IC "Savings Bank Umshwalense wempilo": ukutshalwa kwezimali, izimo kanye nemithetho yezokuphepha

Umshwalense wempilo - iyona nokuvikelwa kwempahla izithakazelo abantu exhunywe ne ngokuphila nangokufa kwakhe. Lokhu eside futhi uhlobo sezikhalazo nokutshala izimali. emakethe le sevisi ukunikela abahlanganyeli hhayi kuphela professional, kodwa futhi zokuthenga ngesikweletu, ikakhulukazi Sberbank.

Mayelana inkampani

LLC IC "Savings Bank Umshwalense wempilo" yasungulwa ngo-2014. Kuyinto ephethwe PJSC "Savings Bank", okuyinto ngokukhethekile ukuvikelwa kwamalungelo impahla. Ekuqaleni, inkampane eyayinazo zonke wanikela amaphrojekthi isitoreji kanye yomshuwalense wokuphila utshalomali, khona-ke lolu hlelo yokuvikela yokuzithandela impilo yezakhamizi.

Namuhla inkampani phakathi phezulu ezintathu emakethe. Phakathi 9 izinyanga yokuqala 2015 ivolumu amaphrimiyamu zaba ruble 30 bhiliyoni. Kulawa, ruble 18 bhiliyoni. eqoqwe kuma eside isipho umshwalense kanye nokutshalwa kwezimali. Okubekiwe namafa bezingaphansi ruble 55 bhiliyoni. futhi ruble 63 bhiliyoni. ngokulandelana.

inkampani yomshuwalense "Savings Bank Umshwalense wempilo" inikeza imisebenzi yokuvikela:

• iyiphi impahla ngabanye nezinhlangano ezingokomthetho, ngaphandle izimoto futhi imishini yezolimo;
• kuhilele ecaleni elimayelana nezakhamuzi;
• izingozi ibhizinisi;
• izingozi wezimali;
• izingozi;
• umshuwalense wezempilo.

uhlelo

Ukungena kwemali ku yomshwalense kwisikimu lula kanje.

Pholisi kwenza inkokhelo yanyanga zonke esekelwe imigomo yenkontileka umshwalense. Lokhu kusho inkampani iminyaka 10-20, uzibophezele ukutshala ukuze uthole i-umcebo 14-17%. Kubalulekile ukuqaphela ukuthi imali isithembiso ibalwa ifomula akuyona amaphesenti nzima (vol. E. Nge cap) futhi inqubo esiyingqayizivele okuyinto kuphela ngomshuwalense ezaziwayo.

Lezi zimali awela esiqiwini yokuqala okutshalwa kuwo izimali ebhange, e impahla noma nokwabelana. Yenzuzo uhola imali elinganiselwa ku 15-20% of the umshwalense ugodla wonke izindleko zalo, 80-85% of iklayenti uhlu.

Ngokuvamile, utshalomali nokonga umshwalense asakhelwanga inzuzo. Le mikhiqizo zenzelwe ukunikela isizo leemali uma izinkinga zezempilo. izinhlelo umshwalense Endowment ukumboza ezingozini ezinjalo:

- sokusinda kuze kube sekupheleni yesivumelwano;
- ukufa (nganoma yisiphi isizathu);
- kokuthola iqembu lokuqala ukukhubazeka.

Izimali lo mkhiqizo uhla ka 5-10% semali yokukhokha. Bathembele engu (omdala insured, aba maningi amathuba), ubulili (abesifazane baphila isikhathi eside ukwedlula amadoda), iqoqo izingozi ngoba uhlelo ezikhethiwe (ukufa kuphela, okusinda impesheni, kokuthola ukukhubazeka).

Credit umshwalense - umkhiqizo langempela emakethe

Kusukela 2014, amaRashiya nethuba ukukhansela umshwalense imali umthengi. Amabhange akuzona inzuzo ukukhulisa amanani ukubolekisa anikezwe, ngoba kuyothonya izindleko zesikweletu. Lapho lesi sibalo yokugcina, ephansi ezingeni capital nokwanela. Nakuba umthetho umshwalense akuyona imfuneko ngoba Ukukhishwa credit, ngokomthetho ukunikeza kube nzima kakhulu.

