"I-Pension-plus" - igalelo kwiBhanki yoSonga. Imiqathango kunye nomdla

ISberbank yenye yezona zikhulu zezemali eRashiya. Abathengi bakhe abagcini nje ngabasebenzi boshishino kunye nabantu ngabanye, kodwa nabo baseRashiya abaqhelekileyo abanomyinge wokufumana umvuzo. Nangona ubudala obuhle kakhulu, ngemigangatho yebhanki, le bhanki ayizange ilahlekelwe yinto eyaziwayo ngaphambili. Ngokuchasene noko. Isiseko sakhe somxhasi sizaliswa rhoqo ngabantu abatsha. Kwaye yonke into yokuba kuleziko lemali-mboleko kukho imveliso yezemali eyenzelwe iindidi ezahlukeneyo zeminyaka, kuquka nabemi basebekhulile. Ukususela kutshanje, kwakungenxa yabo inkqubo entsha yokupaka i-Pension-plus "yaveliswa. Igalelo kwiBhanki Yokusindisa kuyo inokufumana abantu abahlala umhlalaphantsi abahlangabezana nemigangatho ethile. Iinkcukacha ezongezelelweyo malunga nemigaqo yobhaliso kunye neempawu zenkqubo esiza kuchaza ngezantsi.

Inqaku lonke leprogram ngokucacileyo

"I-Pension-plus" - igalelo kwiBhanki yoSondlo, eyenzelwe abemi beminyaka yobudala. Kule meko, kufuneka ibhaliswe kwiNgxowa-mali yePensheni yeRussia Federation okanye intlangano engekho karhulumente kwaye ifumane uncedo olufanelekileyo lwezinto eziphathekayo.

Ndiyabulela kule nkqubo enomdla ebhanki abathengi bayo banokubakho kwiholo elingaphezulu kwenkxaso yabo. Kwaye oku kuninzi kuncedo olungundoqo, ngakumbi ekungabikho kwamanye emithombo yolwazi.

I-Sberbank: "I-pension-plus" idiphozithi, imigangatho kunye namaxabiso

Ukuba unomdla kulolu khetho lotyalo-mali, akusikho into engakumbi ukuba ufunde kabanzi malunga neemeko zenkqubo yokuqokelela. Ukukhupha idiphozithi enjalo kuphela iminyaka emithathu. Kwaye kungenziwa kuphela kwimali yesizwe. Ubuncinci besayizi yentlawulo buqala ukusuka ku-1 ruble.

Idiphozithi ibhekisela kwiifomethi ezizaliswe ngokutsha kunye nokwenzeka kokunyusa kunye neentengo. Kuquka ukuhoxiswa ngokukhawuleza kwemali kunye nobukho bomlinganiselo obuncinane obungenakubutha umlilo o-1 ruble. Ukufakwa kwemali kwidiphozithi kwenzeka rhoqo kwiinyanga ezintathu. Kuloo migaqo iSberbank isebenza ngayo. Ireyithi yeDistim Plus idiphozi kule meko ngu-3.5%, kwaye ingqalelo i-capital expenditure, yi-3.67% ngonyaka. Ngaphezu koko, inzala ingeniswa kwaye yongezwe kwisixa-mali esiyintloko. Kule meko, kuya kubakho ukwanda kwengeniso kwixesha elizayo lokunika ingxelo.

Yiyiphi inkunzi yemali?

Ukuxhaswa kwemali yediphozithi yintlawulo eyongezelelweyo yenzalo kwimali yokuqala yedizithi yakho. Le nkonzo inceda ukufumana ingeniso eyongezelelweyo yengeniso ngenxa yefomula yokubala yemithwalo enzima. Inomdla kwaye inenzuzo.

Ndiya kuphi kwaye ndingayifumana njani?

Ukuze uzalise igalelo lePension-plus "kwiSberbank, kufuneka uvakashele enye yeefisi ezikufutshane. Ukususela kumaxwebhu ofuna kuphela ipasipoti kunye nesitifiketi somhlalaphantsi. Ukongezelela, kuya kubakho kuphela ukubhalisa isivumelwano sebhanki kwaye ubeke ixabiso kwi-akhawunti yokuqokelela. Okanye unokufaka isicelo sokuthatha inxaxheba kwiprogram usebenzisa ama-terminals kunye nee-ATM zeziko lemboleko, kwakunye ne-intanethi ye-intanethi "Sberbank Online".

