Ndalama satifiketi Sberbank: chidwi. zikalata wonyamula Sberbank

Limodzi mwa madera kuli kotheka kuti aganyali ndalama zochuluka - satifiketi ndalama. Ichi ndi chitetezo zikalata udindo wa banki kulipira kuchuluka kwa munthu thupi. Kukongoletsa mu bungwe lililonse ngongole. Russian Sberbank ndalama zikalata, chidwi pa zomwe ndi apamwamba kuposa ena chopereka gulu, ali mu ankafuna ku msika. Monga pa 17.11.2014, mu makope 26 chikwi. Ndipamene ndi chuma okwana rubles biliyoni 14.5. Ichi ndi zifukwa zingapo: chitetezo cha kufunika wapangidwa msanga, akhoza zimafalitsidwa kwa ena ndi kudzatenga malipiro patsogolo ndandanda. Kuchokera m'nkhaniyi mudzaphunzira zambiri mavuto satifiketi ali unayendera apilo ya ndalama Bank (chidwi, zomwe analonjeza kupereka wogwira m'banja, nthawi ndi kuchuluka kwa madipoziti adzakhala angaonere).

Msungidwe

Anthu amene ali ndi ndalama yopuma, panthawi ina ndikudabwa za kumene kuti aganyali nazo. Pakuika magawo amafuna kudziwa zenizeni. zitsulo zamtengo wapatali musati kupanga ndalama lokhazikika. Kuchepetsa chiopsezo, n'zotheka aganyali zida ndalama bungwe lalikulu anthu, limene liri Bank ndalama:

• zikalata, chidwi amene amalipidwa pa mlingo pazipita (10%);
• madipoziti amene inshuwaransi chopereka mtundu, koma kubweretsa phindu kuli.

satifiketi Features

Security wa kufunika alipo okha rubles Russian kwa miyezi 3 36. Kuwakomera sachiza, inu muyenera kuti apereke kalata ina Sberbank. Chidwi kuchita masamu pa osachepera kuchuluka kwa 10 zikwi. Opaka. pa mtengo lokhazikika. Chiwerengero cha sheya, mawu a zolowa awo ndi mtengo mwadzina la Investor akhoza kudziwa mlingo mkati osiyanasiyana mwasankha. Mayiwo ali ndi ufulu pa nthawi iliyonse kugonjera chiwombolo cha Kalata ndalama Bank. Chidwi Pankhaniyi adzatembenukanso pa mlingo wa "pa kufunika".

Iwo akhoza kugulitsidwa, kusiya yofunika, mphatso, ntchito ngati ina kapena kuwerengetsera. Ngati inu kuyesetsa panopa kuti achire ndi ndalama zambiri ndipo nthawi kuthamanga kwa gombe kumeneko, mungapereke basi kalata ku gulu lina m'malo mwa ndalama. Chofunika, nthawi wake unali woyenerera ali likupitirirabe. Izi ndi mwayi wa mtundu uwu wa CB. Kasitomala angasankhe, kodi kuchuluka ayenera kutsegula gawo "zikalata ndalama". Sberbank la Russia, zina, kuti akakumane ndi mitundu nkhani owonjezera agwirizana. CBA Ichi ndi chida chodalirika cha kasungidwe zipangizo monga ali madigiri angapo chitetezo. Ndi ofunika kugula anthu omwe akufuna kusamutsa zinkafuna, koma sindikufuna pa opaleshoni zinadziwika msonkho. N'chifukwa chake Ministry of Finance akumufunsira kuchotsa ichi chida ndalama msika.

kugula

kokha pasipoti chofunika kwa processing ndikupeleka. Mu chitetezo ayenera kudzazidwa m'minda yonse. Chosowa zowerenga chimodzi mwa mfundo zimapangitsa chikalata yosagwira:

• dzina "la ndalama Bank Gawo Certificate";
• chidwi chopereka ntchito;
• opereka chifukwa;
• tsiku kulembetsa;
• gawo kukula (manambala ndi mawu);
• chopanda malire kudzipereka banki kuti ndibweze ndalamazo;
• tsiku kufunika;
• adiresi Issuer ndi;
• anasaina awiri akatswiri mabungwe ngongole, stapled yosindikiza.

Russian Sberbank zikalata, chidwi, zinthu utumiki

Pa 24/12/2014, amalipiritsa yaperekedwa pa sheya awa:

Nawa mawu amene mugule ndalama Bank of Russia ndalama Zikalata. Chidwi linaperekedwa pa kukhwima. Iwo ananena mawonekedwe chiwerengero cha zakonzedwa kuposa pa madipoziti. Ndithu. Certificate kuchuluka kwa 100 zikwi. Opaka. Amene adzathetsedwa kukhwima mu masiku 367, adzabweretsa ndalama za 12,25% kuchuluka gawo, mwachitsanzo. E. 12 557.53 rubles. Gawo "Save" m'mikhalidwe yemweyo anapereka kwa mlingo chidwi ndi 8,25%. Kuti ndi phindu 8 647.12 rubles. Iwo ayenera kukumbukira kuti zokolola pa masheya a chipembedzo mu 10-50 ths. Opaka. pafupifupi ziro. Choncho ndi yopindulitsa kwambiri kugula chitetezo wina ndi ndalama zambiri.

