Yintoni na intlawulo ubuncinane kwikhadi ngetyala kwaye ukuba ibalwe njani?

Enye indlela elula kunazo zentlawulo namhlanje amakhadi zeplastiki. Eyona ethandwayo phakathi zonke iimveliso eyenziwa ziibhanki, credit cards na. Ngokwenene aku- lula - zonke iintengo zingenziwa ngaphandle kokujonga ubukho imali wallet yakho. I-Bank ibonelela izavenge iintsuku kweshumi eziliqela. Oku kuvumela ukusetyenziswa kakhulu ngokuyimpumelelo kwazo zonke iimali ezikhoyo.

Ukuba ufuna ukwenza iintlawulo "zeplastiki" wayengekho nje elula, kodwa sikwancedela, kufuneka ukuqonda ngokucacileyo indlela yayo yesenzo. Okokuqala, kuyimfuneko ukuba ukuqonda inkqubo yomiliselo lweForam intlawulo ubuncinane kwikhadi lakho lokuthenga ngetyala.

Yintoni na igalelo minimum

Umnini wayo nayiphi na credit "yeplastiki" phambi kokuba iziko-mali iye izibophelelo ezithile. Qho ngenyanga kwi "mali-mboleko" akhawunti ufuna ukuba nemali ukuze ubuncinane ngokuyinxenye uhlawule amatyala ngenxa. Iintlawulo bafanele ukwenza osikiweyo. Oku kuqinisekisa ukuba yokuhlawula amatyala ka wekhadi kwaye inika kuye ithuba lokuba basebenzise izixhobo ezifana kwixesha elizayo.

Loo intlawulo kwenxenye inqununu wabiza intlawulo ubuncinane kwikhadi lakho lokuthenga ngetyala. kwiziko lemali nganye icwangcisa yomtsalane walo kwaye imisela isithutyana ngamnye. Bayayilandela kakhulu, kuba xa uphosa elimisiweyo lokwenza imali, ibhanki unelungelo lokwenza isicelo intlawulo yesohlwayo okanye imali isohlwayo.

Ukusuka apho ixabiso intlawulo ixhomekeke

Esi sikhundla liziko lamatyala sicacisa umboleki eqongeni yokuqala ulwalamano - kubhaliwe ngokuqinisekileyo kumiselwe kwisivumelwano. Amaninzi, intlawulo ubuncinane kwikhadi lakho lokuthenga ngetyala ekhangeleka ekhulwini embalwa isixa-mali esichithwe umntu kwixesha elidlulileyo. Ngokuqhelekileyo 5-10%, kodwa yahluke kakhulu. I-Bank angabeka intlawulo esisigxina. It kufuneka wenze nyanga zonke enoba ingakanani imali eyachithwa. Yinto nje elula kakhulu, ngoko amaziko ezemali afana scheme isetyenziswa kungeyonto ayenza rhoqo.

Intlawulo lincinane kakhulu ikhadi lamatyala lulodwa yohlobo olunye yaye ubunjwe izixa ezininzi:

• inzala, babesenzelwa kanye kanye ixabiso ityala ngenxa ithuba lokukhutshwa;
• inxalenye mboleko, obolekayo sele kusetyenziswa ngokusekelwe kumrhumo;
• iimvumelwano Imirhumo echazwe kwikhontrakthi;
• ecikizekileyo, isohlwayo okanye nezohlwayo eliqokelelweyo yibhanki phezu yokwendalo isivumelwano umnikimali nomamkelimali.

"VTB 24"

kwiziko lemali ngalinye inikeza iimeko zayo ezibiza intlawulo ubuncinane kwikhadi lakho lokuthenga ngetyala. "VTB", umzekelo, zibandakanya loo mali apha:

• 3% etyala olugcinwe yi ngosuku lokugqibela lokusebenza lwenyanga;
• ipesenti ezongezelelekileyo kwithuba mali odlulileyo ngokungqinelana kunye nekhadi rate.

