Adana masu riba a bankuna: a cikin rubel, dala da euro - ta yaya kuma a wane banki ya fi kyau a buɗe ajiya ga mutane a cikin babban riba + hanyoyin TOP-3 don kwatanta ajiya a bankuna

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Barka dai, masoyan ku masu karanta Ra'ayoyin Rayuwa mujallar kudi! A cikin wannan labarin za mu gaya muku yadda za a kwatanta da zaɓi mafi riba mai ajiya ga mutane, a cikin wane banki ya fi kyau a buɗe ajiya a cikin rubles / dollars / euro a babban ribakuma kuma bayar kimanta bankuna tare da yanayi mai kyau na adanawa da ajiya.

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

Bayan karanta kayan, zaku sani:

Yadda za a zabi jarin gaske mai fa'ida;
Waɗanne matakai ya kamata a ɗauka don buɗe ajiya a banki a cikin babban riba;
Waɗanne bankuna suna ba da kuɗin ajiya mai fa'ida ga mutane a cikin ruble, dala, euro;
Waɗanne hanyoyi za a iya amfani dasu don kwatanta ajiyar bankunan daban-daban.

A karshen littafin, a al'adance za mu amsa tambayoyin da ake yawan yi.

Wannan labarin zai zama da amfani ga duk wanda ya zaɓi ajiyar banki don buɗewa. Kari kan haka, zai zama da amfani a yi karatun littafi mai kyau game da wadanda suke son kudi.

Don haka mu tafi!

Yadda za a zaɓa da buɗe ajiya a cikin banki a cikin babban riba, wanda bankuna ke ba da kuɗin da ya fi kowane riba ga mutane, yadda za a kwatanta abubuwan da aka zaɓa - karanta a yanzu!

1. Menene ajiyar kuɗaɗe a bankuna don - manyan manufofin 3 don buɗe ajiya 📑

Gabaɗaya bude ajiya - hanya mai sauƙi wacce ba ta buƙatar adadi mai yawa na ilimi. Mafi yawanci, ana samun tambayoyi game da dalilin buɗe ajiya. A gefe guda, babu wani abu mai rikitarwa a nan. Manufar shine a adana kuɗin kansu da haɓaka shi ga kowa da kowa.

Koyaya, irin wannan niyyar ba su kaɗai ba. Da yawa suna kawo kuɗin kansu ga cibiyar bashi da wasu dalilai. Wadanda suka shahara sune cikakkun bayanai a kasa.

Manufar 1. Adana kuɗi daga hauhawar farashi

Adana kuɗi a gida bashi da amfani, tunda a wannan yanayin suna cikin haɗari sosai. Ana iya sace kudi, zai kone a wuta. Amma yawanci yawanci tanadi yana cutarwa kumbura... Wannan lamari na tattalin arziki na iya rage ƙarfin sayan kuɗi sosai.

A lokaci guda, kusan kowane irin asusun banki - tarawa, gaggawa har ma poste restante kyale iyakance cutarwa sakamakon hauhawar matakai.

Ya zama cewa shirye-shiryen saka hannun jari na ƙungiyoyin bashi suna taimakawa don dawo da ikon siyan kuɗi ba tare da wani ƙoƙari na musamman ba.

Bugu da kari, adana kudade a bankuna ana kiyaye su daga barayi, gobara da sauran tasirin tasiri.

Burin 2. Tattara manyan kudade

Akwai mutanen da suke da wahalar tara koda ƙananan kuɗi. Kudadensu ba su taba jinkiri ba. Duk abin da irin wadannan mutane suka samu ana kashe su ba tare da wata alama ba. Sakamakon haka, lokacin da ake buƙatar adadin kuɗi mai yawa, ba sa nan.

Irin waɗannan mutane cikakke ne ajiyar lokaci... Irin wa ɗannan adibas ana yin su ne don wani takamaiman lokaci kuma ba su ba da kuɗin cire wani bangare ba.

Idan ana buƙatar kuɗin kafin lokacin, mai ajiyar zai rasa sha'awa. Wasu bankuna suma suna bayarwa hukumar don kare ajiyar kafin lokacin. Ya zama cewa akwai yiwuwar masu karɓar haƙuri waɗanda suka yi ajiyar lokaci za su karɓi kuɗi ƙasa da na farko.

Idan aka dakatar da ajiyar da wuri, adadin dawowa zai iya zama ƙasa da adadin da aka saka tun asali don dalilai masu zuwa:

hukuncin yanke shawara na dakatar da ajiyar kafin lokacinsa;
canza sha'awa idan har aka samu kudi kafin lokacin kwangilar;
hukumar sanya kudi;
a wasu lokuta, akwai yiwuwar rage darajar kuɗi a cikin ƙasa.

Suna kuma taimakawa wajen tara adadin kuɗin da ake buƙata adibas tare da yiwuwar yin ƙarin gudummawa.

Manufar 3. Additionalarin kuɗin shiga

Babban kudaden shiga akan adibas shine karuwar riba. Koyaya, akwai yiwuwar samun ƙarin kuɗin shiga. Zai iya zama, mis, kamar yadda kari kuma fa'idodi... Hakanan tsakanin masu ajiya, bankuna lokaci-lokaci suna gudanar da abubuwa daban-daban barkwanci masu amfani kuma hannun jari.

Akwai wata hanyar don samar da ƙarin kuɗin shiga - saboda bambancin canjin canjin. Wannan damar an bayar da ita ta wanda ake kira ajiyar kuɗi da yawa... Suna ba ku damar sake rarraba kuɗi tsakanin manyan kuɗaɗe da yawa a kowane lokaci - dala, ruble kuma Yuro lokacin canza karatunsu.

Hakanan zaka iya haskaka zaɓi wanda ake amfani dashi kwararrun masu ajiya... Suna bayar da lambobi daban-daban lokaci guda. Bayan haka, suna canza canjin da aka samu tsakanin asusu daban-daban. Wannan shine yadda masu ajiyar kuɗi ke sarrafawa don samun babbar riba.

Don haka, babban dalilin buɗe ajiya shine adana kuɗaɗe daga illolin hauhawar farashin kaya... Koyaya, wasu masu ajiya suna yin ajiya tare da wasu niyya da yakamata a kula dasu yayin kulla yarjejeniya.

Yadda za a zabi ajiyar kuɗi mafi riba a cikin rubles, dala ko euro don mai farawa - jagorar mataki-mataki

2. Yadda za a zabi mafi riba jari - 5 main matakai don novice masu saka jari 📊

A yau bankuna suna ba da adadi mai yawa. Sun bambanta a cikin farashi da sauran sigogi. Koyaya, akwai kamanceceniya da yawa a cikinsu.

A irin waɗannan yanayi, yana da wahala a zaɓi zaɓi mafi kyau na ajiya. Yana da wahala musamman ga waɗanda suka fara yanke shawarar tsara yarjejeniyar ajiyar banki.

