maal Maanta ka hor inta deposit ah, si taxadar leh dooran bangiga, hubinta isku halaynta, bixinta dalabyada iyo xaaladaha wanaagsan dareenka. Just laba sano ka hor, doorashada noocan oo kale ah aan la siiyay, iyo dhammaan muwaadiniinta lahaa lacag la heli karo, oo ay lacag ku kalsoon tahay inuu Sberbank. Dadka sannado iska dhigeen lacag baahiyaha kala duwan, qof doonayay in uu lacag kor wax ma diidi jir ah, qof furay xisaabta la magaca carruurta ama ayeeyo, qaar ka mid ah doonayaan in ay gurigaaga ama baabuur badbaadiyo. Wax kasta oo ay ahayd, laakiin sanadkii 1991, oo dhan rajo ciyareedka soo dumaya. Labaatankii sano ee u ururay lacag qiimo tirtay in ay boqolaal jeer.
Laga soo bilaabo gobolka ma noqon doono cadaalad qoomkiisii ay qaddar ka tago, sidaa darteed waxay leedahay magdhowga ee kayd fuliyay sanadkii 1996. True, macluumaad ku saabsan in degdeg ma u siidayso, aad u yar ogaato oo ku saabsan lacagta, iyo tirin karin bankiga lacag ku dhashay ka hor 1916 ah. Laakiinse haatan xeerarka ku beddeleen, oo magdhow lacag dhigaal ah ayaa diyaar u ah dhamaan muwaadiniinta u dhashay ka hor 1991.
Qaadashada akoonka sicir bararka, dowladda diyaariyey nidaamka lacag bixinta soo socda. Iyada oo ku xidhan da'da aad lacagta ku darsaday Soviet loo laablaabi by laba ama saddex jeer. Sidaas daraaddeed, waayo, kuwii ku dhashay ka hor 1945, wuxuu bixiyaa magdhow ka mid ah saddex jeer xaddiga dhigaalka 1991, kuwii ku dhashay inta u dhaxaysa 1946 iyo 1991, wuxuu heli doonaa magdhow ee size labanlaab.
Xitaa haddii lacagta ayaa durba la sameeyey, Maal wuxuu xaq u leedahay inaad codsato u xisaabin a. tabarruca uu hore loo laablaabi by laba ama saddex. Of lacagta waa in laga jaro hore u heshay magdhow, iyo dheelitirka la soo saari doonaa in codsaduhu. Waxaas oo dhan waa ansax haddii qayb ka ansax, haddii ay ayaa la xiray, wadarta tarmaan qodobo hoos u. Wehliyaha waxay ku xiran tahay qayb qaateen markii la xidhay ka badan ka dib waxaa loo dhigay, sare ee miraheeda. In the case of dhow deposit ee 1991, magdhow kayd bixisay ma aha celinayn.
Maanta, magdhowga waxaa la siiyaa lacag dhigaal ah in milkiilayaasha ay, iyo sidoo kale la dhaxlay. In kiiska ugu horreeya ee aad u baahan tahay inaad la xiriirto waaxda Sberbank naftooda la bankbook iyo baasaboorka. Haddii qorniinkii waxaa loo badiyay, waxaad u baahan tahay bangiga in ay qoraan qoraal ah. Haddii aad lacagta ayaa ku dhintay, magdhow on kayd uu dhaxalka lahaa. Xaaladdan oo kale, waa in aad leedahay passbook, baasaboor, document rumayn a dhalashada Ruush ah lacagta iyo shahaadada dhaxalka.
ka Russia reebo, bixinta deebaajiga dhacaan dalalka kale, ka hor inta hore ee Jamhuuriyadda Soviet. Sida dhaqsaha badan jawaab Lithuania. About 80% ee soo baxa ka gaar qabsadeen bixinta lacagta laga badiyay. In arrintan Kazakhstan go'aansadeen in ay soo saaraan bonds. Waxay si buuxda loo abaalgudi doonaa dadka hawlgabka ah in 5 ama 10 sano, iyo muwaadiniinta line-upkii - 15 - 20 sano. Armenia ayaa qorshaynaysa in ay si buuxda u magdhabo khasaarihii ee bankiga in 2015. First of dhan, lacagaha loo sameeyay in Masaakiinta iyo dadka hawlgabka ah. Azerbaijan Yaboohay si ay u xaliyaan dhibaatada muddo 10 sano ah. In Belarus iyo Moldova ayaa sidoo kale loo arkaa suurtagalnimada of magdhow, laakiin ay sabab u la'aan bixinta shiidaa wax lacag ah.