Arawa da haɓaka babban ajiya - menene wannan kuma yadda za a zaɓi ajiya tare da cikawa da kuma ƙimar amfani akan asusu + matakai 5 don tsawanta ajiya

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Barka dai, masoyan ku masu karanta Ra'ayoyin Rayuwa mujallar kudi! A yau za mu gaya muku abin da haɓaka da tsawaita ajiya yake, da kuma waɗanne bankuna ke ba da ajiyar kuɗi tare da ƙimar riba da cikawa.

Af, shin ka ga yadda dala ta riga ta kai darajar? Fara samun kuɗi akan banbanci a canjin canjin anan!

Ba asiri bane cewa ajiyar banki sune ɗayan shahararrun zaɓuɓɓuka don saka hannun jari cikin kuɗi a Rasha. Wannan shine dalilin da yasa binciken sigogi na adibas bai gushe yana dacewa ba.

Bayan nazarin littafin da aka gabatar daga farawa zuwa ƙarshe, masu karatu za su koya:

Mene ne babban adadin sha'awa akan asusun ajiya kuma sau nawa ake iya yinsa;
Me ake nufi da tsawaita ajiya kuma menene sharuɗɗan sa;
A ina zan iya tsara ajiyar kuɗi mai riba tare da haɓaka, haɓakawa, da cike abubuwa;
Ta yaya ba za a kuskure ba yayin zaɓar ajiya tare da haɓaka.

Bugu da kari, labarin ya kunshi umarni kan yadda za'a zabi jarin da ya dace tare da samun kudi, yadda ake tsawanta kwangilar. Hakanan a ƙarshen littafin, a al'adance muna amsa tambayoyin da suka fi ban sha'awa akan batun da muke la'akari.

Yana da amfani ga kowa ya sani game da ainihin yanayin ajiyar - waɗanda suka riga sun sami ajiya; wadanda kawai ke shirin saka hannun jari a banki; kazalika ga waɗanda kawai ke inganta ilimin ilimin kuɗi... Karanta game da duk abin da ke da mahimmanci a fahimta a yanzu!

Game da menene babban adadin sha'awa akan asusun ajiya, menene ma'anar tsawan ajiya ya kasance kuma kan wane yanayi yake faruwa, yadda za a zaɓi ajiya tare da cikawa da haɓaka - karanta a cikin wannan labarin

1. Mene ne tsarin hada-hadar ajiya - bayyanannen ra'ayi + misali na lissafin ajiya tare da nuna sha'awa 📈

A cikin Rasha, ajiyar banki (adibas) sun riƙe manyan mukamansu na dogon lokaci, a matsayin hanya tanadi kuma ƙari kudade. Suna da mashahuri tare da mutane da kungiyoyi. Jinsi, shekaru, matakin samun kudin shiga da sauran sigogin alƙalumai ba su da mahimmanci.

Yawancin 'yan ƙasa sun fahimci abin da ke fili Bank ajiya... Koyaya, ba kowa ke iya ayyanawa ba karafa.

Don haka, menene babbar riba akan asusun ajiya?

Amfani da riba akan asusun ajiya wakiltar ƙarin kuɗin shigar da aka tara na wani lokaci zuwa kuɗin da aka saka a cikin ajiyar.

A wata ma'anar, idan akwai ishara zuwa babban amfani na sharuɗɗan ajiya, suna haɓaka adadin ajiyar a kai a kai. Sakamakon wannan aikin shi ne cewa a nan gaba, ana cajin riba ba kawai a kan adadin da aka saka ba, amma har ma da kuɗin da aka tara.

Misali na ƙididdige sha'awa a kan ajiya tare da haɓaka kuɗi

Gaba daya kuma fahimci ainihin, kuma kimantawa ab advantagesbuwan amfãni daga babban birnin kasar, za a iya kwatanta shi misali 2 zabin lissafin sha'awa... A wannan yanayin, yi tunanin cewa adadin ajiyar ɗaya ce - 100 dubu rubles.

A dabi'a, ƙimar ta bambanta don shirye-shirye daban-daban. Koyaya, don saukin kwatantawa, muna ɗauka cewa kashi ɗaya ne kuma yana da 12% a kowace shekara (1% kowane wata). Misali, a ce an ƙididdige wannan fa'idar kowane wata a ranar karshe ta wata. Lokacin da aka ware kudaden, a wajenmu, zai kasance Watanni 3.

Hanyoyin kwatankwacin abubuwan sha'awa don adanawa tare da ba tare da haɓaka ba:

Jerin adadin adadin lokacin tarawa (wata)	Zuba jari ba tare da haɓaka ba		Gudunmawa
Jerin adadin adadin lokacin tarawa (wata)	Adadin kan asusun, wanda akan lissafta ribar	Adadin kudin shiga	Adadin kan asusun, wanda akan lissafta ribar	Adadin kudin shiga
Wata 1	100 000,00	1 000,00	100 000,00	1 000,00
Wata 2	100 000,00	1 000,00	101 000,00	1 010,00
*3 wata*	100 000,00	1 000,00	102 010,00	1 020,10
Jimlar kudin shiga	3 000,00	3 030,00

Misalin ya nuna cewa saka hannun jari a cikin ajiya tare da haɓaka, mai saka jari zai sami ƙarin kuɗin shiga. A cikin misalinmu, bambancin kawai ne 30 rubles.

