Njani ibhanki ikhadi ngetyala?

Ibanki ezininzi zinika abathengi credit cards zokuzoba. Kodwa ngaphambi kokuba uwasebenzise, kufuneka uqonde yindlela elungiselelwe phantsi kweemeko ntoni. Ukuba uyazi ukuba ukusebenza ngendlela ikhadi lamatyala, kuya kuba lula kakhulu ukuqonda zonke nezo imveliso zemali.

definition

ikhadi lamatyala - imveliso bank eyenziwa ngabantu kwiziko lemali. Kuyo ungakwazi ukuthatha ngetyala ngenxa isixa esithile nexesha. Le nkonzo ifana-mboleko umboleki eqhelekileyo, kodwa usenalo iiyantlukwano zalo. njani ikhadi lebhanki letyala, unako ukufunda imigaqo, iimfuno, imigaqo.

iimeko

Oku ebekwe yi yibhanki. iziko ngalinye inikeza yawo. Kwafa ke inenzuzo abantu, kodwa ethile - akukho. njani ikhadi lamatyala kwiibhanki kakhulu? Yena kwangokunjalo ukuba izinga, ixesha elilinganiselweyo kunye nemali. Kwezinye kukho ixesha ubabalo.

I-avareji beebhanki Russian na kuluhlu 24-35%. Akusoloko ipesenti esezantsi uthetha inzuzo njengoko imali eyongeziweyo ukuze kuthathwe inshorensi. ixesha loan ngokuqhelekileyo iminyaka 3-5.

Iimfuneko ababoleka imali

Ukuze ufumane ikhadi lebhanki letyala, umthengi kufuneka ihlangabezane neemfuno ezithile:

• ngabemi kwe Russian Federation;
• ubudala - ukusuka-18 ukuya kwengama-70;
• imbali credit elungileyo.

Ezi mfuno ezisisiseko. Ezinye iinkqubo kufuneka angenise ingxelo yengeniso. Ngokuqhelekileyo, mboleko zikhutshwa ngaphandle guarantors kunye mali.

indawo yolwamkelo

Ingaba ikhadi lamatyala in imibuzo ukufumana njani? Iibhanki kulinika iindlela ezahlukeneyo. Amaxesha amaninzi iplastiki ngaphandle yibhanki ukutyelelwa. Amaxesha amaninzi, uthunyelwa ngeposi xa umthengi sele usebenzise iinkonzo kwiziko zemali.

Kukho iibhanki, leyo bamnikele amakhadi ukuya endlwini yekhuriya, kodwa iinkonzo ngokuqhelekileyo ezinjalo zisebenza kuphela kwizixeko ezikhulu. Kuba kufuneka ukuba isicelo kwi-ofisi, okanye kwi-intanethi. Ngamanye amaxesha ukhetho delivery lula.

imiqulu

La maxwebhu alandelayo kufuneka kuxhomekeke elunxwemeni:

1. Passport.
2. Yabahambi.

Ngamanye amaxesha ufuna ubukho izibambiso ezongeziweyo, umzekelo, xa usenza i enkulu mboleko uncedo eceliweyo kunye nomsebenzi.

ikakhulu

Qonda ikhadi lamatyala ye-Savings Bank okanye elinye iziko, kulula kakhulu ngayo. Esebenza ngendlela efanayo njengoko imivuzo esezantsi. Uyakwazi ukurhoxisa imali kwi-ATM, ukuba udinga imali. Kwakhona ithuba okuhlawulela iimpahla neenkonzo ezivenkileni.

Kufuneka kuphela khangela-in ukufumanisa ukuba yintoni na inzala ebizwayo kwimeko nganye, ngokuba kwezibonda ngemali kunye non-cash iintlawulo zidla ezahlukeneyo. Kuyimfuneko ukuba ahlawule ityala ngendlela ngexesha, ukuze izohlwayo ekubeni icala, ngenxa apho kuya kufuneka ukuba uhlawule isixa esikhulu.

ukwelixesha loxolelo

njani ubabalo ixesha amakhadi etyala? Olu phawu phantse yonke ebhankini. Ukuba ixesha apho amatyala kuhlawulwa ngaphandle kwenzala. Ngokuqhelekileyo ziintsuku 50-60. Ukuba ngeli xesha imali-mboleko akuhlawulwa, esi sixa zibalwe ngokutsha ngokwepesenti yangoku.

umda

Eli khadi lisebenza kumda. Ngokuqhelekileyo, yena 300-500 thous. Engange. Amaxesha amaninzi isethi yayo ubungakanani esekelwe kwingeniso ye client ngayo. Ezinye iibhanki zinika amakhadi ezikhethekileyo, ezifana mboleko zemoto. Emva koko, lo umda kunokuba ukuya engange million 1.

