Kodi ndi akaunti yanji ku banki ndipo ndi ndalama zotani?

Mapulogalamu a mabanki amagwiritsidwa ntchito pafupi ndi mabungwe onse alamulo, komanso anthu wamba. Posakhalitsa iwo amakhala ndi funso: "Kodi ndi akaunti yanji ku banki?" Yankho lake ndi losavuta: ndi akaunti yamakono ku banki kumene wogula amasungira ndalama zake, ndipo bankiyo, ikulipira izo mu mawonekedwe Chidwi pa kuchuluka kwa ndalamazo. Nthaŵi zina akaunti yothandizira imatchedwa demo kapena dipatimenti.

Mwa kuyankhula kwina, tikhoza kufotokozera kuti akaunti ya ndalama ku banki ndi njira yopulumutsira ndi kuonjezera ndalama zanu pogwiritsa ntchito maofesi a zachuma.

Mbiri ya maonekedwe

Greece ikuonedwa kuti ndi njira imene mfundo zoyamba za akaunti zinayambira . Pa nthawi yomwe kunalibe mabungwe azachuma amakono komanso kuzindikira ndalama zomwe zili mu banki, anthu ankasungira chuma chawo m'kachisi. Iwo amaika katundu wawo mu miphika, alemba dzina lawo ndi tsiku lawo. Panthaŵi imodzimodziyo, tchalitchi chinadzitengera yekha udindo wosunga malingaliro, koma panthawi imodzimodziyo adalandira mphotho ya utumiki woterewu. Izi zinkakumbukira kwambiri ntchito yamakono kuti apulumutse malingaliro pa maselo omwe alipo, omwe mabanki amapereka.

Pa nthawi imene anthu ambiri akusungira ndalama zawo za golide, pali otchedwa "osintha ndalama". Anasunga ndalama kuti adzalandire mphoto. Kenaka adazindikira kuti ndalama za golidi zomwe adazisunga, mungapereke anthu ena ngati ngongole ndikupindula nazo. Panthawi imeneyo, mfundo zoyambirira ndi kumvetsetsa zomwe akaunti yadipiti inali ku banki inabadwa.

Pamene ogulitsa ndalama adapeza kuti osinthana ndalama akupanga ndalama pa ndalama zawo, iwo amafuna kuti apindule nawo. Kuyambira nthawi imeneyo, chiwerengero chowerengera chidwi choyika chiphaso chinaonekera.

Pali mitundu yambiri ya ndalama. M'nkhaniyi, zotchuka kwambiri zimaganiziridwa.

Kodi mtundu wa ndalama ndi chiyani?

Chotsatira ichi chimasiyanitsa:

1. Kufunsidwa.

Ichi ndi mtundu wa ndalama, malinga ndi zomwe zikutchulidwa kuti mgwirizano wa chiphaso ulibe nthawi yeniyeni, ndiko kuti, iwo alibe malire.

2. Kutenga nthawi.

Zomwezo zimakhala ndi nthawi inayake. Kawirikawiri mapangano amatha kwa miyezi 3, 6, 9, 12 ndi 24, koma njira zina ndizotheka. Zomwe ndalamazo zikhoza kubwezedwa kumayambiriro, ngati zoterezi zikuperekedwa mu mgwirizano.

Kodi njira zotani zochotsera ndalama?

Mwa njira yochotsera ndalama zanu, mukhoza kugawa magawowa m'magulu awa:

1. Kumapeto kwa nthawi yonse.

Zomwezo sizingatheke msanga, pokhapokha ngati wogula ataphwanya pangano ndi banki. Koma pakakhala choncho padzakhala zabwino mwa kuchuluka kwa chidwi chomwe banki idzachotsa kwa kasitomala chifukwa cha kuphwanya malamulo osungiramo ndalama zomwe zafotokozedwa mu mgwirizano.

