Ajiyar banki (ajiya a bankuna) - menene wannan kuma wane nau'in ajiyar akwai + matakan 4 na lissafin ajiya

Barkan ku abokai masu karanta mujallar Ideas for Life akan layi. A yau za mu gaya muku abin da ajiyar banki suke da kuma irin nau'ikan ajiyar banki (adibas) da ke akwai, tare da ba ku umarni kan yadda zaku iya lissafin kuɗin da kansa.

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

A cikin wannan labarin, zaku koya:

• Menene ajiya kuma menene don;
• Waɗanne nau'ikan ajiyar banki sun fi shahara;
• Yadda za a lissafa fa'idar ajiya da kuma inda riba take saka kudi akan ajiya.

Hakanan a ƙarshen littafin zamu ba da amsoshi ga tambayoyin da akai akai akan wannan batun.

Game da menene ajiyar banki, wane nau'in ajiyar banki suke bayarwa, yadda za a lissafa riba akan ajiya ta amfani da lissafin kan layi - karanta a cikin wannan batun

1. Menene ajiya ko ajiya a banki - bayyani game da ma'anar ajiyar banki cikin kalmomi masu sauki 💸

Kudin shiga na yau da kullun hanya ce mai kyau ta samun kuɗi. Don ya zama mai ɗorewa da dindindin, saka hannun jari dole ne ya zama abin dogara kuma riba.

Kuna iya saka hannun jari a cikin tsaro, wasa akan musayar hannun jari, sanya hannun jari a cikin ƙasa. Duk hanyoyin suna da kyau a hanyarsu kuma suna da nasu kasada, ƙari kuma fursunoni... Sanya kudade a cikin adibas ko adibas hanya daya ce kiyayewa kuma ƙari tanadi.

Kalmar "ajiya" da "ajiya" suna da asali iri daya. Yawancin lokaci lokaci "taimako" Ya shafi mutaneda kuma ajalin "ajiya" - zuwa na shari'a.

Bank ajiya (ko ajiyar banki) - wannan kuɗin da aka sanya a cikin asusun bashi a cikin takamaiman adadin don takamaiman lokaci don samar da kuɗin shiga.

Kula! Adana shine mafi mahimmanci ra'ayi. Baya ga tsabar kuɗi, ya haɗa da:

• saka hannun jari na tsaro;
• gudummawa ga bangaren shari'a don tabbatar da shari’a;
• gudummawa ga kungiyoyin kwastandon tabbatar da biyan kudin kwastan;
• tabbatar da shiga cikin gwanjo.

A cikin mahallin labarinmu, ra'ayoyin "ajiya" da "ajiya" za'a ɗauke su daidai.

Gudummawa suna ɗaukar manyan ayyuka 2 (biyu):

1. Suna tabbatar da amincin tanadi da tanadi.
2. Sha'awar da aka tara akan adibas shine ingantaccen kudin shiga.

Kudin ajiya na iya zama na ƙasa ko baƙo... A halin yanzu, rubar Rasha ba ta da karko, don haka akwai ƙaruwa cikin shahara ajiyar dala ko ajiya a cikin kudin Tarayyar Turai.

Lura! Ayan ingantattun hanyoyin kiyaye tanadi shine sanya su a ciki daban-daban ago.

Adana banki, idan aka kwatanta da sauran hanyoyin saka hannun jari, suna da fa'idodi masu kyau.

Ribobi (+) banki:

• Adadin yana ba da tabbacin samun kuɗin shiga mai ɗorewa.
• Abu ne mai sauki ka bayar da gudummawa, baya bukatar ilimi na musamman. Ana iya buɗe shi ta yanar gizo ba tare da barin gida ba.
• Adadin gudummawar na iya zama kaɗan.
• Bank inshora inshora. Idan adadin ajiyar bai fi adadin inshorar ba, ba za ku iya jin tsoron rasa shi ba.

Babban rashin (-) ajiya – karamin sha'awa... Wasu lokuta ba ya rufe ƙimar kumbura. Kuna iya magana game da kudin shiga kawai idan kuna da adadin kuɗi.

Kari akan haka, idan aka cire kudin a baya fiye da lokacin da kwangilar ta kayyade, yawan adadin abin da aka tara ya zama kadan. Duk da wannan, manyan masu saka hannun jari sun fi son adana wasu ajiyar na su a cikin tsarin ajiyar banki.

Samun babban tanadi a hannu, dole ne mutum ya sami damar sanya su daidai don ya sami natsuwa da kwarin gwiwa a nan gaba.

Gaba, zamu yi nazarin irin nau'in ajiyar banki

2. Babban nau'in ajiyar banki (ajiya) depos

Bankuna, jawo hankalin kuɗi daga kwastomomi da sanya su a nan gaba, suna samun ribar kansu. Sabili da haka, yana da mahimmanci a gare su su fadada da'irar abokan ciniki koyaushe tare da ajiyar kansu. Cibiyoyin bashi suna ci gaba da haɓaka sababbin yanayi don ajiyar kuɗi, suna inganta tsarin buɗewar su da aiki.

Akwai ajiya daban-daban da yawa, waɗanda suka bambanta da yawa, sharuɗɗa, sharuɗɗan samarwa da fa'ida.

Duk gudummawar za a iya raba su 4 manyan nau'ikan. Bari mu bincika kowane ɗayansu a ƙasa.

Nau'in 1. Ajiyar lokaci

Ajiyar lokaci shine mafi mashahuri da yaduwa, yana da yanayi iri-iri iri-iri.

Karkashin ajiyar lokaci fahimci saka hannun jari a banki na wani takamaiman lokaci.

Kudin shiga ya dogara da adadin da lokacin sanya jarin. Zai iya zama a ciki 4-8% a kowace shekara (a cikin rubles), a cikin wasu bankuna mafi girma. Amma idan kwangilar ta ƙare da wuri, ana cajin mafi ƙarancin adadin.

