How uchatamisa munhu mudyandigere panguva mumari Bank kadhi? Mudyandigere pamepu mumari Bank: Bank chirongwa vakwegura

Zvose evanhu mapoka Russia dzakawanda pensioners zvose. Mumwe mwedzi, hurumende rinoronga navo mugove. Options chokuwana mari zvishoma. Unogona kutaura pamwe passbook kubhengi bazi uye simbe tungamidzana rokumirira muripo. Vamwe Mapato vemunyika positimeni kunounza mari kumusha. Asi zvose izvi zvaramba hazvisi nyore chaizvo, nekuti iwe une kupedza nguva yakawanda. Zviri nani kushandisa bhanga kadhi. Mukati anogona kuva sangano zvemari. Kuti uwane mamwe mashoko nezvokuti ungabata sei uchatamisa mudyandigere pamusoro Sberbank kadhi, verenga mberi.

zvakwakanakira

Sberbank - chikuru uye akatsiga zvikuru chikwereti kupfungwa kuRussia, iyo inopa vatengi dzaro guru mukana, tichienzanisa nedzimwe zvakafanana masangano. For pensioners vakadaro nuances inokosha:

• Sberbank - musangano wehurumende. Mune chiitiko zvoupfumi ukapisa murwi ndingangokuvara liquidation mashoma.
• Sberbank anotungamirira kwenhamba mapazi Russia uye imwe network chikuru gumi enyika. Ndiko kuti mubve mari kubva kadhi kuva basa iri chero munharaunda munyika.
• The chikwereti sangano rinopa vatengi ayo ane basa kure nhoroondo basa. Zvisinei, kwete pensioners zvose zvagadzirwa kunyatsodzidza yazvino Internet michina. Asi kugamuchira SMS Notifications pamusoro kwema pakadhi yavo haashandi kuva.
• Kunyanya chikamu ichi vomuUmambo yambokurukurwa "evanhu mepu" of mari Bank. Mudyandigere zvikanzi nayo pasina makomisheni.

mubhadharo music

"Social" - mumwe debit kadhi Maestro muchikwata. Special ropafadzo kushandiswa kwayo hadzina inopiwa kunze. Asi mukati nemambure kunogona kuva nechikwereti sangano:

1. rwoga uye nguva dzose vawane mudyandigere pamusoro kadhi Sberbank.

2. Kushandisa Free imwe muripo chiridzwa.

3. nokukurumidza uye chero nguva zuva kuzoposhera uye kadhi mari kuburikidza ATMs.

4. Gamuchirai okuwedzera mari kuti 3.5% paminiti annum nokuti nhoroondo nomwero.

5. Kuti mubasa bhonasi chirongwa "mazvita" - kutenga discounted zvigadzirwa mu Pharmacies uye nemumwe muzvitoro.

kunyoresa nzira

Kugamuchira mudyandigere panguva mari Bank kadhi, unofanira:

• Zivisa dhipatimendi pamwe ID uye pasipoti.
• Itai kukumbira kadhi nyaya.
• Kutsvaga printout pakati nezvokuzadziswa nhoroondo.
• Cards anowanikwa mavhiki maviri. Kuti tiwane muripo mudziyo, zvinokosha kuzodzosera anoshanda kubhengi bazi. Kuwedzera mapurasitiki, mushandi anofanira kupa hamvuropu pamwe PIN remitemo yokubva mari iri zviteshi.

How uchatamisa munhu mudyandigere panguva mumari Bank kadhi?

Zvinonzi chakasvitswa kuti miganhu dhipatimendi PF mashoko ari nouya. Rine mashoko ari kadhi, zita anenge raMwari, zita kubhengi. Nokuti kopi gwaro rinoshandisirwa passbook pamudyandigere uye rubatsiro kuvhura account. Rimwe bhuku wakachengetwa ari PF. On wechipiri inofanira nokutsikisa nhamba uye musi kunyoresa mbiru. Pano zvakafanira kuti zvakanyatsonanga vose magwaro dzave hwakatamisirwa mudyandigere Fund. Kana chikumbiro kuti kuchinjwa pensions kubudikidza Sberbank kadhi yawapihwa kwamazuva mashoma asati inotevera muripo, ipapo Ungangove, mari achaiswa kune inotevera mwedzi.

Pashure vanyorwa chikumbiro shanduko maturities. Kana kubatsira pensioners vanogamuchira 12-13 neimwe mwedzi, kuchinjwa kuva mudyandigere pamusoro kadhi iri mari Bank chinogona yakanonoka 5 mazuva. PF inofanira zvakaenzana ugovere mari nhoroondo.

nuances dzebasa

Commission kuti kuvhura account iri 10 rubles.

