Kwemali Foreign ama-akhawunti e-Savings Bank abantu ngabanye: indlela ukuvula i-akhawunti?

Savings Bank okwamanje inikeza amakhasimende nomklamo walo iminikelo, kuhlanganise ovulekile futhi zakwamanye-akhawunti e-Savings Bank abantu ngabanye. Ungakwazi ukuvula idiphozi akhawunti e-euro, amaphawundi, yen futhi franc. Kodwa ukuthandwa enkulu US dollar, njengoba ruble wayesengaba eshibhile noma ezibizayo, kanye US dollar bezimi fixed izikhundla emakethe lwemali, kuye ngokuthi ukuzinza komnotho.

Yiziphi zakwamanye ezifakwa kule Savings Bank?

Sberbank Kwenziwa ukunwetshwa njalo amasevisi umugqa. Lokhu kusebenza futhi imali. Kuye ngokuthi yiziphi isigaba osebenza ku isakhamuzi futhi yini imigomo utshalomali, ethandwa kakhulu kukhona ruble futhi currency angaphandle akhawunti alandelayo e Sberbank abantu ngabanye:

1. Ithemu imali - zihlukile kwabanye ukuthi kusho ukuthi ungakwazi engxelweni ezinyangeni ezintathu ziye eminyakeni emithathu.
2. Long-term imali - kuhloswe ukuthi inkontileka kuyoba evumelekile okwesikhathi esilinganiselwe kuphela umnikelo ngaphansi lolu hlobo idiphozi. Ngokuvamile, le nkathi isukela enyangeni kuya eminyakeni emithathu.
3. Imali wavula e-inthanethi - lezi ezifakwa zihlukile ukuthi angavulwa ukude. Ngaphezu kwalokho, amakhasimende avamile ahlinzekwa izimo ezikahle, ngenxa okuyinto kungenzeka ukwandisa imali yesibambiso, ngisho noma behlezi emakhaya kukhompyutha.

Ukuvula izimali zakwamanye amazwe akhawunti e Sberbank kunezinzuzo ezithile futhi ubuqili, ngakho-ke qiniseka zonke izimo kufanele kucatjangwe ngako ngekucophelela, ephumela umnikelo okwengeziwe hhayi ihlangabezane nezimo ezingalindelekile nokungaboni ngaso linye.

Ngu lokho amaphesenti dollar evulekile ezifakwa?

Yokugcina senzalo noma iyiphi iminikelo incike lemali ezibekwe phezu kwawo futhi isikhathi sokusebenza. Ngakho, elikhulu lemali kanye nesikhathi, ayanda isithakazelo.

Ngaphezu kwalokho, ibhange isimiso "Sberbank Online". Vula i-akhawunti currency angaphandle kungaba futhi kukhona. On yonke imali lapho uvula ebhange Inthanethi ngisho kancane anda inani lenzalo ngo 0.25%.

consultant Bank zingafundiswa nabanye hhayi ezingenawo la mathuba amazinga ezokwenza ezikufanelayo. Manje ake sixoxe uhlobo umnikelo yomuntu ngamunye - yilokho abayikho, ngoba zivulwa esingakanani, okuyinto babe nesithakazelo nokunye.

"Gcina"

Ngokuvamile, ngisho ruble umnikelo enenzuzo kakhulu, ikakhulukazi abadala, ngoba ngalo enkulu kunezinye. It unikeza umnikelo isikhathi esingangenyanga ukuze iminyaka emithathu. Ukususwa nokusebenzisa izimali ngoba kungukuthi enikeziwe.

"Ashona"

umnikelo Ngaphansi inzuzo. Izinga lenzalo yemali mboleko kancane ephansi ngezinye 1,35-3,75%, kodwa kuqagulwa kwaqedwa umnikelo ngesikhathi sonke isikhathi. Uthwebule lapha, kanye nomnikelo langaphambilini, hhayi enikeziwe. Kuphinde kuvule isikhathi esingaba izinyanga ezintathu kuya eminyakeni emithathu. Inani ubuncane yokubhaliswa singu eziyikhulu zamadola.

"Phatha"

Lokhu iminikelo abantu abakhetha ukuphatha izimali zabo. Uhlinzeka nokususwa, kanye nokwethulwa imali, kodwa lokhu idiphozi iyona aphansi senzalo, futhi kuyadingeka ukukhumbula. Ngaphezu kwalokho, okungenani deposit lemali kufanele kube hhayi ngaphansi kuka dollar ayinkulungwane. Le akhawunti lwemali e Sberbank eRussia ine inani lenzalo ka 1.33 ukuze 3.35%.

"Savings Account"

Kukhona uhlobo olulodwa elula imali, ngokuthi "i-savings account." Kufakiwe kubo inzalo sakugcina kakhulu, kodwa ephelele lezo amaklayenti, ngokuvamile okudingeka ukuhoxisa izimali, njengoba lo mlando uzobonisa kubhekwe evumelekile ngisho noma ibhalansi zero, futhi uzokhokhiswa inzalo yemali mboleko emalini esele asele.

"Idiphozi Savings Bank of Russia"

Omunye ethandwa phakathi izakhamuzi akhawunti wezwe lethu zakwamanye ngesikhathi Savings Bank. Isithakazelo kwalo zokhahlamba kusuka 1.2 kuya 4.5%. Lokhu idiphozithi ukuvulwa amadola angamakhulu amathathu. Ukuhlola kungaba isukela enyangeni kuya eminyakeni emithathu.