Ngokwethulwa izichibiyelo zomthetho yabathengi credit onikezwe izibalo zezikhalazo ezifakwe yehlile umshwalense. On the eyodwa uthengiswa i-ejenti Inqubomgomo yasebhange uthola 50-70% yezindleko. Lena umthombo enkulu yenzuzo. Akumangazi ukuthi professional abahlanganyeli emakethe kukhona ekujaheni ukuze ibuyisele le mali ngenxa yomshwalense kanye nezempilo. Sberbank nezinye izikhungo abolekise ezinkulu namanje ngokwehluleka komfakisicelo ukuhlangabezana nezimiso kuthengiselana. Kodwa isikhathi ekuthathweni e ebhange ngamunye uhlukile.

Kungakapheli namasonto amabili, ngemva ukusayinwa inkontileka yikhasimende kungenzeka sokuqeda isivumelwano unilaterally ngaphandle kokulahlekelwa uma utshala imali. Le sevisi itholakala kubasebenzisi utshalomali, ekuqongeleleni kanye nemikhiqizo zahlanganiswa. Le mithetho zisebenza "Savings Bank Umshwalense wempilo." Izicelo zamukelwa kuphela ngokubhalela isikhungo legatsha zezimali. Kodwa izibalo zibonisa ukuthi labo abafisa sokuqeda idili okungaka - 3% kuphela. Lokhu kungenxa ngokuyinhloko izinkinga ezingase ziphakame ukuthi ikhasimende phezu okuvela umcimbi insured. Isizathu sesibili ukuthi amakhasimende ukwethula sekwephuzile lasho amazwi anjalo inkampani.

Kungani lokhu kwakwenzeka?

Inkampani "Savings Bank Umshwalense wempilo", kanye nanoma yimuphi omunye professional emakethe umhlanganyeli ungabuyela lonke inani esakhokhwa iklayenti ngaphambi nje kokuba lesi sivumelwano Ungena force. Kungenjalo, umshwalense imiphumela intela. Okuwukuphela kwendlela sizigweme kanye ngesikhathi esifanayo ihambisane nezidingo zomthetho - ukuhlehlisa leli phuzu. Ikhasimende esayina inkontileka, akhokhe inqubomgomo, kepha isevisi kuyokwenzeka ngemva kwesikhathi esithile.

Isimo emakethe umshwalense

Ukuze ubuyise imali ekhokhelwe Umshwalense inqubomgomo "Ekhaya Yomshwalense", "Renaissance Insurance" noma "amakhasimende izinkampani zomshuwalense lesifunda 'unga HCF-Bank. Uma iklayenti yaguquka ezinsukwini ezingama-30 emva ukubhalisa yesivumelwano, angabenza 100% we izindleko zomshuwalense. Shall ibuyiselwe ku-akhawunti bese ngokushesha wathumela sokukhokha imali ebolekiwe. Ngu ungaboshwa umshwalense loan imali akukwazi ukubuyiselwa imali.

Isevisi efanayo inikezwa "Promsvyazbank" futhi "BIN". Kodwa kuzo zombili izikhungo credit share izimbuyiselo ongaphakeme. "Alfa-Bank" nje ulungela ukwenza leyo nto yokuzithandela izivumelwano zomshuwalense, kodwa kwenzekani ukunikeza iklayenti ukucabanga izinsuku ezingu-14 kusukela ngosuku esithathwa ngalo. Kodwa "VTB 24" SSR "Bank of Moscow" futhi "BKM Ukutholwa" ungacabangi inketho okunjalo.

iphesenti Ubuncane umshuwalense non-credit - kuyinto evamile. Nge izidingo okwandisa ababoleka, ukunciphisa isidingo ukubolekisa, le ndlela ungakwazi ukuheha amakhasimende amasha. "Cooling Inkathi" olunikezwa amabhange, ogama senzalo emalini ebolekwe akuxhomekile khona kwenqubomgomo, futhi okuyiwona ngithunywe ukudayiswa nomshuwalense ungeyena Umthombo oyinhloko wemali. Lolu khetho kuyothuthuka isithombe kokubili ebhange futhi inkampani yomshuwalense, isb. A. Kunciphisa amathuba yesimangalo.

