Namhlanje abatyali ngaphambi ngokubeka idipozithi, khetha ngenyameko ebhankini, ukuhlola ukuthembeka, ukunikela ingqalelo unikeza engcono neemeko. Nje embalwa eminyaka eyadlulayo, ukhetho olunjalo abakunikwanga, nabo bonke abemi mali ekhoyo, uthembe imali yabo Sberbank. Abantu iminyaka ibekele bucala imali iimfuno ezahlukeneyo, umntu efuna imali nantoni na ukunqaba endala, umntu wavula i akhawunti igama unabantwana, nokuba ngabazukulwana, abanye bafuna ukugcina ikhaya lakho okanye imoto. Nantoni na, kodwa ngo-1991, onke amathemba kwacunyuzwa ngephanyazo. eminyaka ebibekiwe devalued imali kumakhulu amaxesha.
Ukususela ukuba le yayiza elifanelekileyo ukuba ashiye abantu bakhe nakwizibetho zabo, ngoko liye imbuyekezo yesibambiso yenziwe ngo-1996. Liyinyaniso elokuba, ulwazi malunga nayo Musa ukungxama ukubhengeza, bambalwa ke siyazi iintlawulo, yaye ukubala phezu abagcinisa imali wazalwa phambi 1916. Kodwa ngoku imithetho zitshintshile, kunye nembuyekezo iidipozithi ziyafumaneka bonke abemi wazalwa phambi 1991.
urhulumente kuthathelwa kwamaxabiso akhawunti, baqulunqe scheme intlawulo elandelayo. Kuxhomekeka ubudala abagcinisa iminikelo Soviet ziya liphindaphindwe amaxesha amabini okanye amathathu. Ngoko ke, kwabo bazalwa phambi 1945, ubonelela ngokuba zembuyekezo izihlandlo ezithathu isixa iidipozithi ngo-1991, kwabazelweyo phakathi 1946 no 1991, uya kufumana imbuyekezo kwi ubukhulu kabini.
Nokuba intlawulo sele yenziwe, umtyali-mali unalo ilungelo lokucela kokubalwa kwakhona. Igalelo yokuqala iya liphindaphindwe ababini okanye abathathu. Kule mali kufuneka kuxhuzulwa imbuyekezo sele ifunyenwe, kwaye Intsalela iya kukhutshwa kwi sicelo. Konke oku sisebenza ukuba igalelo elisebenzayo, ukuba kubhaliwe ivaliwe, isixa eso liphindaphindwe imiba zokucutha. Ngumlingani ixhomekeke kwigalelo xa ivaliwe kunokuba kamva yenziwe, kungona ixabiso layo. Kwimeko lokuvala sedipozithi 1991, imbuyekezo iidiphozithi ohlawulelwa ungekasetyenziswa ayibuyiselwa.
Namhlanje, imbuyekezo ibonelelwa khona imali abanini bazo, kwakunye ziindlalifa. Kwimeko yokuqala kufuneka uqhagamshelane isebe Sberbank yabo kunye bankbook kunye yokundwendwela. Ukuba le ncwadi ilahlekile, kufuneka ibhanki ukuba ubhale ingxelo. Ukuba abagcinisa uye wafa, imbuyekezo kwi iidiphozithi wabeka yindlalifa yakhe. Kulo mzekelo, kufuneka ube lamapasi, yokundwendwela, uxwebhu engqina ubumi Russian le abagcinisa kunye nesiqinisekiso ilifa.
Ngaphandle Russia, intlawulo iidiphozithi kwenzeka kwamanye amazwe, phambi eyayisakuba republic eSoviet. waphendula ngokukhawuleza Lithuania. Malunga ne-80% yemali evela uthengiso Ayithimba intlawulo mali. Kulo mba Kazakhstan wagqiba ukuba akhuphe izitropu. Baya kuvuzwa ngokupheleleyo ukuba abadla umhlala-phantsi kwiminyaka-5 okanye 10, nangenxa abemi eyomeleleyo - 15 - 20 iminyaka. Armenia uceba imbuyekezo ngokupheleleyo ilahleko abagcinisa ku-2015. Okokuqala, iintlawulo zenziwa amahlwempu kunye nabadla umhlala-phantsi. Azerbaijan wathembisa ukuba ukusombulula ingxaki kangangeminyaka eli-10. E Belarus and Moldova iyakujongwa kwakhona amathuba imbuyekezo, kodwa ngenxa yokunqongophala intlawulo phantse akukho mali.