Sberbank: kubhadhara kwokutanga kwechikwereti (mamiriro, kudzoka kweinishuwarenzi)

Kazhinji zvinowanzoitika kuti, paakabudisa chikwereti nemari yakaisvonaka, mutengi mushure mechinguva achishamisika anoona kuti ave akazosimbiswa zvakare uye akagadzirira kubhadhara chikwereti kupfuura nguva yakatarwa. Uyezve unofanirwa kuenda kunheyo yemari (ichiti, Sberbank). Kubhadhara kwokutanga kwechikwereti, kusinganzwisisiki, hakugamuchirwi nechikwereti chekwereti. Uye izvi hazvishamisi, nokuti nokukurumidza iwe unobhadhara chikwereti, zvishoma kubhadhara bhaganhi ichagamuchira.

Kunyange zvakadaro, inenge mabhanga ose anobvumira vatengi vavo kudzorera mari kana vakagadzirira kuzviita, zvisinei, pane dzimwe nguva zvinoda mamwe mimwe mitemo, somuenzaniso, kubhadhara mubhadharo kana kubhadhara chikwereti chechikwereti zvachose.

Chimwe chezvikwereti zvishomanana zvebhengi izvo zvisingatauri chero zvimwe zvido zvevanokwereta iyo ndiyo Savings Bank yeRussia. Pamusoro pake uye mutaure.

Chii chiri kutanga kudzorera

Saka, ngatiende kuSberbank. Kubhadhara kwokutanga kwechikwereti kunogona kuitwa pasina mimwe mitemo. Iwe unoda kuziva kuti basa iri rakakwana uye rakasarura.

Chokutanga ndechiitiko apo iwe pakarepo unoisa chikwereti chose chechikwereti pamwe chete nechido uye unogumisa chibvumirano chechikwereti.

Muchiitiko chechipiri, chikwereti chinongodhadharwa zvishoma. Mushure mokuita mari yakadikanwa (kupfuura chikamu chekubhadhara), chikamu chechikwereti chinoramba chiripo, uye chibvumirano chechikwereti chinopfuurira.

Kutendeseka kutaura, chero rudzi rwekubhadhara kwokutanga kwaunoshandisa - haruchiri kubatsira kubhangi uye, zvechokwadi, rakanaka kwauri. Makore mashanu akapfuura madhigirii ose emari akabhadhara vatengi vavo nekuda kwezviito zvakadaro, asi muna 2011 tsika yakadaro yakaziviswa zvisiri pamutemo (Ndiro 809, 810 ye Civil Civil yeRussian Federation).

Annuity payment method

Kana ukataurirana naSberbank, kubhadharwa kwechikwereti chekare, kana kuti pane zvaunoita munyaya iyi, zvinotarisa kuti iwe unonyatsotsiva sei chikwereti chako. Kana iwe uine purogiramu ye annuity, kureva kuti, iwe unoisa mari yakaenzana mwedzi mumwe nomumwe, unofanirwa kubhadhara chikwereti kare:

• Kutarisa mari yakakwana kubhuku rekugadzirisa;
• Pazuva apo sara inotevera iri kunyorwa, gamuchira ruzivo rwakakosha kubva kubasa rebhangi kubhadharwa chikwereti chekare;
• Mushure mokuisa mari, kumbira mushandi webhangi kuti atange purogiramu itsva yekubhadhara inobva pachikwereti chakanaka;
• Kana wakaita mari yakazara, iva nechokwadi chokuti chikwereti chakavharwa, uye kumbira mushandi weSberbank kuti akupe chibvumirano chinosimbisa ichi.