Abin da ya sa masana ke ba wa masu farawa shawara su bi mataki-mataki umarnin domin zabar mafi kyau duka ajiya.

Mataki 1. Tantance adadin ajiyar

Ofayan mahimmin sigogi na gudummawar shine adadin kudiwanda aka sanya a cikin asusun banki. Shine wanda yafi yawan yanke shawarar wane ajiya ya cancanci buɗewa.

Waɗanda ke da ƙarami kaɗan dole ne su nemi adibas waɗanda suka haɗu da ƙimar kima tare da ƙaramin ƙarami kaɗan.

Baƙon abu ba ne ga masu farawa su zaɓi mafi girman kashi ba tare da la'akari da ƙofar aikace-aikacen mafi ƙaranci ba. A sakamakon haka, lokacin da kuka tuntuɓi ofishin banki, kuna baƙin ciki, dole ne ku yi ajiya a cikin mafi ƙarancin kaso.

Lokacin buɗe ajiyar ajiyar kuɗi, yakamata kuyi lissafin daidai bayan wane lokaci za'a iya buƙatar kuɗin. Don adadi mai yawa, yakan zama mafi kyau duka yarjejeniyoyi tare da yiwuwar cire kudi na wani bangare... Ana iya amfani da irin waɗannan asusun don sasantawa na yanzu.

Lokacin rarraba kuɗi tsakanin adadi da yawa, yakamata a tuna da hakan mafi karancin lokaci yana daukar mafi karancin kudin shiga... Sakamakon haka, tsawon lokacin da adadin ajiyar, mafi girman ↑ kudin riba akan shi.

Zai fi kyau sanya kuɗi kamar haka:

iyakar kudade yana da dacewa don yin ajiyar matsakaici da na dogon lokaci;
ƙananan kuɗi, wanda ana iya buƙata a kowane lokaci, yana da kyau a saka hannun jari akan ɗan gajeren lokaci tare da tsawaita mai zuwa.

Mataki na 2. Zaɓin kuɗin ajiya

Bayan an ƙayyade adadin ajiyar nan gaba, yana da daraja zaɓi kuɗin da za a buɗe ta.

Mahimmanci don tunawa, cewa don mafi yawan kuɗin kuɗi an saita farashin a kadan matakin.

Don masu farawa, babban zaɓi shine buɗe ajiya a cikin kuɗin da za a buƙata a nan gaba... Idan mai ajiya ba ya shirya sayan gaba a ciki daloli ko Yuro, kazalika da tafiye-tafiye zuwa ƙasashen waje, yana da daraja sanya saka hannun jari a ciki rubles... Wannan hanyar za ta taimaka don kauce wa juya biyu, wanda babu makawa ya kan faru yayin canja kudade daga wata kudin zuwa wata.

Bugu da kari, cibiyoyin ba da rance na zamani suna ba da amfani ajiyar kuɗi da yawa... Wannan sabis ɗin yana bawa mai ajiya damar rarraba kuɗi tsakanin manyan kuɗaɗen kuɗaɗen kuɗi daidai da abubuwan da suke so.

A lokaci guda, ana ba da izinin motsin kuɗi zuwa kowace hanya a kowane lokaci. A sakamakon haka, gogaggen masu saka hannun jari ba sa samun kudin shiga kawai, amma kuma riba daga banbancin kudi.

Kwararrun masu ba da kuɗi suna la'akari da haɗin waɗannan kuɗaɗen a matsayin mafi kyau duka:

rubles game da 40%;
daloli kuma Yuro by 30%.

Mataki na 3. Zabar banki

Yawancin masu ajiya, lokacin da suke zaɓar cibiyar bashi, suna mai da hankali da farko ga waɗanda ke nesa da tafiya.

Wannan tsarin ya ba da hujja ta yanayi da yawa:

A gefe guda, sharuɗɗan adanawa a cikin cibiyoyin bashi daban-daban kusan iri ɗaya ne. A irin wannan halin, tafiya zuwa reshen banki da ke nesa nesa da wuya ya zama mai adalci.
A cikin zamanin manyan fasahohi, manyan cibiyoyin bashi da yawa suna ba da sabis na tsara yarjejeniyar ajiya a cikin yanayi kan layi... Wannan yana ba da damar ƙara yawan bankunan da za a zaɓi zaɓi tsakanin su.

Yana da mahimmanci a kiyayecewa tallan da ke ba da tabbaci ba zai iya ba da tabbacin cewa wannan takamaiman kuɗin zai zama mafi riba.

Mafi yawan lokuta, masu ajiya, ana jarabtar su da alkawuran jaraba, suna buɗe asusun da baya biyan buƙatun su. Saboda haka, ya kamata ku saurari ra'ayin ƙwararru a cikin wannan lamarin.

Shawarwarin kwararru waɗanda zasu taimaka muku zaɓi bankin da ya dace:

lokaci mai yawa kamar yadda ya kamata ya wuce daga lokacin ƙirƙirar cibiyar bashi, tunda ƙwarewar manuniya ce ta abin dogaro;
'yanci, akasin haɗuwa da wasu bankuna, yana nuna dorewar kamfanin;
yawancin adadi na ajiya yana ba da damar yin hukunci game da gama gari na kamfanin lamuni;
Wata alamar kwanciyar hankali da ci gaban aiki na bankin shine bin ka'idodin ci gaban fasaha.

Mataki 4. Tattaunawa game da shawarwarin bankuna kan ajiyar kuɗi

Yin nazari da kwatanta banki daban-daban a cikin bankuna ba sauki. Yana da mahimmanci ba kawai don zaɓar ɗakunan ajiya tare da yanayi mafi kyau ba, amma kuma don kwatanta ribar su na wani lokaci.

Don yin wannan, zaka iya amfani keɓaɓɓen ƙididdigar layi na sha'awa akan ajiyar... Yana taimakawa ta yanar gizo-mode lissafa riba ga kowane ajiya. Ya rage don kwatanta sakamakon lissafi don neman mafi kyawun taimako.

Teburin kwatankwacin bankuna tare da yanayin su na ajiya da samun fa'ida, ana lissafawa ta amfani da lissafin kan layi:

Creditungiyar bashi	Mafi qarancin adadin ajiya, rubles	Kudin sha'awa,% a shekara	Lokacin ajiya, watanni	Kasancewa na manyan abubuwa	Adadin kudin shiga, rubles
*Bankin bashi na Moscow*	1 000	9,25	12	akwai	95
Bankin sadarwa	10 000	8,95	12	Ba ya nan	89,5
*Bankin Avangard*	10 000	8,50	12	Ba ya nan	85

Mataki 5. Zaɓin gudummawar mafi kyau

Lokacin da aka binciko duk zaɓuɓɓukan da suka dace, ya rage kawai don zaɓar ajiyar da ta fi dacewa ga mai ajiya. Yana da mahimmanci la'akari da manyan manufofin saka hannun jari.

