Izinhlamvu zesiliva zeSberbank: isithombe nezindleko

Kunoma yiliphi igatsha lasebhange, izinhlamvu zemali zesiliva ze-Savings Bank zithengiswa, okuvame ukutholakala njengesipho noma ukutshalwa kwezimali okuzuzisa imali. Lezi zemali zenziwe ngamakhosi wangempela wezingubo ezivela esiliva yekhwalithi ephezulu. Zibonisa iziqephu ezibalulekile zomlando ezivela empilweni yethu. I-Sberbank ixazulula izinhlamvu zegolide zesipho nesiliva. Kulesi sihloko, sizobe sithinta incazelo yemikhiqizo yakamuva, ngoba izitholakala kalula kubantu abathengi, ngokusekelwe ezindleko eziphansi zesiliva ngokuphathelene negolide noma i-platinum.

Izinhlobo zemali zesiliva

Lezi zinhlamvu zemali ziza ezinhlobonhlobo ezimbili: ukutshalwa kwezimali kanye nesigubhu (sikhumbule). Ngamunye wabo unemigomo kanye nezici zayo.

1. Imikhiqizo yokutshala izimali

Izinhlamvu zesiliva ezinjalo ze-Savings Bank zenzelwe ngokukhethekile ukutshalwa kwezimali zokulondoloza nokuthengiswa kwazo okulandelayo, uma kunesidingo. Ikhwalithi yensimbi esetshenziselwa ukwakhiwa kwezimali zemali inesidingo esiphezulu, okwenza umkhiqizo uzwele kakhulu emoyeni noma ngezandla zomuntu. Ukuze uqinisekise ukuthi izinhlamvu zemali azilahlekelwa umbala wazo futhi zingangeni emanani, kufanele zigcinwe ezimweni ezikhethekile ezibonakalayo.

2. IJaji kanye nezinhlamvu zemali ezigubhayo

Imikhiqizo enjalo igcizelelwe ochungechungeni oluncane, ibonisa imicimbi ehlukahlukene yomlando noma izinsuku, okubaluleke kakhulu kubantu bethu nasezweni. Ngokuyinhloko, lezo zinhlamvu zemali zifunwa phakathi kwabaqoqi-i-numismatists, iyisikhumbuzo esihle, esifaneleka njengesipho.

Uhlamvu lwemali "uGeorge onqobayo"

Le mali yokutshalwa kwemali iyinhlangano enkulu kakhulu. Yakhiwe ngo-2009-2010. Kusukela ngo-2011 kuya ku-2014, le mali yayimiswe okwesikhashana. Kodwa kusukela ngo-2015, lo mkhiqizo uphinde wakhiqizwa, uchungechunge lwamakhophi angamatshumi amahlanu. Imikhiqizo yenziwe ngesiliva 999, enesisindo esingaphezu kuka-31 amagremu, ngenani lombuso lama-ruble amathathu.

Uhlamvu lwemali "uGeorge onqobayo" luthengiswa ebhokisini elikhethekile elibonakalayo leplastiki, elifakwe ebhokisini lebhodibhodi, elikuvumela ukuba ugcine into ebalulekile ezimweni ezifanele.

Izinhlamvu zokuqala ezifana nalezi zenziwe ngegolide ngo-2006, kwavela isiliva. Okukhethwa kukho kokuqala futhi kuyisikhulu kakhulu ekukhiqizeni - ama-kilogram ayizinkulungwane ezingama-27 egolide eliphakeme kakhulu asetshenziselwa ukukhiqiza.

Izindleko zenguqulo yesiliva yale ngqangi i-ruble ayizinkulungwane ezingu-2.

Izindleko zemali yesiliva ye-Savings Bank

Izindleko zezinto ezichazweyo zihlukile futhi zihluka kusuka ku-2 kuya kwezingu-60 zama-ruble ayizinkulungwane. Intengo yemali ishintshwe ngokuyinhloko ngohlobo lwayo nenhloso yayo. Ngakho-ke, izindleko zememorabilia zithinteka ukusakazwa kwazo kanye nekhwalithi yezimali; Inani lentengo yezimali zokutshala izimali lilingana nenani lezensimbi ezenziwe kuzo.

Isibonelo, imali yesiliva ye- Sberbank: intengo yayo nodumo kuxhomeke ekubunzeni kwesikhulumi, ikhwalithi yesampula kanye nendawo yokudayiswa. Enhloko-dolobha, lezo zinhlamvu zemali zingabizi kakhulu kunamahhovisi wesifunda, ngoba ayikho izindleko zokulethwa kwemikhiqizo, okuthinta kakhulu inani lezimpahla.

