"Inkulumbuso yaseSberbank" - yintoni na? Inomdla kwidiphozi, umthengi kunye nomsebenzi wengxelo

I-Sberbank yaseRashiya inikezela abathengi bayo inkonzo enjengokuthi "iNkulumbuso yaseSberbank". Yintoni na? Masizame ukuqonda ngokubanzi iinkcukacha. Inkonzo ngokuyinxalenye ifom yeenkonzo ezikhethekileyo, efumaneka kuphela kubaxumi abazizityebi bebhanki enkulu kweli lizwe. Isiphakamiso sinikela ngenqanaba eliphezulu lenkonzo kunye nobumfihlo obubanzi ngexesha leengxoxo, ukubonelela kunaliphi na isebe ekuphumeni nasekuncedeni kumphathi womntu ekukhetheni iimveliso zebhanki ezifanelekileyo.

Indlela yokuba ngumthengi kwiprogram yeNkulumbuso yaseSberbank kwaye ziziphi iinzuzo?

Inkqubo "iNkulumbuso yaseSberbank", ukuhlaziywa kwabaxhasi malunga nokuba yiyiphi indlela ekhethekileyo, kunikwa inqanaba elithile labantu ngabanye ngaphandle kwentlawulo. Ukuze ufumane uluhlu lwabathengi abakhethiweyo, umntu kufuneka ahlangabezane neemeko eziyimfuneko:

• Ubukho bediphozithi kwiziko lemali kwisixa se-1 million ukuya kwii-ruble ezigidi eziyi-8.
• Ukubhekiselele kumakhasimende omvuzo, ngokufumana umvuzo kwikhadi le-Sberbank yaseRashiya kwiinyanga ezi-6 ezidlulileyo kwisilinganiso samawaka angama-150 ukuya kumawaka ama-500 ngenyanga.

Iimfuno zingalungiswa ngokubhekiselele kwingingqi apho le fom yentsebenziswano iphakanyiswa. Ukuxhumeka kwinkonzo kwenziwa kwimodi yefowuni. Abaxumi be-VIP banokufanelekela abathengi abanokufaka idiphozi yezigidi eziyi-8 okanye i-ruble yezigidi ezingaphezu kwe-20 zemali-mboleko.

Izibonelelo eziyingqayizivele kunye nenzuzo

Siqhubeka siqwalasela inkqubo "iNkulumbuso yaseSberbank". Oko kukuthi, kuya kuvumela ukuba ubone uluhlu olubanzi lwezibonelelo ngaphakathi kwenkonzo. Kufuneka kuthethwe ngamanani afanelekileyo kwiifomethi:

• "Prime Save" ukuya ku-11.34% kwiiruble.
• "I-Popolnyay ekhethekileyo" ukusuka kwi-11.02% ukuya kwi-11.67% kwi-ruble.
• "Ulawulo oluKhethekileyo" ukusuka ku-10.31% ukuya kwi-11.20% kwiiruble.

Abaxhasi banelungelo lokukhupha amakhadi eplastiki eplasimenti yeVisa Platinum ne-World MasterCard Black Edition. Abaxhasi be-VIP bafumana ithuba elikhethekileyo lokutshala imali kwimali kunye kunye nezitye ezixabisekileyo.

INkulumbuso: isibonelelo esihle kubaxumi abacebileyo

Inkqubo "iNkulumbuso yaseSberbank", inzala kwiifom ekhangekayo, yenzelwe ukuhlangabezana nazo zonke iimfuno zabathengi abacebileyo. Abantu abanenkunzi enkulu kwizandla zabo ngoku banethuba lokutshala imali yabo kwiiprogram ezithengileyo eziphezulu kunye neengozi ezincinci. Abaxhasi be-"Sbondbank Premier" bakhethwa ngabatyalo-mali abanomsebenzi owenziwa ngawo ngamnye.

Abaphathi bezakhono, ngokuqwalasela iimfuno zenkxalabo kunye neemfuno, banikezela ngemveliso ephezulu kakhulu yezemali. Ukwahlula kwabo bonke abaxhamli beziko lemali ngamaqela bavumela ukuhanjiswa kweenkonzo kwizinga eliphezulu.

Kutheni ndifuna ukukhonza iNkulumbuso?

