Amene ngongole ndi yopindulitsa kwambiri: ndemanga za eni, ndipo mbali chidwi

Chaka chilichonse ngongole pakati pa Russia kukhala wotchuka kwambiri. Ichi ndi chifukwa zifukwa zingapo, koma ndicho kulemba ndalama anthu ndi kuwongolera zikhalidwe za mabanki. Chifukwa cha lalikulu obwereketsa mpikisano akubwera ndi zatsopano khadi. Komabe ambiri funso n'lakuti, Kodi khadi kwambiri ngongole. Muyezo wa yopindulitsa kwambiri Adzaperekedwa nkhaniyi. Pamaziko a izo, inu mukhoza kusankha chinthu abwino.

Zizindikiro za makadi otsika

Amene ngongole khadi ndi yopindulitsa kwambiri? Reviews akusonyeza kuti m'pofunika kuganizira zizindikiro zochepa kudziwa zoyenera banki mankhwala. Njirazi ndi monga:

1. chaka chautumiki. Ichi ndi chizindikiro chachikulu kuiganizila posankha mankhwala ngongole. Ambiri a iwo ndi utumiki analipira, koma zinthu kungakhale kothandiza. khadi ayenera kusankhidwa ngati zikhalidwe ali kulipira dipo.
2. Cashback. makhadi ambiri Mbali imeneyi, koma kukula kwake ndi zinthu zikhoza kukhala zosiyana.
3. Grace nthawi. Ndi zofunika kuti akhale ngati n'zotheka. Zimenezi zimathandiza kuti ntchito ndalama ndi kubwerera iwo popanda chiwongoladzanja.
4. Commission. More kopindulitsa kusankha khadi ndi palibe ntchito ndalama kapena ndi kochepa.
5. Amalipiritsa misonkhano zina. Kawirikawiri mabanki amapereka ntchito SMS Kuwafotokozera, ntchito makadi recharge, anasamutsidwa. Services akhoza kukhala omasuka ndipo analipira.

Ndi pamaziko a muyezo awa ndi anafufuza ngongole khadi ndi yopindulitsa kwambiri. Reviews amati ndikofunikira kufufuza zinthu a mabanki angapo inu musanakafike ngongole. Iwo m'pofunika kulankhula ndi mabungwe otchuka. Kodi kopindulitsa kwambiri ngongole? Ife kusankha pa maziko a mlingo wa.

Number 1 - "Tinkoff Bank"

Ngongole Bank wa yopindulitsa kwambiri? Reviews amasonyeza kuti ndi mankhwala a "Tinkoff Bank". Kuyitanitsa izo, inu mukhoza kugwiritsa ntchito Intaneti. Palibe kufunika zikalata ntchito. Poyerekeza ndi mabanki ena, "Tinkoff" akutumiza mthenga pulasitiki, choncho, masiku 2-3 pambuyo ntchito, iye asakwatiwa kwenda kwanu.

Kuwonjezera mayiko, khadi kulembetsa ali benefiti. Iwo chikugwirizana bonasi pulogalamu "Bravo", imene mungalandire mabonasi kwa ogulidwa 30% pa zotsatsa zapadera. Lalikulu Intaneti kugula, Intaneti malo omwera ndi odyera. Pogula ina cashback ndi 1%.

Ngati makasitomala ali ndi ngongole ndi ngongole ku banki ina, yakubanki "Tinkoff" akhoza anasamutsa kwa izo. utumiki wotchedwa "Kusamala Choka". Pankhaniyi, ndi kasitomala amalandira 90 tsiku chisomo nthawi. Iwo likukhalira kuti miyezi 3 chidwi mlandu sadzatero.

Mlingo zingasiyane malingana ndi ntchito ndalama (kuchokera 32,9%) kapena kugula anapanga (by 24,9%). Malire wofanana Rubles 300 zikwi.. Mukhoza ngongole kudzera mabanki iliyonse. Kupeza ngongole sayenera thandizo ndi guarantors.

Number 2 - "Alfa-Bank"

Ichi ndi opindulitsa ngongole. Reviews amati "Alfa-Bank" amapereka zinthu zabwino. Makasitomala anapereka chisomo kwa masiku 100. Izi bungwe ndalama anakhala mmodzi wa woyamba kupanga mapulasitiki ndi nthawi chisomo cha masiku kuposa 55-60.

khadi n'kopindulitsa sing'anga kuti ndalama zambiri ndipo kutapa ndalama. Malire akhoza kufika Rubles 300 zikwi.. Mlingo akuyamba pa 24,9%, koma anatsimikiza payekha aliyense kasitomala. Ndalama zothandizira zimatengera mtundu wa khadi.

