Xa inzala kwiidiphozithi yayiphantsi, abaninzi bazibuza ukuba kufuneka ivulwe kwi-sberbank. Kwabo ke abakwaziyo, bacacisa ukuba i-akhawunti yotyalo-mali nganye, apho abantu banokuthatha inxaxheba kwimakethi yesitokhwe kwaye kwangaxeshanye bafumane ikhefu elithile.
Imakethi yesitokhwe kunye neebhondi zinokuzisa inzuzo ngakumbi kune-posipoti idipozithi, kodwa umvuzo kunye nokugcinwa kwemali yokuqala ayinakuqinisekiswa. Ukuthatha isigqibo esifanelekileyo, iinkalo ezithile ze-IIS kwi-sberbank kufuneka zazise kwangaphambili.
Kutheni le nto i-IIS ivuliwe kwi-sberbank
Ngelishwa, inzala kwiidipozithi zebhanki zinokungaphantsi kunendawo yokunyuka kwamaxabiso. Yenzeka ngokutsha ukuthuka xa igalelo kwi-ruble yenziwa ngexesha lokuzinza kwezoqoqosho kwangaphandle. Kodwa ke ngequbuliso, ngexesha lenzekile idipozithi, kwenzeka into ethile, imeko yenzeka ngokumangalisayo, kwaye amaxabiso atshintshiweyo ajikeleze-kwaye engaphezulu kwemali, kwaye ngaphezulu kwemali efunyenweyo ichithwe ngokukhawuleza kunokuba bachithwe ngokukhawuleza.Izixhobo ze-IIS
Ngaba zikhona iindlela zokukhetha ukufumana ngaphezulu kwe-surloyment ebhankini? Kwakule nto inkqubo yacetywa yinkqubo yeeakhawunti zotyalo-mali, onokuthi utyale imali kwimali, kodwa kwimarike yezokhuseleko.
Abanini beeakhawunti bafumaneka ikakhulu iiklasi ezimbini zezixhobo: IiBonds - uxanduva lwamatyala lwelizwe kunye neenkampani, kunye nesabelo kumashishini, ngokuvumela ukuba ufumane inxenye yengeniso, kunye nokufumana i-an ukunyuka kwixabiso lekhosi.
Ukuba yonke into icacile ngebhondi, ekugqibeleni ngomhla wentlawulo umtyali-mali uya kufumana imali ethenjisiweyo, emva koko ingeniso ayiqinisekiswanga. Abaqalayo kufuneka bacebise ukuba bangasuki ngokukhawuleza ngakumbi, kodwa baqale ngeenkampani ezibalaseleyo, ezibizwa ngokuba zii-chips eluhlaza okwesibhakabhaka.
IIS kunye nekhefu lerhafu
Ukwenzela ukuba abemi babemi botyalo-mali kwi-Skrimes, urhulumente unikezele ngezibonelelo zentengiso zerhafu. Ngapha koko, iindlela ezimbini ze-IIS zinikezelwa. Okokuqala, unokufumana irhafu kwisixa samawaka angama-52 kwi-rulles ruble ngonyaka xa ugcwalisa i-akhawunti yotyalo-mali. Olu hlobo lwe-IIS luyingenelo kwabo bafumana umvuzo omhlophe. Kodwa ithathwa njengento engenamsebenzi kubantu abarhwebi nabadla umhlala-phantsi.Inketho yesibini yinkululeko ye-IIS kwiRhafu yeNgeniso kuzo zonke iinzuzo ezifunyenwe kwisakhelo sokuthatha inxaxheba kule nkqubo. Olu hlobo lweakhawunti lulungele abo batyalela imali.
Ngelishwa, kwangaxeshanye, kunokwenzeka ukuba ufumane omnye, umthengi kufuneka akhethe owokuqala okanye wesibini.
Ungavula njani i-jes kwi-sberbank
Ekuqaleni, isicelo sinokugcwaliswa kwisiza nokuba yinkqubo yebhanki yabathengi. Ukusuka kwiNtlawulo yaBatyali-mali kuya kufuneka. Kwaye, kunjalo, amaxwebhu okufumana ukuncitshiswa kwerhafu, isatifikethi kwindawo yomsebenzi, iifom zerhafu, njl.
Wonke ummi unokuvula i-IIS enye kuphela. Elona xesha lincinci yiminyaka emithathu, kwaye ukususwa kwangoko akunakwenzeka. Ungaphinda uyibuyisele iakhawunti yi-ruble, akukho ngaphezulu kwe-1 yezigidi ruble ngonyaka. Le mithetho ayisebenzi kuphela kwi-sberbank kuphela, oku kuyasebenza kuzo zonke is.
