Uyini umnikelo enenzuzo kakhulu kuya Savings Bank? Naliphi igalelo Savings Bank kuyinto oholela kangcono?

Inhlalakahle baseRussia kancane kancane. Abanye bangase ngisho off esincane ezidingweni. Kuyinto efiselekayo ukuthi lezi ukonga imali. Ngenxa yalezi zinjongo, kukhona inkonzo emabhange imali. Ziyahlukahluka kuye ku isikhathi, amanani, amazinga enzalo, lwemali futhi isigaba ababoleka, ababebeka bagxile. Kulesi sihloko uzothola ukuthi kakhulu umnikelo inzuzo kuya Savings Bank.

Ulwazi mayelana inhlangano

Sberbank kuyinto uzinzile futhi okuthembekile isikhungo sezezimali ukuthi abaseRussia ukwethemba imali yabo. Ngo-2015 lesi sikhungo credit uwukakabi izinhlelo ezintsha. Izimali ngeke bakhangwa ubudala. Yini umnikelo Savings Bank oholela kangcono ukuze udaba 2015?

Ngoba wonke ukunambitheka

Kuye lwemali ungakwazi ukutshala ruble, zamadola euro. Kubalandeli izinhlelo "non-bendabuko", kukhona ekhethekile idiphozi "International" nge inani lemali elincane 10 eyinkulungwane. (Ngokuhamba pound, ama-franc noma yen) futhi isithakazelo stavkoydo 4.5%. Kulabo abafuna ukuba bonge imali uhambo 7 izinketho ezahlukene kwamanye amazwe - "Ashona", "Drayivu", "Gcina" (angavulwa ehhovisi noma akhawunti siqu kule sayithi), izipesheli ngabantu abadala.

Uyini umnikelo enenzuzo kakhulu kuya Savings Bank ngo-2015?

Namuhla, idiphozi - kuyindlela ukulondoloza imali kwamandla emali. Ngokusho izibikezelo zezomnotho, kulo nyaka ngeke sifinyelele ku-15%. Amathenda ezinhlelo engcono musa idlule 11%. Ngakho uma inani elincane, kungcono ukuba ukhethe uhlelo, imali zingenziwa ngaphansi kwazo ku-akhawunti emva ukusayinwa imibhalo. Imali kusuka uchungechunge oluthi "Drayivu" anikezwa amakhasimende abahlose imali esikhathini inkontileka. Zenzalo kubo kungaphasi kule "Gcina" futhi "Ashona", kodwa. Inkokhelo ukuze isetshenziswe mahhala Inzuzo incike ubude idiphozi. .. Uma uvula izinyanga 6 "Ashona Online" in inani ruble ayizigidi 100, bese ekupheleni iklayenti uzothola 10.5% (ne cap), unyaka ongu-1 - 10.6%.

izinhlobo ezitshaliwe

Ukuze uzwisise ukuthi yini imali enenzuzo kakhulu e Sberbank ngawe, udinga uphendule imibuzo embalwa:

• Ingabe uhlela lifake izimali?
• Ingabe uthola imali?
• Ngasiphi isikhathi ufuna ukubeka idiphozi?
• Yini isamba babe?
• Yini lwemali ingabe uncamela?

Ngu siphendule le mibuzo, uyokwazi ukukhetha okuhle kakhulu ngokwabo. Kuze kube manje, Sberbank inikeza lezi zinhlobo ezilandelayo imali.

"Gcina":

• ngaphandle kokuba nokwenzeka replenishment kanye zokuqaleka ekuseni;
• inani eliphansi - ruble 1000;.
• eside - kufika ezinyangeni 36;
• Izinga - 6,4-7,7%.

Ikhumbula ofeleba inzuzo esiphezulu ingatholakala ngokugcwalisa idiphozi iminyaka engu-3.

"Ashona":

• igama uhlelo kusikisela ukuthi imali kungaba ukungezwa kwesikhathi yesivumelwano;
• amount - ruble 1000;
• isikhathi - kuze kube iminyaka emithathu;
• Izinga - kusuka 6% kuya 7,28%.

"Drayivu":

• kungenzeka replenishment kanye zokuqaleka ekuseni;
• inani eliphansi - ruble ayizigidi ezingu-30.
• isikhathi - izinyanga 3 - iminyaka engu-3;
• Izinga - kusuka 5,05% kuya 6.1%.

Lolu uhlelo oluyisisekelo Savings Bank. Sinenkosi -analogues "intanethi" ukuthi kungenziwa ikhishwe ngqo ku-akhawunti yakho kuwebhusayithi yebhange. Futhi kulokhu, inani lenzalo izokwenyuka.

izinhlelo esiyingqayizivele

"Multicurrency":

• eside - izinyanga 12-24;
• lwemali - ruble, zamadola euro ;.
• ubuncane ibhalansi - 5 amayunithi emali;
• Izinga incike eside; ke ziyahlukahluka kusuka 0.01% uma ibhalansi ye-akhawunti RR 5 kuya 6,21% uma 100 ayizinkulungwane etshaliwe. deda.

