Sberbank: "Universal" idiphozi. Vula amathuba amasha

Abantu abaningi namuhla likhetha imali ezifakwa emabhange. I "Universal" Sberbank umnikelo kuthandwa kakhulu phakathi kwabantu namuhla. Futhi lokhu akumangalisi, ngoba idiphozi nezimo, okuvumela qualitatively futhi ufeze ukuphatha imali yabo futhi buthelela inani kudingeka ngokuthenga ezinkulu.

Obani kuyinto umnikelo ofanele "Universal" Sberbank eRussia

"Universal" idiphozi kufanelekile ngokuphelele zonke izakhamuzi. Azikho nenqubo ngawo lolu hlobo idiphozi zingalungele. Kuphela uma inani umnikelo kuhlelwe futhi imali kunalokho enkulu ayidingi esikhathini esizayo esiseduze, kuba inzuzo kakhulu futhi mnandi ukuvula idiphozi esiqinile, kusukela ngokusho kwakhe inani lenzalo iphezulu kakhulu.

Ngokuvamile, umnikelo onjalo ivamile phakathi imiphakathi alandelayo:

• Izakhamizi abafuna ukukhulisa nemali ethile of imali ukuthengwa kwesokudla.
• Labo abafuna ukuba ngaphansi untouchable lemali.
• Kanti futhi, abantu abafuna abuthe iyunithi zezimali ukuhamba ethathe lolu hambo.
• Izakhamizi uncamela zonke penny wasebenza phezu kwabo, futhi naphezu kwale mizamo, imali angakwazi ukuyisebenzisa.

Yiziphi izinzuzo umnikelo onjalo

Ngo "Universal" idiphozi kunezinzuzo eziningi:

• The kungenzeka ukulondoloza imali.
• Thola imali kusuka Ukufakwa izindlela.
• Kuyasiza bafundza emakhono ngezezimali kanye ukulahla ngokuphelele imali khulula.
• Kuzoba ithuba ukuqoqa isamba ezidingekayo ukuthenga kuyisikhathi eside elindelwe ebalulekile iyatholakala.

Imaphi amathuba enza "Universal" umnikelo

Ibhange Sberbank "Universal" idiphozi ivumela lesifanele futhi kulula ukuphatha imali. okungukuthi:

• Ukuze ubuyise idiphozi yemali okungenamkhawulo wonke umholo wasebenza.
• Inani kuhoxiswe kokusele ubuncane, okuyinto (ruble 10, okulingana $ 5, uma kungekho idiphozi lwemali kazwelonke).
• Ithuluzi ezifana wokubala Savings Bank imali, depositor ngamunye kuzosiza ukuba baqonde indlela malini kusetshenzelwe phezu idiphozi.
• Ngenxa yalesi umnikelo, ungagcina up kunesidingo ngokuthengwa ezibalulekile noma eside elindelwe uhambo lemali.
• Lokhu idiphozi kusiza ukwenza izinkokhelo nokudluliswa ku-akhawunti oyifunayo.
• Idiphozi Savings Bank "Universal" iminyaka 5, ngenyanga eyodwa, izinyanga ezintathu noma ngonyaka, yebo, iyehluka ngokwezwe Isilinganiso senzalo. Futhi ukuvula idiphozi isikhathi eside nethuba buthelela inani elifunekayo, ngokwesibonelo, ukuqeqeshwa. Lokhu kubalwa kwesikhathi imali akuzona nhlobo amabhange. Ngokuvamile, lezi zinsimbi yasebhange musa ukuvula ngaphezu konyaka.

Imigomo umnikelo "Universal" Sberbank eRussia

Yiqiniso, wonke umnikelo ka ngezindlela ezihlukahlukene zokuvimbela, ukuphakama inani lenzalo kanye nezinzuzo.

