Lapho inzalo kuma-deposits iba ngaphansi, abaningi bazibuza ukuthi ngabe i-II ivulekile eSenberbank. Kulabo abangakazi, bachaza ukuthi i-ISS iyi-akhawunti yomuntu ngamunye yokutshala imali, abantu abangabamba iqhaza emakethe yamasheya nangesikhathi esifanayo bathole amakhefu athile wentela.
Imakethe yesitoko kanye namabhondi kungaletha inzuzo ethe xaxa kunediphozi yasebhange, kepha imali engenayo kanye nokulondolozwa kwenani lokuqala lemali akunakuqinisekiswa. Ukuthatha isinqumo esifanele, izici ezithile ze-IIS eSenberbank kufanele zaziwe ngaphambi kwesikhathi.
Kungani kufanele iis ivulwe eSenberbank
Ngeshwa, inzalo kumadiphozi ebhange ingahle ibe ngaphansi kwamanani angempela. Kwenzeka ikakhulukazi ukuthuka lapho umnikelo kuma-ruble wenziwa ngesikhathi sokuqina komnotho kwangaphandle. Kepha kungazelelwe, ngesikhathi sediphozithi, kwenzeka okuthile, isimo sishintsha kakhulu, futhi amanani ashintshile azungeze - abhubhise ngokuphelele yonke inzuzo, futhi imali etholwayo etholwe emuva ingathengwa ngaphansi kwalapho ichithwe ngokushesha.Amathuluzi we-IIS
Ngabe kukhona izinketho zokuthola imali engaphezu kokuthunyelwa ebhange? Bekulokhu kwalokhu ukuthi uhlelo luhlongozwe ngohlelo lwama-akhawunti wokutshala imali ngakunye, lapho ungatshala khona imali hhayi kuma-deposits, kepha emakethe yezokuphepha.
Abanikazi bama-akhawunti batholakala ikakhulu amakilasi amabili amathuluzi: izibopho - izibopho zesikweletu zombuso nezinkampani, namasheya - empeleni, isabelo sezezimali, kanye nokuthola i ukukhuphuka kwenani lezifundo.
Uma konke kucacile ngezibopho, ekugcineni ngosuku lokukhokha imali abatshalizimali kuzothola inani elithenjisiwe, khona-ke imali engenayo ayiqinisekisiwe. Wabasaqalayo kufanele ancome ukuthi angajahi ngokushesha ukuthola inzuzo ephakeme kakhulu, kepha ukuqala ngezinkampani ezinhle kakhulu, okuthiwa ama-chip aluhlaza okwesibhakabhaka.
Amakhefu we-IIS kanye nentela
Ukuze izakhamizi ezithakazelisa ekutshalweni kwemali ekuvikelweni, uMbuso uhlinzeke ngezinzuzo zemakethe zentela. Ngaphezu kwalokho, izinketho ezimbili ze-IIS zinikezwa. Okokuqala, ungathola ukuncishiswa kwentela ngenani elingama-ruble ayizinkulungwane ezingama-52 ngonyaka lapho ugcwalise i-akhawunti yomuntu ngamunye yokutshala imali. Lolu hlobo lwe-IIS lunenzuzo kulabo abathola iholo elimhlophe. Kepha kubhekwa njengokungenamsebenzi kosomabhizinisi abathile nabahola impesheni.Inketho yesibili ukukhululwa kwe-IIS kusuka entela engenayo kuyo yonke inzuzo etholwe ngohlaka lokubamba iqhaza kulolu hlelo. Lolu hlobo lwe-akhawunti lulungele labo abatshala imali ebalulekile.
Ngeshwa, ngasikhathi sinye, kungenzeka futhi ukuthola enye, iklayenti kufanele likhethe noma umzuzwana.
Ungayivula Kanjani Ijeru eSenberbank
Ekuqaleni, uhlelo lokusebenza lungagcwaliswa esizeni kungaba ngohlelo lwebhange lekhasimende. Kusuka kumtshalizimali kuphela ipasipoti ezodingeka. Futhi, vele, amadokhumenti okuthola ukudonswa kwentela, isitifiketi esivela endaweni yomsebenzi, amafomu entela, njll.
Zonke izakhamizi zingavula i-IIS eyodwa kuphela. Isikhathi esincane siyiminyaka emithathu, futhi ukususwa kwengxenye yokuqala akunakwenzeka. Ungaphinde ugcwalise i-akhawunti kuphela ngama-ruble, akukho ngaphezu kwezigidi eziyi-1 ruble ngonyaka. Le mithetho ayivumelekile hhayi eSenberbank kuphela, lokhu kusebenza kuwo wonke ama-IIS.
