Iyo Facto Akaunti yakazvimisikidza seimwe yeakanakisa maturusi ekuchengetedza vatengi kugadzirisa kuburikidza neyakareruka chigadzirwa kuti chibvumirano uye iine yakaderera chikamu chengozi (1/6 zvinoenderana nenjodzi yerobhoti, iine 1 iri njodzi yakaderera uye 6 yepamusoro ). Imwe yeakanyanya hunhu eakaundi iyi yebhangi ndeyekuti inoiswa pasi peye mbiri kondirakiti modhi. Kune rimwe divi, account yekutarisa uye kune imwe a yakakwira purofiti dhipoziti izvo zvinovandudza zvakanyanya avhareji mazinga e mubayiro iyo inopa izvi zvigadzirwa zvemari panguva ino. Yakagadziriswa neBanca Farmafactoring, chinoshanda chinoshanda mukati memusika wenyika.
Chimwe chekukurudzira kubvumirana El Depósito Facto imhaka yekuti vatengi vanozokwanisa kugadzirisa iyo isina kusimba mibairo yemipiro iyo yavanopihwa kwavari nemamwe masangano. Kunyanya, iyi nhoroondo inovandudza inopa chiyero chemubereko chinosvika 1,25% APR *. Asi zvine hunhu hunokosha zvine chekuita nemamwe mareti emari uye izvo ndezvekuti mune ino kesi ndevashandisi ivo pachavo vanosarudza chaiyo yekupera zuva. Kugona kunongedza zvipo zvavo zvemari ku 12, 36 kana kunyange makumi matanhatu mwedzi, zvinoenderana neprofile yavanopa sevadiki nepakati saver.
Zvese izvi, muchiitiko chakafanana neicho chazvino, uko avhareji yekuSpanish kufarira pamadhora pamwe neanopfuura gore rimwe iri 0,13%, sekureva kwazvino dhata rakaburitswa neEuropean Central Bank (ECB) pane kufarira kune yakatemwa nguva inogadzirwa ne zvigadzirwa zvekuchengetedza izvi. Nenzira iyi, iyo dhipoziti yakanyoreswa kuburikidza neFacto Akaunti ichavandudza kufarira kwayinopa kune vashandisi vebhangi neinopfuura imwe chete muzana poindi. Kusvika padanho rekuti iye akasarudzwa neiyo Rankia Awards seiyo Yakanyanya Deposit ya2017.
Facto account: online kondirakiti
Chimwe chezviratidzo zveichi chigadzirwa chebhangi ndechekuti inogona kubvumidzwa 100% online uye pasina chikonzero chekumirira mumitsetse kana nekukurumidza kana bhangi rikavhara. Mune mamwe mazwi, mari dzese dzakabatana neiyi account dzinogona kunyoreswa zviri nyore kubva kumba kana kumwe kunhu. Panguva ipi neipi yezuva uye nekuziva kubva pakutanga chii chichava kudzoka kuchazowanikwa pane zvakachengetwa.
Iyo Facto Akaunti inofungisisa yegore rega zita rezita rehuwandu re0,20%, pamwe nemwedzi wemubhadharo wemari inoitwa zuva rekupedzisira remwedzi wega wega. Imwe yemipiro yayo yakakosha ndeyekuti inoregererwa kubva kumakomisheni ayo manejimendi kana kugadzirisa.
Iyo Facto Deposit ndeimwe yeakanyanya kubhadharwa panguva ino uye neuyo mukana wekuwedzera iyo ine chengetedzo uye vimbiso yeDepositi Guarantee Fund. Nekuti zvirizvo, iyo Bhizinesi reFarmafactoring, rinoburitsa chigadzirwa, rakanamatira kuItari Deposit Guarantee Fund. Izvi mukuita zvinoreva kuti vanoisa mari vachapora anosvika ku100.000 euros padipo uye mutengi kana paine chiitiko chebhengi.
Maitiro ekuvhura iyo Facto Akaunti uye kuita dhipoziti?
Kana iwe uchida kuve muridzi wechigadzirwa ichi chekuchengetedza, hauzove nematambudziko mazhinji ekuita maitiro uye zvinotora maminetsi mashoma kuumba chibvumirano. Sezvatakaratidza kare, kuvhurwa kwayo kuri online zvizere. Izvi zvinoreva kuti zvese zvinodiwa zvinofanirwa kuve zvakagadziriswa kubva pakombuta yako, piritsi kana smartphone. Kuburikidza nenzira yakapusa kune chero mushandisi webhangi uyo unovandudzwa mumatanho matatu anotevera atinozotsanangura pazasi:
- Pedzisa fomu raunowana pane yavo webhusaiti mauri uchafanirwa kufumura iyo ruzivo rwemunhu zvakanyanya kukosha. Sezvazvinoitwa nemamwe maakaunzi uye term deposits.
