Har yanzu akwai imani a cikin kyakkyawan ɓangaren masu adanawa cewa samfura don saka hannun jari da tanadi za a iya yin kwangilar su ta hanyar bankuna kawai. Wannan ba gaskiya bane yayin da kamfanonin inshora suma suke tallata wadannan samfura don samun ribar tanadi. Kuma a wasu lokuta ma tare da mafi kyawun yanayi a cikin aikin ku ta hanyar gabatar da ci gaba a cikin ƙididdigar ribar da aka tara na fewan goma na maki kashi. Ta hanyar miƙawa mai ƙarfi da yawa.
A kowane hali, babu abin da ya fi dacewa da kwatanta shawarwarin ɗayan da na wani mahaɗan da kuma inshorar don nuna abin da ya dace da mu don biyan kuɗi don samun kyakkyawan aiki daga yanzu. Domin za'a iya samun bambance-bambance wanda yakamata a lura dasu kuma hakan na iya taimaka mana wajen sanya daidaiton asusun ajiyarmu ya zama mai lafiya a ƙarshen shekara. Har zuwa kamfanonin inshora suma suna kula da tallata ajiyayyun lokacin ajiya.
Duk da yake a gefe guda, kuma a ƙarƙashin sunaye daban-daban, masu inshorar ne a halin yanzu ke gabatar da mafi kyawun fare don adana tanadi mafi riba. Bayan sauran ƙididdigar fasaha waɗanda ke da alaƙa da tsarin samfuran da ake tallatawa. Inda, mahimmancin manufar masu ƙaramin matsakaici da matsakaitan masu saka jari shine inganta haɓakar su don faɗaɗa dukiyoyinsu na sirri ko na iyali, wanda, bayan duka, menene abin game yanzu.
Kamfanonin inshora: aiwatarwa
Adadin kuɗi da samfuran da ke da alaƙa da daidaiton kayayyaki wasu dabaru ne waɗanda yawancin masu inshora suka zaɓi don karɓar ajiyar abokan cinikin su. Har zuwa cewa a halin yanzu suna ba su matsakaicin riba tsakanin 1,5% da 2,5%. Don mafi ƙarancin kuɗi daga yuro 5.000, kodayake koyaushe zaku iya samun samfurin wannan halayen a cikin wannan ɓangaren tare da ƙarancin gudummawar buƙata, gabaɗaya tare da ƙarin gudummawar da ta fi araha daga yuro 1.000.
Kusan duk kamfanonin inshora suna dulmuya cikin wannan dabarun kasuwanci ta hanyar tayin da za a iya la'akari da su a matsayin jam'i kuma bude ga duk masu amfani. Tare da 'yan bambance-bambance kaɗan game da shawarwarin da bankuna ke gabatarwa a halin yanzu. Wani abu wanda da gaske ɓangaren masu amfani da wannan ƙasar bai sani ba. Inda ba za a manta da samfuri kamar takamaiman inshorar tanadi ba. Tare da dawo da ajiyar kusan 2% a kowace shekara.
Asusun ajiyar yara
Ofaya daga cikin sabon labaran da kamfanonin inshora ke gabatarwa shine tallan inshorar ajiyar yara. A wannan ma'anar, ya kamata a tuna cewa inshorar ajiyar yara tana da tare da tabbatacciyar sha'awa daga farawa har zuwa ƙarshe, wanda zai taimaka maka jimre da yanayi kamar: tafiye-tafiye na karatu, fara aiki, siyan motarka ta farko ...
A gefe guda, wani fa'ida mafi dacewa shi ne cewa a ƙarshen inshora, zaku sami jarin da aka ba da tabbacin tare da ribar riba.
A kowane hali, ceton inshora shine mafi kyawun salo tunda gabaɗaya daga shekara ta biyu, zaku iya ceton babban birnin da aka tara a cikin inshorar ku, gaba ɗaya ko kuma wani ɓangare. Game da yanayin kwantiragin su, dole ne a nuna cewa shekarun kwangilar inshorar yana tsakanin shekara 1 zuwa 10. Tare da matsakaicin tsawon kwangilar har sai karamar ta kai shekaru 21 da haihuwa. Kuma inda mafi ƙarancin daraja guda ɗaya don wannan samfurin yana cikin kewayon da ke zuwa daga Yuro 1.000 zuwa 1.500. Don ƙirƙirar tsayayyen jakar tanadi don matsakaici da dogon lokaci.
Inshora na saka hannun jari
An tsara wannan samfurin don ƙarin jama'a, wanda ya riga ya inganta ribar da aka ƙayyade ta ajiyar banki na ƙayyadadden lokacin a wannan lokacin. Adana ko inshorar saka hannun jari suna da halin saboda manufofi ne masu bada garantin dawowar hade da jari za a adana shi yayin lokacin da aka riga aka kafa. Wannan babban jarin farko da ribar da aka samu ana iya dawo dasu idan wannan lokacin ya ƙare. Mai riƙe inshorar ajiyar na iya ba da sabon gudummawa ga babban jarin farko har zuwa ƙarshen lokacin da aka tsara.