Sberbank: yomshwalense nge-mortgage

ababoleka Abazama abanesifiso umbuzo kuvikelwe ukuphila nempilo uma ufaka boleko ukuthengwa kwezindlu okuvela kuhulumeni. Lezi zinhlelo sokuqhuba encishisiwe senzalo ka 12%. Uma iklayenti wenqabile ukukhipha yomshwalense, imali ebhange kwenyuke ngo-1%. Yiqiniso, ungathola imbuyiselo isevisi kanye eziphoqelelwe ngesikhathi hlelo, kodwa ngisho Kulokhu izinga kuzokhulisa ku-13%. Kuyefana nasendleleni isivumelwano se noma okungezona sokuvuselelwa umshwalense kunyaka ozayo. Zonke lezi zimo apelwe phandle nesivumelwano sokubolekwa.

Nokho, umshwalense yangasese Sekuyisikhathi eside ubonwa njengenhlangano indlela ezengeziwe ukuba abanike imali iklayenti. Zonke-ke lapho kukhona ukuvumelana phezu nokuvikelwa kwempahla izithakazelo nihlela a mortgage at 11.4%. Kodwa kukhona imibuzo eminingi mayelana nemigomo ye-idili. Iqiniso ukuthi inkinga inkonzo kungaba kuphela "Savings Bank Umshwalense wempilo" okwesikhathi rate ngokwanele enkulu 1% lemali mboleko. Okusho ukuthi, uma ikhasimende uthenga indlu ruble ayizigidi ezingu 3.5., Ukwenza inkokhelo phansi ruble ayizigidi ezingu-1,5., Isikweletu kuthatha ruble 2 million. I-premium umshwalense ngonyaka wokuqala ushe emawakeni 20. Hlikihla.

Kodwa empeleni?

Empeleni kulula ukuthathelwa umshuwalense Ukuphila kwanoma imuphi inkampani isigunyaziwe yi ebhange. In the field, abaphathi uncamela bathule ngakho ngenxa yezizathu ezihlukahlukene: kusukela ukuhluleka yentshisekelo impahla lwabasebenzi. Thola ukuthi yini ezinye izinkampani ubambisana isikhungo sezezimali, unga ehhovisi. iwebhusayithi. Umshuwalense wokuphila nge mortgage ku Savings Bank kungenziwa ekhishwe izinkampani 16: "FAC", "Ingabe Ohulumeni Banalo Lonke Insurance", "VTB Insurance", "SOGAZ", "Zetta", "RESO", "Ingosstrakh", "Rosgosstrakh", "NASCO" "Renaissance", "ukubheja", SF "Adonis", "laseSiberia Crane", "Spassky esangweni", "REGIONGARANT" CO "Surgutneftegaz". Zingahluka phezulu noma phansi. Uma abasebenzi Sberbank bayenqaba ukwamukela inqubomgomo enjalo, ubacele nokwenqaba ebhaliwe.

Investment ukukhanga umshwalense

Investments Uhlelo imali kusuka inkampani "Savings Bank Umshwalense wempilo" inikeza ngamasevisi kuphela, kuyilapho evikela ukutshalwa nge ukutshalwa ku amafa ahlukahlukene ezimakethe Russian kanye nephasi loke. idiphozi Bank uletha imali esethembisayo, kodwa ongaphakeme. izimali Mutual ukunikeza amathuba amaningi okwenza imali more okuthakazelisayo, kodwa engozini enkulu, nesiqondiso baye bathuthela ebhekiswe zimali ezingcono. Ngakho-ke, okwandisa ukukhanga uhlelo ukutshalwa kwezimali Insurance Company "Savings Bank Umshwalense wempilo." Izibuyekezo kwamakhasimende ukuqinisekisa lokhu.

