Khadi Social pensioner. Sberbank khadi anapuma

Yabwino chiwembu cha kulandira kungolandira ndalama kuchokera Fund penshioni amauza Russian pensioners onse Sberbank, kuwamasula wapadera khadi pulasitiki "Maestro". ntchito iliyonse pa izo mfulu kwathunthu, kuphatikizapo yosindikiza utuluke ndalama pa nkhaniyi. Ngakhale omasuka onse a ntchito, khadi chikhalidwe pensioner si aliyense sanasangalale nazo.

Passbook kapena pulasitiki khadi

Ntchito ngongole Sikuti pamene posamutsa penshioni chifukwa cha Bank ndi ndalama - koma akuluakulu ambiri amakonda makumi a mlandu ndalama kutsimikiziridwa. Unikani ubwino khadi kutsogolo kwa woyang'anira manambala pepala wokondedwa mulole kutali aliyense okalamba. Kuyamba chinthu chatsopano, ngakhale kuphunzira ochepa zipangizo losavuta ndi yabwino, ambiri amaona zosafunika - pa foni yokwanira. Choncho, Sberbank khadi anthu okalamba pamene alibe otchuka pakati pa m'badwo achikulire.

Koma amene angayerekeze kuti mu thumba lanu kapena kachikwama mmalo mwa ngongole mwachizolowezi wotsogola "pulasitiki," pakuti khadi ayenera kudzazidwa mfundo ziwiri zokha, onse mu Bank ndalama ofesi: choyamba - pa nkhani ya khadi, ndipo chachiwiri - ku thumba la ndalama za penshoni pa kusintha kwa nkhani munthu banki chimene izo zidzakhala zofunikira kuti atchule malipiro onse chofunika. The chachiwiri banki mawu chiziperekedwa kwa FIU paokha. Koma tiyenera kukumbukira pano kuti nthawi ya chilango cha khadi chikhalidwe angakhale osiyana ku analengeza Sberbank. M'malo mwa masiku 7 a khadi, nthawi zambiri kugwa m'manja a pensioner pambuyo masabata 2-3. Podgadat ayenera nthawi kulanda lotsatira ndalama.

N'zovuta, koma yabwino

Only adzionera mayiko onse pogwiritsa ntchito khadi, mungathe kusintha kwa passbook kapena kulandira ndalama za penshoni, pa positi ofesi. Kuwonjezera chakuti "pulasitiki" amapulumutsa owerenga ake kukhala kuwononga nthawi ndi khama mu mizere yaitali mu imene pensioners ndi kuima zolimba ndi kutopa, iye ali zambiri ubwino wake. Musaphwanye tinyamule masitolo, pharmacies, "moyo" chipatala banknotes kuti aliyense wa ife akhoza kulalikira kutaya. Sberbank khadi pensioners wapatsidwa ntchito mofanana anamasulidwa ku gulu onse a owerenga: n'zotheka kulipira malo ogulitsira ritelo anasankha mtundu Maestro, kunyamula zofunikira, amatenga ndalama kwa nkhani za achibale ndi mabwenzi monga mphatso kapena ngongole. Ndipo ichi muyenera kuphunzira ochepa ntchito yosavuta pa ATM, amakhala pafupifupi munthu okalamba.

Odalirika kuteteza ndalama zawo

A okwanira ngongole mu thumba lanu - mosakayikira zokondweretsa chochitika, koma pa nthawi yomweyo mantha. More kapena zochepa kukhala mbava mabasi ndi magalimoto - zilibe kanthu, limodzi ndi zokwanira. Kungowerenga chotero trickster, mukhoza mmalo mwa chisangalalo kumverera mu manja a paketi ndalama kugundidwa ndi mofulumira yadzidzidzi. Pa mapu si choncho chiyembekezo: kutetezedwa munthu Pin-code, si kwa munthu aliyense mu dzanja - osokoneza izo mu maora pang'ono zitha anakumana owononga, koma pakali pano iye ndi nthawi kuchita izi, mwayi mapu, inu nthawi zonse kutchinga ndi kupita ku malo Sberbank ofesi kapena powatchula pakati utumiki. Kwa amene alibe mfundo zokwanira - kufuula foni pa nambala ya mizere mwadzidzidzi mfulu kwathunthu kudutsa Russia ndi athandizi foni iliyonse. Anadabwa kuti ndi komwe kupeza khadi chikhalidwe, pensioners palibe - zonse mwa wina wa nthambi ya Bank ndalama.