I oluyimfuneko mali kufuneka zenziwe kude 18:00 yosuku 20 wenyanga elandela omnye. Ukuba umxhasi ufuna ukuba ulondoloze imali inzala, kuyimfuneko ukusebenzisa ukwelixesha loxolelo, oko kukuthi iintsuku ezingama-50. Ukuba ubuyela imali kwikhadi ngeli xesha, inzala ebizwayo nakanye.

Ukuba ulibale ukuba ahlawule ityala kwisithuba sexesha elibekiweyo, kodwa abe ekhoyo ikhadi debit ibhanki, eli ziko-mali iza kuzama ukurhoxisa imali ukusuka apho. Kwimeko apho oku kuphumelele, ibhanki iya kunyanzeleka ukuba abize isohlwayo.

kwiintsuku 3-5 phambi kokuqala ka "X iiyure" ibhanki uthumela abathengi zayo sikhumbuzo mali ityala, isixa ubuncinane bemali kunye nemfuneko intlawulo yabo ngexesha.

"Tinkoff"

Ukuba ufuna ukuba loo ntlawulo "zeplastiki", uzimisele kuhlawula ngaphezulu kancinci. Intlawulo ubuncinane kwikhadi lakho lokuthenga ngetyala "Tinkoff" sibalwa ngamnye kwaye ukufikelela-8%. Kulo mzekelo, isixa sentlawulo akanako ibe ngaphantsi kwe amathandathu, anamakhulu engange. Oku kuthetha ukuba nokuba uchithe kancinane, ahlawule ukho kum.

Ukwenza iintlawulo kwangethuba kule mephu inqweneleka kakhulu. Kungenjalo, ezi zohlwayo ziya kusetyenziswa umoni.

• okokuqala kwiziko zemali ndiya kubuvelela kuni 590 engange;
• iphula eziziisekondari ziya kubangela isohlwayo sama 590 engange. + 1% eyona-mali setyala;
• abo abo babanjiweyo waphula imiqathango intlawulo okwesihlandlo sesithathu, ukuba ahlukane 590 engange. + 2% etyala elo.

Ubuqili i Savings Bank

Intlawulo ubuncinane kwikhadi lakho lokuthenga ngetyala Savings Bank zibalwa ngokusekelwe mali lokugqibela ematyaleni. Amaninzi, ityala lilonke kuqikelelwa-5%. Eli nani ubungakanani intlawulo sincinane ukuba zenziwe ikhadi ngomhla othile. Noko ke, maxa, ibhanki usebenzisa wesiphaluka ngamnye kunye nomdla ukuba umxhasi ethile ubeka.

Ukuba ekupheleni kwexesha elichazwe kwisivumelwano, imali ikhredithi khadi kwaye enaningamkelanga wona, ibhanki iqwalasela izibophelelo kuzaliseka kunye neentlawulo nesohlwayo ukuya kwi 37%.

ukufumana njani yaye phi lo mali

Kwaye wazi njani na intlawulo ubuncinane kwikhadi lakho lokuthenga ngetyala? Apha kukho iindlela ezininzi:

• Kuqala kwinto zonke, ungenza isicelo naliphi na isebe lebhanki yakho. Musa ukulibala yakho yokundwendwela, kungenjalo akukho nto yenzekayo.
• Ukuba iziko lakho lokuthenga ngetyala inika ukukwazi ukusebenzisa njengokubhankisha elayinini okanye mobile ezizodwa inika zonke iinkcukacha uyakwazi ukufumana ngaphandle kokushiya ekhaya. Buyela kwi computer yakho, yiya kwiphepha le-akhawunti yakho kwi website ibhanki kwaye zonke iinkcukacha ezifunekayo.
• Connect sms-kwaziswe. Namhlanje, iibhanki ezininzi zinika ithuba elinjalo. Ngoko ke uya kusoloko wazi ngqo nini kwaye ufuna njani imali eninzi ukwenza.
• Ukuze ufumanise ukuba yeyiphi na intlawulo lincinane kwi ikhadi ngetyala kufuneka wenze ngenyanga lwangoku, ungatsalela umnxeba umgca ngaseludinini eshushu. Emva ethetha umqhubi uze uchonge wena nje wekhadi, unako ukubacela ukuba yonke imibuzo yakho. Ngamanye amaxesha le nkqubo ibonelela ubuchule yitshintshe incoko ngendlela indlela ithoni bagxile imiyalelo yenkqubo.
• Amaziko amaninzi zemali kunika ithuba lokuba ukudibanisa i newsletter imeyili nyanga. In yakho e-mail iya kuza isaziso esibhaliweyo esichaza iindleko kwimaphu kunye zesixa sentlawulo ubuncinane.

