Indlela Yokuqeqesha Ngezezimali: Iminikelo ka-Sberbank Kuzakhamuzi Eziphezulu

Namuhla, abantu abadala asebekhulile bayashiya umkhuba wokugcina imali yabo ekhaya, basebenzise amabhange e-piggy bese bebuyela ezinkonzweni zasebhange. Lokhu kunenzuzo futhi kulula, ngoba inzalo ikhokhiswa ngenani elikhokhwayo.

Izici zeBhange Lokulondoloza

Enye yezinto ezinokwethenjelwa kwakunguSberbank waseRussia. Ama-deposit for pensioners, anikezwe yilo sikhungo sezezimali, ahlukaniswa namazinga aphezulu ezenhlalakahle.

Kungekudala nje, iSberbank yamemezela umkhankaso omusha weziphakamiso zokutshala izimali. Sebenzisa lezi zinsizakalo izakhamuzi zezwe eziseneminyaka engu-55-60 ubudala. Kumele kukhulunywe ngesipho esilandelayo, esenziwe yi-Sberbank, - ukufaka idiphozi kumaphesheni asezingeni eliphakeme.

Ukuze uvule i-akhawunti, udinga ukuba nemibhalo emibili nawe: ipasipoti nesitifikedi sempesheni. Ngaphezu kwalokho, kuvunyelwe ukukhipha amandla ommeli kwisihlobo. Kulesi simo, uzokwazi ukukhulula ngokukhululekile imali yakho. Inzalo ikhokhwa nyangazonke, kepha ingezwa imali ekhokhwayo. Ochwepheshe bathi iminikelo ka-Sberbank yokuthatha umhlalaphansi izoletha imali engaphezulu uma uvula i-akhawunti isikhathi esingenani iminyaka engu-3. Njengoba singabona, inhlangano enkulu yezezimali yaseRussia iphinde inakekele abampofu.

Amasheya eSberbank kubantu abahola impesheni

Iyiphi i-banki enkulu kunazo zonke enikela ngayo asebekhulile? Iminikelo ka-Sberbank kwabahlala emakhaya ihluke ekuhlukeni kwabo. Zahlulela wena.

1. "Gcina." Idiphozidi nesithakazelo esiphezulu. Ivela ku-5.5% kuya ku-8%. Uma uvula le diphofithi, ayivunyelwe ukugcwalisa noma ukuhoxisa izimali. Isitolimende sokuqala kufanele okungenani kube nezinhlamvu ezingu-1000. Ungafaka ama-dollar noma ama-euro ku-akhawunti. Inani lalingaphansi kwezingu-100. Isikhathi esiphezulu sokuvula idiphozi singaphezulu kweminyaka engu-3. Noma kunjalo, isikhathi esincane sivumelekile.
2. "Engeza". Le diphozi izosiza ukulondoloza imali edingekayo. Akugcini nje kukuvumela ukuba uhoxise inzalo, kodwa futhi ikunika elinye ithuba lokugcwalisa i-akhawunti nganoma yisiphi isikhathi. Isilinganiso sonyaka sisuka ku-5.55% kuya ku-7.25%. Isamba sesitolimende sokuqala yi-ruble 1000 noma i- dollar eyi-100 (i-euro). Inkontileka ingaphelelwa yisikhathi seminyaka emithathu.
3. "Ipensheni kanye." Lo mnikelo ulungile kubantu abahola impesheni. Ungadlulisela yonke impesheni noma ingxenye yalo kule diphofithi. Ayikho imikhawulo ekubuyiselweni kabusha noma ekuhoxisweni kwezimali. Inzalo yonyaka ngu-3.50%. Yiqiniso, ibhange labo likhokhela lolu hlelo kanye nekota.

Zonke lezi zindleko zeSberbank zempesheni zenza kube lula ukuphatha izimali zakho ngokulinganayo. Ngokukhethekile ujabule nethuba lokukhipha ikhadi elikhethekile lomphakathi, elibizwa ngokuthi unentshisekelo kwidiphozi. Akukhona njalo umuntu osekhulile onethuba lokuvakashela igatsha lasebhange, futhi ngeke kube nzima ukuthola i-ATM eseduzane.

Izitifiketi ezisuka ku-Sberbank

Ngifuna ukuphawula kuphela iminikelo yeBhange le-Savings kubantu abahola impesheni, kodwa nezitifiketi zokulondoloza. Lokhu kuvikeleka kungathengwa kunoma yiliphi igatsha lebhange. Kudingekile kuphela ukucacisa inani lomzimba nokuvuthwa. Amaphesenti avela ku-0.1 kuya ku-10%. Ngemuva kwesikhathi esithile, ungakwazi ukukhokha isitifiketi, ngenkathi ukhokhelwa ngenzalo.

Ekuphetheni, ngifuna ukusho ukuthi uSberbank uye wajabula iminyaka eminingi ngokuzinikela kwayo nokuthembela, ngaphandle kokushiya abahola impesheni endleleni.