Misali: Idan muka saka 50,000 rubles lokaci na shekara a karkashin 4,85% a kowace shekara, to, la'akari da babban haɓaka, samun kudin shiga zai kasance 2,427 rubles.

Nau'in 2. Adana ajiya

Ana iya kiran wannan gudummawar "Bankin Piggy"... Yana da halin yanayi mai sauƙi, ana iya sake cika shi, sashi ko kuma cire shi gaba ɗaya.

Sau da yawa yakan haɗu da shi zare kudi da katin, to ya zama ya dace don canja wurin wani adadin daga albashi zuwa gare shi don haka koyaushe akwai isasshen adadin kuɗi a hannu idan akwai yanayin da ba a zata ba. Mun rubuta game da abin da katin zare kudi yake nufi da yadda ya bambanta da katin kuɗi a cikin littafin da ya gabata.

Kudin riba a kan irin wadannan kudaden daga 1.5% a kowace shekara, watau tare da matsakaicin matsakaicin ajiya 50 000 rubles, na shekarar kuɗin shiga zai kasance 800 rubles.

Ba za ku iya samun kuɗi a kai ba, za ku iya kawai adana abin da kake tarawa.

Duba 3. Ajiye ajiya

An buɗe don tara kuɗi don siyayya mai tsada a nan gaba.

Yana da gaggawa, ana iya sake cika shi, amma ba za a iya janye shi ba har sai kwangilar ta kare. Don irin waɗannan adibas, ƙaramar ƙofar taimako, kudin ruwa — 5-8% a kowace shekara.

Misali: Don lissafi, zamu ɗauki waɗannan sigogin ajiya masu zuwa: adadi 50,000 rubles, ƙarin biyan kuɗi kowane wata 1,000 rubles, kashi 8% a kowace shekara.

Har shekara guda, asusun yana da adadin 65 440 rubles: 50 000 - jikin taimako + 11 000 - manyan-shekara a shekara + 4 440 - cajin riba

Nau'in 4. Nemi ajiya

Ana ƙayyade lokacin ƙimar su har sai mai ajiyar ya yi iƙirarin hakan. Waɗannan kuɗaɗen ajiya ba ana nufin su samar da kuɗin shiga ba. Babban mahimmancin irin waɗannan kuɗaɗen shine adana kuɗi ko tara wani adadi.

Kudin ruwa akan su kawai 0.01% a kowace shekara, kusan babu wata ƙaramar hanya - 10 rubles da 5 dala ko euro, wato daga sanyawa 50 000 rubles, kudin shiga na shekara zai kasance ne kawai 5 rubles.

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Amfanin riba a banki ɗaya ya banbanta a wasu lokuta, ya dogara da sharuɗɗan ajiya. Babban riba ya mallaki adibas tare da takamaiman takamaiman yanayi: lokaci fiye da shekara, takamaiman kashi, rashin yiwuwar janyewar wani bangare da sauransu.Rashin kudin ruwa ya fi yawa a kan ajiyar lokaci mai tsawo, a kan adadi na adadi mai yawa.

Dangane da cewa akwai ƙungiyoyin kuɗi da yawa waɗanda ke tsunduma cikin neman kuɗi daga masu ajiya, yana da wuya a yi zaɓi.

Don sauƙaƙe bincikenku riba mai amfani wanzu ayyuka na musamman, wanda a ciki ake tattara shawarwarin bankuna akan ajiya. Suna ba da aikin zaɓin yanayin saka hannun jari don sigogin mutum. Mai amfani yana buƙatar shiga jimla, lokaci da sauran mahimmanci sharuɗɗan ajiya kuma sabis ɗin zai ba da mafi kyawun yanayi na saka hannun jari.

Manyan alamomi 5 wanda zaku iya rarraba ajiyar banki

3. Raba abubuwan ajiyar banki ta manyan fasali признак

Kowa, har ma da mai ba da gudummawar kuɗi, ya fahimci wannan kuɗin ba zai yiwu ba tara ta hanyar ajiye su gefe "ƙarƙashin matashin kai". Kullum akwai jarabawar ciyarwa ko rancen su.

Kyakkyawan sani! Ajiyar banki ba zata iya karewa daga hauhawar farashi ba, amma hakan zai tanadi adanawa daga kashe kudi ba tare da tsari ba, kuma zai tabbatar da tsaron kudade.

Lokacin yanke shawarar sanya ajiya a banki, da farko, ya zama dole a fahimci yanayi da ribar da ake samu, don fahimtar ka'idoji da bukatun bankuna don sanya kuɗi a cikin ajiya. Babban fasalullan ajiyar adibas sune: lokaci, manufa, kudin, Indexing yiwuwar, matsayin mai ajiya.

Da ke ƙasa akwai rabe-raben ajiyar banki bisa ga manyan fasalulluka.

Alamar 1. Lokacin ajiyar

Tabbatattun sharuɗɗan ajiya sune daga 30 kwanaki kafin 3-5 shekaru... Asusun ajiyar kuɗi ba tare da takamaiman lokaci ana ware su azaman ƙungiya daban - poste restante.

Yana da daraja la'akari!Tsawon lokacin ajiyar, da a sama tabbacin samun kudin shiga akan sa.

Akwai ajiyar kuɗi waɗanda ke da alaƙa da takamaiman abin da ya faru: ranar haihuwa, Ranar Nasara. A iri-iri ne adana kuɗi tare da kwanakin ƙarewar mutum... Suna ba ku damar sanya tanadin hankali da samun iyakar kuɗin shiga.

