Indlela ukudlulisa Pension ikhadi Savings Bank? Pension ku ibalazwe Savings Bank: Uhlelo Bank asebekhulile

Kuwo wonke amaqembu kwezenhlalo eRussia kunazo zonke impesheni. Inyanga ngayinye, uhulumeni ubala kubo imali. Izinketho nokuthola izimali kancane. Ungaxhumana ne yamapasi ukuba igatsha ebhange futhi angenzi lutho yokukhokha emgqeni sokulinda. imikhakha ethile yezakhamuzi postman kuletha ekhaya imali. Kodwa zombili lezi ongakhetha akuzona elula kakhulu, ngoba kufanele uchithe isikhathi esiningi. Kungcono ukusebenzisa ikhadi lasebhange. Okuqukethwe kungaba kunoma iyiphi inhlangano yezimali. Ukuze uthole ukwaziswa okwengeziwe mayelana nendlela yokuthandaza uthumele impesheni ekhadini Sberbank, funda ku.

izinzuzo

Sberbank - kwekulu oqine kakhulu sesikweletu eRussia, okuyinto inikeza amakhasimende ayo nge ithuba elikhulu, uma kuqhathaniswa nezinye izikhungo ezifanayo. Kwabahola impesheni ezinjalo ezicashile ezibaluleke:

• Sberbank - inhlangano isimo. Esimeni somnotho uthuthumele okungenzeka ngokumiswa ubuncane.
• Sberbank kuholela kunombolo amagatsha eRussia futhi omunye amanethiwekhi esikhulu kunazo zonke emhlabeni eziyishumi sika. Lokho ukuhoxisa izimali kusuka ekhadini ingaba kuthunywa cishe kunoma iyiphi indawo yezwe.
• Lesakhiwo credit inikeza amakhasimende ayo nge isevisi yesevisi akhawunti akude. Nokho, akubona bonke abahola impesheni zilungele kahle yesimanje nobuchwepheshe Inthanethi. Kodwa ukuthola izaziso ze-SMS mayelana ukuthengiselana ekhadini yabo akusebenzi kube.
• Ikakhulukazi kulesi sigaba sama-izakhamuzi lakhiwe "ibalazwe social" we Savings Bank. Pension uyasho ukuthi ngaphandle ikhomishini.

inkokhelo

"Social" - a debit card Maestro isigaba. Amalungelo akhethekile ukusetshenziswa yayo kungukuthi enikeziwe phesheya. Kodwa ngaphakathi inethiwekhi kungaba isikhungo credit:

1. ngokuzenzakalelayo futhi njalo ukuthola impesheni ekhadini of Sberbank.

2. Ukusetshenziswa kwe insimbi yokukhokha.

3. ngokushesha futhi ngasiphi isikhathi sosuku ukudubula futhi credit card imali ngokusebenzisa ATM.

4. Thola imali eyengeziwe ka 3.5% ngonyaka ukuze ibhalansi ye-akhawunti.

5. Ukuze iqhaza kuhlelo ibhonasi "ngiyabonga" - ukuthenga imikhiqizo ehlisiwe Pharmacy kanye nomlingani ezitolo.

inqubo yokubhalisa

Ukuze uthole i-Pension ikhadi Savings Bank, kumele:

• Xhumana umnyango nge-ID kanye iphasiphothi.
• Yenza isicelo kuyi ikhadi.
• Thola eliphuma imininingwane ye-akhawunti.
• Amakhadi ayatholakala emavikini amabili. Ukuze uthole into yokukhokha, kubalulekile ukuba kabusha zisebenza egatsheni ebhange. Ngaphezu plastic, isisebenzi sikaHulumeni kufanele anikeze imvilophu ikhodi ye-PIN ukuhoxisa izimali kule ezikhumulweni.

Indlela ukudlulisa Pension ikhadi Savings Bank?

It is adluliselwa emnyangweni indawo yesitatimende PF ngeduplikhethi. Iqukethe imininingwane ekhadini, libito lalowo lobhalelwako nalapho, igama ebhange. Ukuze uthole ikhophi idokhumenti sisetshenziswa yamapasi uhola impesheni kodwa kudingeka usizo ukuvula i-akhawunti. Ikhophi eyodwa igcinwe PF. Ngosuku lwesibili kumele washaya phansi inombolo nosuku lokubhalisa okuthunyelwe. Lapha kubalulekile ukuba ucacise wonke amadokhumenti okuye sidluliselwe yesikhwama sempesheni. Uma isicelo sokudluliselwa impesheni ngu Sberbank ikhadi enikeziwe izinsuku ezimbalwa ngaphambi inkokhelo elandelayo, bese cishe, imali ngeke adluliselwe enyangeni elandelayo.

Ngemva kokubhaliswa isicelo ushintsho maturities. Uma kusizakale abahola impesheni ukuthola 12-13 kwenyanga ngayinye, ukudluliswa impesheni ekhadini le-Savings Bank zingase zephuze izinsuku 5. PF kumele ngokulinganayo ukusabalalisa izimali akhawunti.

ezicashile isevisi

Commission for kokuvula i-akhawunti ruble 10.

