Indlela yokwenza imaphu ye-Savings Bank? Inkqubo yobhaliso kunye neentlobo amakhadi

Awazi ukuba wenze njani imaphu ye-Savings Bank, kodwa kudala bayaphupha abe umxhasi ngaseludinini phambili kweli lizwe? Akukho nto kulula ukuba beze kwi-ofisi, ukuthatha sethi isezantsi yamaxwebhu. Ingaba kuyimfuneko ukuba ixesha kungokunivela, kodwa hayi ngaphezulu kwe kangangesiqingatha seyure.

Sberbank ikhadi inikeza kubathengi rhoqo entsha

I-Bank inika abathengi uluhlu olupheleleyo iimveliso ikhadi ezikhoyo emarikeni kwiinkonzo zemali: debit, ityala, ezentlalo, isipho, electronic and virtual. Abathengi kufuneka ukwazi ukwenza njani imaphu ye-Savings Bank.

Ngoko ke, ngokuba umhombiso nayiphi na imveliso logcino engaba umthengi kufuneka sazaliseka njani kwiminyaka engama-14 (ngokuba amakhadi amaninzi - eyi-18). Kakade ke, ibhanki iya kukwazi ukunikela imveliso kuphela ummi Russian lowo abhaliswe ngokusisigxina sikarhulumente.

Indlela yokwenza ikhadi lamatyala Savings Bank?

amakhadi Credit kwavela kwimarike neebhanki iminyaka engaphezu kwama-10 eyadlulayo. Ekuqaleni, amakhadi zeentengo zemboleko zikhutshwa ikakhulu ngokunxulumene payroll. Ngokobalo manani ngaphezu kwesiqingatha neeklayenti zabo wala yobhaliso kuba imveliso ayikho into enje. Ngokuthe ngcembe, abathengi sahlaziya zonke izibonelelo zokusetyenziswa amakhadi ngetyala Sberbank. Iminyaka emininzi, ukukhupha ikhadi ukufumana imali-mboleko (credit), kwaye ngabathengi musa kufumana umvuzo ngenxa ebhankini. Ukuze ngumthengi lawo asondezwayo amakhadi yeklasi ezahlukeneyo: Classic, nangephanyazo kunye negolide. Qaphela ukuba ubhaliso eyona bank ikhadi lamatyala lubeka iimfuneko ezizodwa:

- iminyaka Ubuncinane umxhasi - 21 ngonyaka (ibhanki lingenako ukukhupha umntu ikhadi lamatyala oneminyaka engama-65);

- izigulana ezo kufuneka kuthatha iinyanga ezintandathu abe imisebenzi esesikweni.

Ikhadi ikhutshwa ngoko nangoko. umda kunokwenzeka inokuba kuba ngaphezu kwe-120 lamawaka engange. Kholwani ndim, olu khetho olukhulu.

Ukwenza ikhadi lamatyala zakudala okanye igolide, umthengi kufuneka unikezele ubungqina olongezelelweyo bokuzazisa nengqesho:

- passport zehambo phesheya okanye ID umkhosi;

- ikopi yerekhodi yengqesho, ezingqinisisiweyo ngendlela emiselwe ngumthetho;

- imivuzo ingxelo ebonisa ulwazi ngqo malunga nkampani.

Inkqubo ophambili yentlawulo ikhadi ngamazwe umxhasi ziya kufumana kwisithuba seeveki ezimbini. ukusekwa kunokwenzeka kwe umda ngetyala ukuya ku-600 lamawaka engange, kwaye umyinge wenzala uya kuba ngaphezu 25.9% ngonyaka ngamnye.

ikhadi debit Savings Bank

LwaseNtshona Koloni ziba kwikhadi debit yebhanki nangoku sibanzi ngetyala. Oku iphenjelelwa yimiba ezininzi. Okokuqala, zenziwe kubaxumi abaminyaka yobudala eyi-14. abathengi zolutsha abanalo ukufikelela kwizibonelelo ngetyala, kodwa abe nethuba elihle ukugcina imali yakho kwimephu njengebhanki ethembekileyo.

