Yuav ua li cas yog qhov zoo thiab qhov tsis zoo ntawm ib lub txhab ntawv pov thawj?

Thaum tus neeg muaj lub spare nyiaj ntsuab, lawv yuav cia lawv tsis tsuas kom muaj tab sis kuj yuav ua rau kom tus nqi muaj. Cia tham nrog koj txog dab tsi yog ib lub txhab ntawv pov thawj Sberbank thiab yuav ua li cas nws txawv ntawm lub deposit.

Yuav ua li cas yog?

Yog li, cov ntawv pov thawj yog muaj kev ruaj ntseg, ib tug txhim khu kev qha cov nyiaj txiag lub cuab yeej hauv thiaj li yuav cawm tau lawv cov nyiaj. Lawv lees cov nyiaj uas ib tug natural neeg yog coj mus account nyob rau hauv Sberbank, thiab muaj peev xwm kuj yuav noj tam sim ntawd los ntawm lawv cov nyiaj tom qab expiry ntawm ib tug tej lub sij hawm. Lub ntsiab sib txawv ntawm ib tug daim ntawv pov thawj ntawm deposit yog hais tias nws tsis tau kos rau muaj kev tus neeg, vim hais tias ntawm nws zoo tshaj plaws tuav. Nyob rau hauv xws li ib tug teeb meem no, nws yuav ua tau ib tug neeg muab, muag, purchase los yog hloov los ntawm succession tsis muaj tej yam teeb meem, thiab nws yog feem ntau siv raws li ib tug txhais tau tias ntawm kev them nyiaj.

Yuav ua li cas yog qhov zoo ntawm ib lub txhab ntawv pov thawj?

- ntau dua tus nqi nyiaj laum piv rau lwm yam deposits - 9,75 feem pua ib annum. Yog li, ib tug yeej yuav tau txais ib tug ntau dua cov nyiaj khwv tau los ntawm cov kev nqis peev uas;

- nyiaj bank txhab nyiaj khaws nyiaj daim ntawv pov thawj thiaj yuav cawm tau ib tug ntev lub sij hawm, thiab muaj nws rau kev them nqi, koj ua tau nyob rau txhua lub sij hawm tom qab lub expiry ntawm daim ntawv cog lus;

- muaj. Koj muaj peev xwm pub los yog muag nyob rau ntawm lub sij hawm twg thiab tau koj txhais tes nyob rau hauv tag nrho cov nqi;

- Cov ntaub ntawv pov thawj yuav tsum cashed los ntawm leej twg, yog li tsis txhob yuav tsum tau sau npe ntawm lub hwj chim ntawm kws lij choj los yog tus kheej-kov mus rau lub bank, tab sis nws yog tsim nyog yuav tsum tau ceev faj thiab saib hais tias cov ntaub ntawv pov thawj tsis yog nyob rau hauv lub ob txhais tes ntawm fraudsters;

- bank txhab nyiaj khaws nyiaj daim ntawv pov thawj muaj tib lub tiv thaiv raws li cov sij hawm thaum sau ntawv, yog li ntawd koj yuav tsis txhob ntshai mus kom lawv cov nyiaj nyob rau hauv no txoj kev;

- lub siab tshaj plaws nqi zoo tsis muaj kev txwv raws li kev nyab xeeb muag thaum ib tug me me nqi ntawm mus txog yim lab.

Yuav ua li cas yog cov tsis zoo yog tam sim no nyob rau hauv ib lub txhab ntawv pov thawj?

- Qhov tsawg kawg nkaus purchase nqi yog kaum txhiab rubles. Ntawv yuav tsum tau muas ntxiv, thiab ib nrab kev tshem tawm yog hais tias xam pom. Yog hais tias koj xav tau, koj muaj peev xwm rov qab mus rau tag nrho cov nqi ua ntej mus rau lub sijhawm, tab sis tsis muaj kev txaus siab. Tab sis, nrog rau kev xav txog deposits, lub Savings Bank muab thaum ntxov kaw ntawm deposit nrog ib tug floating paj ntawm rau lub hlis ntawm hnub tim uas expiry ntawm daim ntawv cog lus xaus.

- savings daim ntawv pov thawj yuav tsis txuas hnub nyoog, tsis zoo li deposits, siv dua lub tej yam kev mob ntawm cov kev nyab xeeb tsuas yog tom qab daim ntawv yuav tau kiag li cashed. Tom qab ntawd, tus neeg yuav tsum yuav ib tug daim ntawv pov thawj dua.

- Qhov thib peb drawback, thiab heev tseem ceeb, yog hais tias lub savings daim ntawv pov thawj npe tsis pov hwm nyob rau hauv lub DIA system. Uas yog, nyob rau hauv cov kev tshwm sim ntawm kev quab yuam majeure, piv txwv li, cov ntaub ntawv bankruptcy ntawm lub tsev txhab nyiaj, tus tswv tsev yuav tsis them puas tsuaj, yam tsawg kawg, nyob rau hauv kev txiav txim ntawm ua ntej.

- Muab xam los thiab kev them nyiaj ntawm cov nyiaj tau los ntawm cov ntawv pov thawj tsuas yog nyob rau hauv lub kawg ntawm daim ntawv cog lus, thaum deposit nyiaj khwv tau los kis txhua lub hlis, raws li zoo raws li cov nyiaj yuav muab tso rau hauv ntau dua dej siab cov ntsiab lus uas, uas yog, nrog rau cov kev pab los ntawm qhov kev hloov los ntawm ib tug kev pab cuam mus rau lwm lub.

- daim ntawv pov thawj uas hnov yuav siv tau kom tau nyiaj rau ib tug neeg twg, nrog rau cov fraudster. Thiab los lawv txoj cai yog tau tsuas yog nrog kev pab los ntawm lub tsev hais plaub. Ua ntej koj yuav nqis peev pab koj nyiaj nyob rau hauv ib lub txhab ntawv pov thawj, nws yog tsim nyog los luj thiab muab piv rau tag nrho cov qhov zoo thiab qhov tsis zoo, vim hais tias, tej zaum, nws yog tsis nqi nws.