Ziziphi iingenelo kunye nokuphazamiseka kwesatifiketi sokulondoloza?

Ngokukhawuleza xa abantu benemali yokukhulula, abanqweneli nje ukuba bahlale bekhuselekileyo, kodwa banokwandisa imali ekhoyo. Makhe sithethe nawe malunga nesatifikethi sokugcina iSberbank kwaye yintoni umahluko ovela kwiifomethi.

Yintoni efana nayo?

Ngoko, isatifikethi siyikhuseleko, isixhobo esinokwethenjelwa sezimali ukuze ugcine imali yakho. Ziqinisekisiwe ngumlinganiselo umntu ohlawulwayo kwi-akhawunti kunye ne-Sberbank, kwaye unokukhutshwa kunye nengeniso emva kwexesha elithile liphelile. Uhlobo oluphambili lwesatifikethi ukusuka kwiifomethi kukuba akudingeki ukuba lubhaliswe kumntu othile, njengoko kukhutshwa kumphathi. Kwimeko enjalo, inokunikezwa, ithengiswe, ihlulwe, okanye izuzwe ngaphandle kweengxaki ezikhethekileyo, kwaye isetyenziswa rhoqo njengendlela yokuhlawula.

Ziziphi iingenelo zesatifikethi sokulondoloza?

- inzala ephakamileyo kakhulu xa kuthelekiswa nezinye iiphozithi - i-9.75 ekhulwini ngonyaka. Ngaloo ndlela, unokuthembela kwimbuyekezo ephezulu kule mali-mali;

- imali isatifiketi sokulondoloza ibhanki ingasindisa ixesha elide, kwaye inokunikezwa ngenjongo yokuhlawulwa nayiphi na ixesha elifanelekileyo emva kokuphela kwesivumelwano;

Ukuhamba. Ungayinika okanye uyithengise naliphi na ixesha elifanelekileyo kwaye ufumane ixabiso lakho elipheleleyo ezandleni;

- isatifikethi sinokukhutshwa ngumntu, ngoko ke akudingeki ukuba kukhuphe igunya lommeli okanye ukuzimela ngokuzimeleyo ebhankini, kodwa kufuneka uqaphele kwaye ubone ukuba isatifikethi asiwele ezandleni zabagxeki;

Isatifikethi sokulondoloza ibhanki sinokukhuselwa okufanayo kunye namanqaku ebhanki, ngoko awukwazi ukwesaba ukugcina imali yakho kule fomu;

- isamba esiphezulu sisoloko singenamkhawulo, ekubeni i- securities iyathengiswa ngexabiso lexabiso ukuya kwizigidi ezisibhozo.

Ziziphi iingxaki zokufumana isitifiketi sokulondoloza?

- Inani elincinci lokuthenga li-ruble elineshumi. Iphepha liyakuthengwa ngokungezelelweyo, kwaye ukuhoxiswa ngokukhawuleza akunikezelwa. Ukuba kuyimfuneko, ungabuyisela imali yonke ngaphambi kokuphela kwekota, kodwa ngaphandle kwenzala. Kodwa, ngokubhekiselele kwiifomiti, i-Sberbank inikezela ukuvalwa kwangaphambili kwediphozithi ngentlawulo ehambayo emva kweenyanga ezintandathu ukususela kumhla wesivumelwano.

- Isatifikethi sokulondoloza asikwazi ukuhlala sikhatywe, ngokungafani ne-deposits, imiqathango yalezi ziqinisekiso zingasetyenziswa kwakhona emva kokuba iziqinisekiso zipheliswe ngokupheleleyo. Emva koko, umntu kufuneka aphinde athenge isitifiketi.

- I-backback yesithathu, kwaye ibaluleke kakhulu, kukuba isatifikethi sokulondoloza asiqinisekanga kwinkqubo ye-DIA. Okokuthi, xa kwenzeka umkhosi omkhulu, umzekelo, ukuchithwa kwebhanki, umnini akayi kuhlawulelwa umonakalo, ubuncinane kwimyalelo ephambili.

- Ukubhaliswa kwemali kunye nentlawulo yengeniso phantsi kwesatifikethi kwenziwa kuphela ekupheleni kwesivumelwano, ngelixa idiphozi ingeniswa yenyanga, kwaye imali ingenziwa kwiimeko ezilungileyo, oko kukuthi, ngokusukela kwiprogram ukuya kwelinye.

- Isatifikethi somthengisi singasetyenziselwa ukufumana imali kunoma yimuphi umntu, kubandakanywa nenkohliso. Kwaye unokubuyisela amalungelo akho kuphela ngoncedo lwenkundla. Ngaphambi kokuba utyalole imali yakho kwisatifikethi sokulondoloza, kufuneka ulinganise kwaye uqhathanise zonke iingeniso kunye nokungalunganga, njengokuba, mhlawumbi, akufanelekile.