Banki Yopereka: Nyumba kapena Chuma?

Ndalama zabwino komanso zotetezeka posankha mtundu, kusungitsa mitundu, zosankha za "ndalama zamtengo wapatali"

Aliyense wa ife, monga lamulo, kulowerera ndalama - pazovuta zazikulu, mphatso kwa okondedwa ndi abwenzi osayembekezereka. Virkud tsiku labwino lomwe mumakuliritsani kuti banki ya piggy idasefukira ndipo zingakhale zofunikira kuganiza za kusankha kwa banki yomwe ndalama zanu zikhala zotetezeka. Momwe mungasankhire banki yomwe ingatembenukire chuma chanu cha chumacho, tilankhula lero.

Makamaka ku IXV. Kusunga ndalama kunyumba kwasintha. Pa nthawiyo panali ku Europe posintha omwe adakonza mabanki amakono, mizere yoyambirira ya miyambo yomwe yawonekera. Popita nthawi, osunga banki sanangophunzira kusunga ndalama ndi zisonyezo, komanso amawaphunzitsa "kupeza", kuyika zisamaliro za banki.

Kodi zoperekazo ndi ziti?

Photoxpress.rubank chopereka ndikusamutsa ndalama ku bungwe la ngongole pazolinga ndi zomwe zili mkati mwa mgwirizano wa banki. Banki imandibwezeranso ndalama zomwe zidabweretsa ndalama zomwe zimapangidwira kuphatikiza pazomwe zafotokozedwazo. Pagulu la National Federation, Mitundu iwiri yayikulu ya madongosolo agwidwa: Chopereka chachikulu (chimachitika kwa nthawi inayake, pomwe kasitomala sayenera kuchotsa ndalama) ndikuchotsa nthawi iliyonse ). Kuphatikiza apo, madongosolo amatha kukhala osiyanasiyana (pazinthu imodzi yopereka ndalama nthawi yomweyo ndalama) kapena zodzitchinjiriza (zobwezeretsedwazo) zowonjezerazo ndizotheka kuwonjezera pa kuchuluka kwake kapena kosafunikira, Wopanga (mwachitsanzo, madiponsi pa mwana kapena wotchedwa ndalama zolipidwa ndi bizinesi yomwe imakhazikitsidwa kwa ogwira ntchito) ndi wamba.

Banking imathandizira kuthetsa ntchito zazikulu ziwiri: mbali imodzi, kuti mupulumutse ndalama, zina, kuti ziwonjezeke. Ichi ndichifukwa chake, musanakumane ndi banki, sankhani kandulo - Warehouse (yosungirako) kapena chuma (kuwonjezera ndalama) - mumachita chidwi ndi mphindi. Kuti mungosunga ndalama, kufunikira kwakeko ndi koyenera (kusungitsa), ndipo kwa iwo omwe akufuna kuwonjezeka kuchuluka kwa ndalama pakapita kanthawi, ndikofunikira kusanthula kadi kanthawi kochepa.

Ngati mungaganize, mudzazindikira chiyani, mutha kuyamba kusankha kwake. Kuti tichite izi, tifunika madera akuluakulu a madongosolo omwe angakupatseni kuti muyerekezene ndi banki:

Nthawi (ngati mukufuna chopereka chachangu): Pakadali pano, mabanki amapereka polemba 3, 6, 9, 12, 24, 24 miyezi. Nthawi zambiri, mabanki amachepetsa nthawi yosungirako, akulankhula ndi mapulogalamu apadera (mwachitsanzo, chaka chatsopano chopereka chaka ndi chaka chimodzi);

Ndalama Zosungitsa Ndalama: Zothandiza, zoperekazo zitha kutsegulidwa mu ndalama iliyonse, koma pochita mabanki ambiri amapereka makasitomala omwe amathandizira ma ruble, madola kapena ma euro. Mabanki owonjezera amapereka mwayi woti azikhala ndi ndalama zambiri - mutha kupanga ndalama zonse ziwiri zotchulidwa, komanso pachibwenzi, zimaphatikizanso kusamutsa ndalama kuchokera ku akaunti;

Phunziro, kapena chiwongola dzanja pachokani: Uku ndi kukula kwa kubweza komwe munthuyo amalandira. Malinga ndi malamulo wamba, chiwongola dzanja chimawerengeredwa pa zoperekazo pamiyezi 12 (chifukwa chake, m'makhalidwe a zoperekazo, muwerenga kuti phindu lake lidzakhala pernam);

