Khadi lachikhalidwe la Bank Savings. Sberbank: khadi lachikhalidwe kwa anthu omwe amapita ku penshoni

Zaka zaposachedwapa, chiwerengero cha anthu ogulitsa masewera a Sberbank ku Russia chawonjezeka kwambiri, komanso akugwiritsa ntchito makadi a penshoni. Izi zinapindula chifukwa cha ntchito yomwe inakonzedweratu ku bungwe la zachuma kuti alembenso mabungwe osungirako ndalama komanso ogwirizanitsa ndi PF. Kuphatikiza pa chitonthozo cha makasitomala, kusintha koteroko kwachititsa kuwonjezeka kwa ndalama za banki. Pambuyo pa kuchepetsa mitsempha ku maofesi a ndalama, ndizotheka kuchepetsa ndalama zogwirira ntchito kwa antchito ena, ndipo ndalama zogwiritsa ntchito zolemba mabuku zosungira ndalama zikuchepa tsiku ndi tsiku.

Ndani angapeze khadi lachikhalidwe?

Malinga ndi pulogalamu ya penshoni ya Bank ya Savings, malingana ndi kagulu ka ndalama zotetezeka, imodzi mwa makadi otheka angathe kutsegulidwa: chikhalidwe kapena Maestro. Yoyamba imapatsidwa kwa anthu omwe alandira penshoni ya ukalamba, kutayika kwa wopatsa kapena wolumala. Ponena za zofunikira zokhudzana ndi kutulutsidwa kwachiwiri, zikhoza kupezedwa ndi nzika zapakati pa khumi ndi zisanu ndi zinayi (14), omwe ali ndi chilembetsero chosatha ku dera lolembetsa komanso ufulu wolandira chitetezo cha anthu.

Kodi muyenera kutsegula khadi?

Mwachibadwa, kuti tipeze kulandira mapepala apulasitiki, tifunika kutchula gulu la nzika zomwe zimalandira ndalama kuchokera ku boma. Mwa kuyankhula kwina, poyamba ndi kofunika kukhazikitsa penshoni kapena malipiro ena a boma mu PF ndipo kenaka ndikulembera ku nthambi yapafupi ya banki. Tiyenera kukumbukira kuti m'midzi ina ya Russian Federation, ogwira ntchito ku Pulezidenti ya Pension amapereka zikalata za makasitomala awo ku bungwe la zachuma, ndipo amalembetsa khadi lachinsinsi la Bank Savings. Komabe, sikuti aliyense ali ndi mwayi, choncho, omwe sali m'gulu la "opempha mwayi" adzayenera kugwira ntchito mwakhama.

Pambuyo pa kulembedwa kwa chitetezo cha penshoni, munthu ayenera kuitanitsa ku banki ndi kulemba mgwirizano wa mgwirizano. Komanso, pa masiku khumi ogwira ntchito, bungwe la zachuma liyenera kutulutsa khadi la munthu amene ali ndi kasitomala ndikulipereka. Koma izi ziyenera kukhala ndi lamulo lokha, koma kwenikweni, nthawiyi ili ndi masabata awiri mpaka 4. Ogwira ntchito ku banki akuyenera kudziwitsa wothandizirayo kudzera foni kuti angathe kutenga phwando, koma ena samadandaula ndi izi, kotero anthu ogwira ntchito pantchito amafunika kuitanitsa banki bwinobwino ndikufunsanso za khadi lawo.

Kuvomerezeka kwa khadi

Khadi la Banki Losungira "Maestro Social" limaperekedwa kwa wothandizira kwa zaka zitatu, monga zikuwonetseredwa ndi zomwe zili patsogolo pake. Ngati, miyezi iwiri isanafike tsiku lowonetsedwa, kasitomala sanadziwitse ndalama za kukana kugwirizana, mgwirizanowo watha. Chifukwa chake, banki idzachotsanso khadi latsopano, ndipo chakalecho chiyenera kuperekedwa. Kuti mugwiritse ntchito bwino ndalama, makasitomalawo ayenera kuyang'anitsitsa nthawi yoyenerera ndi kulankhulana ndi bungwe la zachuma pa nthawi yake.

