Mu banki ndi yopindulitsa kwambiri kutsegula chiphaso: chiwongoladzanja, chikhalidwe

Munthu akapeza ndalama zambiri, amaganiza kuti ndibwino kuti asawasunge kunyumba. Ndipo lingaliro limabwera kukumbukira kutsegula chiphaso, ndipo ngakhale pa chidwi. Ndiye ndalamazo, monga zimanenera, zimagwirira ntchito kwa mwini wake. Lingaliro siloipa, koma choyamba muyenera kusankha pa banki. Ndibwino kuti mukambirane mwachidule za maofesi omwe amapezeka kwambiri ku Russia.

Sberbank

Anthu ambiri amasankha kutsegula zopereka ku bungwe lodalirika komanso lodalirika. Mulimonsemo, izi zikuwoneka kuti ndi Sberbank. Pano, okwera makasitomala amayembekeza zopereka zambiri zokongola. Mukhoza kupanga chithandizo cha chisangalalo chotchedwa "Chofunika Kwambiri". Imatsegulidwa kwa masiku 175. Mtengo uli mpaka 8% pa chaka. Monga mphatso kwa kasitomala pali pulogalamu ya inshuwalansi.

Palinso chilolezo cha "Sungani". Ikhoza kutsegulidwa kwa mwezi umodzi komanso patapita zaka zitatu. Mpaka pachaka ndifika ku 6.49%.

Palinso "Kubwezeretsa", "Kusamalira", "Kupatsa moyo", "Multicurrency", "International" ndi "Savings". Apa ndi yomalizira kuti mufotokoze mwatsatanetsatane, chifukwa ndi yotchuka kwambiri, chifukwa ilibe malire, ndipo imabweretsanso, popanda kuchotsa malire ndi ndalama zochepa. Mtengo ukhoza kusiyana ndi 1.5 mpaka 2.3%.

Tangoganizani kuti munthu akufuna kutsegula ndalama kwa chaka chimodzi ku Sberbank ndipo nthawi yomweyo amaika ruble milioni m'nkhaniyi. Mwezi ulionse amaubwezeretsanso ma ruble 20,000. Chotsatira chake, kwa chaka iye adzadziunjikira ma ruble 1 262 200, omwe 22 209 - ndalama zopezeka. Komabe, ndi zomwezo "Popolnyay" amapeza zambiri zidzatha. Pambuyo pake, mlingo ndi 6%. Ndipo ndizikhalidwe zomwezo, phindu lomaliza lidzakhala mabomba 66,800.

VTB-24

Anthu ambiri amasankha kutsegula ndalama ku banki iyi. Zomwe zilipo ndizokwanira. Koma zabwino ndizo "zopindula" zomwe zili ndi chiwerengero chapamwamba cha 8.55%. Pokhala ndi zopereka zoyamba za ruble 1,000,000, ndalamazo zidzakhala mabomba ochepa oposa 80,000. Mwa njira, chidwi chikhoza kutsekedwa pa akaunti ya ndalama, kapena kutumizidwa ku khadi. Umu ndi mmene makasitomala akufuna. Ngakhale VTB-24 ndi yabwino chifukwa imapereka zowonjezereka zowonjezereka kwa ndalamazo ndi zofunikanso kuti ziwonongeke mwamsanga.

Koma "Zopindulitsa" ndizoipa chifukwa akaunti sangathe kubwereranso. Choncho, ndizovuta kwa anthu omwe ali ndi ndalama zokwanira, zomwe zingatsegule ndalama zambiri. Koma "Wodalitsika" ndi "Wowonjezera" - ndalama zowonjezeredwa. Ngati lipoti la mwezi ndi ruble 20,000, pamapeto pake phindu lidzakhala 62 ndi 78,000 rubles, motero.

Rosselkhozbank

Ili ndilo bungwe lina lodziwika bwino la zachuma. Ambiri amasankha kutsegula ndalama mu ruble pomwepa. Imodzi mwa mapulogalamu otchuka kwambiri ndi msonkho wa "Classic". Ndalama zochepetsera ndalamazo ndi ma ruble 3,000. Sichidzabwezeretsanso, koma chiwerengero chapamwamba ndi 8.55%. Mwa njira, mukhoza kutsegula chiphaso kwa masiku 31 mpaka 1460. Ngati mupereka ndalama kwa nthawi yochulukirapo ndikuyika ndalama zokwana milioni imodzi, phindu lonse lidzakhala laling'ono loposa makumi asanu ndi limodzi (335,000). Koma izi ndi za nthawi yaitali kwambiri. Komabe, ngakhale mutapereka ndalama kwa masiku 395, pamapeto pake phindu lidzakhala 86,000.