Njira Yolipira: Chidwi pa Deposit chimatha kuimbidwama kumapeto kwa nthawi yosungirako kapena nthawi inayake mpaka kumapeto kwa nthawi yosungirako. Mlandu wachiwiri, capital capitalization ndizotheka (kuwonjezera pa kuchuluka kwakukulu kwa choperekacho), ndipo chidwi chomwe nthawi yotsatira chidzaperekedwa kale kwa kuchuluka kwakukulu. Njira ina ndi yotheka: Chidwi chitha kumasuliridwa mu akaunti yanu yakubanki (komwe, nawonso, kuti mulowetse khadi ya banki kapena kusungidwa pazomwe zimasungidwa;

Kuthekera kwa ndalama zoyambirira zochotsa ndalama: Nthawi zambiri, mikhalidwe yoyambirira imaphatikizapo zotayika za zakuthupi: kapena kuchuluka kwa zomwe zatsutsidwa sikulipidwa, kapena chilangocho chimaperekedwa koyambirira kwa ndalama. Komabe, mabanki ena kuti akope makasitomala amapereka zinthu zabwino kwambiri. Zachidziwikire, sizingatheke kukhala ndi kuchuluka kwa kuchuluka kwake molawirira, simudzachita bwino, koma ndalama zitha kuwonetsedwa mu mgwirizano wokhudzana ndi nthawi yomwe ndalama zinali kubanki;

Ntchito zomwe zitha kuchitidwa ndi zoperekazi: Banks ena amapereka mwayi wogwiritsa ntchito momasuka gawo la ndalama zomwe zimayikidwapo, malinga ndi ndalama zomwe zimasungidwa mu akaunti yomwe yakhazikitsidwa mu mgwirizano. Pankhaniyi, chidwi chimaperekedwa tsiku lililonse, zomwe zimakupatsani mwayi woyankha mwachangu kusintha kwa ndalamayo. Ngati inu, kuphwanya mawu a contrated contration, kuchepetsa malire osadziwika, bankiyi idzakumbukiranso chidwi pa nthawi yochepetsedwa (nthawi zambiri, pofunsira ndalama zomwe zingafunikire).

Kugwiritsa Ntchito Ntchito

Tiyenera kunena kuti boma limateteza ma depositi amakono osalola kuthekera kophwanya zofuna za omwe adapereka. Chimodzi mwazinthu zoyambirira munjira imeneyi chinali inshuwaransi yosungirayo. Mwambiri, mawonekedwe ake ndi motere: banki, kulandira laisensi, kulowa mu dongosolo la Instansi ya State. Izi zikutanthauza kuti banki iliyonse imapanga ndalama zosungirako, ndalama zomwe zimapita kuti zithandizire aliyense payekhapayekha ndalama zomwe zimaperekedwapo kuti banki isawonongeke. Kukula kwa gawo la inshuwaransi la chopereka kumakula pang'onopang'ono. Masiku ano, ngati banki ipita, wogulitsayo adatsimikizira kuti alandire gawo la kuchuluka kwa ndalama - mpaka ma ruble 400, ndikubwezera ena onse adzaweruzidwe. Ichi ndichifukwa chake openda banki yambiri, amalangiza kugawana chopereka chachikulu pamalo ochepera m'mabanki osiyanasiyana, tsatirani malo abwino osungitsa ndalama kuchokera ku zigawenga za vuto lazachuma.

Mapulogalamu a zithunzi.ruchrum omwe ali pamadzi amasiyidwa amatengera zinthu zambiri: Kuchokera kuchuluka ndi ndalama za gawo, njira yolipira ndalama, kuthekera kobweza ndalama. Dziwani kuti zokolola nthawi zambiri zimawerengedwa kuti ndalama zomwe zimasungidwa ndi miyezi 12. Kuwerengera phindu lanji kudzakupatsani phindu kwa inu kudzathandiza kufanana kwa chiwongolero cha chiwongola dzanja chomwe chili ndi kuchuluka kwa ndalama zofananira, zomwe zimasindikizidwa nthawi zonse pamanyuziro.

