Vadiwa vaverengi,

Kutanga kwesvondo rino ndakamboita hurukuro nemumwe maneja webhangi. Akandinongedzera kune rudzi rwekuchengetedza chirongwa kwaunogona kuisa mari yesarudzo yako gore negore kwenguva ye8 makore. Mushure memakore makumi maviri, kudzoka kwakanaka kwaigona kuwanikwa kubva pane izvi uye chirongwa chakagadzirira.

Urongwa uhwu hunosanganisirawo inishuwarenzi yehupenyu uye ndinogona kutaura chokwadi kuti yakatsanangurwa zvakanaka uye zvakachengeteka.

Ndinoda kuziva kana paine ane ruzivo nezveizvi uye kuti zvirizvo here sezvazviri pamapepa?

Kwazisai,

Baba Muvambi

Vatori: Iwe une mubvunzo kune vaverengi veThailandblog? Shandisa contact form.

23 mhinduro ku "Thailand mubvunzo: Kuisa mari kuBangkok Bank. Kunzwisisa here kana kuti kwete?"

  1. Peter (aimbova Khun) anoti kumusoro

    Inonzwika kwandiri senge inishuwarenzi yekudyara (sury policy). Ingo google 'woekerpolis' uye iwe uchaziva zvakakwana.

    • Baba Muvambi anoti kumusoro

      Hi Peter,

      Unogona here kutsanangura zvishoma chaizvo kuti wakasvika sei kune iyo pfungwa zvichienderana neruzivo rwangu?

      Tsananguro yakatsigirwa uye yechokwadi kana chiitiko changu pachangu chingandibatsira zvakanyanya.

      Ini handikwanise kuita zvakawanda nemhinduro iyi uye zano re "Google" iyo.

      Senge ndisina kutsvaga internet zvakakwana ndisati ndatumira chinyorwa ichi online...

      • Peter (aimbova Khun) anoti kumusoro

        Zviri nyore. Inishuwarenzi yehupenyu + kudyara: izvi ndizvo zvinongedzo zvemutemo wekubiridzira. Asi chokwadi handikwanisi kuita zvakawanda zvichibva pahurukuro yamakaita. Ini ndakanga ndisiri pahurukuro. Saka ruzivo rwaunopa rwakanyanyawo zvishoma. Zvakare hapana chinongedzo kumatemu uye mamiriro epolicy. Unotarisira chii ipapo?
        Meseji yangu chete ndeyekuti: chenjera nemhando idzo dzezvivakwa! 20 makore inguva refu kwazvo. Uye kana iwe uchida mari yako yawakadyarwa panguva ino (rudzikinuro), unogona kupedzisira wapinda munjodzi huru.

  2. Petervz anoti kumusoro

    Izvi zvakafanana neyakajairika Thai life insurance policy. Iwe unobhadhara imwe mari pagore kwemakore akati wandei (kazhinji kubva pa4-8) uye inishuwarenzi inobhadhara mari shoma pamakore maviri ega ega. Pakupera kwetemu uchawana mari yakazara kumashure (temu makore gumi. Makore makumi maviri akareba kwazvo).

    Izvi zvinongonakidza chete kana iwe ukakwanisa kubvisa mupiro wegore kubva kumitero. Deductible kusvika ku100k pagore. Saka, semuenzaniso, kana ukabhadhara mutero we30% pachikamu chemari yaunowana uye mupiro wako wepagore i100.000, uchagamuchira 30% yemupiro wadzoserwa kubva kuvakuru vemitero.

    • Petervz anoti kumusoro

      Kana iwe ukabhadhara kwete (kana mudiki) mutero, izvi hazvifadze. Mari yacho inotarirwa kwenguva yose uye haigoni kubviswa. Unosungirwawo kuisa mari yakafanana gore negore. Kudzoka mushure memakore gumi, gumi nemashanu kana makumi maviri hakuna nani pane yakajairwa account account.

      Mamaneja emabhangi vanofarira kuitengesa nekuti vanowana komisheni.

      • Muvambi_Baba anoti kumusoro

        Hi Peter,

        Ndinokutendai nemhinduro yenyu yakakura.

        Iyo yakajairwa mubereko account yauri kutaura nezvayo, ndiyo chete yakajairwa kuchengetedza uye yekutarisa account iyo munhu wese anayo?

        Kana kuti kune imwe mhando yeakaundi muThailand (yakadai seakaundi yekuchengetera mari) apo munhu anogamuchira chikamu chinonzwisisika chekufarira?

        Pane yangu yakajairwa bank account ndinowana 0.25% kureva...

        Ndinoda kuzvinzwa!