IBhange inikeza amaklayenti ayo nge-SMS imininingwane mayelana ukudlulisa imali. Ukuze abanikazi ikhadi "Social" Imali yezinyanga ezintathu zokuqala lizokhokhiswa. Phakathi yesondlo okwalandela kuyodingeka bakhokhe ruble angu-30. / Inyanga.

Abanikazi bamakhadi ukufinyelela ukuphela, lapho ungadlulisa yempesheni Sberbank isihlobo ikhadi, akhokhe Umbuso izikweletu, ashona ifoni, thumela nezinye izinkokhelo.

inqubo Imininingwane

Uma nganoma isiphi isizathu impesheni engafuni ukhokhelwe Sberbank ikhadi, ungenza i-Ukuqondisa kabusha. Kukhona zimo ezimbili.

Okokuqala, umnikelo "Pension Plus" ayikatholakali ivaliwe kanye yamapasi ezandleni zakhe. Kulokhu, kufanele uvakashele PF nokubhala mayelana nokwenqatshwa kokunikezwa ukudluliselwa ku-akhawunti yasebhange. Emva kokuthola inkokhelo akhawunti yokonga kuyadingeka ukuze uvale i-akhawunti nge isikhungo credit. Ngenxa yalokho i-operation enjalo, ukuphatheka kwezimpesheni ekhadini Savings Bank ngeke kwenziwe.

Okwesibili, yamapasi wafakwa ingobo yomlando. Kulokhu, konke ixhomeke ezimweni. Ungavuselela isevisi nganoma isiphi esinye sesikweletu ngawo ubambisana PF. Uma le ndlela akusebenzi, kuzodingeka ukubhala isicelo izinzuzo kuya eposini lendawo. Kunoma ikuphi, kangcono ukuxazulula inkinga ngokusebenzisa PF. abasebenzi Bank wahlanganyela yokubhalisa ukudlulisa ngeke.

Holdings

Kunesinye futhi isizathu, ngenxa okuyinto kukhona isithakazelo umbuzo kanjani ukuze uthumele impesheni ekhadini Sberbank. A sesikweletu unikeza lesi labantu ukubeka izimali zanqwabelana idiphozi nge izimo ezikahle:

- High lenzalo;

- Insurance ukonga;

- kungenzeka ukuze uthumele intshisekelo ngenyanga enqwabelene ku-akhawunti;

- ezifakwa kungenziwa agcwaliswa futhi roll.

Ngo-2015, Savings Bank ukhansele idiphozi target ngabantu abadala. Kodwa izimo ezikhethekile ezibekwe ekhona: iklayenti uthola izinga esiphezulu ohlelweni ekhethiwe. Imali zingabekwa ku-akhawunti ruble, amadola noma euro emagatsheni ibhokisi ihhovisi noma ngokusebenzisa "Sberbank Online".

Izinga lenzalo yemali mboleko in ruble kuhlanganise ukudluliselwa iminikelo nosonhlamvukazi liyashintshashintsha ngaphakathi kwemingcele ethile:

• "Gcina": 9,7-10,29%;
• "Ashona": 10,05-9,58%;
• "Pension Plus": 3,5-3,55%.

Isithakazelo uphansi. Wena zingahlelwa uma oyifunayo umnikelo kunoma iyiphi enye sesikweletu noma ukubeka izimali e izitifiketi ukonga. Kuphela esimweni sokuqala kuyodingeka uthole ebhange okuthembekile, futhi owesibili ukukhumbula ukuthi utshalomali ngisho ngaphansi 13,25% ngonyaka kungukuthi oVikelwe.

Nokho, uma lezi zimali ezifakiwe efanayo abathola isahlulelo ngokusebenzisa intanethi, izimo isithakazelo accrual engashintshi, futhi amazinga musa ukwandisa:

• "Gcina SHC @ dh": 10,5-11,34%;
• "Ashona SHC @ dh": 11-10,61% (iminyaka emithathu).

Ngaphezu kwalokho, impesheni, ekucubunguleni iyiphi esisemanzini Sberbank uyasijabulela uhlobo amabhonasi:

- Thola yamapasi;

- inzalo enqwabelene Ungaphinda uhlele inkonzo ukudluliswa ekhadini futhi ulisebenzise mahhala phakathi nonyaka walo wokuqala yesevisi;

- akayikhokhi intela, ngoba inzalo ezifakwa ngezansi izinga refinancing;

- singangezelela umnikelo, inkontileka singavuselelwe.

isiphetho

Kanye ngenyanga, yokudluliswa isimo ku-akhawunti yakwa-nesabelo impesheni. Ukuze uthole it, ngaphambili kwadingeka emgqeni eposini. Manje ababolekisi ukunikeza amakhasimende ahlele Into yokukhokha ukuze bathole izinzuzo. Indlela ukudlulisa Pension ikhadi Savings Bank? Kumele afake isicelo sakhe umnyango lenhlangano yezezimali ngesitifiketi futhi ipasipoti ukubeka umyalelo. Ikhadi uzolunga emasontweni amabili.