Tikuyang'ana zopereka

Pali malamulo angapo osavuta omwe angakuthandizeni kudziwa mtundu wa kusungitsa. Choyamba, musasankhe "zopota" ndalama. Mosakayikira, mapaundi achingelezi ndi okwera mtengo kwambiri kuposa dola, ndipo kukhazikika ndikodabwitsa. Koma nthawi zambiri muyenera kumasulira ndalama za "njira" yanu, madola kapena ma euro. Izi zikutanthauza kuti mutha kutaya ndalama zambiri pa kusinthana. Malinga ndi akatswiri azakubanki, kuti apeze zoperekazo pa ndalama zina kupatula ruble, madola kapena euro pokhapokha ngati mukumvetsetsa zogulitsa za nkhumba, ndipo ndikoyenera kuti ndalama zomwe zikubwerazo zitheke Ndalama zimafunikira (mwachitsanzo, mukupeza ndalama kuti muphunzitse mwana m'chilengedwe chimodzi chakunja kudzera muzoperekazo.

Kachiwiri, popeza zingafunike kusintha ubale womwe ulipo pakati pa ndalama za ma angaponi kapena kutseka zoperekazo ndikusintha ndalama mokwanira, lingalirani ngati mukufuna zoperekazi. Kuphatikiza apo, onetsetsani kuti mukunena kuti mungayang'anire zopereka zamagetsi (mwachitsanzo, kudzera pa intaneti ya kukonzanso kwina). Mu wotsutsa, mutha kutsegula zopereka zingapo m'magulu osiyanasiyana. Mukatsegula gawo limodzi, komanso kudziwa momwe maphunzirowa amasinthira ndi njira imodzi ya imodzi mwazinthuzi komanso ngati banki imatenga ntchito yogwira ntchitoyi. Kumbukirani: mabanki ena monga imodzi mwazomwe mungatsegule zopereka zambiri zomwe zimaperekedwa ku chivomerezo chimodzi cha maakaunti imodzi yosinthira ndalama kuchokera ku ndalama imodzi.

Chachitatu, chidwi chanu chikuyenera kukopa chidwi cha chiwongola dzanja. Ngati ali wokwera kwambiri, zitha kuwonetsa kuti bank ikuyesera kukonza ndalama zake zachuma, kukopa ndalama zomwe makasitomala amapereka. Zotsatira zake zingakhale ndi vuto lomwe mumalephera kuposa kupeza.

Tiyenera kukumbukira kuti mogwirizana ndi boma la Russian Federation, Bankyo ili ndi ufulu kusintha kuchuluka kwa chiwongola dzanja pofuna kutsika, kuphatikizapo kutsika kwa chiwongola dzanja, Bank iyenera kudziwitsa oyang'anira, komanso polemba). Avt peresenti yoperewera pa banki yachangu siyofunika kuti muchepetse mosamala. Werengani mosamala Pangano la Deposit: Ngati bankiyo imaganiza kuti kuchuluka kwake kungachepetsedwe kapena kuchuluka, chisonyezo cha izi chimaphatikizidwa m'malemba.

Chachinayi, sankhani ngati mungabwezeretse zopereka zanu. Ngati mukufunika kuti muthe kuwonjezera ndalama, kusankha kwanu ndi chopereka. Mabanki ambiri amakhazikitsa kuchuluka kochepa kobwezeretsa (nthawi zambiri zitunda 1,000 zopereka zopereka). Kuti musinthe moyo waampodiyo, mabanki ambiri amapereka kugwiritsa ntchito ATM ndi "ndalama-in" (ndalama). Chifukwa chake, kufunsa ogwira ntchito kubanki zokhudzana ndi gawo la ndalamazo, musaiwale kuphunzira komanso ngati zingatheke kuti mubwezeretse zoperekazo kudzera mwa ATM.

Chonde dziwani kuti kuchuluka kwa mafaditiwo kudzakhala kocheperako kuposa zomwe sizikufunanso kubwezeredwa. Banks nthawi zambiri zimakhazikitsa ndalama zowonjezera zowonjezera zowonjezera zowonjezera kutengera nthawi yomwe nthawi yosungirayo itatha. Zinthu zambiri ndikuti muyenera kudziwa za zopereka zobwezeretsedwazi: m'mabanki ambiri, okhala ndi zopereka zobwezeretsedwa, ndalama zowonjezera zimasiya kutchulidwa kuti zithandizire nthawi yopereka. Izi zikutanthauza kuti akaunti yosungidwa idzagawidwa mbali ziwiri zakonzedwanso, koma sizingamangidwe ku kuchuluka kwake. Ngati mukupitirira zoperekazo, muyenera kupatsa banki kusinthitsa kuchuluka kwa akauntiyi.