Mai taimako don yin zaɓin da ya dace na iya zama shawara daga masoya, da sake dubawa daga intanet... Masu saka jari na ilimi koyaushe suna nazarin kwarewar wani, na kirki da marasa kyau. Wannan yana taimakawa wajen yin zabi mai kyau.

Lokacin da mai ajiya ya yanke shawarar wane ajiya ya dace da shi, abin da ya rage shine bude asusu kuma a kammala kwangila... Wannan zai buƙaci fasfo kuma rajista na dindindin / na ɗan lokaci.

Mahimmanci KAFIN sa hannu a hankali karanta yarjejeniyar ajiya. Idan wasu maki a ciki sun zama ba za'a iya fahimta ba, yakamata kuyi dukkan tambayoyin nan da nan ga masanin banki.

Umurnin-mataki-mataki don buɗe ajiyar banki a cikin ƙimar riba mai yawa

3. Yadda zaka bude ajiya a banki a yawan kudin ruwa - umarni cikin matakai 5 masu sauki 📝

Bude adibas abu ne mai sauki, musamman tunda bankuna suna farin cikin jawo matsakaicin adadin masu ajiya. Don wannan dalili, suna haɓaka matsakaicin adadin shirye-shirye. Suna iya zama da wahala farkon farawa su fahimta.

Da ke ƙasa akwai cikakken umarnintattara masana. Masu ba da gudummawa na novice suna bin waɗanda aka haɗa a ciki 5 matakai, a sauƙaƙe za su iya jimre wa zaɓi da buɗewar ajiya a babban kaso.

Mataki 1. Zabar banki

Don yin ajiyar ba kawai riba ba, amma kuma ya dace, yana da mahimmanci don zaɓar bankin da ya dace. Daya daga cikin mahimman sharuɗɗa a wannan yanayin shine matsakaicin kasancewa cibiyar bashi. A lokaci guda, bankin ba lallai bane ya kasance a kusancin yanki na mai ajiya, idan ya samar da ingantaccen sabis ta hanyar Intanet.

Lokacin yin ajiya na dogon lokaci kuma in babu sha'awar sake cika shi daga baya, kasancewar ofishin banki a cikin nisan tafiya ba farilla ne.

Lokacin zabar banki, yana da mahimmanci a kula da shi abin dogaro kuma gwanintan aiki a cikin kasuwar kuɗi. Don kimanta su, yana da daraja kwatanta cibiyoyin bashi daban-daban akan wasu ƙa'idodi.

Sharudda don kimanta kwatancen amintaccen banki:

kimantawa;
ra'ayi daga masu ba da gudummawa;
tsokaci kan adibas

Bankin yana da damar buɗe asusun mutane kawai batun shiga cikin tsarin inshorar ajiya. Idan ma'aikatar bashi ta kawo ko da shakku kadan, yana da kyau a bincika ko an soke shi lasisi... Mun rubuta game da yadda tsarin inshorar na ajiyar kowane mutum ke aiki a cikin fitowar ta ƙarshe.

Mataki na 2. Tabbatar da manyan sigogi na gudummawar

Eterayyade sigogi na ajiyar kuɗi na gaba shine muhimmin mataki. A wannan matakin, ya kamata ku ƙayyade ba kawai ba nau'in gudummawaamma kuma nasa jimla kuma lokaci.

Da farko dai, ya kamata ku fahimci yawancin tayin banki kamar yadda ya kamata. Don sauƙaƙa kwatancen, ya kamata kayi amfani masarufi na musamman.

Yana da mahimmanci don ƙayyade ba kawai nau'in ajiyar ba, amma har adadin da za a saka a cikin asusun.

Daya bangaren yawan kudin da aka ciro daga kasafin kudin iyali bai kamata ya kara tabarbarewar zamantakewar aure ba.

Tare da wani - adadin ajiyar dole ne yayi daidai da manufofin mai ajiya. Ta hanyar, nau'in gudummawar ma ya dogara da su. Idan burin ku shine tara wani adadi, ya kamata ku fi son ajiya tare da yiwuwar sake cikawa.

Lokacin yanke shawara na tsawon lokacin da za a ware kuɗi, yana da mahimmanci a bayyana lokacin da kuma don abin da za a buƙace su. A kowane hali, zai zama da amfani koya game da yanayi na farko ƙarshe... An rasa sha'awa kuma ana cajin su tararidan mai ajiya ya yanke shawarar cire kudinsa kafin lokacin da aka sanya. Wannan zai kiyaye ku daga abubuwan mamakin da zai biyo baya.

Gabaɗaya, wasu sigogi na ajiyar sun dogara da niyyar mai ajiya. Don haka, ma'anar ajiyar kuɗi yana taimakawa wajen ƙayyade nau'in kuɗin:

Idan a ƙarshen wa'adin ajiyar da aka shirya don siyan kuɗi akan kuɗin da za'a sanya akan yankin ƙasarmu, ba ma'ana ba ne a sanya kuɗi a cikin wani waje banda ruble.
Akasin haka, idan za a kashe kuɗin da aka tara a lokacin hutu a ƙasashen waje, yana da daraja la'akari da zaɓuɓɓuka don saka hannun jari a cikin ajiya Yuro ko daloli.

Mataki na 3. Gudanar da kwangilar

Yana da kyau sosai cewa buɗe ajiya zai buƙaci ƙaramin kunshin takardu fiye da neman rance. Ya isa gabatar fasfo ko wata takaddar da ke da matsayin asali.

An asalin wasu jihohi, da ma marasa ƙasa, na iya ƙarin buƙatun takaddar tabbatar da haƙƙin zama a Rasha, misali, mazauni.

Wasu bankuna suna nema TIN takardar shaidar... Koyaya, ba a bayyana wannan buƙatar ko'ina a cikin doka ba.Saboda haka, mai ajiya yana da cikakken 'yancin ƙi bayar da wannan takaddar.

Don yin rijistar ajiya na musamman, zaku buƙaci wasu takaddun:

Don ƙulla yarjejeniya gudummawar fansho, bukata ID na dan fansho ko takaddar tabbatar da matsayin dan fansho.
Idan kayi shirin gamawa dalibin ajiya, dole ne ka gabatar tikitin dalibi.

Lokacin da ƙwararren banki ya san takaddun da aka bayar kuma ya shigar da bayanan abokin ciniki cikin tsarin, za'a buga shi kwangila... A al'ada, yana da nau'i na al'ada.

Lura! Idan mai ajiya ya damu da duk wasu abubuwan hadin kai da wani banki, yana da kyau a nemi mai ba da shawarar ya buga samfurin wannan yarjejeniyar. Ya kamata a ƙaddamar don nazari lauya ko mai kudi.

Bayan babu wasu sassa masu ma'ana a cikin kwangilar, za'a samu ajiya kudi zuwa lissafi kuma sa hannu kan yarjejeniya.

Idan katin banki yana haɗe da ajiyar da aka buɗe, ku ma za ku bar rubutun kansa. Lokacin da aka kammala duk takaddun, za a miƙa kofi ɗaya na yarjejeniyar ga mai ajiyar.

