Sberbank: kanjani yokwenza ikhadi lomhlalaphansi?

Abahola impesheni abaningi bangamakhasimende ezinkampani ezahlukene. Kodwa amabhange ambalwa anikeza ithuba elijabulisayo abantu abaneminyaka yobudala yokuthatha umhlalaphansi ukubolekisa imali, ngoba lesi sigaba samaklayenti sisengozini (hhayi ukubuyiselwa kwemali ebolekiwe). I-Sberbank, enikeza isikweletu sempesheni, inikeza izakhamuzi asebekhulile isikweletu ngenkathi amanye amabhange abaphika lokhu ngenxa yobudala babo.

Sberbank: indlela yokwenza ikhadi lomuntu ohola impesheni

Ukuze ubhalise loluhlobo lwemali mboleko, kubalulekile ukuhlinzeka isisebenzi sebhange ngepasipoti, i-TIN, nesitifiketi semali yempesheni ekhishwe. Isikhathi sesinqumo ngokuvamile asidluli izinsuku ezimbili. Uma kwenzeka umhlalaphansi ehola impesheni nge-Bank Savings, khona-ke kusukela kumadokhumende azodinga ukuhlinzeka kuphela ipasipoti, futhi isikhathi sokwenza izinqumo sizoncishiswa sibe amahora amabili. Uma iminikelo yempesheni inikwe elinye ibhange, ungakwazi ukukhipha ikhadi leVisa. I-Sberbank ivame ukukudonsa ngaphandle kwesivumelwano, kodwa inikeza ithuba lokujabulela izinzuzo zalesi sikhungo. Eqinisweni, izinhlelo eziningi zebhange zicabangela ukwethembeka kwamakhasimende. Ngakho-ke, kubabolekayo, abatshalizimali kanye nabanye abantu abasebenzisa izinsizakalo ze-Sberbank, kunezinhlelo zebhonasi, ukukhushulwa njalonjalo.

Sberbank: kanjani ukudweba ikhadi nokuthi yiziphi izimo

Imigomo uSberbank ehlongozwayo yokuthola iboleji inembile futhi inengqondo. Okokuqala, ubudala bomuntu obamba imali ngaphansi kwalolu hlelo kufanele bafinyelele eminyakeni yobudala yomhlalaphansi. Okusho ukuthi abesifazane banelungelo lokusebenzisa lolu hlelo lwezikweletu kusukela eminyakeni engu-55 namadoda avela eminyakeni engama-65. Okwesibili, ekupheleni kwesikhathi sokubolekwa umklomelo womboleki akufanele kudlule iminyaka engama-75. Inani lemalimboleko lingase lihluke, kuxhomeke kumadokhumenti anikeziwe. Lokhu kungukuthi, uma umhlalaphansi engakwazi ukunikeza isibambiso sokubuyiselwa kwezimali zebhange, inani lemalimboleko lizoba ngama-ruble ayizinkulungwane ezingu-15 kuya kuma-ruble ayizinkulungwane ezingu-45, futhi isikhathi sokukhokha sizoba iminyaka engaba ngu-3. Uma isibambiso singanikezwa, inani nemali kuzokwandiswa ngokufanele. Isihloko sokubambisana singasetshenziswa kokubili impahla kanye nemoto, nezinsimbi eziyigugu noma izimpahla zokugcina.

Sberbank: indlela yokwenza ikhadi lomhlalaphansi (imininingwane)

Izithakazelo zenzalo ziyoncike ezimweni zokuthola isikweletu kanye nobude bayo. Ngokuvamile zihluka phakathi kuka-15% -21% ngonyaka.
Uma imali ehlongozwa yibhange ayihambisani nomhlalaphansi, angakwazi ukwandisa umkhawulo wesikweletu ngokunikeza imibhalo edingekayo. Ngomhlalaphansi osebenzayo, lokhu ngokuvamile isitifiketi semali etholakalayo emsebenzini. Kwalabo abangasebenzi, kuyimvume yomkakhe ukuba abe umboleki. Kulokhu, isibonakaliso solvency somboleki sizoba yimpesheni yomfazi. Okuphawulekayo ukuthi umqashi wakho angaba omunye umuntu. Isibonelo, indodana noma indodakazi. Empeleni, izingane zabantu asebekhulile zingafunda kabanzi mayelana nazo zonke izinhlelo ngokuningiliziwe, ngokufunda ulwazi ngesihloko esithi: "Sberbank: kanjani ukudweba ikhadi lomuntu ohola impesheni."

Kusukela ngenhla, singaphetha ngokuthi izimo zemboleko kwiBanki ye-Savings zithembeke kakhulu kulabo ababolekayo eminyakeni yobudala bomhlalaphansi kunezinye izakhiwo zokuhweba. Ngakho-ke, uma kwenzeka imali idinga kakhulu ngokuphuthumayo, kubalulekile ukukhipha ikhadi lesikweletu leSberbank, kunokuba kube yingozi, ukuzama ukukwenza kwezinye izikhungo ezingekho kahle kakhulu.