Ikhadi Social umhlala-phantsi. Sberbank ikhadi for umhlalaphansi

scheme lula lokufumana nokugcina imali kwi Pension Fund imema bonke abadla umhlala-phantsi Russian Sberbank, ukhupha ikhadi yeplastiki ekhethekileyo "Maestro". Nawuphi na umsebenzi kuyo ukuba isimahla ngokupheleleyo, kuquka ukushicilelwa lokungena nokuphuma kwemali kwi-akhawunti. Phezu kwayo yonke usebenziso olulula, ikhadi umhlala loluntu hayi ngokuthanda wonke.

Lamapasi okanye iplastiki ikhadi

Ukusebenzisa ikhadi lamatyala akuyomfuneko xa betshintsha pension ngenxa Savings Bank - kodwa uninzi abadala bakhetha amashumi akhawunti yokonga aqinisekisiweyo. Vavanya iingenelo ikhadi phambi umgcini amanani amaphepha alithandayo may kude ngamnye abadala. Ukuze uqale into entsha, nokuba bafunde ezimbalwa izinto ezilula kunye lula, abaninzi ingqalelo engeyomfuneko - iselula kwanele. Ngoko ke, Sberbank ikhadi abadala ngoxa asithandwa ingakumbi phakathi badala.

Kodwa labo onesibindi ukuba epokothweni okanye esipajini sakho endaweni esayilwayo yesiqhelo ezinamagama "iplastiki", kuba ikhadi kufuneka sigcwaliswe iingxelo ezimbini kuphela, kokubini Savings Bank ye-ofisi: eyokuqala - kumba khadi, kwaye eyesibini --mali yomhlalaphantsi phezu kutshintshwe-akhawunti yebhanki yakho apho kuya kuba yimfuneko ukuba udwelise zonke iintlawulo ezifunekayo. Ingxelo yebhanki yesibini kufuneka zisiwe ngesandla kwi FIU ngokunokwabo. Kodwa ke kufuneka kukhunjulwe apha ukuba ixesha yokwenza ikhadi zentlalo inokuba nomahluko ukusuka Sberbank isaziso. Endaweni iintsuku ezisi-7 kwekhadi, kwiimeko ezininzi ndiwele ezandleni umhlalaphantsi emva kweeveki 2-3. Podgadat kufuneka abe nexesha sokunikezela elilandelayo imali.

Kunzima, kodwa iluncedo

Kuphela wazibonela zonke lula usebenzisa ikhadi, ungenza wenze umahluko lamapasi okanye ukufumana ipension kwi-ofisi yeposi. Ngaphandle into yokuba "zeplastiki" igcina abasebenzisi bayo kokuba ukuchitha ixesha kunye nomgudu kwi imigca elide apho umhlala phantsi uze ume nzima yaye udiniwe, lithe oluninzi nezinye iingenelo. Akukho mfuneko yokuba ithwale hamba ezivenkileni, kwiikhemesti, ikliniki "live" engamaphepha ukuba ngamnye kuthi, uyaphazamiseka, wolahlekelwa. Sberbank ikhadi umhlala sinikezwe imisebenzi efanayo njengoko zanikwa iqela elibanzi kubasebenzisi: kusenokwenzeka ukuba iyihlawule kwakunye neevenkile ezikhethiweyo brand Maestro, athwale eziluncedo, imali kwi akhawunti ye izalamane nabahlobo njengesipho okanye mboleko. Kwaye oku kufuneka ufunde i imisebenzi ezimbalwa ezilula kwi-ATM, ezinikeza phantse nawuphi na umntu omdala.

ukhuselo enokuthenjwa kwemali yawo

Inani elaneleyo eyilwayo epokothweni yakho - ngokungathandabuzekiyo ngenxa yeemeko elithozamisayo, kodwa kwangaxeshanye oyikisayo. Ngaphezulu okanye ngaphantsi babe amasela izithuthi zikawonke - akunamsebenzi, omnye kwanele. Senze trickster onjalo, u lingatshintsha uvuyo imvakalelo kwizandla ipasela imali ukuze yahlaselwa Ukunyamalala lwabo ngequbuliso. Kwi mephu akunjalo lithemba: ezikhuselweyo zakho PIN-khowudi, akuyi kunikwa ngamnye ngesandla - ukuqhekeza oko iiyure ezimbalwa nga namava kuphela hacker, kodwa xesha uya kuba ixesha ukwenza oku, ufikelelo kwi imaphu, ungasoloko ukuvimba ngokuya kwi-ofisi Sberbank ekufuphi , okanye ngokutsalela iziko lenkonzo. Kuba abo bangenalo ulwazi ngokwaneleyo - oluvela ifowuni ezishenxayo nani lelayini likaxakeka free ngokupheleleyo kuzo Russia kunye nawuphi na umboneleli ngenkonzo yefowuni. Bezibuza njani yaye phi ukufumana ikhadi kwezentlalo, abadla umhlala-phantsi akukho mfuneko - eyenziwe yonke nayiphi na amasebe Savings Bank.