Alamar 2. Dalilin ajiyar

Abubuwan banbanci na adibas sune ayyukan da aka ɗora mata:

• Akwai ajiyar kuɗi, wanda ma'anar su shine tara kuɗi don siye mai tsada - ajiyar kuɗi... Cibiyoyin bashi suna ba da shirye-shiryen tanadi na musamman: "Sabon Mota", "Sake cika ka siya" da dai sauransu
• Gudummawar da aka ƙayyade mafi ƙarancin ma'auni na asusunajiyar kuɗi... An buɗe shi zuwa wani lokaci, amma ba a hana shi amfani da shi a lokacin ba (ban da mafi karancin ma'auni). Waɗannan ɗakunan ajiyar suna ba ka damar gudanar da ajiyar ku yadda ya kamata, yayin samun ƙaramar kuɗi.
• Adadin da aka bayar ga wasu nau'ikan mutane ana kiran sa adibas na musamman... Abubuwan da suka fi dacewa shine ana lissafin sha'awa akan ragowar asusun ajiyar. Misali: lokacin da aka lasafta fansho a asusun mai fansho, kuma ba zai cire shi a cikin wata daya ba. Za a lasafta sha'awa a kan matsakaicin ma'aunin asusu.

Akwai ajiyar kuɗi waɗanda aka buɗe ba tare da takamaiman dalili ba, aikinsu shi ne adana kuɗi idan akwai yanayin da ba a zata ba.

Fasali 3. Kudin ajiya

Adana kuɗin ruble, kuɗin waje, multicurrency.

Ruble adibas da matsakaicin riba a cikin fan. Ya dogara da sake farashin, amma ana iya canzawa saboda yanayin tattalin arziki. Akwai ajiyar kuɗi tare da ƙayyadadden ƙimar riba. An shardanta wannan yanayin a yarjejeniyar ajiya.

Adana kuɗi a cikin kuɗin waje low interest an caje shi. Amma yana da karko kuma, saboda tsananin hauhawar farashi, duk da girmansa, a cikin jimillar jimla, yawan amfanin da aka samu akan waɗannan ɗumbin kuɗin na iya zama sama da na ruble (ya danganta da kudin musaya).

Mafi riba shine ajiyar kuɗi da yawa... A matsayinka na mai mulki, ana buɗe su a cikin agogo uku: rubles, Yuro, Dalar Amurka... Amfanin wannan nau'in saka hannun jari shine ikon canja wurin wani sashin ajiya zuwa wani ya dogara da canjin canjin kuɗi. Ana lissafta sha'awa daban don kowane waje kuma ana canza ta bisa buƙatar mai ajiya.

Kyakkyawan sani! Ana iya bayar da adibas ba kawai a cikin kuɗi ba, har ma a wasu ƙimomin.Misali, a cikin karafa masu daraja. Amfanin ribar ajiya a wannan yanayin zai dogara ne da ƙimar kasuwa na ƙarafa masu daraja a ranar musayar su da kuɗi.

Fasali 4. Matsayin mai ba da gudummawa

Samun dama don saka kuɗi na jiki kuma na shari'a fuskoki.

Nau'i mutane hada da dukkan 'yan asalin Tarayyar Rasha, baƙi. Asusun ajiyar su ya sami inshora daga Hukumar Inshorar Asusun ajiya (DIA) don adadin kafin 1 400 000 rubles... Kara karantawa game da inshorar ajiyar mutum a ɗayan labaranmu.

ZUWA ƙungiyoyin shari'a hada da kamfanoni da kungiyoyi daban-daban. Gudummawar su ba inshora kuma sun dogara gaba daya ga bankin da ke rike da kudaden. Bankin ke saita kudin shiga akan irin wadannan kudaden daban-daban, ya danganta da adadin da lokacin su.

Irin wannan ba bankuna ne ke tallata shi musamman ba. Ya fi fa'ida a gare su su yi amfani da adadin da kamfanoni suka tara a kan asusunsu na yanzu kyauta. Kodayake irin waɗannan kuɗaɗen suna da fa'ida sosai ga kamfanoni, saboda gaskiyar cewa ana tara kuɗaɗe a kan asusun na yanzu.

AF, akwai masu ajiya ba wadanda abokan cinikin bankin ne, burin su shine samun kudi a bankin.

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Yawancin adadi yana bawa mai ajiya damar zaɓar mafi kyawun yanayi don saka hannun jari da tabbatar da kyakkyawan ribar aikin.

Jagora mataki-mataki don kirga gudummawar

4. Yadda za a kirga gudummawar - manyan matakai guda 4 na kirga ribar ajiya the

Bankuna, tara kudaden masu ajiya, suna rarraba su kuma suna samun riba. Masu riƙe da tanadi suna samun nasu kashi na ribar banki.

Duk shafukan yanar gizo na cibiyoyin bashi suna da masu kirga kudi, ba ka damar bayyana adadin riba a kan wani ajiya. Idan kuna da wata matsala, zaku iya tuntuɓar manajan banki wanda zai iya ba da amsar duk wata tambaya da za ta iya tasowa.

Kuna iya lissafin fa'idodin ajiyar da kanku don tabbatar da zaɓin ajiyar. Wannan aikin ya ƙunshi matakai da yawa, wanda aka bayyana dalla-dalla a ƙasa.

Mataki 1. Tabbatar da tsarin lissafin sha'awa

Adadin a cikin ƙa'idodin ƙa'idodi an daidaita shi yarjejeniyar ajiya, hanyar ƙididdige sha'awa kuma an ƙaddara a can.

Akwai hanyoyi 2 don lissafin sha'awa:

1. sauki;
2. babban haɓaka

Wata dabara mai sauki ita ce tara riba akan ajiya na wani lokaci, saidai wannan adadin bai canza ba.

