Mari chitupa Sberbank: mubereko. Sberbank mutakuri certificate

Imwe munzvimbo zvichibvira kushandisa yemuraudzo mari - mari chitupa. Ichi chokumbofanobata certifying zvinosungirwa kubhangi kubhadhara imwe mari chaiyo munhu. Shongedza nayo chero chikwereti sangano. Russian Sberbank mari zvitupa, kufarirwa pamusoro riri kupfuura vamwe mupiro resangano, vari kudiwa mumusika. Sezvaakaita 17.11.2014, mu riparadzirwe 26 zviuru. Siyana pamwe zvachose zvinhu kusvika mabhiriyoni 14,5 rubles. Izvi zvikonzero zvinoverengeka: kuchengetedzwa kudiwa yakaitwa nokukurumidza, zvinogona kutapukira vamwe uye kuti vanoti muripo mberi purogiramu. Kubva ino uchadzidza muudzame mamiriro pasi iyo gwaro iri rakapa uye nyaya yacho mari Bank (mubereko, izvo anovimbisa kubhadhara anaro pakati tsika, nguva uye uwandu deposits kuchaitawo kunzi).

inivhesitimendi

Vanhu vane haringakupembedzi mari, pane imwe nguva mune kushamisika kuda mari papi. Bhizimisi mumigove kunoda chaiyo ruzivo. nesimbi Precious regai vaunze munhu wakaiswa mari. Yekuzvidzivirira, zvinokwanisika kuti mari iri nemari nhumbi guru revoruzhinji, inova mari Bank:

• zvitupa, kufarira izvo vanobhadharwa panguva kunonyanyisa mwero (10%);
• deposits vari insured nomupiro nomutsa, asi kuuyisa ndoda zvisingabatsiri.

chitupa Features

Wakachengeteka kudiwa inowanikwa chete rubles Russian kwenguva 3 kusvika 36 mwedzi. Wedzera zvikasashanda, unofanira kuti ape mumwe chitupa Sberbank. Kufarira rinowanikwa pamusoro shoma uwandu 10 zviuru. Kwiza nechekuzasi. panguva yakatarwa pamwero. Uwandu kuchengetedzeka, rokuti turnover dzavo uye aizviti kukosha investor anogona kuona mwero mukati yakati siyana. Mutengi anekodzero chero nguva pasi rudzikinuro mumari Bank chitupa. Kufarira iyi zvichaparadzwa mudzoke pa mwero "riri kudiwa".

Rinogona kutengeswa, kusiya zvinosiyiwa, chipo, aishandiswa rubatso kana kuti Masvomhu. Kana iwe achidisa kuti ndiporese mazakwatira emari uye nguva kumhanyira kubhangi ikoko, unogona chete kupa rugwaro kupati panzvimbo mari rechitatu. Chikurukuru, ayo ukoshi nguva haana rapera. Uyu mukana mukuru uyu mhando CB. Client anogona kusarudza, nokuti chii mari anofanira kuzarura rubatso "mari certificate". Sberbank kweRussia, mune zvimwe zviitiko, anoenda kunosangana uye nyaya siyana kupfuura zvaitaurwa. CBA Uyu yakavimbika chishandiswa nekuchengeta maturusi, sezvo ane madhigirii wandei yokudzivirira. It zviripo kutenga vanhu kuda kubvisa mazakwatira, asi hatidi pamusoro oparesheni ichi zvakazivikanwa mutero. Ndokusaka Bazi rezveMari proposes zvinomuomera kuikanganwa mudziyo uyu zvemari kubva kumusika.

tenga

chete pasipoti inodiwa processing vaibva. In chokumbofanobata dzichazadzwa dzose muminda. Kushaya rwezuva rimwe mashoko anoita gwaro sakosha:

• zita "raJehovha mari Bank Deposit Certificate";
• mubereko kushandiswa nomupiro;
• akadzika chikonzero;
• kunyoresa musi;
• dhipoziti saizi (kwenhamba mashoko);
• isiyo pakuzvipira kubhengi kudzorera mari;
• musi kudiwa;
• Issuer kwakaita kero;
• zvikamu zviviri zvikwereti masangano nyanzvi, stapled rokudhinda.

Russian Sberbank zvitupa, kufarira, mamiriro ebasa

On 24/12/2014, kuti muripo iri akaripa pamusoro kuchengetedzeka izvi:

Heano mashoko pamusoro paunogona kutenga nemari Bank of Russia mari Zvitupa. Kufarira iri akaripa panguva kukura. It akazivisa pamusoro chimiro kuti prices vari kuisa kupfuura pamusoro deposits. It chaizvoizvo. Chitupa mu uwandu 100 zviuru. Kwiza nechekuzasi., Dzakatemerwa vachaitwa kuti pakunamata mumazuva 367, achaunza kwemari pamusoro 12.25% of dhipoziti uwandu, kureva. E. 12 557.53 rubles. Deposit "Save" pasi chete ezvinhu akagovera chimbadzo ndiyo 8.25%. Iwoyo mubereko 8 647.12 rubles. Zvinofanira kucherechedzwa kuti zvibereko pamusoro kuchengetedzeka denominated muna 10-50 ths. Kwiza nechekuzasi. vanenge razero. Saka zviri nani kuti kutenga kuchengeteka mumwe vaifanira chitsama.

