Savings shahaadada Sberbank: danta. shahaadooyinka kii Sberbank

Mid ka mid ah meelaha ay suuragal tahay in ay maal lacagta dheeraadka ah - shahaadada kaydka. Tani waa ammaanka ah oo caddeynaya waajib ku ah bangi si aad u bixiso xaddi gaar ah oo qofka jirka ah. waxaa qurxin in hay'ad kasta oo credit. Ruush shahaadada kaydka Sberbank, dulsaarka on taas oo uu ka badan yahay inta kale ee ka qayb qaateen ururka, waa in baahida loo qabo in suuqa. Sida ugu 17.11.2014, in wareegga ah ee 26 kun. Foomamka la hantida guud ahaan si ay u 14.5 billion rubles. Tani waa sababo dhowr ah: ammaanka ee dalabka waxaa si deg deg ah lagu sameeyo, waxaa loo gudbin karaa dadka kale oo ay u sheegan bixinta ka hor jadwalka. From article waxaad ku baran doontaa in faahfaahin dheeraad ah xaaladaha ka yar taas oo shahaado la soo saaray iyo rafcaanka Savings Bangiga (xiiso, oo ballan qaaday in ay bixiyaan haysta ee hay'adda, Wakhtiga iyo qadarka lacag dhigaal ah sidoo kale waxaa loo tixgelin doonaa).

maal-gashiga

Dadka qaba lacag caddaan ah u tudhin, mar ka mid ah yaabban ku saabsan halka ay u maalgashadaan. Maalgelinta saamiyada u baahan aqoon gaar ah. birta qaaliga ah ma dakhli go'an. Si loo yareeyo halista, waxaa suurto gal ah in ay maal-alaabtii maaliyadeed ee hay'adda badan oo dadweynaha, taas oo ah Bank Savings ah:

• shahaadooyinka, danta kuwaas oo waxaa la bixiyaa at heerka ugu badnaan (10%);
• kayd in caymis kaalin nooc, laakiin keeni faa'iido badan ka yar.

Features shahaadada

Security of baahida loo qabo waxaa laga heli karaa oo keliya in rubles Ruush muddo ah 3 ilaa 36 bilood. Kordhisayna aysan u shaqeeyaan, aad leedahay si aad warqad caddeyneysa kale Sberbank. Dulsaarka waxaa loo xisaabiyaa caddadka ugu yar ee 10 kun. Xoq. heerka go'an. Number of securities, xilli ay dakhli iyo qiimaha magacaaban ee Maal ee go'aan ka gaari kara heerka gudahood kala duwan oo ku qeexan. macaamiisha ah wuxuu xaq u leeyahay waqti kasta gudbiyo furashada shahaado Savings Bank. Interest in kiiskan loo roggi doontaa at heerka of "on baahida".

Waxaa la iibin karaa, tegaayo a dardaaranka, hadiyad, isticmaalayaa rahmaad ama xisaabinta. Haddii aad u baahan tahay si degdeg ah u soo kabsadaan wadarta weyn oo lacag iyo waqti ay halkaas u ordaan bangiga, waxaad kaliya ku siin karaan shahaadada in dhinac saddexaad oo halkii ay lacag caddaan ah. Tan ugu muhiimsan, waqtiga ay ayaa ku dhamaaday. Tani waa faa'iido weyn ee noocan ah CB. Client dooran kartaa, waayo waxa lacagta waa in uu furo a deposit "shahaadada kaydka". Sberbank of Russia, xaaladaha qaarkood, tagaa si ay u buuxiyaan foomamka iyo dheecaanka dheeraadka ah ee ku xusan. CBA Tani waa aalad lagu kalsoonaan karo si loogu kaydsado qalabka, sida ay leedahay dhowr darajo ilaalinta. Waxaa ay mudantahay in la iibsado oo loogu talagalay dadka doonaya inay ku wareejin idiina weyn, laakiin ma doonayo in aan ku howlgalkan noqday cashuurta loo yaqaan. Taasi waa sababta Wasaaradda Maaliyadda soo jeedinayaa in aad tirtirto this qalab dhaqaale suuqa.