Kutheni ukhetha i-sberbank ye-IIS
Iphakheji yoLawulo lwe-SBREBK isezandleni zikarhulumente, kwaye ngokuqinisekileyo iya kuxhasa eli ziko letyala kuyo nayiphi na imeko. Ke ngoko, naluphi na utyalomali kwi-sberbank lunokuthathwa njengento efanayo ekuthembekeni, njengoko, umzekelo, kunye nezokhuseleko zikarhulumente.Ukuza kuthi ga ngoku, i-sberbank ayiyiyo kuphela ibhanki enkulu yelizwe, kodwa nakwabemi abaziwayo. Kwaye oku kuthetha ukuba lo mbutho uvula kwaye usebenzele inani elikhulu le-IIS. Oko kukuthi, iingcali zinamava aneleyo.
Icala elijikelezayo lenani elikhulu labathengi yimigca efumaneka kwiCandelo elinxulumene nolo tyalo-mali, kwaye kungekuphela nje ngeeBills zokuzincedisa.
IIREKHODI ZEENKONZO ZEEMII SRREBAK zibonakaliswa ngokhuphiswano, kwezinye iimeko zingaphantsi kunabanye abathengisi kwiimarike zesitokhwe. Umzekelo, ukuthengiselana kwintengiso yesitokhwe ukusuka kwi-0.018 ukuya kwi-0.06 pesenti.
I-sberbank ibonelela ngabathengi bayo-yenze izisombululo zotyalo-mali kwi-IIS. Ubuncinci bedipozithi yamawaka ali-10 ruble. Ukuza kuthi ga ngoku, zimbini iindlela zokukhetha kuzo: "Isicwangciso se-IIS sokuqokelelwa" kunye "neqhinga laseRussia". Isivakalisi sokuqala sinotyalo mali olulondolozo lwebhondi. Inketho yesibini, njengoko icacile kwigama - isekwe ekuthengweni kwezabelo, apho isivuno silindelwe apha ngasentla, kodwa nomngcipheko uya kuba ngaphezulu.
Ndingayenza malini imali kwi-IIS kwi-SBERbank
Ingeniso ye-IIS ayiqinisekiswanga yinkcazo. Kodwa ke masithi, sithi, Ulindelo olusengqiqweni olusekwe kumenzi wohlalutyi. Kwaye isivuno sixhomekeke ekubeni ngubani kanye kanye iphothifoliyo ngaphakathi kweakhawunti.
Ngokutsho kweyona ilungiselelwe abathengi abatsha, iimveliso ze-sberbank ze-sberbank ezivakaliswa ngumfanekiso we-6.9-9.1 pesenti yephothifoliyo yolondolozo, equka iibhondi. Ngokwezabelo, iziko letyala liyala izithembiso.
Ngokubanzi, kunokutshiwo ukuba kukho imali kwizitokhwe, nto leyo edlulileyo ekwaziyo ukufumana umvuzo kunye ne-30, kunye neepesenti ezingaphezulu ngonyaka. Kodwa kukho nabo bahlala belahlekile. Kwangelo xesha, i-IIS inenzuzo enye: i-fasttor akufuneki ukuba ibe ngumkuphela obonakalayo ngento eyenzekayo. Unokufunda ukuthengisa ngokwawo, afumane amava kurhwebo lwesitokhwe kwaye angenelele kwiintshukumo ngokwabo. Kule meko, iya kuba yinto ubuncinci ukuba ibuze.
I-Pros kunye ne-Jesbank ye-sberbank
Masisuker ukwenzela ukuba wonke umntu enze izigqibo zakho. Ke, iingenelo zokuvula is kwi-SBERBank:
- Isivuno esilindelekileyo siphezulu kunedipozithi.
- Ukukwazi ukubuyisela irhafu yengeniso yakho ehlawulelweyo njengento yokuncitshiswa kwerhafu ukuba ukhetha i-IIS yohlobo lokuqala.
- Ngenxa yokubuya, urhwebo luya kuqala ngoqhagamshelo lwamawaka ama-52 amawaka ruble ngonyaka. Oko kukuthi, umtyali-mali oyi-novice unikezo.
- Amava amatsha. Ukuthatha inxaxheba kwintengiso yesitokhwe uninzi yinkqubo enomdla engakhange ingenise ingeniso kuphela kwimali etyalwe imali, kodwa yonwabile kule nkqubo ngokwayo.
Ngelishwa, kukho i-IIS nakwizinto ezingalunganga, ngokungafaniyo negalelo elilula. Eyona ibaluleke kakhulu kwezi:
- Ingeniso ayiqinisekiswanga. Ngamanye amaxesha, kwalahleka kunokwenzeka.
- Imali ayinakurhoxiswa ingaphambi kweminyaka emithathu. Ngaphandle koko, kuya kufuneka ubuyele kuRhulumente konke ukuncitshiswa kwerhafu okufunyenwe yi-IIS iya kuhlawula, hlawula i-NDFL.
- Unokutyala imali kuphela ngale ndlela. Oko kukuthi, i-IIS ayikhuseli ngokuchasene notshintsho olunokwenzeka kwizifundo zemali zesizwe.