Savings Isiqinisekiso Sberbank: inzala. iziqinisekiso umthwali Sberbank

Enye kwimimandla apho kunokwenzeka nokutyala imali eyintsalela - isiqinisekiso lokonga. Le isibambiso esiqinisekisa imbopheleleko ebhankini, ukuba ahlawule isixa esithile umntu ngokwasemzimbeni. Bayihombise abakulo naliphi na iziko lamatyala. Russian Sberbank iziqinisekiso imali, inzala kuyo ingaphezulu ezinye igalelo yombutho, ebezifunwa emarikeni. Njengoko e 17.11.2014, xa lokuhamba amawaka 26. YeeFom kunye nempahla iyonke engange 14.5 bhiliyoni. Oku kungenxa yezizathu ezininzi: ukhuseleko ibo ngokukhawuleza, oko idluliselwe abanye ukuba ibango intlawulo ngaphambi kwishedyuli. Kweli nqaku uza kufunda ngakumbi kwiimeko apho satifikethi sikhutshwa kunye izibheno Savings Bank (inzala, leyo uthembisa ukuhlawula umnini weziko, ixesha nemali yesibambiso nazo ziya kuthathelwa ingqalelo).

utyalo-mali

Abantu abane imali nanceba, ngaxa lithile esazibuza apho ukuba ifake. Ukutyala imali kwizabelo kufuna ulwazi oluthile. amatye anqabileyo azenzi ingeniso esisigxina. Ukunciphisa ubungozi, kusenokwenzeka ukuba imali kwizixhobo zemali yeziko enkulu yoluntu, nto leyo Savings Bank:

• iziqinisekiso, inzala apho bahlawulwa ngelona qondo liphezulu (10%);
• iidipozithi ukuba inshorensi igalelo hlobo, kodwa ukuzisa ingeniso ngaphantsi kakhulu.

Iimpawu isiqinisekiso

Ukhuseleko ebango ifumaneka kuphela engange Russian isithuba seenyanga ezi-3 ukuya ku-36. Ukwandisa ayikasebenzi, kufuneka akhuphe esinye isiqinisekiso Sberbank. Inzala ibalwa kwisixa ubuncinane 10 lamawaka. Thambisani. ngeqondo ezinzileyo. Inani izibambiso, ixesha turnover labo kunye nexabiso olutyunjwe Umtyalimali usenako ukufumanisa izinga kwisithuba lebanga. Umthengi unelungelo nangaliphi na ixesha angenise ukude kugqibelele ukukhululeka ngentlawulelo wesiqinisekiso Savings Bank. Inzala kulo mzekelo iya kuguqulelwa ngomlinganiselo "kwimfuno".

Kokuba zithengiswe, eshiya ilifa, isipho, isetyenziswa akananto okanye izibalo. Ukuba Kufuneka kwakhona isixa esikhulu semali kunye nexesha ukubaleka ebhankini apho, unako ukunika nje isiqinisekiso kwiqela lesithathu endaweni yemali. Okona kubalulekileyo, ixesha layo semthethweni iye alukapheli. Le inzuzo enkulu kule hlobo CB. Client Ungakhetha, kuba yimalini ufanele ukuvula idiphozithi "iziqinisekiso yokonga". Sberbank of Russia, kwezinye iimeko, iya ukuhlangabezana kunye umba iintlobo ezingaphezu echaziweyo. Le CBA sisixhobo enokuthenjwa ukugcina izixhobo, njengoko elithile eziliqela yokuzikhusela. Eyona nto ibhetele ukuthenga abantu abaza kwenza ukudlulisela imali eninzi, kodwa akufuni kulo msebenzi yaba irhafu eyaziwa. Kungenxa yoko le nto Ministry of Finance iceba ukucima esi sixhobo yemali emarikeni.

ukuthenga

kuphela yokundwendwela ukuba kube nokuhlawulwa kwentengiselwano. Xa yokhuseleko kufuneka igcwaliswe onke amasimi. Ukungabikho okubhaliweyo kwelinye iinkcukacha kwenza ayisebenzi xwebhu:

• igama "kweSatifikethi Savings Bank idiphozithi";
• wenzala ukusetyenziswa igalelo;
• ukukhupha isizathu;
• umhla wokubhalisa;
• ubukhulu ayidiphozithe (ngokwamanani kunye amagama);
• ukuzibophelela ngokungagungqiyo ibhanki ukubuyisela imali;
• umhla ebango;
• idilesi sekhadi yakhe;
• iisiginitsha iingcali arhente zemboleko ezimbini, ushicilelo balidibanise ngesteyipla.

iziqinisekiso Sberbank Russian, inzala, imiqathango yenkonzo

On 24/12/2014, umrhumo uhlawulwe kwezi izibambiso:

Nantsi imigaqo ungathenga Savings Bank of Russia Savings iziqinisekiso. Inzala ihlawulwa ngexesha lokuvuthwa. Yathi kwifomu ukuba iirhafu ibhalwe ngaphezulu kwi iidipozithi. It ngokwenene. Certificate in mali ka-100 lamawaka. Thambisani., Yiyiphi ziya kuziswa lokuvuthwa ngeentsuku 367, uya kubazisela ingeniso ye 12.25% yale mali sedipozithi, okt. E. 12 557.53 engange. Idiphozithi "Save" phantsi efanayo imiqathango elungiselelwe umyinge wenzala yi 8,25%. Leyo inzuzo 8 647.12 engange. Kufuneka kuqatshelwe ukuba isivuno phezu izibambiso ngokweemali 10-50 ths. Thambisani. ukya ekupheleni nya. Ngoko kuba kukulungele kanye ukuba bathenge ukhuseleko enye ukuya sixa sikhulu.

