I-Sberbank ye-Sberbank liziko letyala apho lingekuphela nje ukuvula i-akhawunti yangoku okanye abeke igalelo elingxamisekileyo, kodwa nokufikelela kwisivumelwano sorhwebo kwaye sifumane ukutshintshwa kotshintshiselwano.
Ukwenza oku, kuya kufuneka uvule i-akhawunti yabasebenzi. Unokwenza oku ngeendlela ezimbini: ukutyelela isebe ngokuqulunqwa okanye usebenzise inkqubo ye-sberbank ye-sberbank ye-Intanethi kwabo sele ungumthengi woMbutho wezeMali.
Iimpawu zokuvula i-akhawunti yabarhwebi kwi-sberbank
I-Sberbank Kuba ineenzuzo ezimbini kuwo onke amanye amaziko ezemali eRussia. Owokuqala waya kuye ilifa. Amasebe awo akuyo yonke imizi, ukuba ayikho ngokupheleleyo ekufikeleleni, ke kanye kwenye indawo ekufutshane. Kwaye okwesibini sele kuentsuku ezintsha, i-sberbenbank yenze isicelo esisebenzayo ukuba alililo ilizwe liphela, emva koko.Indlela yokuvula i-akhawunti yebrokerbank yobuqu, mhlawumbi, wonke umntu uyaqondakala: Kwanele ukuzahlulahlulo lombutho wetyala ngepasipoti. Ke ngoko, siya kugxila kwindlela enokwenziwa ngayo ngokude, ngaphandle kotyelelo lobuqu.
Ukwenza oku, kubalulekile ukuba ube ngumthengi okhoyo weziko letyala. Inqaku elifanelekileyo likwicandelo "elinye" lenkqubo ye-sberbank ye-sbenbank okanye kwicandelo "lokutyalomali" lokusetyenziswa kwemali yetyala.
Okulandelayo, kuya kufuneka ugcwalise iphepha lemibuzo, Khetha iimarike ezicwangcisiweyo zokusebenza: imakethi yesitokhwe, ukuthengwa kweebhondi, imali, ukhuseleko lwezinto ezikhuselekileyo. Emva koko khetha uluhlu lwamaxabiso, iBhili leyo umthengi angathanda ukuba uqinisekisiwe kwikhuphoni kunye nezahlulo, njalo njalo. Ekupheleni kwenkqubo, umxhasi uyamenywa ukuba avule i-akhawunti yotyalo-mali, i-IIS, ebonelela ikhefu lerhafu ethile.
Iakhawunti yotyalo-mali kwi-SBERbank
Ngokubanzi, i-IIS ayifani kwiakhawunti eqhelekileyo yabasebenzi, ngaphandle kweemfuno ezongezelelekileyo, kwelinye icala, kunye nezongezo zerhafu, kwelinye.
Iiakhawunti zotyalo mali lomntu kwi-sberbank zimbini iindidi. I-II ye-IIS yohlobo lokuqala ikuvumela ukuba ufumane irhafu ukuya kuthi ga kwi-52 yamawaka ruble ngonyaka. Ngenxa yoko, umtyali-mali, okokuqala, eze kwimarike ye-stock, kuya kuba njalo, isiphoso esithile - isixa sokuqala esivela kwi-Sturies nge-Sturity .
Uhlobo lwesibini lwe-IIS lunika enye inzuzo - ukukhululeka kwirhafu yengeniso efunyenwe kwimarike yesitokhwe.
Kwangelo xesha, wonke umntu kufuneka ahlawule: ukukhetha enye yezi zibonelelo zodidi lweeakhawunti zomntu ngamnye, umntu kufuneka abambe imali kwimakethi yesitokhwe iminyaka emithathu. Ungayirhoxisa ngentlawulelo imali, kodwa ulahlekelwe ziingenelo. Oko kukuthi, kwimeko yokuqala, ukubuyisa irhafu kunye nesohlwayo, kwaye okwesibini, ukuhlawula ipesenti ezili-13 zerhafu yengeniso yabantu.
