Savings: Indlela yokwenza imephu ukuba umhlalaphantsi?

umhlalaphansi Zininzi abathengi yeebhanki ezahlukeneyo. Kodwa bambalwa iibhanki zinika ithuba elikhulu kubantu yobudala yomhlala ukuthatha ngetyala, kuba kolu didi umxumi usemngciphekweni (ukusilela ukubuyela iimali waboleka). Sberbank, ngokuphakamisa pension, unika imali kubemi abaphezulu lokuboleka, lo gama ezinye iibhanki abo bakuphikayo ukuba oku ngenxa yokwaluphala.

Savings: Indlela yokwenza imephu ye umhlala

Sokubhalisa uhlobo mboleko kufuneka ukunika igosa yokundwendwela ebhankini, inombolo VAT kunye nesiqinisekiso imali pension ethe. kwezigqibo elide ngokuqhelekileyo akuntsuku zingaphezu kwe ezimbini. Kwimeko ukuba umhlala abafumana ipension nge-Savings Bank, ngoko kuza kufuneka uxwebhu ukunika kuphela yokundwendwela, kwaye igama elithi ngesigqibo aya kuncitshiswa abe iiyure ezimbini. Ukuba iminikelo yomhlalaphantsi utyholwa ngomnye ibhanki, unako ukukhupha ikhadi Visa. Savings kudla ngokusisondeza ngaphandle kwesivumelwano, kodwa inika ithuba lokonwabela iinzuzo zeli ziko. Enyanisweni, uninzi-akhawunti yebhanki kwiinkqubo zabathengi ukunyaniseka. Ngoko ke, kubaboleki, abatyali kunye nabanye abantu abasebenzisa inkonzo Savings Bank, kukho iinkqubo bonus, unyuselo, njalo-njalo.

Savings: ukuhombisa indlela ikhadi kwaye yintoni ke iimeko

Iimeko iqhutywe Sberbank isicelo semali-mboleko, oko njengokwamkelekileyo enengqondo. Okokuqala, ubudala umntu ukuzukiswa ngenxa inkqubo enjalo kufuneka isekwe komthetho ukufikelela umhlala-phantsi. Oko kukuthi, kufuneka ilungelo lokusebenzisa iinkqubo ngetyala amabhinqa iminyaka kunye namadoda kwiminyaka 65 55. Okwesibini, ekupheleni kwexesha mboleko nobudala mboleki abuyi ngaphezulu engama-75. Isixa mali inokuba razlnoy, kuxhomekeke amaxwebhu angeniswe. Oko kukuthi, ukuba lowo udla umhlala-akakwazi ukunika ukhuseleko okuhlawula imali ebhankini, imali-mboleko iza kuba evela engange-15 lamawaka 45 lamawaka, kunye nentlawulo kwiminyaka ukuya ku-3. Ukuba ibheyile unokunikwa, imali kunye nexesha uya kwandisa ngokufanelekileyo. Isifundo isibambiso libe njengoko izindlu kunye neemoto, kwakunye amatye anqabileyo okanye izibambiso.

Savings: ukuhombisa indlela ikhadi umhlala (iinkcukacha)

rates Inzala iya kuxhomekeka kubonelelo iimeko zemboleko kunye nexesha laso. ludla aphakathi ko-15% -21% ngonyaka.
Ukuba mali ocetywayo yibhanki, Ninganeli kunye umhlala-phantsi, oko kwandisa umda ngetyala ngokunika amaxwebhu ayimfuneko. Umhlala ukusebenza - nto idla ingxelo yengeniso evela kumqeshi. Kuba abakhubazekileyo - i imvume umfazi wakhe ukuba abe co-nye umnikimali nomamkelimali. Kulo mzekelo, isalathisi yokuhlawula amatyala le umboleki eya kuzuza sibini. Yintoni ephawulekayo kukuba i co-mboleki inokuba omnye umntu. Ngokomzekelo, unyana okanye intombi. Enyanisweni, abantwana nabantu abadala banokufunda iinkcukacha ezingakumbi malunga zonke iinkqubo ngokuhlolisisa ingcaciso malunga nesihloko: "Savings:. Indlela ukuhombisa ikhadi umhlala"

Ukusuka kungasentla kunokwenziwa isigqibo sokuba imigaqo-mboleko evela Sberbank onyanisekileyo ngakumbi ngonaphakade kubaboleki umhlala ngaphezu kwezinye izakhiwo yorhwebo. Ngoko ke, ukuba imali zifuneka ngokukhawuleza kakhulu, kufuneka ufumane ikhadi lamatyala Savings Bank, kunokuba emngciphekweni uzama ukwenza oko kumaziko ezinye mihle-nye.