"Savings Bank", i-Pension Fund: umthengi reviews, abasebenzi kunye namagqwetha kwi Pension Fund, "Savings Bank" mlinganiselo Russian

Yintoni ufumana "Sberbank" (kwingxowa-mali) izimvo? Lo mbuzo umdla abaninzi. Ingakumbi abo izicwangciso ukuze agcinele iminyaka yabo amadala. Eyona nto kukuba eRashiya kukho inkqubo yomhlalaphantsi numbers. Inxalenye imivuzo kufuneka lokutshintshela kwi-mali ukuze kwakhiwe iintlawulo elizayo.

ithandwa kakhulu amaziko abucala. Bona kweli lizwe kakhulu kunene. Uze ukhethe ezinye kwelinye iziko kunzima. Kufuneka anikele "Savings '? Njengokuba kude ingxowa-mali yomhlalaphantsi ulungile? Yintoni na ngeBhayi- ngaye sele iphuhlisiwe abasebenzi zenkampani, kwakunye iindwendwe? Abameli ucinga nto? Ukuqonda konke oku kuya kunceda iimbono amaninzi ezi ndidi zabantu. Mhlawumbi le nkampani ifanelwe ngokwenene ingqalelo?

ingcaciso emfutshane

Into yokuqala ekufuneka bana phandle uhlobo lombutho ngawo. "Savings Bank" Russian Pension Fund ifumana ezininzi iimpendulo. Kodwa kubonakala ukusuka ezakhayo yokuba kakuhle eyaziwayo inkampani, wenza ntoni.

NPF "Savings Bank" - akukho nto kodwa ingxowa-mali yomhlala-phantsi yesiqhelo kakhulu. It wagcina imali kuthagetha labantu njengenxalenye ye pension inkxaso. uluhlu Abemi kwinxalenye NPF umholo zabo. Ngoko, xa umhlala-phantsi, ukuba bafumane mhlawumbi i yonke imali okanye inxalenye ngokohlobo iintlawulo zenyanga. Okt NPF "Savings Bank" - indawo yokugcina imali, bazihlube ngenxa yokuguga. Ukuba Ndinethemba le mbutho? Ziziphi iingenelo neengozi iye? Yintoni na abasebenzi, abaxhasi kunye namagqwetha lalo mbutho?

ukuthembeka Rating

Ukuze isigqibo, kufuneka sinikele ingqalelo nezalathisi ezifana rating ukuthembeka. Le nto ibizwa ngokuba inqanaba yokuzixhasa kwenkampani kunye intembeko zabathengi. "Savings" (kwingxowa-mali) amanqaku kwimizobo ufumana ikakhulu HIV. Kutheni? Isibakala sokuba umbutho, Ngokwezibalo, ineqondo eliphezulu ukuzithemba. Isalathisi ukuthembeka rating wahlala phantsi uphawu A ++. Logama nje kukho amanqaku trust kungekho ngaphezulu.

Kubonakala ukuba abathengi tshemba inkampani. Ngaphezu koko, le nkampani wafunda luphawulwa uyazinza. Ngoko ke, ukuba akayi kuvalwa. Abanye Luleka ukukhangela ngokusondeleyo kule ngxowa-mali yomhlala-phantsi ngenxa yokuba sixhaswa elunxwemeni igama elifanayo, leyo yeyona inokuthenjwa eRashiya. Amagqwetha zibonisa ukuba sixhobo - sisisiqinisekiso ukuba iintlawulo kungabikho ngxaki.

inzuzo

Kulandela into kunokuba ebalulekileyo - isivuno. Idla ezitsala abathengi. mali zabucala ezinezinto nje ukonga imali ngenxa yokwaluphala, kodwa ukwandisa yonyaka zabo ipesenti ethile. Uninzi lwabemi ngenxa yale index zitshintshela imali yabo NPF.

Kule ndawo, le ncomo mali yomhlalaphantsi "Sberbank" umthengi non-zikarhulumente ezifunyenweyo akuyona indlela engcono. banegalelo amaninzi lubonisa ukuba ifuthe yentsebenziswano ayikho mkhulu kakhulu. Kwi-avareji - 7.5% ngonyaka. Ngelo abasebenzi ngexesha elifanayo mbutho wathembisa ekuqaleni ukuba iintlawulo kunyaka uya kunyuka nge 10-12%. Ngenxa yokuba lo mahluko, abaninzi badiniwe. Ngoko ke, i "Savings Bank" (kwingxowa-mali) ifumana ncomo umlinganiswa elibi.