izimo

IC "Savings Bank Umshwalense wempilo" has umugqa yayo imikhiqizo utshalomali. Uma ukukhokha umnikelo izimali iqondiswe amathuluzi classical (zifakwe ebhange, izibopho kahulumeni), futhi okusele okutshalwa kuwo izimali akhethiwe ikhasimende kwempahla. Nokho, ngaphansi kwalolu hlelo ingozi non-kokuthola iholo ewela ikhasimende. amathuluzi okulondoloza kukhona ubufakazi obengeziwe "Savings Bank Umshwalense wempilo." Kwemali, noma kunalokho kokuqala Imali, ikhasimende uzothola, ngisho noma ukhethe fa yehliswa ngokugcwele.

Uhlelo eside. ikhasimende angamisa ethemini yesivumelwano uma uthanda. Kulokhu, izothola isamba wokuhlengwa. I ups emakethe nezinkinga njalo enye. Ithuba elikhudlwana ayezolithola Esikhathini esimaphakathi. nezimo zezimakethe eyimpumelelo Ungashintsha nganoma yisiphi isikhathi. Ngemva kweminyaka emibili noma emithathu, ungakwazi ukushintsha kwempahla wenkinga ngaphandle okhunye nokhunye ngemuva kokuqala investimenti.

IC "Savings Bank Umshwalense wempilo" umkhiqizo utshalomali emgqeni kwalo hhayi kahle esikhundleni lifake. It ihlose amakhasimende asebavele idiphozi ebhange, esehlanganise ngenzuzo ngekwata. Empilweni kungenzeka. Nasesihlalweni yokutshala imali isikhathi eside ngenxa yokulahlekelwa yesikhashana umsebenzi kanye namaholo kwakungenangqondo. Kodwa futhi ukugcina isabelomali sonyaka we yasebhange idiphozi asikalungi. In esinjalo umtshali wemali uyobe ingathola isithakazelo ukuthola imali eyengeziwe.

nje isikhathi sokuba abantu ngamakhasimende ezifana uhlelo lokutshalwa kwezimali. Iklayenti Ungakhetha iliphi ifa ezimakethe Russian kanye nephasi loke. Ngaphezu kwalokho, kubahlanganyeli hlelo unesinye inzuzo ebaluleke - intela wajula engenile. Amakhasimende baye baphetha inkontileka ngokusebenzisa Savings Bank Umshwalense wempilo isikhathi esiyiminyaka emihlanu anelungelo ukuthi kubanjwe u-kwentela yengeniso. Intela icala kuphela ingxenye ukuthi idlula imali izinga refinancing.

Umshwalense wempilo International

"Savings Bank Umshwalense wempilo" inkampani inikeza amaklayenti ayo umkhiqizo omusha ukuze kuvikeleke izifo ezibucayi benethuba ukwelashwa phesheya. Lokhu kuzovumela amakhasimende bazuze kulokho ongoti kwemitholampilo ehola zezwe futhi nezindleko ukuhlinzeka ukunakekelwa kwezokwelashwa ngesikhathi ekwelapheni izifo eziyingozi, ukuvuselelwa, izivivinyo zokuvimbela, ukuthola umbono lodokotela. Izinzuzo esemqoka isevisi - anhlobonhlobo izingozi, amazwe lapho ingelashwa, futhi isevisi entsha.

umshwalense wezokwelapha International ikuvumela ukuba uthole usizo ezimweni lapho ayisebenzi VHI ejwayelekile: ukunakekelwa umdlavuza, ukuhlinzwa, ukuvuselelwa ngemva isitho ukufakelwa. Lolu hlelo luhlinzeka ngokubamba profobsledovany phesheya. Inqubomgomo uhlanganisa ekwelapheni izifo eziye zatholakala e ikhasimende phambi isiphelo sesimiso inkontileka (kodwa iminyaka ngaphambili kuka 2), kanye ekupheleni kwethemu yayo. Ngaphezu kwalokho, ikhasimende ungakwazi ukuthenga ezinye amaphakheji phesheya.

umshwalense International isikweleti (Sberbank) sivumela amakhasimende ukuthola ukwelashwa ezibhedlela ehola emhlabeni wonke:

• eJalimane, Israyeli, Spain, Turkey, Russia - ukwelashwa komdlavuza nokuhlinzwa;
• kunoma yiliphi izwe - ukufakelwa;
• kwa-Israyeli - nokuvuselelwa nokwamukela ukunakekelwa okuthuthukisa.