Unokubala njani inzuzo kwidiphozithi?

Ngaphambi kokufaka isicelo kwi-Sberbank ("Pension-plus" - idiphozithi, inzala ekuhlawulwa kuyo ngekota nganye), kufuneka wenze izibalo ezifanelekileyo kwiziko leziko lemali. Ingakumbi, kule njongo i-calculator ye-intanethi isebenza apha. Xa kungabikho ukufikelela okufanayo kwinethiwekhi, abameli bebhanki banokukunceda ukubala umvuzo kwidiphozithi.

Ukucaca, sinika umzekelo ngokubala. Ngoko ke, ukuba ubeka idiphozithi ngoDisemba 29, 2016 ngenani lama-ruble 1000, ngoko umhla wokuphela ngomhla kaDisemba 29, 2019, ohambelana neentsuku ezili-1096.

Ukuba kukho inkunzi yemali, akukho kukhishwa kwangaphambili kwemali kunye nokuzaliswa ngokutsha kwedipozithi, ingeniso yenyanga ngenyanga iya kuba ii-ruble ezingama-3.06. Kwixesha elipheleleyo lokubala, inzala yakho iya kulingana nama-ruble 110.31. Bonke kunye negalelo eliphambili liya kunikwa nguSberbank. Igalelo (ibhanki ye-piggy) "I-Pension-plus" ivumela ukufumana inzuzo, ubukhulu bonyuka ngokunyuka kwexabiso legalelo eliphambili.

Ziziphi iinkcukacha eziboniswe kwisivumelwano?

Ngaphambi kokuba wenze idiphozithi, umhlala phantsi kufuneka asayine isivumelwano somsebenzi. Kuyo, njengommiselo, le data ilandelayo ibonisiwe:

• Isixa semali ekhethiweyo;
• Imigaqo yediphozithi;
• Umhla wokuvala wediphozithi;
• Izinga lediphozithi;
• Isixa esincinci semali eyongezelelweyo ehlawulwa ngemali;
• Ukuphindaphinda kweminikelo eyongezelelweyo;
• Isixa semali eseleyo umlilo;
• Inkqubo yokubala umdla, njl njl

Kwakhona kule xwebhu ngaba iinkcukacha zokunxibelelana kunye neemfuno zamabini omabini, kwaye ngamanye amaxesha abantu abathembekileyo bomhlalaphantsi. Emva kokudibanisa idatha, bobabini ababambene nesivumelwano bawubhalise loxwebhu.

Ngaba kunokwenzeka ukuvula idiphozithi kubantu abaningana kwangoko?

Inkqubo "Pension-plus" (umnikelo kwi-Sberbank) ayivumeli ukuvula idiphozithi kubantu abaninzi. Kuvunyelwe ukukhupha igunya lommeli kwabanye abantu. Ngexesha elifanayo, umhlalaphantsi usengumnikazi oyintloko we-akhawunti. Nangona kunjalo, iiproxies zakhe zingakwazi ukufikelela kwimisebenzi ethile, umzekelo, ukufumana imali egameni lakhe. Kule meko, igunya legosa likhutshwa ngaphandle kwentlawulo ngqo kwi-bhanki. Inqubo ayifuni ukuba khona kwamandla omntu lowo umhlala phantsi athembela ukulawulwa kwedipozithi, kodwa ufuna ukuqinisekiswa okufunekayo ngumbhalisi.

Ngaba kukho naziphi na iingeniso zabathengi?

Ukuthatha inxaxheba kwiprogram "Pension-plus" iyenzeka ngokwemigaqo ekhethiweyo. Ngokukodwa, ukunyuka kwenzala kwidiphozithi kwinqanaba eliphezulu kakhulu. Ngeli xesha, eli phesenti alixhomekeke kwisixa-mali sokuqala sotyalo-mali.

Ukufumaneka kwendleko yokunyusa

Ukongezwa kwalolu hlobo lwendiphozi kuthathwa. Yenziwa ngokuzenzekelayo ngokuhambelana nemimiselo yesivumelwano se-deposit.

Ndiyichitha njani inzala engenayo?

Inzala eyongeziweyo kwidiphozithi yongezwa kwisixa-mali esiyinhloko yediphozithi. Kodwa ngokuya kuthi umxhasi angakwazi ukuwahoxisa ngokupheleleyo okanye nxalenye kwinali nayiphi na isebe lebhanki okanye ngoncedo lwenkonzo "iSberbank Online".