"Penshioni Plus" - chopereka kwa Bank ndalama. Terms ndi chidwi

Sberbank ndi limodzi mwa mabungwe zopezera ndalama ku Russia. makasitomala ake - osati oimira malonda ndi anthu, komanso ku Russia wamba msinkhu pafupifupi ndalama. Ngakhale m'malo chidwi pa mfundo banki, m'badwo, banki akadali sanataye kutchuka wake wakale. M'malo mwake. kasitomala wake m'munsi ndi atsopano kawirikawiri ndi anthu atsopano. Ndipo onse chifukwa kuti pamalowo izi ngongole ali mankhwala ndalama anaikira misinkhu yosiyanasiyana, kuphatikizapo anthu achikulire. latsopano gawo pulogalamu "penshioni Plus" anayamba kupanga mwachindunji iwo Posachedwapa. Mphatso za ndalama Bank pa angathe kutenga akuluakulu kuti amakwaniritsa ena. Dziwani zambiri za kamangidwe ndi mbali ya dongosolo ndi zikhalidwe ife kufotokoza pansipa.

Akamanena lonse la pulogalamu mu Mwachidule

"Penshioni Plus" - chopereka kwa Bank ndalama, limene lakonzedwa kuti anthu a zaka zopuma pantchito. Pankhaniyi, iwo ayenera mayina Fund ndi penshioni ya Russian Federation kapena mabungwe omwe si a boma, ndi kulandira chithandizo choyenera cha ndalama.

Kudzera pulogalamuyi zosangalatsa ogula banki angadalire ndalama kuchokera pantchito. Izi ambiri n'kothandiza kwambiri, makamaka sitili pa zina ndalama.

Ndalama: chopereka "penshioni Plus" zinthu ndi mitengo

Ngati mukufuna njira ndalama, sizingawononge, tidzaphunzira zambiri za zinthu zimenezo dongosolo yosungirako. Zamkatimu ngati gawo kwenikweni zaka zitatu zokha. Ndipo izo zikhoza kuchitidwa okha ndalama dziko. A gawo osachepera amayamba 1 opaka.

Athandiza chikukhudza madipoziti refillable ndi kuthekera extension capitalization. Iye anaganiza ndi tsankho achire ndi kukhalapo kwa osachepera bwino sanali kuyaka ndi 1 yekha ruble. Accrual chidwi chopereka limapezeka pa miyezi 3. Ndi pa zinthu izi ndipo Sberbank. Mlingo wa chopereka "penshioni-kuphatikiza" mu nkhani iyi ndi 3.5%, ndi capitalization anapanga - 3,67% pa annum. Komanso chidwi mwina mlandu anawaonjezera koyamba ndalama. Pankhaniyi, kuchuluka kwa ndalama zidzachitika mu lipoti nthawi yotsatira.

ndi capitalization wa gawo chiyani?

The capitalization wa gawo la - chidwi yowonjezera pa kuchuluka choyambirira cha chopereka chanu. utumiki Izi zimathandiza kuti zina ndalama chabe mwa chilinganizo zovuta kuwerengetsa chidwi. Ndi zosangalatsa ndi opindulitsa.

Kodi ndi mmene ingandithandize?

Pofuna kuti "penshioni Plus" chopereka kwa Bank ndalama, muyenera kukaona ofesi ya pafupi. zikalata muyenera kokha pasipoti ndi satifiketi penshioni. Yotsatira kokha kulemba pangano la banki ndi ndalama iliyonse kutsegula akaunti ndalama. Kapena kugwiritsa ntchito potengapo mbali mu pulogalamuyi akhoza kugwiritsa ntchito malo ndi ATMs wa bungwe ngongole, komanso Internet banki "Sberbank Online".

Kodi kuwerengera phindu malire pa gawo la?

Pamaso kutembenukira kwa ndalama Bank ( "penshioni Plus" - chopereka, chidwi chidwi pa maziko miyezi itatu iliyonse), muyenera kuchita kuwerengetsera yoyenera pa malo a gulu la ndalama. Makamaka kwa cholinga ichi ntchito pafupifupi Intaneti Chiwerengero. Popeza mwayi kwa maukonde kuwerengera chidwi pa gawo udzakhala oimira banki.

Chifukwa ndi losavuta kumva, timapereka chitsanzo cha kuwerengetsera lapansi. Choncho, ngati inu kupanga gawo pa 12.29.2016 kuchuluka kwa rubles 1,000, deti limene amaliza - 12.29.2019, logwirizana ndi masiku 1096.

Mu kukhalapo kwa capitalization chidwi, palibe achire oyambirira a ndalama ndi zonse kubwezeretsa pafupifupi kukula kwa ndalama mwezi adzakhala 3,06 rubles. Pa nthawi yonse chidwi accrual kuchuluka kwa ndalama yanu kukhala wolingana 110,31 rubles. Pamodzi ndi yaikulu athandizira ndi nkhani ndalama. Chopereka (Piggy) "penshioni Plus" amapereka phindu, kukula kwa amene kumawonjezera ndi kuchuluka kwa chopereka chachikulu.

Kodi mfundo mwachindunji mu mgwirizano?

Musanapite gawo kuti pensioner kuti kulemba pangano la mgwirizano. Mu izo, monga ulamuliro, deta zotsatirazi:

• kuchuluka kwa ndalama anasankha;
• nthawi zopereka;
• kutseka tsiku lomaliza la gawo la;
• kukula kwa mlingo pa gawo la;
• osachepera kuchuluka kwa zopereka zina kuti malipiro ndalama;
• Pafupipafupi zina zopereka;
• kuchuluka kwa zotsalira incombustible;
• ndondomeko kuwerengetsa chidwi, etc.

Komanso mu chikalata ichi zikuphatikizapo mfundo kukhudzana ndi mfundo za mbali zonse, ndipo nthawi zina matrasti pensioner. Pambuyo yachinsinsi deta, onse chipani kugwirizana zinasaina chikalatacho.

Kodi ndimatsegula gawo pa kamodzi pa anthu ochepa?

The "penshioni Plus" (mphatso za Bank ndalama) salola kutsegula kwa gawo pa anthu angapo nthawi imodzi. Anandilola chonse cha ulamuliro kwa anthu ena. Mu nkhani iyi, pensioner akadali waukulu chifukwa chofukizira. Komabe, anthu ake odalirika alandire kupeza wotuluka ena, monga kulandira ndalama m'malo ake. Mu nkhani iyi, ulamuliro ndi chikalata kwaulere ku banki. Ndondomeko sikutanthauza pamaso pa munthu amene pensioner kukhulupirira kasamalidwe madipoziti, koma amafuna yachinsinsi kuvomerezedwa ndi odziwitsa lapansi.

Kodi pali zolimbikitsa kulikonse kwa ndalama?

Kutengapo mbali mu pulogalamuyi "penshioni Plus" atadza pa mawu yabwino. Makamaka, woyang'anira malipilo limapezeka pa gawo pa mtengo wapatali kwambiri zotheka. Komanso kuchuluka izi sikudalira pa kuchuluka kwa ndalama pachiyambi.

Kutheka prolongation wa chopereka

Extension a mtundu umenewu gawo chikuyembekezeka. Iwo anachita basi monga zikhalidwe za mgwirizano gawo.

Kodi chidwi accrued?

Accrued chidwi pa gawo la anawonjezera kuti olemekezeka kuchuluka kwa gawo lapansi. Koma malinga ndi makasitomala akhoza kuchotsa iwo kwathunthu kapena mbali mu nthambi iliyonse banki kapena ntchito "Sberbank Online" utumiki.