Koyaya, yakamata a tuna cewa a aikace, masu saka jari suna saka hannun jari mai yawa. Bugu da ƙari, ana amfani da irin waɗannan gajerun kalmomin, kuma tsawon lokacin sanyawa, zai zama mafi mahimmanci bambancin samun kudin shiga zai kasance. Mun rubuta game da yadda da inda za a saka kuɗi a cikin labarin daban na mujallarmu - muna ba da shawarar ku karanta shi a hankali.

Sharuɗɗan babban sha'awa kan ajiya

2. Sau nawa za a iya aiwatar da ƙimar amfani a kan asusun ajiya? 📅

Kasancewa ko rashin samun kuɗaɗen ajiya don takamaiman ajiya an kafa ta yanayinta, waɗanda aka tabbatar da su ta hanyar yarjejeniyar da aka ƙulla. Hakanan za'a iya faɗi game da yawan adadin kuzari, wanda zai iya zama daban.

Mafi sau da yawa, daidaitaccen tsarin kuɗi kamar haka:

1 kowace rana;
kowane mako;
na wata-wata;
sau daya cikin kwata;
Sau ɗaya a kowane watanni shida;
kowace shekara.

Don fahimtar wane nau'in yawan kuɗi ne mafi riba, yana da kyau a gudanar da lissafin da zai ba ku damar ganin sakamakon da idanunku.

misali, a ce an sanya kudin 100,000 rubles na watanni shida... A wannan yanayin, don sauƙin lissafi, zamu ɗauki kuɗin kamar 12% a shekara (1% kowane wata).

Sakamakon lissafi an gabatar dashi a cikin tebur.

Teburin kwatancen adana kuɗi tare da mitar ƙarfin haɓakawa daban-daban:

Lambar lokacin biyan kuɗi	Adadin a farkon lokacin	Kudin sha'awa	Adadin a ƙarshen lokacin
*Tare da haɓaka sau ɗaya a kowane watanni shida*
1	100 000,00	6 000,00	106 000,00
*Tare da haɓaka kwata-kwata*
1	100 000,00	3 000,00	103 000,00
2	103 000,00	3 090,00	106 090,00
*Amfani da wata-wata*
1	100 000,00	1 000,00	101 000,00
2	101 000,00	1 010,00	102 010,00
3	102 010,00	1 020,10	103 030,10
4	103 030,10	1 030,30	104 060,40
5	104 060,40	1 040,60	105 101,00
6	105 101,00	1 051,01	106 152,01

Lissafin da ke sama suna ba mu damar fahimtar abin da mafi yawan kuɗin shiga ke kawowa babban haɓaka sha'awa tare da matsakaicin tsari.

Umurni don zaɓar ajiya tare da cikawa da ƙimar amfani

3. Yadda zaka zabi ajiya tare da karin kudi da kuma karin kudi - jagora mataki-mataki ne ga masu son saka jari vice

Daga sakin layi na baya na labarin, ya zama bayyane menene asali da fa'idodi karafa... Koyaya, a yau akwai bankuna masu yawa a kasuwa tare da yanayi daban-daban da ƙimar su. Wadanda suka zabi jarin da ya fi dacewa a karon farko na iya rikicewa.

Saboda haka, a ƙasa muke bayarwa mataki-mataki jagora ta hanyar zaɓar ajiya tare da ƙimar amfani da sha'awa ga masu saka hannun jari.

Mataki 1. Zabar banki

Kafin ci gaban fasahohin Intanet, batun zaɓar banki don ƙulla yarjejeniyar ajiyar ba ta da tsauri. A al'adance, ana tura 'yan ƙasa zuwa reshen cibiyar bada bashi da ke kusa da gidansu ko wurin aikinsu.

Yau, godiya ga dama shiga kwangila a yanayin kan layi, masu ajiya a sauƙaƙe suna aiki tare da bankunan da ba su da rassa a cikin garin zama na ɗan ƙasa.

Daya bangaren wannan tsarin yana haɓaka tayin da muhimmanci, ma'ana, masu ajiyar kuɗi na iya zaɓar mafi kyawun zaɓi daga mafi yawan yanayi.

amma babban zaɓi yana haifar da gaskiyar cewa masu farawa suna buɗe idanunsu. A irin wannan yanayi, zai yi wuya a yanke shawarar da ta dace.

Ta buɗe ajiya a banki na gaba, zaka iya da kanka tantance ƙwarewar ma'aikata. Wuri da ingancin gyaran ofis kuma yana nuna mutuncin cibiyar bashi. Bugu da ƙari, tara ainihin, sake dubawa na gaske a cikin wannan yanayin ya fi sauƙi fiye da kammala kwangila akan layi.

Masana sun bada shawaralokacin zabar banki, da farko, ka kula da shi kimantawa... Saboda wannan ya cancanci ziyarta Tashar yanar gizo ta Bankin Rasha... Anan zaku iya samun bayanai akan duk sifofin cibiyoyin bashi. Kari akan haka, a wannan shafin ne zaka iya samun bayanai kan bankuna wadanda suke da wata matsala.

A dabi'ance, bai cancanci ɗaukar kuɗi zuwa cibiyoyi tare da sanannen suna ba ko da a yanayin da suke ciki tsarin inshora na ajiya... Kudin da aka saka, tabbas, zai dawo, amma fa'ida yayin aikin fatarar kuɗi da biyan kuɗi ga masu ajiya.

Sai kawai bayan an zaɓi ofan banki masu ban sha'awa, za ku iya fara nazarin da kwatanta yanayin ajiyar.

Mataki na biyu: Tantance yanayin ajiya

Bayan an ƙayyade abin da buƙatun mai ajiya ke da shi na ajiya, ya kamata ku yi nazarin yanayin shirye-shiryen da suka dace da waɗannan ƙa'idodin.

