Ufuna ukuzinza nokuqinisekisa? Khetha idiphozi enenzuzo kwiSberbank

ERashiya ekuqaleni kukaSeptemba kulo nyaka kunabhanki angaphezu kwama-850. Ngaphandle kweeninzi zemali kunye namaziko ezezimali, iSberbank yaseRashiya yenye yeebhanki ezindala kunye ezihloniphekileyo. Isabelo sempahla yaso kwi-bhanki yebhanki yebhanki "phantse kwisithathu. Udumo lomlingane othembekileyo kakhulu lunomtsalane kwiifomiti ukuba zisebenzise inzuzo ye-deposit ye-Sberbank.

Igalelo elixhamlayo kwiSberbank linokuba luncedo ngokwenene kumgcini-mali xa iimeko eziphambili zokubakhotyana kwemali zimali zidibeneyo: inkunzi yemali yenyanga kunye nenzeka yokuzalisa idiphozithi. Ngeemigangatho enjalo kwidiphozithi yomgca "uPololyayay" unokufumana inzuzo evela kwi-4.85% ukuya kwi-7.25% ngonyaka, kuxhomekeke kwisixa sedizithi kunye nexesha lokubekwa.

I-autumn ezayo yazisa ukwehla ngokubanzi kwizinga lentengo kwiimali zonke kwiibhanki. Ibhanki ephambili yelizwe yayingeyona nto. Nangona kunjalo, igalelo elincomekayo kwiSberbank lingatholakala xa kugqiba isivumelwano seSatifikethi sokuSindisa. Ubungqina beli diphozithi (ukhuseleko) kukuba alukho umntu ongenamntu, oko kukuthi, inokuboniswa ukuhlawula nayiphi na umntu ekubonisweni kwepaspoti. Ukongeza, isatifikethi sinokusetyenziswa njengesibambiso okanye isiqinisekiso sokusebenza kwemboleko. Amanani omdla kuwo angafikelela kwi-10% ngonyaka. Yaye ubungakanani bomyinge wenzalo kuxhomekeke kwisixa kunye nexesha lediphozithi. Iimali ezingadlulanga i-ruble ezingama-50,000, isantya esisigxina se-deposit is "On Demand".

Isingeniso esisasazekayo se-Intanethi kwimpilo yemihla ngemihla yabantu sashiye impembelelo kwezobudlelwane kunye neebhanki. Ibhanki ye-intanethi ayizuzisi nje kuphela ngexesha lokulondoloza. Igalelo elincomekayo kwiSberbank - umgca wedipozithi "kwi-intanethi". Xa kugqiba izivumelwano zokupaka "uPololnyay", "Trust" kwaye "Phatha" nge-index "online", inzala inokunyuka ngo-1% kwisilinganiso sokubuyisela.

Ingeniso enkulu kunazo zonke ezi ntlawulo zingatholakala xa kugqiba izivumelwano zithuba elingama-3 iminyaka. Ngaphambi kokuphelelwa kweli xesha, kunokwenzeka ukuba kunokwenziwa ngokukhawuleza okanye ukupheliswa ngokupheleleyo kwenzalo, nangona oku akunakuncedo. Ukuqinisekisa ukuba ukuphumelela kwediphozithi kubaluleke kakhulu, kungcono ukushiya iirhafu zenzalo zokufumana imali.

Abantu abadala, ngokungabikho mntu, baxabisa ukuthembeka kunye nedumela lebhanki. Inzala eyongeziweyo kwiimali ezihlawulwayo ihlawulwa nguSberbank. Igalelo elincomekayo kubaxhasi - "Gcina (umhlalaphantsi)", "Gcwalisa (ipension)". Zingabakho kwisixa-mali se-ruble 1000, zibonelela ngenkunzi yemali kunye nokuzaliswa kwe-akhawunti. Xa utshintshe ipenshoni kwi-akhawunti yePension Plus, inxaxheba ezuzayo kwi-Sberbank inikwe isantya sokwenyuka kwenyuka xa kuthelekiswa nediphozi eqhelekileyo. Abahlawuli bemihlala-phantsi bangahlawula imali yabo nangaliphi na ixesha, ngelixa befumana imali engenayo ye-3% ngonyaka.

Amanani omdla kwiBhanki yoSonga ayithembisi inzuzo enkulu. Iziphakamiso zokuphromotha ezivela kwezinye iibhanki zithembisa imiqathango emnandi kakhulu. Nangona kunjalo, ukuthembeka ngokupheleleyo kunye nezokhuseleko zemali ehlanganisiweyo yintloko. Yiyo kanye into uSberbank enikezela ngayo abatyalo-mali. Yiyiphi inxaxheba enenzuzo ngakumbi kumtyalo-mali othile, kuba kuye ukugqiba. Kubalulekile ukuba ungaphumeleli ekuphandeleni umdla wokukhawuleza kwaye ungalahlekelwa yindleko yakho.