Harkar Kuɗi gudunmawar da Savings Bank ga mutane

Rasha Savings Bank yayi mutane wani m adadin ajiya shirye-shirye. Bude wani asusu na iya zama duka a rubles da kuma a cikin kudin kasashen waje. Mafi yawa daga cikin gudunmawar lasafta a kan Yuro ko dalar Amurka, amma yana yiwuwa su kula da ƙasa da na kowa banknotes - francs, yen kuma kore Sterling. A wannan labarin, za mu yi la'akari da yanayin sa a gaba to ajiya shirye-shirye Sberbank. Kudin kasashen waje adibas, duk da rage yawan lada, zama mashahuri a cikin jama'a.

iri adibas

Savings ko da yaushe offers da abokan ciniki da kuma m abokan ciniki da fadi da kewayon adibas tare da daban-daban sharuddan. Wannan ba ka damar bude wani ajiya lissafi na daban-daban segments na yawan jama'ar, to zabi mafi m shirin. All data kasance kudin kasashen waje adibas za a iya raba uku kungiyoyin:

1. Gaggawa - daban-daban short duration na ma'amala. Deposit da aka bude a cikin wani karamin lokaci (3 months).
2. Long - nufin cikar wani dogon lokaci kwangila. Babban birnin kasar da aka located zuwa shekaru 3, bayan da yiwu tsawo na ajiya.
3. Online. Domin su samu ba dole ba ne ku je banki, kawai zuwa online lissafi ta hanyar da yanar-gizo, da kuma aika da aikace-aikace zuwa bude wani ajiya.

Kowane shirin yana da yawan amfani ko rashin amfani ga wani musamman abokin ciniki. Don sa babban birnin kasar da mafi kyaun amfani, ya kamata a fili ayyana manufofin da ake so sakamakon.

Bude wani ajiya lissafi

Intrigued da jeri na kudi ajiye a waje monetary raka'a, da m abokin ciniki yana neman bayanai a kan hanya a kammala yarjejeniyar. Abin da ayyuka bukatar yi bude kudin ajiya? Sberbank bukatar m takardun da lokaci: kawai bukatar fasfot ko daidai daftarin aiki. A hanya daukan kasa da awa daya. A m adadin zuwa asusun da kwangila domin bude na ajiya amfani za a sanya hannu da kuma biya.

Bankin abokin ciniki iya ko da sauri da kuma sauki a bude kudin kasashen waje adibas. Savings Bank yayi wani online sabis, ta hanyar abin da za'ayi yawa da sabis na bankin. Access to shi ne kambun da zare kudi da katin bashi asusun. Don aika mana inquiries bukatar:

• shiga a cikin "Sberbank Online» tsarin.
• zaži "Adibas" sashe.
• click a kan amfani ajiya shirin.
• cika a cikin hanyar da ya nuna adadin aikace-aikace, duration na kwangila da kuma bayani na lissafi daga abin da kudi za a canjawa wuri.
• biyu-duba your shigarwar da kuma tabbatar da aikace-aikace via SMS.

Kisa za a iya sarrafawa via sirri hukuma. Bayan karshen rajista na abokin ciniki yana da hakkin ya kai wani mataki bayar domin ajiya shirin.

Features da kuma Amfanin

Harkar Kuɗi gudunmawar da Savings Bank ga mutane - shi ne na zamani, m da kuma dace. Sakawa da kudi a wani ajiya account, wani abokin ciniki shi ne iya ba kawai ajiye su, amma kuma ya lashe lambobin yabo da sha'awa kudi hawa da sauka. Wasu shirye-shirye sun hada da kammala da / ko m withdrawals.

Kudin ajiya da ya buɗe ta mai da wadannan siffofin:

• samun kudi canja wurin a waje da alãmarsu;
• hira da kudi;
• canja wurin zuwa wasu kasashen.
• biyan bashin da sabis.
• tsabar kudi janye.
• capitalization ban sha'awa.

Shi ne dace don daukar wani mataki a kan ajiya, tare da taimakon online sabis. Da kuma bayar da atomatik tsawo daga cikin yarjejeniya a kan wannan sharuddan.

Overview na kudin kasashen waje ajiya kayayyakin

Ga 2016, akwai 9 shirye-shirye da damar tara kudi a cikin account na PJSC "Sberbank". Kudin kasashen waje adibas ne aka bude a yanayi daban-daban, amma kamar wannan lokaci - daga watanni 3 zuwa shekaru 3. Akwai lokacin da adibas tare da m tsawon kwanaki 30. Interest rates kara da adadin da lokaci na ajiya, amma mafi girma amfani za a iya samu daga "Ka jinkirtar da" shirin.

Ka yi la'akari da tebur taƙaitaccen bayanin da adibas miƙa ta PJSC "Sberbank na Rasha":

Albashin mafi girma a kan wadanda shirye-shirye da ba su samar da aiki na kau da ƙari. A mafi abokin ciniki ka gudanar da babban birnin kasar, da ƙananan cikin kashi.