The Bank anopa ayo nemakasitoma pamwe SMS-mashoko nezvemari chinja. Nokuti kadhi yokuisira "Social" vachibhadharisa pakuchinja yokutanga mitatu zvichabviswa mhosva. Munguva unozotevera Nokuraramisa achafanira kubhadhara 30 rubles. / Month.

Cardholders kuwana kuti chinouraya, kuburikidza paunogona uchatamisa mudyandigere nokuda Sberbank hama kadhi, kubhadhara Magetsi nemvura, recharge foni, kutumira vamwe mari.

Contact nzira

Kana paine chikonzero chinoita pamudyandigere haadi kuti inobhadharwa Sberbank kadhi, unogona kuita Redirect. Pane zviitiko zviviri.

Chokutanga, mupiro "mudyandigere Plus" haisati kuvharwa uye passbook ake. Muchiitiko chino, unofanira kushanyira PF uye kunyora kuramba kupa kuchinjwa kuti rokubhengi. Pashure pokugamuchira mubhadharo pamusoro kubhangi Zvakakodzera kuvhara nhoroondo ine chikwereti sangano. Somugumisiro akadaro kuvhiyiwa, portability pakati pensions kuti kadhi nemari Bank haangaregi kuitwa.

Chechipiri, passbook akavigwa arşive. Muchiitiko chino, zvose zvinoenderana nemamiriro ezvinhu. Unogona kuvandudza basa chero zvimwe chikwereti sangano nako anoshandira PF. Kana pfungwa iyi zvikasashanda, uchava kunyora fomu makomborero kune posvo yekwandaigara. Chero zvazvingava, zviri nani kuti kugadzirisa dambudziko kubudikidza PF. Bank vashandi mubasa vorega kunyoresa haazovanzwiri.

Holdings

Pane chimwe chikonzero, nokuda izvo pane kufarira mubvunzo sei kuti uchatamisa mudyandigere pamusoro Sberbank kadhi. A chikwereti sangano rinopa vagari ichi kuisa akaunganidza mari iri dhipoziti pamwe wakakodzera ezvinhu:

- High chimbadzo;

- Insurance mari;

- mukana kutamira pamwedzi mubereko dzakava pamusoro nhoroondo;

- deposits zvinogona pachayo uye roll.

Muna 2015, mumari Bank akadzima kubaya dhipoziti kuti vakwegura. Asi chinokosha ezvinhu waiti huripo: yacho yeGmail.END_STRONG anogamuchira kunonyanyisa mwero purogiramu yasarudzwa. Mari inogona kupfeka nhoroondo rubles, madhora kana euros pamapazi bhokisi hofisi kana kuburikidza "Sberbank Online".

The chimbadzo mu rubles kusanganisira rollover mipiro uye capitalization fluctuates mukati zvimwe:

• "Rambai": 9,7-10,29%;
• "Recharge": 10,05-9,58%;
• "Mudyandigere Plus": 3,5-3,55%.

Kufarira yakaderera. Unogona kurongwa kana achida mupiro neimwe chikwereti sangano kana kuti kuisa mari mu nemari certificate. Chete mumutsetse wokutanga vachafanira kuwana yakavimbika bhengi, uye wechipiri kurangarira kuti mubhizimisi kunyange pasi 13.25% paminiti annum havasi insured.

Zvisinei, kana, izvi upfumi chete vari akaurayiwa kuburikidza internet rwezvemabhengi, mubereko accrual ezvinhu handishanduki, uye kwakawedzera sei kuwedzera:

• "Rambai SHC @ ploumanac h": 10,5-11,34%;
• "Recharge SHC @ ploumanac h": 11-10,61% (kwemakore matatu).

Mukuwedzera, pamudyandigere, processing chero deposits muna Sberbank, anonakidzwa pamusoro bonuses imwe mhando:

- Tsvaka passbook;

- dzakava mubereko anogonawo kuronga kuchinjwa basa iri kadhi uye kurishandisa takasununguka mugore basa rokutanga;

- asingaiti mutero, nokuti mubereko deposits pazasi refinancing mwero;

- ingangowedzera romupiro, chibvumirano hauna patsva.

mhedziso

Kamwe chete pamwedzi, hurumende anotamisa kuti nhoroondo pamudyandigere mugove. Kundoitora, kare ndaifanira kumira mumutsetse posvo yacho. Zvino Lenders kupa vatengi dzinoronga mubhadharo chinoshandiswa kuwana zvikomborero. How uchatamisa munhu mudyandigere panguva mumari Bank kadhi? Vanofanira kushanda kuti dhipatimendi rimwe sangano zvemari ane chitupa uye pasipoti uye vanoisa ndarayira. The kadhi takagadzirira pane mavhiki maviri.