Number 3 - Kukhudza Bank

Nthawi zambiri ngongole nsonga limakupatsani kusankha mankhwala banki. Bank Kukhudza amadziwika achinyamata m'dziko lathu. branchless banki ntchito ya "OTP Bank" amapereka kwa khadi la ndi cashback wa ku 3%. Kasitomala ali ndi mwayi kusankha gulu, ndilo cashback apamwamba.

chidzankhalira oposa 1% aliyense kugula. banki nthawi zonse akuchita kanthu, umene kupeza mfundo mu mawonekedwe a ndalama weniweni, ngati inu kuchita zinthu zenizeni. Mwachitsanzo, amathera kapena kugwira ntchito zina. Service mudzakhala mfulu, ngati inu mwakhama ntchito khadi, ndi kusunga ndalama kubanki. Kuti kalembera wa pulasitiki ayenera kupempha malo ndipo dikirani chigamulo. Khadi amabwera masiku ochepa ndi mthenga.

Number 4 - "Post Bank"

Popeza Kutalika kwa nthawi chisomo, ngongole khadi ndi yopindulitsa kwambiri? Reviews zikusonyeza kuti mukhoza kukonza izo mu "Post Bank" chifukwa pali sanali chidwi kubala masiku 120. N'chifukwa chake amasankha anthu ambiri.

khadi ndi nyengo kugula pa intaneti. Ngati inu kugula chinachake pa intaneti kuchuluka kwa 7000 rubles, kuti zikugwirizana ndi ufulu "phukusi la ogula Intaneti." utumiki zikuphatikizapo chitetezo kugula.

Number 5 - "VTB Bank of Moscow"

Popeza woyang'anira utumiki, amene ngongole khadi ndi yopindulitsa kwambiri? Reviews borrowers kusonyeza kuti n'zotheka kuphunzitsa pulasitiki ku "VTB Bank of Moscow", chifukwa ndi ufulu kwa chaka choyamba. Makasitomala mukupemphedwa kutenga nawo mbali pa bonasi pulogalamu, zimene mungalandire kwa ogulidwa 10%.

Mlingo uli pakati 29,9%. Mozama ufulu nthawi masiku 50. Chikuonetseratu amatsatira kwa withdrawals ndalama. Malire wofanana Rubles 350 zikwi.. Cashback mpaka 3%. Makasitomala ndi mwayi wolandira kuchotsera kwa abwenzi.

Number 6 - "Kubadwa Kwatsopano Mawu"

Amene ngongole khadi kusankha ngati mukufuna kutumikira kopindulitsa? Malipiro si zajambulidwa "Kubadwa Kwatsopano Mawu". Makasitomala kukhala ziwalo za bonasi pulogalamu, zomwe zimathandiza kuti mupeze mfundo 10%.

Kuti apereke khadi akukwana kusiya pempho pa malo, ndiye inu mukhoza kuyembekezera chigamulo. Malire pa pulasitiki lidzakhala 150 zikwi. Rubles. Nthawi chisomo chomveka kwa masiku 55. Malire ndi zongowonjezwdwa pa alipire ngongole ya. Chiwerengero anatumizidwa wina kasitomala payekha.

Izi mabanki ndi chotchuka pakati pa anthu a m'dziko lathu. Tikufuna kuti powerenga mawu a issuance a khadi. A ndondomeko kulembetsa aliyense bungwe lotero.

Kodi chofunika n'chiyani kuti kulembetsa?

Kodi ngongole ndi zomwe banki kusankha, makasitomala aganiza okha. Adzakhala opindulitsa ufulu utumiki, pamene ena amalandira kuchotsera kwa abwenzi. Pajatu aliyense khadi ubwino yake.

Pakuti kukonza mankhwala banki, muyenera kudutsa magawo zotsatirazi:

• ntchito;
• kupereka pasipoti;
• zikalata zina, monga SNILS.

malire zakonzedwa ndi angongole. Iwo akhoza kufika mpaka 500 zikwi. Rubles, koma nthawi zambiri kuchuluka ukufika 150 zikwi. Rubles. Mlingo ali anasonyeza payekha.

peculiarities wa

Mmene popanda maumboni ndi guarantors. mabanki ambiri amayang'anitsitsa mbiri ngongole, ndipo popanda inshuwalansi. The chidwi ngongole kuchuluka lonse.