Ibhange Sberbank "Universal" idiphozi has imigomo elandelayo:

• Inkokhelo yokuqala kungenzeka inani eliphansi (ruble 10, noma 5 zamadola okulingana kweminye zezimali), futhi kungenzeka ukuvula i-akhawunti ukwenza isizumbulu ukuze uthole inzalo eyengeziwe.
• Izimali angasuswa nganoma yisiphi isikhathi, kodwa qiniseka ukushiya ibhalansi ubuncane.
• Ukuze ukuvula i-akhawunti, imali, idiphozi replenishment akukho ikhomishana.
• Uma usuvule yasebhange Sberbank "Universal" umnikelo, ungakwazi kule akhawunti bese uthola izinzuzo kwezenhlalo, izibonelelo kanye namaholo.
• Idiphozi "Universal" angavulwa nganoma yiluphi uhlobo lwemali: in ruble futhi kumadola, euro.
• Lokhu kusiza ukwenza idiphozi 0.1% esele. Ngokuqondene nalokhu, uma ufuna ukuzuza ku-idiphozi, kungcono ukuvula umnikelo esiqinile. Bala imali wokubala kuzokusiza Sberbank imali. Naphezu kweqiniso lokuthi iphesenti umnikelo incane, namanje kuyasiza uthole ethile, ngokungafani kuya samuntu, uma kuhlanganiswa imali amanga nje ekhadini futhi azisebenzi nhlobo.

Ngisisebenzisa umnikelo kanjani

Sebenzisa idiphozi ngempela kalula. Inketho ezimbili:

1. Lapho uvula ebhange Sberbank "Universal" idiphozi, cela Imenenja kanjani ukulawula idiphozi. Kwesinye isenzakalo, ungakwazi evuselela futhi ukuhoxisa idiphozi ngokuvakashela igatsha lasebhange.
2. Uma ungumuntu omatasatasa futhi uthola kunzima ukuyeka ngamahora okusebenza kwehhovisi, ukuza kwelinye lamahhovisi, vula ngokwakho intanethi yebhange. Le sevisi ikusiza bakude ukuphatha izimali zabo, futhi nokujabulela onke amanye amathuluzi yasebhange. Ngenxa isevisi, "Sberbank Online", unga:

• Diphoza futhi imali yesibambiso.
• Ukuthola ezifakwa entsha.
• Yenza izinkokhelo nokudluliswa.
• Thumela imali kwamanye amaklayenti-akhawunti yasebhange.
• Ubuyise iselula.
• Vula ama-akhawunti.

Lona nje uhlu encane amasevisi ezingase zithathwe esebenzisa ukungena kokukude akhawunti abo.

Lokhu kwakwenziwa ngayiphi injongo ungavula "Universal" umnikelo

Yiqiniso, wonke umuntu uyawuthanda imikhiqizo yasebhange isikhungo sezezimali ukuphishekela imigomo yabo ethize. Kodwa-ke kubalulekile ukuthi ukuqonda ukuthi kungani kubalulekile ukuba namukele isisebenzi Savings Bank ukuvula "Universal" umnikelo. Kumele kuqashelwe ukuthi le sevisi ukunganezeli omunye umthwalo, kodwa kunalokho kuyasiza uthole imali eyengeziwe. Ngakho unake lo idiphozi, ngoba ngenxa yakhe, unga:

• Imali ezibizayo zasendlini nemishini kagesi.
• Londoloza inyanga ngayinye imali buthelela izimali lohambo, okwase kuyisikhathi eside ngiphupha.
• Imali ukufunda enabantwana noma abazukulu.
• Njalo yiba isitokwe Wezezimali, okuzokwenza bazizwa ukuphila elula futhi zikhululekile. Ngokwesibonelo, njalo singaphonsa imali ekhadini, uma abanye lokulondoloza umcimbi inzuzo kakhulu noma ukudayiswa, futhi ukufeza kuthengwe oyifunayo.
• Ukuze buthelela imali ingcebo. Ngisho noma ubeke eceleni inyanga ngayinye ukuze inani elincane, ungagcina eminyakeni emihlanu capital ehloniphekile.
• Ukuhlehlisa ingxenye nomholo wabo ukuthenga imoto. Ungase uthole ukuthi kungaba olukhohlisayo. Kodwa wena ukubala malini ngenyanga udinga ukwenza imali ku-idiphozi ukuqoqa isamba ezidingekayo ukuthenga oyifunayo.

Amatshe kungaba ezihlukahlukene kakhulu. Okubalulekile kakhulu ukuthi abone ngokucacile futhi baqala ukuthutha ifezeke iphupho nge okomnikelo "jikelele" we Savings Bank of Russia.