Zotchuka kwambiri ndi mtengo wa "Amur Tiger" womwe uli ndi mtengo waukulu mpaka 8.1%. Pali mau atatu - 395, 540 ndi 730 masiku. Ndalama zosachepera ndi 50,000 rubles. Chidwi chimalipidwa mwezi uliwonse ndipo kumapeto kwa nthawi ikuyitanidwa ku khadi la debit limene limaperekedwa kwa kasitomala pambuyo pake. Ikhoza kulipira ntchito zogwiritsira ntchito, mauthenga apakompyuta, kugula m'masitolo a pa intaneti. Ndipo munthu wina, akuchita masewera ndi khadi ili, amathandiza kuteteza nkhuku zosiyana za Amur. Gawo la ndalama za "Rosselkhozbank" zimasamutsidwa ku Phunziro la Kuphunzira ndi Kusungidwa kwa zinyama zosadziwika.

OTP

Munthu sangathe koma akuyang'anitsitsa chidwi cha bungwe lino, akuuza za banki kuti atsegule ndalamazo. Pali zifukwa zambiri mu TNA. Mtengo wa "maximum" umapereka mlingo wa 8.3% kwa miyezi 3, 6, 9 ndi 12. Kuchuluka kwa ndalamazo ndi 30 000 rubles, kubwezeretsedwa ndi kuchotsa sizingatheke. "Kuchulukitsa" mtengo wa ndalama ndi 7.6%, Penshoni ya ndalama 7.4%, ndi Gibkoy 6.7%. Palinso akaunti yosungirako yomwe ili ndi chiwerengero cha 6.5%.

Chabwino, mungapereke chitsanzo cha zizindikiro za phindu. Ngati munthu adayika ruble milioni ndipo mwezi uliwonse adabweretsanso akauntiyo ndi 20,000, pomwe kumapeto kwa chaka pa "Kusonkhanitsa" adzakumana ndi 73 200 p. Izi ndizothandiza phindu. Pankhani ya "Pension" ndalamazo zidzakhala pafupifupi 83,000. Ndipo malinga ndi "Flexible" msonkho kumapeto kwa nthawiyo zidzakhala zotheka kupeza mabiliyoni 74,000. "Kutalika" kuli koyenera kwa anthu omwe ali ndi ndalama zambiri, popeza kubwezeretsanso kwake sikunaperekedwe.

Gazprombank

Gawo lina la a Russia limasankha kutsegula chiwongoladzanja chochita chidwi m'gulu lino. Gazprombank ili ndi zotsatira zisanu. Zonsezi zimagwirizana ndi ndalama zoyambirira. Njira yoyamba ndi "Kuwonetsa" ndi chiwerengero chapamwamba cha 8.2%. Mawuwo akhoza kukhala kuyambira 3 miyezi mpaka zaka zitatu. Kubwezeretsedwa sikuperekedwa.

Palinso "Kusonkhanitsa". Mtengo uli pansi pa 8%, koma mukhoza kubwezeretsa akauntiyo, monga momwe ziliri ndi "Mphamvu" ya msonkho, momwe mtengo wake ulili ndi 7.9%, koma kuchotsedwa kwapadera kumakalipobe. Palinso phindu loti "Nyumba" (6.7%).

Njira yowonjezereka ndiyo "Kusonkhanitsa". Pokhala ndi ndalama zoposa miliyoni, kumapeto kwa chaka kudzathekera kupeza mabungwe 74,000. Koma ngati mumagwiritsa ntchito ndalama zowonjezera, "kutsegula ndalamazo kwa zaka zitatu, ndiye kuti pamapeto pake mudzatha kupeza chiwongoladzanja pa dongosolo la 210,000.

Alfa-Bank

Pomaliza, nenani mawu ochepa ponena za gulu lino. Wina akuganiza kuti atsegule ndalama ku Sberbank, pamene ena amawakonda kwambiri ndi Alfa.

Choyamba chopereka ndi "A +" msonkho. Mtengo udzakhala 7.3%. Pokhala ndi ndalama zokwana milioni, kumapeto kwa chaka kudzatheka kupeza 75,000. Momwemo ndalama zotere zimatchedwa "Kupambana". Pokhapokha vutoli ndi 7.87%, ndipo phindu lomalizira, motero - pafupifupi 79,000 rubles. Choperekacho, mwachinsinsi, chingatsegulidwe kwa masiku atatu mpaka 750.

Komanso palinso mtengo wa "Life Line". Banki imapereka gawo la ndalama zomwe alandira kuchokera kwa makasitomala ku thumba lomwelo, lomwe limapanga chikhalidwe cha chikondi mmalo mwawo ndipo ndalama zimathandiza ana omwe ali ndi matenda aakulu. Kuwonjezera pa pamwambapa, makasitomala amaperekedwa kuti "Zotheka", "Premium" ndi "Premier" ndalama.

Kawirikawiri, monga tikuonera, mabanki onse ali ndi zinthu zabwino. Mulimonsemo, munthuyo adzalandira phindu, ndipo phindu lake lidzadalira kuchuluka kwa zomwe wapereka komanso ndalama zomwe adasankha. Musanapite ku bungwe la zachuma, ndibwino kuti mudziwe zambiri zomwe mumapereka ndikuwerengera ndalama zomwe mungakwanitse.