Inkonzo "iNkulumbuso yase-Sberbank", abasebenzisi bayo bavakalisa ngokugqithiseleyo, kugxininiswe kubantu abaye banakho imali enkulu. Akuyiyo imfihlo kunoma ubani ukuba enkulu imali yokonga, ulawulo oluphezulu lolawulo lufunekayo. Iingcali ezigqwesileyo zeSberbank zaseRashiya zinika izicombululo ezifanelekileyo malunga nokulawula iimali zomntu. Umlingani ngamnye we-VIP unikezwa ngomnxeba womnxeba womntu ngaphakathi kwiCandelo loQhagamshelwano. Isisombululo salo naliphi na imibuzo enokuyenza ngaphandle kokutyelela amasebe eziko lemali. Kuyinto efanelekileyo kakhulu kubantu boshishino, abaphantse banakho ixesha elaneleyo lokuzonwabisa. Kumntu womphathi ngamnye, umcebisi wezezimali oqeqeshiweyo unikwa. Kuya kubonelela ngoncedo olungenakuxhaswa ekwenzeni isicwangciso sotyalo-mali esihlala ixesha elide, siya kufumana iikhokelo ezifanelekileyo kunye neyona ndlela efanelekileyo yokuphunyezwa kwayo. Inkqubo ethi "iNkulumbuso yaseSberbank", inzala kwimali ephakamileyo ephakamileyo kunamashishini, inikezela ngemveliso emininzi yebhanki entsha, ukufikelela apho kutholakala kuphela kumakhasimende anelungelo. Le "i-Deposit kunye ne-fund fund" kunye "neDistim, i-joint fund kunye ne-inshurensi yonyango".

"I-Cream" yeenkonzo zeebhanki kwiphakheji enye

Inkonzo "iNkulumbuso yaseSberbank", ukuba le nto ikhankanywe ngasentla, yinyani inzima yezibonelelo ezibalulekileyo zebhanki. Imveliso eyinkimbinkimbi, kunye nenkcitho encinci yenkcitho kunye nenkcitho engaphelelwanga yomzamo, ikuvumela ukuba ulahle i-capital yakho ngokufanelekileyo ngokusemandleni. Iinkalo ezahlukeneyo zotyalo-mali azikho nje ukuthembisa. Ukongeza kwi-investments yendabuko kwidiphozithi, abathengi abanelungelo abanokufikelela kwii-asethi eziphakamileyo ezifana nezitye ezixabisekileyo kunye nezobambiso. Uninzi lwabatyala-mali abancinci, kungekhona ukuba abazange banomdla kule mimandla, abazange bafikelele kubo.

Ukuthengwa kweengxowa-mali ezihlangeneyo: ezininzi iingeniso kwiphakheji enye

Cinga i-Mutual Funds - enye yeyona ndawo inenzuzo kakhulu enikezelwa phantsi kweprogram ye-Premier Sberbank. Yintoni le, zama ukudibanisa ngokulandelelana. Ixabiso eliphambili lonikezelo kukuba kukuvumela ukuba uzive uqobo lwakho zonke iingenelo zezabelo kunye nezibophelelo. Iimali ezityalomali kwiingxowa-mali zihlanganyelwe ngabaphathi bezakhono. Umnini weeyunithi akanako ukubeka iliso imeko yeemarike ngokuzimeleyo, ukuhlalutya, kwaye angenzi izigqibo malunga nokuthengwa kunye nokuthengiswa kweemfanelo. Umlinganiselo wezinga elilindelekileyo lenzuzo kunye nenzuzo yalo mveliso kuya kuxhomekeka kuphela kwiziphi iziqinisekiso ezizithengiswa kwizinto: kwizabelo, kwiibhondi okanye kwizinto zombini zangexeshana. Ibhanki ye-First Savings yaseBhanki inikezela ukwenza yonke imisebenzi ephambili kumtyalomali. Ngombulelo wokuqokelela utyalo-mali kwi-asethi enye, abaphathi abanamava baqokelela iipowfoliyo ezizinzileyo kwaye zizinzileyo.

