Kana shirin bude wani ajiya? Ka mai da hankali!

A m bayani o ƙarin ƙara da kudi samuwa iya zama da bude wani ajiya a banki. Wannan sauki hanya za a iya wuya kawai ta zabi wani bashi ma'aikata. Gasar da aka tilasta bankuna je dukan dabaru a cikin bin abokan ciniki. Talla taken da hankali zukatan m zuba jari, miƙa mafi m sharuddan. Ka yi kokarin fahimtar abin da amfani adibas da kuma abin da ke bãyansu, babban lambobin ban sha'awa rates, wanda ya bayyana a cikin banki da bada shawarwari.

Ajiye wani monetary taimako ya kasance kullum, kuma ya kasance mafi m kudi da makami. A cikin tsohon kwana, kawai da tanadi bankuna iya samar da kafaffen data ajiya da kuma kudi girma. Tun daga nan, yawan bankuna ya karu da sau da dama a kan. Sauki na nufin locating hanyoyin tabbatar da cewa duk wani ƙarin takardun for bude wani ajiya ake bukata. Rasha zuba jari ne isa a yi your fasfo, 'yan kasashen waje bugu da žari gabatar da wani hijirarsa katin da rajista a kasar mu.

A wahala ga abokin ciniki a lokacin da zuba jari kudi ne kawai a zabi wani abin dogara banki da kuma irin ajiya. High amfani rates, har zuwa 11.6% annum, mafi sau da yawa ya miƙa hadayarsa, batun da kudi ga cikin dogon lokaci. Saboda haka, bude ajiya "FFT +" a cikin bankin aikin kudi zai kawo abokin ciniki riba na 11.15% annum tare da wani ajali masauki a 549 kwanaki. Kusan wannan yanayi a Ergobanka tare da taimako na "Amber". Wadannan biyu ajiya kayayyakin yau top da jerin tasiri gudunmawar, wanda adadin zuwa banki da masana.

The girma na adibas miƙa ta bankuna, mayar da hankali a kan sha'awa kudi na 9-10% annum. A samu wani gagarumin riba gudummawa iya kawai magana a wani zuba jari a wani kudi ma'aikata a babban birnin kasar na dogon lokaci. Irin wannan tsari, misali, advertises "Opening" Bank. Adibas "Classic" domin da sha'awa kudi na 10% kafa wata ƙaramar yawan gudunmawar - 3 miliyan rubles, da jeri lokaci - 3 years. Interest za a iya samu ko dai a kowane wata, ko kuma mu ƙara su zuwa babba ajiya da kuma sama a karshen kwangila.

Duk da haka, wannan masana bayar da shawarar karfi bude wani ajiya a wuce haddi na dubu 700 rubles for guda taimako. Inshora tsarin iyaka cewa iyakance adadin diyya idan banki da ake rufe. A lokacin da zabar wani banki da kuma da dama ajiya yarjejeniya, ya kamata a tuna da cewa gano iya zama mafi riba adibas da wani talakawan sha'awa kudi a karkashin wadannan sigogi:

• damar zuwa replenish da ajiya .
• capitalization taimako samar da cajin "sha'awa a kan amfani".
• da yiwuwar farkon ƙarshe na ajiya yarjejeniya tare da m asarar amfani.

A karshe, a lokacin da zuba jari da manyan kudi na dogon lokaci shi ne fin bude dama adibas a daban-daban ago. Irin wannan forethought zai taimaka tabbatar da tasiri masu zuba jari da kuma tsaro.