Mataki na 4. Sanya kudade

Yayin aiwatar da yarjejeniyar ajiyar, dole ne ma'aikacin bankin ya tantance adadin da aka tsara don saka hannun jari. Mahimmanci yayin zabar ajiya, la'akari da cewa kowane shiri yana da nasa ƙaramin adadin saka hannun jari... Saboda haka, adadin kuɗin da aka sanya a cikin asusun bai kamata ya zama ƙasa da ita ba.

Ana iya yin ajiyar kuɗi ta hanyoyi 2:

Lokacin tuntuɓar reshen banki dole ne ku ba da gudummawar kuɗi ta hanyar mai karbar kudi.
Idan ajiya ta bude a yanayin kan layi, ana ajiye kudade kudin lantarki, ko amfani katin banki... Af, za a aiwatar da sanya hannu kan yarjejeniyar ta amfani da su sa hannu ta lantarki, wanda zai iya zama, alal misali, lambar da aka aika a cikin SMS. Bayan haka, ana iya samun sigar da aka buga na yarjejeniyar a reshen banki.

Mataki 5. Samun takaddun tallafi

Da zarar an karɓi kuɗi daga abokin harka, mai karɓar kuɗi zai ba shi rasit na kuɗi ko wata takaddar tabbatar da ajiyar kuɗi.

Idan sharuɗɗan ajiya sun ba da rajista littafin tanadi, to galibi ana bayar da shi ne daga ƙwararren masanin da ya sanya ajiyar. Koyaya, yakamata a tuna cewa littattafan ajiya kusan abu ne da ya gabata. Yau kusan sun gagara haduwa. Madadin littattafan ajiya, ƙari da ƙari, ban da ajiya, suna bayarwa katunan banki.

Idan aka bude ajiya ta Intanet (a cikin yanayi kan layi), za a tabbatar da kudin na musamman takaddar yanar gizo... An yi alama kamar yadda aka biya ko aikatawa. Bayan haka, idan ya cancanta, ana iya buɗe wannan takaddun a cikin asusunka na sirri.

Don amintar da ajiyar da aka sanya akan Intanet, lambar wayar hannu ta mai ajiya tana ɗaure da su. Kawai tare da taimako lambaraika a cikin saƙon SMS, zaku iya yin kowane aiki tare da ajiyar. Idan ka rasa katin banki mai alaƙa da asusun ajiya, irin waɗannan matakan zasu taimaka hana satar kuɗi.

Kula da umarnin da kwararru suka kirkira, kowane mai farawa na iya buɗewa cikin sauƙi riba mai amfani... Tare da tsananin bin tsarin matakai, zaka iya tabbatar da cewa matsaloli ba zasu tashi ba.

Darajar bankuna don ajiyar kuɗi a cikin rubles, dala da euro don mutane

4. Ina kudaden ajiya mafi riba ga mutane a shekarar 2019 a cikin ruble, dala da euro - darajar bankunan TOP-3 don ajiyar kudi mai yawan riba 💰

Bayan yanke shawara don buɗe ajiya, mai ba da kuɗin yana fuskantar zaɓi tsakanin manyan shirye-shirye iri-iri. Hakanan dole ne ku kwatanta bankuna fiye da goma.

Don kar a kuskure cikin aikin bincike, yana da kyau a yi amfani da ƙimar da kwararru suka tattara. Abin da ya sa aka ba da ƙimar a ƙasaBankunan TOP-3 tare da mafi kyawun shirye-shiryen ajiya.

1. Bankin Ural na Sake Ginawa da Cigaba

An kafa wannan banki a 1990... Tun daga wannan lokacin, ya sami damar shiga manyan cibiyoyin kuɗin Rasha guda talatin. Bugu da kari, Bankin Ural an hada shi da mutum ɗari daga cikin amintattun kungiyoyi.

A cikin bankin da ake magana, an ba da shawarar buɗe ajiya a ƙarƙashin 9% shekara-shekara. A lokaci guda, UBRD yana bayarwa kari a cikin kudi na 1% ga waɗanda suka yi ajiya a yanayin kan layi.

Hakanan, masu amfani waɗanda suka yi rajista a bankin Intanet suna samun wasu dama:

sama ajiya mai inganci;
bayar da katin banki;
biya ayyuka daban-daban ba tare da kwamiti ba.

UBRD yana ba da ɗimbin shirye-shirye masu fa'ida ga duk masu saka jari.

2. Bankin Nevsky

Wannan rukunin bashi yana aiki a Rasha tun 1990... Kyauta mafi kyawu don kowane rukuni na masu ajiya suna bayyana kowace shekara.

A yau ma'aikatar bashi ta sami babban darajar aminci. Kamfanin Kwararren RA ne ya girka shi a matakin DA.

Babban ka'idojin da ma'aikatar kuɗi ke bi shine mafi yawan halayyar kulawa ga kowane abokin ciniki... Wannan ya shafi duka masu ajiyar kuɗi waɗanda ke sanya adadi mai yawa a kan ajiya, da waɗanda suka adana mafi ƙarancin adadin kuɗin.

3. Bankin Ba da Lamuni na Moscow

Bankin Credit na Moscow ya shiga kasuwar hada-hadar kudi ta Rasha a shekarar 1992... A yau yana ba da ɗakunan ajiya da yawa don masu ajiya. Bugu da ƙari, duk shirye-shiryen suna daidaitaccen abokin ciniki.

Manufofin banki kan ajiyar ana kiyaye su a matakin mafi bayyane da bayyane. Wannan, haɗe tare da mai da hankali ga abokin ciniki, ya ba da damar cibiyar ba da lamuni ta zama ɗayan jagorori wajen wadata mutane da ayyukan sarrafa ajiya.

Matsayin aiki na banki ya haifar da adadi mai yawa na gabatarwa kuma kyaututtuka a cikin gasa daban-daban na kamfanonin banki.

Kulawa ga cibiyoyin bashi, wanda ƙwararru suka haɗa a cikin ƙimar, masu ajiya suna karɓar adadi mai yawa ab advantagesbuwan amfãni... Waɗannan bankunan suna ba da wasu mafi kyawun yanayi don adanawa.

Wanne banki ya fi kyau kuma ya fi fa'ida don buɗe ajiya - shawara mai amfani game da zaɓar amintaccen banki don ajiya

5. A wanne banki yafi kyau bude ajiya a kudin ruwa - 6 nasihu mai amfani akan yadda zaka zabi banki domin ajiya 💎

Akwai adadi da yawa na bankuna a kasuwar hada-hadar kudi don bayar da ajiyar banki. Lokacin zabar banki, mai ajiyar dole ne ya yanke shawarar yadda yake son kasada.

Mafi qarancin dama na rasa kuɗi ga wadancan kudaden da suka bude a cikin manyan bankuna... Amma ya kamata a tuna cewa yawan kuɗin ruwa akan shirye-shiryen da aka bayar a cikin su shine a matakin ↓ mafi ƙaranci.

