"Pension Plus" - umnikelo Savings Bank. Imigomo isithakazelo

Sberbank ingenye izikhungo ngobukhulu zezimali eRussia. amaklayenti wakhe - hhayi kuphela abameleli amabhizinisi nabantu ngabanye, kodwa futhi baseRussia abavamile ezingeni isilinganiso engenayo. Naphezu kunalokho umxhwele ezindinganisweni yasebhange, yobudala, ibhange namanje akalilahlile udumo yayo yangaphambili. Kunalokho. ikhasimende yayo base njalo olusha kanye abantu abasha. Futhi zonke ngoba lokho kule onazo has imikhiqizo zezimali eyenzelwe eyehlukene, kuhlanganise nabantu abadala. entsha uhlelo idiphozi "Pension Plus" yasungulwa ngqo kubo Okusanda. Iqhaza Savings Bank kuwo ungathola abadala ukuthi afinyelele izimfuneko ezithile. Funda kabanzi mayelana nomklamo kanye izici zohlelo kanye nezimo thina uchaze ngezansi.

Lonke okushiwo uhlelo in a Ngamafuphi

"Pension Plus" - umnikelo Savings Bank, okuyinto yakhelwe abantu umhlalaphansi. Kulokhu, kufanele ibhaliswe ku Pension Fund we Russian Federation noma izinhlangano ezingekho ngaphansi kukahulumeni, kanye uthola irhelebho elifaneleko zezimali.

Ngalolu hlelo okuthakazelisayo amakhasimende ayo yasebhange bangathembela imali eyengeziwe kusuka impesheni yakhe. Lokhu abaningi ngoba lokhu kulusizo olukhulu, ikakhulukazi ukungabi khona kweminye imithombo imali.

Savings: Umnikelo "Pension Plus", imibandela kanye amazinga

Uma unesithakazelo kulolu khetho lokutshala izimali, yilutho ufunde kabanzi mayelana nemibandela uhlelo okukugcina. Okuqukethwe idiphozi enjalo ngempela eminyakeni emithathu kuphela. Futhi kungenziwa kuphela lwemali kazwelonke. A idiphozi okungenani ungaqala kusuka 1 RUB.

Umnikelo iphathelene ezifakwa refillable nge kungenzeka extension nosonhlamvukazi. Usikisela imali ebhange ngokwengxenye futhi khona-non-ezivuthayo ibhalansi obuncane ruble 1 kuphela. Accrual nasithakazelo umnikelo kwenzeka njalo ezinyangeni 3. Kuyinto ngale mibandela futhi Sberbank. Izinga umnikelo "Pension-plus" kulokhu 3.5%, kanye ne ofeleba kwakhiwa - 3,67% ngonyaka. Ngaphezu kwalokho, imithombo yezokuzijabulisa ingadlulisela isithakazelo icala bese yengezwa kokuqala deposit lemali. Kulokhu, ukwanda engenayo okuyokwenzeka sekubika esilandelayo.

Uyini ofeleba yesibambiso?

I imali idiphozi - lokhu inzalo engeziwe kuleyo lemali yasekuqaleni umnikelo wakho. Le sevisi ikusiza ukuba uthole imali eyengeziwe yokwenziwa ngokusebenzisa ifomula eziyinkimbinkimbi ukuze ukubala inzalo. Akuve kumnandi futhi inzuzo.

Lapho futhi ngingakufakazela kanjani isicelo?

Ukuze wenze "Pension Plus" umnikelo Savings Bank, kuzomele uvakashele kwelinye lamahhovisi eseduze. Imibhalo uzodinga kuphela ipasipoti isitifiketi impesheni. Landelayo kuzodingeka kuphela usayine inkontileka yebhange awubeke yisiphi isamba ukuvula i-savings account. Noma ukusebenzisa kungenzeka ukuthi usebenzisa imishini kanye ATM lesikhungo credit, kanye Internet Banking "Sberbank Online" ngokubamba iqhaza ohlelweni.

