Amakhadi esikweletu eSberbank: kanjani ukusebenzisa leli thuba

Eminyakeni yamuva, iRussia ibonile ukuthuthukiswa kokubolekisa. Izinhlangano zezinkampani ezasinda eminyakeni yokuqala yezinkinga zemali zikhula phambili, ziheha amakhasimende amasha njalo. Indawo ekhethekile kule nqubo ihlala ngamakhadi esikweletu e-Savings Bank. Ungayisebenzisa kanjani nendlela yokuzihlela kahle?

Okokuqala, kufanele kuthiwe naphezu kwenani elikhulu lezinhlelo ezahlukene ezihlinzekwe ngamanye amabhange, umzila wesikweletu se- Sberbank unganikeza amakhasimende ayo ububanzi obuphelele kakhulu bamakhadi esikweletu, okufaka:

• Okusheshayo;
• I-Classical;
• I-Premium.

Indlela yokusebenzisa ikhadi lesikweletu le-Sberbank

Ukuze usebenzise ipulasitiki, kumele uqale uvakashele igatsha lasebhange bese uhlela isevisi efanele. Inqubo yokufaka isicelo sekhadi lesikweletu ngeke ithathe isikhathi esingaphezu kweyodwa. Iklayenti kuzodinga ukugcwalisa ifomu lesicelo esikhethekile futhi emva kokuxoxwa okufushane kuthola imvilophu enekhadi efasiteleni lomphathi webhange. Ubuye akutshele ukuthi ungayisebenzisa kanjani ikhadi lesikweletu. Okokuqala, ivuliwe futhi iboshiwe kwi-akhawunti yekhasimende. Uma une-banking function, ikhadi libhaliswe ku-akhawunti yomboleki. Emva kwalokho, ikhasimende lingase lithole ukuthola imali kunoma iyiphi i-ATM. Umsebenzisi ngamunye wekhadi unomkhawulo othile wezimali ezibekwa yibhange, angabaleka. Kuyaphawuleka ukuthi kungakapheli izinsuku ezingama-50 leyo mali ingabuyiselwa ngesamba esifanayo lapho zamukelwa khona. Okusho ukuthi, lowo obolekayo akakhokheli isithakazelo esengeziwe sokugcinwa kohlelo. Kodwa-ke, ngemuva kokuphelelwa yisikhathi kwalesi sikhathi, amaphesenti athile anikezwe imali ebolekiwe. Namuhla, izinga eliphansi kakhulu lika-19% (kulo lonke elaseRussia Federation) linikezwa amakhadi esikweletu aseSberbank. Ungayisebenzisa kanjani, futhi ngesikhathi esifanayo ungaqedi, ungatshela isisebenzi saso nanoma yiliphi lamagatsha ale sikhungo sezimali.

Okungafani kwamakhadi esikweletu e-Savings Bank yaseRussia

1. Okusheshayo . Ikhishwa kunoma yiliphi igatsha lapho kukhona ipasipoti eyodwa imizuzu engu-15. Bangathola ama-ruble ayizinkulungwane ezingu-150. Ezingeni eliphansi kakhulu lesithakazelo se-19% ngonyaka. Iklayenti kumele ibe ngaphezu kuka-21 nangaphansi kweminyaka engu-65 ubudala. Amabhonasi engeziwe nezinhlelo zamadada angeke zengezwe ekhadini elinjalo. Kusukela ngonyaka wesibili wokusetshenziswa, ukugcinwa kwe-plastiki enjalo kuqala ukubiza ama-ruble angu-750 ngonyaka.
2. Classic - enomkhawulo wezingu-600 zama-ruble. Amakhadi esikweletu e-Savings Bank (indlela ongayisebenzisa ngayo, ongayithola kumphathi noma kusayithi) ikuvumela ukuba uthole imali ngokushesha ngemuva kokufika kweminyaka yobudala. Ukuqedela ikhadi elinjalo, kuzodingeka ukuthi unikeze iphakheji eliphelele lamadokhumenti. Isilinganiso senzalo sisuka ku-18.9 kuya ku-24%.
3. Amakhadi we- Premium - Igolide nePlatinum. Inani lesithakazelo salokho lihluka kusuka ku-17 kuya ku-22% ngonyaka. Isamba semalimboleko esiphezulu singama-ruble ayizigidi ezingu-3. Futhi ikuvumela ukuba uthole izimali ezidingekayo noma kuphi emhlabeni.

Inani elikhulu lezinhlinzeko lenza kwenzeke kunoma yisiphi isikhathi ukukhipha amakhadi akho esikweletu abathandayo eSberbank. Indlela yokusebenzisa le nsizakalo, obolekwayo uzotshelwa kunoma yiliphi igatsha eliseduze lebhange. Noma kunjalo, kufanele kukhunjulwe ukuthi kungcono ukubuyisela imali ngaphambi kokuphela kwesikhathi somusa. Khona-ke awukwazi ukukhokhela kuphela imali ebolekiswa ngemali mboleko, kodwa futhi ngokushesha uthathe izimali ezintsha zenkathi entsha yomusa.