Ubwino wa khadi lina

Kunena kuti okalamba ndi anthu okalamba, omwe moyo wawo ukufuna chitonthozo chowonjezeka, mwina sichiyenera kukhala. Aliyense amadziwa za izi, ndipo ogwira ntchito ku bankiwo ndi osiyana. Ndicho chifukwa chake omwe ali kale ndi khadi lachinsinsi la Sberbank, apatseni kuti mupeze zina. Ikhoza kugwiritsidwa ntchito ndi mamembala a banja la pensioners kapena matrasti kuti agulitse ndi kulipira ntchito. Wopereka chithandizo akudziwitse kampani ya ndalama za chisankho cholandira khadi linalake ndi kulemba zofananazo monga chitsimikizo cholembedwa. M'ndandanda iyi, kasitomala sayenera kufotokozera zokhazokha, komanso deta ya mwiniwake wam'mbuyo.

Ndani angakhale mwini wa khadi lina

Potsata ndondomeko yabungwe la banki, ngakhale mwana wa zaka khumi angathe kuikidwa kukhala mwini wa khadi linalake ngati ali wachibale kapena wapadi wa penshoni. Ngati ang'onoang'ono kasitomala ali ndi oimira (abambo) oyang'anira ntchito yogulitsa banki, chilolezo chawo chidzafunidwa. Komabe, atafika kwa munthu wazaka 14, palibe umboni woterewu.

Pofuna kulamulira ndalama, ndiye kuti ali ndi makadi akuluakulu a Sberbank, pulogalamuyi ili ndi zikhalidwe zina. Kotero, pa pempho la penshoni, mungathe kukhazikitsa malire pamwezi uliwonse. Kuti muchite izi, mufunikira kulankhulana ndi ofesi ya banki ndi kulemba ndemanga ndi ndalama zenizeni. Chotsatira chake, mwini wa khadi lina adzatha kugwiritsa ntchito ndalama zenizeni, mosasamala kanthu kuti akulandira ndalama kapena ndalama zothetsera malonda kudzera ku malire.

Zowononga za makadi komanso anthu ena a Sberbank

Musanayambe kuganizira zolakwa zomwe khadi la banki la Sberbank liri nayo, mbali zina zingapo ziyenera kufufuzidwa. Mwachitsanzo, aliyense amadziwa kuti ambiri omwe amapereka ndalama zapenshoni amakonda kugwiritsa ntchito ndalama ndipo samakhulupirira kwambiri mabungwe azachuma. Anthu a msinkhu uwu adakali ovuta kusintha malingana ndi zowerengera zamakono, osati chifukwa cha ziwonetsero zokha, koma chifukwa chakuti amaopa kunyengedwa, komanso samvetsa mfundo za dongosolo. Choncho, kusowa kwa CVV2 / CVC2-code, yomwe imagwiritsidwa ntchito pozindikira khadi pamene ikugula katundu pa intaneti, ambiri samazindikira ngakhale.

Ponena za ntchito ya khadi, m'madera a Russian Federation imayendetsedwa mu ATM zonse, ndalama zogula ndi nthambi za Savings Bank ya Russia. Atapita ku mayiko ena, makasitomala angalandire ndalama pa mabanki ang'onoang'ono ndi ATM zawo, mabungwe ena a zachuma alibe chilolezo chochita ntchito zoterezi.

Chinthu china chimene khadi lililonse lachikhalidwe la Sberbank liri nalo n'chakuti silingagwiritsidwe ntchito polemba ngongole zina. Ndiyeneranso kukumbukira kuti ntchito pa khadi la khadi lapenshoni ikhoza kuchitidwa pokhapokha ndalama za dziko, koma izi sizovuta kwa ambiri omwe amapuma pantchito zamakono.

