Umnikelo omuhle: "I-Gazprombank"

Wonke amaRussia okungenani abezwe ngeGazprombank. Ngenye yezinhlangano zezimali ezidume kakhulu eRussia. Ibhange lithatha indawo yesithathu ngokulinganisa kwamabhizinisi angama-600 akhona namuhla. Inani lempahla yalo lingu-5.27 trillion ruble. Futhi le mali ihlale igcwaliswa - njalo lapho umuntu evula idiphozi. "I-Gazprombank" ihlinzekela ngemali ehle kakhulu nemibandela emihle. Noma kunjalo, bangatshelwa ngokuningiliziwe.

Umnikelo "Okubhekayo"

Into yokuqala okumele uyiqaphele yisiphakamiso. Isilinganiso esikhulu senzalo sinjengoba: 8% kuma-ruble, ama-1.2% ama-dollar no-0.1% ema-euro. Leli gama, lapho kungenzeka khona ukutshala imali kwi-"Prospective", isiphakamiso seminyaka emithathu nosuku olulodwa.

Inani elincane li-rubles angu-15 000 (ama-dollar angu-500 noma ama-euro angu-500). Idiphozidi ayiqedi futhi ukuhoxiswa okuyingxenye ayitholakali. Yonke imali, kanye nesithakazelo esiqoqiwe, iklayenti ithola ngemuva kokuphela kwesikhathi. Isikhathi esingaba khona, ngendlela.

Izinga lesithakazelo lihlukile, kuye ngokuthi inani elibekwe imali kanye nesikhathi esakhishwa kuso. I-8% ehloniphekile isungulwa uma kwenzeka umuntu evula i-akhawunti ye-ruble engu-1 000 000 (noma ngaphezulu) kanye nezinsuku ezingu-181. Ekupheleni kwalesi sikhathi, uzothola izigidi zakhe ezitshaliwe futhi angaphansi kuka-40,000 njengenkokhelo yenzalo.

"Ukuqoqa"

Ukunakwa kubalulekile ukuphawula lo mnikelo. I-Gazprombank inikeza izimo ezilandelayo: isilinganiso esingu-7.8% sama-akhawunti we-ruble, i-1.1% ye-dollar, ne-0.08% ye-euro. Isikhathi esiphezulu yizinsuku ezingu-1097. Amanani amancane afana nalokho okwenziwe ngomnikelo oshiwo ngaphambilini. Kusukela ku-pros - kungenzeka ukugcwalisa idiphozi, ngokuphathelene nokuthi yiziphi izinzalo eziphansi ezibekiwe. Kodwa, njengoba umkhuba ubonisa, iklayenti ithola inzuzo engaphezulu.

Kumele kuqaphele ukuthi inani lokulondeka (isandiso sediphozi) alinganiselwe, kanye nenani lemali elongezwe ku-akhawunti. Ngendlela, kulokhu, lokho okubizwa ngokuthi isithakazelo senzalo kusebenza. Le "nzuzo" engahambelani, eqinisweni, yandisa inani lediphozi. Futhi inzalo, ngendlela, ingafakwa kwi-akhawunti, eyenzelwe ukubalwa. Into eyinhloko ukuthi leli khadi kufanele livule imali yediphozi futhi egatsheni elifanayo le-Gazprombank.

"Dynamic"

Manje - amagama ambalwa futhi mayelana nalokhu nomnikelo. "I-Gazprombank" yenza amaklayenti ayo ahlinzekwe okuhlukahlukene, futhi umthamo "Dynamic" ujabulela kakhulu ukuthandwa. Amazinga afana nalokhu: 7.7% (ama-ruble), 1% (ama-dollar), 0.05% (i-euro). Kunezinsuku eziningana. Ubuncane yizinsuku ezingu-91. Ukuphakama kuneminyaka engu-3 nosuku olungu-1. Ngezinzuzo, singakwazi ukuqaphela ukuqaliswa kokugcwaliswa komnikelo nokuhoxiswa okuyingxenye. Noma kunjalo, kunezinombolo eziningana.

Okokuqala, ukuthengwa kwezindleko kungenziwa kuphela ngaphakathi kwemingcele yemali umuntu ekhokhelwe ku-akhawunti ekuqaleni. Okusho ukuthi, uma enza umnikelo wama-ruble angu-250 000, uvumelekile ukuba asebenzise kuphela. Ngaphezu kokusebenza kwemali, umuntu angahoxisa imali kusuka ku-akhawunti yakhe noma ayithumele kwelinye i-akhawunti, kodwa kufanele futhi avuleke kwesinye sezigaba uGazprombank anakho. Ama-deposit alolu hlobo athandwa kakhulu, ngoba anika inkululeko eyanele yokwenza.