Ubusuku nemini kwaye ngaphandle uvuka

abasebenzisi Internet, kwanokuba akukho kakhulu abanamava, kodwa babe izakhono ezingundoqo ubuncinane kalula ufunde enye indlela elula kakhulu - ukwenza iintlawulo umatshini okude. Website Sberbank kakhulu mobile, kunye nokusetyenziswa kune kude iinkqubo ezifanayo online zezinye iibhanki. Mhlawumbi, kukho abathile zicofwa kangaphi isicelo ukwenza iintlawulo nge Internet Muscovite ikhadi kwezentlalo, umhlala-phantsi, kodwa uqaphele ukuba akukho mfuneko yokuba ukucinga ukuba ukusetyenziswa lwaqho amakhadi zeplastiki ekuso kubantu abahlala kwizixeko ezikhulu. Kakade ke, umntu singenako ukuyiphika amatyala ethile yonxibelelwano kunye "ngeplastiki 'ukusuka umhlalaphansi kunye emaphandleni besiza - oko konke apho, kodwa uyazi ngakumbi kweenzuzo amakhadi kwiindawo zenqila apho esizisebenzelayo na ngokuqinileyo kuzo zonke iinkalo zobomi nje kwiminyaka embalwa eyadlulayo. Kakade ke, ngeli xesha umhlalaphansi ezininzi langoku bakwazi ukufunda kunye neekhompyutha, kunye nofikelelo intanethi. ummandla eMoscow ikhadi Social umhlala baqhele ukuba inkqubela ngenkankulu bathiywe okanye kumangaliswa imisebenzi yabo. Ikho nokubakho kucingelwa ukuba nguye kuphela.

Izinto eziluncedo ze ikhredithi khadi ngaphandle kwamathandabuzo

Yeyiphi icala okanye engile apho ukujonga ukusetyenziswa kwalo naluphi na ikhadi - eselapha zitshiphu imali okanye lamapasi. Ukuba umntu evela abemi esiphezulu angawasebenzisa ukugxotha yokuba ukudluliselwa kunye nokugcinwa nemali incwadi bakwazi ukuba afumane imilinganiselo yenzala ibhanki yakhe, nto leyo alahlekelwe ngokuthi ufumane imephu, apha yonke yenziwe ngokuchanekileyo - ukuma iintlawulo akhawunti zenziwa kunye ilifa elo ikhadi 3.5% ngamnye Savings ngonyaka efumanekileyo imali eseleyo zigcinwe kuyo. Ukongeza, zithengise ukutya: iivenkile, kwiikhemesti eziyinxalenye a ngokukhethekileyo waqulunqwa ziyaposwa kwi-website kuluhlu Sberbank, ukubonelela kubathengi zabo, abahlawula amakhadi, isaphulelo nice. Ngokuba abadla umhlala-phantsi, bona akhawunti ngenxa 2-15% yexabiso lentengo.

Enye inzuzo ebalulekileyo kukuba ikhadi umhlala lwentlalo oku kubonisa ukusetyenziswa yezicoci. Xa endaweni nganye, kuquka kwiindawo ezisemaphandleni, kukho ofisi Savings Bank-ATM efakiweyo, ukufikelela evulekileyo iiyure ezingama-24.

Ikhadi, kwaye akukho namnye

Ukwenza ikhadi kwezentlalo, ibhanki zonke abacebisi lithathe abevayo ukuba bakwazi nabo ukufumana ukongeza a amakhadi abambalwa kwabanye abantu. Kusenokuba abazukulwana, abantwana, kwaye nkqu nabamelwane ukuba iimfuno elo belisidla umhlala iya kuhlawula bakhe imali yezinkonzo, ukurhoxisa imali ukwenza ezinye iintlawulo kuyo. Ngamafutshane, unako ukufumana kwabo labantu ngokukhuselekileyo ukuphathisa imali yabo. Abanye abantu abadala ngenxa yemeko yabo kunzima ukuba uthenge ngokwabo, amanye awo pension bangakwazi ukuya. Leyo ngazo wamonga Sberbank. ikhadi Social of umhlala kwaye lula ubudlelwane kunye neentlawulo, kunye nokhathalelo izalamane. Lidla amakhadi abongezelelweyo efika abazukulwana uncedo lwemali - ukuba liguqulelwe inxalenye ethile ye pension. Ukuze ufumane amakhadi olongezelelweyo kufuneka uqhagamshelane isebe lebhanki, nto leyo intshukumo kwemali kwi-akhawunti, apho isicelo efanelekileyo. Izixa-mali eziya kudluliselwa kwabanye abantu ingalungiswa ngqo, kuba ukuthembeka enkulu. Kwakhona kufuneka ziboniswe ingxelo.

