Igalelo "Gcina" (Savings Bank): Inzala kunye nemiqathango. Yintoni umyinge wenzala womnikelo pension "Hlala 'e Sberbank of Russia?

Sberbank of Russia kunyaka ophelileyo iye wavula ezininzi iinkqubo idipozithi, nganye enomtsalane ngendlela yaso. Nayiphi siphakamiso senzelwe udidi oluthile lwabantu. A isixa esikhulu ingqalelo sele ihlawulwe kuphuhliso yesibambiso kwenxaxheba iinkqubo umhlala phantsi. Ngoku ziyafumaneka kwi iimeko nenzuzo ubambiswano. Phakathi imveliso egqwesileyo kwe ebhankini kubalulekile ukuphawula kwigalelo "igcina". Sberbank ewunikela ekwiimo eziliqela.

Yintoni yinxalenye yeprogram "igcina"?

I 'Gcina' evela ebhankini inkulu Russian ikakhulu ilungiselelwe abantu aceba ukuqokelela imali ukuthenga enkulu. Accrual kwenzala kwisixa efakwe kwemali kwenzeka phezu scheme ezintsonkothileyo. Ukuba umnini alisusi igalelo kwentlawulo, zona zihlonyelwa kwimali kwinqununu sedipozithi, yaye emva koko uya kuhlawuliswa kanye imali yedipozithi kunye nenzala. Njengenkunzi ikuvumela ukuba ufumane uncedo lukhulu yobambiswano ne-bank. Ngoku kube lula nje kuphela ukugcina imali yabo, kodwa kwandisa kakhulu kubo. Igalelo "igcina" Savings Bank unika kwabo kwizigulana enzulu malunga uceba ikamva nomlondolozi elizayo.

Imiqathango ngokubanzi igalelo

Le program ilungiselelwe ixesha kwinyanga 1 ukuya kwiminyaka emithathu. Ubuncinane Intsebenziswano elide ngenxa yokuba i-accrual kwenzala qho ngenyanga. Igalelo "igcina" Savings Bank inikeza ukuvula kwenye ngeemali ezintathu: US dollar, euro engange. Kuxhomekeka lwemali kunye nobude bexesha bambiswano luza kukhethwa izinga lenzala. Iimeko "igcina" igalelo kwi-Savings Bank ezingachazwanga ukuba kungenzeka wemvula. Nhoza Partial alukho. Ubuncinane mali sedipozithi kuxhomekeke lwemali. On engange akhawunti kufuneka ukubeka iiyunithi emali ubuncinane 1000 ukuya idola kunye Euro - ukusuka $ 100 no 100 euro ngokulandelelana. Zesixa mali ezinokuthi zibekwe kwi-akhawunti ayikho. Qondo liphezulu sedipozithi ifumaneka nokuba umhlala phantsi okanye ngabantu abo babeka phezu kwingxelo mali ngaphezu kwezigidi ezi-2 engange, okanye 100 lamawaka eerandi, 100 amawaka euro kwithuba leminyaka emi-3.

Yintoni igalelo pesenti?

Igalelo "igcina" Savings wenza nezimo kakhulu. Umlinganiselo wenzala kwi idipozithi iya kuyilwa kuxhomekeke kwizinto ezininzi: lwemali le-akhawunti, ubude yentsebenziswano, isixa-mali negalelo akhawunti. Ireyithi lincinane esibizwa akhawunti 7.2%. Ubuninzi - 10,29%. akhawunti Dollar agcinwe ngereyithi eyi-0.75% ukuya 3,98%. Evroscheta ziyafumaneka kwi izinga 0.75% kunye 3.88%. umthengi nganye yeziko mali ukhetha kakhulu elula sikim Partnership ngaye. nenzala yayo zingadityaniswa kwi inxalenye engundoqo sedipozithi okanye yemali gumbi. Iintlawulo Translation Ukuvunyelwa kwikhadi bank.

"Kusindisa 'umhlala

Savings deposit "Gcina 'umhlala ibonelela ngemiqathango ezikhethekileyo, engcono. yobudala nganye umhlala client, nokuba le mali sedipozithi, wamkela izinga eliphezulu ezilungiselelwe ixesha ubambiswano ngalinye. Kuyo nayiphi na imeko, isixa umdla ethe iya kuba ingqinelane ukuba abagcinisa abulawe, abaye benza esisibambiso imali engange zigidi ezi-2, ukusuka 100 amawaka eerandi okanye euro. Ukuba umxhamli ngaseludinini kwixesha esebenzayo yesivumelwano idipozithi uya kufika kwiminyaka yomhlalaphantsi, baya kufundiswa iimeko ngentsebenziswano preferential ukuba abadla umhlala phantsi.