Indawo yokuhlala

Omunye umnikelo othakazelisayo. "I-Gazprombank" ayihlinzeki kakhulu, uma iqhathaniswa namanani angenhla (ikakhulukazi owokuqala). 6.5% ngonyaka ngonyaka we-akhawunti ye-ruble, i-0.65% yama-akhawunti we-dollar, kanye ne-0.04% kuphela ye-euro. Isikhathi esiphezulu sineminyaka engu-3 nosuku olulunye. Amanani amancane afana nalawo wonke amanye amanani. Yiziphi izinzuzo? Ngemuva kwalokho, ukugcwaliswa komnikelo akunakwenzeka, kanye nokuhoxiswa okuyingxenye. Kodwa inzalo ikhokhwa ekupheleni kwenyanga ngayinye.

Kodwa lokhu akuyona yonke into eyenziwa yi-Gazprombank. Iminikelo yonke ihlukile, kepha kukhona okunye okunye - okugcina kwendinganiso. Futhi wabiza "On Demand". Isilinganiso singu-0.01% kuphela (kungakhathaliseki ukuthi iyiphi imali i-akhawunti evulwe ngayo). Kodwa, naphezu kwalokhu, uyathandwa ngenxa yokuqokwa kwakhe. Phela, yenzelwe ukwamukela nokuqhuba izinkokhelo izakhamizi. Igama lediphozi, njengezinga eliphakeme / elincane, alinamkhawulo.

"Ukulondoloza nokuvikela"

Njengoba umuntu ekwazi ukuqonda, eziningi zezindleko zihlinzekwa yi-Gazprombank. Ama-deposit abantu ngabanye ohlobo olujwayelekile abhalwe kuhlu ngenhla, manje ungakwazi ukukhuluma ngezipesheli "ezikhethekile".

Ngakho, "Ukulondolozwa nokuvikelwa" kuyimali ekhokhwayo, okukhokhwa ngayo imali engama-9.5% ngonyaka. Idiphozi ingavulwa izinsuku ezingu-367, kodwa inani elincane lediphozi liyi-ruble engu-50,000. Awukwazi ukuwugcwalisa, futhi wenze ukuhoxiswa okuncane kwezimali. Lokhu kungenye yezinhlinzeko ezinenzuzo kakhulu eyenziwe yi-Gazprombank. Amasheya abantu ngabanye balolu hlobo abamukelwa ngaphakathi kohlaka lomkhiqizo oyinkimbinkimbi ohlinzeka ngokusayina kwenkontileka, kanye nokukhokhwa nokukhokhelwa okulandelayo kwenkambiso yomshwalense (noma utshalomali) wokubambisana komunye walabo nkampani abalingani be-GPB.

Kukhona esinye isiphakamiso esithakazelisayo esifanayo. Imali ebizwa nge "Investment Income". Isilinganiso ngu-9.4%, imigomo nemibandela iyafana. Inani eliphansi kuphela lediphozi liyi-ruble ayizinkulungwane ezingu-25. Kulesi simo, inkontileka isayinwe ngemuva kokuba iklayenti ithumele ku-GPB umyalelo ovumela ukukhokhwa kwezikhwama zesiKhwama ezikhishwe ngosuku olufanayo nasemnyangweni ofanayo webhange.

"Umhlalaphansi"

Lona ngumthamo wokugcina u-Gazprombank onikezela ngabanye. Intshisekelo ekufakweni kwalolu hlobo i-7%. Isikhathi esiphezulu sokutshalwa kwezimali siyizinsuku ezingu-550. Futhi lemali encane yi-ruble ayi-100 kuphela. Umuntu akakwazi kodwa ujabule ukuthi umnikelo ungagcwaliswa. Kodwa ukususwa okuyingxenye akunakwenzeka.

Kukhona, Nokho, inhlanganisela eyodwa. Lo mnikelo wamukelwa kuphela kulabo basezakhamuzi baseRussian Federation abathola izinkokhelo zabo ezifanelwe kahle esikhwameni sesempesheni esingezizwe esibizwa ngokuthi iGAZFOND. Futhi, ngokufanele, ukuba nekhadi elitholwe ku-GPB ngaphakathi kohlaka lwesivumelwano esiphethwe phakathi kweBhange nesiKhwama.

Izimo ezinhle kakhulu. Uma uvula i-akhawunti yama-ruble angu-500 000, emva kokuphela kwesikhathi sonyaka inzuzo izoba ngama-ruble angu-35 000.

Ngokuvamile, njengoba ubona, i- "Gazprombank" inikeza amanani amaningana kunenzuzo. Kunokuningi okumele ukhethe kusuka. Into ebaluleke kakhulu ukuthi ufunde ngokucophelela imigomo egcwele futhi inqubo yokuthola izimpendulo kuzo zonke imibuzo zentshisekelo.