Indlela yokukhuphela ipension xa ikhadi Savings Bank? Pension kwimephu ye-Savings Bank: Inkqubo Bank for abadala

Kuzo zonke amaqela zentlalo eRashiya uninzi bonke abadla umhlala-phantsi. ngenyanga nganye, urhulumente idwelisa kubo yesibonelelo. Iinketho ukuze bafumane imali noko. Ungaqhagamshelana ne lamapasi isebe ebhankini kunye zinxweme intlawulo ufolo lokulinda. iindidi ezithile kwabemi ngunoposi kuzisa ekhaya imali. Kodwa zombini ezi nketho elula kakhulu, ngenxa yokuba kufuneka achithe ixesha elininzi. Kulungile ukusebenzisa ikhadi lebhanki. Iziqulatho kungaba naliphi na iziko lemali. Ukuze ufumane inkcazelo engakumbi malunga nendlela ukudlulisela yomhlalaphantsi kwikhadi Sberbank, ufunde.

buhle

Sberbank - iziko lamatyala sikhulu kakhulu zozinzo eRashiya, enika abaxhasi bayo ithuba elikhulu, xa kuthelekiswa namanye amaziko efanayo. Umhlala bokuqonda ezibalulekileyo ezifana:

• Sberbank - umbutho karhulumente. Kwimeko apho Iezothuso yezoqoqosho yindlela ukumiswa ubuncinane.
• Sberbank kukhokelela kwenani amasebe eRashiya enye zothungelwano ngobukhulu ehlabathini yeshumi elinye. Loo nto watsala imali evela ikhadi kubakho thumo phantse zonke axhwarhe kweli lizwe.
• Eli ziko lamatyala inika abathengi zayo inkonzo yenkonzo akhawunti ekude. Noko ke, asingabo bonke abadla umhlala-zikulungele kakuhle kubuchwepheshe Internet mihla. Kodwa izaziso SMS malunga intengiselwano kwikhadi yabo ayisebenzi kubakho.
• Ingakumbi kule didi kwabemi iye yaphuhliswa "imephu lwentlalo 'le-Savings Bank. Pension ivela kuyo ngaphandle uthuma.

isixhobo sentlawulo

"Social" - a debit card Maestro didi. amalungelo akhethekileyo ukusetyenziswa kwayo enganikwanga amazwe. Kodwa ngaphakathi womnatha inokuba iziko credit:

1. ngokuzenzekelayo kwaye rhoqo afumane ipension kwikhadi ka Sberbank.

2. Ukusetyenziswa mahala isixhobo sentlawulo.

3. ngokukhawuleza nangalo naliphi na ixesha lemini ukuba kutolwe credit card imali nge-ATM.

4. Ukufumana imali eyongezelelweyo -3.5% ngonyaka imali eseleyo.

5. Ukuze inxaxheba kwinkqubo bonus "enkosi" - ukuthenga iimveliso izaphulelo ezikhemisti kunye nakwiivenkile neqabane.

inkqubo yokubhalisa

Ukuze ufumane ipension xa ikhadi Savings Bank, kufuneka:

• Qhagamshelana isebe ID kunye yokundwendwela.
• Yenza isicelo umba ikhadi.
• Fumana eprintiweyo iinkcukacha ze-akhawunti.
• Amakhadi ziyafumaneka ngeeveki ezimbini. Ukuze ufumane isixhobo sentlawulo, kubalulekile ukuba ndiphinde ndifake isicelo kwisebe ebhankini. Ukongeza zeplastiki, umqeshwa kufuneka anike kwimvulophu iPIN khowudi ukurhoxisa imali iiclamps.

Indlela yokukhuphela ipension xa ikhadi Savings Bank?

Oku yadluliselwa kwiSebe lwengingqi ingxelo PF in duplicate. Iqulethe iinkcukacha kwekhadi, igama yomamkeli, igama ebhankini. Ukuze ufumane ikopi yoxwebhu lisetyenziswa lamapasi umhlala noncedo ukuvula i-akhawunti. Enye ikopi igcinwe kwi PF. Ngomhla wesibini kufuneka wangqisha inani kunye nomhla lezithuba ubhaliso. Apha kuyimfuneko ukuba ukhankanye onke amaxwebhu ziye zidluliselwe kwingxowa-mali yomhlalaphantsi. Ukuba isicelo yoguqulo pension nge ikhadi Sberbank kunikwa iintsuku ezimbalwa phambi kokuba kwenziwe intlawulo elandelayo, ngoko mhlawumbi, le mali iya kudluliselwa kwinyanga elandelayo.

Emva ubhaliso isithutyana yesicelo utshintsho. Ukuba inzuzo umhlala kufumana 12-13 lwenyanga nganye, udluliselo yomhlalaphantsi kwikhadi le-Savings Bank kungalindiswa iintsuku ezi-5. PF kufuneka ngokulinganayo kusasaza imali kule akhawunti.

bokuqonda inkonzo

Commission for lokuvula i akhawunti engange-10.

