Yintoni na igalelo inzuzo kwi Savings Bank? Yintoni igalelo Savings Bank kukulungele?

Kwiqula-ntle baseRashiya ngokwenyusa kancinane. Bambi bade sibothule imali encinane iimfuno ezithile. Kunqweneleka ukuba ezi imali nokungenisa imali. Ukuze ezi njongo, kukho inkonzo kwiibhanki le iidiphozithi. Bona ingahluka ixesha, iimali, inzala, imali kunye udidi kubaboleki, apho kokuba sigxile. Kweli nqaku, uza kufumana ntoni na kakhulu igalelo inzuzo kwi-Savings Bank.

Ulwazi malunga umbutho

Sberbank liziko ezinzileyo ethembekileyo mali eRashiya tshemba imali yabo. Ngo-2015 eli ziko lamatyala khange kuphuhliswa iinkqubo ezintsha. Imali iya umdla ngendala. Yintoni igalelo Savings Bank kukulungele kanye ukuba umba ngo-2015?

Ngokuba yonke ukunambitheka

Kuxhomekeka lwemali uyakwazi imali engange, zeerandi kunye euro. Kuba abalandeli iinkqubo "non-zemveli", kukho idiphozithi "International 'ekhethekileyo kunye nemali ubuncinane ngamawaka-10. (Xa eemina, franc okanye yen) kunye nenzala stavkoydo 4.5%. Kwabo bafuna ukulondoloza imali ukuba iihambo amazwe 7 iinketho ezahlukeneyo - "atshaje", "Drive", "Gcina" (iya kuvulwa kwi-ofisi okanye i-akhawunti yakho kwi-site), nezaphulelo abadala.

Yintoni na igalelo inzuzo kwi Savings Bank ngo-2015?

Namhlanje, idiphozithi - le yindlela ukonga imali evela kwamaxabiso. Ngokutsho uqikelelo ziingcali zezoqoqosho, kulo nyaka kuya 15%. Eethenda kuba iinkqubo nesemagqabini ngaphezulu 11%. Ngoko ke, ukuba unayo imali encinci, kungcono ukukhetha inkqubo, phantsi apho imali zingenziwa kwi-akhawunti emva kokusayina la maxwebhu. Imali oluthi "Drive" ziyanikezelwa abaxumi abanenjongo ukurhoxisa imali kule mvumelwano. rates Inzala kubo ngaphantsi kwi "Gcina" kunye "uyitshaje kwakhona", kodwa intlawulo kulahlwa free. Inzuzo kuxhomekeke ixesha yedipozithi. .. Ukuba uvula iinyanga ezi-6 "uyitshaje Online 'kwi-mali ka-100 lamawaka engange, ngoko ekupheleni Umxhamli kuya kufumana 10.5% (kunye ikepusi), ukwenzela unyaka-1 - 10.6%.

nohlobo lotyalo

Ukuze uqonde ukuba yintoni na iidiphozithi kakhulu inzuzo Sberbank kuwe, kufuneka uphendule imibuzo embalwa:

• Ngaba ufuna ukuba lifake imali?
• Ngaba uza kufumana imali?
• ufuna ntoni ngeliphi ixesha lokuba abeke imali?
• Yimalini na?
• Yintoni imali oyikhethayo?

Ngokuphendula le mibuzo, uya kukwazi ukukhetha ukhetho best ngokwabo. Ukuza kuthi ga ngoku, Sberbank inikeza ezi ntlobo zilandelayo yesibambiso.

"Gcina":

• ngaphandle ithuba ngokumpontshwa kunye ungayikhupha ngaphambi kwexesha;
• ubuncinane - 1000 engange;.
• gama - up to iinyanga-36;
• rate - 6,4-7,7%.

Thathela ingqalelo capitalisation lesibonelelo ubuninzi zingafumaneka ngokuzalisa idipozithi iminyaka emi-3.

"Uyitshaje":

• igama lwenkqubo lubonisa ukuba imali ifakwe ixesha lesivumelwano;
• imali - 1000 engange;
• xesha - up to iminyaka emithathu;
• izinga - ukususela nge-6% ukuya 7.28%.

"Drive":

• ithuba wemvula kunye ungayikhupha ngaphambi kwexesha;
• ubuncinane - 30 amawaka engange.
• xesha - iinyanga ezi-3 - kweminyaka emi-3;
• izinga - ukusuka 5,05% ukuya 6.1%.

Le inkqubo esisiseko ye-Savings Bank. Baye -analogues "online" ukuba uya kukhutshwa ngqo kwi-akhawunti yakho kwi website lomlambo lowo. Kwaye kulo mzekelo, izinga lenzala iza kwandiswa.

iinkqubo ezizodwa

"Multicurrency":

• gama - iinyanga 12-24;
• lwemali - engange, dollar kanye euro ;.
• balance - iiyunithi 5 yemali;
• izinga kuxhomekeke elithi; oko kuyohluka 0,01% xa eseleyo kwi-akhawunti RR-5 ukuya 6.21% xa 100 amawaka imali. bagcobe.

