Idiphozithi yedatha
Olu hlobo lwedipozithi lolunye lwe ezona dipozithi zebhanki zinomdla kwimarike kwaye ungonwabela ixesha elimiselweyo. Ngapha koko, ungakonwabela ukubuya ukuya kuthi ga kwi-1,25 APR, engaphezulu komndilili xa isiza inzala engcono Banikezela ngedipozithi efanayo nale.
Phakathi kwezibonelelo ezibonelelayo, kukwakho nokwenzeka ukuba abathengi bayo bakhethe nge ixesha eliphakathi kweminyaka emi-3 nengu-5. Oku kuthanda ukubanakho kwabathengi ukufezekisa inzuzo ephezulu enokufikelela kwi-1,50 APR
Idiphozithi yeBfs
Este Ireyithi yedipozithi yeenyanga ezili-12 Luhlobo lwedipozithi yexesha elimisiweyo elinikwa abanini-akhawunti nembuyekezo ye-1% APR. Kwimeko apho umthengi omtsha efuna fikelela kolu hlobo lwedipozithiKuya kufuneka wenze utyalomali okungenani i-euro ezingama-50.000 ubuninzi ngama-500.000 eeuros.
Phakathi kweempawu eziphambili zolu hlobo lwedipozithi, umntu unokuba nayo ukubakhona kwekota lonke umdla ovelisiweyo. Ukongeza, iakhawunti ehambelana nayo ayizukufumana naluphi na uhlobo lwekhomishini kwaye ayizukuhlaziywa ngokuzenzekelayo ukuze ugcine ulawulo olupheleleyo lwento oyenzayo.
Njengazo zonke Iibhanki zaseSpain iBFS KukwiNgxowa mali yesiqinisekiso sediphozithi.
Idiphozithi yonyaka omnye kwezolimo
Le dipozithi yexesha elimisiweyo ithengiswa yi Ityala lemali yabathengi yeAgricole, enika bonke abathengi i-1% APR kungaphelanga unyaka kubo bonke abantu abenza utyalomali phakathi kwe-5.000 kunye ne-500.000 ye-euro. Zonke izinto ezenziwayo eziye zaveliswa kwezi nyanga zili-12 zilandelayo, ziya kuthathwa kwiakhawunti enxulunyaniswa neyokuqala de kube kufika umhla wokuphelelwa.
Ityala lemali yabathengi yeAgricole Ngenye yeebhanki ezinxulunyaniswe nemali yesiFrentshi yediphozithi. Le nkqubo yengxowa-mali inesiqinisekiso sokunika i-100.000 yee-euro ngequmrhu kunye nomgcini kwimeko apho iziko liyekile ukuba nemali yokuhlawula amatyala.
I-WiZink
I-Winzink yenye ye eyona dipozithi inenzuzo kwimarike apho abathengi banikwa izinga lokubuya kwe0.90 APR kwaye inezibonelelo ezothusayo njengokuhlawulwa komdla ngexesha lokuvuthwa kunye nokuhlaziywa okwenzeka ngokuzenzekelayo xa ixesha liphelile.
El Idiphozithi ye-WiZink yeenyanga ezili-14 unikezela ukubuya kwe-0,90% ye-APR. Ixesha eliqingqiweyo libonakaliswe ngokuba nokuhlawulwa komdla ekukhuleni nasekuhlaziyweni kwalo ngokuzenzekelayo xa liphela ixesha lalo, kwaye inzuzo yalo iya kuphinda isungulwe yibhanki kwangelo xesha linye. Ukufikelela kolu hlobo lwedipozithi, kuya kufuneka ube ukuya kuthi ga kwi-12.00 euro enobuninzi be-250.000 euro. Kwimeko apho umthengi omtsha efuna ukufikelela kolu hlobo lwedipozithi, kufuneka bavule neakhawunti yokonga i-wizink.
Kwimeko apho sifuna ukusebenzisa Idiphozithi yeenyanga ezili-14, Le mveliso inonxibelelwano onokonwabela kuyo inzuzo engama-0.75% ye-APR. Le akhawunti ayihlawulelwa naluphi na uhlobo lwekhomishini kwaye ikunika ithuba lokuba nemali ngexesha olifunayo.
Enye yezona dipozithi zizinzileyo, kuba kwimeko yazo naziphi na iingxaki, iqumrhu lixhaswa yingxowa-mali yesiqinisekiso seSpain, oko kuthetha ukuba ukuba iziko belinengxaki yokuxazulula iingxaki, ukuya kuthi ga kwi-100 bekuya kugutyungelwa i-euro ezingamawaka kwibhanki nganye kwaye umnini.
I-alior yonyaka we-Bank deposit
Este Uhlobo lwedipozithi yeBhanki Inenzuzo ukuya kuthi ga kwi-90% kwaye ikwayidiphozithi engenakho ukuvuselelwa ngokuzenzekelayo. Ukongeza, le nkqubo inenzuzo ephezulu enokuthi ifezekiswe ngokuba ngumthengi. Le nkqubo ikwabonelela ngebhonasi eyamkelekileyo malunga ne-25 euro. Into ekufuneka uyenzile ukuyifumana kukuthumela i-imeyile kunye nerasini kwaye kwiintsuku ezili-14 ezizayo imali iya kufakwa kwiakhawunti yakho.
Iqumrhu lixhaswa li Ingxowa mali yediphozithi yasePoland efikelela kwi-100.000 euros.