        • Petervz anoti kumusoro

          Mari yemubereko parizvino yakadzikira. Dzimwe nguva kune zvinopihwa pamatemu maakaundi, asi iwe hauzowana anopfuura 1% panguva ino.
          Ini pachangu ndinodyara mari kuburikidza neUOBAM (yakasiyana-siyana Thai & yekunze mari) uye kutengeserana pastock exchange (Via SCBS). Ndizvo zvinondipa zvimwe zvishoma

  3. Cornelis anoti kumusoro

    Mamiriro ezvinhu uye chero zvivimbiso zvakanyorwawo pasi muChirungu chakajeka here? Ndinoda kudzidza izvozvo kuti ndigone kuzvisarudzira. Chero zvazvingava, handingaiti maererano netsanangudzo yemuromo yemushandi webhangi.
    Muchiedza ichi uye nekuona mhinduro yaPeter iri pamusoro, ndinoda kutaura zvinotevera:
    Mumwe aimbove shamwari yangu akambondiudza nechido nezvehurongwa hwekuchengeta hwaaive ave nahwo kwemakore uye madzoro aifanotaurwa ne'vatengesi' munhaurirano dzepauzima izvo zvaizoita kuti azopedzisira amira kushanda pasina kunetseka. Pandakadaira ndisina chokwadi, ndakatenderwa kuongorora zvibvumirano izvi uye ndakakwanisa kuona kuti zvaienderana nenyaya yekuti sheya pasuru yakanga yatengerwa iye, uye kuti mari yekutenga yakakwereteswa kwaari nemutengo (wechimbadzo). ye16% pagore. Akanga asati amboudzwa izvozvo uye akanga asina kumbobvira adzidza mashoko ari mumapepa aakazosaina. Yakanaka mari modhi yebhangi/inishuwarenzi iri kutaurwa, asi kwete yemusikana: kupihwa mubereko, madzoro aifungidzirwa aive chinhu kunze kwemirages ...

    • Peter (aimbova Khun) anoti kumusoro

      Nekuda kwekubiridzira mutemo kunyomba, marudzi aya emitemo haachatenderwi kupihwa muNetherlands. AFM inorambidza izvozvo. Asi kunze kwenyika uchiri kuvaona vari vazhinji. Thailand haizove yakasarudzika mune izvozvo. Mushandi webhangi akadaro anogamuchira komisheni hombe yemutemo wega wega unotorwa. Asi unogona kuyambira kusvika wayera aunzi. Vamwe vekune dzimwe nyika vane zviratidzo zvemadhora mumaziso avo. Kana zvakanyanya kunaka kuti zvive chokwadi, saka ...

      • Petervz anoti kumusoro

        Gwaro rekubiridzira haribvumidzwe zvakare muThailand. Kudzora pamusoro pemabhangi & kutumira kwakanaka chaizvo. Ini ndinonzwisisa kubva kuOP kuti ine chekuita neinishuwarenzi yehupenyu ine 8-year deposit uye temu yemakore makumi maviri. Zvakanaka kana iwe uchigona kuwana mutero wemutero, asi neimwe nzira kwete. Ndakatora 20 yemhando idzi dzeinishuwarenzi yehupenyu pandakanga ndichiri kushanda. 3 yakatopera uye yechitatu icharamba ichimhanya kwemakore mana. Iyo 2% yemutero yemutero yakaita kuti izvi zvitaridzike, nekuti kune dhipoziti ye4 baht pagore iwe unongobhadhara zviuru makumi manomwe baht.

        • Peter (aimbova Khun) anoti kumusoro

          Dambudziko guru nekubatanidzwa kweinishuwarenzi yehupenyu uye mari ndeyekudhura kwakanyanya pakutanga, zvinoreva kuti iwe unongodzoka pakupera kwetemu. Naizvozvo zvinogoneka kuti yekutanga dhipoziti, semuenzaniso, 250.000 baht ichashandiswa zvachose pamitengo uye komisheni kune mutengesi. Iwe unogona ipapo kunyora mari iyo. Kunyara zvishoma.

  4. Ruud anoti kumusoro

    Ndakatambirawo zano rakadaro kubva kubhanga.
    Ndakaudza bhangi kuti pane mukana mukuru wokuti ndichafa mumakore 20 uye kuti zviri nani kushandisa mari yangu iye zvino pane kana ndafa.

  5. Keith 2 anoti kumusoro

    1. Unoda inishuwarenzi yehupenyu (yehama dzako dzasara)?
    2. Maprimiyamu einishuwarenzi iyoyo haana kuiswa.
    3. Mushandi webhangi akatarisira kukura kwei muzana?

    Komisheni yebhangi (mushandi) inowanzokosha, sezvakataurwa naPetro.
    Wakazvipira kwairi kwemakore makumi maviri uye zvingangobatsira hama dzako dzasara kana ukakurumidza kufa.