Zopereka ngati nyumba yosungiramo katundu

Mungafune kugwiritsa ntchito zoperekazo ngati banki ya piggy, kutetezedwa kuzonse zomwe mwaziyembekezera (pambuyo pake, kuti mugule zina, mudzafunika kupita kubanki). , sizokayikitsa kusiya, koma zokayikira zomwe zingatheke kusankha pazokhumba zanu) komanso zowopseza zakunja kwa gawo lanu sizitha kubweretsa zopereka zanu. Kuti musunge ndalama, kufunikira kwakeko ndikoyenera, kapena kuyika (kwenikweni mawu oti "kusungitsa" ndi "zopereka" ndi zofanana, koma zosungiramo "zosungiramo" zovomerezeka. Ngati mutsegula deposit, banki imakupatsani ndalama zosungira ndalama.

Tidzapeza ntchito yaying'ono ku mbiri: kumayambiriro kwa dziko la Soviet, mabankiwo amapereka njira zokondweretsa za Deposit. Kwa nkhani yoyamba, kasitomala adapatsidwa banki ya nkhumba, kutsekedwa pamfungulo, yomwe idasamutsidwa kwa wogwira ntchito ku bungwe la ngongole. Mawu owoneka a kasitomala adafika ku banki, adalipira ndalama zobwereka kubwereka banki ya nkhumba ndikusunga kiyi ndikutsegula banki ya nkhumba. Njira yachiwiri ya ndalamayi inali yovuta kwambiri. Makasitomala adalandira pepala lokhala ndi zolemba zapadera, zomwe ziyenera kutsagana ndi mitundu yapadera (mwadzinal 1 kopecks). Makampani atachezeredwa ndi 1rub. Makasitomala adapita ku banki, komwe, kudutsa pepala ndi mtundu, chidalandira 1RB. Deposit ndi 2 kopecks. peresenti.

Tiyenera kunena kuti zokolola za madongosolo - piggyback ndizotsika kwambiri, pafupifupi 1-2% pachaka. Njira, zopereka zoterezi ndizodalirika komanso zodziwika bwino kwambiri kwa omwe ali m'dziko lathu. Nthawi zambiri, zopereka izi zimapangidwa m'njira yosungira mabuku (malamulo okhudza kufakeza nawo owerenga athu amadziwa bwino). Masiku ano pali mitundu yambiri yofananira ya gawo lomwe limalola kuti osungitsa ofunikira kwambiri akwaniritse zosowa zawo. Chifukwa chake, kuwonjezera pa Sungani Superces, alipo:

Gawo la kudzipereka, lomwe nthawi zambiri "limagwira" ntchito "pa nkhani ya ngongole: Pankhaniyi, bankiyi imakupatsani mwayi wopereka ndalama zoyambirira za ngongole yayikulu (mwachitsanzo, ngongole) ;

Kusungidwa kwa Dead, mwachilengedwe chimodzimodzi ndi akaunti yapano, imakupatsani mwayi kuti muwombe ndikuyika ndalama. Chinthu chachikulu ndikutsatira izi: Pa akaunti ya ndalamayo nthawi zonse imakhalabe bwino. Chidwi pa zosunga izi nthawi zambiri chimapangidwa ndi akaunti yosiyana;

Gawo lapadera limazidziwa bwino kuchokera kwa owerenga athu omwe amalandira malipiro omwe sapezeka kuofesi kuntchito, koma pa bank salanga kapena banki yopanda ndalama. Pankhaniyi, zopereka za olemba anzawo ntchito zimayambitsa pamwezi, ndipo wamba zofunidwa zimayimbidwa. Nthawi zambiri, zoperekazo zimaphatikizidwa ndi khadi la banki kapena buku losunga lomwe limathandizira kupeza ndalama.

Chithunzi D. Davydovalea Bank ndi msonkho. Izi zikutanthauza kuti imalipiridwa kuwerengera, kusungidwa ndikusamukira ku msonkho wa msonkho mu bajeti. Chifukwa chake, ngati phindu la zopereka zanu mu rubles ndilokwera kuposa momwe limasinthira (tsiku losinthana ndi 10%) kapena zopereka zake zimaposa 9%, bankiyo idzachotsa ndalama zomwe mwapeza msonkho wopeza pa 35%.