Mafi sau da yawa, masu ajiyar kuɗi suna kula da waɗannan sigogi masu zuwa:

kudi;
lokaci;
mafi ƙarancin adadin.

Wani mahimmin ma'auni shine iyawa sake cika ajiya ko cire wani bangare kudi daga gare shi ba tare da asarar sha'awa... Waɗannan sigogin suna haɓaka motsi na kuɗi idan an saka su na dogon lokaci.

A takaice dai, mai ajiya zai iya tara kuɗi ta hanyar yin su akai-akai ƙarin gudummawa akan ajiya Yana da mahimmanci a lura cewa bankuna galibi suna sanya mafi ƙarancin adadin irin wannan cikar.

A gefe guda, ba shi da sauƙi a hango lokacin da za a buƙaci kuɗi a cikin dogon lokaci. Sabili da haka, yana da amfani sanya kuɗi a kan sharuɗɗan da suka ba da izinin m janyewa.

Daraja a hankali, tare da ajiya tare da yuwuwar cire kudi na wani bangare idan ya cancanta, zaka iya cire wani adadi ba tare da katse yarjejeniyar ba. Don irin waɗannan ajiyar, bankuna galibi suna saitawa m ma'auni akan asusun ajiya, wanda dole ne ya kasance akan sa yayin duk lokacin yarjejeniyar.

Lokacin zaɓar ɗakunan ajiya tare da yanayin haɓaka, yana da mahimmanci a kula da daidaiton riƙewar ta.

Mataki na 3. Lissafi na ƙimar tasiri

Lokacin zaɓar ajiya daga zaɓuɓɓuka masu yuwuwa da yawa, ya kamata ku gwada ba ƙimar da aka nuna a cikin yanayin ba, amma tasiri... Suna ba da dama don gudanar da cikakken bincike na jimillar ainihin kuɗaɗen shiga daga lokacin kammala kwangilar har zuwa rufewa.

Idan akwai matakan haɓaka a cikin yanayin ajiyar tasiri kudiba ka damar yin la'akari da tarin sha'awa akan sha'awa.

Masu ba da kuɗi suna ba da shawara don ƙayyade ƙimar tasiri ta amfani da tsari mai zuwa:

ina:

Tarayyar Turai - tasiri mai tasiri;
DAGA - kudin ruwa akan ajiya, wanda aka ayyana a cikin sharuɗɗansa;
N - ya nuna sau nawa ake gudanar da cinikin a cikin shekara.

Bari muyi la'akari da lissafin ƙimar tasiri ta amfani da misali.

Misali, sharuɗɗan ajiya sun ba da kuɗi 12% a kowace shekara tare da haɓaka kowane wata. Sauya wannan bayanan a cikin dabara, zamu sami:

Don haka, babban haɓaka a cikin shari'ar da ake la'akari da ita tana haifar da ƙaruwa cikin ƙimar shekara-shekara fiye da kashi 0.5... Ta hanyar sanya kuɗi a 12% a kowace shekara tare da haɓaka kowane wata, mai ajiya zai karɓi samun kuɗin shiga kowace shekara a cikin adadin 12,68% na adadin da aka saka.

Ba kowa bane ya san yadda ake amfani da lissafin injiniya wanda zai baka damar ɗaga lamba zuwa kowane iko. Saboda haka, muna ba ku shawara ku yi amfani da shi masarufi na kan layi na musamman.

Kar ka manta cewa kuɗin shigar da aka samu yana tasiri da kuma ƙarin gudummawahakan yana kara adadin kudin ajiya. A dabi'a, a cikin wannan yanayin, yawan adadin da aka tara da kuma haɓaka ke ƙaruwa.

Akasin haka ma gaskiya ne - cire kuɗi daga asusun daga asusun yana haifar da raguwar kuɗin da aka samu.

Mataki na 4. Nazari da kwatancen bayanan da aka samu yayin lissafin

Amfani da dabara da aka bayyana a sama, ya zama dole a kirga ƙimar tasiri ga duk zaɓaɓɓun ɗakunan ajiya.

Yin nazarin wasu sharuɗɗa da kwatanta sakamakon lissafi, zaku iya yin zaɓin da ya dace da ɗayan ɗakunan ajiya.

Kwatanta gudummawar yawanci yayi la'akari da:

Zai yiwu lokacin kwangilar;
Kasancewa da kuma yawan yawan kuzari;
Tasiri mai inganci;
Yiwuwar sake cikawa, tare da cire wani bangare;
Kasancewa ko rashi na yanayin sabuntawa.

Mataki 5. Zaɓin mafi kyawun zaɓi don saka hannun jari

Yawancin lokaci, 'yan ƙasa suna yanke shawarar kulla yarjejeniyar ajiya tare da banki don haɓaka kuɗi. Sabili da haka, shine kuɗin shiga da aka karɓa shine zaiyi nasara yayin kwatanta ɗumbin yawa da zaɓar ɗaya. Ya kamata a tuna cewa za a biya kuɗin shiga akan ajiyar haraji.

Yana da muhimmanci a sani! Yau Harajin kudin shiga na mutum ba a caje shi a kan duk ribar ba, amma kawai daga wannan sashin nata, wanda aka lasafta shi azaman banbanci tsakanin riba akan ajiya da kuma kuɗin sake sabunta shi, ya karu da maki 5. A wannan yanayin, don canzawa da kasafin kuɗi za a sauya 35%.

Bari muyi la'akari da irin wannan yanayin tare da misali.