Zowonjezera ndalama kwa makasitomala

Mungapeze ndalama zowonjezera kuchokera kwa ophunzira pa pulogalamu ya penshoni ya banki, chifukwa ichi musamalipire ndalama zopezeka. Ndipo zitatha kumapeto kwa kotala, aliyense amene ali ndi khadi labwino la Bank Savings, chidwi chake chidzatengedwa ku akauntiyo. M'chaka chino, 2014, aliyense wogula pulojekitiyi amalandira ndalama za 3.5% pa chaka pa ndalama. Kwa ena, mlingo umenewu ukhoza kuwoneka wochepa kwambiri, koma mabanki amachititsa kuti ndalama zowonjezera ziwonjezereke, komanso zimapatsa mwayi anthu ogwira ntchito pantchito kuti apindule nawo.

Malipiro a ntchito

Aliyense amadziwa kuti kusintha kuchokera ku mabuku osungira makhadi ku khadi sikumangotonthoza chabe nzika, komanso kuwonjezera phindu la banki yokha. Pambuyo pake, anthu ankakonda kuima pamphepete, koma adalandira penshoni mokwanira. Lero munthu yemwe ali ndi khadi lachinsinsi la Bank Savings amalipira osati kokha pazinthu zina zowonjezera, komanso ndalama zobisika.

Khadi silinaperekedwe kwa khadi lalikulu pansi pa pulogalamu ya penshoni ya banki, koma ndalama zina zowonjezera 150 zidzaperekedwa kwa zina zowonjezera pachaka. Malipiro a msonkho sakuchotsedwa panthawi yobwezeretsa akauntiyo ndi kuchotsedwa kwa ndalama. Ngakhale pali zabwino pano, mauthenga oterewa sangasinthe ngati kasitomala akuponya makapu 50,000, nthawi zina komitiyi idzakhala 0.5% ya ndalama zoposa.

Ndalama ina yowonjezera pulogalamu yachitukuko ya Bank Savings ikubwezeretsanso khadi kapena kusintha kwa deta yake ya kasitomala. Inde, sitinena za kukonzekera kubwezeredwa kwa mankhwalawa mutatha nthawi yomwe ntchitoyo ikugwiritsidwira ntchito, imangoganizira zochitika zomwe zachitika chifukwa cha zolakwa za mwiniwakeyo. Khadi lokhazikika la anthu kapena kusintha kwa maziko kumatenga ndalama zamapirisi 30 za penshoni, zikuwoneka, pang'ono. Komabe, chifukwa cha ukalamba, makasitomala ambiri amatha kuiwala khadi pokhapokha mu ATM kapena musakumbukire nambala ya PIN, ndiye ndalama zabwino zidzasonkhanitsa chaka.

Ubwino kwa eni ake a khadi

Pofuna kukopa makasitomala ambiri, nthambi iliyonse ya Sberbank imatsiriza mgwirizano wogwirizana ndi malo ogulitsira malonda osiyanasiyana, zomwe zimapereka ndalama zotsalira pa katundu. Monga lamulo, khadi lachikhalidwe la Sberbank ku Russia limalola mwiniwake kugula zinthu zofunika ndi 1-12% yotchipa. Mukhoza kudziŵa mndandanda wa masitolo ndi ma pharmacies oterewa pa webusaiti ya malo a zachuma kapena mu nthambi iliyonse ya m'banki.

Chisamaliro chachikulu chiyenera kulipidwa kwa mfundo yakuti onse omwe ali nawo pulogalamu yachitukuko akhoza kulumikiza dongosolo lokonzekera akaunti yanu "Sberbank Online" kapena "Mobile Sberbank". Khadi lachikhalidwe kwa anthu omwe amapita ku penshoni omwe angagwiritse ntchito intaneti, amakhala wothandizira kwambiri pamoyo. Ndiponsotu, malipiro okha a zogwiritsidwa ntchito amapewa kutopetsa mapepala osokoneza bongo ndi kulephera.