Zuba jari a cikin kasuwar hannun jari ana aiwatar dashi ta hanyar siye da siyar hannun jari a cikin kasuwannin hada-hadar kuɗi. Amma a yanzu kuna da wata dabara ta asali don rage haɗari kuma, ba zato ba tsammani, sami yi wa ajiyar ku wanda ya zarce na kayan banki na gargajiya. An samo shi ta hanyar ajiyar lokaci wanda kusan dukkanin hukumomin banki suka haɓaka. Samfurin takamaimai ne wanda ke ba ku damar amfani da ingantaccen juyin halitta na kasuwannin kuɗi.
Ayan halayenta masu dacewa shine cewa a kowane lokaci ba zaku sami damar haifar da asara ba. Amma akasin haka, zaku sami tabbataccen amfani mai tabbaci kowace shekara. Zai zama ƙarami kaɗan, amma idan yanayin ƙa'idodin da aka alakanta da adibas suka cika, zaku iya inganta waɗannan ƙananan abubuwan. Har sai samu tsakanin 3% da 6% kusan riba. A kowane hali, waɗannan adibas ɗin suna da lokacin riƙewa fiye da na zamani. Ba abin mamaki bane, yawanci suna zuwa watanni 24 ko 36 wanda dole ne ku sami wadataccen jari wanda zai iya motsawa.
Ofaya daga cikin fa'idodin da waɗannan ƙirar banki ke bayarwa shine cewa an daidaita su zuwa iyalai masu sauƙin gaske ga duk gidaje. Har zuwa lokacin da kuke cikin matsayin ku yi kwangila da irin wannan kayan banki don mafi ƙarancin adadin daga Yuro 5.000. A gefe guda, ba sa ɗaukar kwamitocin ko wasu kuɗaɗen tafiyar da su ko kulawar su. Suna ɗaukar nauyin azabtarwa ne kawai don sokewar da suka yi da wuri kuma hakan na iya zuwa 2% akan adadin da aka saka a cikin waɗannan kuɗin. A kowane hali, injiniyoyinta suna kama da na sauran ajiyar kuɗi.
Adadin da aka haɗa da musayar
Tsarin wannan rukunin ajiyar ajali na ƙayyadadden lokaci ya dogara da gaskiyar cewa kun sami a mafi karancin riba kuma amintacce ta hanyar ajiyar ajiyar ku. Amma idan haka ne, ana iya haɓaka shi tare da ingantaccen juyin halitta na kwandon hannun jari wanda aka haɗa wannan samfurin bankin da shi. Idan ba a sami wannan ba, mai amfani zai karɓi aikin da aka sanya kasuwancin sa a kasuwa. Sakamakon waɗannan halaye, ba zaku taɓa samun asara akan bayanin kuɗin ku ba. Wannan shine ɗayan dalilan da yasa aka tsara shi don ingantaccen bayanin martaba na mai amfani. Mutum mai ra'ayin mazan jiya, wanda yake son kiyaye babban birninsa kuma wanda baya son yin kasada cikin ayyukansa.
Ala kulli halin, dabara ce ta musamman don inganta ragin raunin da aka bayar ta farashin kuɗi a wannan lokacin. Tare da kudin ruwa cewa da wuya ya wuce matakan 0,1%. Ba tare da buƙatar fallasa kanka ga canji a kasuwannin kuɗi ba, kamar tare da sayan hannun jari kai tsaye a kasuwar hannun jari. Kodayake akasin haka, ba zaku sami damar tattara abubuwan haɓaka a cikin faɗin farashin ba. A saboda wannan dalili, ba shawara ba ce da aka ba da shawarar sosai don lokuta masu ban tsoro a kasuwannin daidaito. Game da zaɓar tsaro ne akan riba yayin ɗaukar ƙarin haɗari.
Matsayi da zaku iya biyan kuɗi
Tayin da bankuna ke bayarwa a kan wannan rukunin ajiyar ba shi da faɗi sosai kuma an iyakance su ga specifican takamaiman shawarwari. Ofayan waɗannan ƙirar suna wakiltar Hada ajiya wancan Office Direct din ya kasance yana talla tun shekaru da yawa. Ma'aikatansa suna da sauƙin fahimta tunda rabin an saka jarin ne don sanyawa tare da ajalin zama na tsawon watanni 13 wanda ke bayar da rahoton sha'awar shekara-shekara na 0,4%. Amma ana iya shawo kan hakan idan ɗayan ɓangaren saka hannun jari, wanda aka ƙaddara zuwa daidaito, ya cimma burinta.
Ba ita ce kawai ajiyar da ake samu a kasuwar banki ba. Domin a zahiri, ana samun Haɗin Hada-hada BBVA Kuɗaɗen, wanda ke ba da aƙalla 30% na jimlar adadin da aka fara sakawa zuwa asusun saka hannun jari kuma ya cimma har zuwa 0,75% a kowace shekara a cikin ajiyar kanta. Wannan samfurin kudi za'a iya biyan kuɗinsa daga adadi kaɗan don duk masu amfani, daga Yuro 500. Unique shine ɗayan ƙungiyoyin da suka zaɓi wannan dabarun musamman. Don haka ta wannan hanyar, masu ajiyar kuɗi na iya kusantar ƙofar 1% a cikin kuɗin da aka bayar.
