Kodi mungapange bwanji khadi la Bank Savings? Njira yopanga mapu ndi mitundu

Simudziwa kupanga pepala la Sberbank, koma mwakhala mukulakalaka kukhala wothandizila wa banki yoyendetsa dziko lanu? Palibe chophweka kuposa kungobwera ku ofesi, kutenga nawo mapepala osachepera. Kodi ndikofunikira kukhala ndi nthawi, koma osapitirira theka la ora.

Khadi la Sberbank limapereka makasitomala atsopano komanso atsopano

Banki imapereka zinthu zambiri zamakhadi kwa makasitomala, omwe ali mu msika wazinthu zamalonda: debit, ngongole, chikhalidwe, mphatso, zamagetsi ndi pafupifupi. Amakhasimende amafunika kudziwa momwe angapangire khadi la Sberbank.

Choncho, kupanga mapangidwe aliwonse a banki, amene angakhale kasitomala ayenera kukhala osachepera zaka 14 (pamakhadi ambiri - zaka 18). Mosakayika, banki ikhoza kupereka chogulitsacho kwa nzika ya Russia yomwe imalembedwa kosalekeza m'derali.

Kodi mungapange bwanji khadi la ngongole ku Sberbank?

Makhadi a ngongole anaonekera pa msika wa misonkhano ya banki zaka zoposa 10 zapitazo. Poyamba, makadi a ngongole anatulutsidwa makamaka pokhudzana ndi malipiro. Malingana ndi chiwerengero, oposa theka la makasitomala anakana kuwalembetsa, chifukwa mankhwalawa sanapangitse kukhulupirira. Pang'onopang'ono, makasitomala anafufuza ubwino wonse wogwiritsa ntchito ngongole kuchokera ku Sberbank. Kwa zaka zambiri, makasitomala omwe samalandira malipiro kupyolera ku banki akhoza kupanga khadi kuti alandire ngongole (ngongole). Kuwerengera makadi a makasitomala a makalasi osiyanasiyana akuperekedwa: zapamwamba, panthawi ndi golidi. Timazindikira kuti banki ikupereka zofunikira zodzipangira khadi la ngongole yachizolowezi:

- zaka zochepa za wogula ndi 21 (banki sangathe kupereka khadi la ngongole kwa munthu amene ali ndi zaka zoposa 65);

- Wothandizira ayenera kukhala ndi ntchito yovomerezeka kwa miyezi isanu ndi umodzi yapitayi.

Khadi imatulutsidwa nthawi yomweyo. Malire otheka pa iwo sangathe kupitirira mabiliketi 120,000. Ndikhulupirire, iyi ndi njira yabwino kwambiri.

Kuyika khadi la ngongole kapena golide, wolemba kasitomala ayenera kupereka zilembo zowonjezera zomwe zimatsimikizira kuti ndi ndani ndi ntchito:

- pasipoti yopita kunja kapena tikiti ya usilikali;

- buku la ntchito, lovomerezeka malinga ndi ndondomeko yokhazikitsidwa ndilamulo;

- kalata ya malipiro yomwe ikuwonetsa ndondomeko yeniyeni yokhudza malonda.

Wothandizira adzalandira khadi la dongosolo lapamwamba la kulipira m'mayiko awiri mkati mwa masabata awiri. N'zotheka kukhazikitsa malipiro a ngongole a ruble zikwi mazana 600, ndipo chiwongoladzanja chake sichidzadutsa 25.9% pachaka.

Makhadi a Debit a Savings Bank

Makhadi ambiri a banki a debit ndi ochuluka kusiyana ndi ngongole. Zinthu zambiri zimakhudza izi. Choyamba, iwo amapangidwa kwa makasitomala a zaka 14. Achinyamata ambiri alibe mwayi wopeza ngongole, koma ali ndi mwayi wabwino kwambiri wopulumutsa ndalama zawo pa khadi lapadala labanki.

Kodi mungapange bwanji khadi la debit la Sberbank? Kungotenga pasipoti yanu, bwere ku nthambi ya banki, kambiranani ndi katswiri wapadera. Wothandizirayo afunseni ofuna chithandizo kuti alembe zikalatazo ndikupereka mgwirizano pa nkhani ya khadi.