Lokaci adibas "kubutar da" da "International"

The kwangila ga wadannan shirye-shirye ne inganci daga 1 ga watan ba tare da yiwuwar ƙari ko cire. Gudunmawar zai zama da taimako ga wadanda abokan ciniki suka yi nufin su kiyaye da kuma bunkasa wani adadin kudi.

Ko da yake adibas da za a iya bude wani m lokaci, da sha'awa kudi zai zama low (0.01%). Ga wani monetary gudunmawar da Savings Bank ne halin da mulkin: da ya fi girma da ajiya lokaci, da girma, da sakamako. Alal misali, "Ka jinkirtar da" shirin zai kasance a kalla kashi na tsawon na ma'amala 1-3 shekaru:

• a daloli - 1.35;
• Yuro - 0.3.

Domin ajiya "Ka SHC @ dh" kudi ne dan kadan mafi girma: 1.6% da 0.4%, bi da bi. A wasu yanayi ne guda tare da wannan taimako.

Gudunmawar da "International" a karkashin sharuddan da shirin ne kama da "Ka." Kawai kudin da kuma amfani rates ne daban-daban:

• a fam daga 0.05% zuwa 1,75%.
• a yen daga 0.01% zuwa 0,55%.
• CHF - 0.01%, ko da kuwa da tsawon da kuma adadin.

Feature na ajiya ne hanya zuwa accrual - a karshen zamani.

"Recharge" da "Sarrafa"

Wadannan shirye-shirye da mafi dadi yanayi ga waɗanda suka yi suna amfani da su tsare ajiye kudi. Deposit lissafi ne ya bude na tsawon watanni 3 zuwa shekaru 3. Matsakaicin amfani rates a kan kudin kasashen waje adibas na Savings Bank a daloli da Yuro, bi da bi, su ne kamar haka:

• "Ka sanya katin" - 1.1% da 0.2%.
• "Ka sanya katin SHC @ dh" - 1.3% da 0.3%.
• "Sarrafa" - 0,85% da 0.05%.
• "Sarrafa SHC @ dh" - 1.1% da 0.1%.

Azurta capitalization ban sha'awa da kuma biyan kudin shiga a cikin wani raba asusun. Adibas ne m, a cikin wancan lissafi za a iya bayansa (a tsabar kudi daga $ 100 / Yuro Exchange - Unlimited). A shirin zuwa "sarrafa" da kuma ba ka damar partially janye kudi ba tare da rufe asusun.

Rates a kan adibas "Multicurrency" da "Savings Account"

Duka shirye-shirye ne na musamman da kuma ban sha'awa. Alal misali, a ajiya na "Multicurrency" buɗewa a cikin uku monetary raka'a: rubles, Tarayyar Turai da kuma daloli. Bugu da ƙari, m fee ne kawai 5 haruffa na kowane kudin. Kwangila ne inganci daga daya zuwa shekaru biyu da yiwuwar sabuntawa ta atomatik. Bayar da ƙari asusun: Exchange illa ma sha Allahu, yayin gabatarwar tsabar kudi - daga 100 Tarayyar Turai / daloli da kuma 1,000 rubles.

Babban manufar da ajiya - sami albashi daga kudin hawa da sauka. A abokin ciniki yana da ikon ya maida wani Unlimited yawan sau kudi a da hankali. A albashin za a sāke kowane watanni 3 zuwa ga wani ƙarin lissafi bude a PJSC "Savings Bank". Kudin kasashen waje adibas da daloli zo da kewayon 0.01% zuwa 0.9% annum. A Yuro kudi ne mafi suna fadin - 0.01-0.05%.

Product "Savings Account" An halicci for free controls. Ba shi da iyaka a kan tushe ko da adadin da sadakoki, da adibas da withdrawals. Bugu da ƙari, cikin abokin ciniki samu daga 0.01% zuwa 0.1% a kowace wata daga darajar da asusun balance.

sauran bayanai

Masu sha'awar adibas da kuma batun haraji. So ƙarin canja wurin kudi tare da IRS, tare da ajiya na PJSC "Sberbank"? Harkar Kuɗi gudunmawar levied kawai a cikin kudi na albashin na 9% a daloli, Tarayyar Turai ko wasu kudin bayanin kula da more. Irin wannan dabi'u ba su samu a wani daga cikin shirye-shirye duba. Wannan yana nufin cewa mai shi na ajiya ba ya fada karkashin sharuddan haraji.

A abokin ciniki kuma yana da hakkin ya prematurely rufe kudin kasashen waje adibas. Sberbank ba Ya kãmã a kan wannan tsari tara, ko kwamitocin. Account mariƙin yardar kaina cire duka ajiya adadin kuma sami wani kaso fee (yawanci kadan).

Savings Bank yayi wani iri-iri na ban sha'awa shirye-shirye ga wadanda suke so don adana da kuma kara ka kudi. Kudin kasashen waje adibas iya ba kawai sami wata-wata ban sha'awa, amma kuma ya lashe a kan kudi hawa da sauka. Yadda ya kamata kashe, za ka iya aikatãwa kyau kudi. Babban abu - a hankali karanta dukkan sharuddan da zabi mafi dace kudin kasashen waje adibas. Sberbank zai yi da sauran.