Asusun Facto ya sanya kansa a matsayin ɗayan mafi kyawun kayan aiki don ajiyar abokin ciniki don haɓakawa ta hanyar samfuri mai sauƙi don yin kwangila kuma tare da mafi ƙarancin haɗari (1/6 bisa ga hasken zirga-zirgar haɗari, tare da 1 kasancewa mafi ƙarancin haɗari da 6 mafi girma ). Oneaya daga cikin mahimman halayen wannan asusun banki shine cewa an gabatar dashi ƙarƙashin ƙirar kwangila sau biyu. A gefe guda, asusun bincike kuma a daya bangaren a babban riba cewa muhimmanci inganta matsakaita matakan biya waɗanda ke ba da waɗannan kayayyakin kuɗin a halin yanzu. Ci gaban Banca Farmafactoring, ƙungiyar da ke aiki a duk faɗin ƙasar.
Oneaya daga cikin abubuwan da za a ba da kwangilar El Depósito Facto shi ne saboda abokan ciniki za su iya haɓaka ragin riba mai rauni waɗanda wasu ƙungiyoyi ke gabatar musu. Musamman, wannan asusun na kirkirar yana bada ƙimar riba har zuwa 1,25% APR *. Amma tare da sanannen sanannen game da sauran ajiyar kuɗi kuma wannan shine cewa a wannan yanayin masu amfani ne da kansu suka zaɓi ainihin ranar karewa. Samun damar jagorantar gudummawar kuɗaɗensu zuwa 12, 36 ko ma watanni 60, ya danganta da bayanin martabar da suke gabatarwa a matsayin kanana da matsakaitan masu ceto.
Duk wannan, a cikin yanayi kamar na yanzu, inda matsakaiciyar ribar Mutanen Espanya akan adanawa tare da sharuɗɗan fiye da shekara ɗaya ya kai 0,13%, bisa ga sabon bayanan da Babban Bankin Turai (ECB) ya buga akan riba zuwa ajali ambatacce wadannan kayayyakin tanadi. Ta wannan hanyar, ajiyar da aka sanya ta hanyar Facto Account zai inganta ribar da take bayarwa ga masu amfani da banki ta hanyar sama da kashi ɗaya cikin ɗari. Har zuwa ga cewa an ba shi lambar yabo ta Rankia a matsayin Mafi Kyawun ajiya na 2017.
Asusun Facto: kwangilar kan layi
Wani daga cikin alamun wannan samfurin bankin shine ana iya yin kwangilar ta 100% ta yanar gizo kuma ba tare da buƙatar jira a layuka ko cikin gaggawa ba idan bankin ya rufe. A wasu kalmomin, duk ajiyar kuɗin da aka danganta da wannan asusu na iya zama cikin rijista daga gida ko wasu wurare. A kowane lokaci na rana da sanin daga farkon abin da zai dawo wanda za'a samu akan ajiyar da aka ajiye.
Asusun Facto yayi la'akari da ƙimar fa'idar shekara-shekara ta 0,20%, tare da ƙididdigar ribar kowane wata da aka yi ranar karshe ta kowane wata. Wata gudummawar da ta fi dacewa ita ce, an keɓance ta daga kwamitocin don gudanarwarta ko kulawarta.
Adadin Facto shine ɗayan mafi kyawun biya a wannan lokacin kuma tare da ƙarin fa'idar cewa tana da tsaro da garantin Asusun Tabbatar da Adadin. Saboda a zahiri, Bankin Pharmafactoring, mai ba da samfurin, an haɗe shi da Asusun Tabbatar da Adadin Italia. Wannan a aikace yana nufin cewa masu ajiyar kuɗi za su murmure har zuwa Yuro 100.000 ga kowane ajiya da abokin ciniki idan akwai wani lamarin banki.
Yadda ake bude Account na Facto da yin ajiya?
Idan kana son zama mamallakin wannan samfurin don tanadi, ba za ka sami matsaloli da yawa don aiwatar da aikin ba kuma zai ɗauki minutesan mintuna kaɗan don daidaita aikin. Kamar yadda muka nuna a baya, budewar sa yana kan layi gaba daya. Wannan yana nufin cewa duk abubuwan da ake buƙata dole ne a tsara su daga kwamfutarka, kwamfutar hannu ko wayo. Ta hanyar hanya mai sauki ga kowane mai amfani da banki wanda aka bunkasa a cikin matakai uku masu zuwa wanda zamuyi bayani a kasa:
- Kammala fom din da zaku samu akan gidan yanar gizon su a cikin abin da dole ne ku bijirar da bayanan sirri mafi asali. Kamar yadda akeyi tare da wasu asusun da ajiyar kuɗi.
