Iidipozithi Frozen of Sberbank. Ngaba iqhwa deposit? Indlela ekhuselekileyo iidipozithi kwimigangatho Russian?

Sberbank - yenye yeebhanki ezinkulu, hayi nje kuphela eRashiya kodwa ico. It has womnatha kakhulu olubanzi amasebe, inikeza uluhlu olupheleleyo mali kunye neenkonzo zezimali. Ukususela kwixesha lika-2012 iziko ikakhulu zemali zabelo na Central Bank, esithatha 51% yezabelo. Malunga ne-40% ezabelo - esiyimpahla kwiinkampani zangaphandle. iziko Financial izenzo njengento lubalaseleyo-nkqubo yeli lizwe zemali kunye enye abatyalwayo engundoqo karhulumente.

izibalo Digital

Kusekutsha kakhulu ukuba ncokola malunga nokuba ingaba ukuba abe ngumkhenkce iidiphozithi umthengi Savings Bank. showgirl kwiziko lemali ubonisa indlela entle kakhulu lamatyala. Ngoko ke, ukuba ngoMatshi 1, 2015-asethi zeziko imali ukuya 21,945,67 million. Esi salathisi wanika Savings Bank kwindawo yokuqala phakathi kwezinye amaziko zebhanki. Institute of capital, ebalwa ngokungqinelana nemimiselo ye-Central Bank of the Russian Federation ilingana 2,224,53 bhiliyoni. Ngokumalunga portfolio mboleko, ubukhulu yalo 14,970,52 bln. Le izibophelelo esizenzileyo ebantwini karhulumente - ngu 8,391,53 billion.

Ntoni le ncwadana?

Nangona imeko yezoqoqosho enzima kwelo lizwe, ezo iidipozithi e engange, Sberbank, leyo emkhenkceni emva 1991, kodwa wayecebe ukuhlawula kwi kwindlela ezichazwe ngaphambili. Iphuhlise isicwangciso seminyaka emithathu-kunyaka ophelileyo, akukho namnye uya ukulungisa. Ngebhajethi federal wabeka isixa engange-50 yeebhiliyoni ngonyaka ngamnye ukuze iintlawulo zemirhumo kwixesha ukususela ngowama-2014 ukuya 2016. Emva kokuba imvume yomthetho kwi ukukhusela iidipozithi abantu urhulumente uthathe uxanduva ngokupheleleyo lokuhlawula iidipozithi ukuba kwafuneka ngumkhenkce ngexesha nguqulelo 'Pavlovian "ngo-1991. Ngokutsho uxwebhu iidipozithi kwakufanele ukuba zitshintshwe zibe izibambiso.

Bank Izixa ngenxa kubathengi

ityala Domestic karhulumente, ngokutsho ubungakanani lolondolozo ngo-2012 yaba 27.7 ezigidi engange. Eli nani isaziso yi-Ofisi yoMphathiswa wezeMali. Kweli thuba ukususela ngowama-2005 ukuya ku-2011 yaye ngendlela zenziwa iintlawulo abemi kwilizwe kwenqanaba elithile. Xa zizonke, iidiphozithi Sberbank engumkhenkce lehle nge million 365,5 engange. Ukususela ngo-1996, abemi Russian zifumene ezandleni engange 441,6 billion.

isiseko zomthetho iintlawulo

iidipozithi Frozen Savings Bank iya kuhlawulwa kancinci de 2016. Intlawulo iya kuba amaqela 1945 ekuzalweni. Imali Ungafumana kwiindlalifa yokugqibela kule mali izihlandlo ezithathu eseleyo njengoko ngo-1991. Ukuba ngaphambili le mali okanye neendlalifa zakhe ifumene imbuyekezo buso, iya kutsalwa kurhulumente kwinqununu. Ukuba idiphozithi yavalwa ngokusesikweni ngo-1991 ngethuba elisusela kwi-20 Juni ukuya kwi-31 Disemba, imbuyekezo akuthethi nayama khona.