I-OMS - nikela kuphela ngokukhethiweyo

Abaxhamli beprogram bangaba ngabanikazi bee-akhawunti zetsimbi okanye ii-OMS, ezibalwe kwigram zensimbi. Inzuzo evela kuloluhlobo lwentlawulo ichithwe ngokutshintsha ixabiso lentsimbi exabisekileyo kwiimarike ngamazwe ngamazwe. Le ntetho evela kwi-"Sberbank Premier" yenzeke ngokukhawuleza, enokuxhamla oluthile kunye nezibonelelo ezinikezayo. Inzuzo ephambili yale nkqubo kukungabikho kweVAT kunye nobunzima bokugcinwa kwesinyithi. Ubunokwenzeka bokuba kunye nokulimala kwipropati ayibandakanyiweyo ngokupheleleyo, ekubeni igrama yentsimbi eyigugu iyinto ebonakalayo. Zonke iintengiso ezingenayo kunye nokuzinza kwiakhawunti nganye zenziwa ngokulula. Isibonelelo siyimfuneko kubafakeli-mali abanokuzithengelayo abanikele ingqalelo ngokwaneleyo ekuhanjisweni kweengozi kunye nokutshala kwimveliso yebhanki "iSberbank". Idiphozithi "iNdunankulu" kwifomati ye-OMC ngegolide, eyenziwe ixesha elide - livule ithuba lokunyusa imali yakho enkulu ngaphandle kweengozi. Ngokuphathelele isilivere, i-platinum kunye ne-palladium, ii-OMS ezinjalo zifaneleke ngakumbi kubatyalomali abanamava amahle.

Imithetho ephezulu yokutshala imali

Ukunikezela ngamakhasimende anelungelo eliphezulu kwinqanaba eliphezulu akuyona into kuphela uSberbank inika. Idiphozithi "iNkulumbuso" kwimveliso "I-Deposit + PIF" ifumaneka kwicandelo le-VIP xa utyalomali ukususela kuma-ruble ayi-100. Kubalulekile ukugxininisa ukuba ubungakanani bentlawulo yepositi, ebandakanywa kwisakhiwo semveliso, lunokuphakama njengama-50%. Iimali ezithengiweyo malunga nokuthengwa kweeyunithi mazibe zilinganiselwe okanye zigqithise ubuninzi bepositi ngokwayo. Ngaphantsi kwenkqubo "Idipozithi, i-fund kunye ne-inshorensi yonyango eyimpoqo" inani elincinci lokutsalwa mali kufuneka lilingane nama-ruble ayi-150 ewaka. Ubungakanani bediphozithi "iPortfolio" akufanele ibe ngaphezu kwe-33.3% yemali kwi-akhawunti. Ngexesha elifanayo, inani lotyalo-mali kwiiyunithi okanye kwi-OMC kufuneka lihambelane nomthamo wediphozithi, okanye ungadlulanga.

Amanani omdla, okanye iNqanaba lokufumana ingeniso

Inkonzo "Inkulumbuso yaseSberbank" yobambiswano inika umdla. Ngokomzekelo, inzala yenzalo kwiiprogram "Utyalo-mali" kunye ne "Portfolio" ziphakamileyo kakhulu kunezidiphozithi eziqhelekileyo. Ngokuxhomekeke kwizinto ezithile zomkhiqizo kunye nobude bokutshala imali kuyo, inzala ingahluka ukusuka kwi-7 kuya ku-12.5% kwiiruble. Ukuhlawulwa kwi-akhawunti kuyenzeka xa kwenzeka ukwanda kwintengo yeengcaphuno zokubambisa kunye nezitye ezixabisekileyo. Umlinganiselo wengozi kunye nenzuzo unokulawulwa kalula ngokufumana uhlobo oluthile lwezinyithi ezingafaniyo kunye neengxenye ezivela kwimali eyahlukeneyo.

Ibhanki ye-Savings yeBhanki yeBhanki (isebe labathengi abanelungelo) libonelela ngeemeko ezithile zokubambisana. Iifosti zikhutshwa ixesha elifutshane: 1 inyanga kunye nosuku olu-1, iinyanga ezintathu kunye nosuku olu-1. Zonke ezinye izongezo zentlawulo zifumaneka phantsi kwenkqubo yo- "Gcina". Xa iiprogram zediphozithi ziphela, zinokuvalwa kuphela. Inketho eyongezelelekileyo kukulindela kwenyuka kwixabiso lempahla kwiimarike zamanye amazwe ngenjongo yokuthengiswa kwabo ngexabiso eliphezulu kakhulu. Imveliso nganye idibeneyo ihamba neenkqubo zentengiso.