Indlela Yokuqeqesha Finance lakho: iidipozithi Savings Bank for umhlala

Namhlanje, abantu abaninzi ngakumbi nangaphezulu ukunika lo mkhwa ukugcina imali yabo ekhaya, sebenzisa ibhanki kwiSabi kwaye usebenzise iinkonzo yeebhanki. Kusilungele, kwaye lula, kuba imali ehlawulwe yobuthwala umdla.

Sberbank umsebenzi Iimpawu

Omnye inokuthenjwa yaye uhlala Savings Bank of Russia. Iidipozithi abadala, ezinikezelwa leli ziko zemali, babe nemilinganiselo ophezulu entlalweni.

Kwixesha elidlulileyo, Sberbank wabhengeza umgca omtsha zezindululo zotyalo-mali. Sebenzisa ezi nkonzo abahlala ngaphezu kweminyaka 55-60. Kufuneka kuchazwe ngenye isipho owenza Savings Bank - iidipozithi ukuya abadla umhlalaphantsi kunye namazinga aphezulu.

Ukuze uvule i-akhawunti, ufuna ukuba ilifa amaxwebhu ezimbini: ipasipoti nesiqinisekiso pension. Ukongeza, ukuba bavunyelwe ukuba akhuphe amandla igqwetha isalamane. Kulo mzekelo, uya kukwazi ngokukhululekileyo ukulahla imali yakho. Inzala ihlawulwa rhoqo ngenyanga, kodwa nayo ingadityaniswa kwimali kugalelwe. Iingcali zithi ukuba iidiphozithi Savings Bank for umhlala baya kuzisa ingeniso engakumbi, xa uvula i-akhawunti kunye nexesha ubuncinane iminyaka emi-3. Njengoko ubona, umbutho inkulu zemali eRashiya kwakhona ithatha unonophelo bakuyo amahlwempu esingelwe phantsi.

Sberbank iidipozithi umhlala

Izinto onokuzifumana abadala ebhankini inkulu? Sberbank iidipozithi umhlala luphawulwa ngeyantlukwano yabo. Lithethe ityala ngokwakho.

1. "Hlala ngayo." Idiphozithi kunye nepesenti ubuninzi. Isukela 5.5% ukuya kwisi-8%. Ngelixa kuvulwa eli galelo akuvumelekanga ukuba azondle okanye watsala imali. I Isavenge sokuqala kuya kufuneka ungabi ngaphantsi kwe-1000 engange. Unakho kubekwa phezu yi dollar okanye euro. Le mali ayikho ngaphantsi kwe 100 Ubude liphezulu yokuvulwa idipozithi - ukuya kwiminyaka emi-3. Nangona kunjalo, bavunyelwe kunye nexesha ngaphantsi.
2. "Athi". Le idiphozithi baziqwebele imali efunekayo. It ivumela kuphela ukuba uthathe inzala, kodwa ikwabonelela elinye ithuba - makasizalise akhawunti nangaliphi na ixesha. rate yonyaka ukususela 5,55% ukuya 7.25%. Le zesixa sentlawulo lokuqala engange 1000 okanye 100 zeerandi (euro). Ukuvunyelwa ukuba angene kwimvumelwano emiselwe iminyaka emi-3.
3. "Pension Plus". Loo umnikelo ezilungele umhlala zokusebenza. Unako komnye zonke okanye inxalenye ye pension kwi idipozithi. Akukho izithintelo ekugqityweni okanye ukurhoxiswa kwemali hayi. Amanqanaba epesenteji yaqho ngonyaka yi 3,50%. Liyinyaniso elokuba, ibhanki iya kuhlawula ngenxa yale program qho ngekota.

Zonke ezi iidipozithi Sberbank umhlala ukuba ngempumelelo ngakumbi ukulawula iimali zakho. Uncoma ithuba lokukhupha ikhadi zentlalo, leyo nguye inzala iidipozithi. Akusoloko kukho umntu owalupheleyo unalo ithuba ndwendwela isebe lebhanki, uze ungene kwi ATM elikufutshane ayikho nzima.

Isitifiketi Sberbank

Kubalulekile ukuphawula nje iidipozithi Sberbank ukuba abadla umhlala-phantsi, kodwa izatifikethi yokonga. Le ukhuseleko zingathengwa nayiphi na ibhanki. Kuyimfuneko kuphela ukumisela ixabiso wesiqhelo kunye nokukhula. Iipesenti ukusuka 0.1 ukuya kwi-10%. Emva kwexesha elithile uyakwazi ukuhlawula certificate ngexesha elifanayo kuhlawulwa kuba ayilungise ngomdla.

Xa ndiqukumbela, ndifuna ukuthi ukuba Savings Bank iminyaka emininzi esikhuthaza ngayo ukuthembeka kwabo kunye nezahlulo ezinkulu ngaphandle kokushiya caleni umhlala phantsi.