Kupereka Kwamtengo Wapatali

Nthano yamuyaya, monganso golide ndi miyala yamtengo wapatali sinatulukenso, yomwe inakonzedweratu kutchuka kwa ndalama zonse kwa ndalama kwa zitsulo zamtengo wapatali. Zowonadi, mitengo ya Golide, siliva, platinamu, palladium (mwachitsanzo, zitsulo izi zimaperekedwa kuti mugule mabanki aku Russia) kukula. Izi zikusonyeza kuti kuyika ndalama mumiyala yamtengo wapatali kungakhale kopindulitsa.

Pali njira zingapo za "mtengo wamtengo wapatali". Mutha kugula zodzikongoletsera kuchokera pazitsulo zamtengo wapatali, kugula ndalama zophatikizika kapena ndalama, pezani ingnot ya golide kapena yopeza "zitsulo" ku banki. Nthawi yomweyo khazikitsani kuti mugule miyala yamtengo wapatali komanso ndalama zophatikizika m'dera la mabanki sizinaphatikizidwe. Chowonadi ndi chakuti mtengo wa zodzikongoletsera ndi ndalama zophatikizika (amatchedwanso "umboni" ndalama zapamwamba) zimatengera mtengo wa chitsulo chamtengo wapatali kuchokera pazomwe adapangidwa, koma kuchokera pa luso lawo laukadaulo kapena laluso.

Ndalama zamalonda, mosiyana ndi "mlongo wake" - ndalama zosungidwa, chisomo chapadera cha kumaliza sichitha kudzitama. Komabe, amapangidwa kuchokera ku metallol yamtengo wapatali kwambiri, yomwe imalola ndalama zambiri kuti zizigwira ntchito ngati ndalama. Mutha kugula ndalama zotere kubanki. Ndinu oyenera kuwapatsa, Chizindikiro, kusunga kunyumba (chifukwa cha izi pali zochitika zapadera), ndipo ngati kuli kotheka, kukhazikika kubanki pa tsikulo mukasankha kugulitsa ndalama.

Njira yotsatira ikugula indot. Masiku ano, mabanki amapereka manyowa olemera kuchokera ku 15g to1kg. Komabe, iwo amene apanga kuti otuwa akhale okonzeka ndalama zowonjezera. Choyamba, muyenera kulipira ingwo, ndipo chachiwiri, Lipirani mtengo wowonjezeredwa pamlingo wa 18% (opareshoni kuti mugule mitsuko kwambiri, pomwe lamuloli silikugwira ntchito kwa iwo omwe amapeza ndalama zogulitsa). Kuphatikiza apo, muyenera kumvetsetsa kuti simungathe kusungira indot ya nyumbayo. ATEA amangowonjezera mtengo wake, chifukwa nthawi zambiri muyenera kubwereka foni yotetezeka kubanki. Alsa Kudzikuza, za omwe akufuna kugula ingtot iyenera kukumbukira: ndikofunikira kusunga chilichonse, popeza kuwonongeka kulikonse (kuwoneka kowonongeka kwa omwe alibe inshuwaransi) amachepetsa Mtengo wa ngale yanu, ndikusintha inote ndalama zolipirira ndalama mu bar ya scap yazitsulo, ngakhale okwera mtengo.

Kugulitsa ndalama zamtengo wapatali ndikopindulitsa. Komabe, pali mwala wanu wamadzi pansi pa pansi: ndalama zotere ziyenera kuchitidwa kwa nthawi yayitali, apo ayi imataya chidwi chonse. Kusinthasintha kwa golide kwakanthawi kochepa kumatha kukutembenukirani muakampani yabwino kwambiri, ndikuwonongeka. Chifukwa chake, kugwiritsa ntchito zitsulo zamtengo wapatali pokhapokha ngati muli okonzeka kukhala ochepa ndikudikirira zaka 3-5.

Akatswiri a Banking ku Banking amatha kupatsa ena mwangwiro komanso wamakono kuti akaike ndalama mu kakomombu, tsegulani zopereka zamtengo wapatali ndi zitsulo zamtengo wapatali. Izi sizikufuna gawo lomwe mumagula lidzakhalire pokhapokha m'malo mwake, ndiye kuti, mtengo wake sukuyembekezeka. VAT salipira kuti musalipire. Koma zokondweretsa zonse za Ing'ath, zomwe mungafune: Mtengo wa ingwo ndi capitalization wa grambe.