Kunjalo, le meko uza ukuvelisa zonke NPF. Oku bubuqhinga. Nje umahluko phakathi inzuzo kunye namanani kanye "utya" kwamaxabiso. Imali kwi NPF "Savings" ziyanda, kodwa hayi kakhulu ukuzila. Abaninzi ingongoma yokuba xa isibaluli ngenxa kukhetho lo mali yomhlala-phantsi na inzuzo yalo, kwi "Savings Bank" Kungcono ukuba ukuhamba.

Sokulinganisa Russia

Yintoni enye kufuneka sinikele ingqalelo kuyo? Inyaniso ukuba ingxowa-mali yomhlalaphantsi , "Savings Bank" ubhalo Russian ifumana iirivyu emihle indawo yakhe simo zonke ezikhoyo NPF. Kutheni? Lo mbutho kwi amashishini top ezilishumi, ziyinxalenye pension inkxaso. Ngexesha lonke ubukho NPF "Savings Bank" akazange iwile ngezantsi kwindawo th 8. Unyaka emva konyaka, indawo yatshintsha. Ngako oko kwanele ukuba ukukhumbula ukuba ufunda lo mbutho phakathi top mali yomhlalaphantsi non-urhulumente ezilishumi. Kwaye le nto emehlweni abaninzi. Ngokuqhelekileyo phakathi top ezilishumi kuluhlu nkampani iyizinzise ukuba unokuthenjwa ngokulinganayo.

ukusuka abangaphantsi

Yaye yintoni na abasebenzi "Savings Bank" iqwalasele pension fund? Ngapha koko, ntonje abekiweyo, ukusebenza kwinkampani ethile, walatha ukholo elungileyo yenkampani.

Kulo mzekelo, izimvo ezahlukeneyo. Ezinye NPF "Sberbank" umntu Ndiyavuya uyithande apha. Kuyo nayiphi na imeko, igama elifanayo abaqeshwa yebhanki zibonisa ukuba inkampani ulawulo uyasokola ukweyisela baphantsi kwabo, ukuba benze iminikelo NPF. Asingabo bonke uthanda le yokuziphatha. Kodwa xa kungekho ngokunyanzelwa. Isigqibo sokugqibela kuphela kubasebenzi.

Ezinye "Savings Bank" (kwingxowa-mali) yohlobo ezintle izimvo ezifunyenweyo. Le nkampani iye elide khona, oko kuxhaswa yi yibhanki likhulu igama elifanayo. Abasebenzi idini iphakheji benefit, kwakunye neemeko zokusebenza kakuhle. Njengomqeshi, NPF "Sberbank" okulungileyo. Akuyona indlela engcono, kodwa indawo ophucukileyo yoshishino. Abarhola owaziwayo, nangona phezulu kakhulu. Noko ke, ukusebenza apha, unokuqiniseka kwixesha elizayo.

Ngokwemiqathango yesivumelwano

fund Pension "Savings Bank" ngokutsha Abameli nemiqathango yesivumelwano ekugqitywe ngazo zonke abagcinisa, wafumana ubukhulu becala HIV. Iqulunqwe up isivumelwano oluneenkcukacha ebalula zonke bokuqonda ukuthunyelwa kwemali ukusuka qumrhu omnye komnye. Kwakhona kolu xwebhu, kukho ezibonisa iziphumo kunye nelahleko, nto leyo iza kusekelwa phezu ngummi, ukuba ngequbuliso ufuna imali kwenye ingxowa-mali yomhlalaphantsi. Zonke zomthetho.