Ngiziphi izinto zemali engingazithenga kusuka eSberbank?

Ibhange linikeza inani elikhulu lemikhiqizo yalo kusuka ezinhlobonhlobo eziyigugu ezidayiswayo. Kunezinhlamvu zemali zesiliva eziningi ezilinganiselwe kusuka kumuntu owodwa kuya kwezingu-ruble eziyikhulu, ezibonisa izigcawu zezenzakalo zomlando, izigcawu ezihlokweni zeMpi Yezempi noma yezemidlalo. Kunezinhlamvu zemali ezibonisa izilwane nezitshalo ezivela eBhukwini Elibomvu, izimpawu zodiacac, amathempeli namathredralals aseRussia.

I-Sberbank iphinda ikhiqize imali yemali yokukhumbula, ethandwa kakhulu phakathi kwabathelisi kanye ne-numismatists. Kulezi amakhophi kukhona izithombe eziqoshiwe ezizinikezelwe ezinsukwini zomlando nezenzakalo zomlando ezihlobene neMidlalo yama-Olympic eSochi ngo-2014.

Izinhlamvu zemali ezinemifanekiso yezibalo zomlando waseRashiya futhi zanikezele kwi-Great Patriotic War azikho othandwa kakhulu.

Umkhiqizo ngamunye unikezwa ngesitifiketi sombuso sekhwalithi. Zonke izinhlamvu zesiliva zeSberbank zenziwe ngamasampuli ahlanzekile angu-925 no-999.

Ungayithenga kanjani?

Ungathenga izinhlamvu zemali kunoma yiliphi igatsha le-Sberbank noma kwiwebhusayithi esemthethweni yenhlangano. Ukuze uthenge, udinga ukuba nomqulu wesazisi nawe kanye nemali edingekayo.

Ngemva kokuthengiselana, umthengi kufanele akhiphe amaphepha akhethekile aqinisekisa ukuthenga nokudayiswa: irisidi kanye ne-oda lentengo kanye nesitifiketi sekhwalithi somkhiqizo.

Uma ugcina imali ethile, khumbula ukuthi noma yikuphi ukukhubazeka okuncane noma ukukhipha phezulu kunganciphisa izindleko ngezikhathi eziningana. Ngempela, umuntu akazukuthola nje insimbi eyigugu, kodwa futhi uthola umsebenzi wobuciko.

Umphumela

Izinhlamvu zemali zesiliva zeSberbank zitshalomali ezithembekile kakhulu zokulondolozwa kwazo. Bazohlala besondelene nomnikazi wabo, akekho ozokwazi ukubanika ngesikweletu kumunye umuntu, njengoba amabhange amaningi enza ngamakhasimende abo. Ngakho-ke, ukulondoloza akuxhomeki kwingxenye yezomnotho yebhange. Ukwehla kwamandla emali kunciphisa izinga lokushintshanisa lwemali kahulumeni izikhathi eziningana kunalokho okwenzayo ngezinsimbi eziyigugu. Ngisho noma kunjalo: izintengo zegolide, isiliva ne-platinum ngokuvamile zidlula ibha eyamukelekayo yengqondo.

Futhi, kufanele kukhunjulwe ukuthi lokhu akuyona nje ukutshalwa kwemali yakho eqoqwe ngamatshe ayigugu, kodwa ukutshala imali emsebenzini omkhulu. Ngakanani imali yesiliva noma igolide yamaRuble eminyakeni eyikhulu edlule manje? Ngokwezilinganiso eziqine kakhulu, intengo yezinhlamvu zemali yama-tsarist izikhathi ezingu-3-4 izindleko zensimbi ngokwazo. Kungakanani manje okusemandleni ukuthengisa ama-ruble aseJobilee ejubeni ezinama-ruble angu-1 no-3? Okungenani ambalwa ambalwa, noma ngisho namakhulu amaningana inani lawo eliqokwe. Yingakho abantu abaningi bezama ukwethemba ukugcinwa kwabo hhayi ezinhlanganweni zebhange ezingahle zihambe nganoma yisiphi isikhathi, bese zifuna imimoya ensimini, kodwa isiliva nezinye izinhlamvu zemali emazweni ahlala kuwo. Amabhange, amazwe, abantu banganyamalala futhi bashintshe, kodwa isiliva nezinye izinsimbi ezibiza kakhulu zizohlala zibalelwa, futhi akukho lutho oluzokwenzeka kubo.