Misali na kirga yawan harajin kudin shiga na mutum

Tun daga Afrilu 28, 2017, Rasha ta sake hada kudidaidai yake da 9,25%... Mai ajiya ya yanke shawarar saka hannun jari 100,000 rubles a karkashin 16% shekara-shekara.

A wannan yanayin, ana aiwatar da lissafin adadin haraji kamar haka:

Riba mai biyan haraji = (16 – (9,25 + 5)) = 1,75%
Adadin haraji = 100 000 * 1,75% = 1 750 rubles
Harajin kudin shiga na mutum = 1 750 * 35% = 612,50 rubles

Watau, mai ajiya maimakon alkawarin 16,000 rubles a cikin shekara za su karɓa 15 387 rubles 50 kopecks.

Sabili da haka, koda tare da tayin yawan ajiya na yau, yana da kyau sosai a zaɓi mafi kyau duka. Don wannan muhimmanci dauki lokacinka, yi duk lissafin da ake bukata sannan ka gwada sakamakon.

Me ake nufi da tsawan ajiya? - bayyani game da yanayin + yanayin fadada ajiya a banki

4. Mene ne tsawaita kudin ajiya kuma a wane yanayi aka samar da ita 📊

Lokacin da abokin ciniki yayi ajiya tsakanin mai ajiya da banki, ya dace kwangila... Yana gyara sharuɗɗan haɗin kai tsakanin waɗannan ɓangarorin, gami da lokacin da za a saka kuɗin.

A al'adance, mafi karancin lokacin ajiya shi ne Watanni 3... Amma akwai bankuna da ke shirye don kammala yarjejeniya na wani lokaci daga 30 kwanaki... Matsakaicin lokaci a wannan yanayin galibi daidai yake 1-2 shekaru... Toari da tsawon lokacin da aka sanya ajiyar, yarjejeniyar dole ne ta nuna ko tana nan don ajiyar da aka zaɓa tsawo.

Tsawaita ajiya - wannan shine tsawaita lokacin wa'adin kudaden masu ajiya a cikin asusun banki, wanda ke nuna karuwar sha'awa bayan babban lokacin yarjejeniyar ya kare.

Akwai nau'ikan tsawaita 2:

Ba atomatik. Idan yarjejeniyar ba ta ƙunshi abin da ake nufi da tsawaitawa ba, mai ajiyar zai tuntubi bankin a ƙarshen ajalin ajiyar. A wannan yanayin, akwai zaɓi biyu don ci gaban abubuwan da suka faru: karbo kudadenka ko kulla sabuwar kwangila.
Atomatik Wannan karin shine tsawaita lokacin ajiyar ba tare da ƙarshe na sabuwar yarjejeniya. Ya bayyana cewa abokin ciniki ba lallai bane ya tuntuɓi bankin idan bai shirya cire kuɗin sa ba. A al'adance, yawan sabuntawar atomatik bashi da iyaka. Idan, bisa ga sharuɗɗan ajiya, an yarda da yawa daga cikinsu, dole ne a ba da wannan a cikin kwangilar.

Ya zama cewa muhimmin bambanci tsakanin sabuntawar atomatik da wanda ba atomatik ba shine rashin buƙatar ƙulla sabuwar yarjejeniyar ajiya don tsawaita lokacin ta.

Game da tsawaitawa ta atomatik, mahimmin ma'aunin da ke damun kowane mai ajiya shi ne sabon girma kudin ruwa... Tuni a lokacin ƙarewar kwangilar, yana da mahimmanci a yi nazarin shi a hankali, saboda dole ne ya kasance akwai wani abu daban akan ƙimar riba.

Da wuya ƙwarai, sabon adadin kuɗin ya kasance a daidai matakin kamar dā. Wannan shi ne farko saboda yanayin haɓaka cikin ƙimar riba a cikin ajiya a cikin Rasha.

Ya kamata a mai da hankalicewa mafi yawancin lokuta tare da tsawaita atomatik, ana saita sha'awar sabon lokaci a matakin da yake aiki a halin yanzu a ƙarƙashin wannan shirin. Koyaya, a wasu yanayi, ajiya iri ɗaya a banki ta daina wanzuwa. A wannan yanayin, mai yiwuwa, za a canja kuɗin zuwa irin gudummawar.

Yana da mahimmanci a kiyaye, cewa idan babu sabuntawa ta atomatik, ba za a cajin riba kwata-kwata ba, ko kuma za a saita kuɗin a matakin asusun buƙatun. Sabili da haka, da kyau, ba tare da la'akari da kasancewa da rashi na tsawan kai tsaye ba, a ranar ƙarshen ajalin ajiyar, yana da daraja tuntuɓar bankin da yake a buɗe.

Yana da mahimmanci a fahimci ba wai kawai ko anyi tsammani tsawaitawa ko a'a don takamaiman ajiya ba, amma kuma a wane yanayi za'a aiwatar dashi. An bayyana mahimman abubuwa a ƙasa.

Yanayi 1. Lokacin tsawaitawa

Mafi yawan lokuta, ana fadada yarjejeniyar ajiyar don wannan lokacin wanda aka gama shi tun asali.

Misali, lokacin yin ajiya don 12 watanni a karon farko, za'a sake sabunta shi daga baya da adadin watanni.

Mai ajiya ya kamata ya fahimci cewa a wasu lokuta ma'anar yarjejeniyar bayan tsawaita na iya bambanta da ta farko. Irin wannan yanayin dole ne a daidaita shi cikin kwangilar.

Yanayi 2. Ranar farawa na lokacin ajiya na gaba

A al'ada, sabon lokacin ajiya ya fara ranar bayan karshen abin da ya gabata.