Idipozithi yonyaka oyi-J & T Banka (+1 €)
Le dipozithi ifikelela kwiinyanga ezili-12 ze I-Banka inenkqubo yesigxina Ungafumana ngayo imbuyekezo ye-0.70% ye-APR yabantu abatyala imali ubuncinci i-euro ezingama-10.000. Ngaphandle kwalonto, ukuba ungumthengi omtsha kweli ziko, ungonwabela ibhonasi eyamkelekileyo eya kuba ngama-25 euros. Le bhonasi inikwe nguRaisin, ukuze ufezekise oku, kuya kufuneka uthumele i-imeyile kubo kwaye nje ukuba baqinisekise ukuba zonke iimeko ziyafezekiswa, ufikelela kwibhonasi eyamkelekileyo ngemali kwiakhawunti yakho.
Le dipozithi yenzelwe iinyanga ezili-12 nge-100% yotyalo-mali olukhuselekileyo kuba iziko lixhaswa li Ingxowa mali yesiqinisekiso yaseCzech.
Ibhonasi yokuhlawula imali
Este uhlobo lwedipozithi yebhonasi ine-0,75%, kodwa ukuze uyifumane, kufuneka kufezekiswe iimfuno ezimbini. Eyokuqala kukuhlawulwa kwee-euro ezingama-600 okanye ukufumana ipenshoni efikelela kwi-300. Onke amatyala ngqo kufuneka agcinwe kwiziko ubuncinci iinyanga ezili-13. Iirisithi ezivunyelweyo yirhasi, amanzi, umbane, umnxeba okanye i-intanethi.
Idiphozithi yakho, evela kwi-Self Bank
El idipozithi yakho Yenye yezona mveliso zeebhanki zokonga zinenzuzo kubantu abafuna ukuthengisa okuhle kwimakethi yezemali.
Le dipozithi inako ukuyeka I-2% APR kwiinyanga ezi-3.
Idipozithi yeminyaka emi-2 evela kwi-J & T Banka
El Idipozithi yeminyaka emi-2 evela kwi-J & T Banka Lixesha elimiselweyo elihlawula i-0,80% ye-APR. Le dipozithi inokungena kwisivumelwano ukusuka kwi-10.000 euros ukuya kuthi ga kwi-100.000 euros, 100% kwi-intanethi. Ukongeza, le dipozithi inokuqwalaselwa ngokwemiqathango ukusuka kwiinyanga ezili-9 ukuya kwiminyaka emi-5, ukukwazi ukufikelela ngaphezulu okanye ngaphantsi kwenzuzo ngokwexesha elikhethiweyo.
Enye yeenzuzo zale mveliso kukuba abanalo uhlaziyo oluzenzekelayo, ke asizukuba nexhala ukuba siyaphoswa ngumhla wokuphelelwa kwaye khange sikhuphe mali. Le dipozithi ikhuselekile ngokupheleleyo, kuba injalo ukugubungela iNgxowa-mali yesiQinisekiso sediphozithi yaseCzech, egubungela ukuya kwi-100.000 euros.
Idipozithi evulekileyo iinyanga ezili-13
Este Ireyithi yedipozithi yeenyanga ezili-13 Inenzuzo ephezulu ukuya kuthi ga kwi-0.40%, ngaphandle kokuba iziko kufuneka lihlawulise naluphi na uhlobo lwekhomishini. Ukongeza, banako ukurhoxisa imali abayityalile nanini na.
Kwimeko apho umntu oza kufumana idiphozithi ngumthengi omtsha, banokukhetha i- I-akhawunti eyamkelekileyo yebhanki. Le akhawunti yokonga ibonelela abathengi ngomdla wokunyusa ukuya kuthi ga kwi-1,75%.
Iminyaka emibini yedipozithi euram
Este idiphozithi inika imbuyekezo ephezulu ukuya kuthi ga kwi-1.05% Ngoncedo olukhulu lokukwazi ukonwabela ukucinywa kwangoko kwaye ube nakho ukufikelela kolu hlobo lwedipozithi notyalo-mali ukuya kuthi ga kwi-5.000 euros.
El Idiphozithi ye-Euram Inesiqinisekiso esiphindwe kabini kubo bonke abathengi, kuba olu hlobo lwedipozithi luxhaswe sisiqinisekiso semali esivela e-Australia kwaye, kunye nesolvency enkulu enayo iqumrhu. Abathengi abatsha abafuna ukufikelela kwidiphozithi kufuneka bavule iakhawunti kwiidiliya. Oku kuya kubanika isibonelelo sesibini apho baya kuthi bafumane ukuya kuthi ga kwi-euro ezingama-25 ngokuba ngumthengi; Ukuze ube nakho ukonwabela le mali, kuya kufuneka uthumele i-imeyile kwiidiliya kwaye uya kuba nakho ukonwabela imali kwiakhawunti yakho kwisithuba esimalunga neentsuku ezili-14.
Idipozithi e-orenji iinyanga ezi-2
Le dipozithi inayo inzuzo ephezulu ukuya kuthi ga kwi-1.00% kwiinyanga ezimbini. Le yinto efanelekileyo kuphela kubathengi abatsha kwaye nje ukuba iinyanga ezimbini ziphelile imali iya kufakwa kwiakhawunti yomthengi yeorenji, apho iyakonwabela ixesha elingenamkhawulo le-0.10.
Phakathi kwezibonelelo zale akhawunti yeorenji, kukuba ubuncinci bemali abudingeki ukuze ubenakho ukuyonwabela kwaye ikwavumela nokucinywa kwangethuba ngaphandle kokuba umthengi ahlawule isohlwayo.
Bonke abathengi abatsha beli qumrhu baxhaswa yi Ingxowa mali yesiqinisekiso seHolándes. Oku kuyakwenziwa kususelwe kusuku lokuqala apho ibhanki ineengxaki zokusombulula iingxaki, ukuya kuthi ga kwi-100.000 lamawaka eeros kumnini ngamnye nakwibhanki nganye.
Njengoko ubona, inani ledipozithi onokulufumana kwimarike ngenzuzo ephezulu yahluke kakhulu.