Savings isitifiketi Sberbank: isithakazelo. Sberbank izitifiketi lwezikhali

Enye yezindawo lapho kungenzeka ukutshala isivuno sisiningi kakhulu khona izimali - isitifiketi ukonga. Lena yesibambiso esiqinisa isibopho esiphathelene ne-yasebhange ukukhokhela ethile umuntu ngokomzimba. Hlobisa kuyo noma yisiphi isikhungo credit. Russian Sberbank izitifiketi yokulondoloza, inzalo futhi ingaphezulu lonke umnikelo wenhlangano, bayindlala emakethe. Njengoba ngaleso 17.11.2014, e nokusakazwa ayizinkulungwane 26. Amafomu onamafa Imininingwane ruble 14.5 billion. Lena ngenxa yezizathu eziningana: nokuvikeleka funa yenziwa ngokushesha, kungaba angadluliselwa kwabanye futhi ukumangalela inkokhelo ngaphambi kwesikhathi ebesibekiwe. Kulesi sihloko uzofunda kabanzi izimo isitifiketi esikhishwe nezikhalazo we Savings Bank ngaphansi kwazo (isithakazelo, okuyinto uthembisa ukukhokha umnikazi lesikhungo, isikhathi kanye nenani ezifakwa kuyobhekelwa).

utshalomali

Abantu abanale esikhululekile imali, ngesikhathi esithile bemangele lapho ukutshala ke. Ukutshala imali ngamasheya kudinga ulwazi oluthile. amatshe ayigugu musa ukhiqize engenayo isilungisiwe. Ukuze kuncishiswe ingozi, kungenzeka ukutshala e kwezezimali yesikhungo semfundo ezinkulu zomphakathi, okungukufa Savings Bank:

• izitifiketi, inzalo zazo ikhokhwe ngesilinganiso esiphezulu (10%);
• ezifakwa ukuthi insured umnikelo ngomusa, kodwa ukuletha inzuzo kakhulu.

isitifiketi Izici

Ezokuphepha isidingo itholakala kuphela ruble Russian isikhathi 3 kuya ku-36 izinyanga. Nweba kungaphumeleli, kufanele akhiphe esinye isitifiketi Sberbank. Inzalo ibalwa inani lemali elincane 10 eyinkulungwane. Hlikihla. ngesilinganiso fixed. Inombolo izibambiso, elithi inzuzo yabo kanye kwenani eliyimali wemali kungacacisa ukuthi izinga kwibanga ecacisiwe. Ikhasimende unelungelo nganoma yisiphi isikhathi athumele ukuba wokuhlengwa isitifiketi Savings Bank. Isithakazelo kulokhu izoguqulelwa ngesilinganiso "ngokufunwa".

It lingathengiswa, kusale bequest, isipho, esetshenziswa njengoba eseduze noma tekubala. Uma Kuyaphuthuma ukutakula isizumbulu semali nesikhathi ukusebenzisa ibhange khona, ungavele ukunikeza isitifiketi kumuntu wesithathu esikhundleni imali. Okubaluleke kakhulu, isikhathi sakho sokuba semthethweni ayizange yaphela. Lokhu kuyinzuzo enkulu yalolu hlobo CB. Iklayenti ungakhetha, lokho lemali kufanele uvule idiphozi "izitifiketi ukonga". Sberbank eRussia, futhi kwezinye izimo, uyahamba ukuhlangabezana futhi udaba amafomu okweqa esinqunyiwe. Lokhu CBA iyithuluzi onokwethenjelwa amathuluzi ukugcina, njengoba nje iye degrees eziningana Ukuvikelwa. Kungcono ukuthenga abantu abahlose uthumele eningi, kodwa ungafuni ku lo msebenzi waba intela ezaziwayo. Yingakho-Ministry of Finance uhlongoza ukususa le insimbi wezimali kusuka emakethe.

ukuthenga

kuphela passport iyadingeka ukuze kucutshungulwa kuthengiselana. Ngo yesibambiso kufanele igcwaliswe onke amasimu. Ukuswelakala kokusebenza ngokuhlanganyela umbhalo kwenye imininingwane kwenza sedokodo:

• igama "we Savings Bank Certificate Idiphozi";
• isithakazelo ukusetshenziswa umnikelo;
• kokukhipha isizathu;
• Usuku lokubhalisa;
• usayizi idiphozi (ngenani nangokuhlonipheka kwayo ngamagama);
• Ukuzibophezela kwemibandela ngokuvuma yasebhange ukuze ibuyisele le mali;
• usuku funa;
• ikheli Umkhiphi sika;
• nesignesha ezimbili credit ejensi ochwepheshe, ukuphrinta staple.

Sberbank izitifiketi isiRashiya, isithakazelo, izimo inkonzo

On 24/12/2014, imali kulezi izibambiso:

Nazi imigomo lapho ungathenga Savings Bank of Russia Savings Izitifiketi. Isithakazelo ikhokhelwa ekuvuthweni. Yathi kwifomu ukuthi amazinga asethwe ephakeme kunaleyo ku imali. It ngempela. Isitifiketi e inani ayizinkulungwane 100. Hlikihla., Yikuphi kuyolethwa ukuvuthwa ezinsukwini 367, uyoletha ngemali 12,25% semali idiphozi, isb. E. 12 ruble 557,53. Idiphozi "Londoloza" ngaphansi kwezimo ezifanayo kuhlinzekelwe inani lenzalo kuyinto 8,25%. Lokho kuyinto inzuzo ruble 8 647.12. Kufanele kuqashelwe ukuthi le sivuno izibambiso anikezwe 10-50 THS. Hlikihla. cishe zero. Ngakho-ke kuyinto inzuzo engaphezulu ukuthenga zokuphepha olulodwa inani lemali.