Watauidan gudummawar ta kare 1 Agusta, amma mai shi ba zai zo banki ba, tuni daga 2 Agusta sabon zamani zai fara.

Amma kar ka manta cewa a nan ma akwai ajiyar kan sharuɗɗan ajiya. Wato, wannan dokar tana aiki, sai dai in ba haka ba aka fayyace a cikin kwangilar.

Sharadi 3. Canji cikin kudin ruwa bayan tsawaita yarjejeniyar ajiya

Lokacin sabunta kwangila, yawanci ana kafa shi sabon kudin ruwa... Mafi sau da yawa, ana daidaita shi da wanda yake aiki akan ajiya ɗaya a halin yanzu.

Don sanin ko nawa ne za a sanya kudaden yanzu, ya kamata ka kula da bayanan da ke kunshe a shafin intanet na bankin, ko kuma ka kira layin waya. A kowane hali, yarjejeniyar dole ne ta ƙunshi bayani game da sha'awa bayan tsawaitawa.

Yanayi 4. Tabbacin sabon fare

Bayan ajiyar ya tsawaita, yayin lokacin sabuntawar kudin BA zai canza.

Wato, lokacin da aka tsawaita ajiyar na shekara guda, a wannan lokacin, yawan zai kasance mai ɗorewa. Imar za ta sake canzawa idan da tsawaita na gaba.

Yanayi 5. Lissafi na riba zuwa adadin ajiya

Idan mai ajiya bai cire riba ba a lokacin ajiyar ko a karshenta, ana samun kudaden shiga ne bisa tsawaitawa. Ya bayyana cewa a yayin sabon lokacin, za a caje riba akan ƙarin adadin, wanda ya ƙunshi da farko saka jari kuma tara kudaden shiga.

Don haka, kwata-kwata duk yanayin sabuntawa an bayyana su dalla-dalla a cikin yarjejeniyar ajiyar banki... Yana da mahimmanci a hankali a bincika sharuɗɗan wannan yarjejeniyar, in ba haka ba kwatsam za ku iya samun kanku cikin mawuyacin hali.

Yi la'akari da al'amuran yau da kullun 2:
Harka 1. Wa'adin ajiyar ya ƙare, amma mai ajiyar bai iya ziyartar banki akan lokaci ba.
A sakamakon haka, bayan 'yan watanni, lokacin da ya nemi izinin cibiyar bada bashi, ya gano cewa an samu riba daga karshe a kan bukatar kudiwanda yake daidai da duka 0,01%. Wannan saboda rashin rashin sabuntawar atomatik. Dole ne in kammala sabon yarjejeniya, amma ba wanda zai sami riba daga ƙarshen ajiyar.
Harka ta 2. Yarjejeniyar ta ƙunshi magana game da tsawan kai tsaye, don haka mai ajiyar ya yanke shawarar kada ya je banki a ƙarshen ajalinsa.
Koyaya, bai mai da hankali ga gaskiyar cewa ana aiwatar da fadada a sabon ƙimar da ke gudana a halin yanzu a cikin cibiyar ba da rancen ba. A sakamakon haka, an rage kashi. A lokaci guda, ya yiwu a sanya kuɗi a wani banki a kan mafi girman ƙimar. Ya bayyana cewa mai saka jari ya sake rasa wani ɓangare na yiwuwar samun kuɗi.

Umarni don tsawaita yarjejeniyar ajiya

5. Yadda ake jujjuya ajiya a banki - Matakai 5 masu sauki ners

Yana da amfani ga sabbin masu saka jari su san yadda tsawaita ajiya... Da farko dai, yana da daraja a hankali yi nazarin sharuɗɗan kwangilar. Idan ya ƙunshi magana akan kasancewar sabuntawa ta atomatik, dole ne a hankali ka karanta sharuɗɗansa da ƙa'idodinsa. Idan mai ajiya ya gamsu da su, ba abin da za a yi.

Idan babu sabuntawa ta atomatik ko kuma idan sharuɗɗansa basu dace da mai ajiyar ba, dole ne a aiwatar da ayyuka da yawa.

Da ke ƙasa akwai umarnin mataki-mataki, tare da taimakon wanda tsawan ajiyar ba zai haifar da matsala ga mai ajiyar ba.

Mataki na 1. Yi nazarin kwangila

Koda lokacin yin ajiya, yakamata kayi karatun kwangila a hankali don sharuɗɗan tsawaitawa. Yana da amfani a sake yin hakan yayin da lokacin ƙarshe ya gabato don tuna dukkanin nuances.

Yana da mahimmanci a tuna, cewa mafi sau da yawa, lokacin da ake tsawaitawa, ƙimar ta canza zuwa wacce ke aiki a banki a lokacin ƙarshen ajiyar. Sabili da haka, yana da amfani nazarin kasuwannin tayi don tabbatar da cewa ma'aikatar ba da rance har yanzu tana ba da ƙimar riba mai kyau.

Kar a manta cewa bayan sabuntawa, dakatar da kwangilar kafin karshen sabon wa'adin yana barazanar rasa asarar kudin shiga daga lokacin sabuntawar.

Game da muhimmanci a hankali bincika yanayin kuɗi. Idan ana iya buƙatar kuɗi kafin ƙarshen lokacin ajiyar bayan ƙarin, yana da ma'ana a ƙara wata yarjejeniya don ɗan gajeren lokaci.

