Umnikelo "Gcina" (Savings Bank): Isithakazelo nemibandela. Kuyini inani lenzalo okomnikelo impesheni "Gcina" e Sberbank eRussia?

Sberbank eRussia ngonyaka odlule ivule eziningi idiphozi izinhlelo, ngamunye okuyinto ezikhangayo ngendlela yalo. Noma yimuphi umbono senzelwe isigaba oluthile lwabantu. A omningi ukunakwa isikhokhiwe ekuthuthukiseni idiphozithi yanoma izithakazelo impesheni izinhlelo. Bona seziyatholakala izimo nenzuzo kakhulu lobambiswano. Phakathi imikhiqizo best of ebhange Kuyaphawuleka okomnikelo "kulondoloza". Sberbank owunikelayo amafomethi eziningana.

Yini ehlanganisiwe uhlelo "kulondoloza"?

I "Gcina" kusukela kekulu yasebhange Russian kuhloswe abantu abahlela buthelela imali ngokuthenga ezinkulu. Accrual inzalo isamba semali esidiphozitiwe kwezimali kwenzeka iqhinga eziyinkimbinkimbi. Uma umnikazi Akayisusi umnikelo ngaphandle kwenkokhiso, basuke kwengezwe kwinani avelele idiphozi, futhi ngemva kwalokho ngeke ukhokhiswe ngaleso kakhulu inani idiphozi kanye nenzalo. Yimali ikuvumela ukuba uthole inzuzo esiphezulu kusukela ngokubambisana ne ebhange. Manje kube lula nje kuphela ukulondoloza imali yabo, kodwa futhi ukwandisa kubo. Umnikelo "kulondoloza" Savings Bank inikeza kulabo amaklayenti ngubani ngokungathí sina uhlela ikusasa futhi unakekele esizayo.

General Izimo of umnikelo

Lolu hlelo kuhloswe ngalo isikhathi inyanga 1 kuya eminyakeni emithathu. Ubuncane eside ngokubambisana ngenxa yokuthi ukuthi accrual inzalo njalo ngenyanga. Umnikelo "kulondoloza" Savings Bank inikeza ukuvula kwelinye zezimali ezintathu: aseMelika, euro futhi ruble. Kuye lwemali kanye isikhathi partnership izokhetheka senzalo. Izimo "kulondoloza" anikelele Savings Bank engabondli abakubo kungenzeka umthamo wemvula. ukuhoxiswa kwengxenye ayitholakali. Ubuncane deposit lemali incike lwemali. On ruble akhawunti kudingeka ukubeka amayunithi okungenani 1,000 ngemali dollar kanye euro - kusukela $ 100 futhi euro 100 ngokulandelana. Inani eliphelele izimali ukuthi zingafakwa ku-akhawunti alikho. Izinga esiphezulu idiphozi iyatholakala noma impesheni noma abantu abangenalwazi baba ku-akhawunti yakwa-inani ruble ezingaphezu kuka-2 million, noma dollar ayinkulungwane 100, inkulungwane 100 euro nenkathi eyiminyaka engu-3.

Yini umnikelo iphesenti inikeza?

Umnikelo "kulondoloza" Savings wenza nezimo kakhulu. Izinga lenzalo yemali mboleko ku idiphozi uzobe kwakhiwa kuncike ezicini eziningana: lwemali ye-akhawunti, isikhathi ubambiswano, inani izimali ku-akhawunti. Izinga ubuncane is anikezwe ama-akhawunti 7.2%. Maximum - 10,29%. Dollar akhawunti abaqhubeka izinga 0.75% kuya 3.98%. Evroscheta etholakalayo ngesilinganiso 0.75% kanye 3,88%. ikhasimende ngalinye le-isikhungo sezezimali ekhetha esikahle kakhulu kuye lobambiswano isikimu. inzalo enqwabelene kungaba ukungezwa ingxenye eyinhloko idiphozi noma cash ukuhoxiswa gumbi engangikulo. amacala Translation Ivunyelwe ekhadini ebhange.

"Yonga" kwabahola impesheni

Savings idiphozi "Gcina" kwabahola impesheni inikeza ku ekhethekile, imigomo ehlukile. yobudala ngamunye amaklayenti umhlalaphansi, ngaphandle kokubheka inani idiphozi, uthola isilinganiso esiphezulu kuhlinzekelwe isikhathi ngokubambisana ngamunye. Kunoma isiphi isimo, inani inzalo enqwabelene ngeke uhambisane ukuthi izimali baba, abenze idiphozi inani ruble 2 million, kusukela emaRandini ayizigidi eziyinkulungwane 100 noma euro. Uma ikhasimende ye ibhange esikhathini esebenzayo yesivumelwano idiphozi uyofinyelela umhlalaphansi, bona siyonikwa izimo ngokubambisana oyithandayo kwabahola impesheni.

Indlela yokuvula idiphozi?

