Sidinga ukuzinza kanye iziqinisekiso? Khetha umnikelo inzuzo kuya Savings Bank

ERussia kukhona bangaphezulu kuka-850 amabhange ekuqaleni September kulonyaka. Sberbank eRussia elihlukile phakathi izikhungo eziningi zezimali - ingenye amabhange endala futhi ohlonishwa kakhulu. Ingxenye izimpahla zayo isiyonke yasebhange "piggy bank" akhawunti cishe ingxenye yesithathu. Idumela kuyinto umlingani okuthembekile kakhulu edonsela emabhange zisebenzisa idiphozi inikeza Savings Bank.

Kuyazuzisa umnikelo Savings Bank kungazuzisa ngempela depositor uma lihlangana izimo ayisihluthulelo kahle ukutshalwa: ofeleba nyangazonke kwenzalo ikhono ubuyise idiphozi. Ngalezi imingcele, ku okomnikelo umugqa "Ashona" singazuza 4,85% kuya 7.25% ngonyaka, kuye ngokuthi lemali idiphozi nokuvuthwa.

Ukuqala ekwindla ulilethele nokwehla jikelele isithakazelo amanani ezifakwa kuwo wonke amabhange. Mina yayiphumula futhi ibhange eyinhloko yezwe. Nokho, umnikelo sivune Savings Bank ingatholakala ekuphetheni inkontileka "isitifiketi ukonga". I engavamile walesi idiphozi (security) wukuthi kuba engenabuntu, kungenzeka ke wethulwe khona inkokhelo kumuntu phezu ekwetfuleni iphasiphothi. Ngaphezu kwalokho, ungasebenzisa isitifiketi njengoba ibheyili noma ukucubungula imali-mboleko. Zenzalo ku kungase sifinyelele 10% ngonyaka. Ngaphezu kwalokho, inani lenzalo incike lemali futhi eside. Ukuze uthole amanani esingeqile ruble 50,000, izinga uya kuba umnikelo evumelekile "On Demand".

Ukwamukelwa abantu abaningi base-Inthanethi ezimpilweni zabantu nsuku zonke futhi washiya isigxivizo phezu elala amabhange. Online yasebhange kuyazuzisa hhayi kuphela ngokuya saving time. umnikelo inzuzo kuya Savings Bank - umugqa "umugqa" imali. Lapho igciwane ezifakwa kwi "Ashona", "ithemba" futhi "Phatha" Inkomba "intanethi" senzalo kungase kukhule 1% kuya base isilinganiso sokubuyisela.

Imali kakhulu kulezi ezifakwa ingatholakala ngokufaka izivumelwano isikhathi esiphezulu - iminyaka engu-3. Ngaphambi kokuphela kwalesi sikhathi kukhona kungenzeka ukususwa esinqunyiwe noma ephelele inzalo enqwabelene, nakuba akusiyo lalihamba kahle kakhulu. Ukuze ukusebenza okomnikelo kwakuwumsebenzi wokuhumusha omkhulu kunayo, kungcono ishiyelwe isithakazelo amacala osonhlamvukazi.

Abantu abadala, like ubani, bayakwazisa nokwethenjelwa idumela ebhange. isithakazelo Ephakeme ku ezifakwa Sberbank okhokhela kubo. ezifakwa Kuyazuzisa kwabahola impesheni - ". Ashona (umhlalaphansi)" "Gcina (impesheni)", Zingase inani ruble 1,000, zihlanganisa wetimali nesithakazelo futhi idiphozi. Lapho ukufakwa kuhlu impesheni ngenxa "Pension Plus" umnikelo inzuzo kuya Savings Bank inikeza ukwanda isilinganiso sokubuyisela eqhathaniswa idiphozi evamile. Abahola impesheni ungaphatha izimali zabo ngasiphi isikhathi, ngenkathi ethola imali ku 3% ngonyaka.

Zenzalo Savings Bank musa athembisa super inzuzo. kwephromoshini nezinye amabhange sathembisa izimo kakhulu ziba ngconywana. Nokho, ukuthembeka nokuvikeleka ezezimali etshaliwe ngokuphelele - liphinde enhlokodolobha. Yilokhu inikeza izimali zalo Sberbank. Yini umnikelo inzuzo esengeziwe zimali ethile, kukuwe kuye. Kubalulekile singalahlekelwa ekuphishekeleni isithakazelo esheshayo futhi singalahlekelwa imali yabo.