2. Kuchotsa padera ndi kotheka.

Ndalama zoyendetsera ndalama ndi mwayi woterewu zimapangitsa kuti kasitomale athetse ndalama pa akauntiyo, ngati n'kofunikira. Pachifukwa ichi, palibe chilango chimene angamupatse ku banki sichidzagwiritsidwa ntchito.

Ndalama zothandizira ndalama zimatha kuchotsedwa pakhomo la banki, ndipo mwachisawawa amasamukira ku khadi kapena akaunti yamakono. Chifukwa cha ichi, banki ikhoza kuchotsa ntchito zina.

Kodi chiwongoladzanja chimawonjezeredwa bwanji pa ndalama?

Malo osungiramo ndalama kudzera mu ndalama zowonjezera komanso zolipira zimagawidwa mwa:

1. Malipiro ndi malipiro a chidwi kumapeto kwa nthawi.

Izi zikutanthauza kuti chidwi chimene mabanki akupereka pa ndalamazo zimaperekedwa kwa kasitomala panthawi ya malipiro a ndalamazo pamapeto a nthawiyo.

2. Kuchokera ndi ndalama.

Zomwe zimagwiritsidwa ntchito zimatengedwa kuti ndi zopindulitsa kuposa zomwe zapitazo. Izi zikutanthawuza kuti chiwongoladzanja cha mwezi uliwonse chomwe chimadulidwa kwa kasitomala pamsonkho wake, banki imaphatikizapo thupi la ndalamazo, ndiko kuti, kuyambira mwezi wotsatira, chidwi chidzaperekedwa kale pamtingo waukulu.

Kuti mumvetsetse bwino momwe ndalama yanu ikugwirira ntchito ku banki, muyenera kugawaniza ndalamazo malinga ndi momwe mungagwiritsire ntchito ndalama zowonjezera (kapena mgwirizano wogulitsa):

1. Popanda kuwonjezera.

Zokambirana izi sizitsitsidwanso zitatha. Ndalama zoyimitsa ndalama zidzasungidwa mu akaunti ya banki popanda kuchuluka kwa chidwi mpaka ochita kasitomala adzawatenga.

2. Ndi kutalika.

Pakalipano, kuwonjezereka kwa mgwirizano wa dipatimenti ndi ntchito yotchuka komanso yotchuka. Pambuyo pake, ndalamazo zimangokonzedweratu nthawi yomwe mgwirizanowu unatsirizidwa, koma kale muyeso yatsopano. Kawirikawiri, mabanki amakhala ndi mapulogalamu okhulupilika, omwe amakhala nawo nthawi yaitali akuwonjezera kuchuluka kwa chiwongoladzanja kuchokera ku 0.5 mpaka 1%, zomwe zimapindulitsa kwambiri makasitomala.

Mwa njira yowonjezeramo, ikani akaunti ndi:

1. Ndi mwayi wokonzanso.

Zosungiramo zoterezi zikhoza kubwereranso nthawi iliyonse, yomwe ili yabwino kwambiri pamaso pa ndalama zowonjezera zomwe wofuna kubanki akufunanso kuika pa akauntiyi.

2. Popanda kubwezeretsedwa.

Mitundu iyi siingathe kubwezeretsedwanso, yomwe imaperekedwa mu mgwirizano kuti mutsegule akaunti yosungirako.

Kodi ma deposits otchuka kwambiri ndi ati?

Potsatira chitsanzo cha mabanki Achirasha, tingathe kunena kuti wotchuka kwambiri ndi akaunti yachikale ya ndalama. "Alfa-Bank" chifukwa cha ndalama zoterezi, poyerekeza ndi mitundu ina ya ndalama. Zakale ndizo zomwe zimayikidwa pa nthawi inayake popanda kutheka kochepa.

Pofuna kutsegula akaunti ya ndalama ku banki, kawirikawiri munthu amafunika kubweretsa naye pasipoti komanso nambala yowonetsera msonkho.