Usana ndi usiku ndipo popanda kusiya kwanu

Intaneti, ngakhale ndithu anakumana, koma akhale nawo pa luso osachepera zofunika mosavuta kuphunzira njira ina yabwino kwambiri - kulipira pa dongosolo zakutali. Website Sberbank mafoni ndithu, ndi chomasuka ntchito kwambiri kuposa ofanana Intaneti machitidwe a mabanki ena. Mwina pali ena ziwerengero mmene inakwaniritsidwa kulipira kudzera Internet Muscovite khadi chikhalidwe, pensioner, koma kudziwa si koyenera kuganiza kuti ntchito pafupipafupi makadi pulasitiki ndi zina kwa anthu okhala m'mizinda ikuluikulu. Kumene, sangathe kukana zina zapadera kulankhulana ndi "pulasitiki" kuchokera anapuma ndi hinterland kumidzi - izo zonse uko, koma ndi kuzindikira bwino za ubwino makadi ndi m'madera mzinda komwe zokha ndi mwamphamvu muzochitika zones za moyo zaka zingapo zapitazo. Kumene, pa nthawi imeneyi ambiri anapuma panopa adakhoza kuphunzira ndi makompyuta ndi Intaneti. khadi Social pensioner Moscow dera amakonda patsogolo nkomwe kufooka kapena kudabwa ndi ntchito zawo. Ndi ngakhale zotheka kuti yekha nazo.

Ubwino wa ngongole popanda kukaika

Ndi mbali iti kapena mbali imene kuyang'ana ntchito khadi iliyonse - iwo ali otsika mtengo kuposa ndalama kapena passbook. Ngati wina ku anthu okalamba akhoza awawopsyeze chakuti kulanda ndi kusunga ndalama m'buku anali amatha kupeza kuchokera chiwongola dzanja banki, amene akadataya ndi kupeza mapu, apa zonse zichitike molondola - malo a milandu chifukwa amapangidwa ndi malo a khadi 3.5% pa ndalama annum accrued kuyenda bwino kuchuluka kusungidwa pa izo. Komanso, ogulitsira ritelo: masitolo, pharmacies amene ali mbali ya mwapadera analemba ndi kuikidwa pa intaneti a Sberbank mndandanda, kupereka makasitomala awo, amene kulipira makadi, zabwino kuchotsera. Pakuti pensioners, iwo chifukwa cha 2-15% wa mtengo kugula.

Ubwino wina ofunika n'chakuti chikhalidwe khadi pensioner amasonyeza ntchito zovala. Aliyense m'dera, kuphatikizapo okhala kumadera akumidzi, palinso maofesi a Bank ndalama ndi ATMs anaika, kupeza lofunyululalo maola 24.

Khadi, ndipo palibe

Kupanga khadi chikhalidwe, gombe lililonse wopuma pantchito alangizi kuvala zindikirani kuti iwo akhoza kulandira kuphatikiza ndi makadi ochepa kuti anthu ena. Zimakhala adzukulu, ana, ngakhalenso anansi kuti zofuna za pensioner ndi kulipira wake ngongole zofunikira, kutapa ndalama ndi kusunga ndalama zina pa izo. Mwachidule, n'zotheka kuti anthu amene mukhoza bwinobwino akamupatsa ndalama zawo. Anthu ena achikulire pamaziko a chikhalidwe chawo thupi n'zovuta kugula paokha, ena mwa iwo penshioni sangathe nthawi zonse. Ndimo iwo mbamphedza Sberbank. Social khadi la pensioner ndipo zimatithandiza ubale ndi ndalama, ndi kusamalira achibale. Nthawi zambiri, makadi zina ndi tiri adzukulu thandizo la ndalama - iwo anamasulira mbali zina za penshioni ya. Kuti makadi zina lankhulani nthambi banki, lomwe ndi kayendedwe ka ndalama chifukwa, kumene ntchito zogwirizana. Ndalama kuti adzakhala kunditumiza ku anthu ena mosamalitsa mapulani kuti kudalirika wamkulu. Komanso ayenera zimaonekera mawu.