Idan ana samun yawan kuɗi, ana ƙara ribar da aka tara zuwa adadin adadin ajiya tare da wani takamaiman mita, jikin ajiyar yana ƙaruwa, kuma ana tara ribar don adadi mafi girma. Wannan hanyar tarawa ita ce mafi riba ga mai ajiya, amma bambancin zai kasance mai mahimmanci kawai tare da adadi mai yawa.

Munyi magana dalla-dalla game da menene asalin ajiyar ajiya da yadda ake lissafin kudin shigar da aka samu tare da babban riba a ɗaya daga cikin al'amuranmu na baya.

Mataki 2. Aiwatar da dabara mai sauƙin tarawa

Don yin wannan, kawai lissafa yawan adadin, la'akari da lokacin sanyawa, ta amfani da dabara:

Tsarin don lissafin sha'awa akan ajiya

Misali: Adadin ajiya 50 000 rubles, tsawon lokaci 90 kwanakin, kudin ruwa 5% a kowace shekara.

Kudin shiga cikin watanni 3 zai zama: 50 000*90*0.05/365=616 rubles.

Mataki na 3. Mun ƙididdige ƙididdigar haɓaka da ƙimar fa'ida mai amfani

Adadin kuɗin shiga na ƙarshe zai dogara ne da yawan adadin kuɗi da aka tara zuwa babban adadin adadin ajiyar.

Yana da mahimmanci a yi la'akari! Tare da haɗin kowane wata, yawan kuɗin zai kasance a ƙasafiye da na kwata, da dai sauransu.

Yawan tasiri kudi ya dogara da adadin ƙananan abubuwan da aka samar kuma zai dace da wannan lambar.

Misali: Tare da gudummawa 50 000 rubles, na wani lokaci a kan 3 watanni tare da haɓaka kowane wata, a karkashin 5% shekara-shekara don wata na biyu, za a caji riba daga adadin 50 205 rubles (205 - sha'awa ga watan farko), da dai sauransu Na tsawon watanni uku, jimillar zata kasance 50 633 rubles... Matsakaicin riba zai kasance 5,02%.

Mataki 4. Lissafin ribar ƙarshe

Kuna iya lissafin ribar ta amfani fili sha'awa, ko zaka iya amfani dashi ajiya kalkuletacewa kowane banki yana da.

Don ƙayyade iyakar dawowa akan ajiyar, zaku iya bincika hanyoyi daban-daban na tarawa:

Misali: Tushen shine ajiyar shekara shekara na 100,000 rubles, tare da daban-daban karafa kuma daidai yake kudaden ruwa, ba tare da cikawa ba.

Tebur na tasirin haɓaka (yawanta) akan ƙimar tasiri da ribar ƙarshe akan ajiya:

Manuniya	Zaɓuɓɓukan ajiya
	1 ajiya	2 ajiya	3 ajiya
Kudin sha'awa	8%	8%	8%
Itarfafawa	a'a	kowane wata	kwata kwata
Riba (rubles)	8 000	8 299	8 243
Amfani mai amfani mai amfani	8%	8,30%	8,24%

Misalin ya nuna a sarari yadda karafa yana tasiri tasirin riba mai tasiri akan ajiya. Mafi yawan lokuta yakan faru, mafi girman ribar (idan har mai ajiyar bai cire ribar da aka tara ba).

A kan aiki, ajiyar kuɗi tare da haɓaka kowane wata suna da ƙarancin matsayi fiye da na kwata ɗaya.

Yadda ake saka kuɗi daidai - umarnin mataki zuwa mataki don masu farawa

5. Yadda ake saka kudi a banki - matakai 4 masu sauki 📝

Bankuna suna ba da shirye-shiryen ajiya iri-iri don jan hankalin abokan ciniki. A cikin kowace cibiyar ba da lamuni, akwai zaɓuɓɓuka da yawa don saka hannun jari.

Yana da daraja fahimtacewa irin waɗannan shirye-shiryen da yawa sun fi tallatawa fiye da tayin yanayi daban daban.

Bayan yanke shawara don sanya wani adadi na ajiya a cikin banki, mai ajiyar yana bin manufar adana tanadi da samun ɗan kaɗan. Adadin irin wannan kuɗin shiga yana dogara da zaɓin cibiyar bashi.

Da ke ƙasa an yi bayani dalla-dalla umarnin mataki-mataki akan bude ajiya, bayan karanta wanne, zaka iya kaucewa kurakurai da yawa da kiyaye lokacin ka.

Mataki 1. Zabar banki

Duk da cewa DIA (kamfanin inshora na ajiya) sun inshora a cikin bankuna, kuna buƙatar zaɓar ƙungiyar amintacce, amintacciya. Wanene yake son jiran dawowar nasu lokacin da aka kwace lasisin bankin?

Lokacin zabar banki, ya kamata ku kula da manyan alamun 2:

1. DogaraKuna iya bincika bankin ta hanyar kimantawa; sake dubawa na abokin ciniki; rahotanni da aka buga a shafin.
2. Samuwar.Lokacin zabar banki, yakamata mutum yayi la'akari da gaskiyar nesantarsa ​​daga wurin zama ko kasuwanci. Yana da sauƙi don samun ajiya a banki "a cikin nisan tafiya".

Zai fi kyau a buɗe ajiya a cikin rukunin kuɗin da kuka riga kuka kasance abokin ciniki (mis, nemi rance ko buɗe asusu na yanzu don daidaikun entreprenean kasuwa). Bankuna suna da aminci ga abokan cinikin su kuma suna iya ba da kyawawan yanayin ajiya (musamman ga abokan cinikin VIP).

Mataki na 2. Zaɓin shirin don sanya kuɗi

Shafukan yanar gizon bankunan suna da dukkan bayanai game da yanayin, nau'ikan adana kuɗi. Zai yuwu a kirga kudin shiga ta amfani da kalkuleta na kan layi. Sabili da haka, ya zama dole a yi lissafin duk zaɓukan saka hannun jari a hankali kuma zaɓi mafi kyau.