Duk da yake a gefe guda, suna da wasu haraji. Misali, saboda gaskiyar cewa idan aƙalla shekaru 5 sun shude tun farkon gudummawar ku, kuɗin da aka samu an keɓance daga haraji. A gefe guda, tare da waɗannan tsare-tsaren tanadin za ku iya dawo da kuɗinku a kowane lokaci gaba ɗaya ko ɓangare. Kari akan haka, zaku iya bayar da gudummawar matsakaicin shekara-shekara wanda yake da sauki sosai kuma zai iya kaiwa Yuro 10.000 a matsakaita Kuma wannan a mafi yawan lokuta ya wuce ribar da bankuna ke bayarwa.
Kamfanin inshora yayi
A wannan lokacin, shawarwarin da masu inshorar ke ci gaba suna da gamsarwa don kare muradin ƙanana da matsakaitan masu saka jari. Ta hanyar samfuran tanadi masu ƙarfi da na zamani fiye da waɗanda ake watsawa daga bankuna. Tare da karamin bambanci wanda wasu ƙarin ƙa'idodin tsayawa. A mafi yawan lokuta, sama da watanni 24 kuma a kowane hali suna buɗe ga duk bayanan mai amfani.
A wannan yanayin, dabara ce da zaku iya amfani da ita daga yanzu don haɓaka ragin matsakaiciyar tsaka-tsakin tsakaitawa da samfura ke bayarwa daga tsayayyen kudin shiga. Inda farashin kuɗi ya kasance mafi ƙanƙanci da matakan tarihi sakamakon shawarar Babban Bankin Turai (ECB) don sanya kuɗin ruwa a cikin yankin Euro a cikin 0%. Ko menene iri ɗaya, ba tare da wata ƙima ba kuma ana ba da shi kai tsaye zuwa kayan banki tare da ƙaramar riba.
Bambanci tsakanin samfuran biyu
Don tantance kwangilar waɗannan kayayyaki da inshorar da kamfanonin inshora ke tallatawa, zai zama dole a tabbatar waɗanne ne gudummawar da suka fi dacewa. Don masu farawa, ingantaccen ribar da kuka samu daga farawa. Inda babu wasu ƙarin ko buƙatu na musamman don cimma waɗannan manufofin da ake so. Wani bambanci yana zama cikin sharuɗɗan dindindin wanda yawanci ya fi tsayi, kodayake tare da sassauci mafi girma dangane da hanyoyin kasuwancin su.
A gefe guda, sun fi rikitarwa kuma yana da matukar dacewa a karanta kyakkyawan bugun kwangilar. Domin ba ku da wasu abubuwan mamaki a lokacin tsara su. Kari kan hakan, injiniyoyin da ake yin wadannan kudaden ajiya ko tsarin saka jari sun dan bambanta kuma ya zama dole a san makanikai da tsarinsu. A ina, ya zama ruwan dare gama gari a cikinsu zaka iya samun tarin dukiyarka kai tsaye, gabaɗaya ko kuma wani ɓangare kuma ka sami jituwa har zuwa ranar fansa. Wato, suna ba da babban kuɗin ruwa wanda yake da ban sha'awa ƙwarai game da buƙatun da zaku iya samu tun daga lokacin kuɗin ku.
Jakar tanadi na dogon lokaci
Ta wata hanyar, zai iya zama azaman dabarun haɓaka jakar ajiyar kuɗi kaɗan kaɗan kuma ta hanyar gudummawar tattalin arziki cewa zaka iya yi. Har zuwa cewa shima yana iya zama cikon ritaya. Samun kuɗin shiga lokaci-lokaci wanda za'a iya biyan kuɗin fansho, musamman idan harsashi ne.
A gefe guda, ba za ku iya mantawa da cewa yana samar da wata dabara mai ƙarfi don samun ƙarfin ikon siyayya a cikin shekarun zinariya. Sakamakon wannan tarin jari ana bayarwa kowane wata ko shekara kuma wannan yana haifar da karamar dawowa. Kodayake bai wuce gona da iri ba.
Kasuwancin kuɗi
Hayar asusu na saka hannun jari shine ɗayan damar da yawancin masu inshora ke bayarwa, wanda suke samar da wadatattun samfuran waɗannan samfuran dangane da martabar kowane abokin harka. Ta hanyar wannan dabarun saka hannun jari yana yiwuwa a sanya hannun jari tare da kasada, matsakaici da babban hadari kuma a lokaci guda a sami riba mai kyau, albarkacin yadda aka rarraba shi cikin tsayayyun kudaden shiga. Hakanan, kuma don ƙarin bayanan martaba masu ra'ayin mazan jiya, suna ba da jarin gaba ɗaya a cikin kuɗaɗen kuɗi, wanda ya sa suka zama kwandon mafaka mai tsaro don jiran samun damar komawa mafi m zabin, lokacin da masu saka jari suka sake samun kwarin gwiwa a kasuwannin hannayen jari.
Da kyau, kowane mai inshorar ya haɓaka nau'ikan keɓaɓɓun kuɗin da suke dogara da su kuɗi, gauraye, canji mai canzawa, tsayayyen kudin shiga ... Don yin kwangilar ɗayansu, ba lallai ba ne a yi kwangilar wani samfurin tare da mai inshorar, amma kamar yadda yake tare da cibiyoyin kuɗi, kawai kuna zuwa kamfanin da aka zaɓa don yin rijistar asusun da ya fi dacewa da bukatunmu a matsayin mai saka jari. Ba tare da buƙatar yin rajistar kowace manufa ko samfuran da ke da halaye irin wannan ba. Gudanarwa ne daban-daban, duka cikin abu da cikin abun ciki.