Igalelo elincomekayo: "I-Gazprombank"

Yonke iRashiya ubuncinane xa ivile ngeGazprombank. Ngenye yeyona mibutho ehloniphekileyo yezemali eRashiya. Ibhanki ithatha indawo yesithathu kwinqanaba lama-600 amashishini akhoyo namhlanje. Isixa sempahla yaso si malunga ne-5.27 trillion ruble. Yaye le mali isoloko izaliswa - rhoqo xa umntu evula idiphozithi. "I-Gazprombank" inikeza iintlawulo ezifanelekileyo kunye nezimo ezintle. Nangona kunjalo, banokuxelwa ngokubanzi.

Igalelo "Umbono"

Into yokuqala efunekayo ukuyiqwalasela isiphakamiso. Umyinge ophezulu unomdla lulandelayo: 8% kwiiruble, i-1.2% kwiidola kunye ne-0.1% nge-euro. Ixesha, apho kunokwenzeka khona ukutshala imali kwi-"Prospective", isiphakamiso seminyaka emithathu nenye imini.

Inani elincinci li-ruble eziyi-15 000 (i-500 dollar okanye i-euro eziyi-500). Idipozithi ayifakwanga kwaye ukuhoxiswa ngokukhawuleza akufumaneki. Yonke imali, kunye nomdla oqokelelweyo, umthengi ufumana emva kokuphela kwekota. Ukongezelela okunokwenzeka, ngendlela.

Inzala yemali iyahluka, kuxhomekeke kwisixa esityalomali kunye nexesha elakhutshwa ngalo. I-8% eyaziwa ngokugqithisileyo isungulwe kwimeko apho umntu evula i-akhawunti ye-1 000 000 ruble (okanye ngaphezulu) kunye neentsuku ezingama-181. Ekupheleni kwesi sihlandlo, uya kufumana izigidi zakhe ezityalisiweyo kunye ne-40,000 engaphantsi kwe-40,000 njengeentlawulo zenzalo.

"Ukuqokelela"

Ukuqwalaselwa kuyafaneleka ukuphawula eli galelo. I-Gazprombank inikezela le miqathango ilandelayo: i-7.8% yentlawulo ye-akhawunti ye-ruble, i-1.1% ye-dollar kunye ne-0.08% ye-euro. Ixesha elide liyi-1097 iintsuku. Ixabiso elincinci lifana nelixa lenkxaso ekhankanywe ngaphambili. Ukusuka kwi-pros - kunokwenzeka ukuzalisa idipozithi, ngokumalunga neyiphi intlawulo ephantsi. Kodwa, njengokuba kukho ukubonisa, umthengi ufumana inzuzo engaphezulu.

Kufuneka ukuba uqaphele ukuba inani lezongezo (ukongezwa kwediphozithi) alukhawulelwanga, kunye nexabiso lemali eyongeziweyo kwi-akhawunti. Ngendlela, kule meko, ukubizwa ngokubaluleka komsebenzi kusebenza. Le nzuzo "inzuzo," eqinisweni, yandisa inani lediphozithi. Kwaye inzala, ngendlela, ingafakwa kwi-akhawunti, eyenzelwe ukubala. Into ephambili kukuba leli khadi kufuneka livulwe kwi-deposit currency kwaye kwisebe elifanayo leGazprombank.

"Dynamic"

Ngoku-amagama ambalwa kunye nalo mnikelo. "I-Gazprombank" yenza ukuba abathengi bayo banikezele ngeentlobo ezahlukeneyo, kwaye ixabiso elithi "Dynamic" lithandwa kakhulu. Iirhafu zilandelayo: 7.7% (i-ruble), i-1% (iidola), i-0.05% (i-euro). Kukho imihla emininzi. Ubuncinane buyiintsuku ezingama-91. Ubuninzi beminyaka engama-3 kunye nosuku olu-1. Kwezinto ezintle, sinokuqaphela ukuphunyezwa kokuzaliswa kwegalelo kunye nokuhoxiswa ngokukhawuleza. Nangona kunjalo, kukho imiba emininzi.

Okokuqala, inkcitho yenkcitho ingaqhutyelwa kuphela kwimida yemali umntu ahlawulwa ngayo kwi-akhawunti ekuqaleni. Oko kukuthi, ukuba wenza igalelo lama-ruble angama-250 000, uvumelekile ukuba asebenzise kuphela. Ukongeza kwimisebenzi yokuchitha imali, umntu unokurhoxisa imali kwiakhawunti yakhe okanye ayithumele kwenye i-akhawunti, kodwa kuphela kufuneka avulekwe kwenye yezabelo iGazprombank. Iifosti zolu hlobo zithandwa kakhulu, kuba zinika inkululeko efanelekileyo yokwenza.