Mai saka jari ya sanya kuɗin kansa a cikin haɗari mafi girmazabar a kan sanannun bankunaa cikin abin da ƙimar ta fi yawa ↑.

Duk da cewa duk kuɗin da aka sanya akan ajiyar suna inshora, hanyar dawo da su yana ɗaukar lokaci mai yawa. A sakamakon haka, yawancin jijiyoyi za a lalace. Kari akan haka, sha'awa ta daina zuwa karba daga lokacin sokewa. lasisi... Ya nuna cewa daga wannan ranar har zuwa lokacin da aka dawo da kuɗin, ribar da mai riba zai samu zai kasance rasa.

Masana sun ba da shawara yi haɗari kaɗan, kawai ya kamata a adana su a cikin ƙananan bankuna. Ya kamata a aminta da mahimman kuɗi na mai ajiya kawai amintaccen banki.

Amma sai tambaya ta taso yadda za a tantance matsayin amincin cibiyar bashi? Masu ƙwarewa suna ba da shawara wanda zai taimaka har ma masu farawa fahimtar ko wane banki ya amince da su.

Tukwici 1. Gano nawa ne babban izini na bankin da aka zaba

Don tantance ainihin girman kowane banki, ya kamata ku gano girman kadarorin sa. Koyaya, yana da mahimmanci a gwada ba kawai adadin ba, har ma da wadatar babban birnin.

Don lissafin wannan alamar, nemo rabo daga daidaito zuwa rancen kuɗi... Da kyau, wannan coefficient ya zama game da 11%.

Manyan bankuna koyaushe suna jawo yawancin abokan ciniki tare da mahimman kuɗaɗen kuɗaɗe. Wannan shine dalilin da ya sa irin waɗannan cibiyoyin bashi suna da kadarorin da ke gab da aiki 10 sau fiye da nasu babban birnin kasar.

Tukwici 2. Yi nazarin bitar wasu masu ba da gudummawa

Yawancin masu saka hannun jari waɗanda suka sami nasarar saka hannun jari suna so su raba farin cikinsu da duniya baki ɗaya. Sun bar bita a ko'ina - akan shafin bankin, a kan kowane nau'i tattaunawar kudi... Sau da yawa sukan gaya wa abokai da ƙawaye sanin cin nasarar saka hannun jari.

Amma kada ku yarda da duk abin da aka rubuta. Kwanan nan, sau da yawa cibiyar sadarwar ta fara bayyana odar sake dubawa... A takaice dai, wasu bankuna, suna shiga gasar rashin adalci, suna biyan kuɗi don ingantaccen bayani game da su.

Daga wannan ra'ayi, mafi amintacce shine bayanan da aka watsa ta amfani da abin da ake kira Maganar bakin... Yana da wuya wani ya yi jayayya cewa bayanin da aka samu daga abokai da abokai za a iya kiransa mafi gaskiya.

Tukwici 3. Duba lasisin ku da kuma shiga cikin inshorar ajiya

Abinda ake buƙata don cikar wanda bankin ke da ikon karɓar kuɗi daga mutane a cikin ajiyar shine shiga cikin tsarin inshorar ajiya... Don wannan dole ne ku tafi takardun aiki a hukumar daban.

Sai kawai bayan samun matsayin ɗan takara a cikin inshorar ajiya za a sami cibiyar karɓar bashi lasisi don ayyukan da suka dace a Babban Bankin... Babu shakka dukkan bayanai game da izinin da aka bayar ana iya samun su akan gidan yanar gizon wannan ƙungiyar.

HANKALI! Kafin kai kudade zuwa wani banki mai cike da shakku, yakamata ka duba ko ba'a cireshi daga gareshi ba ko kuma an bashi shi kwata-kwata lasisi.

Tukwici 4. Gudanar da bincike kan kwarewar ma'aikatan banki da kuma yadda suke daukar masu ajiya

Yawancin ma'aikatan banki suna aiki don ƙarin, wanda aka bayar kawai idan manyan tsare-tsare sun cika (har da na ajiya). Saboda haka, masu saka jari sukan fuskanci gaskiyar cewa kwararru ɗorawa ayyuka ne gaba ɗaya marasa amfani.

Kari akan haka, wasu bankuna basa son bata lokaci kan saukin tuntuba na kwastomomi. Bai kamata ku amince da irin waɗannan cibiyoyin bashi ba.

Ba tare da la'akari da ko mai ajiyar zai sanya kuɗi nan da nan ko ma yayi tunani game da shi, dole ne gwani ya shawarce shi dalla-dalla. Zai fi kyau a bayyana duk abubuwan da ba za a iya fahimta a gaba ba, ta yadda daga baya ba za a sami matsaloli ba.

Tukwici 5. Kada a mai da hankali ga yawan riba kawai

Dayawa suna la'akari da ƙimar riba shine mafi mahimmancin ma'auni na adibas. Tabbas, yana da mahimmanci a kula da shi sosai. Amma kada ku dogara kawai akan ƙimar lokacin zaɓar ajiya mai dacewa. Mafi sau da yawa yana taka rawa.

Wannan shi ne ainihin abin da ajiyar hannun jari... A cikin su, babban kuɗin shiga ya ƙunshi ribar da ayyukan asusun kuɗaɗe ke kawowa.

Baya ga ƙimar, ya kamata ku kula da waɗannan sigogi masu zuwa:

lokacin ajiya;
yiwuwar sake cikawa da kuma janyewar wani bangare;
Sharuɗɗan cire kuɗi da wuri.

Tukwici 6. Yi nazarin makirci don kirga riba akan ajiya

Akwai makirci guda biyu masu yuwuwa don kirga sha'awa:

tare da manyan haruffa;
ba tare da ƙaramar ba.

Itarfafawa wakiltar tarin sha'awa akan sha'awa... A dabi'a, wannan ƙirar makircin yana kawo ƙarin kuɗaɗen shiga. Koyaya, za a iya jin bambanci mai mahimmanci kawai idan an cika wasu sharuɗɗa:

ajiya an bude shi don mafi tsawan lokaci;
mahimmancin ƙarfin iko shine iyakar.

Don ƙarin bayani game da menene asalin adadin ajiya da yadda ake lissafin ajiya tare da ƙimar amfani, karanta ɗayan labaranmu.

Don zaɓar mafi kyawun banki don buɗe ajiya, yana da mahimmanci a bi shawarar da masana suka bayar sosai. A wannan yanayin, ku tabbata cewa cizon yatsa ba zai biyo baya ba.

Tabbatattun hanyoyin yadda zaku iya kwatanta adana a bankuna daban-daban

6. Yadda zaka kwatanta ajiya a bankuna - hanyoyin TOP-3 mafi kyawu 📋

Lokacin zabar shirin ajiya, wanda bai kamata ya dogara da shawarar ma'aikatan ma'aikata ba. Ya kamata a amince da shi kawai sakamakon bincikenmu da kwatancenmu.

