Iminikelo wolawulo ye-Savings Bank for ngabanye

Russian Savings Bank inika abantu isixa umxhelo lweenkqubo imali. Ukuvula i-akhawunti kunokuba zombini engange kunye lwemali amazwe. Uninzi iminikelo ebalwe kwi-euro okanye iidola US, kodwa kusenokwenzeka ukuba ukugcina yamaphepha azixhaphakanga - franc yen kunye iponti omhle. Kweli nqaku siza kuqwalasela iimeko babeka phambili iinkqubo imali Sberbank. iidipozithi lwemali kwamanye amazwe, nangona ipesenti lehlile umvuzo, sihlale ethandwayo phakathi kwabantu.

iintlobo yesibambiso

Savings soloko inika iinkonzo zayo labaxhasi elinokwenzeka ezininzi iidipozithi kunye amagama ezahlukeneyo. Oku kukuvumela ukuba uvule idipozithi -akhawunti seziqingatha ezahlukeneyo labemi, ukuze khetha inkqubo kakhulu eyamkelekileyo. Zonke iidiphozithi ezikhoyo lwemali amazwe zingahlulwa zibe ngamaqela amathathu:

1. Angxamisekileyo - ezahlukeneyo ixesha elifutshane wo yingisela. Idiphozithi kwavulwa ixesha elincinane ixesha (iinyanga ezi-3).
2. Long - kuthetha ukupheliswa ngemvumelwano ixesha elide. Capital ibekwe ukuya kwiminyaka-3, emva koko ukwandiswa kunokwenzeka yedipozithi.
3. Intanethi. Kuba ifunyanwe akuyomfuneko ukuya ebhankini, vele uye akhawunti online ngokusebenzisa i-Internet, uze uthumele isicelo ukuvula i idiphozithi.

inkqubo nganye eziliqela eziluncedo nezingeloncedo ukuba client ethile. Ukuze ukubeka capital bhetele kakhulu, kufuneka achaze ngokucacileyo iinjongo kunye neziphumo ezinqwenelekayo.

Ukuvula i-akhawunti

Wayithanda le ukubekwa kwimali kwiiyunithi amazwe emali, umthengi okunokwenzeka ufuna ingcaciso malunga inkqubo ukugqiba isivumelwano. Ziziphi izenzo kufuneka senze ukuvula imali imali? Sberbank ifuna amaxwebhu ubuncinane kunye nexesha: Kufuneka kuphela yokundwendwela esemthethweni okanye uxwebhu elingana. Inkqubo kuthatha ngaphantsi kweyure. Isixa-mali ubuncinane kwi-akhawunti kwekhontrakthi ukuvulwa inzala sedipozithi mayisayinwe ize ihlawulwe.

umthengi Bank Unga ngokukhawuleza kwaye kube lula ukuvula lwemali iidipozithi amazwe. Savings Bank inikeza online inkonzo kwenziwa ngalo iinkonzo zebhanki ezininzi. Ukufikelela kulo abanini of debit credit card akhawunti. Ukuthumela thina imibuzo kufuneka:

• ungene "Sberbank Online» inkqubo;
• khetha icandelo "Deposits";
• nqakraza kwi inkqubo idipozithi inzala;
• gcwalisa ifomu ukubonisa isixa isicelo, ixesha lesivumelwano kunye neenkcukacha ze-akhawunti kule mali iya kudluliselwa ukusuka apho;
• kabini-khangela amangenelo zakho uze uqinisekise isicelo nge-SMS.

LoSetyenziso zingalawulwa nge kwiKhabhinethi lobuqu. Emva kokuphela ubhaliso umxhasi unalo ilungelo lokuthatha naliphi na inyathelo ifumaneke kwinkqubo idipozithi.

Iimpawu neeNzuzo

Wolawulo iminikelo kwi-Savings Bank for ngabanye - oko mihla, kuzoku lula. Ubeka imali kwi-akhawunti idipozithi, umthengi unako ukusindisa nje kuphela, kodwa kwakhona ukufumana amabhaso kunye nokungazinzi izinga lenzala. Ezinye iinkqubo ziquka ukugqitywa kunye / okanye notsalo buso.

Kwemali idipozithi ivula umniniyo ezi mpawu zilandelayo:

• ukufumana ukhutshelo imali amanqaku amazwe;
• ukuguqulwa kwemali;
• Ukuthunyelwa kwamanye amazwe;
• Iinkonzo intlawulo;
• yemali;
• zeemali ze umdla.

Kuyinto elula ukuba athathe nawaphi na amanyathelo kwi idiphozithi ngoncedo iinkonzo online. Kwaye libonelela ukwandiswa oluzenzekelayo yesivumelwano ngokwemigaqo efanayo.

Isishwankathelo iimveliso deposit imali angaphandle

Kuba 2016, kukho iinkqubo 9 evumela ukuba aqokelele imali kwi-akhawunti ka PJSC "Sberbank". iidipozithi kwemali Foreign zivulwa kwiimeko ezahlukeneyo, kodwa malunga xesha - ukususela kwiinyanga ezi-3 ukuya kwiminyaka emi-3. Kukho iidipozithi ixesha kwithuba ubuncinane iintsuku ezingama-30. kwesantya senzala ukwandisa kunye nemali nakwikota sedipozithi, kodwa inzuzo enkulu lunokufumaneka kwinkqubo "Gcina".

Cinga itafile inkcazo emfutshane iidiphozithi ezinikezelwa yi PJSC "Sberbank of Russia":

Umvuzo ephezulu ezo iinkqubo aziboneleli ukuba umsebenzi yokuzisusa wemvula. Okukhona umthengi ukulawula ikomkhulu labo, inowuthi ipesenti.

iidipozithi Ixesha "igcina" yaye "International"

Imvumelwano kwezi nkqubo lisebenza ukusuka kwinyanga 1 ngaphandle ithuba wemvula okanye ukususwa. Igalelo liya kuba luncedo kwabo abathengi abanenjongo yokugcina nokwandisa isixa esithile-mali.

