Izimali, Amabhange
Umnikelo ku-Sberbank waseRussia uqinisekisa ukuthembeka
Uma udinga ukulondoloza, gcina futhi ukwandise imali yakho etholakalayo, vula idiphozi eSberbank. Ngokungangabazeki, ibhange elikhulu kunazo zonke isikhathi eside liyisiqinisekiso sokuthembeka. Kodwa ukuze uthole imali eningi ayisasebenzi, ngoba izithakazelo ezikweletini, ngeshwa, ziphansi kunezinga lokukhuphuka kwemali.
I-Sberbank ivula ama-deposits ngo-ruble, ama-euro namadola ase-US. Ngaphezu kwalokho, kunethuba lokuvula i-akhawunti emaFrancs aseSwitzerland, ama- pounds ama-sterling ne- Japanese. Ungakwazi futhi ukuvula idiphozi ye-multicurrency, lapho ungathola khona ngokushintsha kwezinga lokushintshaniswa (ngaphezu kwesilinganiso senzalo).
Iyiphi iminikelo enenzuzo kakhulu eSberbank? Uyini umehluko phakathi kweziphakamiso ezahlukene? Okokuqala, ake sibheke etafuleni ngohlu lwamasheya ebhange, izintela zenzalo zinikezwa ama-akhawunti we-ruble.
Igama lokufaka | Ukutholakala kokubuyiswa kabusha |
Amanani ezithakazelo,% | I-Capitalization | I-term of deposit |
"Phatha" | Kukhona | 4 kuya ku-6.5 | Kukhona | Kusukela ezinyangeni ezintathu kuya eminyakeni emithathu |
"Gcwalisa" | Kukhona | 4.35 kuya ku-7.25 | Kukhona | Kusukela ezinyangeni ezintathu kuya eminyakeni emithathu |
"Gcina" | Cha | 4.5 kuya ku-8.0 | Kukhona | Kusukela ku-1 inyanga kuya eminyakeni engu-3 |
"Phezulu" | Cha | 7.25 kuya ku-8.75 | Cha | Kusukela ku-1 unyaka kuya eminyakeni emibili |
Okokuqala, iminikelo enenzuzo kunazo zonke eSberbank idiphozi "E-Altitude". Intshisekelo kuyo ayikwaziswa futhi inikwe ngemuva kokuphela kwesikhathi. Awukwazi ukugcwaliswa futhi asuswe ngaphambi kwesikhathi. Kodwa isilinganiso senzalo salo siphezulu kakhulu.
Isibonelo, uma ufaka ama-ruble ayizinkulungwane eziyi-100 ngonyaka owodwa, uzothola inzuzo engama-ruble angu-7200. Ngokutshala ama-ruble ayizinkulungwane ezingu-500 ngonyaka owodwa, uzothola ama-ruble angu-36.5 ayizinkulungwane. Yebo, uma unama-ruble ayizigidi eziyi-1 futhi ungayifaka iminyaka emibili, khona-ke imali engenayo iyoba yi-ruble angu-145 000.
Idiphozi "Phatha" ihloselwe kulabo abafisa ukugcwalisa i-akhawunti yabo kuphela, kodwa futhi ukuhoxisa inzalo kuyo.
Idiphozidi idiphozi eSberbank "Londoloza" - inzalo ekhishwe nyanga zonke, ayikho ithuba lokugcwalisa kabusha. Inani lesithakazelo lincike esikhathini owavula ngayo i-akhawunti. Isikhathi eside, isikhathi esikhulu. Ungadlulisela isithakazelo esikhishwe kwi-akhawunti yakho evamile noma kwi-akhawunti yekhadi leplastiki. Uma ungafuni ukusebenzisa intshisekelo, khona-ke izongeniswa ngokuzenzekelayo emalini ye-deposit (i-capitalized), ezokwandisa imali engenayo.
Idiphozidi idiphozi eSberbank "Popolnyay" ayivumeli kuphela ukwenza inzuzo, kodwa futhi ukugcina imali ehloniphekile. Usayizi obuncane wokuvulwa nokubuyiswa kabusha yi-ruble 1000. Isilinganiso senzalo, ngokuqondene nezinye izinhlobo, kuncike esikhathini. Izinga eliphansi lizoba lediphozi, livule izinyanga ezingu-3, inani eliphezulu - iminyaka emithathu. Ungakwazi ukuhoxisa inzalo njalo ngenyanga, noma ungafaka imali. Ukunwetshwa okuzenzakalelayo okuzenzakalelayo kwe-akhawunti kucatshangelwe (isandiso sesinye isikhathi).
Kulaba asebekhulile, kunomnikelo okhethekile wempesheni eSberbank - "I-Pension Plus". Izinzuzo zempesheni kumele zihanjiswe kuye, okuzokwenzelwa isithakazelo sekota ngayinye, isilinganiso sonyaka ngu-3.5%. Ungasebenzisa izimali ngokukhululekile, inzalo ekhishiwe ingahoxiswa noma ishiywe ku-akhawunti.
Kukhona ithuba lokukhokha izikweletu zomsebenzi kusuka kule akhawunti. Ukuze wenze lokhu, awudingi ngisho nokuvakashela ibhange njalo, kwanele ukukhipha i-oda lokukhokha kanye.
Kumele kuqashelwe ukuthi idiphozi "Phatha", "Gcina" ne "Popolnyay" ikhona ku-intanethi, amanani entengo kulokhu anikezwa inzuzo eningi.
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