Nthawi zambiri mabanki apereke mwadzina pulasitiki, limene pali malire ndipo anapereka kuchuluka ena. mankhwala amenewa banki ndi wosindikiza makasitomala ndi latsopano. Kumumasula kwa masiku ochepa kuti mwezi umodzi.

kupanga Intaneti

obwereketsa amene amapereka ndalama zambiri kuti apereke makadi pa Intaneti. Muyenera woyang'anira nduna polemba deta awo. Online kasitomala angatanthauze obwereketsa angapo, ndipo pambuyo chiyanjo kunena mgwirizano ndi umodzi.

Kupanga pa Intaneti ali mbali:

• Kufunsa limapezeka pa Intaneti ndi foni;
• omasuka kapangidwe ntchito;
• kuganizira amatenga kwa mphindi 30, kenako woyendetsa adzaitana kumbuyo;
• Pulasitiki imafalikira ndi makalata kapena mthenga, koma mukhoza zimapita banki.

Maps anawerengedwa ndi kusowa. Yoyamba imatengedwa zabwino, chifukwa pulasitiki izi kutetezedwa.

ayamikira

Ngati mukufuna ulendo kunja, muyenera kusankha khadi kuti ntchito kumeneko. Inde, ena mabanki kuti ndigwire ntchito ya pulasitiki kunja. Ndipo nthawizina muli pasadakhale zindikirani kuchoka ku Russia.

Ngati mgwirizanowo uli sizinafotokozedwe chiwongola dzanja, simuyenera motsatira izo. Pankhaniyi, banki chingasinthe icho, ndi overpayment adzakhala wamkulu. Iwo m'pofunika kutsatira bungwe, amene kale anali kulimbana ndi khadi malipiro, kapena amachita pa izo. makasitomala zambiri anapereka mawu abwino kwambiri.

Ngati mukufuna osachepera zikalata, zinthu zoterozo ngongole zambiri si lipindulitsa pa kasitomala. Ungatithandizire mtengo mkulu, misonkhano analipira, inshuwalansi. Ngati ndalama ndi zofunika yochepa, m'pofunika kufufuza za kuthekera chiwombolo oyambirira, chifukwa adzapulumutsa chiwongoladzanja. Ndipo ena zotsatira mabanki prepayment mu ndalama. mitengo Wamkulu, chilango chachikulu zambiri ntchito kwa ngongole ndi issuance n'kamodzi.

Iwo m'pofunika kusankha makadi kupindula Mwachitsanzo, kupeza 10% ya kugula. Ngati inu kaŵirikaŵiri amayenda, izo m'pofunika kusankha pulogalamu ndi mabonasi chifukwa choulukira. Zimenezi zimathandiza kuti kuchotsera pa ulendo. Ndipo langwiro nthawi kugula kuchotsera.

Musanapite ngongole muyenera kuti ayanjane ndi mankhwala banki. Pa kusaina mgwirizano ayenera kukhazikitsa mfundo za malipiro a ntchito zina, mitengo. Usachite wabisa kuchenjeza malipiro utumiki kuti akufunika kuteteza ndi opulukira. Pa chiphaso cha makadi malipiro zifunike kuti m'masitolo Intaneti.

Kutapa ndalama kuchokera ATMs zifunike. zipangizo Muzisamala ayenera lipoti ku banki kapena apolisi. Pamene anachoka ndalama zofunika kulabadira kwambiri chitetezo, pofuna kupewa kusamvetsetsana ambiri.

Malipiro ngongole

Kubweza ngongole pa khadi akhoza kukhala mu njira iliyonse yabwino. Ndalama akhoza anasamutsa kudzera aliyense mabanki, kachitidwe malipiro, ATMs ndi malo. Kupereka ndalama otsatirawa, omwe sikudzakhala zosakwana anakhazikitsa osachepera pamwezi.

Kulanda ndalama zambiri amapezeka mu masiku 1-5, malingana ndi njira. Chiwombolo mofanana ndi ngongole ochiritsira. Amakhala wamkulu ndiponso chidwi. Ngati yake ngongoleyo, banki amapereka makasitomala awa zinthu zabwino kwambiri mautumiki awo.