I-Sberbank isikhungo sesikweletu lapho kungenzeka khona hhayi ukuvula i-akhawunti yamanje noma ukubeka umnikelo ophuthumayo, kepha futhi ukuphetha ngesivumelwano sokuhweba futhi uthole ukufinyelela ekuthengisweni kwesitoko.
Ukuze wenze lokhu, udinga ukuvula i-akhawunti yabathengisi. Ungakwenza lokhu ngezindlela ezimbili: ukuvakashela umnyango mathupha noma usebenzise uhlelo lweSenbank Online kulabo asevele bayiklayenti lenhlangano yezezimali.
Izici zokuvulwa kwe-akhawunti ye-brokerAge eSberbank
I-Sberbank inezinzuzo ezimbili phezu kwazo zonke ezinye izikhungo zezezimali eRussia. Owokuqala waya efa. Amagatsha alo kuwo wonke amadolobha, uma kungenjalo ngokuphelele ukufinyeleleka kwesinyathelo, khona-ke impela kwenye indawo eduzane. Futhi okwesibili yileso sikhathi esezinsukwini ezintsha, iSenberbank yenza uhlelo olusetshenziswayo uma kungenjalo izwe lonke, khona-ke.Ungayivula kanjani i-akhawunti yabathengi eSenberbank uqobo, mhlawumbe, wonke umuntu uyaqondakala: Kwanele ukuza ekuhlukaniseni inhlangano yesikweletu ngepasipoti. Ngakho-ke, sizogxila ekutheni kungenziwa kanjani ukude, ngaphandle kokuvakasha komuntu siqu.
Ukuze wenze lokhu, kuyadingeka ukuba yiklayenti elikhona lesikhungo se-CREDIT. Isici esifanele sisesigabeni se- "ELUNYE" sohlelo lwe-Sberbank Online noma i- "Investment" yesigaba sohlelo lokusebenza leselula lesikhungo se-CREDIT.
Okulandelayo, udinga ukugcwalisa uhlu lwemibuzo, khetha izimakethe ezihlelelwe ukusebenza kuzo: Imakethe yesitoko, ukuthengwa kwezibopho, imali, ukuphepha okuvela ekufezeni. Bese ukhetha imali ekhokhwayo, umthethosivivinywa lapho iklayenti lingathanda ukufakwa kuwo amakhuphoni kanye nama-divations, njalonjalo. Ekupheleni kwenqubo, iklayenti limenywa ukuba livule le ndlela ebizwa ngokuthi yi-akhawunti yokutshala imali yomuntu ngamunye, i-IIS, enikeza ikhefu elithile lentela.
I-akhawunti yomuntu ngamunye e-Sberbank
Ngokuvamile, i-IIS ayihlukile kwi-akhawunti evamile yabathengisi, ngaphandle kwezidingo ezengeziwe, ngakolunye uhlangothi, nemibhalo yentela, ngakolunye uhlangothi.
Ama-akhawunti wotshalomali ngazinye eSvberbank ayizigaba ezimbili. I-IIS yohlobo lokuqala ikuvumela ukuthi uthole ukudonswa kwentela kwama-ruble ayizinkulungwane ezingama-52 ngonyaka. Ngenxa yalokho, umtshalizimali, okokuqala ngqa, eza emakethe yamasheya, kungenzeka ukuthi kungenzeka ukuthi ukubeka, ukukhohlwa okuthile - inani lokuqala elivela kuHulumeni ukuze lizohwebelana ngokuphepha okuqala kanye .
Uhlobo lwesibili lwe-IIS lunikeza enye inzuzo - ama-frees avela kwintela engenayo etholwe emakethe yamasheya.
Ngasikhathi sinye, wonke umuntu kufanele akhokhe: Ukukhetha enye yalezi zinzuzo zezigaba ezimbili zama-akhawunti wokutshala imali ngazinye, umuntu kufanele okungenani abambe imali emakethe yesitoko iminyaka emithathu. Ungakhipha imali ngokwengxenye, kepha usulahlekelwe yizinzuzo zawo. Lokho wukuthi, esimweni sokuqala, ukubuyisa ukuncishiswa kwentela kanye nenhlawulo, kanti okwesibili, ukukhokha amaphesenti ayi-13 entela engenayo yabantu.