Umda kuxhomekeke nkcukacha yeBhanki, kwakunye isindululo. Kutheni na credit card, ungabuza iziko umsebenzi. Oku kube ngenxa yezizathu ezahlukeneyo, ezifana nokunqongophala kusebenze.

Indlela yokusebenzisa?

Ngaba ikhadi lam letyala ukwenza ukuthenga? Ezi nkundla ke zenzelwe ukulungiselela le njongo. Ezinye iibhanki anoomatshini umvuzo ezibonelela iingenelo kubathengi.

Uyakwazi ukurhoxisa imali-ATM. Ukuba ifowuni bobabo ebhankini, imirhumo iinkonzo ezifana, njengokuba umthetho, ayiyi kubakho. Ukuba unit kwelinye iziko, apho kuya kubakho intlawulo, imali leyo zinokwahluka.

intlawulo yetyala

Kuyimfuneko ukuba ahlawule ityala ngendlela ngexesha, ukwenzela ukuba ethumela izohlwayo. Ukuze igalelo ngeendlela ezininzi:

1. Ngokusebenzisa le ukuphela nayiphi na ibhanki - 2-5% ikhomishini.
2. Ukongeza mali ngokusebenzisa ukutshintshelwa kwezinye amakhadi.

Ukuba ixesha ayenzi imali, uya kubekelwa kwipesenti, elisebenza phantsi isivumelwano. Yena ingalungiswa. Ngokuqhelekileyo ukucwangcisa izinga ecacileyo elikhankanyiweyo isivumelwano, nto leyo isayinwe ngexesha kuqhutywe mboleko.

Ezinye iibhanki ukunika isiqabu, xa umxhasi akakwazi ukuhlawula ityala. kuphela kuyimfuneko ukuba alumkise ngayo kwangaphambili. ukuhlawula kade maxongo imbali yekhredithi. Ke kwixesha elizayo ukufumana imali-mboleko kwi ibhanki iya kuba nzima.

Ubuhle nobubi

Ukusetyenziswa software enjalo elunxwemeni zinezibonelelo nezingalunganga. Kweenzuzo kungathiwa:

• yokubala oovimba;
• Ibhonasi kunye abekwe;
• somusa;
• mfuno zisezantsi;
• uyilo oluninzi;
• ezahlukeneyo ongazikhetha intlawulo;
• banking intanethi;
• ubhaliso isicelo intanethi.

Phakathi ukushiyeka cell ukuba amazinga otshintshiselwano kozinzo umdla omkhulu (ukuba ikhadi dollar). Kwakhona, ikhomishini xa ekulahlekelweni imali.

Besuka Sberbank

Ingaba credit card Savings Bank? Bona ingqalelo ithandwa kakhulu phakathi abemi Russia, ukusebenza oko ngaphandle kokuphazanyiswa kulo lonke elo lizwe. Ngu amakhadi izenzo Grace-ixesha apho oko kunokwenzeka ukuba ukusebenzisa iindlela ngaphandle kwenzala. Savings ichaza eli xesha iintsuku 50-60.

Ukuba awuzange ubuyise imali ukwelixesha loxolelo, kufuneka wenze intlawulo ubuncinane. Oku kuquka indima ephambili neepesenti. Ukuba oku sizaliseke, isohlwayo eso abekwa ityala ngenxa ngosuku ngalunye.

Xa Savings Bank ukuba ahlawule ityala ngeendlela ezininzi:

• ukutshintshela kwi-akhawunti okanye ikhadi;
• wemvula ngenxa ngekhompyutha kunye ATM;
• umyalezo inombolo 900;
• ngokusebenzisa inkonzo, "Sberbank Online";
• izipaji elektroniki.

Ngokutsho kwezinye iindlela khomishini ityala. Kodwa ubungakanani yabo yahlukile, ukuze usoloko ufumana olungiswe ukuba wekhadi. UMthengi umda, nto leyo ezinokusetyenziswa. Ngokuqhelekileyo, ubukhulu balo kuxhomekeka kwiimeko lwenkqubo lukhona. Kuba mali ocetywayo abaninzi phakathi amawaka 60-600. Engange. Xa kukho intlawulo ozinzileyo, kumyinge zandiswe. Lo mazwi isicelo kunye client. Emva koko uyakulindeleka amaxwebhu kwi yokuhlawula amatyala. Kukwakho amathuba yokunciphisa kumda.