Yada hannun jari
Wannan shine babban mabuɗin da aka haɓaka waɗannan kayayyakin banki. Ba a banza ba, suna sanya kuɗin a cikin kashi wanda zai iya bambanta tsakanin tsararru da canji kudaden shiga. Har zuwa lokacin da zasu iya daidaitawa, ma'ana, 50% a cikin duka sifofin biyu don haka saka hannun jari zuwa wasu samfuran da ake tunani a cikin waɗannan ajiyar ajiyar ba zai zama mara daidaituwa ba. Kodayake a ƙarshe zaku kasance wanda ke ƙayyade balaga, adadin da sauran halayen waɗannan samfuran kuɗin. A cikin ƙaramar tayin kuma ba kamanceceniya a cikin wannan rukunin ɗabi'u na musamman kamar yadda kuke da shi ba.
A gefe guda, ba za ku iya mantawa da cewa waɗannan samfurorin za a iya haɗa su da kuɗaɗe ko kwandon hannun jari ba. Dogaro da fifikon ku a matsayin mai amfani da sauran abubuwan la'akari waɗanda yakamata kuyi la'akari dasu daga yanzu. Yana da ɗan ƙarfin hanya na hada tsayayyen kudin shiga tare da kudaden shiga masu canji. Amma tare da cikakken garantin cewa lokacin balaga za'a ba da gudummawar kuɗi tare da fa'idar da ta dace. Tare da karuwar fa'ida dangane da samfuran lokacin ajiya na zamani. A cikin abin da aka tsara a matsayin ɗayan samfuran tanadi na sama a wannan lokacin, kodayake ba tare da bayyananniyar tayin daga bankunan ba.
Babu asarar da aka samu
A kowane hali, samfuran da ke keɓance daga asarar wahala sakamakon jujjuyawar kadarorin kuɗi inda aka saka kuɗin. Wannan shine daya daga cikin dalilan da yasa suka haifar da da mai ido tsakanin kanana da matsakaitan masu saka jari. Kodayake ba tare da damar ɗaukar ƙarfin tashin farashin a kasuwannin daidaito ba. Ba a banza ba, idan kuna son samun ribar babban riba mai kyau zai fi kyau ku tafi kai tsaye zuwa ɓangaren tsabar saka hannun jari. Har zuwa cewa shi ne zaɓi mafi fa'ida a kan ƙungiyoyi zuwa sama a cikin daidaito.
A gefe guda, yana da mahimmanci tun daga yanzu cewa wannan nau'in saka hannun jari na musamman na iya zama cikakkiyar mafita don adana kuɗi a cikin abubuwan da ba su dace ba don kasuwannin kuɗi. Sama da ayyukan kasuwar hannun jari waɗanda ke ɗaukar haɗari mafi girma cikin kariyar buƙatunku a matsayin ƙaramin matsakaici da matsakaici. Gaskiyar cewa a riba ne mai Ƙara darajar a wasu lokuta. Har zuwa ma'anar cewa tana iya zama maɗaukakiyar hanyar haɗin gwuiwa zuwa wani ingantaccen tsari wanda zai haifar da dawowar da ake buƙata.
Fa'idodi na wannan ajin na ajiya
Adadin lokacin da aka danganta shi da daidaitattun kayayyaki yana ba da jerin fa'idodi waɗanda yakamata kuyi la'akari da su idan kuna son yin rijistar su a wani lokaci a rayuwar ku. Ba wai kawai daga ra'ayi na biyan kuɗi ba, amma daga wani aji na dabaru. Misali, sauƙin tsarinta don tsara shi a kowane lokaci. Daga waɗannan ra'ayoyin zaku sami dalilai fiye da ɗaya don zama mai ban sha'awa ga irin wannan samfuran banki. Kamar yadda yake a cikin ayyuka masu zuwa waɗanda zamu bayyana muku a ƙasa.
- Baya buƙatar a ilimi na musamman kasuwannin kuɗi, amma akasin haka samfur ne wanda aka tsara don kowane nau'in bayanan mai amfani. Su ba samfuran hadaddun bane kuma zaka iya haɗa su daga farkon lokacin.
- Yana da kusan kayayyakin da aka tabbatar sabili da haka koyaushe zaka sami rarar kuɗin ajiyar ka. Duk abin da ya faru a lokacin zaman dindindin wanda aka ba da waɗannan ajiyar kuɗin.
- An kirkiro shi azaman ingantaccen dabarun zuwa ɗaga riba na tsayayyen kudin shiga a yanzu. Don haɓaka dawowa da fewan goma na kashi idan aka kwatanta da samfuran gargajiya.
- Rashin kashe kuɗi wani ɗayan kwarin gwiwa ne wanda waɗannan kuɗin ke da shi tunda zai ba ku damar samun mafi yawan ruwa a cikin maajiyar bincikenka idan ta kare. Wani abu da bai faru da wasu samfuran da aka yi niyya don tanadi ba.
- An daidaita su zuwa kowane nau'in gudummawar kuɗi sabili da haka zaku iya ware wani ɓangare na jakar ajiyar ku ga wannan nau'in saka hannun jari na musamman. Daga Yuro 5.000 zaka iya yin hayan samfur tare da waɗannan halayen.
- Idan zaku buƙaci kuɗin da aka saka a cikin watanni masu zuwa, ba shine mafi kyawun samfurin da zakuyi haya ba. Saboda yana da farkon warwarewa fee wanda yake da matukar buƙata. Zuwa ga ɗaukar wani ɓangare na fa'idodin da aka samar tun daga asalinsa.
- Kuma a ƙarshe, ba za ku iya manta da hakan ba a cikin wani hali ba za ku sami ragin lambobi biyu ba. Koda kuwa yanayin da aka danganta jarin sahihancin ya cika. A mafi kyau, zaku sami 8% dawowa akan waɗannan kasuwancin. Ba tare da samun damar dawowa ba cikin ayyukan da aka gudanar.