Imali phantsi kolawulo

umhlalaphansi balumke, nokuba ukuthemba izalamane zabo badla ufuna ukulawula buqu imali yabo: busemngciphekweni beza okanye incwadi. Kunikezelo amakhadi zentlalo umhlala It salwenza kunye isaziso inyanzelekile ukuba Bayifaka ibhanki mobile, ngoko konke okunye kwenziwa kwimephu, ukuya inombolo yefowuni ephathwayo ekufuneka kubonisiwe kwingxelo, uya kufumana umyalezo wombhalo ebonisa isixa-mali yentengiselwano. Ngefoni kule meko isebenza isixhobo ezongezelelweyo ukulawula, ukusuka apho kwedatha zitshekishwe nangaliphi na ixesha. zebhanki mobile - yinkonzo ihlawulwe, kodwa obutofotofo kakhulu, kwaye ibhodi incinane kakhulu: engange-30 kuphela ngenyanga nganye. Hi ndlela leyi, ifowuni kunokunxulunyaniswa kwaye isebenzela ukuhanjiswa kwemali kunye ezongezelelweyo amakhadi, ezo zikhutshwa xa isicelo engundoqo. Ke umhlala uya kukwazi ukubona indlela wachitha pension yakhe yonke.

Unxibelelwano kunye namakhadi. uqeqesho

Abantu abaye kudala wayenesimo sengqondo esithile ukuya ezintsha, kunzima ukuyamkela into yokuba akwazi ngokupheleleyo ukutshintsha indlela eqhelekileyo ubomi babo, naxa kumnandi yaye kulula ukutshintsha ubomi. ikhadi Social of umhlala Libhekisela ncakasa ezintsha ezinjalo. Apha into engundoqo - ukuqinisekisa ukuba yonke into ikhuselekile. Kwaye emva kokuba umhlala ukoyisa amathandabuzo kwangethuba kwaye buqu baqonde kube lula osetekenini ikhadi, ungenza ukuqeqesha kube nokusetyenziswa kwayo ngokubanzi, ukuya ezivenkileni kunye neenkonzo phezu intlawulo internet. Indima yoqeqesho yathabatha nayo Savings Bank, waququzelela isikolo kweeklasi umhlala mihla apho wonke ubani ukuya ikhadi lwentlalo. Uqeqesho olwenziwa emasebeni awo ebhankini, yaye nini yaye phi ingafunyanwa kwi yesebe yakhe buqu kunye ngefowuni. Ukongeza, enze yonke imisebenzi eyimfuneko kwi amakhadi yenzelwe ukunceda Sberbank umkhosi labacebisi, igumbi lokusebenza ngalinye kukho ezininzi, yaye iziko umxhasi ngalinye, ukuba kuyimfuneko ukuba uqhagamshelane nabo ukuze ufumane uncedo.

Xa Savings Bank of the ikhadi

Ukuze ufumane apho kwaye indlela imaphu loluntu elo belisidla umhlala, ukwenza iinzame ezikhethekileyo iyakufuneka - nje ipasipoti nesiqinisekiso pension ukungena kuyo nayiphi na i-ofisi ye-Savings Bank. Kakade ke, kuhle ukuba akhethe elikufutshane kwindawo abahlala kuzo, njengokuba ukususela kumaxesha ngamaxesha apho kuya kufuneka ukuba aye kubona. ikhadi Social ikhutshwa kuphela kwabo abadala abasele wasondela pension lakhe ngangenani imithetho kwaye bayayazi ukuba amaxwebhu ayo afanelekileyo - kuba Sberbank isiqinisekiso umhlala phantsi kakhulu zesiqhelo.

Igqityiwe kwaye ungene kwi-ofisi maxwebhu mabini kuphela: i ifomu yesicelo ukuba ikhadi kwaye isicelo sokudluliselwa yomhlalaphantsi kwi abalupheleko ngaloo ukuphumeza zonke izenzo efunekayo kubo ngenxa yokuthenga 'zeplastikhi ". Yonke enye into, kuquka isisombululo kwezi ngxaki ne-mali yomhlalaphantsi - imisebenzi abaqeshwa yebhanki.