Indlela yokuvula zakwamanye-akhawunti e-Savings Bank abantu ngabanye?

Ngaphandle ukuthi lo mthethosivivinywa kungenziwa ekhishwe ruble, njengoba kushiwo ngenhla, beba ngokuya ithandwa e-akhawunti lwemali. Lokhu zingachazwa ngezinqubo yokuthi amakhasimende uthanda ukuzinza, ukutshalwa kwezimali kwenziwa lwemali uzinze ngokwengeziwe.

Ukuze uhlele, sicela ukusebenzisa ngqo Savings Bank. Izinto ezisemqoka akhawunti izimali zakwamanye amazwe zizonikezwa ezandleni zakho uma kunesidingo. Ukuvula nje ngokwanele ukwethula i-passport.

umnikelo Ikhishwe ngehora elilodwa. Ukuze abasebenzi yasebhange inqubo evamile, ngaphezu kwalokho, ukuqoqwa zonke kunesidingo imibhalo ngezolwazi futhi ukukhiqiza yayo.

Ngaphambi evulekile currency angaphandle-akhawunti e-Savings Bank abantu ngabanye kufanele uthintane nokuxazulula yonke imibuzo kungabikho ukungaqondi olunye njalo. Futhi, uhlole izinzuzo nezingozi utshalomali ngawe.

Okulandelayo, nqumani indlela ngaphansi kwaziphi tariff Savings Bank kuzovula akhawunti lwemali. Map ayitholakali ukuze iminikelo, kodwa ungathola zamadola plastic ayesifuna ngabomvu futhi ashona umnikelo wakhe.

Ngemva isinqumo sokugcina kuyakuba lisayinwe inkontileka ne ebhange. Khona-ke wangena yiklayenti ngezithukuthuku izimali ezidingekayo - futhi zonke kuzokwengezwa inzalo yemali mboleko. Ubuncane deposit lemali kuzoya kakhulu ngokuthi yikuphi ncamashi babe izimo ekhethwe iklayenti. Zonke ukwakheka lwemali kuyakuba ngokuhambisana nomthetho.

Ngakho, lapho uvula i-akhawunti izimali zakwamanye amazwe e zezimali angaphandle kunezimo eziningi ngokushesha avele. ukutshalwa kwezimali okunjalo kufanele enkulu kunezinye, ngokungafani Rouble imali. Ngaphezu kwalokho, kwamanye amazwe kalula imali hhayi ukuba ukhokhele ukuguqulwa yabo.

Ngisho noma ukudluliswa ngizoya cashless, usengakwazi ukuba selishintshiwe phandle. Ungase futhi wenze ukuhumusha kwakho kanye ukukhokha zonke izinhlobo amasevisi, isibonelo, ukuqeqeshwa noma ukwelashwa.

Lokho izimo zemisebenzi yasebhange babé elula kakhudlwana futhi kuyazuzisa, isevisi olukhethekile ebhange wenza yokubhaliswa zonke izinkontileka ngomumo, olwenziwa poll social phakathi kwabantu, kanye nokuqapha okuqhubekayo kwenziwa ngayo nefunda ngayo ilandelela ukusebenza isimo jikelele kanye imisebenzi yasebhange emhlabeni Savings Bank. Ungacabangi ukuthi lo yasebhange onjalo. Ngamanye zokuthenga ngesikweletu Kwenziwa inqubomgomo efanayo.

Kuwufanele ukubalula ukuthi yimuphi umnikelo kukhonjelwe umshwalense ayimpoqo. Ukuze wenze lokhu, kukhona umshwalense ejensi ekhethekile.

Ngesizathu nje ukuthi nsuku zonke isibalo sabantu abavula ezifakwa zikhulisa, Savings Bank, kwakhulisa isithakazelo amazinga ukuheha abathengi ngaphezulu. Ngokungafani nezinye amabhange, Sberbank, nakuba ongaphakeme zenzalo yokuzigcina imali, kodwa kancane kancane kuthatha isikhundla salo kwamabhange futhi akukho ukumesaba ayoyikhetha ilayisensi muva eliye laba njalo kakhulu.

Kuyinto okwamanje inzuzo kakhulu imali futhi uthole imali eyengeziwe, njengoba emakethe exchange angaphandle namanje esitebeleni kunazo nokuzola.

Isibikezelo sezulu sezinsuku Analytical athembisa ukuze kuthuthukiswe esibucayi kakhulu, ngakho kufanele abe isikhathi sokwenza umnikelo, ukuze singathwesi yiyo yonke imali zanqwabelana.

Kodwa, ngisho nazo zonke izinzuzo imali Savings Bank lwemali yakwamanye amazwe, badinga isikhathi esiningi ukuze ucabangisise konke, ukuthi noma ukusebenza ebhange enjalo ikufanele wena kanye yinoma yimuphi umnikelo has izingozi ezithile, futhi ngeke wazi kusengaphambili ukuthi yini ezokwenzeka kusasa, ngeke sikwazi.

Kungenzeka ukuthola imali eyengeziwe ngezithukuthuku ezifakwa njalo ihambisana izingozi ezithile ukulahlekelwa. Ngenxa yalesi sizathu, zonke izakhamuzi okufanele ngamunye ukunquma ukuthi ukuvula idiphozi. Ukuze uzokhetha akufanele sisebenzise ebhange, lapho ukhona, yebo, bangathi kuyakufanelekela it futhi kuba inzuzo kakhulu. Cabanga-ke futhi ukwenza lokhu.