Wogwira ntchitoyo adzakuuzani momwe mungapangire khadi la Savings Bank (debit, credit). Chinthu chochititsa chidwi komanso chofala kwambiri ndi kadhi yamakina a debit. Zoona, achinyamata a m'dziko lathu sangathe kukopera khadi iyi, koma ... Khadi likuvomerezedwa ndi ATM zonse ku Russia ndi kunja. Ikugwira ntchito kwa zaka zitatu. Zochitika zikuwonetsa kuti omwe amagwiritsa ntchito mankhwalawa ndi "makasitomala" ogula a banki. Ogwira khadi ali ndi maudindo omwe ayenera kugwiritsidwa ntchito:

- kutulutsidwa kwa ndalama mu ATM kuzungulira dziko lapansi kulipira chimodzimodzi;

- machitidwe akuluakulu a kulipira amapereka zowonjezera makhadi othandizira;

- kuthekera kopereka makhadi oonjezera (achibale adzatha kuchoka ndikuyika ndalama ku akaunti yanu ndi chidziwitso chanu).

Kulandira malipiro kudzera mu Bank Savings

Misonkho kupyolera mu banki ikhoza kulandiridwa ndi makasitomala omwe amagwira ntchito pazinkampani zomwe zakhala zikugwirizana ndi Sberbank. Icho chiridi pulojekiti ya malipiro. Kodi mungapange bwanji khadi la saladi la Sberbank? Tiyerekeze kuti wogula ntchitoyo akupeza ntchito. Kulembetsa mu dipatimenti ya antchito kwatsirizidwa, tsopano ndi funso la ndondomeko ya kuwerengera ndi kulipira malipiro. Werenganinso akhoza kupereka njira zingapo kwa mabungwe a mabanki kuti alandire malipiro. Wogwira ntchitoyo ayenera kusankha yekha banki yabwino kwambiri. Kodi ndi njira zotani zosankhidwa?

- munthuyo wagwirizana kale ndi banki;

- Malingana ndi mayankho a mabwenzi.

Tiyerekeze kuti kasitomalayu wasankha Sberbank. Kulembetsa kalata ya malipiro n'kofunikira kuyika ku banki ya nthambi, yomwe ikugwiritsidwa ntchito ndi makampani, ndi mapepala oyenera. Khadi ikukonzedwa mu pulogalamuyi ndipo imaperekedwa kwa kasitomala pafupifupi masabata awiri kenako. Ziwerengero zimasonyeza kuti kawirikawiri, ogulitsa-makasitomala amapanga khadi la debit classic.

Makhadi abwino a Bank Savings

Mawerengero kudzera pa intaneti masiku ano ndi ofanana kwambiri. Ngakhale pafupi zaka khumi ndi ziwiri zapitazo ochepa angaganizire kuthekera kwa zinthu zoterezi. Kodi muyenera kuchita chiyani pa intaneti? Palibe chopadera. Tikhoza kukuuzani momwe mungapangire khadi lenileni la Sberbank. Wogulira weniweni yekha wa banki yemwe amagwiritsira ntchito kale mankhwala ake akhoza kutulutsa khadi lotero. Chinthu chachilendo cha mankhwalawa ndikuti sikungatheke kugwira mapu mwakuthupi, chifukwa amatchedwa kuti ndithudi. Kodi mungapange bwanji khadi la Bank Savings? Mukhoza kutchula nambala yowonjezera ya banki. Wogwiritsa ntchitoyo amauza wofuna chithandizo pamtundu wapatali wa nambala ya khadi kuchokera pa chiwerengero cha 16 ndi zizindikiro ziwiri. Inde, mungathe kulankhulana ndi nthambi ya banki, komwe mumakhala okondwa kuthandiza makasitomala nthawi zonse.

Kutsiliza

Pafupifupi anthu onse a msinkhu wogwira ntchito, komanso ochuluka omwe amapuma pantchito, tsopano amagwiritsira ntchito makadi a banki apulasitiki . Sberbank imapereka njira zambiri zogwiritsira ntchito makhadi omwe ayenera kugwiritsidwa ntchito - ndi ngongole, debit komanso makadi omwe ali nawo.