gadashada

kaliya baasaboor waxaa looga baahan yahay ka shaqeynta macaamil. In amniga waa in la buuxiyaa duurka oo dhan. la'aanta ah ee qoraalka ku saabsan mid ka mid ah faahfaahinta ka dhigaysa baadil dukumentiga:

• magacaabo "of Deposit Savings Bank Shahaadada";
• xiisaha ay u isticmaalaan kaalin;
• bixinta sababta;
• Taariikhda diiwaangelinta;
• size deposit (tiro iyo erayada);
• go'an tahay shuruud la'aan ah bangiga inuu ku soo laabto lacagta;
• taariikhda dalabka;
• cinwaanka saaraha ee;
• saxiixyada laba hay'adaha credit xirfadlayaasha, daabacaadda wana.

shahaadooyinka Sberbank Ruush, xiisaha, xaaladaha adeegga

On 24/12/2014, lacagta waxaa la siiyaa on securities kuwan:

Halkan waxaa ku qoran shuruudaha kaas oo aad u iibsan kartaa Savings Bank of Russia Savings Certificates. Dulsaarka waxaa la siiyaa at maturity. Waxaa ku dhawaaqay foomka in heerka ka ayaa lagu wadaa ka badan oo ku saabsan lacag dhigaal ah. Waxaa runtii waa. Certificate in lacagta 100 kun. Xoq., Taasoo la keeni doonaa maturity ee 367 maalmood, soo dejin doonaa dakhliga of 12.25% lacagta deebaajiga, ie. E. 12 557.53 rubles. Deposit "Save" ku hoos jira xaalad la mid ah la siiyaa dulsaarka waa 8.25%. Taasi waa faa'iido ah 8 647.12 rubles. Sidoo kale waa in la ogaadaa in dhalidda on securities ee caawimada ee 10-50 mareegtan. Xoq. ku dhowaad eber. Sidaas darteed waa faa'iido dheeraad ah si aad u iibsato mid ka mid ah ammaanka in ay lacagta ugu badan.

Haddii shahaadada kaydka Dhicis redeemable Sberbank, xiisaha la bixin doonaa 0.01% heerka sanadlaha ah. Bangiga Dhexe waxaa laga yaabaa in mar kasta lagu wareejiyo qof saddexaad. Inaan ku saxno in dukumentiyada uma baahna in. Laakiin hawlgalka this ayaa suuragal ah keliya ee muddada deebaajiga.

fursadaha kale

Waxa intaa dheer in Sberbank, shahaado Russia ayaa laga iibsan karaa in hay'adaha kale. Laakiin qiimaha iyo helitaanka adeegyada kala duwanaan karaan by Gobolka. "TCB" diyaarinaya alaabta this si aad u dalbato, foomamka soo bixiyey Moscow 2-3 maalmood. Haddii u macmiilku yahay diyaar u ah inay sugaan, ayuu maal kartaa cadadka 10 kun. Xoq. muddo 3 bilood ilaa 2 sano ka yar 9-11,5% sannadkii. In ururada qaar ka mid ah, shahaadooyinka loo yaqaan VIP-line, iyo "marinkii" iyaga at waa mid aad u sarreeya. Sayidka, ee "IBA-Moscow" lacagta deebaajiga bilaabo ka 0.5 milyan oo rubles, iyo in "Bank of Moscow" - 3.5 million rubles. Dhismaha laamaha ee caasimada ah ee lagu maal karo iyo 200 oo kun. xoq.

noocyada

Waxaa sidoo kale jira shahaadooyinka shakhsiyeed. Waxaa ku jira macluumaad ku saabsan qofka leh. Transfer of Bangiga Dhexe taasi oo ka hawl - cession. Foomka waxaa loogu talagalay duurka ku gaarka ah on dhabarka. Haddii shahaadada loo wareejiyey dhowr jeer, oo mid ka mid ah "qaybo" dhaco, dokumentiga burayaa.

faa'iidooyinka

Waxay dad badan ilaa xad ah:

• wax-soosaarkooda sare,
• xirmo yar ee waraaqaha diiwaan gelinta,
• Dhaqdhaqaaqa: Shayga la sarifan karo ama ku deeqaan waqti kasta;
• wareejinta xuquuqda waxaa lagu fuliyaa by bixinta Diintooda foomka in dhinac saddexaad,
• Waxaad la soo bandhigi kartaa bixinta magaalada ka mid ah Ruushka,
• bixinta waa inay la xiriiraan waaxda baasaboor iyo shahaadada,
• aad ka soo kaban karaa maxkamadaha haddii ay dhacdo khasaare bangiga ee xuquuqda in ay lacag kaash ah.

khasaaraha

The darrada ugu weyn ee "shahaadada kaydka" Product of Bank Savings ah:

• Dulsaarka iyo halista waa mid aad u sarreeya. Bangiga Dhexe Kuwani ma ka qayb nidaamka caymiska dhigaalka. boqolkiiba kuwa, taas oo bangiga bixin lahaa DIA ah, oo wuxuu ku noqdaa macmiilka. Sidaa darteed, haddii ay dhacdo inuu kaco of saaraha ama kala noqosho ah ee shakhsiyaadka liisanka ma awoodi doonaan in ay helaan lacag ka securities sida ururtay;
• haddii khasaare Bankiga Dhexe ma aha qofka ku magacaaban saddexaad in ay lacag si Bank Savings u soo bandhigi karaan;
• shahaadooyinka (boqolkiiba waxaa lagu xisaabiyaa by formula fudud) ma bixiyaan xaraf,
• Paper aan la oofin at dhammaan laamaha hay'adda credit ah;
• dul heerka bandhigidda hore waa la dhimay si 0.01% sanadkii,
• kordhiyo ansaxnimada Bankiga Dhexe ma karo.

Qaar ka mid ah tirakoobka

Bishii Febraayo 2015, heerka ugu sareeya celceliska on shahaadooyinka ahayd 13.28%. Sida laga soo xigtay Bangiga Dhexe, isla tilmaame kayd u dhaw in ay sumaddii in 13,85%. Tani waa ka badan tahay heerka celceliska on Bangiga Dhexe magacaaban (12.92%), laakiin ka yar kii shahaadooyinka (15.71%). Heerka ugu badan ee wax soo saarka oo intaasu waxay ahayd 18% ( "FiaBank") iyo 16.5-17% (UBRD).

Caymiska weli suurtagal tahay

Iyadoo soo jiidashada sii kordhaya ee adeegga bixiyeen DIA bulshada bangiyada ka fiirsan xulashada bixinta shahaadooyinka lacag 3 milyan oo rubles. hay'adaha Credit u baahan tahay deymaha muddada dheer. Ilaha ay formation noqon kartaa shahaadada. Sida laga soo xigtay ACB, 5 sano ee u dambeeyey Russia ayaa maal Bank of 1.4 trillion rubles. Waa maxay soo socota ka soo gunaanaday this? Haddii aan ka fiirsan in muddo celceliska isbeddelkaas lacag dhan ilaa 3 sano, siday suuragal u ah ee shahaadooyinka loo isticmaalaa sida ilo of Deymaha muddada dheer waa mid aad u sarreeya.

oo kooban

Iyada oo lacag la heli karo, shaqsiyaadka iyaga beddeli karo in alaabtii dhaqaale. Tusaale ahaan, Bank Savings in ay soo saaraan shahaadooyin u siday, u xiiso on taas oo uu ka badan yahay in kayd kale. oo keliya baasaboorka waxaa loo baahan yahay xawilaada. foomka la joogo way ka sii wanaagsan in ay bixiyaan dhamaadka ay muddadiisa, ama dulsaarka hoos u 0,01% sannadkii, taas oo ah mid aad u khasaari. heerka sare ee faa'iidada waxaa sabab u ah xaqiiqada ah in bixinta maalgelinta sida lama hubo in ay Hay'adda Caymiska Deposit ah. Sidaa darteed, bangiga bixiya macaamiisha abaalgud sare.