Kwakhona, ingxowa-mali yomhlala-phantsi kwe "Savings Bank" Russia uye ncomo nesimilo ngenxa yokuba kwimvumelwano kuso icacisa ngokucacileyo yonke imiqathango ukuthunyelwa kwemali, kwakunye iintlawulo eziza kwenziwa kwixa elizayo. Ukuba kuyimfuneko, kusemthethweni ukuba ubuyekeza iimeko.

iminikelo ngesiquphe

Ezinye abatyali isikhalazo ukuba ayazi apho inxalenye yawo ezongezelelekayo ye pension. Baye nofifi ngoko ke ngabemi imali yayo 'ukuze kukwaluphala "zigcinwa kwi" Savings Bank ". Abanye bathi ukuba alikho semthethweni elo nyathelo. Noko ke, amagqwetha zibonisa ukuba NPF "Savings Bank" isebenza ngokusemthethweni. Ngokuba lo mbutho unelungelo ukungena kwizivumelwano kunye nabaqeshi ezahlukeneyo. Ngoko akuyomfuneko ukuba afumane imvume khoboka nganye.

Ukuba ubungeke intsebenziswano umsebenzi ethile unalo ilungelo lokurhoxisa isivumelwano kunye ingxowa-mali yepenshini ukudlulisela iintlawulo kwenye inkampani. Nangona kunjalo, kuba loo "isimo" "Sberbank" (kwingxowa-mali) ifumana ingxelo umxhasi akuyona indlela engcono. Ukungabikho isaziso intsebenziswano iba nefuthe elibi kwindlela izimvo ezithile nabanikeli.

malunga intlawulo

Kwakhona kufuna ingqalelo ezincinane, njengoko ukuphunyezwa kweentlawulo yokonga zomhlalaphantsi. Olu phawu kodwa kukho inani elincinane labantu babesebenzisa. Kodwa ngoku le ndawo amanye amabango. Not categorical kakhulu, kodwa ke kufuneka ithathelwe ingqalelo.

fund Pension "Sberbank" ncomo umthengi ubhalo negative ifumana oko wambi wabeka kwintlawulo yeemali ilityazisiwe. A efanayo kwenzeka ezinye iinkokeli phakathi NPF. Yinto Ayimangalisi ukuba. Ewe, ukubambezeleka kweentlawulo aba isenzeko emnandi. Kodwa ingxowa-mali yomhlalaphantsi nangoku ukuveza kubo. Nangona eminye imibutho engekho phantsi korhulumente musa uluhlu imali nezona kunye kolibaziseko elide.

Phakathi eziluncedo malunga amazwe kungathiwa inkcazelo eneenkcukacha iimeko ukugqithiselwa kwemali kunye nezibalo walala iintlawulo phantsi kwesivumelwano. Akukho nkohliso. Kananjalo akukho mntu wayengayikhanyeli ukuba xa kuguqulelwa imali ukusuka kwenye APF ukuya kwenye ummi lowo wolahlekelwa ethile. Nkqu isayizi yazo omalunga (kwi pesenti) kuchaziwe kwisivumelwano kunye "Savings Bank".

iziphumo

Yintoni zihlaziye? "Savings Bank" - ingxowa-mali yomhlala-phantsi, nto leyo ifakiwe ezintlwini iinkampani ezikhokelela eRashiya. Yena kakhulu ethembekileyo nabathembekayo. Ixhaswe licandelo igama ngobukhulu elifanayo yebhanki kwi Russian Federation. Kuko oku ukungafihlisi zabathengi.

Ukusuka kwindawo esemthethweni lwembono, umsebenzi NPF akukho zikhalazo. Njengomqeshi, umbutho ulungile. Inikeza umsebenzi isitali kukho imeko-bume. Noko ke, eziyimveliso ukusuka 'Savings Bank "ayikho kakhulu. Abaninzi ingongoma yokuba ukuba umbutho nkonzo ayikho fast kakhulu. Abasebenzi ziyacotha, kodwa unako ukufumana lonke ulwazi.

Ukuba ufuna ukongeza kakhulu oyongele umhlala-phantsi, kwi "Savings Bank" akumele isicelo. Kodwa ukuze ugcine inxalenye ezongezelekayo, inkampani wafunda ingena ngokupheleleyo. Ngoku icacile into eyenza "Savings" (kwingxowa-mali). Ukuphononongwa, ukulinganisa kunye nezimvo amagqwetha, ingeniswe ngaphambili ukuze senze isigqibo esifanelekileyo.