Ndalama lolamulidwa

anapuma ochenjera, ngakhale kudalira achibale awo kawirikawiri ndikufuna panokha kulamulira ndalama zawo: pangozi iwo anabwera kapena buku. Kulengezedwa makadi nawo pa pensioners Inatenga ndi zidziwitso za kuvomerezedwa ngati womangidwa kwa izo banki m'manja, ndiye wotuluka onse kuti zizichitidwa pa mapu, kuti nambala ya foni yam'manja zimene ziyenera mmene mawu, adzalandira lemba uthenga kusonyeza ndikupeleka kuchuluka. Telefoni Pankhaniyi akutumikira monga zina azingochita chipangizo, kumene deta akhoza kufufuzidwa pa nthawi iliyonse. Mobile banki - ndi utumiki analipira, koma yabwino kwambiri, ndipo gulu n'laling'ono mwamtheradi: 30 okha rubles pamwezi. Mwa njira, foni akhoza zogwirizana ndi ntchito pa kayendedwe ka makadi ndalama ndi zina, amene chikalata pa ntchito kwathunthu. Ndiye pensioner adzatha kuona mmene anakhala pantchito lonse.

Kulankhulana ndi makadi. maphunziro

Anthu ambiri amene anali ndi maganizo ena kuti luso, n'zovuta kuvomereza chinachake chimene chikanakhoza ukasintha asinthe wamba a m'moyo wawo, ngakhale ngati yokoma ndi zovuta kusintha miyoyo. Social khadi la pensioner Zimatanthauza enieni zaluso amenewa. Apa chinthu chachikulu - kuonetsetsa kuti zonse ndi otetezeka. Ndipo pambuyo pensioner kuthetsa kukayikira oyambirira ndi panokha kuzindikira mayiko kukhala khadi, mungathe kuphunzitsa ndi ntchito zake onse, mpaka kugula ndi ntchito pa malipiro intaneti. Udindo wa maphunziro komanso anatenga ndalama Bank, bungwe sukulu ya makalasi ano pensioner limene aliyense amapita chikhalidwe khadi chofukizira. Maphunziro amachitika nthambi ya gombe, ndipo ndi kumene angapezeke mu nthambi zake m'deralo ndipo munthu ndi foni. Komanso, kugwira ntchito zonse zofunikira pa makadi ithandiza Sberbank asilikali a alangizi, aliyense chipinda cha opareshoni pali zingapo, ndipo aliyense bungwe kasitomala akhoza, ngati n'koyenera kuti angawapeze kuti akuthandizeni.

Mu ndalama Bank of khadi

Kuti tipeze kumene ndi mmene kuti mapu chikhalidwe cha pensioner, kuti chidwi chapadera padzafunika - chabe pasipoti ndi satifiketi penshioni kulowa iliyonse kwa maudindo a Bank ndalama. Kumene, ndi bwino kusankha pafupi ndi malo okhala, monga nthawi kudzakhala kupita ndi kuwona. khadi Social ndi chikalata kokha okalamba amene kale kukopedwa pantchito motsatira malamulo ndiponso tingachitire umboni kuti Mabuku zogwirizana - chifukwa Sberbank wamba ndithu satifiketi pensioner.

Anamaliza ndi kusainidwa mu ofesi zikalata ziwiri zokha: ntchito Fomu khadi ndi ntchito ya kulanda penshioni pa okalamba ake potero azichita zinthu zonse ankafuna kwa ogulidwa "pulasitiki". China chirichonse, kuphatikizapo njira ya vuto ndi thumba penshioni - ntchito za antchito banki.

