Savings takardar shaidar Sberbank: sha'awa. Sberbank mai bãyar da takardun shaida

Daya daga cikin yankunan inda yana yiwuwa su zuba jari ragi kudi - tanadi takardar shaidar. Wannan shi ne wani tsaro amincewa da takalifi na banki biya wani adadin na wani jiki mutum. Yi ado da shi a cikin wani bashi ma'aikata. Rasha Sberbank tanadi takardun shaida, da sha'awa a kan abin da ya fi sauran na kungiyar ta taimako, suna a bukatar a kasuwa. Kamar yadda a 17.11.2014, a wurare dabam dabam na 26 dubu. Fom tare da total dukiya ya 14.5 biliyan rubles. Wannan shi ne domin dalilai da dama: tsaro na bukatar da aka sanya da sauri, shi za a iya daukar kwayar cutar zuwa wasu kuma da'awar biyan bashin gaba da jadawali. Daga wannan labarin, za ka koyi a more daki-daki cikin yanayi a karkashin abin da takardar shaidar da aka bayar da kuma Rokon na Savings Bank (ban sha'awa, wanda ya yi alkawarin biya mariƙin na ma'aikata, da lokaci da kuma adadin kudaden da za a yi la'akari).

zuba jari

Mutane da suke kayayyakin tsabar kudi, a wasu nufi a yi mamaki game da inda su zuba jari da shi. Zuba jari a hannun jari na bukatar takamaiman ilmi. Precious karafa ba samar da wani tsayayyen kudin shiga. Don rage hadarin, yana yiwuwa su zuba jari a kudi kida na babban jama'a ma'aikata, wanda shine Savings Bank:

• takardun shaida, da amfani da wanda ake biya a kalla kudi (10%).
• adibas cewa an inshora irin gudunmawar, amma kawo da yawa kasa riba.

takardar shaidar Features

Tsaro na bukatar shi ne samuwa ne kawai a Rasha rubles na tsawon 3 zuwa watanni 36. Mika shi bai yi aiki ba, dole ka bayar da wani takardar shaidar Sberbank. Interest da aka lasafta a kan m adadin 10 dubu. Rub. a wani tsayayyen farashi. Number of Securities, ajalinsu yawa da kuma maras muhimmanci darajar da zuba jari za su iya sanin ko kudi a cikin kayyade range. A abokin ciniki yana da hakkin a kowane lokaci sallama ga fansa daga cikin Savings Bank takardar shaidar. Interest a cikin wannan hali zai iya tuba a cikin kudi na "a kan bukatar".

Yana za a iya sayar, da barin wasiyya ba, kyauta, amfani da tabbaci ko don lissafin. Idan ka gaggawa bukatar mai da wani babban Jimlar kudi da kuma lokacin da za a gudanar da bankin akwai, za ka iya kawai ba da takardar shaidar zuwa žangare na uku maimakon da tsabar kudi. Mafi muhimmanci, ta tushe lokaci bai ƙare. Wannan shi ne babban amfani da irin wannan CB. Client iya zabar, ga abin da adadin ya kamata bude wani ajiya "tanadi takardun shaida". Sberbank na Rasha, a wasu lokuta, ke saduwa da batun siffofin a wuce haddi na sadãki. Wannan CBA ne a dogara ga kayan aiki adanar kayan aikin, kamar yadda yana da dama digiri na kariya. Yana da daraja da saya ga mutane suka yi nufin su canja wurin manyan kudade, amma ba su so su a kan wannan aiki ya zama sananne haraji. Wannan shi ne dalilin da ya sa ma'aikatar kudi ta gabatar don share wannan kudi kayan aiki daga kasuwar.

sayan

kawai wani fasfo ake bukata domin gudanar da ma'amala. A wani tsaro Tilas a cika a duk fannoni. A rashin rubutu a kan daya daga cikin bayanai da ke sa da daftarin aiki da inganci:

• sunan "na Savings Bank Deposit Certificate".
• sha'awa ga yin amfani da taimako.
• bayarwa dalili;
• rajista kwanan wata.
• ajiya size (a cikin lambobin da kuma a cikin kalmomi).
• mika wuyansu da sadaukar da na banki mayar da kudi;
• kwanan watan bukatar.
• Issuer ta adireshin.
• sa hannu na biyu bashi hukumomin kwararru, stapled bugu.

Rasha Sberbank takardun shaida, sha'awa, sabis da yanayi

A 24/12/2014, da kudin da aka biya a kan wadannan Securities:

A nan ne sharuddan a kan abin da za ka iya saya Savings Bank of Rasha Savings Takaddun shaida. Interest da aka biya a balaga. Yana bayyana a kan tsari da cewa rates an kafa fi a kan adibas. Yana da gaske ne. Certificate a cikin adadin dubu 100. Rub., Wanne za a kawo zuwa balaga cikin 367 kwanaki, zai kawo kudaden shiga na 12,25% na ajiya adadin, watau. E. 12 557.53 rubles. Deposit "Ajiye" karkashin wannan yanayi bayar ga sha'awa kudi ne 8,25%. Wannan shi ne wani riba na 8 647.12 rubles. Ya kamata kuma a lura da cewa, yawan amfanin ƙasa a kan Securities denominated a 10-50 ths. Rub. kusan sifili. Saboda haka shi ne mafi m sayan daya tsaro zuwa wani matsakaicin adadin.