"Savings" ikuvumela ukuze ifumane ingeniso engakumbi, nokuba imali imali ngomhla 1. Izinga uyahluka 1.5-2.3%, ngokuxhomekeke kwisixa. capitalisation Ngaphandle ukurhoxiswa buso.

"Luyingenelo" - idipozithi ngaphandle amathuba wemvula kwixesha kwekhontrakthi. Ubudlelwane phakathi isantya kwaye igama elithi yedipozithi zitshintshile. Oko kukuthi, ukuba uvula i-akhawunti iintsuku 365, ngoko ke inzuzo ye-8%, iinyanga 12-18 - 5%, ixesha - 3.7%. Ubuncinane sixa - amawaka engange.

"Nika Ubomi" - inkqubo sa. peculiarity lwayo usendleleni yokuba kanye ngekota ukuze enze igalelo kwingxowa-mali ukunceda abantwana mali ka-0.3%. Vula idipozithi ingaba kuba ngunyaka 1 ubuncinane 10 lamawaka. Thambisani. Rate: ukusuka 6,40% ukuya 6,55%.

Option umhlala

Kuba iindidi abuthatha oluntu liqulunqe iimeko ezizodwa Sberbank. Yintoni na igalelo lalowo inzuzo kubantu ebudaleni? Oku luxhomekeke kwinjongo yedipozithi. Ukuba umntu lityale imali ukuze uphephe 'adle "yi kwamaxabiso, kungcono ukukhetha inkqubo elula kakhulu. Ipesenti kwabo kuya kuba enyangweni. iinkqubo Imigomo for abadala kumazinga ezisisiseko zahlukile.

• "Gcina ': ukusuka 5% ukuya 7,76%.
• "Recharge" ukusuka 5.3% ukuya 7.28%.
• "Pension Plus": Izinga ngekota ka-3.5 ukuya 3,67%. Le idiphozithi ukuba nangoko uluhlu umhlala-phantsi.

iidipozithi nenzuzo Savings Bank: amazinga enzala iidipozithi

Kuba umbono ngcono siye liqulunqe itafile kuwe ngezantsi:

Yintoni na igalelo inzuzo kwi Savings Bank? Njengoko kubonakala etafileni, "Hlala online." Ekubeni evuselela okanye irhoxise imali rhoqo akunakwenzeka, ukusetyenziswa kwemali Izinga lelona liphezulu. Kwaye anikwe isiseko capitalisation ngenxa accrual umdla ayikho imali yokuqala, ndanda ngeendleko kwemivuzo yenyanga.

Indlela isigqibo

deposit Perfect ibandakanya ezi zinto zilandelayo:

• bank ithembekile;
• amagama kangangoko;
• izinga eliphezulu;
• zeemali;
• ithuba uyitshaje.

Fumana idipozithi, nto leyo eya kudibana nazo zonke ezi parameters kunzima kakhulu. Uluhlu iipesenti phezulu yingozi. izinga mboleko CBR lishicilelwe ngokusemthethweni. Ukuba ibhanki inikeza ukutyala ipesenti ephezulu kakhulu, oko kuthetha ukuba nguye ezingxakini zemali kwaye uzama ndingade ukuba nomtsalane kubathengi.

Kwakhona kubalulekile ukuba sinikele ingqalelo ngokwemigaqo yenkonzo. Ukuba nokwenzeka wemvula libe afanelekileyo kubathengi. esibekela bucala imali uhambo. Inzala kungcono ukufumana kwi ekuvuthweni kunye nemali oyintloko, ngaphandle kokuba na Uza ukuba abeke imali engange million 1. Kubalulekile ukuba banikele ingqalelo uhlobo ukubheja. It zinokutshintsha kwale mvumelwano. Abantu ibekele bucala imali "mini ngemvula", kungcono ukuba bakhangele idipozithi kunye ithuba ngaphambi kwexesha.

isiphelo

Eyona ndlela deposit kakhulu kangangoko abathengi ngalinye ethanda. Umntu atyala imali ngalo ukuze ubakhusele kwamaxabiso. Abanye wonge imali, nje xa kunokwenzeka. Abanye, nangona zidlulisele imali yabo ebhankini, kodwa ufuna ukuba bakwazi ukulawula i-akhawunti. Imali evela Bank Sberbank of Russia zezona oluza kakhulu kwi emarikeni. Abathengi abakwazi kuphela ukulawula i-akhawunti, kodwa ukutyala ngqo nge-intanethi ngamaxabiso inzala ephezulu.