I-Bank inika abathengi yayo SMS-ulwazi malunga transfer ngemali. Kuba abanini card "Social" intlawulo kwiinyanga ezintathu zokuqala iya kuhlawuliswa. Ngexesha yesondlo emva koko kuya kufuneka ukuba uhlawule imali engange-30. / Month.

Bamakhadi bayafikelela kwi-terminal, apho ungadlulisela i ipenshoni Sberbank ikhadi isalamane, ahlawule imali yezinkonzo, uyitshaje ifowuni, ukuthumela ezinye iintlawulo.

inkqubo Iinkcukacha

Ukuba nangasiphi na isizathu umhlalaphantsi akafuni ukuba kuhlawulwa ikhadi Sberbank, ungenza i ubhekise. Kukho nemizekelo emibini.

Okokuqala, igalelo "Pension Plus" ayikenziwa ivaliwe kunye lamapasi phezu kwezandla zakhe. Kulo mzekelo, kufuneka utyelele i PF uze ubhale sokwala ukunikezela zigqithiselwe akhawunti yebhanki. Emva kokufumana intlawulo kwi-akhawunti yokonga kuyimfuneko ukuvala i akhawunti kwiziko lamatyala. Ngenxa yoko utyando enjalo, ukuthwala inkamnkam kwikhadi Savings Bank akuyi kwenziwa.

Okwesibini, lamapasi wafakwa kwindawo yokugcina. Kulo mzekelo, konke oko kuxhomekeka kwiimeko. Unga ivuselele inkonzo naliphi na iziko ngetyala ngayo uyasebenzisana PF. Ukuba olu khetho ayikasebenzi, kuya kufuneka ukuba ubhale isicelo seenzuzo kwi-ofisi yeposi ekufutshane. Enoba kwenzeka ntoni na, kungcono ukuba ukusombulula ingxaki ngokusebenzisa PF. abasebenzi Bank benza ubhaliso phambili ngeke.

Holdings

Kukho esinye isizathu, ngenxa yokuba apho kukho nomdla umbuzo indlela ukudlulisela yomhlalaphantsi kwikhadi Sberbank. A iziko lamatyala inikela eli labemi ukubeka iimali ezingasetyenziswanga ebhankini kunye iimeko zivuma:

- umyinge wenzala High;

- imali-inshorensi;

- ithuba ukudlulisela inzala ngenyanga yayo kwi-akhawunti;

- iidipozithi iilebhile kunye roll.

Ngo-2015, i-Savings Bank irhoxisiwe idipozithi ekujoliswe abadala. Kodwa kwiimeko ezikhethekileyo zicacisiwe ezikhoyo: umxhasi ifumana qondo liphezulu lwenkqubo ekhethiweyo. Imali sibekwe kwi-akhawunti in engange, zeerandi okanye euro kula masebe ofisi ibhokisi okanye "Sberbank Online".

Izinga umdla engange kubandakanywa igalelo roller kunye capitalisation ngonyaka phakathi kwemida ethile:

• "Gcina": 9,7-10,29%;
• "Uyitshaje": 10,05-9,58%;
• "Pension Plus": 3,5-3,55%.

Inzala esezantsi. Unga lungalungiselelwa ukuba oyifunayo igalelo kulo naliphi na iziko ngetyala okanye ukubeka imali Iziqinisekiso ekongeni. Kuphela kwimeko yokuqala kuya kufuneka ukuba ufumane ibhanki ethembekileyo, kunye yesibini ukuba ukukhumbula ukuba utyalo-mali nokuba phantsi 13,25% ngonyaka nje inshorensi.

Ukuba, ke, ezi utyalo-mali efanayo ziqhutywa nge internet banking, iimeko accrual umdla musa ukutshintsha, kwaye amazinga ntoni ukwandisa:

• "Gcina SHC @ dh": 10,5-11,34%;
• "Recharge SHC @ dh": 11-10,61% (iminyaka emithathu).

Ukongeza, umhlala-phantsi, kuqhutywe naziphi iidipozithi e Sberbank, unandipha uhlobo iibhonasi:

- Fumana lamapasi;

- nenzala ethe usenokwenza amalungiselelo inkonzo transfer kwikhadi kwaye usebenzise yona simahla kunyaka wokuqala wenkonzo;

- ayihlawuli irhafu, ngokuba inzala iidipozithi ngezantsi izinga mboleko;

- lingalandisa igalelo, kwemvumelwano ihlaziywe.

isiphelo

Kanye ngenyanga, izinikezi karhulumente kwi-akhawunti yesibonelelo umhlala-phantsi. Ukuze uyifumane, ngaphambili kwakufuneka beme emgceni kwi-ofisi yeposi. Ngoku nababolekisi zinika abathengi amalungiselelo yentlawulo yesixhobo ukufumana iinzuzo. Indlela yokukhuphela ipension xa ikhadi Savings Bank? Kufuneka afake isicelo isebe leziko zemali kunye isatifikethi kunye ipasipoti Ubeka umyalelo. Ikhadi liya kuba seyilungile kwiiveki ezimbini.