Ukuba isatifikethi imali ngaphambi kwexesha intlawulelo Sberbank, inzala iya kuhlawulwa zinga 0,01%. Central Bank unakho ngalo naliphi na ixesha kudluliselwa kwiqela lesithathu. Ukulungisa oko kumaxwebhu Akuyomfuneko ukuba. Kodwa lo msebenzi kunokwenzeka kuphela kwisithuba yedipozithi.

ezinye iinketho

Ukongezelela Sberbank, isiqinisekiso eRashiya zingathengwa kwamanye amaziko. Kodwa ke amazinga kunye nokufumaneka kweenkonzo lunokwahluka ngokwengingqi. "TCB" esilungisa imveliso uku-odola, iifom savela eMoscow iintsuku 2-3. Ukuba umxhasi ufuna ukulinda, unako utyalo-mali ka-10 amawaka. Thambisani. isithuba seenyanga ezi-3 ukuya kwiminyaka emi-2 ngaphantsi 9-11,5% ngonyaka. Kwezinye imibutho, iziqinisekiso kuthiwa VIP-line, yaye "umbundu" kubo liphezulu kakhulu. Ngoko, kwi "IBA-Moscow" idipozithi mali iqala ukususela kwizigidi 0.5 engange, kwaye "Bank of eMoscow" - million 3.5 engange. Ukusekwa kwe bamasebe zoluntu kutyalwa ne-200 lamawaka. Thambisani.

iintlobo

Kukho kwakhona iziqinisekiso zobuntu. Bona ziqulathe ulwazi malunga umnini. Ukutshintshwa Central Bank esebenzisa umsebenzi - ukunikezelwa. Le fomu ilungiselelwe kule intsimi okhethekileyo ngasemva. Ukuba isatifikethi idluliswa izihlandlo eziliqela, yaye enye 'iinxalenye "uwe, uxwebhu uba ayisebenzi.

buhle

Abasakwazi kakhulu:

• izivuno eziphezulu;
• iphakheji isezantsi yamaxwebhu ubhaliso;
• Ukuhamba: Le mveliso unako cashed ngaphandle okanye unikezele nangaliphi na ixesha;
• ukudluliselwa amalungelo ikhutshwa phandle unikezelo nje ifomu kumntu wesithathu;
• Unakho kwenziwa intlawulo ngayo nayiphi na emzini Russian Federation;
• lokuhlawula kufuneka uqhagamshelane isebe ipasipoti isatifiketi;
• unako kwakhona ngokusebenzisa iinkundla xa kuthe nokuncipha yebhanki ngayo amalungelo emalini.

bendlela

Eyona engundoqo lobubi "isiqinisekiso yokonga 'Product Savings Bank:

• Inzala kunye ingozi eliphezulu kakhulu. Ezi Bank Central akuthethi inxaxheba kwinkqubo inshorensi idipozithi. Ezo pesenti, apho ibhanki iya kuhlawula YOSUKU, yena ubuyela client. Ngoko ke, xa kwimeko yimali ye umnikeli okanye ukurhoxiswa bantu mvume akayi kuba nako ukufumana imali emfono ukusuka izibambiso ezinjalo;
• xa zokulahleka i-Central Bank hayi umntu wesithathu wesiqhelo unokuzisa ukuba intlawulo kwi-Savings Bank;
• Iziqinisekiso (iipesenti ubalwa a yokubala elula) musa ukunika capitalisation;
• Paper akukho kubuyekezwa onke amasebe yeziko ngetyala;
• phezu izinga ntetho kwangethuba lancitshiswa 0,01% ngamnye ngonyaka;
• ukwandisa wihi wa Central Bank akakwazi.

ezinye izibalo

NgoFebruwari 2015, izinga eliphezulu avareji kwisiqinisekiso kwaba 13.28%. Ngokutsho Central Bank, isalathisi okufanayo iidipozithi kufutshane uphawu kwi 13,85%. Oku ingaphezulu irhafu avareji wesiqhelo Central Bank (12.92%), kodwa ngaphantsi zakhe iziqinisekiso (15.71%). Izinga eliphezulu le mveliso 18% ( "FiaBank") kunye 16.5-17% (UBRD).

Inshorensi Kusengenzeka

Ngenxa umtsalane yokwanda wenkonzo wanikela YOSUKU zebhanki uluntu ingqalelo ukhetho lokunika zizatifikethi isixa engange-3 million. amaziko Credit kufuneka amatyala ixesha elide. Imithombo nokudaleka abe eqinisekise. Ngokutsho ACB, kule minyaka mi-5 idlulileyo baseRashiya abaye imali kwi-Bank of 1.4 ezigidi engange. Yintoni lulandelayo kwesi sigqibo? Ukuba sicinga ukuba ixesha avareji ingeniso yaba kweminyaka emi-3, amathuba izatifikethi ezisetyenzisiweyo njengemithombo zamatyala ixesha elide iphezulu kakhulu.

isishwankathelo

Izimali ezikhoyo, abantu angakwazi ukulungisa kubo kwizixhobo zemali. Umzekelo, i-Savings Bank elikhupha iziqinisekiso bearer, inzala kuyo ngaphezulu kwezinye iidipozithi. a ipaspoti kuphela iyafuneka yingisela. ifomu inkcaza kubhetele ukuhlawula ekupheleni kwexesha layo, okanye izinga lenzala yehle ukuya 0,01% ngamnye ngonyaka, nto leyo disadvantageous kakhulu. Inqanaba eliphezulu nenzuzo kungenxa yokuba intlawulo-mali abanjalo liqinisekisiwe yi-Arhente Insurance idiphozithi. Ngoko ke, ibhanki uhlawula umthengi umvuzo ephakamileyo.