Savings Bank inikeza ukusebenzisa le nkqubo, "Enkosi." Umthengi uthenga ikhadi, baba ibhonasi. Emva koko ke kufuneka bachitha okuhlawulela iimpahla neenkonzo. Ukuqhagamshela nkqubo kunokwenzeka ngenkqubo "Sberbank Online".

abaxhasi Sberbank kaThixo zenziwa ngokusebenzisa ulawulo-akhawunti yakho. Kufuneka ufake login yakho kunye nephasiwedi enikezela unikezelo kwi sayithi. Kwiofisi yangasese enenkcazelo kwimaphu. Ukusuka apho, ungenza iintlawulo, uthumele imali.

"Tinkoff"

Njani ikhadi lamatyala "Tinkoff"? Iziqulatho ingaba intanethi, ngaphandle ngokundwendwela ibhanki. Kuyimfuneko kuphela ukuba ushiye isicelo, yaye emva kwexesha elithile ziya kunikwa isigqibo. Kuba kubaboleki ixesha ubabalo - iintsuku 55. Ukuba ngeli xesha ukuhlawula ityala, inzala akanyanzelekanga ukuba ukuyibuyisa. ikhadi lamatyala enikwa ngaphandle mali kunye guarantors.

Internet zebhanki simahla. Ngayo, naliphi ixesha ungafumana ulwazi malunga nemeko ye-akhawunti, ukuba ahlawule ityala ze enze neminye imisebenzi. Ukutshintshelwa Ubuncinane yi-6% yolwabiwo-mali. Umda yeentengo zemboleko ngokuzenzekelayo nini intlawulo kwangethuba kunye nokusetyenziswa amakhadi.

abathengi entsha mda ubuncinane ihleliwe. Kodwa ke oku kunganyusa ukuya ku-300 lamawaka. Engange. Uyakwazi ukusebenzisa ikhadi ehlabathini lonke. On kucetywa ukudluliselwa kwemali Euro enye ukuya kwenye, kuphela kule eyekiweyo. Kuyimfuneko ukuba ahlawule imali mboleko ngexesha, kwaye ukuba akukho inzala yezavenga akuyi kufuneka ukuba ahlawule.

"Alfa-Bank"

Njani ikhadi lamatyala "Alfa-Bank"? Agents wanikela ixesha ubabalo iintsuku ezili-100 no-60. Amakhadi ziyafumaneka kwi-18. Kuyafuneka kuphela ipasipoti SNILS. Kuba ukubhalisa kufuneka ube nengeniso 9 amawaka. Engange (kuba eMoscow) kwaye ukusuka th-5. Engange (kwezinye iingingqi).

ixesha lokuhlala bengenzi nto iintlobo 2 ngokuxhomekeke kwikhadi. Ngeli thuba akukho mfuneko yokuba uhlawule inzala. Ukuze wenze oku, nyanga nganye enze intlawulo ubuncinane ukuya ekupheleni kwexesha ukuhlawula ityala kwi mephu. ixesha Free iqalisiwe emva kweentsuku ezingama-60 okanye 100 lonke ixesha. Intlawulo Ubuncinane yi-5% etyala elo. Yenza kufuneka ibe nyanga zonke. billing ziintsuku ezingama-20.

ikhadi lamatyala evela "Alfa-Bank" ungakwazi ukuhlawula izinto ezithengwa zakho, kodwa unako ukurhoxisa imali, kodwa le ntlawulo set - 3,9-5,9%. Umda imali elingana 60-200 amawaka. Engange. Isixa ethile imiselwe yibhanki ngabanye.

Ukuze ufumane ikhadi kufuneka ugcwalise isicelo intanethi kwaye kwisithuba imizuzu eli-10 ukuya ukufumana impendulo. Ukuba sigqibo preliminary efika, kufuneka uqhagamshelane ibhanki kunye namaxwebhu. Kukho kwaye ikhadi ziya kukhutshwa, eso sinokusetyenziswa ngoko nangoko.

amakhadi Credit zibe lula kakhulu kuba kuvumela ngqo emva abasebenzisa iindlela. Imali ayikwazi zikhululeni ngoko nangoko, kodwa othenga xa kuyimfuneko. Uyacetyiswa ukuba usebenzise izinto ezifana ukwelixesha loxolelo, kwaye musa ukuba overpay.