Sau da yawa, ƙwararrun banki suna ƙawata fa'idodin shirye-shiryen ajiya kamar yadda ya yiwu. A lokaci guda, da gangan suna yin shiru game da gazawa iri-iri.

Don yin zaɓin da ya dace, yana da mahimmanci a gudanar da kwatankwacin tasiri na yanayin ajiya a bankuna. Akwai hanyoyi da yawa don yin wannan.

Hanyar 1. Tattaunawa tare da masanin banki

Idan mai ajiya yana sha'awar takamaiman tayin banki, yana da daraja tuntuɓar reshe.

A wannan yanayin, ana iya yin shawarwarin:

yayin sadarwar kai tsaye tare da ma'aikaci;
yayin tattaunawa ta waya.

Kafin tuntuɓar banki, mai ajiyar dole ne ya haɓaka jerin tambayoyi, wanda ya cancanci tambaya yayin tattaunawa da gwani.

Idan shirin ajiyar yana da tasiri sosai, ma'aikacin banki zai yi kokarin samar da cikakken bayani game da shi.

Idan mai ajiya bai ji takamaiman amsa ga tambayar da aka gabatar kai tsaye ba ko karɓar bayanai mara ma'ana, ya kamata mutum yayi taka tsantsan. Da alama, shirin da aka zaɓa ba shi da tasiri sosai, ya ƙunshi haɗari masu yawa.

Hanyar 2. A shafin yanar gizon cibiyar bashi

A cikin duniyar zamani, yana da sauƙi don zaɓar shirin don saka kuɗin ku ta amfani da Intanet. Koyaya, kar a amince da tallace-tallace masu haske.

Ya kamata a yi zaɓin a hankali kuma a hankali. Ya dace don yin wannan ta amfani da tebur, wanda aka gabatar da misalinsa a ƙasa.

Tebur na kwatancen gani na yanayi don adanawa a bankuna daban-daban:

Banki	Rate,% a kowace shekara	Lokacin saka kudi	Yiwuwar yin ƙarin gudummawa	Karɓar sha'awa
*Bankin B&N*	har zuwa 8	181 kwanaki	Ee	Watanni
*Rosselkhozbank*	har zuwa 7.5	Ranar 31	A'a	A ƙarshen lokacin
*Tarurrukan*	har zuwa 7	187 kwana	Ee	Watanni
*Sberbank*	har 6	Watanni 3	Ee	Watanni

Tebur kamar waɗannan suna taimaka muku don kwatanta ƙididdigar gudummawar da aka zaɓa. A sakamakon haka, a sauƙaƙe za ku iya zaɓar ajiya wanda ke biyan bukatun mai ajiya, daga cikinsu akwai wadatar lokaci, yiwuwar sake cikawa, da yawan biyan kudin ruwa.

Hanyar 3. Yin amfani da albarkatun yanar gizo na ɓangare na uku

Hanya mafi kwatancen kwatanci shine bincike ta amfani sabis na kan layi... Amfani da waɗannan shirye-shiryen, wanda zai iya sauƙi kuma cikin sauri ya kimanta shirye-shiryen ajiyar kuɗin yanzu kuma ya fahimci wanne ne ya fi dacewa da wani yanayi.

Akwai nau'ikan intanet da suka fi dacewa:

Lissafin kan layi buƙatar ƙananan sigogi na shirye-shiryen ajiyar da aka zaɓa don shiga - adadin, lokaci, kudin, kudi. Shirin zai lissafa sakamakon saka hannun jari da kansa, wanda zai taimaka muku zaɓi mafi kyawun ajiya.
Ayyuka na musamman tare da cikakken bayanin adadi, mis, Kwatanta.ru kuma Banks.ru... Interfaceaƙƙarfan sauƙi na irin waɗannan shirye-shiryen yana ba da izini, ta amfani da halaye na asali masu yawa na ajiyar - adadin, ajali da sauran mahimman sigogi, don zaɓar banki cikin sauƙin sigogin ajiya mafi dacewa. Bugu da kari, akwai iri-iri ƙididdiga cibiyoyin bashi, ra'ayi daga masu ba da gudummawa, labarai da sauran bayanai masu amfani da suka shafi bankuna.

Don haka, akwai hanyoyi da yawa don taimaka muku zaɓi shirin saka hannun jari daidai. Yana da mahimmanci a tuna cewa zaɓi ne mai kyau wanda zai taimaki mai ajiya don warware ayyukan da aka sanya su.

Muna kuma ba da shawarar ku karanta labarinmu kan inda za ku saka hannun jari don karɓar kuɗin shiga kowane wata.

7. Tambayoyi - Tambayoyi akai-akai 🔔

Masu saka jari waɗanda suka yanke shawarar buɗe sabon ajiya galibi suna da adadi da yawa na tambayoyi game da madaidaicin zaɓi da fasali na tsarin rajista. Neman amsoshin su na iya cin lokaci.

Don sauƙaƙa wa masu karatunmu, muna ba da shawarar cewa ku fahimci kanku amsoshin tambayoyin da aka gabatar a ƙasa.

Tambaya 1. Menene ya fi fa'ida - ajiya a cikin ruble ko ajiya a daloli?

Ajiye banki shine ɗayan shahararrun hanyoyin adana kuɗi. A lokaci guda, yawancin masu ajiya a yayin zaɓar ingantaccen shirin suna fuskantar tambayar, abin da za a zaba - saka hannun jari a cikin rubles ko a cikin kuɗin waje.

A cikin wane kudin ne ya fi fa'ida don buɗe ajiya - a cikin rubles ko daloli?

Yana da muhimmanci a fahimtacewa babu wata tabbatacciyar amsa ga wannan tambayar. Zaɓin ya dogara da takamaiman halin da ake ciki, wanda ya ƙunshi adadin nuances da yawa.

Lokacin yanke shawarar wane kudin da za'a zaɓa don buɗe ajiya, da farko, yakamata tantance haɗari kuma riba haɗe-haɗe ga kowane ɗayansu.

Riba mai fa'ida ta al'ada ce bisa ɗorawa a cikin rubles. Rateimar a kansu yawanci kusan 2 sau da yawa kamar don saka hannun jari na kasashen waje, la'akari da gaskiyar cewa sauran yanayin iri daya ne.

Amma kar a manta da matakin kumbura, Tun da farkon tashin hankali mai tsanani na rashin kuɗi, yana iya faruwa cewa hauhawar ƙimar farashin zai cinye duk ribar da aka samu.

Wannan shine abin da ya zama babban dalilin da ya sa masu ajiya suka zaɓi ajiyar kuɗin waje. Sun yi imanin cewa daloli da Yuro sun ninka zama sau da yawa.

Koyaya, ya kamata a fahimci hakan cewa idan babu rikici a kasar adibas na ruble juya ya zama mafi riba.

