Umnikelo "amaphesenti Happy" (Savings Bank): libuyekeza emabhange

Savings Bank inikeza izimali zalo amaphrojekthi ngokuvamile eyenziwa ngezinkathi ezithile zonyaka ku imali. Lokho umnikelo "isithakazelo Happy" yavela kulo nyaka. Sberbank, ukubuyekezwa ngokuyisisekelo kuphela omuhle, njalo inikeza zimali enezimo ezingcono futhi kuvula iminikelo yonke ukunambitheka kanye nesabelomali.

Izici

Isikhathi siqhubeka, kodwa osenza iminikelo kuzuzisa kakhulu Sberbank eRussia. Umnikelo "Happy amaphesenti" kungenziwa ikhishwe izinyanga eziyisithupha noma izinyanga 9. Kuphinde kuvule idiphozi kuphela yendawo, kanye negalelo ubuncane kuyakuba ruble hhayi ngaphansi kuka-100 eziyinkulungwane. Yiqiniso, akuwona wonke umuntu isamba okunjalo, kodwa futhi iphesenti idiphozi muhle kakhulu - kufike ku-10%.

Umnikelo ayinikeli ukusekelwa noma ukuhoxiswa ngokwengxenye, okuyinto olungisisa ibhidi ephakeme. Kodwa kungenzeka prolongation yesivumelwano ekupheleni ethemini eyayifunwa inkontileka namagama efanayo ezihlinzekwa Sberbank. Imali "Happy amaphesenti" abantu ukuhlinzekela kuvulwa passbooks, asetshenziselwa lesizukulwane esidala. Ithemu idiphozi ukuvulwa lilinganiselwe, ngakho udinga shesha ulula.

zenzalo

Cabangela lokho inzalo idiphozi inikeza Sberbank. Izinga lenzalo yemali mboleko ku idiphozi "Happy amaphesenti" ngeke ngqo incike lemali idiphozi futhi elithi wabizwa okuyiwona.

Izinzuzo kuthiwa enqwabelene ekupheleni kwesikhathi. Ayikho ofeleba, kodwa inzalo engako, futhi esifishane akusiyo efanele. Gross inzuzo Umelekeleli angasuswa noma yayiswa ecacisiwe akhawunti kokuhlola. Uma abantu olungokwemvelo ufuna ukuvala idiphozi kwesikhathi, dividend enqwabelene ehlosweni langempela izobalwa ngesilinganiso "ngokufunwa".

Imibhalo kanye kuvulwa idiphozi

Ukuvula Savings Bank of Russia idiphozi "amaphesenti Happy", kufanele uhlinzeke madokumende alandelayo:

• iphasiphothi Russian;
• isicelo ukuvula idiphozi;
• inombolo wentela yesibonakaliso siqu;
• ngoba abantu abangekho izakhamuzi Russian Federation, kubalulekile ukuze unikeze isiqinisekiso imvelaphi wezomthetho izimali ezitshaliwe.

Ngokubona kwayo, iBhange angacela imibhalo ezengeziwe. Uma zonke izimo benelisekile depositor idiphozi, zikhona ongakhetha eziningana indlela ukuvula idiphozi "amaphesenti Happy." Sberbank, okuyinto libuyekeza ekushoyo ezinhle yedumela lakhe, inikeza ukuvakashelwa elula yiliphi ihhovisi noma ukusebenzisa isevisi Sberbank inthanethi.

Ukuvula idiphozi ebhange, udinga:

• Khetha yiliphi ihhovisi elula.
• Buza umphathi ukuhambisa nezinye iziphakamiso, kanye itawenaba isevisi "isithakazelo Happy" (ngezinye izikhathi ku-intanethi, ngisho kumawebhusayithi ezisemthethweni, mhlawumbe hhayi yonke imininingwane zibekwe).
• Uma ukubhaliswa izimo umnikelo, yonke into icacile, futhi azikho uneminye imibuzo, ungakwazi ukunikeza imibhalo yokubhalisa.
• Yethula i-passport noma ezinye ubufakazi ungubani (zesicelo asebhange).
• Bhala isicelo ukuvula idiphozi.
• Uzijwayeze imigomo yenkontileka bese ungena ke.
• Ukuze lifake izimali.
• Linda inzuzo.

Uma zimali unazo ikhadi Savings Bank, ungazama ukude ukuvula idiphozi "amaphesenti Happy." Sberbank, ukubuyekezwa okuyinto engcono hlola ngaphambi kuthengiselana, inikeza yasebhange yayo inthanethi Sberbank inthanethi. Akukho lutho nzima, nje kudingeka ulandele imiyalo isevisi. Vele uye kuthebhu "Imali kanye nama-akhawunti" futhi ngemva nje ukuchofoza izinkinobho ezimbalwa ukuze faka imali edingekayo.

umshwalense

Esikhathini Savings Bank, kanye nanoma iyiphi enye inhlangano yezezimali, usebenza uhlelo umshwalense idiphozi. Siyabonga ebhange lakhe kungaba offset yonke imali idiphozi uma kwenzeka i-force majeure. Ngaphansi imithetho yezezimali is unable kuze khokha ngesikhathi esisodwa ruble ezingaphezu kuka-700 eziyinkulungwane. Kodwa labo abatshalizimali babe ku idiphozi ingaphezu leli nani, ungakhathazeki. Vele imali esikhokhwa ngezitolimende ezimbili.

Ngenxa isevisi yomshuwalense idiphozi kungenziwa oVikelwe nomnikelo "amaphesenti Happy" (Sberbank). Uphenyo lo mnikelo ingafundwa ku-website esemthethweni ibhange, kanye nemithombo third-party. Kuyini umnandi kakhulu umshwalense idiphozi akanayo ukukhokha. Ibhange ngokwayo okhokhela le sevisi. Endabeni ucabanga noma kuhoxiswe lokho ilayisensi ukujanyiswa kwesikhatjhana umsebenzi okunye lenhlangano kumele akhokhe u-100% we izimali ezitshaliwe. Ngaphezu kwalokho, lokhu nezinye iminikelo Savings Bank angadluliselwa libe yifa lenu.

Enkabeni yalo, imali - lokhu ingenye yezingxenye bokuba khona amabhange. Imali abagcini zimali abasele ebhange, isikhungo sezezimali ayifake kwegazi. Ngakho, ngenxa yalokhu ngisho nokuthenga akhokhe inzalo. Futhi ephakeme idiphozi, ayanda intela yemali yesibambiso. Yingakho Savings Bank, nezinye amabhange bakhathazekile idiphozi nokuvikeleka.

Izibuyekezo

Ngokusho Sberbank emabhange, idiphozi "amaphesenti Happy" kwaba imali eningi kakhulu futhi inzuzo. Naphezu kweqiniso lokuthi imali obuncane ruble 100 (hhayi wonke umuntu isamba okunjalo, ikakhulukazi ukubona idiphozi), abaningi baye banquma ukuvula idiphozi nezimo ezinjalo. Uma ubheka ngeso elibanzi, ku imali okuhle nokuba kwakhe nesithakazelo bazothola ehloniphekile. Ukuvela idiphozi enjalo, amakhasimende ebhange sithi imali yabo kuzoletha imali yangempela. Futhi akudingeki ukuba sikhathazeke ukuphepha imali yabo ngoba Sberbank konke kakade wacabanga.