Babban sigogin gudummawar, waɗanda ke buƙatar kulawa ta musamman ga:

• kashi;
• yiwuwar sake cikawa / janyewa;
• yawan karuwar sha'awa, kasancewar haruffa;
• farkon karbo bukatun.

Mahimmanci don la'akari! Ba za ku iya dogaro da ƙimar kuɗin riba ba kamar na asali. Mafi kyau, ta amfani da kalkuleta, ƙididdige kuɗin shiga don takamaiman nau'in ajiya.

Har ila yau mahimmanci shine jeri lokaci... Zai fi kyau a tsawaita yarjejeniya fiye da cire ajiyar kafin lokacin ba tare da sha'awa ba.

Kuna iya tuntuɓar ayyukan zaɓi na ajiya... A can akwai yiwuwar shigar da sigogin ajiyar kuma shirin zai ba da kyakkyawan yanayin saka hannun jari.

Mataki na 3. Sa hannu kan kwangilar

Conclusionarshen yarjejeniyar ajiya hanya ce ta daidaitacciya kuma baya gabatar da wata matsala.

An gabatar da banki fasfo (don 'yan ƙasa na Tarayyar Rasha) ko wani takaddar shaida (don baƙi na ƙasashen waje), sannan kuma katin da ke dauke da sa hannun samfurin an cika su don yiwuwar shaidar mutum. Bugu da ƙari za ku iya buƙata ID na soja kuma mazauni.

Nau'in kwangilar daidaitacce ne; yayin sa hannu, kula da shi jimla, lokaci, kudin ruwa da sauran muhimman mahimmancin ajiyar. Bayan sanya hannu, kwafin yarjejeniyar an tura shi zuwa mai ajiyar. Lokacin yin ajiya akan layi, ana aika kwangilar zuwa e-mail mai ajiya.

Mataki na 4. Sanya kudade ga mai amsar kudi da kuma karbar tabbacin bude ajiya

Mai ajiya ya ajiye tsabar kudi a teburin tsabar kudi na banki, ya karba a hannun shi bankin da aka karba rasit na kuɗi tare da sa hannu da hatimin ma'aikacin bankin da yarjejeniyar ajiyasanya hannun bangarorin biyu. Waɗannan takardun tabbaci ne na buɗewar ajiyar.

A wasu lokuta, ana iya bayar da mai ajiya littafin tanadi... Suna zama sannu a hankali abubuwa na da, yanzu ana samun wadatar adibobi tare da buɗe asusu na katin... Idan ka haɗa bankin Intanet da irin wannan katin, zaka iya lura da duk ayyukan ajiyar.

Bankuna da yawa suna ba da sabis na buɗe ajiya a kan layi. Ta amfani cewa babu buƙatar zuwa ƙungiyar banki, tsayawa cikin layi, jira.

Domin ajiya ta kan layi kuna buƙatar zuwa rukunin bankin da aka zaɓa, yi rajista a kai. Haɗa sabis ɗin a cikin keɓaɓɓen asusunku "Bude ajiya".

Bugu da ari, dangane da nau'in ajiyar, kuna buƙatar shigar da bayanai, nuna cikakkun bayanan asusun daga inda za a cire kuɗin zuwa ajiyar. A wannan yanayin, tabbatar da buɗewar ajiya zai zama takaddar yanar gizo mai alama "An gama".

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Don haka, za a iya lura cewa ba shi da wuya a buɗe ajiya, babban abu shi ne cewa yana kawo ribar da ake tsammani.

6. Ina mafi kyawun yanayi don ajiya - Bankunan TOP-3 tare da kyawawan halaye na ajiya 📋

Don su sami kwarin gwiwa a cikin jarinsu, sun zaɓi ajiya daga bankunan abin dogaro. Neman samun sakamako mai yawa na iya haifar da mummunan sakamako.

Idan aka cire cibiyar bada bashi lasisi, to matsakaicin da zaka iya dogaro shine dawowar adadin ajiyar tare da ribar da aka riga aka lasafta cikin asusun. Ba a ƙara amfani da sha'awa bayan an soke lasisin, dole ne ku jira karɓar kuɗi daga 1 watanni da ƙari... An bayar da wannan cewa an saka inshorar.

Kula! Lokacin zaɓar inda za a saka kuɗi, yana da kyau a bi ƙa'idar "Kadan ya fi kyau".

Da ke ƙasa an zaɓi TOP - bankuna 3, wanda ke ba da kyakkyawan yanayi don sanya ɗakunan ajiya kuma yana da babban matakin aminci.

1) Sberbank

Babban banki mafi girma kuma mafi amintacce a cikin Tarayyar Rasha - Sberbank... Abokan ciniki sun fi yawa Mutane miliyan 139 a duniya. Yana da cibiyar sadarwa mafi girma, ofisoshin wakilai da rassa a cikin kasashe makwabta, Turai, Asiya, da Amurka. A wannan batun, ya dace wa abokan ciniki amfani da ayyukanta.

Darajar la'akari, sikelin banki ya bashi damar kasancewa ba wayar hannu sosai, jawo hankalin masu ajiya ba a mafi girman ƙimar, amma mai ƙarfi kuma abin dogaro.

Yankin adadin ajiyar kudi a banki yana da fadi sosai. Anan aka ba da shawara shirye-shirye daban-daban ga manyan masu ajiya da wadanda ke bukatar adana kudadensu, shirye-shiryen sadaka.

Zaka iya bude ajiya a cikin rubles, Yuro, daloli... Ana gabatar da dukkan sharuɗɗa akan gidan yanar gizon kamfanin tare da ikon yin lissafin yawan kuɗin shiga. Zai yiwu a buɗe ajiya ta amfani da asusun sirri Sberbank akan layi.

