Ingxenye Ixashwa impesheni ku Savings Bank: Izibuyekezo

Ngu kumiswa ukonga nempesheni kumele wasondela ngokuhlakanipha. Ngakho, ngaphambi kokuba usayine amadokhumenti, kubalulekile ngempela ukukufunda ngokuningiliziwe umlando wenkampani bese uthola izimo utshalomali. Ukuthola izimali kungaba kuphela ukubhekana ne PF wahulumende nobe wangasese. Imininingwane engeziwe mayelana izimo ngaphansi okuyinto akhonzwa ingxenye uxhaso impesheni ku Savings Bank, funda ku.

SPC Ezokuphepha

Sberbank - iqembu elikhulu kunawo wonke wezimali waseRussia, elingelona nje kuphela zokuthenga ngesikweletu kodwa futhi NPF. Lesi sakamuva yasungulwa ngo-1995. A ilayisensi yokuqhuba yokonga impesheni etholwe 2009 kuphela. Isisekelo inikeza ngamasevisi alandelayo:

1. ezingekho ngaphansi kukahulumeni imihlomulo yempesheni ukuze ngabanye.

2. Umshuwalense izinhlelo saziso ezifana:

• Investment izimali zanqwabelana;
• inkokhelo olulodwa, noma ukuphila konke izinzuzo ngezikhathi;
• co-ngezimali amalungiselelo nezinhlelo zikahulumeni.

National Isilinganiselwa Agency enikezwa eSikhwameni isilinganiso esiphezulu sokuhlukanisa "A ++". On the wokusebenza kwezimali lenhlangano ingatholakala kwi-website lesikhungo.

Ngo-2013, inani izakhamuzi abaye efakwe imali yabo kule SC NPF, kwaba-1 million. Man. Futhi unyaka nesigamu ukuthi sibalo siphindwa kabili. Lonke inani imali ngo-2013 -. 72 mln Hlikihla. Inani nenzuzo yokutjala ka 52%, isilinganiso izinga lokwehla kwamandla emali rate edlule 4 - 33,88%.

izimo

ingxenye Ixashwa impesheni ku Savings Bank kuzoletha imali engaphezulu, ngoba kungenzeka lenhlangano Kuthi ebanzi uma ziqhathaniswa nezinye izikhungo ezifanayo. Ukwedlulisela izimali NPF, kumele:

• uthintane igatsha inkampani nge passport futhi SNILS;
• ukuba asayine isivumelwano yomshuwalense impesheni (OPS);
• bhala amazwi angase ashiwo kuhulumeni PF ukwedlulisela izimali isisekelo yangasese.

Imibhalo zamukelwa uDisemba 31 unyaka ngamunye.

Inzuzo ngokusebenzisa Sberbank

Humusha ingxenye uxhaso yempesheni ukuze NPF kungaba kanye ngonyaka. Sberbank ngokukhetha it njengoba inhlangano ekuqongeleleni imali, ikhasimende bangathembela neqiniso lokuthi wayeseholela ngeke ume emgqeni elinde inkokhelo elandelayo. Zonke izimali zidluliselwa ngqo Savings Bank kumephu. Ngezimpawu namasevisi ukubhalisa kumele uxhumane mnyango nge passport futhi isitifiketi, ugcwalise ifomu ekhethekile ukuthola ulwazi lokukhokha futhi azise PF ukudluliswa kwemali ekhokhelwa umhlalaphansi ngemininingwane entsha. Ngemva kwalokho, amakhasimende imali ngaphandle izimali ngokusebenzisa iyiphi i-ATM eliseduze, upheqa ibhalansi internet, ukumisa izaziso ze-SMS mayelana ukunyakaza kufana ku-akhawunti ivulekile e OJSC "Sberbank eRussia".

ingxenye Ixashwa impesheni okukhulunywa

Ngo-2015, impikiswano iye yabangela okuningi ukuzimisela Uhulumeni ukukhansela amacala ekuqongeleleni. Ngokwe-Ministry of Finance, lokhu isilinganiso kuzoletha enzuzweni Isabelomali $ 370 million. Ruble. ngonyaka, kodwa ke zinyamalale umthombo "eside" imali NPF futhi Vneshtorgbank, okusho ezilawula ukonga uMbuso ukutshala 3 trillion. deda. ezinkampanini zasekhaya.