Idan prematurely cancanci samun ceto tanadi takardar shaidar Sberbank, amfani za a biya 0.01% shekara-shekara kudi. Babban Bankin iya a kowane lokaci da za a canja shi zuwa wani ɓangare na uku. Don gyara shi a cikin takardu ba su da bukatar. Amma wannan aiki zai yiwu ne kawai a lokacin da ajiya.

wasu zaɓuɓɓuka

Bugu da kari ga Sberbank, Rasha ta takardar shaidar za a iya saya a cikin wasu cibiyoyin. Amma da rates da samuwar sabis na iya bambanta da yankin. "TCB" shirya wannan samfurin don oda, siffofin kawo daga Moscow for kwanaki 2-3. Idan abokin ciniki tana son jira, ya iya zuba jari cikin adadin 10 dubu. Rub. na tsawon watanni 3 zuwa 2 shekaru a karkashin 9-11,5% annum. A wasu kungiyoyin, da takardun shaida ake magana a kai a matsayin VIP-line, da kuma "ƙofa" a su ne sosai high. Saboda haka, a cikin "Iba-Moscow" ajiya adadin farawa daga 0.5 miliyan rubles, kuma a cikin "Bank of Moscow" - miliyan 3.5 rubles. Da kafa rassan a cikin babban birnin kasar za a iya zuba jari da kuma 200 da dubu. Rub.

iri

Akwai ma sirri takardun shaida. Sun dauke da bayani game da mai shi. Transfer na Central Bank ta wajen aiki - cession. A tsari ne aka yi nufi ga wannan na musamman filin a baya. Idan takardar shaidar da aka canjawa wuri sau da yawa, kuma daya daga cikin "sassa" da dama, da daftarin aiki ya zama ba daidai ba.

abũbuwan amfãni

Su ne quite mai yawa:

• high da ake samu.
• m kunshin takardun for rajista.
• Motsi: The samfurin za a iya cashed fita ko da sadaka a kowane lokaci.
• canja wuri da hakkin aka za'ayi da mere bayarwa na daga cikin tsari zuwa žangare na uku.
• Za ka iya a gabatar ga biyan bashin a wani birni daga cikin Rasha Federation.
• domin biyan bashin kamata tuntube sashen da fasfo da kuma takardar shaidar.
• za ka iya mai da ta kotu, a cikin taron na banki ta asarar hakkin to tsabar kudi.

fursunoni

Babban disadvantages of "tanadi takardar shaidar" Product na Savings Bank:

• Interest da hadarin shi ne sosai high. Wadannan Central Bank ba shiga a cikin ajiya da inshora tsarin. Wadanda percentages, wanda bankin zai biya DIA, ya kõma, zuwa ga abokin ciniki. Saboda haka, idan akwai fatarar da issuer ko soke dokar da lasisi mutane ba za su iya samun kudi tara daga irin wannan Securities.
• idan na asarar da Central Bank ne ba maras muhimmanci mutum na uku zai iya kawo shi zuwa ga biyan bashin da Savings Bank.
• takardun shaida (percentages aka lasafta ta mai sauki dabara) ba su samar capitalization.
• Takarda da aka ba sãka a duk rassan da bashi ma'aikata.
• bisa farkon gabatar rate an rage wa 0.01% annum.
• mika da inganci na Central Bank iya ba.

wasu statistics

A watan Fabrairu 2015, matsakaicin talakawan kudi a kan takardun shaida da aka 13.28%. A cewar Babban Bankin, wannan nuna alama ga adibas kusa da maki to 13,85%. Wannan shi ne mafi girma fiye da talakawan rates a kan maras Central Bank (12.92%), amma kasa mai bãyar da takardun shaida (15.71%). A kalla kudi na wannan samfurin ya 18% ( "FiaBank") da kuma 16.5-17% (UBRD).

Inshora ne har yanzu yiwu

Tare da kara kyawawa na sabis miƙa DIA banki al'umma la'akari da zaɓi na bayar da takardun shaida ga Naira Miliyan Xari da miliyan 3 rubles. Credit cibiyoyin bukatar dogon lokacin da wajibobi. Sources na samuwar iya zama bokan. A cewar ACB, na karshe 5 shekaru Russia sun kashe a cikin Bank of 1.4 tiriliyan rubles. Abin da ya bi daga wannan ƙarshe? Idan muka yi la'akari da cewa talakawan tsawon yawa amounted zuwa shekaru 3, yiwuwar samun takardun shaida amfani da kafofin dogon lokacin da wajibobi ne sosai high.

summary

Tare da samuwa kudi, mutane za su iya juya baya su a cikin kudi kida. Alal misali, Savings Bank don en rai mai ɗaukar takardun shaida, da sha'awa a kan abin da ya fi a sauran adibas. kawai wani fasfo ake bukata domin ma'amala. Yanzu tsari ne mafi alhẽri a biya a karshen ajalinta, ko sha'awa kudi rage zuwa 0.01% annum, wanda yake shi ne musamman disadvantageous. A babban matakin riba ne saboda gaskiyar cewa biyan irin wannan da zuba jari ba su tabbacin da Deposit Insurance Agency. Saboda haka, banki biya abokin ciniki mafi girma lada.