Indlela yokwenza ikhadi debit Savings Bank? thatha nje yakho yokundwendwela, eze ebhankini, jonga ingcali iprofayili. Leengcebiso liya kuqhuba umxhasi uzalise amaphepha kwaye ikhuphe isivumelwano malunga nomba ikhadi.

Operator kufuneka ukukuxelela indlela yokwenza imaphu ye-Savings Bank (debit, ngetyala). Eyona umdla kwaye ethandwa ukhetho - ikhadi debit zakudala. Liyinyaniso elokuba, abantu abaselula kwilizwe lethu akayi kuba nako ukukhupha eli khadi, kodwa ... Le ikhadi yamkelwe zonke ATM eRashiya nakwamanye amazwe. Kuvumelekile iminyaka emithathu. Amava abonisa ukuba abasebenzisi iphambili le mveliso abathengi yebhanki "lomvuzo". Bamakhadi ziye priviligei ukuba kufuneka usebenzise:

- nokukhutshwa imali-ATM ehlabathini lonke ityala efanayo;

- amakhadi inkulu inkqubo yentlawulo zinika ngezaphulelo kwiinkonzo;

- ithuba yokukhupha amakhadi ezongezelelweyo (nezihlobo kuba nako ukudubula ngolwazi lwakho, ukuba babeke phantsi imali kwi-akhawunti).

Ukufumana iholo nge Sberbank

Imivuzo nge ibhanka ukufumana abaxhasi kuphela ebalekayo amashishini eziye isivumelwano ne Sberbank. Nguwe kanye phezu iiprojekthi payroll. Indlela yokwenza ikhadi yemivuzo i-Savings Bank? Masithi umxhasi uye wafumana umsebenzi. Ukwenza isebe abasebenzi sele sigqityiwe, ngoku phezu komyalelo yokubala kunye nentlawulo yemivuzo. An zimali inganikeza amanye amaziko zebhanki ukunika iinketho intlawulo. Umqeshwa kufuneka ukhethe ibhanki ilungileyo ngokwabo. Yintoni kuba yokukhetha?

- umntu sele ubambisene elunxwemeni;

- feedback on the eziqhelekileyo.

Masithi umxhasi unyule Sberbank. Sokubhalisa ikhadi imivuzo kufuneka uqhagamshelane ebhankini, nto leyo tiendlekela kwishishini, kunye iphakheji eziyimfuneko zamaxwebhu. Ikhadi ikhutshwa kule program yaye yanikwa umxhasi malunga ezimbini neeveki. Iinkcukacha-manani zibonisa ukuba abathengi qho-zarplatniki libhale ikhadi debit zakudala.

ikhadi Sberbank Virtual

Izibalo nge Internet namhlanje kuqhelekile kakhulu. Nangona kwiminyaka 10-15 eyadlulayo, bambalwa na ngokwanda ithuba maziko. Yintoni ekufuneka sisebenze ngayo iibhanki Internet? Ayikho into ekhethekileyo. Singaxelela indlela yokwenza imaphu virtual ye-Savings Bank. Jonga le mephu kuphela abathengi kwenene ebhankini, nto leyo eye sele ngempumelelo usebenzisa iimveliso zayo. Sikhethekileyo le mveliso amanga neqiniso ezichukumisa ngokoqobo ikhadi akathandi kusebenza, njengoko ibizwa ngokuba - yenyani. Indlela yokwenza imaphu ye-Savings Bank? Uyakwazi belinqula inani kumgca ngaseludinini eshushu. Operator iya kwazisa ngumthengi kude ikhadi amanani amivo mi-16 no-2 khowudi. Kakade ke, ungaqhagamshelana isebe lebhanki, nto leyo uhlale ukunceda abathengi.

isiphelo

Phantse bonke abantu abasebenzayo, kwakunye ipesenti enkulu umhlala namhlanje basebenzisa yeplastiki amakhadi ebhanki. Sberbank inika ezahlukeneyo ezininzi kusilungele, iimveliso khadi, kufuneka usebenzise - oku ngetyala, debit, kunye namakhadi bade yenyani.