"Ukulondoloza" ikuvumela ukuba uthole imali eyengeziwe, ngisho noma izimali abangu etshaliwe ngosuku 1. Izinga uyahluka 1.5-2.3%, kuye ngokuthi lemali. ofeleba Kuncike kanye zokuqaleka esinqunyiwe.

"Okunenzuzo" - idiphozi ngaphandle kokuba nokwenzeka replenishment esikhathini yesivumelwano. Ubudlelwano obuphakathi izinga kanye ethemini ye-idiphozi sishintshile. Okusho ukuthi, uma uvula i-akhawunti izinsuku ezingu-365, bese kuba inzuzo 8%, izinyanga 12-18 - 5%, isikhathi eside - 3.7%. Inani eliphansi - ruble ayizigidi.

"Ukuphila" - uhlelo esiza abantulayo. engavamile yayo itholakala iqiniso ukuthi uma ikota ukwenza iminikelo esikhwameni ukusiza izingane inani 0.3%. Vula idiphozi kungaba 1 year nge okungenani eziyinkulungwane 10. Hlikihla. Ukukala: kusuka 6,40% kuya 6,55%.

Inketho kwabahola impesheni

Ukuze imikhakha ezingavikelekile kakhulu zalo labantu isungule izimo ezikhethekile Sberbank. Uyini umnikelo inzuzo kakhulu abantu lapho umuntu eguga? It incike ngenhloso idiphozi. Uma umuntu otshala imali imali ukuze ugweme "kudliwa" by kwamandla emali, kungcono ukuba ukhethe uhlelo silula. Amaphesenti kwabo kuyoba eliphakeme. Imigomo nezinhlelo esezigugile kuma rates eziyisisekelo kuhluke.

• "Gcina": kusuka 5% kuya 7,76%.
• "Ashona" kusukela 5.3% kuya 7,28%.
• "Pension Plus": Izinga kwanezelwa 3.5 3,67%. Lokhu idiphozi kungenziwa ngokushesha umhlala uhlu.

Inenzuzo Savings Bank ezifakwa: zenzalo yokuzigcina ezifakwa

Ukuze bezibona kangcono siye eyahlanganiswa itafula ngawe ngezansi:

Uyini umnikelo enenzuzo kakhulu kuya Savings Bank? Njengoba singabona kusukela etafuleni, "Gcina ku-intanethi." Njengoba Replenish noma imali ngokuvamile akwenzeki, ukusetshenziswa kwezimali izinga eliphakeme kunawo. Futhi uma ucabangela isizinda ofeleba ngoba accrual kwezinhloso zenzuzo akuyona lemali yasekuqaleni, anda ngezithukuthuku amaholo ngenyanga.

Indlela ukunquma

idiphozi Perfect siqukethe izinto ezilandelayo:

• yasebhange okuthembekile;
• imigomo elilungile;
• izinga eliphelele;
• ofeleba;
• ithuba ashona.

Thola idiphozi, okuzokwenza ukuhlangabezana zonke lezi nemingcele kunzima ngempela. Rush ku amaphesenti okusezingeni eliphezulu yingozi. CBR refinancing kulinganisela ngokusemthethweni ishicilelwe. Uma ibhange inikeza ukutshala iphesenti kakhulu kunalokhu, kusho ukuthi unesikhundla izinkinga zezimali futhi uzama ngakulahla nganoma iyiphi indlela ukuheha abathengi.

Kubalulekile futhi ukuba banake imigomo yesevisi. The kungenzeka replenishment ingavuthi olufanele kumakhasimende. okuyinto babekele eceleni imali yokuhamba. Isithakazelo kungcono ukuthola ekuvuthweni kanye lemali oyinhloko, ngaphandle ukuthi awuhambi ukubeka idiphozi ruble 1 million. Kubalulekile ukuba banake uhlobo ukubheja. Ungashintsha e nenkathi yenkontileka. Abantu ababeka ubeke eceleni imali "ilanga lina", kungcono ufune idiphozi benethuba ukuhoxiswa ekuseni.

isiphetho

I elilungile kakhulu kukho idiphozi ikhasimende ngalinye ekhetha. Othile itshala imali ukuze bazivikele kwamandla emali. Abanye wonge imali, uma kwenzeka nje. Abanye, nakuba ukuphathisa ngemali yabo ebhange, kodwa ufuna ukwazi ukulawula akhawunti. Imali kusukela Bank Sberbank eRussia kukhona sipho evumayo kakhulu emakethe. Amakhasimende ayikwazi kuphela ukulawula akhawunti, kodwa futhi ukutshala ngqo nge-inthanethi at ephakeme zenzalo.