Abahlali Russia, kunye unyaka wokuzalwa ukususela 1946 ukuya 1991, uya kufumana imbuyekezo idipozithi yakho kabini ubukhulu. Umthamo Iintlawulo ziya kubalwa elowo inomlingani ethile, kuxhomekeke kwi ixesha yedipozithi. Ukuba abagcinisa ufele kwisithuba ukususela 2001 ukuya kowama-2014, kwaye yaba ubungakanani idipozithi ngaphezu kwama-400 engange, iindlalifa angafumana evela kuRhulumente malunga 6000 engange ukuhlawulela iinkonzo zemingcwabo. Ukususela ngo-2014, iminikelo ziya kuba nako bonke abatyali, kungakhathaliseki ukuba unyaka wokuzalwa kwabo. izibophelelo State ukuphunyezwa ngokupheleleyo icetyelwe ukuba 2020.

umthetho kuphambuko

Abemi likarhulumente, abo banethemba imbuyekezo, kufuneka bazi ukuba iidipozithi e engange Sberbank ibuyisela phantsi kweemeko ezithile. Kwi ukuvuselelwa mali akakwazi ukubala:

• Abatyali kunye nenzala yabo, lo gama abahlala Russian Federation, akukho ubumi.

• Abatyali neendlalifa, ngubani ngoku musa abahlala eRashiya okanye abangabemi kwamanye amazwe.

Iintlawulo kwiidipozithi ukuba ebezivulwe kwi kwintsimi ithi ngaphambili amalungu waseUSSR, wabamba oorhulumente kumazwe amaninzi yaye ngokuhambelana ngqongqo imithetho ekhoyo endaweni yayo. ulwazi Nembuyekezo arekhodwe lamapasi. Loo ndlela kakhulu nezibophelelo zayo abagcinisa yenza izibhengezo umxholo nokuba Savings Bank ukuba ngumkhenkce iidipozithi ngo-2015, ezingenangqondo kunye kwaphambi kwexesha.

Zeziphi iminikelo eyenziwa yi bank namhlanje?

iziko Financial iyaqhubeka ukusebenza ngokukuko. Isebenza uluhlu olubanzi iziphakamiso, hayi nje kuphela imali angaphandle iidipozithi kwi Savings Bank, kodwa iidipozithi ku engange. Nangona ukuhla kwesantya senzala, uluhlu linikeza libanzi kakhulu. Namhlanje, abathengi yeziko zemali zifumaneke iidipozithi ezintsha Savings Bank:

• Kwizikhongozeli. Idipozithi iya kuvulwa euro, engange kunye eerandi. Ubuncinane intlawulo - ukususela 1000 engange, iirandi 300 kunye euro 300. Ixesha igalelo leenyanga ezintathu ukuya ku-12. Kwi isicelo, idiphozithi iilebhile kwi 1,000 engange, iidola 100 okanye kowethu, konke oko kuxhomekeka lwemali. Ngegalelo Ruble kwakubenza-5% ngo dollar - 4.15%-euro - 3,85%.
• Special. Ixesha igalelo ukususela kwiinyanga ezi-3 ukuya kwiminyaka emithathu. Igalelo lemali Ubuncinane ezingamashumi amathathu amawaka 1000 eerandi okanye euro. Ocetywayo ipesenti engange iminikelo 4,85% ngu dollar - 5.3%-euro - 4,75%.
• Savings. Oku idiphozithi kunye ubuncinane phantsi intlawulo ye-30 amawaka engange kwi-6%. Sam ipesenti ukuze ilungiswe ngokuxhomekeke kwisixa yedipozithi kunye nexesha laso. Ixesha idiphozithi iinyanga ezingama-24. Avumelekile iminikelo eyongezelelweyo ukususela 1000 engange.

inikeza Latest, nto leyo eyenza i-Savings Bank of Russia - igalelo ukuzithemba kunye "Nika Ubomi", yaye multi-njongo. Wonke Ungafumana ubungakanani yotyalo kangangoko, kodwa ukuba okanye hayi ukwamkela intsebenziswano kunye lo mbandela uya kuqonda kamva.

ukunikezwa zokwazisa umhlala

Njengenxalenye yephulo Savings Bank of nkqubo Russia zezi izindululo ezinomdla kakhulu kubantu abadala. fomati ezimbini iidipozithi Kungaba liphathwe:

• Pension e engange kwi ngomyinge wenzala we-6%. Ophantsi wediposithi yi engange-1000, kunye nobude yedipozithi - ukusuka kwiinyanga ezintathu ukuya kwiminyaka emibini. Watsala imali kwi-akhawunti kunye nemali imali engenakwenzeka. Ukuba ithuba niwuzalise akhawunti yakho livulekile, inzala kwi idiphozithi ilingana no-5%.
• Pension Plus. Oku umnikelo kuphela umhlalaphansi kunye eyinkunzi sokuqala 1 engange kunye namathuba ngokumpontshwa kunye 1 engange. Umlinganiselo wenzala yi 3,85%. ixesha lwentsebenziswano iinyanga-36.

utyalo-mali ethembisayo, okanye elinye icala le ngqekembe

Kule minyaka ilishumi idlulileyo, yonke inkqubo zebhanki zasekhaya wanyamezela iinguqu ezinkulu. Oku kusebenza kuphela kuphuhliso, kodwa ukuthotywa. Eyayingqalene ukwandiswa uluhlu lweenkonzo kulo lonke kuvalwa kunye imilinganiselo kwamaziko zemali. Abo namaziko basinda ngeentlekele ka-1998 no-2008, ngo-2015 wanikezela kwizikhundla zabo. Inkonzo iqhelekileyo - idiphozithi design. Russian Savings Bank inika iidipozithi asingabo inzuzo kakhulu, kodwa izinga lokhuseleko izihlandlo ezimbalwa enkulu ngaphezu abucala nemibutho yorhwebo.

Njani ukubheja?

Ukuba ujonga umba ukusuka kwireyithi iBhanki njengelinge bezimali abaninzi kangangoko kunokwenzeka ukuze ahlale lezimali, umgaqo-nkqubo Savings Bank ogqiba imvelaphi ngokubanzi. Kuvakala ukuba ibhanki kutshanje uye bahlabeka irhafu ukuxhasa amatyala abo. Le nyaniso kakhulu abatyali bedanile kwaye yabangela iliza wobhavumo evela eluntwini. Abantu nomdla umbuzo wokuba ingaba Savings Bank ukuba abe ngumkhenkce ingafakwa. Ke ngoko ongezelele isahlulo impendulo ecacileyo ayisebenzi, oko kuchazwe kuphela kukuba ngalo mzuzu iziko zemali ngokuthobela ngokupheleleyo kunye nezibophelelo zawo kubathengi, nangona kunye uerha ezimbalwa. Sizoku lwisana bazalwana zawa nokubuyekezwa ezimbi leyo ikuyo, yinto ukhetho elungileyo.

A Ibali embi

Sberbank nangona izenzo njengoko ibhanki inokuthenjwa zasekhaya kunye nembali yayo ayiniki abatyali ezininzi enokubakho abanye. iidipozithi Frozen ngo-1991 ochaphazelekayo ababephila. Lo mbuzo njengoko bekelelo amazwe liya ngumkhenkce okanye hayi konke konke ukuva. Abantu bayakhathazeka ngokuphathelele lungaphindwa imbali. Kwelinye icala, amaziko ezemali afana i "inyathelo Financial" yaye "PSA", "Finance and Credit" yaye "Terrabank 'bazilahlile izibophelelo zalo ngenxa yokungabikho kwemali. Zonke zazo karhulumente kunye nabasebenzi zolawulo, akukhange nemiphumela. Ukuba sicinga iidipozithi ezintsha Savings Bank, ukuze bakuthathele ingqalelo into yokuba iziko mali ngenkxaso enamandla evela kurhulumente. Akazange anikezele imisebenzi yakhe, yaye namhlanje uzama ukwenza umsebenzi wakhe abagcinisa yexesha elidlulileyo.

