Yini Yimali inzuzo ngabantu abadala baye ukunikela amabhange?

Umsebenzi ekubulungeni augmenting imali yabo kuye kwaba okubalulekile njalo kwabahola impesheni. Ukulondolozwa kanye nokukhula imali yabo - akulula njengoba kungase kubonakale.

Kodwa nge efanele ukuhlaziywa iziphakamiso ezikhona indlela edume kakhulu futhi ethandwa ekubulungeni amafa - ezifakwa emabhange - kungenzeka, noma kunjalo, ukuthola imali encane futhi ezingeni kahle eliphezulu lekusisa nokwethenjelwa, ingenabantwana ulwazi olukhethekile. Ngakho, ake sibone, yiziphi iminikelo inenzuzo impesheni, inani lenzalo ngeqhaza impesheni, futhi ngokuvamile lapho kuyadingeka ukusebenzisa ukuvula idiphozi?

Ingatholakala kanjani iminikelo kwabahola impesheni?

Kodwa ukwazi ukufunda nokubhala ezincane zezimali ekunqumeni yasebhange efanele namanje okudingekayo. Ukuze idiphozi, kudingeka amanye amadokhumenti:

- iphasiphothi noma omunye umbhalo ukuhlonza;

- i-VAT kanye nezinye izincwadi ezidingekayo ebhange, uma kudingekile (kokuba baye ebhange, lolu hlu engcono elicwengwé kusengaphambili);

- Isitifiketi impesheni - uma sihlelwe ukuvula umnikelo impesheni.

Esikhathini isimo, uma impesheni kuzodluliselwa kwenye i-akhawunti, kumele uhlinzeke imininingwane yayo. Ezinye izindaba zika-operation sokuvula idiphozi silula: ukubhaliswa yesivumelwano nokwenza imali ngehora engaphansi. izidingo ezikhethekile inzuzo ezifakwa kwabahola impesheni unganikezi. Ngaphezu kwalokho, akunandaba, futhi isizathu isikhathi sakhe sokuthatha umhlalaphansi. Uma izandla zakho ube isitifiketi yempesheni, ibhange alinalo ilungelo lokwenqaba ukuya ukuvula idiphozi, ngisho noma impesheni akuyona enikezwa yokuguga.

Kungaphansi kwaziphi izimo zaba negalelo elikhulu?

Njengoba zimali sebethathe umhlalaphansi akuzona ezinye wodwana amaklayenti asebhange, ngakho-ke cabanga izindleko futhi elula zifakwe ebhange, futhi impesheni ekhethekile.

Zingazikhetheli sipho evumayo kakhulu, ukunaka ngokukhethekile kufanele ikhokhwe nezimfuno eziningi:

1. Isilinganiso senzalo liyipharamitha ayisihluthulelo noma yimuphi umnikelo. Ukuze ngempela umnikelo okuzuzisa ngayo okufanele abe ngaphezu ezingeni emali (ngo-2014 izinga lokwehla kwamandla emali zaba 6.5%), kanye siyoba sikhulu izinga, ngcono kuyoba ukutshala. The izimali enenzuzo kakhulu ngabantu abadala akuzona njalo evulekile at eziphezulu zenzalo. Lokhu kufanele futhi ikhunjulwe lapho uvula idiphozi.

2. Inani ubuncane idiphozi. Pension ezifakwa ngokuvamile senziwe eziyinkulungwane (nakuba kukhona ezifakwa nge embundwini ubuncane ruble eziyikhulu).

3. Amandla lifake izimali esikhathini esizayo futhi njengoba inzalo ngemadlana okwandisa.

4. Njengoba inqwabelene isithakazelo. Abakwazi zifakwe Imininingwane yakho deposit lemali bese lingezelelwe.

5. Kungenzeka yini ukuba ingxenye beziwubumba ukuhoxisa izimali ngaphandle lokuvala kwanoma idiphozi. Kukhula isikhathi sokusebenza yayo, ngakho-ke lokhu isimo iya ngokubaluleka kakhulu.

6. Ngaphezu kwalokho, impesheni nayo ibalulekile kakhulu ukuthi umnikelo kungenzeka ilahlwe kwenzeka ushona ngaphandle kokwenza imisebenzi eyengeziwe. Ngenhlanhla, amabhange kanye inikeza inketho okunjalo.

7. Amandla isandiso umnikelo (prolongation). Isilinganiso senzalo azimisele kuye ngokuthi izimo phezu idiphozi ngesikhathi sokuvuselelwa.

Ngaphezu kwalokho, ukunakekelwa okufanele ikhokhwe futhi ibhange uqobo. Sikhishwe isimo samanje ohlelweni Banking ezweni lethu, ukuthemba imali yabo ngisho izikhungo ngobukhulu kufanele baqaphe impela: ukubikezela kahle ukuthi ibhange ingena emehlweni nabalawuli, cishe akunakwenzeka. ezifakwa Kuyazuzisa kwabahola impesheni ingatholakala cishe kunoma iyiphi inhlangano yezimali kufanele nje ukubheka lokho izimo uphiwa.

Ngenxa yalesi sizathu, uma ufuna ukuvula umnikelo okweqa esiphezulu ezingaba liphinde likhokhelwe uhlelo umshwalense idiphozi (ayinkulungwane namakhulu ayisikhombisa), kungcono ukusebenzisa amabhange eziningana bahlukanise isamba noma uthinte omunye amabhange state.

Ezahlukahlukene iminikelo impesheni idiphozi elula?