Ukukhetha uhlobo lwe-akhawunti ye-brokerAge eSenberbank
I-Sberbank inikeza ukuvula i-akhawunti, esigabeni sokugcwalisa ifomu, nquma ukuthi iklayenti lifuna ukuphatha imali yalo ngokuzimela noma ukulungele ukunikela ngochwepheshe basebhange abanokuqeqeshwa ochwepheshe abakhethekile.Vele, usayizi weKhomishini ekhokhelwe yibhange kuncike ekukhetheni. Kulabo abanquma ukuzihweba, kuphansi kakhulu. Ngasikhathi sinye, uma ufaka ukuphathwa kwePortfolio Professional, bese wenza owakho ukuthengiselana ngeke kusebenze.
Izintela zeSerberbank zezinsizakalo zabathengisi
Amakhomishini Sberbank kumasethingi e-brokerAge ayancintisana kakhulu futhi anengqondo impela. Kancane kancane, kusuka ku-0,018 kuya ku-0.06 amaphesenti kuzofanela akhokhe labo abenza ukuthengiselana bodwa ngokusebenzisa uhlelo lokusebenza emakethe yamasheya. Kulabo abadinga ukusekelwa kwebhange ukuphetha okwenziwayo, isilinganiso esikhethekile - utshalomali, 0.3% wokuthengiselana.
Emakethe yokushintshaniswa kwamanye amazwe, ikhomishini evela ku-0.02 kuya ku-0,2 amaphesenti, kuya ngevolumu yokuhweba. Ngaphezu kwalokho, ikhomishini ephezulu kakhulu - ngokuthengiselana okuncane, ama-ruble angaphansi kwezinkulungwane eziyikhulu, okungukuthi, ngaphansi kwamadola angaphansi kwenkulungwane noma ama-euro.
Uma kungekho imisebenzi ye-akhawunti, ibhange alithathi noma yimaphi amakhomishini nezinye izinkokhelo ezivela kumakhasimende. Ngakho-ke, uma umtshalizimali efuna ukumisela ekuhlanganyeleni kwakhe emakethe yamasheya, akudingekile ukuvala i-akhawunti.
Ngakho-ke, iSberbhenk ihlinzeka amakhasimende ayo ngokufinyelela emakethe yamasheya ngokwesilinganiso amanani entengo yethu yezwe. Kumele kuqashelwe ukuthi ufana nomuntu akuthandile noma cha, konke okufanayo, izinhlangano zezezimali ezithembeke kakhulu eRussia.
Ukufundiswa Ungayivula i-Akhawunti ye-BrokerAge eSenberbank
- Kuyadingeka ukuthola uhlobo lwe-akhawunti esiluvulayo. Ukuze wenze lokhu, kuyadingeka ukuxazulula imibuzo emibili: noma ngabe iklayenti likulungele ukutshala imali iminyaka emithathu, bese kuthi inqubo yokuqedela amadokhumenti adingekayo ukukhetha i-IIS. Nombuzo wesibili - ubani ozothatha izinqumo zokutshala imali. Uma yena uqobo, intela iphansi. Udinga ukukhetha uhlelo "oluzimele". Okufanayo, odinga usizo nokusekelwa, kufanele kuqokonyiswe ku-Traiff "Investment".
- Ngaphezu kwalokho, ukuze uvule i-akhawunti, kufanele ube ikhasimende laseSberbank. Ngemuva kwalokho konke kulula: ungaya kuhlelo lwe-sberbank online bese uvula i-akhawunti yabathengi ngaphezu kokuxazululwa okujwayelekile. Vele ugcwalise isicelo bese uqinisekisa ikhodi yayo yokuthumela ye-SMS.
- Uma ama-akhawunti eSenberbank awekho nhlobo, kulula kakhulu ukuvakashela elinye lamahhovisi, ikakhulukazi njengoba zikhona yonke indawo.
- Isinyathelo sokugcina ukulinda ukuvulwa kwe-akhawunti. Njengoba indawo yenhlangano ye-Credit Inhlangano iqinisekisa, yazisa iklayenti ukuthi i-akhawunti ivulekile, kufanele ize kungakapheli izinsuku ezimbili. Kuyathakazelisa ukuthi, i-VTB, umncintiswano we-vberbank inombolo yokuqala, iphakamisa lokhu ngemizuzu emibili. Kepha ayinawo amahhovisi amaningi anjalo.
- Ekugcineni, lapho i-akhawunti isilungile, ungayiphinda futhi wenze imisebenzi emakethe yamasheya. Ukuze wenze lokhu, kuhlongozwa ukuthi kufake uhlelo lokusebenza leselula "iSerberbank Investor" noma yamukelwe ngokuvamile kuhlelo lwe-Russian Stock Market Market.