- Kuti usayine kontrakiti, kungave kuri online kana kwechinyakare fomati, kuitira kuti nenzira iyi maitiro ekuve muridzi wechigadzirwa ichi chebhangi akurumidze munguva pfupi yenguva.
- Uye sechikamu chechitatu uye chekupedzisira chehurongwa pachave chete zviite, zvese iyo account uye dhipoziti, kubva kune ako matekinoroji zvishandiso kubva panguva ino chaiyo .Nenzira iyi, kuti uite iyo account unofanirwa kuita kuchinjisa kubva kune chero imwe account yauinayo mune chimwe chikamu kune yako Facto Akaunti. Kana iyo account yatanga kushanda, unogona kugadzira iyo Facto Deposit nemari (pakati pe € 10.000 ne € 3.000.000) uye izwi rinokodzera zvaunoda (pakati pemwedzi mitatu kusvika makumi matanhatu).
Verenga zvachose purofiti
Kune huwandu hwe10.000 euros kwenguva yemwedzi makumi matanhatu, mamwe chakakomba kufarira kwema625 euros. Nekuti mune ino kesi, chiyero chemubereko icho chichaiswa kwauri chichava chakanyanya, 1,25%. Nekudaro, iwo maricho ekufarira haagare akaenzana nekuti anozokura zvinofambira mberi zvichienderana netemu yekusingaperi yaunosarudza. Chero zvazvingaitika, vanofamba pamusoro pevhareji, pakati pe0,25% uye 1,25%.
Idzo diki diki, semuenzaniso kusvika kumwedzi gumi nembiri, ndidzo dzinopa chimbadzo chepasi (12%), nepo kana izwi racho rikawedzerwa kusvika pamwedzi makumi matatu nematanhatu, goho rinokwira kusvika pa0,75%. Pane kupesana, kuwana huwandu hwakawanda zvaizodikanwa kusarudza nguva ye 60 mwedzi. Nezvimwe zvepamusoro zvido mubhanga renyika.
Zvinhu zvekuchengeta mundangariro usati wahaya dhipoziti
- Una kuchinja kukuru kuitira kuti iwe ugone kuchinjika kune ese mamiriro akagadzirwa neako hupfumi hwenyika.
- Tarisa a chikamu chemubereko pamusoro peiyo yakaratidzirwa nekirasi iyi yezvigadzirwa zvebhengi
- Kusunungurwa kubva kune dzimwe mari mukuhaya kwavo, zvese mukutungamira nekuchengetedza.
- Tsvaga kudzoka kusevha kufanoita kuitira kuti iwe ugone kuwana mvura isati yapera.
Mamiriro ezvinhu eichi chikumbiro
Mitemo iyo mipiro yezvehupfumi inotungamirwa inotangira pamwedzi mitatu kusvika makumi matanhatu. Uine shoma mupiro we10.000 euros, mune ndechipi chimwe chezvinhu zvine simba kwazvo zvinopihwa zvevanhu zvinoratidzwa nehurongwa hwekubhanga. Chero zvazvingaitika, kana paine chimwe chinhu chitsva icho chigadzirwa chinoonekera, imhaka yekuti dzakagadzirwa pamwe nekugadziriswa kwekufarira mazuva ese makumi mapfumbamwe. Saka kuti nenzira iyi, iwe unogona kunakidzwa nekudzoka pane kuchengetedza pamberi. Pasina kumirira kupera kwavo, sezvinoitika nechikamu chakanaka chematemu emari anowanikwa mumabhangi epano aripo.
Icho sarudzo yekuwedzera kuchengetedza zvishoma nezvishoma uye izvo inowanikwa nenzira yakachengeteka uye yakavimbiswa. Chero chii chinoitika mumisika yezvemari, vanoisa mari vanowana vimbiso yekuti kufarira kunogadzirwa nechigadzirwa ichi kuchaenda kuaccount account. Pasina chero mhando yehukama, kana nekudikanwa kwekubvumirana zvimwe zvigadzirwa zvemari. Inotemerwa kuburikidza nemafomati epamhepo kuitira kuti kugona kwayo kuve imwe yemamwe madomeni ayo akakosha. Pamwe pamwe neiyo purofiti iyo yainopa kusevha kwevatengi.
* APR ye0,25% (0,25% NIR) yemwedzi mitatu, APR ye3% (0,75% NIR) yemwedzi gumi nemaviri uye APR ye0,75% (12, 1,25% TIN) yemwedzi 1,25 . Kubva ku € 60 uye nekugara mazuva ese makumi mapfumbamwe. Chipo chevanhu.