Imali, Iibhanki
Igalelo kwi-Savings Bank of Russia - ukuthembeka siqinisekiso
Ukuba ufuna ukugcina, Ukuqokelela nande iimali zabo kratya, igalelo ivulelekile Savings Bank. Alithandabuzeki elokuba, ibhanki-ixhoba inkulu siqinisekile kukuthembeka. Kodwa imali eninzi nangoku akathandi kusebenza, ngenxa yokuba amazinga enzala iidipozithi, ngelishwa, ngaphantsi izinga lokwenyuka kwamaxabiso.
Sberbank ivula iidipozithi e engange, euro zeedola US. Ukongeza, kuyenzeka ukuba wenze ze akhawunti kwi le franc Swiss, omhle kunye yen Japanese. Uyakwazi kodwa ukuvula i-multi-igalelo, apho uzokwazi kwi ukuhla currency (ukongeza kwenzala).
Yintoni igalelo Savings Bank of kakhulu ongenakunceda nto? Zeziphi izithembiso ezahlukeneyo? Okokuqala, cinga itafile kunye uluhlu iidipozithi yebhanki, amazinga enzala kunikwa akhawunti engange.
Igama igalelo | amathuba wemvula |
kwenzala,% | zeemali | elide deposit |
"Phatha" | zikhona | Ukususela 4 ukuya 6.5 | zikhona | Ukususela kwiinyanga ezi-3 ukuya kwiminyaka 3 |
"Recharge" | zikhona | Ukususela 4.35 to 7.25 | zikhona | Ukususela kwiinyanga ezi-3 ukuya kwiminyaka 3 |
"Gcina" | ayikho | 4.5 ukuya kwi 8.0 | zikhona | Ukususela kwinyanga 1 ukuya kwiminyaka 3 |
"Xa ukuphakama" | ayikho | Ukususela 7.25 ukuya 8,75 | ayikho | iminyaka Ukususela kunyaka-1 ukuya kwezi-2 |
Masiqalise nesibakala sokuba igalelo inzuzo kwi Savings Bank - idiphozithi "phezulu". nenzala ethe kwaye ifakwe ekupheleni. Awunakugcinwa kwakhona zisuswe ngaphambi kwexesha. Kodwa interest rate yakhe enyangweni.
Umzekelo, ukuba ufake 100 amawaka engange kunyaka omnye, uya kufumana ingeniso 7.200 engange. Ukutyala imali 500 amawaka engange kunyaka omnye, uya kufumana 36.500 engange. Kaloku, ukuba unayo. Engange million 1, kwaye angabeka iminyaka emi-2, ngoko imali yakho iya kuba 145 amawaka engange.
"Yitshintshe" idipozithi yenzelwe abo bafuna nje ukuba niwuzalise-akhawunti yakho, kodwa kwakhona ukuthatha umdla evela kuyo.
Idipozithi kwi Savings Bank "igcina" - inzala ibalwa rhoqo ngenyanga, akukho amathuba wemvula. Umlinganiselo wenzala kuxhomekeka kwixesha apho une akhawunti. Okukhona, inzala ngakumbi. Nenzala ungadlulisela kwi-akhawunti yakho rhoqo okanye ngecredit card. Ukuba awufuni ukusebenzisa ekhulwini, ngoko ke izakongezwa ngokuzenzekelayo kwimali ayidiphozithe (amagama amakhulu) eza kwandisa ingeniso yakho.
A idiphozithi kwi "uyitshaje" Savings Bank ikuvumela ukuba wenze kuphela ingeniso, kodwa bandisa mali endilisekileyo. Ubukhulu benani ukuvulwa wemvula ngu 1000 engange. Umyinge wenzala, kwakunye nezinye iintlobo, kuxhomekeka kota. Izinga Ubuncinane iya kuba idipozithi, vula iinyanga ezi-3, le eliphezulu - iminyaka emi-3. senyanga Inzala, ungakwazi adubule, kwaye kugxininiswe. Ngaphandle ngokuphindaphindiweyo isongezo akhawunti oluzenzekelayo (ukwandiswa omnye kota).
Kukho pension igalelo ekhethekileyo Savings Bank for abadala - "Pension Plus". Kuya kufuneka zitshintshelwe ngeentlawulo zomhlalaphantsi, nto leyo iya kuhlawuliswa inzala qho ngekota, izinga 3.5% ngonyaka. Sebenzisa kuthetha ngokupheleleyo ngokukhululekileyo, nenzala yayo asuswe okanye eseleyo kwi-akhawunti.
Kukho ithuba kule akhawunti ukuhlawulela iinkonzo zoluntu. Ukulungiselela le njongo, kwanele ukuba ikhuphe umyalelo intlawulo kube kanye akuzange kufuneke ukundwendwela ibhanki.
Kodwa ke, kufanele kuphawulwe ukuba iminikelo "ukulawula", "Gcina" kunye "uyitshaje kwakhona" ekhoyo intanethi, amazinga enzala kulo mzekelo zenziwa kakuhle ngakumbi.
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