Mataki na 2. Ziyartar ofishin banki

Dole ne ku ziyarci reshe na cibiyar bashi a cikin 2 lokuta:

idan sharuɗɗan ajiya ba su samar da tsawaitawa ba;
idan sharuɗɗan tsawaita lokacin mai ajiyar basu gamsu ba.

A cikin ofishi, yana da daraja tuntuɓar ma'aikacin banki don samun cikakken bayani.

Mataki na 3. Neman shawara

Lokacin tafiya don shawara, mai ajiyar yakamata ya sami cikakken ra'ayi game da abin da ya kamata a tambaya daga ma'aikaci.

Yayin tattaunawar, kuna buƙatar bincika:

shin akwai tsawaitawa ta atomatik kuma menene sharuɗɗan sa na ajiya na yanzu;
shin akwai wasu kalmomin saka hannun jari masu dacewa, idan haka ne, menene sharuɗɗan su.

Yayin tattaunawar, yana da mahimmanci a nemi ma'aikaci yayi magana game da duk hanyoyin zabin saka jari. A shafin yanar gizon mu zaka iya gano inda zaka saka hannun jari don karɓar kuɗin shiga kowane wata.

Bugu da kari, zai taimaka idan mai ba da shawara ya nuna kimar kudin da aka kiyasta don duk makircin da ya dace.

Mataki na 4. Haɗin yanayin yanayin saka hannun jari

Bayan duk an bayyana makircin makirci, zaka iya zaɓar hanya mafi dacewa don tsawaita lokacin ajiyar.

Akwai zaɓuɓɓuka 2 don aiki:
Zabi 1. Abokin ciniki ya yanke shawarar mirgine kan ajiya ta atomatik. A wannan halin, dole ne ku nemi a buga kwangilar don sabon zamani.
Zabi 2. An yanke shawarar fitar da ajiya a kan sharuɗɗa daban-daban. Anan yana da mahimmanci a hankali a bayyane yake dukkan nuances. Bayan haka, tsohuwar yarjejeniya dole ne a ƙare, kuɗin da aka tura zuwa sabon asusun da yarjejeniyar da aka sabunta.

Mataki 5. Tabbatar da niyyar tsawaita ajiya

Idan mai ajiyar ya yanke shawarar tsawaita ajiyar yanzu, idan ya ziyarci ofishin, zai zama dole a tabbatar da wannan niyyar. Don yin wannan, kuna buƙatar rubuta sanarwa.

Ana iya yin hakan kai tsaye a cikin ofishi. Na gaba za a buga sabon yarjejeniya, wanda zaku sami masaniyar kanku sannan ku sanya hannu.

Don haka, babu wani abu mai wahala a tsawaita ajiyar. Don kauce wa matsaloli, ya isa a hankali nazarin umarnin da aka bayar kuma bi su daidai.

6. A cikin waɗanne bankuna ne ake iya shirya ajiyar kuɗi tare da haɓaka kuɗi, cikawa da haɓakawa - bayyani kan manyan bankunan TOP-3

Yawancin bankuna da yawa suna aiki akan kasuwar kasuwancin Rasha waɗanda ke ba da ajiya tare karafa, cikawa, da tsawo.

Da ke ƙasa akwai 3 cibiyoyin bashi waɗanda suke da adibas mai riba... Suna da shirye-shirye tare da duk sigogin da ake la'akari da su, amma kafin buɗe ajiya, a kowane hali, ya kamata ku tuntubi bankin don cikakken shawarwari. Sai a cikin ofishi kawai za su iya ba da cikakken bayani game da duk shirye-shiryen da ke aiki a halin yanzu a cikin asusun bashi.

1) Sberbank na Rasha

Shekaru da yawa, miliyoyin 'yan ƙasar Rasha sun amince da kuɗinsu Sberbank... Wannan kungiyar bada bashi ita ce mafi tsufa a kasarmu.

A yau, tsakanin masu ajiya tare da tsawaita atomatik, mafi mashahuri shine ajiya Kyakkyawan shekara... Bankin yana ba da fare akan sa daga 7,4 kafin 8% a kowace shekara... Adadin ƙarshe an ƙaddara dangane da adadin da aka saka.

Mafi karancin lokacin ajiyar da ake magana akai shine 3 watanni... Adadin yana farawa daga 100,000 rubles... An sami riba a ƙarshen lokacin kwangilar. Kuna iya buɗe ajiya ba kawai ta hanyar tuntuɓar su ba zuwa ofis, amma kuma akan gidan yanar gizon banki a yanayin kan layi.

2) Bankin Ural don sake ginawa da ci gaba

A cikin shekaru 27 tun kafuwarta UBRD, bankin ya samu damar shiga 30 manyan cibiyoyin bashi a Rasha.

Bankin Ural ya aminta da jiha, an ba shi izinin bude asusu a nan kamfanonin amfani, dabarun masana'antukuma kuma adana ajiyar fansho.

Rassan banki suna cikin yankuna 43 na Rasha, inda zaku iya buɗe ajiya tare da ƙimar kuɗi kafin 11% a kowace shekara... Lokacin yin ajiya akan gidan yanar gizon banki, zaku iya samun ƙarin 1%.

3) VTB

Bankin VTB wani ɓangare ne na ƙungiyar ƙasa da ƙasa da ke aiki a kasuwar kuɗaɗe. A yau, a cikin rassa waɗanda ke cikin yankuna 72 na Rasha, zaku iya buɗe adibas tare da ƙimar kuɗi 5,75— 7,85% a kowace shekara.

Don kwatanta yanayin yanayin ajiyar banki da yawa kuma zaɓi mafi kyau, ba lallai bane ku je reshen banki. Ya isa ayi kira zuwa ga layin waya... Akwai wani zaɓi - ziyarar Yanar gizo VTB.