- Don sanya hannu kan kwangilar.
- Kuma azaman kashi na uku kuma na ƙarshe na aiwatar za'a kasance kawai sarrafa shi, duka asusun da ajiyar, daga naurorin fasaharku daga wannan daidai lokacin. A wannan ma'anar, don kunna asusun dole ne ku yi canji daga kowane asusun da kuke da shi a cikin wani mahaɗan zuwa asusunku na Facto. Da zarar asusun ya fara aiki, zaku iya sanya Facto Deposit tare da adadin (tsakanin € 10.000 da € 3.000.000) da kuma ajalin da yafi dacewa da bukatunku (tsakanin watanni 3 zuwa 60).
Lissafa yawan fa'ida
Na adadin Yuro 10.000 na tsawon watanni 60, wasu babban kudin Tarayyar Turai 625. Domin a wannan yanayin, yawan kuɗin da za a yi amfani da shi a kanku zai zama matsakaici, 1,25%. Koyaya, iyakokin riba ba koyaushe zasu kasance iri ɗaya ba tunda zasu haɓaka ci gaba gwargwadon lokacin dindindin da kuka zaba. A kowane hali, suna motsawa sama da matsakaita, tsakanin 0,25% da 1,25%.
Mafi karancin ajiya, misali zuwa watanni 12, sune wadanda ke samar da riba mafi kankanta (0,75%), yayin da idan aka tsawaita wa'adin zuwa watanni 36, yawan amfanin gona ya tashi zuwa 0,90%. Akasin haka, don samun iyakar adadin zai zama dole don zaɓar lokacin 60 watanni. Tare da wasu manyan bukatun a bankin kasa.
Abubuwan da yakamata kuyi tunani kafin haya ajiya
- Una mafi sassauci ta yadda zaku iya dacewa da duk yanayin da tattalin arzikinku na gida ya haifar.
- Nemi wani kudin amfani sama da alamar wannan rukunin kayan banki.
- Banda wasu kudaden a cikin aikin su, duka a cikin gudanarwa da kulawa.
- Nemi komawa ga tanadi a gaba ta yadda zaka samu kudin ruwa kafin karewar sa.
Yanayin wannan shawarar
Sharuɗɗan da aka ba da gudummawar tattalin arziƙi daga 3 zuwa watanni 60. Tare da mafi ƙarancin gudummawar euro 10.000, a cikin menene mafi kyawun kyauta ga mutane waɗanda tsarin banki ke gabatarwa. A cikin kowane hali, idan akwai wani sabon abu wanda wannan samfurin yayi fice dashi, saboda an yi su ne da sassaucin ra'ayi kowane kwana 90. Don haka ta wannan hanyar, zaku iya jin daɗin dawo da tanadi a gaba. Ba tare da jiran lokacin karewarsu ba, kamar yadda lamarin yake tare da kyakkyawan ɓangare na ajiyar kuɗin da ake samu a cikin tayin banki na yanzu.
Yana da wani zaɓi don ƙara tanadi kadan da kaɗan kuma hakan ana samunsa ta hanyar aminci da tabbaci. Duk abin da ya faru a kasuwannin hada-hadar kuɗi, masu ajiyar kuɗi za su sami tabbacin cewa ribar da wannan samfurin ya samar zai tafi asusun ajiyar kuɗi. Ba tare da kowane irin hanyoyin haɗi ba, kuma ba tare da buƙatar yin kwangila da wasu kayayyakin kuɗi ba. Anyi amfani dashi ta hanyar tsarin yanar gizo don ƙwarewar sa wani ɗayan mahimman abubuwan haɗin ginin ta ne. Tare da ribar da take bayarwa ga ajiyar abokan ciniki.
* APR na 0,25% (0,25% NIR) don ajiyar wata 3, APR na 0,75% (0,75% NIR) don ajiyar wata 12 da APR na 1,25% (1,25, 60% TIN) don ajiyar wata 10.000 . Daga € 90 kuma tare da sasantawa kowane kwana XNUMX. Bayarwa don mutane.