Kodi kuwerengera chidwi pa madipoziti banki?

Lero, funso mmene kuwerengera chidwi pa madipoziti si zovuta kwa iwo amene ali ndi Internet ndipo akufuna kuika ndalama kubanki ndi mwaukadaulo patsogolo. Chotero bungwe ngongole, monga ulamuliro, malo pa tsamba la Chiwerengero aliyense mtundu wa madipoziti, zimene zikusonyeza mmene ndalama adzalandiridwa, zochokera kuchuluka kwa ndalama, chiwongola dzanja ndi mawu.

Musanayambe kuwerengetsa chidwi pa madipoziti, n'zomveka kuphunzira mwatsatanetsatane mfundo za mgwirizano. Mwachitsanzo, pali madipoziti, omwe anapha kuchuluka ndi mkulu wapatsidwa pokhapokha ngati kuchuluka kwa "Dolezal" mosamalitsa mpaka mapeto a nthawi. Mwachitsanzo, akaika $ 100 pa 5 peresenti chifukwa 1 chaka, mudzalandira 100 × 0.05 = 5 rubles kwa chaka. Ngati ndalama kudzipatula msanga ndi chopereka, kuchuluka akafuna 2 rubles, monga chifukwa imeneyi Amawapatsa pa yafupika chiwerengero mlingo (lokhazikika kapena m'kukoma tuzigawo twa a manambala anasonyeza zinthu).

Chinthu china, ngati mawu a mgwirizano anapereka chidwi accrued kwa nthawi yosakwana chaka chimodzi. Kodi kuwerengera chidwi pa madipoziti mu nkhani iyi? Kuchita izi, ntchito mfundo zotsatirazi: (1 + R * a K \ T \ 100) N - kumene K ndi Uwerenge gawo la, P - ndi chiwongola dzanja, K - chiwerengero cha masiku a nthawi iliyonse mlandu (mwezi, kotala), G - chiwerengero cha masiku chaka (365, 366), N - chiwerengero cha milandu m'chaka (pa milandu mwezi - 12 kwa miyezi itatu iriyonse - 4).

Ngati adzapereke chiwongoladzanja monga kuchuluka kale masamu mu nthawi yapita, chiwerengero cha amaonedwa mfundo: Mu kuchulukitsa ndi (1 + N \ 100 \ n), kumene mawu m'mabokosi liukitsidwa N. Mwachitsanzo, inu 100 rubles pansi 10% pa annum ndi chidwi mwezi uliwonse, inu musamagende. Chidwi Pankhaniyi amalandira 100. * (1 + 10 \ 100 \ 12), chithunzi mwapadera liukitsidwa digiri 12.

Ena obwereketsa kupereka osiyana- siyana anthu mu pulogalamu wina mitengo osiyana chidwi pa madipoziti. Sberbank Mwachitsanzo, zina, amasankha amadwala kwa anthu a zaka zopuma pantchito (akazi 55, amuna zaka 60). The Tinganene kuti zikuluzikulu kuchuluka kwa chuma ndi yaitali ndi ku banki, chiwerengero apamwamba. Komabe, mu nthawi yayitali, mlingo akufuna zingakhudze zinthu zina, kuphatikizapo:

1. General mmene chuma chikuyendera. The kwambiri chuma zingachitike kwambiri kufunika kwa ngongole, ndi apamwamba mlingo kuti mabanki angathe kupereka depositors awo.
2. Kukhazikitsidwa kwa ndalama dziko. Khola zochepa Ruble, ndi kufufuma kwambiri, mitengo wamkulu gawo.
3. Mkhalidwe wachuma wa bungwe yeniyeni chuma ndi dongosolo lonse. Ngati bungwe ngongole Chatuluka ngongole zambiri, ndiye kungakhale kuchepekedwa ndalama, omwe kumatanthauza chodabwitsa cha ziwawa pa madipoziti. Major mabungwe ena azachuma, monga ulamuliro, sapereka mavuto, chifukwa iwo safunika zina "kulipira owonjezera" kwa makasitomala awo chifukwa chiopsezo.
4. Makamaka mfundo msonkho, thupi zolimbana ndi zina.

Posachedwapa analemba maonekedwe a mabanki "pafupifupi", umene unalipo mu mawonekedwe a tsamba Internet. Angapereke mitengo kwambiri mkulu chidwi pa madipoziti ndi zokonda zina. Pankhaniyi, mufufuze pa webusaiti ya Bank ku Central kuli gulu lotero, kuti atsimikizire deta alendo, nambala ya laisensi, kalembedwe maina, kupezeka kwa danga ofesi, ogwira, monga Apo ayi, mukhoza kulipira ndalama m'manja mwa fraudsters, kenako funso "mmene kuwerengera chidwi pa madipoziti" Mwina kudzachitike kalekale.