Mafi qarancin ajiya ƙofar low, saboda haka masu ajiyar banki kwastomomi ne tare da matakan samun kuɗi daban-daban. Kudin sha'awa ba matsakaici bane. Kuna iya samun kudin shiga mai kyau kawai batun saka jari mai yawa.

Bankin yana jan hankalin kwastomomi da alamunsa da kasancewar yawancin rassa da ƙarin ofisoshi.

2) VTB 24

Bankin na ɗaya daga cikin manyan kamfanonin bashi na Rasha. Mayar da hankali kan aiki tare da masu zaman kansu, karamin kasuwanci, 'yan kasuwa... Idaya game da abokan ciniki miliyan 12 mutane, suna da babbar hanyar sadarwa reshe. Yana da ƙimar ƙwararrun ƙwararru.

Tayi fadi da kewayon shirye-shiryen ajiya, Sharuɗɗan buɗewa waɗanda aka gabatar akan gidan yanar gizon su akan Intanet. Har ila yau, ana kirga fa'idar ribar daga wurin. Bankin yana ba da sabis na buɗe ajiya nesa. Ana buɗe adibas a kowane waje (rubles, Yuro, dala).

Babban isa ajiya ƙofar yana samar da kwararar abokan ciniki. Mafi girma kudin ruwafiye da a cikin Sberbank, tsawon lokacin ajiya kafin 5 shekaru, tare da kyakkyawan matakin aminci yana ba da gudummawa VTB 24 mashahuri abu saka jari.

3) PJSC Bank FC Otkritie

Bankin yana aiki a kasuwar kuɗaɗe Kara 20 shekaru, shine babban banki mai zaman kansa a cikin Tarayyar Rasha. A cewar hukumar tantancewar "Gwani RA" daukan 7-th wuri dangane da jari na adalci. Tana da rassa a yankuna 52 na Rasha, game da abokan ciniki miliyan 3.5 mutane.

Bankin yana da cikakken sabis na atomatik na ɗaiɗaikun mutane. Zaku iya zanawa, zubar da, cire kudaden ajiya yayin ziyarar kai tsaye zuwa banki ko ta hanyar wayar hannu... Akwai kuma Bankin Intanet.

Kuna iya buɗe ajiya a cikin kowane irin kuɗi. Cibiyar bayar da bashi ta bayar fadi da kewayon adibas.

Bankin yana da matsakaici gudummawar shigasamuwa ga abokan ciniki da yawa. Yanayi masu dacewa da girma kudin ruwaba da kyakkyawar dawowar ajiya.

Theungiyar bashi tana ba da ƙarin fa'ida akan adadin da aka buɗe kan layi don kara shaharar wannan sabis din.

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Da ke ƙasa kuma tebur ne mai taƙaitawa don tsabta. by 6-to manyan bankuna tare da mafi qarancin adadin ajiyar da kuma iyakar adadin riba akan sa.

Tebur mai kwatankwacin adana a bankuna daban-daban tare da alamomin mafi karancin hanyar bayar da gudummawa akan su:

№	Creditungiyar bashi	Min. adadin ajiya, dubu rubles	Max. kashi a kowace shekara
1	Sberbank	1	5,63
2	VTB 24	200	7,40
3	Ana buɗewa	50	9,25
4	Rosselkhozbank	50	8,75
5	Bankin Ural don sake ginawa da ci gaba	5	9,00
6	Bankin Tinkoff	50	9,45

Don haka, yanayi daban-daban da ƙimar yawan kuɗin ruwa suna bawa abokin ciniki damar zaɓar banki da ƙimar riba mai kyau.

7. Yadda ake zaba da kuma tsara ajiyar banki daidai - nasihu 5 masu amfani daga masana 💎

A baya, don buɗe ajiya, ya zama dole a keɓe bankunan birni, zaɓi yanayin da ya dace kuma a tsaya a layi a cibiyar zaɓin rancen da aka zaɓa. Wannan ya buƙaci lokaci (lokutan aikin bankuna galibi sun dace da lokutan aikin kamfanoni) kuma ma'ana.

Yanzu yi shi sosai mai sauki, mafi dacewa kuma sauri.

Don samun matsakaicin riba da fa'idar ma'amala, muna ba da shawarar cewa ku fahimci kanku gwani shawara a cikin wannan yankin.

Tukwici 1. ofimar kuɗin ruwa bai kamata ya zama ginshiƙin abin da aka zaɓa ba

Lokacin buɗe ajiya, an biya babban hankali ga ƙimar riba. Zai yi kama da cewa komai daidai ne, asusun yana cikin inshora, babu buƙatar damuwa game da asarar su. Amma gaskiya ne kawai idan har bankin bashi da matsalar kudi.

Darajar la'akaricewa yayin wa'adin yarjejeniyar ajiyar, ana iya kwace lasisin bankin. Sannan za ku dawo da adadin ajiyar tare da ƙaramar riba. A lokaci guda, lokacin da aka sanya shi a cikin amintaccen ma'aikatar bashi a ƙarancin riba, kuɗin mai ajiyar na wannan lokacin zai kasance mafi girma.

Ya zama dole ayi la'akari da yanayin yanayin shirin: Samuwar kuma Yawan yawan kuɗi ta hanyar ajiya, yiwuwar sake cikawa kuma cirewa da dai sauransu

Tukwici 2. Kasa gudummawa daya zuwa daya

Yana da mahimmanci a tuna: "Ba za ku iya adana dukkan ƙwai a cikin kwando ɗaya ba." Wannan maganar tana kwatanta cikakkiyar shawara.

Idan kuna da adadi mai yawa, zai fi kyau ku rarraba su zuwa bankuna daban-daban.