Idan ba a warware dukkan tambayoyin ba, zaku iya yin odar kai tsaye ta hanyar Intanet kiran baya... Don yin wannan, kawai cika fom na musamman.

Sau da yawa, masu ajiya suna da shakku game da bankin da za su zaɓa. Masana sun ba da shawara ta amfani da takamaiman tambayoyi wanda zai taimaka muku yanke shawara.

Tambaya don kimanta kwatankwacin cibiyoyin bashi bisa ga halaye daban-daban:

Halin hali	Zaɓuɓɓukan amsa tare da maki
*Inganci a cikin kasuwar kuɗi*	Tun zamanin USSR - maki 10 Fiye da shekaru 10 - maki 5 5-10 shekaru - maki 3 Kasa da shekaru 5 - maki 0
*An saka hannun jari*	Ee - maki 10 A'a - maki 5
*Girman ma'aikata darajar*	A cikin martabar Rasha tana da ɗayan farkon wurare goma - maki 10 Ba a haɗa shi cikin goman farko a Rasha ba, amma ɗayan mafi girma a cikin birni - maki 5
*Kasancewar ofishi tsakanin nisan tafiya daga gida ko wurin aiki*	Ee - maki 5 A'a - maki 0

Duk bankunan da aka zaɓa ya kamata a tantance su ta amfani da wannan tambayoyin. Bayan wannan, ya kamata a ba da fifiko ga wanda yake da mafi yawan maki.

Muna kuma ba ku shawara ku karanta labarinmu a kan wane banki ya fi kyau a buɗe ajiya a cikin babban riba.

7. Yadda ba za a yi kuskure ba yayin buɗe ajiya tare da ƙimar amfani - 3 mafi mahimman ƙwararriyar shawara 💎

Don yin ajiya tare da matsakaicin kuɗin shiga, ya kamata ku karanta shawara daga masana. Zasu taimake ka ka guji mafi yawan kuskure.

Shawara 1. Ya kamata a saka jari kawai a cikin bankunan abin dogaro

Yawancin masu ajiyar kuɗi suna bin iyakar fa'ida kuma ba koyaushe suke daidai ba.

Yana da daraja la'akari! Yana da mahimmanci mahimmanci a mai da hankali ga amincin banki fiye da riba akan ajiya.

Tabbas, tsarin inshorar ajiya, wanda ya zama tilas a Rasha a yau, ya ba da tabbacin maidawa idan har banki ya faɗi. amma tarin sha'awa daga lokacin da aka hana ma'aikatar bashi lasisi.

Ya zama cewa mai saka hannun jari zai rasa kudin shiga, saboda ba a biyan biyan inshorar nan take.

Tukwici 2. Tabbatar da lissafin tasiri mai tasiri da kanka

Yawancin masu ajiyar kuɗi an san su da rashawa ta hanyar tallace-tallace masu banƙyama waɗanda ke ba da babbar sha'awa ga ajiya. Amma kada ku yi sauri.

Fi dacewa, kafin ziyartar reshen banki, yakamata ku kirga kudaden shiga da za'a karɓa yayin sanya kuɗi akan yanayin da ake magana akai. Ana iya yin wannan bisa ga dabarbarida aka bayar a cikin wannan labarin, ko amfani da musamman lissafin kan layi.

Wannan hanyar tana ba ka damar sanin abin da za ka dogara da shi lokacin da ka tuntuɓi bankin. Kari akan haka, zaku iya kwatanta sakamakon ku da wanda kwararren banki ya bayar.

Tukwici 3. Kar ka manta da kimanta yanayin kuɗin ku

Lokacin yanke shawara nawa da kuma tsawon lokacin da za a buɗe ajiya, mai ajiyar dole ne ya bincika matsayinsa na kuɗi da kyau.

Yana da muhimmanci a fahimtacewa yawancin adibas ba sa samar da ma'amaloli na kashe kuɗi. A lokaci guda, ƙarshen ƙarshe yana haifar da rashi na tarin sha'awa. Sabili da haka, yana da mahimmanci a zaɓi lokacin da iyakar aiki.

Bayan sun saurari waɗannan nasihun, kowane mai saka jari zai iya samun sauƙin buɗe riba mai riba.

8. Tambayoyi - tambayoyi da amsoshi akai-akai them

Ta hanyar al'ada, a ƙarshen littafin, za mu amsa tambayoyin da galibi ke faruwa tsakanin masu ajiya.

Tambaya 1. A ina zan iya samun lissafin kan layi don kirga abubuwan adana kuɗaɗen ajiya tare da haɓaka da maimaitawa?

Dogaro da dalilin da yasa ake yin lissafin, akwai zaɓuɓɓuka da yawa don masu ƙididdiga waɗanda ake amfani dasu don lissafin gudummawa.