Nangona iidiphozithi iya kuvulwa ixesha ubuncinane, izinga lenzala iya kuba ephantsi (0.01%). Ngayo nayiphi na iminikelo lemali i-Savings Bank luphawulwa mthetho: mkhulu ixesha idipozithi, kokukhona umvuzo. Umzekelo, inkqubo "Gcina" iya kuba kwi le pesenti iphezulu ixesha intengiselwano iminyaka 1-3:

• akwiidola - 1.35;
• Euro - 0.3.

Idiphozithi "Gcina SHC @ dh" isantya kancinci eliphezulu: 1.6% ne-0.4%, ngokulandelelana. Ezinye iimeko ezifanayo kunye negalelo elifanayo.

Igalelo le "International" phantsi kwemiqathango yale nkqubo iyafana "Qhubekani." Kuphela lwemali kunye enzala ezahlukeneyo:

• e kweekhilogram ukusuka 0.05% ukuya 1,75%;
• e yen ukusuka 0,01% ukuya 0,55%;
• CHF - 0,01%, kungakhathaliseki ukuba ixesha kunye nemali.

Osemqoka yedipozithi yindlela accrual - ekupheleni kwexesha.

"Uyitshaje" yaye "Phatha"

Ezi nkqubo ube indawo obutofotofo ngakumbi abo zisetyenziswa ngendlela ukubekela bucala imali. akhawunti idipozithi ivulekile kwithuba leenyanga ezi-3 ukuya kwiminyaka emi-3. inzala Ubukhulu iidipozithi lwemali bezinye iintlanga Savings Bank ngokubhekisele euro, ngokulandelelana, zezi zilandelayo:

• "Recharge" - 1.1% ne-0.2%.
• "Recharge SHC @ dh" - 1.3% ne-0.3%.
• "Phatha" - 0.85% ne-0.05%.
• "Ukulawula SHC @ dh" - 1.1% ne-0.1%.

Phantsi kwento ukuze zeemali umdla kunye nentlawulo umvuzo kwi-akhawunti eyahlukileyo. Iidipozithi zibe lula kuloo ngxelo iilebhile (eziinkozo evela $ 100 / Euro Exchange - mda). KPercentage Udweliso lwenkqubo ukunceda 'ukulawula' kwaye ikuvumela ukuba ngokuyinxenye watsala imali ngaphandle ukuvala i-akhawunti.

Rates kwiidipozithi "Multicurrency" yaye "Savings Account"

Zombini iinkqubo ezikhethekileyo kunye umdla. Umzekelo, idiphozithi of "Multicurrency" kuvula kwiiyunithi emali ezintathu: engange, euro eerandi. Ngaphezu koko, umrhumo ubuncinane yi-5 kuphela abalinganiswa imali nganye. Le mvumelwano sisebenza ukusuka kwelinye ukuya kwiminyaka emibini kunye ithuba ukuvuselelwa ngokuzenzekelayo. Ngaphandle akhawunti wemvula: Exchange ngokungenammiselo, ngelixa ukuqaliswa imali - ukususela 100 euro / zeerandi kunye 1000 engange.

Eyona njongo ephambili yale idipozithi - ukufumana ingeniso evela nokunyuka kwemali. Umthengi uyakwazi ukuguqula inani mda amaxesha imali ngokwengqiqo yabo. Le ntlawulo iya kudluliselwa qho kwiinyanga ezi-3 seakhawunti eyongezelelekileyo kwavulwa PJSC "Savings Bank". iidipozithi kwemali Foreign akwiidola kuzisa uluhlu 0,01% kwi 0.9% ngonyaka. In izinga euro ngakumbi nemadlana - 0.01-0.05%.

Product "Savings Account" wadalwa ngenxa ulawulo simahla. Akukho mda malunga nokusebenza okanye isixa-mali iminikelo, iidiphozithi kunye notsalo. Ukongezelela, umxhasi ifumana ukusuka 0,01% ukuya 0.1% ngenyanga nganye ukusuka ixabiso imali eseleyo.

nolunye ulwazi

Abanini abanomdla iidiphozithi umba irhafu. Ngaba imali transfer ezongezelelweyo kunye IRS, kunye njengedipozithi of PJSC "Sberbank"? iminikelo emali ihlawuliswa kuphela xa izinga kwemivuzo-9% e zeedollar, euro okanye namanye amanqaku imali nangaphezulu. amaxabiso ezo akafumaneki ngayo nayiphi na iinkqubo zaphononongwa. Oku kuthetha ukuba umnini idipozithi angaweli phantsi kwemiqathango zobalo.

Umxhamli kwakhona unelungelo ukuvala ngaphambi kwexesha le iidiphozithi imali yelinye ilizwe. Sberbank akuthethi ukunyanzela inkqubo le izohlwayo okanye uthunywa. umnini Akhawunti ukususa ngokukhululekileyo yonke imali idipozithi kwaye ufumana imali ipesenti (idla sakugcina).

Savings Bank inika ezahlukeneyo iinkqubo umdla kwabo banqwenela ukugcina nokwandisa imali yakho. iidipozithi amazwe angafumana kuphela inzala qho ngenyanga, kodwa kwakhona ukuba iphumelele yokuguquguquka rate. Kakuhle imali, ungakwazi ukufumana imali entle. Eyona nto ibalulekileyo - funda ngenyameko yonke imigaqo ukhethe iidiphozithi afanelekileyo imali yelinye ilizwe. Sberbank uya kusincedisa.