Kana akashaya kudzikinurwa mari chitupa Sberbank, kufarira chichange kuripirwa 0.01% zvazvingava wepagore. Central Bank anogona chero nguva kuti kune imwe pati rechitatu. Kuchigadzira ari magwaro hazvidi. Asi oparesheni zvinokwanisika chete nguva dhipoziti.

vamwe mikana

Kuwedzera Sberbank, chitupa Russia inogona kutengwa mune mamwe masangano. Asi rates Kuwanikwa mabasa hungasiyana maererano mudunhu. "TCB" anogadzira chigadzirwa ichi arayire, nezvimiro vakauya kubva Moscow kwamazuva 2-3. Kana munhu anoda kubetserwa achida kumirira, anogona kushandisa chitsama 10 zviuru. Kwiza nechekuzasi. kwenguva 3 months kusvika 2 years pasi 9-11,5% pa annum. Mune dzimwe masangano, kuti zvitupa anotaurwa so VIP-mutsetse, uye "chikumbaridzo" kwavari chaizvo. Saka, muna "IBA-Moscow" dhipoziti chitsama rinotanga kubva mamiriyoni 0.5 rubles, uye mu "Bank of Moscow" - mamiriyoni 3.5 rubles. Pokugadzwa mapazi guru kunogona paakapiwa uye 200 zviuru. Kwiza nechekuzasi.

mhando

Panewo pachako certificate. Ivo ane ruzivo pamusoro muridzi. Kuchinjwa ari Central Bank achishandisa basa - cession. The chimiro inhoroondo ya ichi munda chinokosha pamusoro musana. Kana gwaro iri Kutamiswa kakawanda, uye mumwe "zvikamu" akawa, gwaro kunova ndedzenhema.

zvakwakanakira

Vava zvizhinji:

• yakakwirira Goho;
• Minimum pasuru magwaro kuti vaverengwe;
• Mufambo: The chigadzirwa anogona cashed panze kana kupa chero nguva;
• kuchinjwa kodzero rinoitwa nokungonzwawo chokuendesa chimiro kupati wechitatu;
• Unogona kupiwa aripe chero guta Russian Federation;
• nokuti mubhadharo vanofanira kutaura dhipatimendi ane pasipoti uye gwaro;
• unogona kusimuka kuburikidza kumatare ari chiitiko kurasikirwa kodzero kuti mari kubhengi wacho.

nezvayakaipira

The chikuru zvazvakashatira "mari chitupa" Product of mari Bank:

• Kufarira uye ngozi chaizvo. Izvi Central Bank haabatanidzwi muna ari dhipoziti inishuwarenzi hurongwa. pauwandu hweavo avo, izvo pamahombekombe aizoripa LETSATSI, iye odzokera nemhosva. Naizvozvo, kana mumwe kusauka of issuer kana revocation pamusoro rezinesi vanhu havazokwanisi kuwana mari vaunganidza kubva kuchengetedzeka zvakadai;
• kana kurasikirwa of Central Bank haasi aizviti munhu wechitatu anogona kuuya nacho mari mumari Bank;
• zvitupa (pauwandu hweavo vari dzaona kunoitwa nyore inonyatsoita) regai kupa capitalization;
• Paper haina kubhadharwa pamapazi dzose nechikwereti tsika;
• pamusoro mangwanani mharidzo zvazvingava ipfupi kuti 0.01% chete annum;
• vawedzere kururama kwemashoko Central Bank asingagoni.

vamwe nhamba

Muna February 2015, kufadza avhareji mwero iri zvitupa akanga 13.28%. Maererano Central Bank, zvakafanana chakarurama kuti deposits pedyo chiratidzo 13,85%. Izvi kupfuura avhareji prices pamusoro chezita Central Bank (12.92%), asi zvishoma wenhumbi zvitupa (15.71%). The zvazvingava kunonyanyisa zvibereko izvi raiva 18% ( "FiaBank") uye 16.5-17% (UBRD).

Inishuwarenzi ichiri zvinogoneka

Nokuwedzera Kukwezva rokushumira vakabayira LETSATSI rwezvemabhengi munharaunda funga wokusarudza ichipa zvitupa kuti mubatanidzwa mamiriyoni 3 rubles. Credit Masangano vanoda refu munataisireva. Manyuko inotungamirwa kwavo kunogona kuva vaipupurirwa. Maererano ACB, okupedzisira 5 makore vokuRussia vave paakapiwa muna Bank of 1.4 tiririyoni rubles. Chii chinozotevera kubva mhedziso iyi? Kana tikafunga kuti avhareji nguva turnover akasvika 3 years, kuti ndingangokuvara zvitupa vakashandisa manyuko refu munataisireva chaizvo.

pfupiso

With mari iripo, vanhu vanogona kugadzirisa navo zviridzwa zvemari. Somuenzaniso, mumari Bank kuti ape mutakuri zvitupa, kufarirwa pamusoro riri kupfuura mune dzimwe deposits. chete pasipoti zvinodiwa kutengeserana. Present fomu nani kubhadhara pakupera kwayo rokuti, kana interest yakaderera kusvika 0.01% chete annum, riri zvikuru disadvantageous. Yakakwirira pamwero profitability imhaka yokuti kuripwa oupfumi vakadaro havasi inosimbiswa Deposit Insurance Agency. Naizvozvo, bhengi unoripa mutengi mubayiro kwirirei.