    • maka anoti kumusoro

      Takatogamuchira katatu kushanyirwa kubva kuvakadzi kubva munharaunda vakauya nemazano akanakisa ekudyara. Ava ndivo vakadzi vanofunga kuti vanoziva mudzimai wangu uye vanoedza kutengesa (savings) zvigadzirwa zveinishuwarenzi sebasa rechipiri.

      Vese vari vatatu vaifarira chaizvo chigadzirwa chavo uye vaishingirira zvakanyanya. Kusvikira ndatanga kutaura nezve nhoroondo yangu yezvehutano yemoyo uye kuvhiyiwa kwangu kwemoyo wakavhurika. Ipapo havagone kutiza kunze kwemusuwo nekukurumidza zvakakwana ... sekunge varovera murufu rwaPietje 🙂

      Idzo nyanzvi dzeinishuwarenzi chaidzo dzinozoenda kumberi uye kudonhedza clause mune zvinyorwa zvidiki mugwaro kuitira kuti kufa nekuda kwenjodzi dzemoyo kusabatanidzwa. Asi chokwadi vakadzi ivavo vanobva munharaunda havana mano uye kuverenga.

      Zvinogona kunakidza kana uri mudiki (r), kana iri yakanaka (yakaenzana) kondirakiti uye kana uchigona kuishandisa semutero mukana.

  6. Eddy anoti kumusoro

    Inishuwarenzi yega yega [yehupenyu] inodhura mari, nemari yekuwedzera yekutonga uye komisheni kumutengesi, izvi zvese nemutengo wemari yako.

    Chero zvazvingava, kuchengetedza hakubudisi zvakawanda panguva ino. Kunyange dhipoziti - kureva kuivharira mukati kwenguva ye1 gore kana kupfuura - haibereki zvakawanda.

    Makore mashoma apfuura ndanga ndichishingairira kuisa mari kuburikidza neMaybank investor account. Chinhu chinopenga ipapo ndechekuti Maybank mari yausingaise paThai SET exchange, ndakagamuchira 1,1% mubereko pairi, nepo paKasikorn bank yangu chete 0,75%.

    Ikozvino handichazviiti. Musika wemasheya wakanyanya kunetsa mazuva ano uye kana usingakwanise kubata kurasikirwa, ini handingapa zano izvi zvakare. Ini ndichangotenga imba uye ndinosarudza kuisa mari muzvinhu zvinogara zvinokupa iwe kugara kunyaradzwa. Senge solar panel kana mamwe maair conditioning units, mushure mekunge waisa solar panel.

    Kana iwe uine mari yakakwana yakasara uye wakagadzirira kuti mari yacho ingobhadhara kwenguva yakareba [10-15 makore] kune vaunoda, semuenzaniso, saka kuisa mari isarudzo. Ipapo ndaizoisa mari yakatarwa mwedzi woga woga. Asi ipapo iwe unofanirwa kuve uine chirango chekuita izvi nguva dzose, saka mwedzi wega wega mune yakanaka uye yakaipa mamiriro emusika wemasheya. PaThai stock exchange zvakanakisa kuisa mari muzvikamu zvega, saka hazvisi nyore kuparadzira njodzi yako, nepo paAmsterdam stock exchange unogona kungotora homwe yemari zvichienderana nenjodzi yako yekudya.

  7. Mwana Marcel anoti kumusoro

    Ko kana ukatiudza kuti return chii? Uye inishuwarenzi yehupenyu zvinhu zviviri zvakasiyana. Kana maneja webhangi asina kujeka, ndinokanganwa nezvazvo.

  8. Jan anoti kumusoro

    Kudzoka kwakanaka chete mushure memakore makumi maviri. Unofunga kuti inflation yegore negore ichave nei mushure memakore makumi maviri?
    Ini pachangu, ndaizoisa mari yako yemwedzi nemwedzi mugoridhe uye / kana Bitcoin. Inflation haina hanya...!!!!

  9. gore anoti kumusoro

    Chimwe chandakadzidza muhupenyu hwangu ndechekuti mabhanga haapo kuti akushandire, asi kuti atore mari yako kuaccount yavo.
    Tanga kutonga mari yako, vhura account yekudyara uye utenge mabhondi akanaka ayo achiri kubereka 5% pagore pano muThailand. Ndiri kutaura nezve ma bond kubva kuIndura, CP,… makambani akanaka ese asingazobhuroke, asi anoda mari.

    Iwe wobva wabhadhara 15% mutero paunenge uchibhadhara migove, asi kana ukangobhadhara mutero wako zvichienderana nemari yaunowana, iwe unozodzoserwa izvo zvakanaka, uye iwe uchaona kuti Thailand inokwezva zvakanyanya maererano nemutero kupfuura NL.
    Unogona kunditumira email kana uchida rumwe ruzivo.