Ngokusemthethweni ezifakwa enjalo kuhluke kuphela yokuthi sokubhalisa ikhadi yempesheni isethulo impesheni liyadingeka. Ngaphezu kwalokho, amabhange kakhulu iminikelo inzuzo kwabahola impesheni avunyelwe ukuvula kuphela kumakhasimende abagcina Isikhwama yazo yempesheni kule inhlangano yezimali. Ngisho nezimo elula iminikelo impesheni buyehluka kuye ngemibandela ezimbili:

- Isilinganiso senzalo. Pension ezifakwa kuvame ukuvulwa ukhokhe inzalo enkulu. Kodwa ungakhohlwa ukuthi emakethe yasebhange futhi unalo iminikelo evamile, izinga lapho ephakeme kunaleyo impesheni.

- Izimo onomoya omnene eziphathelene ekunqanyulweni ekuqaleni yesivumelwano.

Yiziphi iminikelo main lamabhange ongakunika impesheni?

Izinhlobo ezimbili eziyinhloko yempesheni ezifakwa kukhona funa imali kanye eside. Eyokuqala Kulula kakhulu ukuvula yokufuna lula futhi kulondolozwe ukonga yempesheni, kuyilapho yokugcina ivumela sokulondoloza ukwandisa kubo.

Kude akuzona zonke yasebhange iwumkhiqizo ekhethekile kubantu asebekhulile tingafundziswa. Ngokuyinhloko, le mikhiqizo nezinhlangano ezinkulu kuphela ngenkuthalo ekuthuthukiseni umsebenzi nge impesheni, ngemikhiqizo emisha ngabo.

Abanye izimo kwabahola impesheni idiphozi nhlobo ihlukile kuleyo ku ezifakwa abavamile:

- izinsuku kokuvula isukela enyangeni eyodwa iminyaka emihlanu.

- Imali kungaba noma ikuphi, ngaphezu, ezinye izinhlangano zingase zinikeze multicurrency idiphozi.

- Isithakazelo amazinga isukela ezintathu amaphesenti nanye, futhi ukudluliswa yabo ikakhulukazi kwenziwe njalo ngenyanga.

- Uma inkontileka inqanyulwa yokuqala iminikelo impesheni zithathwa yonke imali, inzalo izonqunywa ngesisekelo ngesilinganiso refinancing of the equation yasebhange.

lapho ungathola khona izimali enenzuzo kakhulu ngabantu abadala?

1. Savings Bank kuyinto ngokuvamile ngokuzithandela kakhulu usebenza nabantu kokuthatha umhlalaphansi. iminikelo Special leli nani labantu kubo Yiqiniso, akuyona ahlinzekwa, kodwa kuncike eside okomnikelo ayelungiselela enkulu kunezinye.

2. "Gazprombank" iminikelo ezihlinzekwa imibandela ekhethekile amakhasimende 'Gazfond ". Isamba for kuvulwa ruble engamakhulu, inani lenzalo kuyinto esiphezulu eziyisithupha per cent, kanye nesikhathi - ngemva kwezinyanga eziyisithupha kuya onyakeni nengxenye.

3. Agricultural Bank has umnikelo ekhethekile "Pension Plus". Inani ubuncane yokubhaliswa singu ruble 500, futhi izinga - 8.5%, elithi - komunye iminyaka emibili. Ngakho kungenzeka ukuba ngokwengxenye ukuhoxisa izimali, ukugcina izinto ezimbalwa izinga embundwini ruble 500. It selule umnikelo uma kwenzeka ngokuzenzakalelayo ukuze ufune.

4. iminikelo Kunenzuzo ngabantu abadala futhi ziyatholakala kule "EUROKOMMERZ" ebhange. Kuze kube manje, kuthi enye amazinga aphakeme - 10.5% ku idiphozi "Pension engenayo" futhi 10,25% ku idiphozi "Pension izimali". Vula le mali isikhathi nesigamu kuya eminyakeni emithathu, inani lemali elincane ngoba ukuvulwa ama-ruble ayizigidi ezimbili. Futhi, bobabili ezifakwa kungenzeka ashona. umehluko yabo kuphela komunye nomunye ukuthi yesibili kulindeleke ofeleba kwezinhloso zenzuzo, okungukuthi, ukwenyuka kwezinga lemali idiphozi ngokungeza kuso isithakazelo.

5. Ngaphezu kwalokho, high-ezigxotsheni futhi inama "Yunikornbank" - abafika kwabangu-10%, embundwini ubuncane kuvulwa - a ruble ayizigidi, idiphozi term - enyakeni owodwa, kanye ukuhoxiswa ngokwengxenye singanikezwanga.

Ngaphezu okungenhla, iminikelo impesheni banganikeza kwamanye amabhange amaningi.

isiphetho

Pension ezifakwa kukhona indlela ezingabizi kakhulu ukulondoloza, futhi nje ukwenyuka kancane ukonga esikhathini esifushane noma eside. Namuhla, ezihlukahlukene amabhange banganikeza iminikelo evumayo kwabahola impesheni. Ukucinga futhi Ukuqhathanisa amabhidi kulesi simo kuyinto efaneleka kakhulu. Nakuba zenzalo kuze kube manje futhi akuzona eliphezulu kakhulu, kodwa ukuze uthole sipho lapho izinga kuyoba nokukhuphuka kwamanani ezimpahla ephakeme, akunzima, ngisho emabhange ngobukhulu eziphethwe uhulumeni.