Kana chikwereti chiine nguva yakasiyana

Kana zvikwereti zvako zvisina kukwana, iwe uchazofanira kushanyira chikwereti chekwereti (kwatiri, Sberbank). Kubhadhara kwokutanga kwechikwereti munyaya ino kunoitika zvishoma maererano nechirongwa chimwe chete:

• Tinoisa pazamu remukati mari yakawanda yemari;
• Tinokumbira kubhizimisi kubhadharo yekubhadhara chikwereti mberi kwepurogiramu (kana chikamu chacho);
• Isa chiratidzo chebvumirano chairo;
• Ndapota chengetedza chikamu chechikwereti uye ugadzire purogiramu itsva yekubhadhara.

Cherechedza! Pasinei nokuti chokwadi chekubhadharwa kwechikwereti cheSberbank chikwereti, zvikwereti uye zvikwereti hazvitore, asi zvichiri kudikanwa kutevedzera mamwe mamiriro ezvinhu:

• Tanga kubhadharwa kwepakutanga pamutengo wekukwereta kunogona kunge kusina makore matatu mushure mokunge yarohwa;
• Iwe unogona kuita mari yakawedzerwa yekubhadhara kwokutanga chero nguva, asi iwe unofanira kubhadhara chikwereti chinotevera chinotarisirwa kunyatsoenderana nehedu.

Kutanga kudzorera mari

Iye zvino chimbofunga nyaya yekubhadharwa kwepakutanga kwekwereti chekutenga chikwereti. Sberbank pachiitiko ichi haisiwo mimwe mitemo, iwe unogona kuita chero chiyero uye kunyange kudzorera chikwereti zvachose.

Zvechokwadi, pakarepo kubhadhara chikwereti chose hachikwanise kuonekwa, asi pano apa maduku maduku anogona kubhadharwa nguva dzose. Kune nzira mbiri dzekugadzirisa zvakare chikamu chechikwereti chekwereti:

1. Deredza mutengo webhadharo yemwedzi pamusana pezvikwereti zvekare zvawedzerwa. Iyi nzira inowanzoshandiswa kana muchengeti asina chokwadi kuti mukana wemari yake haigoni kuchinja mune ramangwana uye achakwanisa kubhadhara mari yakawanda kwenguva yakareba. Zvose nguva yechikwereti inoramba ichifanana.
2. Siya mari inoshandiswa pamwedzi pamutengo mumwe chete, asi nekuda kwekubhadhara mari yakawanda, izwi rechikwereti pacharo rinofanira kuderedzwa. Nzira iyi inonyanya kuzivikanwa, sezvo inofungirwa kuti nenzira iyi inogona kuitika kuderedza zvakanyanya kubhadharwa kuripo kwechikwereti.

Chero zvazvingava, zvisati zvave kuda kunonoka kugadzirisa zvikwereti, zvinokodzera kunyatsoongorora chibvumirano. Zvichida, yakatove yakanyoresa nzira dzose nemamiriro ekubhadharwa kwokutanga.

Chii chandinofanira kuita?

Saka, danho nechiito murayiridzo:

1. Tinozviisa kune Sberbank chikumbiro chekubhadhara kwokutanga kwechikwereti.
2. Tinozadza mamwe magwaro, kana zvichidiwa (mutungamiriri achakuudza pamusoro peizvi).
3. Tinokumbira mushandi webhangi kuti adzokere zvakare chikwereti chisina kubhadharwa kana kuzviita zvakasununguka achishandisa kuverenga pawebsite yebhangi.
4. Tinounza mari kubhengi yako yekwereti.

Chimwe chinhu chinonyanya kukosha: kana iwe uronga kuunza mubhadharo wekare (wakakwana kana kuti kusarura), uya kubhangi pashure kwemazuva manomwe usati wabhadharwa kubhadhara. Kana zvisina kudaro, hapana chichazobuda, kubhadharwa kuchave sekufanana, uye kubhadhara nguva isati yasvika kuchasarudzwa kumwedzi unotevera.

Kudzoka kwe inshuwarisi

Kana ukadzorera mari isati yasvika, iwe unogona kuchengetedza kwete chete kune chido. Uyezve, unogona kutarisira kudzorera inshuwarisi yekubhadhara kwokutanga kwechikwereti (asi kwete munhu wese anoziva nezvazvo).

