Home Credit Bank depozittik sertifikat ieleri úshin tiimdi aktsiia bastady
1 qarasha men 31 jeltoqsan aralyǵynda Home Credit Bank banktik depozit sertifikatyn (BDS) satyp alatyn klientter úshin aktsiia ótkizedi. Qarjy uiymyndaǵy mamandar osy ónimniń erekshelikteri men aktsiia sharttaryn tolyq túsindirip berdi.
Depozittik sertifikat VS depozit
Ataýynda «depozit» degen sóz bolǵanymen, banktik depozittik sertifikat depozit bolyp tabylmaidy. Bul bank shyǵaratyn ataýly, emissiialyq emes baǵaly qaǵaz. Onyń belgili bir ainalym merzimi bar jáne iesine merzimniń sońynda nominaldy qunyn, sondai-aq shartqa sáikes syiaqy alýǵa quqyq beredi.
BDS-tyń depozitten negizgi aiyrmashylyǵy – ony merziminen buryn sheship ala almaisyz jáne aqsha toltyra almaisyz. Mysaly, bank salymdarynyń jekelegen túrleri boiynsha klientter qosymsha somalardy salýǵa, sondai-aq kelisimniń merzimi aiaqtalǵanǵa deiin aqshany ishinara alýǵa quqyly. Iaǵni kóptegen klientter úshin bul yńǵaily jáne tanys format. Biraq BDS-tyń basqa artyqshylyqtary bar.
Birinshiden, Home Credit Bank mamandary túsindirgendei, depozittik sertifikatpen aqsha jaqsy únemdeledi. Sebebi, aqshany jyrymdap ala almaisyz. Tipti, «Standartty» BDS boiynsha kelisim-shart erte buzylsa, syiaqy 0% stavkasymen eseptelinedi. Al aqsha ótinish bergen kúnnen bastap 31 kúntizbelik kún ishinde qaitarylady.
Ekinshiden, bul ónimniń paiyzdyq mólsherlemesi joǵary. Sol sebepti, aqshany teńgemen saqtaý tiimdi. «Standartty» depozittik sertifikat úshin bank 17,5%, al «Ikemdi» sertifikat úshin 16,5% syiaqy belgiledi.
Úshinshiden, syiaqy BDS ustaýshynyń shotyna tikelei aýdarylady. Iaǵni, aǵymdaǵy shyǵyndar úshin qolma-qol aqshanyń bolýy óte yńǵaily. Syiaqy qansha bolýy múmkin ekenin túsindirý úshin bank mynadai esep-qisap júrgizdi: eger siz 10 million teńgege depozittik sertifikat satyp alsańyz, onda bank ai saiyn shotyńyzǵa 133 698 teńge (bir aidaǵy kúnder sanyna bailanysty) eseptep otyrady.
Nege nazar aýdarý kerek
Home Credit Bank nazar aýdaratyn mańyzdy jait bar. Depozittik sertifikatqa Qazaqstannyń depozitterge kepildik berý qory (KDIF) kepildik bermeidi. Sebebi, ol depozit emes. «Biraq bul joǵary syiaqy úshin sizdiń tóleitin baǵańyz», - dep túsindiredi bank.
Qazaqstannyń depozitterge kepildik berý qorynyń (KDIF) qarasha aiyna arnalǵan usynymdaryna sáikes 17,5% mólsherleme syiaqyny tek tolyqtyrý múmkindiginsiz úsh jáne alty aiǵa ashylǵan jinaq salymdary ǵana tólei alýy múmkin. Al 16,5% syiaqyny - úsh jáne alty aiǵa tolyqtyrý múmkindiginsiz ashylatyn merzimdi depozitter usynady.
BDS pen depozit arasynda basqa da aiyrmashylyqtar bar. Depozitter boiynsha ai saiynǵy kapitalizatsiia júrip tura alady. Al BDS syiaqyny kapitaldandyrmaidy. Syiaqy depozittik sertifikatty satyp alǵan kúnnen bastap ai saiyn klienttiń aǵymdaǵy shotyna túsip otyrady. Jáne klient bul somany erkin paidalana alady. Keibir depozitter úshin sharttar men merzimdi avtomatty uzartý qarastyrylǵan. BDS-te ondai joq. Sonymen birge, Home Credit Bank depozitterine aqshany teńgemen de, shetel valiýtasymen de ornalastyrýǵa bolady. Al BDS tek teńgemen jumys isteidi.
Aktsiia sharttary
Home Credit Bank 2018 jyldan beri banktik depozittik sertifikattardy satýmen ainalysady. Bank mamandary túsindirgendei, bul ónim eń aldymen qarjylyq saýaty bar, ortasha nemese joǵary tabysy bar, ekonomikalyq belsendi orta jastaǵy adamdarǵa qyzyq. Ónimniń ortasha chegi 6-7 million teńgeni quraidy.
[perfectpullquote align="full" bordertop="false" cite="" link="" color="" class="" size=""] Bank 1-shi qarashada osy aktsiiany bastady. Endi «Standartty» banktik depozit sertifikatyn satyp alǵan klientter kepildik berilgen mynadai syilyqqa ie bolady:
- 9 000 000 teńgeden 14 999 000 teńgege alynǵan BDS-qa – Samsung smartfony;
- 15 000 000 teńgeden astam somada alynǵan BDS úshin - Lenovo nemese HP noýtbýgy.
[/perfectpullquote]
Aktsiiaǵa jeke tulǵalar – Qazaqstan azamattary jáne azamattyǵy joq tulǵalar qatysa alady. Banktik depozit sertifikatyn bank bólimshelerinde de, mobildi qosymshada da ashýǵa bolady. Aktsiia 2022 jyldyń 31 jeltoqsanyn qosa alǵanda eki ai ishinde júredi. Aktsiia «Standartty» banktik depozit sertifikatyn qamtidy.
Sertifikat syiaqysy - 17,5%, merzimi - 12 ai.
