Ngā mō penihana pareparenga i ai te moni hua?

Seniors - he kāwai motuhake o pūtea. Te nuinga o ratou i penapena whare. Ite tenei, kei te whakahere i te pareparenga putunga mō penihana ki ngä päpätanga huamoni pai. Peeke taea iwi ki te matau e ko te reira pai ki te pupuri i atu i te kāinga moni i raro i te urunga, me te pūkete pēke.

Te aha e mea pai ki te pupuri i te moni i roto i te pēke?

Seniors - iwi heahea nui te hunga e maha tukua ki tona fare tangata unknown. Ko te hunga e hiahia ana ki a pahua ana te penihana, e matau ana te wahi te nuinga o te moni i i kitea e ia, a ka tohu he pūtea penihana kaimahi whakahaere aroha ranei. Visual whāinga o te haerenga - ki te whakarato i etahi āwhina ki penihana, engari tino i muri i te haere ki te moni ngaro whakamutunga. ta e kore penihana katoa e pā ana ki taua take ki te pirihimana, ka ki te kitea enei "atawhai" ka rawa uaua no te mea ratou huri kakahu me te ahua (tae makawe, kakahu mohiti, me te pera i runga i. D.). Hei pupuri i te moni i roto i te pēke, ko nui haumaru atu i te kāinga, i roto i te tua, kia tikanga i roto i te ringa haumaru, me te kawe moni ki te kiritaki. Ko te aha e rave rahi pūtahi pūtea whakahere tāpui mō penihana ki ngä päpätanga huamoni pai.

"BIN": takoha hoki penihana

Tenei whare pūtea tuku ona kiritaki te whakatā tau he noho whakaurunga ātaahua mō penapena me utu atu.

Takoha "ōrau mōrahi", ahakoa e kore e reira whakarato ngā hua rite te penihana parakore, ka waiho o te moni mo tenei kāwai o tangata. Ko te nui tāpui iti - 10 mano moni. Ko te auau huamoni rerekē i runga i te wā me te nui o te moni tāpui. Hei tauira, ina meinga koe hei moni tāpui mō te wā o 31 ki te 90 ra, te tere o te hoki i te whakanui ake i te nui o hua i 6.2% ki te 6.5% te tau. Ki te tomo koutou ki tetahi kirimana mo te wā o i 91 ki te 180 nga ra, ka taea e hanga e koe he pai i roto i te nui o 9.7 ki te 10% te tau. Taea ki te whakatuwhera i te moni tāpui mō te wā o te 6 ki te 12 marama. I roto i tenei take, ka whānui te auau tukua i 9,95 ki 10.25%. Ko te wā mōrahi o te moni tāpui - 1095 ra.

Ngā mō penihana "Binbank" - utua reira! hōtaka whakatakoto "penihana tika" - ha faingamālie ki te haumi i roto i Moni maha. Ka taea te whakatuwheratia tāpui i roto i moni mo te wā o 181 ki te 365 nga ra (9.25%), i 366 ki te 729 (8.35%) me ki runga ki te 1095 ra (7.50%). Ka taea te whakatuwheratia tāpui i roto i US tāra. tukua tere o takoha o te wā o 181 ki te 365 ra ko 2.2%. Ki te whakatuwhera koe i te moni tāpui mō te wā roa (hei tauira, i 366 ki te 729 nga ra), ka whakanui i paku me te nui o te tukua ki te 2.65%. Ko te auau huamoni i runga i putunga tāra mo te wā o i 730 ki te 1095 ra - 1.95%. Ko whaimana i roto i te ūropi hoki te whakahere hapahapai.

"Bank o Moscow": tono hoki penihana

Tuku tenei pareparenga ki te iwi o ngā hōtaka moni tāpui faatuhaaraa tau anake i roto i te moni motu. Hei tauira, te tikanga o te moni tāpui "whiwhinga mōrahi" e whai ake:

• te nui tāpui iti - 1000 moni;
• wā o te kirimana - kōwhiringa o te kiritaki (i 91 ki te 1095 ra);
• tāpui auau huamoni - 9% te tau.

Ngā mō penihana i roto i te "Bank o Moscow" - he tino pai! Kua whakawhanakehia hoki e te Bank he hōtaka o hokohoko ai hāngū moni anō "tupu mōrahi." Ko te rite i roto i te moni tāpui runga ake te wā o te moni tāpui me te nui iti. Ko te auau huamoni - 8,68%. "Bank o Moscow" tuku ki ona kiritaki 'pūkete penapena', tika ake. Mutu kia kapi ratou pūkete, kahore here, me te haere atu ki te hoatu i te 5% moni rite moni. Hoki, kua whakawhanakehia te pēke he hōtaka e tika ana "penihana nāianei". nui tāpui me te wā o te whakanohonga tei runga i te hinaaro o te penihana, a ka waiho i te moni 4% te tau.

Ngā mō retirees i roto i te tahi atu tahatika

Kua whakawhanakehia maha pareparenga Russian mo te tūranga tau putunga kiritaki motuhake. Hei tauira, "Sberbank o Russia" tuku te takoha ki "Recharge". Ko te nui tāpui iti - 1000 moni. Ko te auau huamoni i runga i haumi o te 8% te tau. Ka taea te whakanohoia moni ki runga ki te 3 tau. kia ara āta tukua tāpui. Ka taea te tukuna takoha ki "pupuri" ano i roto i tenei whare pūtea. I te tere o 9,07% ia penihana tau e taea tuu te moni i runga i pai mo ratou wa.

penihana C mahi hoki "Rosselkhozbank". kia nui hoki te iwi ruhiruhia ratou rāhui moni, mahi ana ki te pēke. "Agricultural Bank" tuku takoha pai mō ngā penihana ki te moni teitei. Whakatakoto "Pension Plus" whakarato mo te taea o whakakī me te nui iti o te tono tuatahi ko te 500 moni. Ka hāngai te auau huamoni kiritaki katoa, no te mea "Russian Agricultural Bank" tuku ona kiritaki te whai wāhi ki te whiwhi 9% te tau i te whakatuwheratanga o te moni tāpui o te 1 tau, me te 8% - ka whakatakoto i te moni tāpui mō te 2 tau.

Ngā mō penihana - he utu ara whai hua ki te whakaora i te moni i roto i te wahi haumaru, me te whai wāhi pai ki te riro moni atu.