Zopereka pensioners mabanki amene chidwi opindulitsa?

Akuluakulu - gulu lapadera la ndalama. Ambiri a iwo ndalama banja. Pozindikira zimenezi, magombe akupereka madipoziti kwa pensioners ndi chiwongola dzanja yabwino. Osunga ndalama kuthandiza anthu kumvetsa kuti ndi bwino kusunga ndalama kuchokera kunyumba pansi pilo, ndipo kubanki.

N'chifukwa chiyani yabwinoko yosungira ndalama ku banki?

Akuluakulu - zokwanira anthu m'chimbulimbuli amene nthawi zambiri tiyeni mwa anthu nyumba yake yosadziŵika. Amene akufuna kulanda ndi pensioner, kudziwa kumene ndalama wapeza, ndipo umaimira wantchito thumba penshioni kapena bungwe lina lachifundo. Zithunzi cholinga cha ulendo - kuti apereke thandizo kwa pensioners, koma kwenikweni pambuyo kuyendera otsiriza otayika ndalama. Siyense pensioner limanena zokhudza Zikatero ku polisi, ndi kupeza izi "opindula" ndiye kovuta chifukwa kusintha zovala ndi maonekedwe (tsitsi, kuvala magalasi ndi zina zotero. D.). Kusunga ndalama kubanki ndi owopsa kuposa kunyumba, kuwonjezera, njira akhoza kukhala manja otetezedwa ndi kubweretsa ndalama kwa kasitomala. Ndichifukwa chake ambiri mabungwe a zachuma kupereka gawo chifukwa pensioners ndi chiwongola dzanja yabwino.

"Nkhokwe": zopereka pensioners

Izi bungwe ndalama amapereka ogula ndi zaka zopuma pantchito ali maofesi malawi wokongola kwa ndalama ndi ndalama zina.

Athandiza "pazipita kuchuluka", ngakhale kuti sasamalira kutukula mankhwala monga penshioni choyera adzakhala chidwi kwa gulu ili kwa nzika zonse. The osachepera ndalama - 10 zikwi rubles. The chiwongola dzanja imasiyana malingana ndi mawu ndi kuchuluka kwa gawo. Mwachitsanzo, pamene inu kupanga dipositi kwa masiku 31 mpaka 90, mlingo wa obwereza mwa kuwonjezera kuchuluka kwa kuchuluka kwa 6.2% kuti 6.5% pa annum. Ngati inu kulowa pangano la nthawi za kwa masiku 91 mpaka 180, mukhoza kupanga phindu kuchuluka kwa 9.7 kuti 10% pa annum. N'zotheka kutsegula chuma kwa miyezi 6 mpaka 12. Pankhaniyi, mlingo zokolola adzakhala osiyanasiyana monga 9,95 kuti 10,25%. The yokhala mu komitiyi ya gawo - masiku 1095.

Zopereka pensioners "Binbank" - kulipira! Gawo pulogalamu "wamakhalidwe penshioni" - mpata aganyali ndalama angapo. Gawo mu rubles akhoza mpata kwa masiku 181 kwa 365 (9.25%), kuchokera 366 mpaka 729 (8.35%) ndi masiku 1095 (7.50%). Gawo akhoza lidatseguka madola US. zokolola mlingo wa zopereka mawu a masiku 181 kwa 365 anali 2.2%. Ngati inu kutsegula chuma kwa nthawi yaitali (mwachitsanzo masiku, kuchokera 366 mpaka 729), zokolola zingawonjezere pang'ono ndi kuchuluka kwa 2,65%. The chiwongola dzanja pa madipoziti dollar kwa zaka kuchokera 730 mpaka masiku 1095 - 1,95%. chopereka umakhala mu yuro komanso.

"Bank of Moscow": bwana kwa pensioners

banki amapereka kwa anthu mapulogalamu pantchito zaka gawo mwapadera mu ndalama dziko. Mwachitsanzo, zikhalidwe za gawo: "Malipiro pazipita" motere:

• osachepera ndalama - 1000 rubles;
• mawu a mgwirizanowo - kusankha makasitomala a (kwa masiku 91 kuti 1095);
• gawo chiwongola dzanja - 9% pa annum.

Zopereka pensioners mu "Bank of Moscow" - ndi opindulitsa kwambiri! The Bank nayenso apanga mapulogalamu a chabe akulandira owonjezera ndalama "Kukula Zolemba malire." Mawu a gawo ndi osachepera kuchuluka ndi chimodzimodzi mu gawo pamwambapa. The chiwongola dzanja - 8,68%. "Bank of Moscow" amapereka kwa makasitomala ake 'ndalama nkhani, zomveka kalekale. Anapuma mwina kubwezeretsanso nkhani zawo popanda malamulo ndipo amafuna kupereka chidwi 5% ndalama. Komanso, banki zachitika pulogalamu lakuti "penshioni Current". Ndalama ndi mawu a Kusinthaku chimadalira pa mtima wa pensioner, ndi ndalama adzakhala 4% pa annum.

Zopereka anapuma ku mabanki ena

Ambiri mabanki Russian apanga kwa pantchito zaka madipoziti yeniyeni makasitomala. Mwachitsanzo, "Sberbank la Russia" amapereka chopereka kwa "recharge". The osachepera ndalama - 1000 rubles. The chiwongola dzanja pa ndalama ndi 8% pa annum. Ndalama akhoza adzaikidwa zaka 3. gawo lochuluka kukwera pang'onopang'ono. Zikathandizire "amasunganso" tingatsimikize inakhazikitsa mu bungwe ili ndalama. Pa mlingo wa 9,07% pa annum pensioners akhoza kuika ndalama pa nyengo iwo nthawi.

C pensioners zimathandiza "Rosselkhozbank". Anthu okalamba komanso achuluke nkhokwe zawo ndalama, kugwira ntchito ndi banki. "Ulimi Bank" amapereka zopereka nyengo pensioners ndi chiwongoladzanja chochuluka. Gawo "penshioni Plus" amapereka kuthekera kwa kubwezeretsa ndi osachepera kuchuluka kwa ntchito choyamba ndi 500 rubles. The chiwongola dzanja lidzayenere makasitomala onse, chifukwa "Russian ulimi Bank" amapereka makasitomala ake mwayi kupeza 9% pa annum pa kutsegula kwa gawo la 1 chaka ndi 8% - pamene kuwayika gawo zaka 2.

Zopereka pensioners - mtengo wogwira njira ndalama pa malo abwino ndi mpata wabwino kuti apeze ndalama zina.