Idan aka kwatanta da ajiya ɗaya, buɗe ɗumbin ajiya a banki daban-daban yana da fa'idodi masu zuwa:

• rage haɗarin rasa samun kuɗi idan har akwai matsalar kuɗi ga bankin;
• ikon zaɓar mafi kyawun yanayin mutum don sanya kuɗi.

Iya bude ajiyar kuɗi da yawawanda kuma yana da fa'idarsa.

Fa'idodin ajiyar kuɗi da yawa:

• ikon iya sarrafa asusu kyauta;
• idan ya cancanta, zaka iya canza ajiya;
• rage asara daga hauhawar farashi.

Mafi kyawun zaɓi shine sanya ajiya daidai gwargwado a cikin agogo uku: rubles, daloli, Yuro.

Mutumin da baya tsoron haɗari kuma yana son koyon yadda ake sarrafa jarin sa na iya buɗewa saka jari.

Wani fasali na ajiyar saka hannun jari shine rabon ajiyar zuwa kashi 2:

1. taimako;
2. saka hannun jari a cikin asusun bai daya (asusun bai daya).

Ana lissafin riba akan ajiya a cikin daidaitaccen yanayin. Fa'idar saka hannun jari cikin asusun bai ɗaya ya dogara da dalilai da yawa. Bugu da ƙari, abokin ciniki ne ya zaɓi abin saka hannun jari da kanka.

Don haka, ta hanyar buɗe ajiyar saka hannun jari, zaku iya samun kuɗi mai kyau tare da sa'a, ko kuma ku rasa rabin adadin idan saka hannun jarin bashi da riba.

Tukwici 3. Sanya kuɗi kawai a cikin cibiyoyin bashi

Idan ta hanyar sanya ajiyar shi a cikin ajiya, mai ajiyar yana fatan dawo da su, to ba zai iya ba amince da kamfanonin da ba a tantance su ba wadanda ke yiwa kwastomomi kwatankwacin kaso mai yawa.

Wajibi ne don amfani kawai ga waɗancan cibiyoyin bashi waɗanda aka saka inshorar su a ciki Asusun Inshorar ajiya (DIA). Ana samun jerin su akan gidan yanar gizon Hukumar da Babban Bankin Tarayyar Rasha.

Mahimmanci! Sau da yawa, gamayyar ƙungiyoyin bada bashi, ƙungiyoyi da sauran al'ummomin kuɗi suna watsa bayanai game da inshorar ayyukan su. Yawanci, wannan shine talla stunt.

Idan farashin kuɗin da suke bayarwa suna da kyau sosai ga abokin ciniki, to lallai yakamata ku bincika bayanin game da waɗannan kamfanonin.

Akwai hanyoyi da yawa don kimanta amincin cibiyar bashi:

• Yayin ziyarar kai tsaye zuwa ofishin kamfanininda duk takardu zasu kasance cikin yankin jama'a;
• Duba gidan yanar gizon kamfanin. A lokaci guda, yana da daraja a kula da tsawon sabis, girman kadarori, yawan abin alhaki don wajibai;
• Nazarin nazarin abokin ciniki a kan tattaunawar tattaunawa mai zaman kanta.

Zaiyi wahala maras ƙwarewa ya fahimci duk abubuwan da ke tsakanin su, akwai yiwuwar samun faɗuwa a hannun abokan rashin gaskiya.

Tukwici 4. Gaskiyan kiyasta lokacin ajiyar

Tsawon lokacin ajiyar, mafi girman ribar da ke kanta. Idan aka ware kudade na dogon lokaci, to babu shakka ya kamata a sanya su a mafi yawan kudaden ruwa.

Koyaya, yana da daraja la'akari cewa idan har an gama kwangilar da wuri (ba wanda ya sami inshora daga yanayin da ba a zata ba), ana tara ribar akan ajiya m, ma'ana, ba za ku iya samun kuɗi a kai ba.

Idan ba ayi ajiyar don wasu dalilai na musamman ba: siyan gida, tafiya, da dai sauransu, zai fi kyau a zabi matsakaita lokacin sanya kudade.

Tukwici 5. Zai fi kyau a zabi jumloli mafi sauki da fahimta

Ana aiwatar da kamfen talla na bankuna don jan hankalin masu ajiya kamar yadda ya kamata. Daban-daban "kyawawan yanayi" da kyaututtukan kyaututtuka an ƙirƙira su. A zahiri, sau da yawa yakan zama kawai farfaganda.

Idan kai ba masanin harkar kuɗi bane, zai fi kyau ka zaɓi shirye-shirye masu sauƙi, wanda za'a iya lissafa ribar sa da kanka.

Yanayi masu dacewa da fahimta, banki abin dogaro - duk abin da kuke buƙata don sanya ribar kuɗin ajiyar ku.

Samun adadin kuɗi kyauta, zaku iya yin dindindin tushen m samun kudin shiga, wanda zai zama kyakkyawan lada ga kasafin kuɗi na iyali.

8. Tambayoyi akai-akai akan ajiyar banki and

Gaba, zamu amsa mashahuran tambayoyi akan wannan batun.

Tambaya 1. Menene ajiyar kuɗaɗe?

Adana hannun jari kayan aiki ne na kudi don sanya kudade. Babban fasalin sa shine rabe-raben kudade zuwa ainihin taimako kuma a kan saka hannun jari a cikin kudaden saka jari.

Ana ba da wannan sabis ɗin ta cibiyoyin bashi waɗanda suke alaƙa da su kudin juna (Kuɗaɗen kuɗi). Galibi ana raba adadin ajiya 50/50... Amma adadin ajiyar kawai za a inshora a cikin DIA.