Indlela ukuvula idiphozithi?

iminikelo Pension ukuba "balondoloze" i-Savings Bank of Russia zingafunyanwa kulo naliphi na isebe lemfundo zemali. Yanele ukuba ukunika yokundwendwela umsebenzi yasebhankini okanye naluphi na olunye uxwebhu kunye photo, nto leyo ukuqinisekisa ukuba ungubani client. Abantu abo abahlali weli lizwe, kodwa kwi esandleni unemvume esemthethweni ukuba uhlale kuyo, okanye iphepha-mvume lokuhlala, kwanele ukuba unikeze ikhadi lokuzazisa okanye ikhadi yokufuduka. Ukuba uceba ukuvula idipozithi egameni kwisizalwane esisondeleyo, kuya kufuneka amaxwebhu ukuba akwazi ukuqinisekisa isibakala phakathi kweentsapho. amaxwebhu ezongezelelweyo esemthethweni akuyomfuneko ukuba lokuvula idipozithi nge i-ATM, indlela yesiphelo okanye kwi-intanethi ngokusebenzisa "Sberbank Online". Kule meko, kufuneka ibe umthengi esemthethweni leziko zemali. Xa uvula i-akhawunti kwi-ofisi, emva nokubhaliswa kwesivumelwano, kodwa ngaphambi kokusayina, kufuneka afake imali kwi-akhawunti ngayo nayiphi na indlela.

Ivula idiphozithi online: isinikezelo nenzuzo

Sberbank igalelo Russian "igcina" linikeza uvule nje kuphela kwi-ofisi kodwa ekhaya, nge "Sberbank Online". Abaxhamla kule fomati contract yoyilo - ipesenti ephezulu kuloo dipozithi yakho. Ngoxa kugcinwa iimeko iidiphozithi ngentsebenziswano engange iya kugcinwa ngesantya 7.5 ukuya 11,34%. akhawunti Dollar iya kuvulwa malunga nomlinganiselo we-1 ukuya 4.24%. akhawunti Euro ziza kunikezelwa ngomlinganiselo we-1 ukuya 4.14%. Zonke iinzuzo ezifumanekayo umhlala-phantsi, kuba ubhaliso ekude igalelo kuhlala. Imali kwi-akhawunti idluliselwe kwiziko ikhadi lamatyala Sberbank. Igalelo ukuba "balondoloze", nto leyo yatsala umdla yentsebenziswano, ihlala enye imveliso egqwesileyo ukulondoloza kunye nokwanda kwemali inxaxheba kurhwebo lwasemakhaya.

Early kokupheliswa kwesivumelwano kwimigomo ukwandiswa yayo

Ukuba umxhamli ibhanki ugqiba lokuphelisa isivumelwano yobuhlakani, xa kuqwalaselwa le meko iya kukha ingqalelo ixesha apho oko ekuqaleni wayecebe negalelo imali. Ukuba intsebenziswano ecwangcisiweyo yaye ngokusesikweni iinyanga ukuya ku-6, zonke ekuthini inzala ukususela kumhla wokutyikitywa amaxwebhu phambi kokupheliswa bambiswano luza kuhlawulwa, kodwa ngesantya idiphozithi "kwimfuno". Ukuba umthengi ibeke indlela isithuba seenyanga ezi-6 okanye nangaphezulu, inzala ehlawulwa ndimaphule bambiswano luza athobele izinga langoku ka 2/3. Kuyo nayiphi na imeko, ukupheliswa kwesivumelwano kunye ebhankini ebizwa ngokuba yingxaki yingenelo.

Ukuba umxhasi ekupheleni yentsebenziswano alisusi imali yabo, intsebenziswano kuqhubeka ngokuzenzekelayo. ngokoMthetho egcinwe apho umxhasi okokuqala babeka imali yabo, kodwa izinga lisenokuthi litshintshwe, ukuba ngelo xesha iminikelo roller iimeko ezintsha ubambiswano. Ukuba kukho umnqweno ukuqhubeka intsebenziswano kunye neziko zemali ukunika ingxelo ayikho imfuneko. Izithintelo kule nkalo inani nha yegalelo ayinikezi Sberbank. "Qhubeka 'umnikelo ngenxa umhlalaphansi sandisiwe okanye ezinokuyekwa phantsi kweemeko ezifanayo. Ukuba umntu phantsi kweemeko ezithile na ixesha ukususa igalelo phambi ukwandiswa nkqubo, kuyimfuneko ukuba abhalise kokupheliswa kwesivumelwano ngoxolo jikelele.

Izinto eziluncedo "igcina" igalelo nentsebenziswano kunye Sberbank

Ukuqwalasela igalelo yemarike mali yangaphakathi, singathetha malunga isibheno ekhethekileyo iinkqubo ezifundiswa liSebe Savings Bank of Russia. Igalelo "Hlalani", inzala apho omnye kunawo emarikeni, yimveliso entsha apha naphaya ukulungiselela iimfuno zale mihla zabantu. Kusenokuba kuqatshelwe icebo bhetyebhetye ubambiswano kunye dipozithi kancinane ekuqaleni, nto leyo yenza isindululo ifumaneke uninzi lwabemi Russian. iimeko Preferential umhlala kungandisa eyinkunzi. indlela ngamnye ngasinye kunye nethuba lokuba wonge imali nje kuphela engange, kodwa zeerandi okanye kowethu - luhlobo ithuba umahluko iingozi. Lula intsebenziswano inika ithuba ukuvula idipozithi nangaliphi na ixesha-intanethi. Ukongeza ukuba Sberbank unawo ubume iibhanki inokuthenjwa Russian.