Af, kuɗaɗen kuɗaɗe ma sun shafi kuɗin waje. Bugu da ƙari, dala kuma Yuro ba da jimawa ba sun daina samun daidaito.

Ba yadda za a yi a koyaushe akwai karuwa a cikin ↑, kuma faɗuwa ↓ a cikin darajar kuɗin waje game da rubel ana iya gani koyaushe. A sakamakon haka, masu ajiya sun yi asara, ba su san wane irin kudin za su zaba ba.

Duk da yawan matsaloli, masana suna ba da shawarwari da yawa waɗanda zasu taimake ka ka zaɓi zaɓin kuɗin waje:

Zai fi kyau don yin ajiya a cikin kuɗin da aka karɓi kuɗin shiga. Idan ana yin tanadi daga albashi, ya kamata ku kula adibas a cikin rubles... A yayin da, alal misali, an yanke shawarar saka kuɗin da aka karɓa daga siyar da ƙasa a ƙasashen waje, zai zama mafi kyau a aiwatar saka hannun jari na kasashen waje... Wannan hanyar tana taimaka wajan guji farashin da aka jawo yayin canza canjin.
Bai kamata a yi watsi da bambancin ra'ayi ba. Tabbas, yakamata a raba kudaden da aka sanya tsakanin kuɗaɗe da yawa. Sannan canjin canji cikin ƙimar ɗaya daga cikin ƙungiyoyin kuɗi ba zai haifar da da raguwa a cikin ainihin adadin saka hannun jari ba.
Yana da daraja sanya ajiya a cikin kuɗin da aka tsara kashe shi- don haka, a cewar mafi yawan masana, dokar zinariya ta mai saka jari ta ce. Ya bayyana cewa idan, a ƙarshen ajalin ajiyar, mai ajiyar ya shirya tafiya tare da wannan kuɗin a lokacin balaguro, ya fi kyau a saka ajiya a cikin kuɗin waje... Haka kuma, zabi tsakanin dala kuma Yuro yakamata ayi dangane da wane kudin ne yafi shahara a ƙasar da aka shirya tafiya. Idan mai saka jari yayi shirin cire kudaden shiga na yau da kullun domin sake cika kasafin kudin iyali, yana da daraja sanya hannun jari a rubles.

Tambaya 2. Menene fasalin ajiyar kuɗaɗen fansho (kuɗin fansho)?

Yawancin bankuna a cikin layin ajiyar dole sun haɗa da shirye-shirye na musamman don masu ritaya. Cibiyoyin bashi suna ba tsofaffi damar buɗe ɗakunan ajiya mai fa'ida tare da ƙimar girma yayin sanya ƙaramin kuɗi.

Adana kudade ga yan fansho suna da fasali da dama:

Requiredananan kuɗi da ake buƙata don buɗe ajiya. Ersan fansho suna karɓar kuɗin ruwa mai yawan gaske koda suna sanya aan kuɗi kaɗan. Sau da yawa kawai 'yan dubban rubles sun isa.
Ikon yin amfani da ƙarin sha'awa. A mafi yawan lokuta, gudummawar fansho tana ba da damar tara sha'awa ba a ƙarshen lokacin ba, amma tare da wani tsari na yau da kullun. Wannan yana ba tsofaffi damar karɓar ƙarin fansho.
Mafi karancin lokacin ajiya. Ana ba wa 'yan fansho kudaden da ke cikin ruwa mai yawa koda na wasu watanni.
Ikon amfani da kudaden da aka saka ba tare da wata matsala ba. Yawancin lokaci ana ba da mafi girman ƙimar ga waɗancan kuɗaɗen da ba su haɗa da cikawa ko janyewar wani ɓangare. Amma wannan ka’idar ba ta amfani da kudaden da aka tanada don ‘yan fansho. Dattawa yawanci suna iya amfani da kuɗin da aka saka a cikin asusu tare da sauƙi. Don ajiyar fansho, a mafi yawan lokuta, ana bayar da dama, kamar cikawakuma m janyewa.

Don haka, bankuna suna ba da ajiyar masu ritaya tare da yanayi mai ban sha'awa fiye da sauran masu ajiya. Additionalarin ƙarin sharadin yin rajistar su shine kawai kuna buƙatar gabatarwa ID na dan fansho.

Tambaya 3. Yaya ake buɗe ajiya a kan layi?

A yau mutane suna daraja kowane minti na lokacin su. Wannan shine dalilin da ya sa suke amfani da fasahar zamani don siyan kayayyaki da aiyuka iri-iri. Ba banda bane da rajistar ajiya, wanda kuma za'a iya aiwatar dashi cikin sauki a cikin yanayi kan layi.

Wannan ba wuya a yi idan kun bi matakan da aka bayyana a ƙasa. mataki-mataki umarnin.

Yadda za a buɗe ajiya a kan layi - jagora mataki-mataki don buɗe ajiya a kan layi

Mataki 1. Zaɓin banki Yana ɗaya daga cikin mahimman matakai. Don shawo kan shi da sauri da inganci yadda ya kamata, ya kamata ku yi amfani da shi albarkatun intanet na musamman.

Ya isa shigar da halayen sha'awa kuma sabis ɗin kanta zai zaɓi zaɓuɓɓuka masu dacewa a cikin bankuna da yawa. Ya rage don zaɓar mafi kyawun ajiya, je gidan yanar gizon cibiyar bashi kuma ci gaba da rijistar ajiya.

Mataki 2. Rijista a bankin Intanet. Kafin a sami damar yin ajiya ta yanar gizo, mai ajiyar zai yi Yankin Kai... Ba kwa buƙatar ilimi na musamman don yin rijista, kawai cika gajere tambayoyin akan gidan yanar gizon cibiyar bashi.

Kula! Wasu bankuna, misali Sberbank, don samun damar zuwa asusunka na sirri, kana buƙatar katin banki naka. Sauran kamfanoni kamar Gazprombank, ba da hanyar shiga da kalmar wucewa ga asusun sirri kawai a cikin sashen.

Mataki 3. Zaɓin shirin ajiya. Kafin ka fara yin ajiya, ya kamata ka sake bincika kewayon adadin ajiyar da aka bayar a banki. A wannan yanayin, yana da daraja a kula ba kawai ga ba kudiamma kuma a kan yawan amfani... Hakanan ya kamata ku bincika idan akwai yiwuwar sake cikawa, da m janyewa tsabar kuɗi, kasancewa karafa.

Ba zai zama mafi yawa ba don bayyana menene ƙaramin adadin da ake buƙata don buɗe ajiyar da aka zaɓa. A lokaci guda, kada ku sanya ajiya a banki ɗaya don adadin Kara 1,400,000 rubles... Wannan adadin ne inshora, wannan matsakaici, wanda za'a iya dawo dashi idan akwai matsaloli tare da banki.

Idan mai ajiya har yanzu yana da wasu tambayoyi, yana da kyau a tambaye su ga ma'aikacin banki. Ana iya yin wannan ta kira layin waya ko ta hanyar tuntuɓar mai ba da shawara a hira ta kan layi.