Zezomnotho ngokushesha Ezwa ukwethuka. Khansela accumulative ingxenye uzoholela ekutheni ekunciphiseni esikhundleni ku-25% ngo-iminyaka engu-10. impesheni Umshuwalense ngokobungako ngezithukuthuku isabelomali izimali, okuyinto by 2018 kungenzeka ukuthi kungabi ngokwanele. Ngenxa ukuqalisa phansi isamba izinkokhelo impesheni kuzoncishiswa. RPF asisakwazi ukumelana nalomsebenzi umthwalo. Half izinkokhelo usekelwa isabelomali sikahulumeni. Complicated isimo lokubala ubuningi babantu ezweni, exit ekuseni baseRussia umhlala (55 no-60 iminyaka ngokumelene 63-64 e amazwe EU), kanye nengxenye okusezingeni eliphezulu kwethunzi umnotho kwandisa kuphela umthwalo NPF. Lokhu kusho ukuthi Ukudluliselwa kusukela isabelomali sikahulumeni uyophinde ukhule.

agumenti

Isizathu kuphela ngokwenza izinguquko kungenzeka engakhi ukubuya wangempela utshalomali. Kule minyaka 5 iminyaka, inzuzo Vneshtorgbank kwaba 28,9% futhi izinga lokwehla kwamandla emali - 46%. Inkinga unomphela ezweni babhebhethekisa lesi simo kuphela. Ngokusho amazwana imibiko zezenhlalo, abantu musa uthemba NPF futhi ushintshe kuzo ngamunye ngamunye unyaka ngamunye. Ngenxa yalokho, izinhlangano kudingeka sihlaziye amafa. Ukutshala Imali Ngokuthenga amaphrojekthi eside abanayo amathuba.

Izakhamizi waqala ukukhathazeka ukuthi uhulumeni ufuna splurge ku nomholo wabo wesikhathi esizayo. Kodwa zezomnotho baphikisa ngokuthi akuyona. ingxenye accumulative kwakhiwa okuyinto ngaphakathi 6%, kuzothunyelwa kwaqedwa ukukhokhelwa umshwalense. BaseRussia badinga kuphela zisebenza ehhovisi PF nokubhala isitatimende mayelana ukudluliswa kweemali. Savings Bank - omunye izinhlangano okuyinto uxhaso ingxenye yempesheni, ingaqoqwa. impendulo kwamakhasimende uqinisekisa ukuthi ngezinye izikhathi ngisho nenqubo yokubhalisa lelula, benezinkinga. izitatimende, kanye nemali ngezinye izikhathi musa ukufika ngendlela esifike ngesikhathi ngezithukuthuku isikhathi eside kakhulu zibhekwa.

isakhiwo

Abantu abaningi namanje abazi kahle indlela ekwakheni ikusasa impesheni. Formula nibonakala ubukeka very scary futhi engaqondakali. Kodwa deal kuyazuzisa yini ngempela. It siqukethe izingxenye ezintathu:

• kwakhiwa umshwalense okuyingxenye is by izinkokhelo zenyanga inkokhelo (C);
• impesheni eziyisisekelo, ukuthi umuntu uzothola noma kunjalo kancane empilweni yami wasebenza (B);
• ingxenye zanqwabelana 6% yomholo (H). Le mali umuntu kungaba bachithe bebodwa inhlangano ukwenza imali. Lokhu kungaba inkampani ukuphathwa kwempahla (CC) noma NPF. Kungenzeka, isibonelo, ukuze uthumele izimali e Savings. Ukuhumusha ingxenye accumulative impesheni ikhishwa ngqo egatsheni sesikweletu.

Le migomo emithathu ke sanda ngamazinga ezikhethekile ukuthi sincike ubude, ubukhulu iholo, nezinye umehluko wemisindo nemiqondo yamagama. Ngenxa inefomula ifomu:

Pension B = K1 x + K2 x k3 x C + N.

Uhulumeni uhlongoza ukushintsha Coefficient ethemini ukuba "0".

Njengoba kwashiwo kuyi-nokubuyekezwa, hhayi kubo bonke abantu baseRussia efakwe ohlwini okuyingxenye accumulative impesheni ku Savings Bank noma kwenye NPF. Kukhona isigaba izakhamuzi zabantu ezikhetha ukungawugubhi ukuze uthumele imali kusuka VTB. Abanjalo "buthule" uhulumeni ungadlulisa ingxenye uxhaso yomshuwalense impesheni. Ngenxa yalokho, amacala kuzokhulisa kusuka 16% kuya ku-22%. Lonke inani impesheni uzophinde ukushintshwa, kodwa hhayi ohlangothini ezincane. Lona umnyombo walokho izinguquko ezintsha. Nakuba wase enqaba. Kodwa mhlawumbe umbuzo ukwamukelwa uzakuvuka esikhathini esizayo.