Chithunzi D. Davydovaya mutha kunyamula ndalama nthawi yayitali, koma kumbukirani kuti ndiye kuti simupezanso zomwe zakhala zikugwirizana ndi zomwe zimagwiritsidwa ntchito ngati zopereka (ngakhale mabanki ambiri lero Apatseni makasitomala awo kuthekera kwa kupatsa ndalama). Pokonda milandu ina, sinthani kuchuluka kwa banki yanu sikungathe. Ngati zidachitika, ndikofunikira kulumikizana ndi loya.

Kodi mungakhale bwanji wothandizira?

Mawu omwe mukufuna kudziwa kuti zoperekazo zitha kudzaza kubanki. Kutsegulira pa kutsegulidwa kwa zoperekazo ndi imodzi mwazosavuta kwambiri kwa oyang'anira komanso pogwiritsa ntchito kuchuluka kwa zolembedwa, komanso kuchuluka kwa zikalata zofunikira pakugonjera kubanki. Kuti mupereke zopereka, mwamphamvu kwambiri, zimakhala zokwanira kukhala ndi chikalata chotsimikizira munthu ndi inu, ndipo kuchuluka kwa ndalama zomwe mukufuna kuyika. Zowona, nthawi zina, mabanki amatha kufunsa zikalata zina. Ndikwabwino kutchula izi pasadakhale polowetsa tsamba la banki yomwe mwasankha kapena kuyankhula ndi alangizi a Banking.

Kenako ogwiritsa ntchito banki adzatsegulira akaunti yomwe mungasungidwe. Pambuyo pake, muyenera kunena pangano la banki, mawonekedwe omwe mungawapeze patsamba la banki. Tikukulimbikitsani kuti muwerenge mawuwo mosamala. Yambirani mosamala momwe zinthu zikulanda ndalama zochokera ku zoperekazo.

Ndi chiyani chinanso chomwe muyenera kudziwa kanyera aliyense? Akaunti yosungirako imatha kutayidwa payekha kapena kudzera mwa woimira wake, ikugwira ntchito pamaziko a lamulo kapena mwa proxy, yomwe imatha kuperekedwa pa novenary. Pali mwayi wina, kupanga chinthu chokhudza kanyumba, lamakono ndi Proxy, mu malembawo (nthawi zambiri zomwe zidaperekedwa) zimaloledwa).

Ngati mukufuna kutsegula "ana" a ana, muyenera kufotokoza zikalata zodziwikiratu kwa mwana wanu: Pasipoti yanu, yomwe ndi chidziwitso chokhudza Mwana (mwana wamkazi) amapangidwa. Kuphatikiza apo, dziwani kuti mwana yemwe wafika zaka 14 ndipo adalandira pasipoti akhoza kuzindikira yekha ndalama. Zowona, mabanki, monga lamulo, khazikitsani zoletsa zina pakugwiritsa ntchito chopereka chotere. Mwachitsanzo, mgwirizano ungachepetse kuchuluka kwa ndalama kuchokera ku "zopereka" za ana "zomwe mwiniyo mwiniyo, kapena pa ntchito iliyonse pa zopereka za mwana wanu, mumafunikira mphamvu yakulanda kwa inu.

Ndili ndi chinthu chimodzi: Muli ndi ufulu woti muchotse ngongole yanu ku banki. Izi zitha kuchitika mwa onse (kufotokoza za zoperekazo m'mawu) kapena kusiya dongosolo la apangano ku banki, lomwe lili ndi mphamvu ya Chipangano.

Ndiye zotsatira zake zimakhala chiyani? Zoperekazo zimatithandizira kukonza kudzikundikira ndi kusunga ndalama, kungakhale mphatso yabwino kwambiri m'njira kapena kungogwira ntchito momwe pamakhala ndalama zaulere kwakanthawi. Mulingo wokwera pazinthu za ruble pofika miyezi 12 ndipo zambiri ndi 11-12% pachaka, madiponsi a ndalama zakunja - 7-9%. Poganizira kuti ntchentyo ndi yokhazikika, akatswiri amalimbikitsa kuti apeze ma ruble. Chofunikira kwambiri kuti wogulitsa aliyense agwiritse ntchito poika mtsogolo, kuti awone momwe angathere kwakanthawi (ndipo mwina patali kapena ngakhale kuti amasankha malonda oyenera kubanki. Mzere wa madongosolo operekedwa ndi mabanki aku Russia, komanso madioni a mabanki akunja m'dziko lathu, zingathandize kuti munthu aliyense azipereka ndalama zokwanira (mwina ngakhale zamtengo wapatali).