Kanjani ukubala margin nzuzo ku idiphozi?

Ngaphambi kokuvala kuya Savings Bank ( "Pension Plus" - nomnikelo, inzalo isithakazelo nsuku wekota), kufanele isethwe izibalo ezifanele esizeni inhlangano yezimali. Ikakhulukazi, le njongo iqashe isengezo wokubala inthanethi. In the ukungabikho ukufinyelela kwenethiwekhi ukubala inzalo idiphozi uzobe abameleli ebhange.

Ngokucaca, sikunikeza isibonelo izibalo. Ngakho, uma wenza idiphozi ngesikhathi 12.29.2016 inani ruble 1,000, usuku kokuqedwa - 12.29.2019, elihambisana izinsuku 1096.

Phambi wetimali kwezinhloso zenzuzo, akukho ukuhoxiswa ekuseni lemali futhi njalo replenishment usayizi isilinganiso imali nyangazonke kuyoba ruble 3,06. Ngokuhamba yonke inkathi isithakazelo accrual Inani engenayo yakho kuyoba ulingana ruble 110,31. Kanye eyinhloko input bese udaba Savings. Umnikelo (piggy) "Pension Plus" inikeza inzuzo, usayizi okwandisa nobungako umnikelo oyinhloko.

Yiluphi ulwazi olushiwo inkontileka?

Ngaphambi kokwenza idiphozithi impesheni ukuba asayine isivumelwano sokubambisana. Kuyo, njengoba umthetho, idatha elandelayo:

• inani lwemali ekhethiwe;
• nezikhathi umnikelo;
• ukuvala usuku lokugcina idiphozi;
• Usayizi izinga ku idiphozi;
• inani lemali elincane iminikelo ezengeziwe izokhokhwa ngokheshe;
• Imvamisa iminikelo eyengeziwe;
• inani ezisalayo incombustible;
• inqubo ukubala inzalo, njll

Futhi kule dokhumenti ifaka yokuxhumana kanye nemininingwane zombili, kanti kwesinye isikhathi kuba abaphatheli impesheni. Ngemva sokuqinisekisa sedatha, kokubili party isivumelwano sisayinwe idokhumenti.

Ngingaba ukuvula idiphozi ngesikhathi esisodwa ku abantu abambalwa?

I "Pension Plus" (umnikelo Savings Bank) ayivumeli kuvulwa idiphozi abantu amaningi ngesikhathi esisodwa. Ivunyelwe yokubhaliswa amandla ommeli ukuthi nabanye abantu. Kulokhu, owayesethathe umhlala-phansi namanje umnikazi we-akhawunti eyinhloko. Nokho, abantu bakhe omethembayo kungaba ukuthola eminye imisebenzi, ezifana kokuthola imali egameni lakhe. Kulokhu, amandla ommeli ikhishwa mahhala ebhange. Inqubo akudingi ukuba khona umuntu owayesethathe umhlala-phansi ithemba ukuphathwa imali, kodwa idinga ukuqinisekiswa saziso nge ummeli olungisa izivumelwano.

Ingabe ikhona okukhuthaza zimali?

Iqhaza kuhlelo "Pension Plus" ufikela ngaphansi kwezimo ezimvunayo. Ikakhulukazi, icala isinxephezelo kwenzeka ku idiphozi ngamazinga aphakeme Inani kungenzeka. Ngaphezu kwalokho, leli phesenti akuxhomekile inani utshalomali sokuqala.

The kungenzeka prolongation okomnikelo

Ukwelulwa kwesikhathi lolu hlobo idiphozi kulindeleke. It wenziwa ngokuzenzakalela ngokuvumelana nemibandela yesivumelwano idiphozi.

Indlela inzalo enqwabelene?

inzalo enqwabelene phezu idiphozithi kwengezwe kwinani avelele idiphozi. Kodwa ngokusho ikhasimende ungazisusa ngokuphelele noma ingxenye kunoma iyiphi igatsha lasebhange noma usebenzise "Sberbank Online" inkonzo.