Izinkinga eyinhloko isevisi

On the izinkundla, ungathola inombolo enkulu izikhalazo mayelana nezinqubo eside imibhalo. Uma umuntu efisa ukudlulisa imali kusuka umphakathi ukuba PF yangasese noma Criminal Code, kufanele abhale isitatimende kuzo zombili izakhiwo kuze kube zingama-31 kuZibandlela kulo nyaka. Lapho beqeda nqubo ithumele isaziso mayelana nenani ezidonswe nezimali owatholile akhawunti ye NPF Savings Bank. ingxenye Ixashwa impesheni, iphesenti iminikelo zazo okwamanje simi ku-6% kumele sikhokhwe ngu 31 kuNdasa wonyaka olandelayo. Kodwa Izibuyekezo umsebenzisi bathi migomo ngokuvamile ziphuliwe. Lapha ungakwazi kuphela ukweluleka into eyodwa: uma isikhathi obiza kokubili inhlangano kanye sithole ukuthi kwenzekani ku-imali. Ngokulinganayo eziyinkinga, nahlulele by okwashiwo impesheni kuphakama esimweni ukudluliswa kweemali kusukela Savings Bank kwenye NPF. Isebenza umthetho ofanayo njengoba isimo odlule. Izimali kufanele idluliselwe kuze 31 Mashi ngonyaka ozayo. Ngakho, uma iklayenti uhambise isicelo ngo-Ephreli kulo nyaka, kuyodingeka ulinde izinyanga 11.

Ngokwe izitatimende zezimali, izinga yonyaka isilinganiso ukubuya Ezokuphepha NPF kuyinto 5-6%. Kodwa izinhlelo zokutshala izimali e eziningi Isikhwama, hhayi nje neqiniso lokuthi bonke babo kuzoletha engenayo. Ngaphezu kwalokho, abantu ngokomzimba ngokuvamile ukushintsha NPF. ukuthi amakhasimende okunjalo iyitshalwa eside ingxenye sezikhalazo impesheni ku Savings Bank. Izibuyekezo baseRussia uqinisekise ukuthi imiphumela isivuno 2011-2012 ukonga kwaba 0%. labantu ukukhononda phakathi neminyaka ukudluliswa mass kwezimali kwenye NPF.

ingxenye Ixashwa impesheni ku Savings Bank: Izibuyekezo ikhasimende

Ngemva kokuhlaziya amazwana baseRussia mayelana ikhwalithi yamasevisi futhi ezingeni lokuthola ulwazi, singakwazi ukuhlukanisa izinzuzo ezilandelayo eyinhloko ngokubambisana neNhlangano lenhlangano:

• Okuncane setha kwemibhalo. Ukuze asayine isivumelwano badinga kuphela ipasipoti SNILS.
• processing speed. Ikhasimende ungabhala isicelo kunoma yiliphi elinye lamagatsha yasebhange eseduze. Ngemva kwezinsuku ezimbalwa izisebenzi Uyobiza futhi ukuhlela isikhathi basayine isivumelwano.
• Ukufinyelela olwazini. Ibhalansi ye-akhawunti ingabonwa nge "I-akhawunti yami" kuwebhusayithi SPF.

Okumbi (ukwahlulela yi Izibuyekezo amaklayenti enkampani):

• ukulungiswa imibuzo mayelana imiphumela utshalomali izinsuku 30-60;
• njalo ukwehluleka lobuchwepheshe ohlelweni;
• Ezokuphepha NPF isebenza, noma inzuzo, kodwa isivuno Records ishaya.

isiphetho

AmaRashiya ingakwazi ukukhetha lapho inhlangano uzobe wahlanganyela ekuqongeleleni ingxenye uxhaso yempesheni yabo. Omunye NPF ngobukhulu ezweni esungulwe Savings Bank ngo-1995. Kusukela ngomhla ka-2013, 1 million. BaseRussia baye wamphathisa yabo ozongela umhlalaphansi. Lesi sikhungo sisebenza ngokunenzuzo. Imibono mayelana inhlangano kwesokunxele okuningi okufanele oyifunayo. izikhalazo ikhasimende kuhlobene eside ukuthola izitatimende mayelana imiphumela izimali utshalomali kanye isikhathi inqubo yokudlulisa ukubhaliswa komunye APF kwenye.