Pension iminikelo ukuba "balondoloze" Savings Bank of Russia ingatholakala ngasiphi legatsha le isikhungo sezezimali. Enough ukunikeza ipasipoti ebhange umsebenzi noma yimuphi omunye umbhalo ngesithombe, okungase baqinisekise ubunikazi iklayenti. Abantu abangekho izakhamizi yezwe, kodwa ngubani nginazo enemvume esemthethweni ukuze uhlale kulo, noma esinikezwe imvume yokuba yisakhamuzi, kwanele ukuba unikeze noma ikhadi lokuzazisa noma ikhadi ukufuduka. Uma uhlela ukuba uvule idiphozi egameni isihlobo esiseduze, uzodinga imibhalo ezingase uqinisekise Iqiniso nokuzwelana. Imibhalo engeziwe olusemthethweni akuzona kudingekile uma kuvulwa idiphozi nge-ATM, ukugcina noma online ngokusebenzisa "Sberbank Online". Kulesi simo, kufanele kube ikhasimende olusemthethweni lenhlangano yezezimali. Lapho uvula i-akhawunti ehhovisi, ngemva kokubhaliswa yesivumelwano, kodwa ngaphambi kokungena ngemvume, kumele imali kwi-akhawunti nganobe ngutiphi tindlela.

Ukuvula Idiphozithi inthanethi: ngayo ukunikezwa nenzuzo kakhulu

Russian Sberbank umnikelo "kulondoloza" izipesheli ukuvula hhayi kuphela ehhovisi kodwa futhi ekhaya, ngokusebenzisa "Sberbank Online". Buhle lokhu design inkontileka format - iphesenti ephakeme yesibambiso. Nakuba nokugcina izimo ngokubambisana ruble ezifakwa zizogcinwa ngesilinganiso 7.5 kuya 11,34%. Dollar akhawunti angavulwa nge rate 1 kuya 4,24%. akhawunti Euro uzobe serviced ngesilinganiso 1 kuya 4.14%. Zonke izinzuzo atholakale impesheni, ukubhaliswa eqhelile umnikelo ahlale. Imali ku-akhawunti angadluliselwa sikhungo credit card Sberbank. Umnikelo ukuba "balondoloze", okuyinto bakhangwa isithakazelo yobudlelwane, ihlala omunye imikhiqizo kangcono imali kanye ekuqongeleleni imali emakethe yasekhaya.

Early ukuqedwa kwesivumelwano ku ngokubambisana nokwelulwa yayo

Uma ikhasimende yasebhange enquma sokuqeda isivumelwano sokuba nguzakwethu, lapho sicabangela isimo Uyosho kwesikhathi ngawo yawo yasekuqaleni ukuba banikele imali. Uma nokubambisana kuhlelwe ukuthi semthethweni kuze kube izinyanga 6, bonke ababalwe isithakazelo kusukela ngosuku ukusayina kwemibhalo kanye phambi ukuqedwa ngokubambisana uzokhokhelwa, kodwa ngesilinganiso esingamaphesenti idiphozi "ngokufunwa". Uma ikhasimende ubeke indlela isikhathi esiyizinyanga ezingu-6 noma ngaphezulu, inzalo ekhokhiwe ukuze aphule ngokubambisana kuzohambisana lamanje 2/3. Kunoma isiphi isimo, ukuqedwa kwenkontileka ne ibhange ngokuthi yinzuzo eziyinkinga.

Uma iklayenti ekupheleni partnership akususi imali yabo, ubambiswano uyaqhubeka ngokuzenzakalelayo. imigomo elondolozwe iklayenti okokuqala ukubeka imali yabo, kodwa izinga singashintshwa, uma ngesikhathi ukudluliselwa iminikelo nezimo ezintsha ubambiswano. Uma kukhona isifiso sokuqhubeka ngokubambisana neNhlangano isikhungo sezezimali ukunikeza isitatimende akudingekile. Imikhawulo ku isici inani nokuvuselela okomnikelo alinikezi Sberbank. "Gcina 'umnikelo umhlalaphansi sandisiwe abangajeziswa noma kunqanyulwe isivumelwane ngaphansi kwezimo ezifanayo. Uma umuntu ngaphansi kwezimo ezithile kwadingeka isikhathi ukususa umnikelo ngaphambi ukwelulwa inqubo, kubalulekile ukubhalisa ukuqedwa kwesivumelwano ngokwemibandela jikelele.

Izinzuzo "kulondoloza" nomnikelo futhi ngokubambisana ne Sberbank

Uma ucabangela iminikelo emakethe yasekhaya zezimali, sikwazi ukukhuluma isikhalazo eziyingqayizivele izinhlelo ezihlinzekwa Savings Bank of Russia. Umnikelo "Gcina", inzalo lapho enye yezindawo ezinkulu kakhulu emakethe, kuba umkhiqizo omusha ingashintshwa ukuze izidingo zanamuhla abantu. Kungaphawulwa isikimu nezimo lobambiswano kanye idiphozi okuncane kokuqala, okwenza isiphakamiso atholakale iningi lezakhamuzi Russian. izimo noku kwabahola impesheni kungandisa dolobha. indlela ngamunye ngamunye futhi ithuba wonge imali hhayi kuphela in ruble, kodwa kumadola noma euro - uhlobo ithuba ukuhlukanisa izingozi. Kalula ngokubambisana inikeza ithuba ukuvula idiphozi nganoma isiphi isikhathi ku-intanethi. Ukungeza ukuthi Sberbank has isimo amabhange enokwethenjelwa kakhulu Russian.