Uma isitifiketi ukonga kwesikhathi ukuhlengwa Sberbank, isithakazelo uzokhokhelwa 0.01% inani lenzalo yonyaka. Central Bank noma ngasiphi isikhathi kufanele idluliselwe wesithathu. Ukuze usilungise e imibhalo akudingeki. Kodwa lo msebenzi kungenzeka kuphela inkathi idiphozi.

ezinye izinketho

Ngaphezu Sberbank, isitifiketi waseRussia angathengwa kwezinye izikhungo. Kodwa ngezilinganiso nokutholakala kwezinsizakalo kungehluka ngezifunda. "TCB" silungiselela lo mkhiqizo oda, amafomu ayefike nazo evela eMoscow izinsuku 2-3. Uma iklayenti uzimisele ukulinda, angababaza ukutshala inani ayizinkulungwane 10. Hlikihla. isikhathi izinyanga 3 kuya eminyakeni 2 ngaphansi 9-11,5% ngonyaka. Kwezinye izinhlangano, izitifiketi ukubizwa ngokuthi VIP yomugqa, futhi "embundwini" at kubo kuphezulu kakhulu. Ngakho, ngo-"IBA-Moscow" deposit lemali iqala engama-ruble ayizigidi ezingu 0.5, futhi "Bank of Moscow" - ruble ayizigidi ezingu-3,5. Ukusungulwa amagatsha e-dolobha kungenziwa etshaliwe kanye 200 ayizinkulungwane. Hlikihla.

izinhlobo

Kukhona futhi izitifiketi siqu. Ziqukethe ulwazi mayelana umnikazi. Ukudluliswa Central Bank esebenzisa isabelo - ukunikezelwa. Ifomu senzelwe kulo mkhakha okhethekile ngemuva. Uma isitifiketi idluliswe izikhathi eziningana, futhi omunye "izingxenye" uwela, idokhumenti iba ayivumelekile.

izinzuzo

Abasakwazi eziningi:

• ezithela eliphezulu;
• iphakethe ubuncane kwemibhalo sokubhaliswa;
• Mobility: Umkhiqizo kungenziwa Cashed noma banikele nganoma yisiphi isikhathi;
• ukudluliselwa kwamalungelo Kwenziwa ukulethwa nje yefomu kumuntu wesithathu;
• Ungakwazi zethulwe ukuze inkokhelo kunoma iyiphi nasemzini Russian Federation;
• yokukhokha kumele uxhumane mnyango nge passport futhi isitifiketi;
• ungalulama ezinkantolo uma kwenzeka ukulahlekelwa yebhange bamalungelo imali.

nebubi

I yokuntula eyinhloko "isitifiketi ukonga" Product Savings Bank:

• Inzalo kanye ingozi kakhulu. Lezi Central Bank akusho iqhaza ohlelweni umshwalense idiphozi. Labo amaphesenti, okuyinto ibhange uyokhokha DIA, abuyele iklayenti. Ngakho-ke, uma ucabanga of umkhiphi noma sokwesulwa abantu ilayisensi ngeke bakwazi ukuthola izimali zanqwabelana kusukela zibambiso;
• uma ukulahlekelwa Central Bank akuyena umuntu okuzisholo yesithathu kungase uwulethe yokukhokha kuya Savings Bank;
• izitifiketi (amaphesenti ibalwa ifomula elula) unganikezi ofeleba;
• Iphepha akuyona phindisela nhlobo amagatsha lesikhungo credit;
• phezu ekuseni isethulo izinga kuyehla kube 0.01% ngonyaka;
• ukunweba ubuqiniso Central Bank bengayi.

Ezinye izibalo

Ngo-February 2015, esiphezulu ngesilinganiso ku izitifiketi kwaba 13.28%. Ngokwe-Central Bank, inkomba efanayo for imali eduze uphawu ukuze 13,85%. Lokhu ingaphezu kwe-amanani ngokwesilinganiso ku okuzisholo Central Bank (12.92%), kodwa kancane lwezikhali izitifiketi (15.71%). Izinga esiphezulu kwalo mkhiqizo engu-18% ( "FiaBank") futhi 16.5-17% (UBRD).

Umshwalense Kusengenzeka

Nge ukukhanga okwandisa isevisi ahlinzekwa DIA yasebhange umphakathi cabanga inketho yokunikeza izitifiketi isamba esingama-ruble angu-3 million. Credit izikhungo kudingeka eside ubhale izinkinga ezihilelekile. Imithombo kumiswa zabo bangaba eqinisekisiwe. Ngokusho ACB, eminyakeni engu 5 eyedlule abaseRussia imali ku Bank ruble 1.4 trillion. Yini elandelayo kusukela kulesi siphetho? Uma sicabanga ukuthi isikhathi isilinganiso inzuzo zaba iminyaka engamakhulu 3, ematfuba izitifiketi kusetshenziswa nemisuka nezikweletu eside kakhulu.

isifinyezo

Nge izimali, abantu angakwazi ukulungisa nabo kwezezimali. Ngokwesibonelo, Savings Bank ukukhipha izitifiketi lwezikhali, inzalo ku futhi ingaphezulu kwezinye imali. kuphela passport iyadingeka ukuze kuthengiselana. ifomu Yethula kungcono ukukhokha ekupheleni kwethemu yayo, noma senzalo kwehle kuze 0.01% ngonyaka, okuyinto disadvantageous kakhulu. Izinga eliphezulu inzuzo kungenxa yokuthi inkokhelo kokutshalwa enjalo ayiqinisekile yi Idiphozithi Insurance Agency. Ngakho-ke, ibhange okhokhela ikhasimende umvuzo ephakeme.