Imali, Credits
Clearance. Credit Card ngaphandle inkonzo yonyaka
amakhadi Credit zibe isixhobo kakhulu ezisebenzisekayo zokusetyenziswa kwemali. Bona zithathwa ukuba uhlobo mboleko ukuba kulula ukufumana kwaye lula ukunika. Nangona ukhetho ebanzi, ikhadi kakhulu zithandwa lokuthenga ngetyala kungekho inkonzo yonyaka, nto leyo eza kuxutyushwa kamva kweli nqaku.
The main eziluncedo
Ukuzama ukugcina abathengi abanyanisekileyo nokutsala ezintsha, iibhanki abaninzi nokuphuhlisa iimeko ezintsha inkonzo credit cards. Uncedo zibalulekileyo kule meko ixesha umdla-free nokusetyenziswa kweemali. Yonke imizi egcina imali, oko ezahlukeneyo, kodwa oku kwenzeke kwenzeke ukuba lowo ubolekayo ixesha lokucinga malunga neengxaki zemali.
Ikhadi credit kungekho nkonzo imali yonyaka iye ibaluleka, nangona kule mvumelwano kwe ibhanki ukuya umxhasi kufuneka silumke kakhulu.
Okokuqala, ku ikhadi enjalo kuba izinga eliphezulu umdla ngaphaya ixesha umdla-free. Okwesibini, inkonzo free zinokuhlala nje kulo nyaka wokuqala emva kokufumana ikhadi. Okwesithathu, kusenokuba ipesenti ephezulu zokurhoxa yemali, ukuguquka, njalo-njalo. D.
iimpawu
Credit Card ngaphandle inkonzo yonyaka, ngokungafaniyo nabanye, ukuze abe sethi isezantsi iinketho. Ngamanye amazwi, akunikwe baziqhelanise ebhankini. Kungenzeka, emva kokuba ixesha le mephu iya kuguqulelwa kwi inkonzo yonyaka enoluhlu ezininzi abangazikhetha.
Imephu ngaphandle nkonzo rhoqo iphulo kweentegiso ebhankini ukutsala abathengi abatsha, ngoko ke kuyanceda ukuqonda ukuba usebenzisa njani kusilungele:
- Ubukhulu avareji ye-credit wenkonzo yonyaka isusela ku-750 engange. ukuya ku-3000 engange., kuxhomekeke kudidi lwe ikhadi kwaye iqela leenketho, ngoko ke zebhanki phambi kokuba nokubhaliswa kwesivumelwano kuyimfuneko iklayenti ukuqonda ngokwam, nokuba ikhadi isetyenziswa rhoqo okanye a Cwangcisa Ukusebenzisa kuba mini ngemvula.
- Ukuba ikhadi iza kusetyenziswa rhoqo, ngakumbi ukuthenga ikheshi aphesheya, kufuneka sinikele ingqalelo ubungakanani ukuguquka. Ngapha koko, ukuba ikhadi ukhululekile yesondlo, kungenzeka, ibhanki iya umdla isibhakabhaka-eliphezulu olu khetho, ngoko ke intsingiselo nkonzo simahla inyamalala. iklayenti Bank uya kulahlekelwa yimali kwelinye imicimbi ikhadi.
- Abaxumi, ngubani njalo sisebenzela kunye amakhadi, ikhredithi khadi ingakhutshwa ngaphandle inkonzo yonyaka iintlobo zonke zezinto ezingakhetha (ngokuqhelekileyo "igolide" ikhadi kubathengi bakhetha).
ukubhalisa
Fumana ikhadi lamatyala kungekho intlawulo yonyaka banokuba ubuso nobuso iziko zemali okanye ngokusebenzisa le website esemthethweni ebhankini, eshiya ifomu yesicelo kwi-intanethi. kuphela ipaspoti efunekayo zobhaliso, kodwa kulo mzekelo, yaye umda imali iya kuba lincinane.
Ukuba unqwenela ukufumana isixa esikhulu, kufuneka ube ukulungele ukunika iphakheji epheleleyo yamaxwebhu:
- passport Russian;
- ifomu ulwazi NGOBUCHULE 2, ubungqina bengeniso;
- ubungqina olongezelelweyo ungubani;
- ikopi yale ncwadi yomsebenzi;
- namanye amaxwebhu olucelwe yibhanki.