Ukuthathwa emva kokuphela okanye ukulahleka

ikhadi Social sisebenza iminyaka emithathu. Umhla wokuphelelwa ukusetyenziswa kwayo, ukuba oyifunayo, ungasoloko kuvuswa kwinkumbulo - kwicala ngaphambili "yeplastiki" oko idweliswe ukonyulwa konyaka kunye yinyanga ekupheleni kwexesha. Kubalulekile ukukhumbula ukuba ikhadi luyasebenza, kwada kwaba kwabokugqibela (qukwanga) imini ikhalenda lwenyanga. Ithi ke, ukuba oyifunayo, kungenziwa yakhutshwa. Ukuba onke amanyathelo kwi nokubhaliswa kwakhona umthambo ngokuchanekileyo nangexesha, kungcono kwinyanga yokuqala kokuphela nexesha esisetyenziswe, yiya kwisebe le-Savings Bank, apho kukhutshwe khona zeplastiki, kwaye ukwazi kwangaphambili ukuba ukwandisa indlela phantsi ikhadi lwentlalo. Ibhanka ngokuzimeleyo umkhwetha reissue oluzenzekelayo amakhadi, kodwa ukuba akukho kuphinda umxhasi uya onqwenela ukusebenzisa oko, kufuneka azise abasebenzi lemfundo mali kwiintsuku ezingama-60 zekhalenda phambi kwexesha elimisiweyo kusetyenziswe ikhadi elisebenzayo. Ukuba ulahlekelwa i "yeplastiki" kufuneka azise ibhanki ngokukhawuleza kangangoko kunokwenzeka.

Ukuba usekhona uthandabuzayo

Ngaphandle zonke iingenelo esele ikhankanyiwe, xa usebenzisa ikhadi, unako kwakhona ukuqokelela amanqaku ukusuka elunxwemeni ngokwayo. Cards "Maestro" series "Social" uquka iphulo bonus elikhethekileyo "Enkosi kwi-Savings Bank kwakho", ngokutsho kuyo nayiphi na ukuthenga ehlawulwa ikhadi, amanqaku wayo umvuzo ngeqondo wesiqingatha elinye ekhulwini ixabiso lentengo. Ezi amanqaku emva ukufumba unikezelo ngokwaneleyo imali, ingasetyenziswa xa impahla yokuthenga wayethanda kwelinye zokuphuma, oko kukuthi uliqabane i-Savings. Kwaye, kakade, imephu bentlalo umhlala "Maestro" buyafuneka ukwenzela uhambo elide, umzekelo, ukuhamba. Kuyo nayiphi na ukuhlala ilizwe lethu, yaye phantse zonke kwisixeko esikhulu amazwe kukho amasebe Savings Bank of Russia, kwaye kwezinye izixeko yaye akukho namnye apho kunokwenzeka ukuze kuphononongwe imali ekhoyo kwi-mali akhawunti ukuba ahlawule ukuthenga zayo, indawo yokuhlala kunye nezinye iinkonzo. Kwathi ngelo xesha - akukho nokukhathazeka malunga ukulahlekelwa yimali!

Lwenza lula yaye kukhulise

Inkqubela kwenza ubomi bethu obutofotofo ngakumbi. Kwaye ukuba uyiphathe phambi gadgets "smart" zibelula. Isizukulwana esitsha baseRashiya ukuqonda aze amkele oku ixesha elide, yonke nootatomkhulu babo. Ukuze ubone ngokwabo indlela niyavuma ukukwamkela into entsha, kufuneka kutyelela Savings Bank. ikhadi Social umhlala-phantsi, echasene ababengakholwa, abaninzi abasebenzisi bayo ukuyithanda. Abantu bazimisele ukususa umhlala-phantsi wakhe, ahlawule imali yezinkonzo, imali abantwana kunye nabazukulwana. Kakade ke, kusoloko kukho abacebisi, kodwa umsebenzi olula, abantu abaninzi abadala bayakwazi ukuqaphela ngokwabo.

Abanye waqaphela ukuba nokuza kubomi babo ifowuni ephathwayo, i-Internet kunye neentlobo zayo lula, ikhadi lebhanki letyala, besusa ngemfuneko beme emgceni ngomhla intlawulo ye pension, Nakweyiphi na imo yabo yempilo, okanye hlala window elinde ngunoposi. Xa ukuhlola iimpawu iimephu, abaninzi naye, wayeka.