Ngati asanakalambe kuwomboledwa ndalama satifiketi Sberbank, chidwi ilipiridwa 0.01% mlingo pachaka. Bank chapakati mwina nthawi iliyonse kuti akalandire ndi gulu lina. Vutolo mu mabukhu safunika. Koma opaleshoni n'chotheka mu nthawi ya gawo lapansi.

asadziphe

Kuwonjezera Sberbank, satifiketi Russia akhoza kugulidwa ku mabungwe ena. Koma mitengo ndi kupezeka kwa chithandizo zingasiyane ndi dera. "TCB" amakonzekera mankhwala kuyitanitsa, mitundu naye ku Moscow masiku 2-3. Ngati kasitomala ndi anayembekeza, sakhoza aganyali kuchuluka kwa 10 zikwi. Opaka. kwa miyezi 3 zaka 2 pansi 9-11,5% pa annum. Mu mabungwe ena, zikalata za amatchedwa VIP-mzere, ndi "pakhomo" pa iwo ndi mkulu. Motero, "IBA-Moscow" gawo kuchuluka akuyamba ku rubles miliyoni 0.5, ndi mu "Bank of Moscow" - miliyoni 3.5 rubles. Kukhazikitsidwa kwa nthambi likulu akhoza padera ndi 200 zikwi. Opaka.

mitundu

Palinso zikalata munthu. Iwo ali zokhudza mwini. Kulanda Bank ku Central mwa ntchito - cession. mawonekedwe cholinga kulalikira wapadera kumbuyo. Ngati satifiketi ndi anasamutsidwa kambirimbiri, ndipo limodzi la "Mbali" akugwa, chikalata amakhala yosagwira ntchito.

ubwino

Iwo ali ndithu kwambiri:

• mkulu zokolola;
• osachepera phukusi la zolemba kuti kalembera;
• Sayenda: mankhwala akhoza ndatapa kapena ndalama pa nthawi iliyonse;
• kulanda ufulu ikuchitika ndi yobereka chabe mawonekedwe ndi gulu lina;
• Mukhoza kuperekedwa kwa malipiro mumzinda uliwonse Akuluakulu a ku Russia;
• kwa malipiro lankhulani ndi a dipatimenti ndi pasipoti ndi kalata yothetsera;
• mukhoza kupezanso mwa mabwalo mu chochitika cha imfa banki ya ufulu kwa ndalama.

kuipa

The kuipa chachikulu cha "ndalama satifiketi" Mafotokozedwe a Bank ndalama:

• Chidwi ndi chiopsezo kwambiri mkulu. Bank izi chapakati Kodi nawo dongosolo gawo inshuwalansi. chiwerengero zimenenso banki adzalipira okayikitsa, abwerera kwa kasitomala. Choncho, nkhani ya bankirapuse wa issuer kapena revocation anthu chiphatso sadzatha kupeza ndalama anapeza kuchokera sheya amenewa;
• vuto la imfa ya Bank ku Central si mwadzina lachitatu munthu akhoza kubweretsa kwa malipiro kwa Bank ndi ndalama;
• zikalata (chiwerengero mopitirira ndi chilinganizo yosavuta) Musapereke capitalization;
• Paper si udzabwezeredwa pa nthambi zonse za bungwe Ngongole;
• pa mlingo ulaliki oyambirira yafupika 0.01% pa annum;
• zokulitsa n'loonadi Bank ku Central sindingakhoze.

ena ziwerengero

Mu February 2015, pazipita pafupifupi mtengo pa zikalata anali 13.28%. Malinga Bank ku Central, chizindikiro chomwecho kwa madipoziti pafupi ndi chizindikiro kuti 13,85%. Izi ndi apamwamba kuposa mitengo pafupifupi pa Bank mwadzina chapakati (12.92%), koma zochepa wonyamula zikalata (15.71%). Mlingo pazipita mankhwala zaka 18% ( "FiaBank") ndi 16.5-17% (UBRD).

Insurance akadali zotheka

Ndi chikoka kuchuluka kwa utumiki anapereka okayikitsa banki m'dera tikambirane njira kupereka zikalata kwa Uwerenge rubles 3 miliyoni. mabungwe Mawu ayenera ngongole nthawi yaitali. Magwero a mapangidwe awo akhoza kukhala yotsimikizika. Malinga ACB, zaka 5 ku Russia padera mu Bank of thililiyoni 1.4 rubles. Kodi motere ku mfundo imeneyi? Ngati timaona kuti pafupifupi nyengo ya zolowa anakwana zaka 3, Mwina zikalata ntchito ngati magwero a ngongole patali kwambiri.

chidule

Ndi ndalama zilipo, anthu angathe chigamulocho iwo zida ndalama. Mwachitsanzo, ndalama Bank kuti apereke zikalata wamumtima chidwi pa zomwe ndi apamwamba kuposa madipoziti ena. kokha pasipoti chofunika kwa iwowo. mawonekedwe lili bwino kulipira pa mapeto a nthawi yake, kapena chiwongola dzanja utachepa kuti 0.01% pa annum, lomwe ndi disadvantageous kwambiri. The mkulu mlingo wa profitability ndi chifukwa chakuti malipiro a ndalama amenewa sanalonjeze ndi Agency Insurance Gawo. Choncho, banki amalipira makasitomala malipiro apamwamba.