Muna ba da shawarar amfani da kalkaleta na ajiyar kuɗi, wanda zai taimaka muku lissafin kuɗin ajiya na kan layi:

Nau'in lissafin kan layi don kirga sigogin ajiya:

Calculators a kan shafukan yanar gizo na bankuna suna ba da damar buɗe ajiya. Kuna iya samun su akan shafin zaɓi na ajiya. Lokacin yin lissafi tare da irin wannan kalkuleta, lallai ne ku shigar da mafi ƙarancin bayanai - jimla, lokacin ajiya, ranar rajistakamar yadda kuma aka tsara cikawa (idan an bayar). Adadin da sauran sigogi na ajiyar an saita su ta atomatik.
Calididdigar da ke kan shafukan yanar gizo (na kuɗi). Wannan zaɓin ya dace da waɗancan masu ajiyar waɗanda har yanzu ba su yanke shawarar wane banki za su kai kuɗin su ba. Anan zaku iya samun bayanai masu amfani game da ajiyar da cibiyoyin bada lamuni daban-daban suka bayar. Amfani da irin waɗannan masu lissafin, mai ajiya dole ne ya shigar da wasu parametersan sigogi, saboda halaye na ajiya a kowane banki daban. Dole ne, a tsakanin sauran abubuwa, nuna kasancewar karafa da yawansa.
Yanar gizan kalkuleta.Shahararrun mutane yana ta ƙaruwa kwanan nan keɓaɓɓun albarkatun Intanet, waɗanda suke masu ƙididdigar ajiya tare da matsakaicin saiti na ayyuka masu amfani. Baya ga halaye waɗanda aka yi amfani da su a cikin sauran masu ƙididdiga, a nan ana amfani da su: zaɓi na nau'in fare (gyarawa ko iyo); yiwuwar adanawa da kuma cire kudi; lissafin haraji... Hakanan yana ba da cikakken bayanin duk ayyukan da aka yi amfani da su. Wannan hanyar tana haifar da gaskiyar cewa lissafin daidai ne kuma dalla-dalla ne yadda zai yiwu.

Misali na ƙididdigar kan layi ta adana kuɗi tare da haɓakawa da haɓakawa

Zaɓin mai lissafin ajiya a kan layi, ya kamata ku fahimci cewa a cikin kowane shiri don ƙididdiga na iya tashi rashin daidaito... Sun bambanta sosai ga kowane nau'in kalkuleta kuma zasu iya tashi saboda dalilai daban-daban.

Babban dalilan kuskuren lissafi yayin amfani da kalkaleta na kan layi:

shirye-shirye mafi sauki basa la'akari da sigogi da yawa - harajin samun kudin shiga, hukumar da sauransu;
wasu masu lissafin basa ba ka damar yin hasashen canjin kudin shiga idan yin ƙarin gudummawa ko cire wani ɓangare na adadin ajiyar;
bankuna suna da halaye daban-daban game da yawan amfani idan ranar karewar ta faɗi a ƙarshen mako.

Duk waɗannan abubuwan da ke sama suna haifar da kuskure.Ya kamata a tuna cewa don shirye-shirye mafi sauƙi yana iya zama babba.

Kula! Amfani da ƙididdigar ƙwararru a cikin lissafi yana ba ku damar rage kurakurai. Galibi ba su wuce kashi ɗaya cikin ɗari.

Tambaya 2. Shin mai ajiya yana da damar ya ƙi tsawaita ajiyar kuma menene za a yi don wannan?

A dabi'ance, mai ajiyar yana da 'yancin ƙi da ƙarin dangantaka da bankin da ajiyar sa ta ƙare.

Koyaya, ba kowa ya san irin matakan da ya kamata a ɗauka ba don matsalolin matsaloli na karɓar kuɗi ba su taso ba, kuma ba a rasa sha'awa ba. Saboda haka, a ƙasa muna ba da cikakkun umarnin mataki-mataki.

Mataki 1. Ziyartar ofishin banki

Idan sharuɗɗan kwangilar suka bayar atomatik tsawan ajiya, amma mai ajiya ya yanke shawarar cire kudinsa daga banki, dole ne ya tuntubi bankin. Na farko, ya isa a yi shawara, don abin da za a tuntuɓi zuwa ofis, kira zuwa layin waya ko magana da mai ba da shawara akan shafin.

Mafi yawan lokuta, don ƙin tsawaita ajiyar, dole ne ku tuntuɓi reshe na ma'aikatar bashi. Amma kawai ma'aikatan wani banki ne kaɗai za su iya tabbatar da buƙatar wannan.

Mataki 2. Rijistar aikace-aikacen

A reshe na ma'aikatar bashi, tabbas za ku cika rubutaccen bayani... Samfurin wannan takaddun ya bambanta a kowane banki, don haka ba shi da ma'ana don zana shi a gaba.

Mataki na 3. Karshen yarjejeniyar ajiya

Dangane da rubutaccen bayanin ajiya yarjejeniya ba tare da la'akari da ko an kara shi ba, za a dakatar da shi.

Yana da muhimmanci a sani! Aikace-aikacen ya zama dole don tabbatar da niyyar mai saka hannun jari na cire nasa kudaden.

Mataki na 4: Karɓar kuɗi

Mataki na karshe ya rage kawai karba kudade. Kuna iya samun su tsabar kudi ko canza zuwa wani asusu, ana nuna cikakkun bayanan su a cikin aikace-aikacen.

Ta wannan hanyar, karafa ƙara matakin riba na ajiya. Tsawaita kwangila ma zaɓi ne mai amfani. Yana da mahimmanci ba kawai don sanin abin da waɗannan ra'ayoyin suke nufi ba, amma kuma fahimtar menene fasalin su.

Bayan nazarin nasihu da umarnin da aka bayar a cikin labarin, kowa na iya zaɓar gudummawa mafi fa'ida daidai da abubuwan da suke so.

Muna kuma ba ku shawara ku kalli bidiyo kan abin da keɓaɓɓiyar sha'awa a kan ajiya ta kasance (+ misali na lissafin la'akari da sake saka jari ko haɓaka kuɗi):

Ofungiyar mujallar "RichPro.ru" suna jiran maganganu kan batun bugawa, kuma za su yi farin cikin amsa duk tambayoyinku!

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