Kusondela "zonke okufakayo" kuhlelo lwe-umshwalense inikeza hhayi kuphela uthole inkokhelo, kodwa futhi isevisi inhlangano yenqubo ukwelashwa, uhambo wekhasimende, kanye ihambisana yayo. High-level sevisi ubusuku nemini. Okokuqala, ngaphambi, phakathi nangemva ukwelashwa inikeza iseluleko hotline. Okwesibili, intengo kuhlanganisa izindleko air travel iklayenti futhi emtholampilo wakhe ohambisana phesheya. Ngo izikhathi yokugula okunzima usizo ebalulekile ngokwengqondo.

Uhlelo gama iminyaka 5. Imibandela enikeziwe ukuthi kungenzeka sokuvuselela yonyaka yesivumelwano. Umkhawulo wonyaka isamba oVikelwe umuntu ngamunye kuba $ 1 million benethuba nakathathu. Ngenxa ebanzi Ukusabalala ngokwezwe kwenqubomgomo ikhishwa kuphela ngamadola wase-US. Ubuningi beminyaka iklayenti - engu-65. Kukhona izinhlelo okukhethekile kumakhasimende abanokuhlangenwe inkontileka wonke umndeni, ehlanganisa amalungu 5.

Umshwalense Pokemon - umkhiqizo omusha emakethe

Pokemon - kuyinto uhlamvu kusuka entsha mobile umdlalo Pokemon Hamba. Yaklanyelwa hhayi kuphela abadlali, kodwa futhi abaphathi bebhange. "Roketbank" kwaba ngomunye wabokuqala ngubani lasungula Bangababambi Uhlelo umshwalense Pokemon. Ukuze "catch" egatsheni yasebhange uhlamvu abanikazi bamakhadi ukuthola ruble angu-50 ku-akhawunti ibhonasi.

muva Lokhu isithembiso usejoyine Sberbank. Wavula iwebhusayithi okukhethekile abadlali nge amakheli amayunithi 28, edonsa cartoon abalingiswa. abaphathi besikhungo zezimali sika ulindele ukuthi kahle bazokwazi ukuheha legatsha abadlali ngomdlandla. Uma, ngesikhathi ukuthunjwa omunye iklayenti Pokémon elimele, lo SC inkampani "Savings Bank Umshwalense wempilo" ukumkhokhela yomshuwalense ngenani esiphezulu abayizinkulungwane 50. Deda. Isicelo iqhaza kuhlelo kungaba zithunyelwe ngqo kusayithi.

Ukuze kuqhutshekwe isithakazelo abadlali, Sberbank ophethe mkhankaso "exhunywe Njalo". abanikazi ikhadi kusebenze "Avtoplatezh" kuze Agasti 18, ashona okungenani kanye - bese ngokudoba pokemon sesikweletu uzokhokha ibhonasi umdlali 500, "Ngiyabonga." Ngaphezu kwalokho, iklayenti uzodinga ukuthumela isithombe-inombolo yeselula emphakathini PM Sberbank Facebook noma "VKontakte".

"Tinkoff Bank" enikela ukwabelana yayo kule mibandela. iklayenti ngamunye, isicelo ikhadi lesikweletu Tinkoff -Google Play, isikhungo abolekise uzokhokha 2000 amabhonasi. Abakwazi ukukhokhela noma imiphi ukuthenga esitolo intanethi, kufaka phakathi umdlalo Pokemon Go (1 iphuzu = 1 ruble). Game, njalo ihlinzeka abadlali imali emuva konke ukuthengwa kwe-Google Play (10%), izindawo zokudla (2%) kanye nazo zonke ezinye ukuthenga (1%).