Mataki 4. Cika aikace-aikace don bude ajiya ana aiwatar dashi bayan zaɓar abun menu "Bude ajiya"... Hakanan, a nan zaku buƙaci nuna wane shirin aka zaɓa.

Mataki 5. Canja kudade zuwa asusun ajiya. A wannan matakin, lallai ne ku tantance lambar kati ko asusundaga ita ne za a ciro adadin kudin da aka tura zuwa ajiya. A dabi'a, dole ne ku damu da kasancewar sa a gaba.

Mataki 6. Tabbatar da aiki. Lokacin da aka shigar da dukkan bayanan, ya kamata ka bincika su da kyau. Bayan danna maballin don tabbatar da niyyar bude asusu, za a bayar da kudin.

Mataki 7. Samun yarjejeniyar ajiya. Yawancin lokaci ana aika shi zuwa imelkayyade yayin rajista. Waɗannan masu ajiyar kuɗin da suke son karɓar kwafin takarda dole ne su ziyarci reshen banki.

Tambaya 4. Wane bayani ya kamata ya ƙunsa a yarjejeniyar ajiyar banki?

Dole ne a kammala yarjejeniyar ajiyar banki a rubuce. Rashin bin wannan yanayin zai sa ya zama mara aiki.

Akwai sharuda da dama da duk wata yarjejeniyar ajiya ta kunsa. Mai ajiya, kafin ya sanya hannu kan yarjejeniyar, dole ne ya tabbatar da cewa akwai su.

Babban sharuɗɗan da Civila'idar Civila'idar ipa'idoji ta tanadar sune

Adadin ajiya - adadin kuɗin da aka sanya a cikin asusun ajiyar. Akan su ne za a caje riba.
Kudin ajiya Mafi sau da yawa, ana buɗe adibas a cikin rubles ko kuɗin waje. Hakanan akwai wani tsari don ajiyar kuɗi. shi ajiyar kuɗi da yawa... Irin waɗannan saka hannun jari suna ba ku damar samun ƙarin kuɗin shiga ta hanyar sauya ƙididdigar adadin ƙungiyoyin kuɗi tare da canjin canjin canji. Akwai nau'in nau'i na ajiya guda ɗaya - karafa masu daraja... Amfanin irin wannan ajiya ya dogara da hawa da sauka a darajar zinariya, azurfa da sauran karafa masu daraja.
Lokaci - lokacin lokacin da za a ajiye kudaden mai ajiya a asusun ajiya. Ana iya auna shi a cikin shekaru, watanni ko kwanaki... Baya ga adibas ɗin da aka ƙayyade takamaiman lokaci, ana ware asusu, ana bayar da kuɗi daga abin da ake buƙata. Ana kiran su bukatar ajiya.
Adana kuɗi da cire kuɗi.
Matsayi Shima mahimmin ma'auni ne wanda dole ne ya ƙunsa cikin kwangilar. Yana ƙayyade girman adadin kuɗin mai ajiya, wanda aka lasafta shi azaman kashi na shekara na adadin adadin ajiya. Mafi sau da yawa, girman fare shine gyarawa... Koyaya, a wasu kwangila shi iyo... A wannan yanayin, ƙimar tana da nasaba da wasu canje-canje masu canzawa, misali, zuwa ƙimar sake kuɗi. Daga ajiyar lokaci banki bashi da ikon rage kudin kafin karshen lokacin kwangilar.
Hanyar lissafin sha'awa. Yawancin lokaci rarraba 2 zaɓuɓɓuka – sauki sha'awa kuma babba... A cikin yanayin farko, ana yin adadin koyaushe akan adadin hannun jari. Tare da haɓaka kuɗi, samun kuɗin shiga lokaci-lokaci yana haɓaka adadin ajiya. A sakamakon haka, sakamakon da aka samu yana ƙaruwa.
Hanyar dawo da ajiyaA ƙarshen kwangilar, in babu sha'awar mai saka hannun jari don karɓar nasa kuɗin, ana tura kuɗin zuwa bukatar lissafi. amma yarjejeniyar na iya ƙunsar magana game da sabuntawa ta atomatik... Idan mai ajiyar ya yanke shawarar karbar kudinsa kafin karshen wa'adin ajiyar, yawanci ana biya masa kudin ne akan kudin da ake nema. Hakanan ya kamata a bayyana a cikin kwangilar.

Zazzage samfurin yarjejeniyar ajiyar banki (.doc, 52 KB)

Tambaya 5. Shin akwai haraji a kan ajiya (ajiyar kuɗi) don daidaikun mutane a cikin 2019 kuma shin ina buƙatar in biya su?

Dole ne 'yan ƙasa su biya haraji kan kuɗin da aka samu a yankin Tarayyar Rasha. Riba akan adibas ba banda bane, amma tare da sanarwa guda:Harajin kudin shiga na mutum biya kawai waɗancan masu ajiyar kuɗin da suka karɓa a kan ajiyar su kaso da ya zarce na sake sabunta kudin ta 10%.

Don ajiyar da aka buɗe a cikin kuɗin waje, kuɗin da ke keɓe daga haraji shine 9%.

A cikin shari'ar da aka bayyana mazauna za su bayar da jihar 35%, da wadanda ba mazauna ba – 30%... Amma kada ku firgita kuma ku ƙi ajiyar kuɗi. A zahiri, za a biya haraji ba kan dukkan kuɗin shiga ba, amma kawai daga ƙimar yawan kuɗin ajiya akan iyakar da aka kafa.

Masu saka jari ba za su damu ba, tunda ba za su biya harajin samun kudin shiga na mutum ba, tare da cike sanarwa. Idan farashin ya zama kamar haka kuna buƙatar canja wurin haraji, banki zai yi komai da kansa. Sabili da haka, mai ajiyar ba zai lura da wata matsala ba, kawai ya karɓi ɗan riba kaɗan fiye da yadda zai kasance idan babu haraji.

Yau a Rasha, ajiyar banki ɗayan ɗayan shahararrun hanyoyi ne kiyayewa kuma ƙari kudade don mutane. Bugu da ƙari, yanayin su yana da sauƙi da fahimta ga yawancin yawan jama'a.

Masu saka jari za su iya fahimtar duk nuances da dabara lokacin da suke buɗe ajiyar kuɗi, idan sun yi nazarin wannan littafin a hankali.

A ƙarshe, muna ba ku shawara ku kalli bidiyo game da abin da ya kamata ku nema yayin buɗe ajiyar kuɗi, haka kuma a cikin wane banki ya fi fa'ida yin hakan:

PS Magazineungiyar mujallar kuɗi ta Ra'ayoyin Rayuwa tana yi wa masu karatunta fatan nasara a cikin saka hannun jarinsu da kuma saka hannun jari mafi fa'ida. Raba ra'ayoyin ku, tsokaci kan batun bugun kuma kuyi tambayoyi a cikin maganganun da ke ƙasa.

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