Ukuba umntu ikhadi lomvuzo ibhanki ethile, isicelo ikhadi lamatyala ukwenza ngcono apho. Kukho ukhetho, kwaye ukuba izinga lenzala kulo mzekelo kuya kuba ngaphantsi, kunye nokugcinwa yonyaka iya kuba ndingekho.
ekunika yeebhanki
Makhe sihlolisise ezinye izicelo kusuka kwiindonga ezahlukeneyo, nto leyo ikhadi lamatyala ingakhutshwa ngaphandle inkonzo yonyaka.
Igama lebhanki | iimeko ezisisiseko |
"VTB 24" |
|
"Bank of eMoscow" |
|
"Renaissance Credit" |
|
"PSB" |
|
"Bank Agricultural" |
|
Kakade ke, zikho nezinye izicelo ezisuka kwamanye amaziko zemali. Kuyo nayiphi na imeko, ubolekayo nganye kufuneka ukuba akhethe iimeko ezizezona ezifanelekileyo kuye.
Ukunikelwa evela Sberbank
Sberbank credit card kunye akukho inkonzo yonyaka ngengondo kubaxumi rhoqo, abasele debit khadi okanye payroll abaxhasi. Kuzo zombini ezi meko, kuba ikhadi pre-evunyiweyo yodwa kunye mda-mali ngamnye.
"IKhadi Gold".
inkonzo | tariffing |
wenkonzo waminyaka |
|
umyinge wenzala% |
|
Umda kwi kunikezelo cash ngosuku | 100 000 - 300 000 engange. |
Phantse ezineempawu ezifanayo kunye nemephu "Nika Ubomi". umahluko Small e kokuxhuzulwa kunye zithintelo kunikezelo imali ngosuku.
inkonzo | tariffing |
wenkonzo waminyaka |
|
umyinge wenzala% |
|
Umda kwi kunikezelo cash ngosuku | 50 000 - 300 000 engange. (Ngokuxhomekeka kuhlobo ikhadi kwaye ingaba iklayenti osisigxina). |
Sberbank, ngokuba inxalenye yayo uyalela ukuya kwi-50% of ngeendleko wenkonzo yesisa.
Imephu "Classic".
inkonzo | tariffing |
wenkonzo waminyaka |
|
umyinge wenzala% |
|
Umda kwi kunikezelo cash ngosuku | 50 000 - 150 000 engange. |
Inzala i imephu "Aeroflot". Ngokuxhomekeka kuhlobo yayo, umthengi ifumana emva kwentlawulo ukuthenga zabo zonke engange-50 500 ukuya ku-1000 'neekhilomitha ".
inkonzo | tariffing |
wenkonzo waminyaka | Ukususela engange 900. ukuya ku-3500 engange. |
umyinge wenzala% |
|
Umda kwi kunikezelo cash ngosuku | 50 000 - 300 000 engange. (Ngokuxhomekeka kuhlobo ikhadi kwaye ingaba iklayenti osisigxina). |
Imephu "Momentum" libhekisela uhlobo eyahlukileyo. ukusetyenziswa kwayo uneemeko ezithile.
inkonzo | tariffing |
wenkonzo waminyaka | free |
umyinge wenzala% | 18.9 |
Umda kwi kunikezelo cash ngosuku | 50 000 - 150 000 engange. |
imigomo |
|
umdla kunye nemephu "Youth" na. It linokunikezelwa abafundi abangenazo imali ngokusisigxina.
inkonzo | tariffing |
wenkonzo waminyaka | 750 engange. |
umyinge wenzala% | 33,9. |
Umda kwi kunikezelo cash ngosuku | 50 000 - 150 000 engange. |
yemali
ikhadi lamatyala eyenzelwe ukugcina intlawulo non-cash. Xa umboleki ufuna ukurhoxisa imali, ufanele akulungele ukuba ahlawule intlawulo ye-3% ukuya-7%, kwakunye kuphulukana ixesha umdla-free. Ukusetyenziswa kwemali zisuswe ngecredit card, lugcwele ngokugqithisileyo enkulu kunye amthume ngaphezulu.
Kukho iibhanki ezifundisa yemali kunye amakhadi ngetyala. Kodwa le nkonzo ifumaneka ngokwandayo kubathengi ilungelo, abathathi lweeprojekthi kwemivuzo kunye nabaqeshwa ebhankini ezifundisa esi khetho.
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