Certificate of Idiposithi: definition kunye neempawu

Certificate of deposit - yinto ukhuseleko ebhankini, nto leyo isiqinisekiso amalungelo abagcinisa ukufumana isixa esithile semali kunye nenzala kokuphela izibambiso. Ukuba semthethweni yesiqinisekiso ebibekwe ngokuqhelekileyo ukusuka kwiiveki ezimbalwa kukuba ukuya kwiminyaka emininzi. Njengomgaqo, bafake ngaphandle isiqinisekiso idiphozithi ngalo naliphi na ixesha, kodwa ke nenzala ethe phantsi inkqubo Inzala kwaso yesibambiso imfuno. Olu hlobo yesiqinisekiso linokufumana kuphela amaqumrhu asemthethweni kunye noosomashishini babucala, ngoko ke zifumaneka kuphela transfer bank.

Certificate of deposit isebenza sixhobo sigqibeleleyo zotyalo mali ka amaqumrhu asemthethweni. Yonke imizi egcina imali ebekwe imali ubuncinane nezatifikethi dipozithi, nto leyo ifumaneka kuphela amashishini amakhulu kodwa amashishini amancinane. rates Inzala kwezi izibambiso nomtsalane kakhulu, nokutshintshwa kwenzeka ngokukhawuleza kwaye ngaphandle nzima kakhulu, ngoko izatifikethi ze dipozithi basoloko zithengwa amaqumrhu asemthethweni zokuhlala efanayo.

Kanye uninzi izibambiso, iziqinisekiso dipozithi ingasetyenziswa ukufumana uqhagamshelwano okanye yakho njengesiqinisekiso semali-mboleko. Ukwenza ukunikezelwa kungqinwe isiqinisekiso ngasemva. Amaninzi, intengiselwano of ukuthenga nokuthengisa kweziqinisekiso ezenziweyo kwibhanki enye apho kukhutshwa. Ngamanye amaxesha ukusetyenziswa izithintelo zatifikethi ebekwe, uze ziqhutywa ezi izibambiso ebhankini. Isiqinisekiso thabatha umda ukuba umnini wayo akakwazi ukwabela nabani na ilungelo lokuba ubunini izibambiso, kwaye dibanisa yipesenti elikhulu kwesi satifikethi le dipozithi.

Kudla ngokungabikho ngxaki ukuthenga isiqinisekiso idiphozithi ezibhankini enkulu Russian. Ukuba uthenga i Savings Idiposithi Iziqinisekiso Bank, nina nabo banikwa iziqinisekiso awuthenge, ukuba ukulahleka original uya kufumana ukhuseleko nempinda. iziqinisekiso Sberbank ngokuqhelekileyo kwikota (ixesha - unyaka omnye) kunye ebhalisiweyo, oko kukuthi izatifikethi sokufakwa obizwa, nangona ilungelo ibango enokusasazwa.

Idipozithi isatifikethi i-Savings Bank luxwebhu kwimfuno, ukuba wokuvalwa kokwamkelwa sedipozithi, oko kukuthi, umnini lifumana imali ngomhla xa kuza kufuneka. Iziqinisekiso deposit Savings Bank ayikwazi ukwenza iintlawulo zeempahla okanye neenkonzo, kodwa ibhanka ukuphepha ezifana njengesiqinisekiso sokuba umnini-mboleko ezingqiniweyo zesatifikethi dipozithi. Sberbank unalo security nje isatifikethi imali kunye edada umyinge wenzala kunye nexabiso ngegama lika-1, 10, 50 amawaka. A phawu kwesi satifikethi kukuba wathengisa ngayo abantu kunye isatifiketi ifomu zakhe.

Ezinye iibhanki zorhwebo kwakhona ukukhupha izatifiketi dipozithi, kodwa ethile zazo eziphambili kukuba urhulumente akuqinisekisi ukhuseleko iidiphozithi zabo. Noko ke, babesebenzisa inshorensi idipozithi kwaye ugcine oovimba imbopheleleko kunye Central Bank of Russia ukuphucula iziqinisekiso abagcinisa. Ukongeza, iiBhanki ezingoovimba linoxanduva inkqubo ukuze kwakhiwe mali inshorensi beebhanki, leyo inegunya. Bangakwazi kusetyenziswa ekuhlawuleni iingozi zemali zeebhanki, inshorensi idipozithi, hlawuleka zokulahleka banokuba ngabathengi. Ukongeza, lo mthetho igatya ovumela Central Bank of Russia ukusebenzisa zigcinwe koovimba bakhe wammela etyala karhulumente, nto leyo bubungqina kwinqanaba entsha yonxulumano kwi Savings zoshishino Russian.