Ukukhetha i-akhawunti ye-Parler
I-sberbank inikezela ukuvula i-akhawunti, kwinqanaba lokugcwalisa le fomu, chonga ukuba umthengi ufuna ukulawula imali ngokupheleleyo okanye ukulungele ukuyisebenzisa kwiingcali zebhanki ezinoqeqesho olukhethekileyo.Ewe kunjalo, ubungakanani beKhomishini ehlawulwa yiBhanki ixhomekeke ekukhetheni. Kwabo bagqibayo ukuzirhweba ngokwakhe, iphantsi kakhulu. Kwangelo xesha, ukuba uphakathi kulawulo lwengcali yePotifoliyo, emva koko wenze ukuthengiselana kwakho akuyi kusebenza.
Intlawulo ye-SBERbank Bariffs yeenkonzo zabarhwebi
I-Commersbank ye-SBERbank kwiinkonzo zobrhweyo zinokhuphiswano kwaye zinengqiqo. Kancinci, ukusuka kwi-0.018 ukuya kwi-0.06 pesenti kuya kufuneka ihlawule abo benza intengiselwano ngesicelo sentengiso yesitokhwe. Kwabo bafuna inkxaso yeBhanki yokuqukumbela ukuthengiselana, ireyithi ekhethekileyo-i-0.3% yentengiselwano.
Kwimarike yotshintshiselwano lwangaphandle, ikhomishini evela kwi-0.02 ukuya kwi-0.2 pesenti, kuxhomekeke kumthamo wokurhweba. Ngapha koko, eyona khomishini iphezulu-yezatranshino ezincinci, ngaphantsi kwamawaka ayi-100 ruble, oko kukuthi, ngaphantsi kwe-1 yeedola okanye ii-euro.
Ngaphandle kokungabikho kwemisebenzi yeakhawunti, i-Bhanki ayithathi nasiphi na i-shorissions kunye nezinye iintlawulo ezivela kubathengi. Ke ngoko, ukuba umtyali-mali wayefuna ukunqumama inxaxheba kwintengiso yesitokhwe, akunyanzelekanga ukuba avale le akhawunti.
Ke, i-sberbank ibonelela abathengi bayo ngokufikelela kwimakethi yesitokhwe kumndilili werhafu yethu. Kuya kufuneka kuqatshelwe ukuba ufana nomntu owuthandayo okanye hayi, ngokufanayo, onokuthenjwa kwimibutho yezemali eRussia.
Uqeqesho lokuvula i-akhawunti yabarhwebi kwi-sberbank
- Kuyimfuneko ukumisela uhlobo lweakhawunti esiyivula. Ukwenza oku, kubalulekile ukusombulula imibuzo emibini: Nokuba umxhasi ulungele ukutyala iminyaka emithathu, emva koko kwinkqubo yokugqibezela amaxwebhu ayimfuneko ukukhetha i-IIS. Umbuzo wesibini - ngubani oza kuthatha izigqibo zotyalo-mali. Ukuba yena ngokwakhe, iRhafu iphantsi. Kuya kufuneka ukhethe icebo "elizimeleyo". Okufanayo, ofuna uncedo kunye nenkxaso, kufuneka agxininise kwirhafu "yotyalo-mali".
- Ngaphaya koko, ukuze uvule i-akhawunti, kufuneka ube ngumthengi we-sberbank. Ke yonke into ilula: Ungaya kwinkqubo ye-SBERbank ye-SBERbank ye-SBERbank kwaye uvule i-akhawunti yobrhwedi ukongeza kwindawo yesiqhelo. Gcwalisa nje isicelo kwaye uqinisekise ngekhowudi yeSMS yayo.
- Ukuba iiakhawunti ezikwi-sberbank azingabikho kwaphela, kulula ukutyelela enye yeeofisi, ngakumbi kuba zikho kuyo yonke indawo.
- Inyathelo lokugqibela kukulinda ukuvulwa kweakhawunti. Njengesiza sombutho wetyala, yazisa umthengi ukuba i-akhawunti ivulekile, kufuneka ifike ngaphakathi kweentsuku ezimbini. Into ebangela umdla, iVTB, umntu okhuphisana naye kwinombolo yokuqala, iphakamisa le mizuzu mibini. Kodwa ayinalo inani leofisi.
- Okokugqibela, xa i-akhawunti ilungele, unokuyibuyisela kwaye wenze imisebenzi kwimarike yesitokhwe. Ukwenza oku, kuyacetywa ukuba ufake isicelo seSoftware "Sberbank Badstor" okanye ngokubanzi wamkelwe kwiNkqubo ekhawulezayo yaseRussia.