Chokutanga pane zvose, iwe unoda kuonana nekambani ye inshuwarisi (kwete ibhangi) uye upe zvinyorwa zvakadaro:

• The passport passport;
• Ikopikopi yesungano yechikwereti;
• Chikwangwani chinobva kubhangi iyo chikwereti icho chabhadharwa zvakakwana.

Iwe uchafanirwawo kunyora chikumbiro chakataurirwa kumusoro weUnited States, uko iwe unoratidza kuti urikumbira kubhadhara kweinishuwarenzi apo chikwereti ichibhadharwa kare.

Usati waita chisarudzo chekudzoka inshuwarisi, nyatsoverenga chibvumirano. Sezvaunonzwisisa, hapana munhu anoda kugovana nemari, kunyanya makambani ehushuwarisi, saka pane zvingasarudzwa zvitatu zvekusimudzirwa kwemamiriro acho ezvinhu:

1. Mukudzoka kwemari iwe ucharambwa. Izvi zvinoitika nenhamba yakawanda yevatengi. Ichokwadi ndechokuti mune zvibvumirano zvakawanda pane imwe nzvimbo mudiki uye "paminda" mamiriro ezvinhu anorayirwa, zvichienderana nekuti SC inozvidzivirira padzo kubva pamitero. Chenguva panguva yekunyorwa kwechikwereti kwemashoko maduku mashomanana vanhu vanoteerera. Iwe unogona kunge uchikwanisa kudzorera mari yako, chete nokuda kweizvi iwe uchada kubvunza rubatsiro rwemurairi ane ruzivo.
2. I UK ichadzorera mari yako muchikamu. Izvi zvingangodaro pane zvakaitika apo mwedzi inopfuura mitanhatu yakapera kubvira apo inshuwarisi yakabudiswa. Vashandi veKUK vanowanzomiririra kuti chikamu chemari yacho chaenda kuhurumende mari. Kana mari yaunoda kuigamuchira yakakura zvakanyanya, faira chikumbiro chekufungidzirwa kwakanyorwa kwezvinhu zvinoshandiswa. Izvi zvichawana huwandu hwekubhadhara, kunyange, sezvaunenge watoziva kare, iwe unofanirwa kuita nekutonga.
3. Kudzorera zvakakwana. Kazhinji mari yose yeku UK isina mibvunzo inodzokera apo chikwereti chakabhadharwa mukati memakore matatu kubva pakuburitsa. Muchiitiko ichi, kusati kutongwa, zvichida, kusati kwauya, nokuti SC haigoni kuwana mhedziso.

Mamwe mavara

Nokubhadhara kwokutanga kwechikwereti, zvakakosha kufunga nezvezvikamu zvinokosha zvinokosha:

1. Usati wasangana nebhangi, edza kuita zviyero zvose iwe pachako, mune izvi iwe uchabatsira kubhadharwa kwekubhadhara chikwereti (panzvimbo ye Savings Bank). Nokuzadza mundima dzakakodzera nekudhonza pa "Bhokisi", uchakwanisa kuona kuti mari ipi inofanira kubhadharwa, purogiramu yekubhadhara (yakakwana) uye mamwe mashoko anobatsira.
2. Kazhinji kazhinji, haungakwanisi kubhadhara zvikwereti zvose mumwedzi wokutanga mushure mekubhabhatidzwa, dzimwe nguva izvi hazvigone kuitwa mumakore matatu kana kutatu. Saka, usati watora chikwereti, nyatsoverenga chibvumirano, kunyanya chikamu chakanyorwa pamusoro pekubhadhara kwekare.
3. Shandisa kudzorera kwepakutanga pose pose zvichibvira, nokuti inokubvumira kunyanya kuchengeta mari yako.