M'malo a lotha kapena imfa

khadi Social chomveka kwa zaka zitatu. Tsiku lotha ntchito zake, ngati n'koyenera, nthawi zonse adzaukitsidwa m'chikumbumtima - kumbali kutsogolo kwa "pulasitiki" izo kutchulidwa ndi zoti chaka ndi mwezi cha mapeto a nthawi. Nkofunika kukumbukira kuti khadi lilipobe mpaka otsiriza (Ponena) kalendala tsiku la mweziwo. Kenaka, ngati n'koyenera, zikhoza angandisindikizirenso. Kuti zochita zonse pa kukonzanso kulembetsa zolimbitsa molondola ndi nthawi, ndi bwino mu miyezi oyambirira atapita nthawi ya ntchito, kupita ku nthambi ya Bank ndalama, kumene pulasitiki ndi chikalata, ndi kudziwa pasadakhale mmene kuwonjezera khadi chikhalidwe pensioners. banki akhoza mosadalira kuyambitsa reissue basi makadi, koma ngati kasitomala sadzakhalanso mukufuna kugwiritsa ntchito izo, iye ayenera awadziwitse ogwira ntchito za bungwe ndalama zosachepera 60 kalendala masiku pamaso pa tsiku lomalizira ntchito khadi chomveka. Ngati kutaya "pulasitiki" ayenera kudziŵitsa banki posachedwapa.

Ngati alipo amakayikira

Kupatula ubwino onse amene kale otchulidwa, pamene inu ntchito khadi, mukhoza kusonkhanitsa mfundo banki yokha. Makadi "Maestro" wakuti "Social" zikuphatikizapo wapadera bonasi kampeni "Zikomo ku Bank ndi ndalama", chimene kugula chilichonse lolipiridwa ndi khadi, mfundo yake mphotho pa mlingo wa theka la gawo limodzi la mtengo kugula. Awa zambiri pambuyo kudziunjikira ndalama zokwanira okwanira, angagwiritsidwe ntchito pamene kugula katundu ankakonda mu imodzi mwa malo ogulitsira, kuti ndi bwenzi la ndalama. Ndipo, ndithudi, mapu anthu ambiri pensioner "Maestro" ndi yofunika kwambiri kwa maulendo yaitali Mwachitsanzo, oyendayenda. Pamudzi iliyonse ya dziko lathu, ndi pafupifupi mzinda waukulu kunja pali nthambi za Bank ndalama za Russia, ndi m'mizinda ina ndipo palibe kuli kotheka kuti mapu a ndalama likupezeka mu kuchuluka nkhani kulipira kugula ake, malawi ndi zina. Ndipo pa nthawi yomweyo - osadandaula za kutaya ndalama!

Iwo zimatithandiza ndipo umakula

Patsogolo zimapangitsa moyo wathu wabwino. Ndiponso kugwiritsa ntchito mu kukhalapo kwa zipangizo "wochenjera" kwambiri yabwino. Achinyamata a ku Russia kumvetsa ndi kuvomereza ichi kwa nthawi yaitali, onse a agogo awo. Adzionere okha momwe iwo amafunitsitsa chinthu chatsopano, muyenera kukaona ndalama Bank. khadi Social pensioner, mosiyana ndi okaikira, ambiri a owerenga ake sanakonde. Anthu Chichotseni pantchito yake, kulipira ngongole zofunikira, amatenga ndalama kwa ana ndi adzukulu. Kumene, pali nthawi zonse mlangizi, koma ntchito yosavuta, anthu ambiri okalamba amatha kuzindikira okha.

Ena anazindikira kuti ndi kubwera mu miyoyo yawo foni, Intaneti options ake yabwino, ngongole, iwo anamuchotsa kufunika kuima mu mzere pa tsiku la malipiro a penshoni, kaya mkhalidwe wawo kudwala, kapena pafupi ndi windo kuyembekezera postman lapansi. Kamodzi kudziyesa katundu wa mapu, ambiri mwa iye anaima.