Kodi ntchito banki khadi "chimanga"? Bwanji Mng'oma ndi kuligonjetsa "Mbewu" ngongole?

A kufanizira wabwino wa ngongole ku banki pa nthawi kuyenda kunja atha kutumikira ngati ngongole. Ngati inu ngongoleyo nthawi, ndalama angagwiritsidwe ntchito mopanda malire nthawi. Poyamba, iwo anamasulidwa mabanki yekha. Today mu Russia, "Euroset" ndi "Mtumiki" kupereka apereke pulasitiki malipiro chida. Zambiri za zimene mapu "Mbewu" imene banki amuchita, adzaphunzilanso pa nkhani imeneyi.

kulembetsa

Purchase khadi akhoza mwa nthambi ya "Euroset", "Mtumiki" kapena pharmacies "Doctor Stoletov". Kuti kalembera ochepa okha pasipoti ndi ndalama. Kumbuyo uko mitundu iwiri ya makadi: muyezo ndi World. Woyamba ndalama 200 rubles, ndipo amalola kusonkhanitsa 1% ya zogula onse. World chikalata kwaulere, koma bwino mwamsanga kulembetsa rubles 3,000. ndi kuthera iwo. Eni makadi awa adzatha kusonkhanitsa 1.5% aliyense kugula. Kudzera zopezera pharmacies "Doctor Stoletov" zitha kukhala ndi khadi wamba.

Ndondomeko kulembetsa amatenga Mphindi 5. Pomwepo nditamaliza yake foni wosuta Mulungu ifika SMS ndi mawu code. Izo ziyenera kugwiritsidwa ntchito mafoni onse kuitana-pakati, kuphatikizapo Pin lapansi. khadi si mwadzina. Angathe kumwedwa kunja. Koma si lilibe kuti kuwerengetsera mu masitolo pawokha ndi mavuto. Choncho ndikofunikira Pre-dongosolo pulasitiki mwadzina.

Choyamba, makasitomala amapatsidwa khadi madebiti. Kale ndi mwana wangayu, mungagwiritse ntchito kwa malire ngongole. Aliyense wa 5 mabungwe ndalama Russia, zikhalidwe za utumiki mankhwala amenewa, ngati mapu, "Mbewu." Amene banki bwino, aliyense kasitomala Mzimuyo yake.

mabonasi

Ntchito khadi ngati makadi ena ngongole. Ndalama ikhoza kutapa ndalama kuchokera ATMs, kusamutsa nkhani zina, kulipira kugula si ndalama pa Internet ndi malo ogulitsira ritelo. Pakati mbali zina kudzera bonasi, wanchito: 1-1.5% ndalama okwana ndalama mtima mu mfundo zapadera. Iwo akhoza kugwiritsidwa ntchito kulipira katundu masitolo: 10 mabonasi = 1 ruble. Ziribe kanthu chimene banki akutumikira mapu "Mbewu", mfundo zitha kugwiritsidwa ntchito pa mfundo yomweyo imene iwo anapeza. Izi "Euroset", "Mtumiki", "mphambano", zopezera pharmacies "m'ma" komanso pochita TNK.

Mukapenda khadi bonasi "Mbewu" akutsimikiza kuti chiwembu si yabwino kwambiri. Osati makasitomala onse kugula mankhwala mwezi uliwonse foni m'masitolo. Akatswiri kulengeza ntchito mabonasi mu pharmacies kapena kuwapulumutsa kwa chaka chathunthu ndipo 2-3 kudzaza kwaulere.

ndalama kutengerapo

Chimodzi mwa zovuta za mtundu wa khadi ndi njira zochepa kuwonjezeredwa. Ndalama moyenera zitha kulembetsa munthu "Euronetwork" zipinda, maofesi "n'zothandiza" kapena TNK. Anthu akhoza kusamutsa ndalama kwa mzake kudzera "Akaunti Yanga". Apa n'zotheka wamanga khadi ena wosindikiza MasterCard, ndi kusamutsa ndalama yomweyo kwa iye. wotuluka Comission kutenga malo okha ndi malipiro pulasitiki ndi ndalama Bank "Tinkoff" zipangizo. Apa mmene kukongoletsa ndi kudzaza ngongole, "Mbewu."

Withdrawals

"Mbewu" - palibe mapu wamba. Kutapa ndalama popanda kutuma wina, muyenera kugwiritsa ntchito ya alipire ngongole mwa "Akaunti Yanga" menyu mu "New malipiro". Payenera mwachindunji chiwerengero cha ena madebiti khadi ndi MasterCard kale pa izo kusamutsa ndalama.

Terms of Financial Institutions

Madebiti khadi "chimanga" akhoza chokhudzana ngongole malire. Koma monga masitolo paokha sangathe kupereka ngongole kwa zolinga zimenezi ndi mabanki bwenzi ankagwira mabungwe microfinance. Tikambirana mwatsatanetsatane mikhalidwe awo. Ziribe kanthu chimene banki akutumikira mapu "Mbewu" amafuna 'makasitomala ndi kwenikweni ofanana:

• nzika ya la Russia;
• kupezeka kwa ntchito komanso ndalama okhazikika;
• wobwereka a zaka - kuchokera 21-25 kwa 57-64 zaka.
• chifukwa ngongole m'pofunika kupereka chikalata wachiwiri dzina.