Kungani ukhethe i-Sberbank ye-IIS
Iphakethe lokulawula likaSberbank lisezandleni zombuso, futhi nakanjani lizosekela lesi sikhungo sezikweletu kunoma yisiphi isimo. Ngakho-ke, noma yikuphi ukutshalwa kwezimali eSenberbank kungabhekwa njengokufana nokwethembela, njengoba, ngokwesibonelo, ngezokuphepha kukahulumeni.Kuze kube manje, iSenberbank akuyona nje ibhange elikhulu kakhulu lezwe, kodwa futhi labantu abathandwa kakhulu. Futhi lokhu kusho ukuthi le nhlangano iyavula futhi isebenza ngenani elikhulu le-IIS. Okungukuthi, ochwepheshe banokuhlangenwe nakho okwenele.
Uhlangothi olubuyela emuva lwenani elikhulu lamakhasimende luwumugqa otholakala ezihlukanisweni ezihlobene nokutshalwa kwezimali, hhayi nje ngezikweletu zokusebenzisa.
Amanani we-IIS Sberbank avezwa ukuncintisana kakhulu, kwezinye izikhathi aphansi kakhulu kunabanye abathengisi ezimakethe zesitoko. Isibonelo, ukuthengiselana emakethe yamasheya kusuka ku-0.018 kuya ku-0.06 amaphesenti.
I-Sberbank inikezela amakhasimende ayo ukulungiswa kwezixazululo ze-IIS. Inani eliphansi lediphozi lama-ruble ayizinkulungwane eziyishumi. Kuze kube manje, kunezindlela ezimbili ongakhetha kuzo: "Isu le-IIS lokuqongelela" kanye "namasheya aseRussia Russian". Umusho wokuqala ungukutshala imali okulondoloziwe kwezibopho. Inketho yesibili, njengoba kucacile egameni - kususelwa ekuthengeni amasheya, lapho kulindeleke khona isivuno, kodwa futhi nengozi izoba ngaphezulu.
Ngingayenza malini ngemali ku-IIS eSberbank
Imali engenayo ye-IIS ayiqinisekiswa yincazelo. Kepha kukhona, ake sithi, okulindelwe ngokufanele ngokusekelwe ekubikezeleni kwabahlaziyi. Futhi isivuno sincike ekutheni ubani vele iphothifoliyo ngaphakathi kwe-akhawunti.
Ngokwe-pre-elungiselelwe kwangaphambilini kumakhasimende amasha, imikhiqizo ye-Sberbank evezwe yisibalo samaphesenti ayi-6.9-9-9,1 ephothifoliyo elondolozayo, equkethe izibopho. Ngokusho kokwabelana, isikhungo sesikweletu sigwema izithembiso.
Ngokuvamile, kungashiwo ukuthi kunezimali ezitokisini, ezedlule ezilawulwa ukuthola kanye namaphesenti angama-30, namaphesenti amaningi ngonyaka. Kepha nalabo abahlala ekulahlekelweni okujulile. Ngasikhathi sinye, i-IIS inenzuzo eyodwa: umgcinizimali akufanele abe ngumqapheli nje owenzekayo. Angase afunde imakethe uqobo, athole isipiliyoni ekuhwebeni kwesitoko futhi angenele amadili ngokwawo. Kulokhu, kuzoba okungenani umuntu okufanele abuze.
Izinzuzo nokubi kukaJes eSberbank
Ake sifingqe ukuze wonke umuntu athole iziphetho zakho. Ngakho-ke, izinzuzo zokuvula iis eSenberbank:
- Isivuno esilindelekile siphakeme kunama-deposits.
- Amandla okubuyisa intela yemali engenayo ekhokhelwayo njengokudonswa kwentela uma ukhetha i-IIS yohlobo lokuqala.
- Njengoba kunikezwe lokhu kubuya, ukuhweba kuzoqala nge-Plus enama-ruble ayizinkulungwane ezingama-52 ngonyaka. Okungukuthi, umtshalizimali we-novice anokunikezwa okuthile kokubhuka.
- Isipiliyoni esisha. Ukubamba iqhaza emakethe yamasheya yenqubo eningi kuyinqubo ethokozisayo eletha inzuzo kuphela ekutshaleni imali, kodwa futhi nenjabulo yenqubo uqobo.
Ngeshwa, kukhona e-IIS nasebubini, ngokungafani nomnikelo olula. Okubaluleke kakhulu kwalawa:
- Imali engenayo ayiqinisekisiwe. Kwezinye izimo, ngisho nokulahlekelwa kungenzeka.
- Imali ayinakuhoxiswa ngaphambi kweminyaka emithathu. Ngaphandle kwalokho, kuzofanele ubuyele kuHulumeni konke ukudonswa kwentela okutholwe yi-IIS kuzokhokha, ukhokhe i-NDFL.
- Ungatshala ama-ruble kuphela ngale ndlela. Lokho wukuthi, ama-IIS awavikeli ushintsho okungenzeka ezifundweni zikazwelonke zemali.