Funso ndalama: mmene kopindulitsa ndalama kwa anthu, Sberbank ndi okonzeka?

B Posachedwapa, anthu ambiri amapita ku mabungwe a zachuma kuphunzira za zopereka za anthu. Sberbank wayamba kusankha ambiri chifukwa cha mlingo wake ndi mndandanda wa utumiki. Komabe, zinthu oyamba.

kusankha otchuka

Choyamba, tiyenera kuuza inu za madipoziti wotchuka anthu. Sberbank amapereka tariff «Khalani», c zimene mungathe kutsegula akaunti ndalama kwa nthawi ya mwezi 1 mpaka zaka Z. Ndi kupezeka kwa aliyense, chifukwa osachepera kuchuluka kwa ndalama ndi 1000 p. Ho ayenera kudziwa kuti chopereka sizikutanthauza kuti n'zotheka kubwezeretsa ndi tsankho achire. chiwongola dzanja, malingana ndi nyengo kuyambira 4.6 kuti 6,23%.

kusankha wina wotchuka ndi makasitomala tariff "recharge". Mlingo Pankhaniyi ranges ku 4,92 kuti 5,72%. Komabe, chopereka akhoza linapereka miyezi 3 zaka 3. Tsankho achire ndi sizingatheke, koma zilipo zonse kubwezeretsa nkhaniyi.

chilengedwe omasuka ndi mitengo otsika chidwi

Izi ndi zotheka. anthu ambiri kuphunzira zopereka opindulitsa a anthu Bank ndalama, kusankha "Drive" tariff. Chiwerengero ndi laling'ono, zimasiyanasiyana 4,62 kuti 5,41%, koma zinthu zofunika kwa kasitomala omasuka. Iye, anaperekeranji tariff akhoza kubwezeretsanso gawo pakati ndalama pang'ono, pamene akufunika. Open chopereka amenewa kungakhale kwa miyezi ndi zaka Z Z.

The osachepera kuchuluka, monga kuyenera tariff tatchulazi, sayamba ndi rubles zikwi, Mac 30 000. Mwa njira, ngati munthu ali ndi chidwi ndi kuwombola chopereka kwa Bank ndalama kwa anthu, zikhoza kupanga kusankha mtima wa pempholo kuti "kusamalira". Ho osachepera kuchuluka mtsukowo ndalama US, monga yuro, wofanana chikwi.

ndi phindu zopereka c chiyani? Izi zingathandize kupeza Werengetserani. Kodi tiyerekeze kuti munthu waika 100,000 rubles. Aliyense masiku 30 amapanga zina 15 000. Ndipo pafupifupi limatenga 5000 rubles pamwezi. Patapita chaka chimodzi, okwana madipoziti anakwana 226 883 p. A phindu ukonde adzakhala wofanana 6883 p. Mwa njira, pansi pa zikhalidwe izi, mlingo ndi wofanana 4,32% pa annum.

kupereka chikhalidwe

Tariff "Moyo" tcheru komanso tisaiwale, akulankhula za zopereka za anthu. Ndalama Bank amapereka kutsegula mlingo gawo la Co 6,08% pa annum ndipo nthawi yomweyo kuthandiza ana akuvutika hematological ndi matenda oncological.

chopereka anapangidwa kwa chaka chimodzi, sikutheka kuwonjezera kapena kutapa ndalama. The osachepera kuchuluka kumayambira 10 000 pakani. Ichi ndi mwayi wapadera, kuyambira mwezi uliwonse H gulu anasamutsidwa ndi chikondi wotchedwa "Ndalama Moyo" 0,3% phindu ake ku gawo lapansi.

C osachepera kuchuluka kwa phindu kwa chaka adzakhala zopanda rubles okha 608. Ho ngati waponya zochuluka, mwachitsanzo 1 000 000 pakani., Kudzakhala adzapeze 60 840 p.

kupanga Intaneti

B Masiku ano, anthu ali ndi chidwi kwambiri maganizo chifukwa kutsegula kwa madipoziti, amene angagwiritsidwe ntchito popanda kuchezera nthambi. Kumene, pali mphatso ya Bank ndalama kwa anthu. Reviews athe kuonetsetsa kuti omasuka kwambiri.

Ha panopa chomveka kupereka "mlingo watsopano" ndi mlingo pazipita 7.2%. Ho zidzakhala kwambiri, ngati anthu aganyali pakati $ 1 000 000. Pakuti miyala ya 10 mpaka 500 zikwi rubles mlingo zilipo za 6,6%. Ho, palinso njira lachitatu. Pakuti madipoziti kuchokera 500 000 kwa 1 000 000 akufuna mlingo wa 6,9%.

Tsopano chotchuka kwambiri zoperekazo kwa anthu. Ndalama, Komabe, anachenjeza kuti pempholo nthaŵi yaitali. Mpaka tsiku lomaliza la March 2017, kuphatikiza, ngati chipindacho.

asadziphe

Tikumbukenso tcheru pamene pulogalamu wokamba wotchedwa "Akaunti ndalama". Izi yachilendo madipoziti ndalama. Mu Bank ndalama kwa anthu amene ankafuna kutsegula gawo mumauro kapena madola, pamaso panali maganizo osiyana. Ho pa mphindi sali. Koma nkhani ndalama akhoza anatsegula osati rubles, komanso mumauro ndi madola. Ndiponso, kwa nthawi yosatha. A zambiri aliyense wa recharge nthawi yake kutapa ndalama. Ndipo Uwerenge ndalama, ndi njira, mulibe malamulo.

Mlingo kwa madipoziti mumauro ndi madola chimachititsa 0.01% pa annum. Makasitomala ruble, izo zimasiyanasiyana 1.5 kuti 2.3% malinga kuchuluka. Mlingo osachepera imagwira ntchito madipoziti 30 000 p. Max - chifukwa Uwerenge 2 000 000 p.

pempholo Wina chidwi mukhoza kutengedwa ngati zikalata ndalama kuchokera Sberbank. Awa masheya amene anafuna kuchulukitsa ndalama. Iwo ali otchuka chifukwa ndalama pazipita kungakhale kwa 8,45%. The osachepera kuchuluka mu nkhani iyi ndi 10 000. Kalata akhoza zimasiyana masiku 91 kuti 1095.

ubwino kwambiri anthu amene kugula satifiketi kwa kuchuluka kwa miliyoni 100 rubles kwakanthawi choposa masiku 180. The phindu okwana ndi kokwanira. Mwa kusunga yofanana kwa nthawi pazipita, chifukwa, inu mukhoza kupeza ndalama 24.595.457 rubles. A ngati munthuyo akufuna kugula satifiketi 100 000 p. Ndiye phindu lake lidzakhala 6350 p.

Chabwino, monga momwe mukuonera, Sberbank ndi wokonzeka kupereka ogula zambiri zosankha zabwino zimene zingakuthandizeni kuonjezera likulu lawo. Iwo basi ayenera kusankha mokomera aliyense wa iwo, iwo ali wokonzeka kupanga kusankha.