"Home Mawu Bank" amapereka ogula mzere wa ngongole kwa miyezi 6 mpaka 36 kuti munthu pazipita zikwi 50. Opaka. pa mlingo wa 46,9% pa annum. Mu "Alfa-Bank" ngongole ya $ 40 chikwi. Opaka. akhoza kuwapeza pa 44% pa annum kwa chaka chimodzi. amalipiritsa Service ndi apamwamba kuposa pa makadi muyezo. Komanso, Bank mosamalitsa limafufuza zikalata ndipo sikuti amavomereza ntchito. Ngati kukana, ndi khadi nkhani akadali zofunika, n'zotheka ntchito kwa "MIGKREDIT". Mabungwe kupereka ngongole ya 20 chikwi. Opaka. kwa nthawi ya masabata 4-24, malinga chifukwa adzakhala kusinthidwa pa masabata 2. chiwembu Zimenezi n'zothandiza aliyense kasitomala. Makamaka pamene muona kuti chiwongola dzanja mabungwe amenewa mu nthawi 2 kuposa kubanki.

ntchito zina

"Tinkoff Bank" amapereka makasitomala ake zinthu zambiri zosangalatsa:

• chiwongola dzanja: kuchokera 28,9 kuti 36,9%;
• malire - 300 zikwi rbl..
• Grace nyengo - masiku 55 kuchokera tsiku kusiya woyamba;
• kukonza amalipiritsa - palibe amalipiritsa;
• cashing 1% ya ndalama, osachepera 100 rubles.
• zilango mu mwambo malipiro mochedwa: 0.2% kuchuluka kwa tsiku lililonse, kamodzi amalipiritsa - 590 pakani.
• osachepera pamwezi malipiro - 6% ya ngongole.

Amene banki atumikira "Mbewu" khadi pa zinthu ngati zimenezi? "Kubadwa Kwatsopano." Mawu malire ndi nthawi chisomo mu bungwe wofanana ndi m'mbuyomu. kusiyana lagona mu chiwongola dzanja (24-79,9%), ntchito kwa cashing (3-4%) ndi zilango apamwamba. Pakuti kuphwanya mfundo za malipiro makasitomala kulipira 20% ya ngongole thumba. The osachepera pamwezi malipiro pa mawu a pulogalamuyi ndi 5%, koma osachepera 600 rubles. Pakuti kulumikiza ntchito SMS-zidziwitso kwa chaka kulipira 750 rubles.

kutembenuka

Tiyenera kukambirana malipiro mu ndalama zakunja kwa katundu. Ziribe kanthu chimene banki akutumikira mapu "Mbewu", ndalama kutembenuka adzakhala kawiri mlingo wa Bank wa Central. The choyamba - tsiku la kugula. Nkhani adzakhala watsekedwa ndi kuchuluka kwa katundu 2%. Ndalama mu misonkhano ndalama zakunja si nthawi zonse ndalama debited pa nkhani za tsiku kugula. Nthawi zambiri, kutsimikiza banki lachilendo kumafuna masiku 2-3. Choncho, wachiwiri kutembenuka njira zidzachitika pa nthawi pantchito.

Mwachitsanzo

Munthu analipira katundu kuchuluka kwa $ 100. Izi mlingo tsiku anali 35 rubles. Chifukwa ali oletsedwa: 100 × 35% + 2 = 3570 rubles. Patapita maola 48, ndi matsimikizidwe a banki yachilendo. Chapakati mlingo banki tsiku limenelo ndi kale 35,1 rubles. Pa nkhani chidzankhalira: 35,1 × 100 = 3510 rubles. Kusiyana 60 pakani. Iwo Mudzabwezedwa kwa nkhaniyi. Malinga ndi zolinga zawo, ambiri ngongole ntchito, kuphatikizapo mapu "Mbewu." Amene banki kutumikira kasitomala, mu nkhani iyi zilibe kanthu. Ndondomeko debiting ndalama zofanana.

Chinthu chachiwiri: kaya ndalama zimene mtengo wa katundu, adzakhala debited pa nkhani pambuyo woyamba akatembenuka rubles mu madola kapena mumauro.

Pomaliza

Russia ndi mwayi kugula katundu pangongole, popanda kuyembekezera malipilo osati ndalama kwa nthawi yaitali. wapadera khadi "Mbewu" amaperekedwa kwa cholinga ichi. Amene banki kutumikira mu Russia? "Alfa-Bank", "Kubadwa Kwatsopano", "Tinkoff", "Home Mawu". Kasitomala angasankhe aliyense wa iwo. mankhwala angapo ubwino: akonzedwa ka zikalata, pempho akhoza chikalata online, amafuna osachepera kuti borrowers. Koma kutsimikiza mavuto awo, Bank anapereka ndalama apamwamba chidwi makadi ndi chilango kuphwanya mfundo za alipire ngongole.