Amanye amanqaku umdla

Xa usibona manani, oko Sberbank, igalelo abantu leyo ziyanda rhoqo, ke linokuthenjwa kwaye siqinile. Ukuba ilizwe a ayizukugqiba, oko akunakwenzeka, eli ziko-mali iya kuvalwa wokugqibela. Njengokuba umnini-51% eendawo, urhulumente uzama ukuxhasa oko, ngendlela uphumeza ukwanda eyinkunzi kunye needipozithi frozen ye-Savings Bank kunyaka 1991 bahlawulwa nanamhlanje, emva kokuba isicelo lokuqala-mali mali karhulumente. Ukuhlela intsebenziswano namaziko ezemali, kufuneka sinikele ingqalelo ezi ngongoma zilandelayo:

• Izinga lenzala, nto leyo lingaphantsi kunolo izakhiwo ezikhuphisanayo.
• ithetha ukuba utyale imali kwi-Savings Bank imali ebekiweyo abantu bendalo-mali ka-700 lamawaka engange, njengoko ibandakanya ngokupheleleyo arhente inshorensi.
• Ukuba uceba ukwenza idipozithi imali encinane nje ixesha elifutshane, kungcono ukwenza oko indawo yorhwebo encinane. Apho, yaye ipesenti lingaphezulu, kunye namathuba okuba ngenene imilinganiselo kwixesha elingephi iyapheliswa phantse ngokupheleleyo.

Ziziphi iingxaki abajongene bank namhlanje?

Malunga imali yesibambiso kumaziko zemali akukho zikhalazo. Ngaphezu koko, ngendlela kuhlawulwa iidipozithi frozen ye-Savings Bank of 1991. iingxaki ezincinane inokwenzeka xa kususwa izixa ezinkulu zemali, kwaye nagoko hayi ngokwemiqathango non-intlawulo, kwaye inkalo imfuneko odola cash on hand kwangaphambili. NgoDisemba 2015 abathengi ibhanki baye bafumana ulwazi ukuba imali engange kunye needipozithi lwemali amazwe liya ngumkhenkce ngexesha leeholide. kwiziko lemali kwaye wafumana - bavala ukufikelela kwi-akhawunti zabathengi ukusuka-31 Disemba ukuya kwi-5 Januwari. Ekupheleni ngexesha ukusebenza elimiselweyo ibuyiselwe. izakhi ezinjalo yeziko mali kwanyanzeleka ukuba bachithe ngenxa ezibukhali iyaxhuma zemali, kunye intwasahlobo iingxaki ezinjalo ngengozi ayikho. Fixed ukungasebenzi minor kwi-ofisi online nasezindle wokuguqulela. kokulibaziseka sibonakala kokufumana intlawulo kunye nokudluliselwa kokulibazisa. Njengoko ngokuba iidiphozithi, ngoko kukho ubanga ukuba isakhiwo yezemali mzuzu, kuba ukuba bacinge nzulu umbuzo wokuba ingaba ukuba abe ngumkhenkce iidiphozithi, akukho mfuneko.

Ngaba iidipozithi kwimigangatho basekhaya akhuselekile?

Zonke iidipozithi e kwiibhanki zasekhaya kuhlawulwa yi-Arhente inshorensi inshorensi idipozithi. Ngokutsho komthetho, zonke umnini sedipozithi kwimeko ungonakala kwamaziko mali kufumana imbuyekezo kwi mali ka-700 lamawaka engange, ukuba igalelo ilingana no okanye inkulu kuna kwisixa se kuyo. Ufumana ulwazi yokuba ngexesha nyanga yokugqibela ubungakanani bentlawulo inshorensi kabini kwaye ngoku umi kungekho ngaphantsi kwe-1.4 miliyoni engange. Okukhathaza ngamampunge. Kwaye ke iidiphozithi engange kunye lwemali angaphandle kwi-Savings Bank ukhuselekile kakuhle ngumthetho. Ukuba sicinga simo yezoqoqosho kweli lizwe, kufuneka ukuphepha ukugcina imali yakho kwiziko mali mnye, nkqu inokuthenjwa. Ukwabela imali ekhoyo phakathi ezibambe market ingaba nkulu diversify iingozi. Nokuba bekelelo omnye zebhanki ngumkhenkce, inzala phantse zivale ngokupheleleyo zonke iilahleko. Savings ungaba lilungu nilufanele ipotifoliyo yotyalo-mali, kodwa hayi indawo kuphela yokuqokelela yonke imali eyinkunzi ekhoyo.