IRentier

Omnye umnikelo onomdla. "I-Gazprombank" ayinalo inzala kakhulu, xa kuthelekiswa namanani angentla (ingakumbi yokuqala). 6.5% ngonyaka kwi-akhawunti ye-ruble, i-0.65% yee-akhawunti zeedola, kunye ne-0.04% kuphela ye-euro. Ixesha elide liyiminyaka emi-3 kunye nosuku olu-1. Ixabiso elincinci lifana nelo lonke iirhafu. Ziziphi iingenelo? Emva koko, ukuzaliswa kwegalelo akunakwenzeka, kunye nokuhoxiswa ngokukodwa. Kodwa inzala ihlawulwa ekupheleni kwenyanga nganye.

Kodwa oku akusiyo yonke into eyenziwa yiGazprombank. Iminikelo yonke ihluke, kodwa kukho enye enye-yokugqibela komgangatho. Kwaye wabiza ngokuthi "Ngesidingo". Ireyithi kuphela 0.01% (kungakhathaliseki ukuba yiyiphi idibansi ivuliwe nge-akhawunti). Kodwa, nangona kunjalo, uyathandwa ngenxa yokuqeshwa kwakhe. Emva koko, yenzelwe ukufumana nokuqhuba iintlawulo ngabemi. Ixesha lediphozithi, njengexabiso eliphezulu / elincinci, alinamkhawulo.

"Ukulondoloza nokukhusela"

Njengoko umntu unokuqonda, iirhafu ezininzi zinikezwa yiGazprombank. Iifosti zabantu ngabanye bohlobo oluqhelekileyo zibhalwe ngasentla, ngoku ungathetha ngeengcebiso "ezizodwa".

Ngoko, "Ugcino kunye nokukhuselwa" ngumrhumo, iintlawulo ezenziwe kwintlawulo ye-9.5% ngonyaka. Idiphozithi ingavulelwa iintsuku ezingama-367, kodwa inani elincinci le-deposit li-ruble 50,000. Awukwazi ukuwuzalisa, kwakunye nokurhoxiswa kwemali. Le ngenye yezibonelelo ezinenzuzo kakhulu ezenziwe kuphela yiGazprombank. Iifosti zabantu ngabanye balolu hlobo ziyakwamkelwa kwisakhelo semveliso enzima ebonelela ngokusayinwa kwekhontrakthi, kunye nokucwangciswa kunye nokuhlawulwa kokulandelelana komgaqo-nkqubo we-inshurensi (okanye utsalo-mali-mali) kwenye yezo nkampani ezinxulumene ne-GPB.

Kukho esinye isiphakamiso esifanayo. Umrhumo ubizwa ngokuba ngu-"Investment Income". Ireyithi yi-9.4%, imimiselo neemeko ziyafana. Isixa esincinci se-deposit singama-ruble amawaka ayi-25. Kule meko, isivumelwano siyakusayina emva kokuba umthengi uthumele i-GPB umyalelo ovumela ukuhlawulwa kweenqununu zeFund zikhutshwe ngosuku olufanayo nakwiSebe elibhankini elifanayo.

"Pension"

Le yile ntlawulo yokugqibela iGazprombank inikezela ngabanye. Inzala malunga neentlawulo zolu hlobo ngu-7%. Ithuba lokutyalomali elona likhulu liintsuku ezingama-550. Kwaye inani elincinci li-ruble 100 kuphela. Omnye akakwaziyo kodwa uvuyo lokuba umnikelo ungazaliswa. Kodwa ukususwa ngokukhawuleza akunakwenzeka.

Kukho, nangona kunjalo, udidi olulodwa. Eli galelo lamukelwa kuphela kubahlali baseRussia Federation abafumana iintlawulo zabo ezifanelwe ngokufanelekileyo kwisikhwama somhlala-phantsi esingekho karhulumente esibizwa ngokuba yiGAZFOND. Kwaye, ngokufanelekileyo, ukuba nekhadi efunyenwe kwi-GPB kwisakhelo sesivumelwano esenziwe phakathi kweBhanki kunye neNgxowa-mali.

Iimeko ezihle kakhulu. Ukuba uvula i-akhawunti yama-ruble angama-500 000, emva kokuphela kwexesha lonyaka, inzuzo iya kuba ngama-ruble angama-35 000.

Ngokubanzi, njengoko ubona, "iGazprombank" inika iirhafu ezininzi kunenzuzo. Kukho ininzi yokukhetha kuyo. Into ebaluleke kakhulu kukufunda ngokugqibeleleyo imigqaliselo epheleleyo kunye nenkqubo yokufumanisa iimpendulo kuzo zonke iimfuno zomdla.