    • Robert anoti kumusoro

      kuvharirwa kwechikamu semutero wekunyima 10% muThailand

    • TheoB anoti kumusoro

      gotsi,

      Ndeipi kero yeemail inogona kunyorera Baba Vakatanga (nevamwe?) kuti uwane rumwe ruzivo?

  10. Carlos anoti kumusoro

    Zvakanaka, iyo yakatemerwa mubereko yakakwira zvishoma yandakasaina uye yaakavimbiswa nemushandi webhangi yakazodzikiswa kusvika pa 9 mushure memwedzi mipfumbamwe, saka deposit yemiriyoni imwe yekuda kunyorera banga rehove inozoburitsa zvishoma, panguva ino. Baht yadonha. , uye ndinobhadharawo rimwe bhokisi 0.25 pairi. Nekuda kweCOVID, handinawo kukwanisa kuenda kuThailand maererano nemitemo yaigamuchirwa kwandiri, saka ndichaona zvakakosha kana ndasvikako. Zvikumbiro izvo Kasikorn aigara achiita kumudzimai wangu kuti achengetedze mamiriyoni ake; anenge agara achindikonzera kurwa. Zvinoreva kuramba ndichirarama kana chimwe chinhu chisina kunaka pandiri. Kana yakagadziriswa mumakore ekutanga mushure mekubvisa mari, aizorasikirwa ne1-3%. Imwezve mune ino mamiriro, nhoroondo yake yaivewo muzita remwanakomana wedu. Pataida kutenga imba mushure memakore masere emari ... zvaisaita. Saka taifanira kubhururutsa mwanakomana wedu kubva kuNetherlands ... kunyangwe mubereko wanga wakakwira kubva 15 kusvika 17, hapana chatakahwina mushure mekubvisa tikiti! Muchidimbu, mabhangi haapo kuti atipfumise, zvakangofanana nechitoro chero chipi zvacho, vanoda kuramba vachizvidya ivo pachavo!

  11. saowanee anoti kumusoro

    Excellent investment. Ndine akati wandei uye ndichiri kumhanya kuBKK uye haina kukuvadza. MAKUMI ezviuru zveBath purofiti inogadzirwa, inobhadharwa gore negore uye ine chekuita neyakanakisa inishuwarenzi yehupenyu inoiswa nechipatara chenyeredzi 5. Hirr anoita kuti munhu wekuMadokero afare!Usateerere kune vanhu vanotaura nezvemitemo yekubiridzira, vanogona kunge vaine zviitiko zvisina kunaka muNetherlands.

    Zvinokurudzirwa zvikuru. Ingo zviita!

  12. Mr. Bueng Khan anoti kumusoro

    Hi baba wekutanga,

    Zano rangu harisi vimbiso, asi kana iwe uchida kuisa mari izvozvi. Tarisa mudenga http://www.iconomi.com. Nezvishoma kana pasina ruzivo iwe unogona kutevedzera akasiyana crypto mari nzira. Nemhaka yokuti crypto inonyanya kushanduka, unogona kuita mari yakawanda (iwe unogonawo kurasikirwa, asi panguva ino misika iri kukwira zvakanyanya). Ndinofunga iwe unogona kuisa mari kubva ku10 euros. Unogona kutarisa kudzoka kwehomwe yega yega (zuva / vhiki / mwedzi / YTD / Nguva yese). +50% paMWEDZI!! Zvirokwazvo hapana anosiya. Ini ndakaisa mari shoma ini (1000 euros), asi unogona kuverenga kana musika uchikwira kupfuura 50% pamwedzi.

    Ini zvakare ndine account yekudyara neING muNetherlands.

    Ini handivimbe nemabhangi eThai pachawo. Bureaucratic masangano. Pane imwe nguva ndakanga ndisingakwanisi kuwana mari yangu nokuti siginicha yangu yakanga isiri 100% yakafanana nepandaive nemakore makumi maviri. Zvibvumirano muThai, vashandi vasingatauri Chirungu hafu yenguva, changamire, iwe unofanirwa kunge uri wega "indasitiri" yako hatigone kukuitira iwe pano, nezvimwe.

    Paridza mari yako kuburikidza nematanho akasiyana.

    Kunyoresa kune crypto investing:
    https://www.iconomi.com/register?ref=6jBtF

    Kunyoresa ku ING investing:
    https://www.ing.nl/particulier/beleggen/beginnen-met-beleggen/eenvoudig-beleggen/index.html

    Ose ari maviri anogona kurongwa kubva "kunyaradza kweimba yako". Zvese online uye pasina mapepa!

    Zvekare, izvi hazvisi vimbiso, asi ini ndakave nezviitiko zvakanaka nazvo ini.

    Rombo rakanaka,

    Shuwiro yakanaka,

    Mr. Bueng Khan


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