samarwa kudi na iya shafar wasu dalilai, ciki har da:

1. Janar halin tattalin arzikinsu. A mafi tattalin arziki tasowa, da karin da bukatar da rance, da hakan cikin kudi cewa bankuna za su iya bayar da su ajiyar.
2. Da zaman lafiyar na kasa kudin. A kasa barga Ruble, da more kumbura, da girma ajiya rates.
3. A kudi yanayin wani takamaiman kudi ma'aikata da kuma tsarin a matsayin dukan. Idan wani bashi ma'aikata ya bayar da yawa rance, to, yana iya zama a tsabar kudi gaira, wanda entails sabon abu na high rates a kan adibas. Major kudi cibiyoyin, kamar yadda mai mulkin, ba bayar da mafi alhẽri yanayi, saboda ba su bukatar ƙarin "biya karin" to su abokan ciniki for hadarin.
4. Musamman haraji siyasa, kullum jiki da kuma sauran ayyukan.

Kwanan rubuta bayyanar "rumfa" bankuna, wanda ya wanzu ne kawai a cikin nau'i na Internet shafukan. Suna iya bayar da musamman high amfani rates a kan adibas da kuma sauran abubuwan daka zaba. A wannan yanayin, mafi duba a kan website na Central Bank of wanzuwar irin wannan shiri, don tabbatar da bayanai INN, lasisi lambobi, haruffan sunayen, samuwan ofishin sarari, ma'aikata, kamar yadda In ba haka ba, za ka iya biya tsabar kudi a hannun fraudsters, sa'an nan tambaya ne "yadda za a lissafta sha'awa a kan adibas" iya dage illa ma sha Allahu.