A yau waɗannan nau'ikan ajiyar kuɗi sanannen nau'in sabis ne na kuɗi. Wannan saboda karba ne akansu riba mafi girmafiye da daidaitattun adibas. Kari akan haka, mai ajiya ya samu kwarewar saka jari tare da ƙananan haɗari.

Daya bangaren, rabon ajiyar zuwa bangarori biyu yana bada tabbacin amincin ajiya da kuma karbar karamin karamin kudin shiga akan sa.

A wannan bangaren, ana ba da dama don karɓar riba sau da yawa tare da saka hannun jari mai fa'ida ko rasa kuɗin da aka saka a cikin kuɗaɗen haɗin gwiwa.

Sharuɗɗan saka hannun jari sune:

• babbar hanyar shiga;
• gajere;
• rashin yiwuwar tsawaitawa.

Tambaya 2. Adadin ajiya - menene?

Akwai ajiyar banki, wanda yanayin sa shine yiwuwar sanya jadawalin kudin ruwa ya danganta da ƙimar wasu kadarori. misali, tsaro, farashin canjin dala, farashin RTS, hauhawar farashin kaya, da sauransu..

Idan kadarar ta girma, mai ajiya ya sami ƙarin riba, idan kuma kadarar ta faɗi, sai a ɗora kuɗin a matsayin na ajiyar kuɗi "poste restante».

Tambaya 3. Menene lissafin ajiyar bankin kan layi?

Kwanan kwanan nan, don fahimtar irin fa'idar da ke cikin sanya kuɗi a cikin ajiya, dole ne ku je banki, ku tsaya kan layi don tuntuɓar mutum. Yanzu komai ya zama mai sauki kuma mafi dacewa.

Duk rukunin yanar gizon bankuna sun ƙunshi bayani game da shirye-shiryen da aka tsara don tara kuɗi don ajiya. Ingantaccen bidi'a shine samuwar lissafin ajiya na kan layi (kalkuleta na ajiya)... Yana ba da dama don ƙididdige fa'idodin wani shiri don ƙayyade mafi kyawun yanayi.

Lissafi na kan layi shiri ne wanda aka tsara musamman don takamaiman ƙungiyar kuɗi, wanda ya haɗa da duk sharuɗɗan ajiya na takamaiman banki.

Ta amfani da kalkuleta na kan layi, zaka iya lissafin yawan riba, ko yawan kudin shiga, ajiyar banki (ajiya) zai kawo maka

Calculaididdigar ajiyar kuɗi tana taimakawa don ƙayyade nau'in da ajalin ajiyar, yana da ban sha'awa da sauri don su yi aiki.

Bugu da kari, yana da matukar wahalar lissafin adadin kudin shiga da hannu yayin da ake samun karin kudin ruwa da kuma cike kudaden. Kalkaleta na kan layi don jimre wannan aikin nan take.

Tambaya 4. Ta yaya za a kirga fa'idodin akan ajiya ta amfani da kalkaleta na kan layi?

Kalkaleta na kan layi yana taimakawa wajen ƙididdige yawan ribar saka hannun jari a cikin ajiyar ma'aikatar bashi.



Abubuwan daidaitattun abubuwan kalkuleta masu ajiya waɗanda dole ne a shigar dasu don lissafin sune:

• adadin da kudin ajiyar;
• kudin ruwa;
• bayani game da tsarin kuɗi;
• lokacin ajiyar (ranar buɗewa / rufewa).

Parametersarin sigogi, dangane da takamaiman nau'in gudummawar, na iya zama nau'in fare, jimla kuma yawan cikawa/ cirewa da dai sauransu

Bayan shigar da bayanai a cikin shafi "Sakamakon" yiwuwar samun kudin shiga don takamaiman ajiya za a lissafa ta atomatik.

Yana da muhimmanci a sani! Tsarin don kirga riba daidai yake a duk bankuna, saboda haka, idan babu lissafin kan layi akan gidan yanar gizon bankin da aka zaɓa, zaku iya yin lissafin ta amfani da wani shirin ta hanyar shigar da abubuwan ku a ciki.

A cikin labarin, mun yi ƙoƙari don rufe duk manyan abubuwan da saka hannun jari a cikin ajiyar banki. Gabatar da ku zuwa shahararrun sharuɗɗan ajiya; ya nuna yadda ake lissafin kudin shiga.

Babban ƙaddarar da za a iya zana daga nazarin kasuwar ajiyar sune kamar haka:

1. Don samun riba mai mahimmanci, kuna buƙatar samun kuɗi mai yawa;
2. Adana wata hanya ce mai kyau don adanawa da adana kuɗi daga hauhawar farashi da kuma daga kai, da kuma kyakkyawar hanyar adana don siye mai girma a nan gaba;
3. Wannan ma'amala yana da ƙananan haɗari idan aka kwatanta da sauran hanyoyin saka hannun jari;
4. Karɓar kowane, ko da mara mahimmanci, amma yawan adadin kuɗin shiga na yau da kullun, sa ma'amalar saka hannun jari a cikin ajiya / adibas masu kyau da buƙata.

Muna ba ku shawara ku kalli bidiyo game da abin da ajiyar banki (ajiya a banki) yake cikin sauƙi kalmomi:

Sanya ajiyar ku ta hanyar amfanuwa da aminci, duk wani haɗarin da yakamata ya zama mai hankali kuma bashi da mahimmanci ga kasafin kuɗin iyali. Fatan alheri ga kowa da kowa sai anjima!

PS Ideungiyoyinmu don Rayuwa ƙungiyar za su yi farin ciki matuƙa idan ka raba ƙwarewarka da ra'ayoyin ka kan batun bugawa a cikin maganganun da ke ƙasa!

Kalli bidiyon: HASSANA DA HUSSAINA EPISODE 14:Labarin yan biyu me taba zuciyar me sauraro (Mayu 2024).