Ukuba akukho nalunye lwezi iindlela engavumelani nawe okanye uzithandabuze nokuchaneka kunye ukuchaneka isixa esithile, nina ungayidlulisa ngokwabo.

Ukubalwa ipesenti yetyala

Ukuba unayo wokubala kunye nesivumelwano mboleko, ungakwazi ngesandla ukubala ixabiso intlawulo ubuncinane. Okokuqala kufuneka wazi ukuba yintoni na le nto ndiyibhalayo:

• imali yetyala;
• nomdla ukubizelwa ukusetyenziswa kwemali;
• izohlwayo okanye izohlwayo, ukuba ikhona.

Kukho 2 iindlela eziphambili ukuba ukubala njani intlawulo ubuncinane kwikhadi lakho lokuthenga ngetyala:

• kwipesenti etyala elo likhoyo;
• imali ngqo ngumxhasi.

Okokuqala, cinga ukhetho lokuqala. Loo indlela esetyenziswa ziibhanki ezininzi, oko ezithandwa kakhulu.

Umzekelo:

• imephu imali iseti umda we-100 lamawaka engange, kwaye izinga-15% ngonyaka .;
• kule nyanga iphelileyo (iintsuku ezingama-30) umthengi wachitha 23 amawaka engange .;
• isivumelwano sibonelela ngentlawulo ubuncinane we-6% yemali eseleyo.

Kuthathelwa ingqalelo zonke ezi parameters, ukubala inani ilula:

• 23,000 x 6% = 1380 - isixa ityala;
• 23000 x (20%: 365 × 30) = 378 - nenzala ethe;
• 1380 + 378 = 1758 engange. - ubuncinane intlawulo.

zazingaphi njengobuhle

Le ndlela buyiselo of credit cards kakhulu abangekaphuhli necacileyo abanikazi. Kuxhomekeke elula kakhulu: phambi kokuphela kwenyanga kufuneka ubuyele ikhadi akhawunti yonke imali echithwa kwixesha elidlulileyo, kwakunye nentlawulo umdla kwi ukuboleka.

Ukuba usebenzisa i data isampulu ephakamileyo, kukhangeleka ngolu hlobo:

• 23 000 - mali sachithwa kwixesha elidlulileyo;
• 23000 x (20%: 365 × 30) = 378 - nenzala ethe;
• 23 000 + 378 = 23 378 engange. - isixa esipheleleyo izavenge elandelayo.

Emva kokwenza intlawulo ukuya umxhasi uvula kumda kubungakanani 100 lamawaka engange, yaye kwakhona ukusebenzisa credit "yeplastiki".

Inkoliso musa ukubala

Nangona kubonakala nto izibalo enzima apho kukuthi, kuvela ekwenzeni isiko ngaloo ukubala ngokuchanekileyo zesixa sentlawulo lincinane ngokwazo akusoloko kusenzeka. iibhanki abaninzi umise ixesha ubabalo, umzekelo iintsuku 55, apho kungekho nenzala. Kulo mzekelo, ukubala yonke into ngokwakho kunokuba nzima kakhulu. Ngapha koko, kufuneka umkhondo ukuthenga ngalinye ngokuchanekileyo ukubala kuye ixesha ubabalo ukujonga ukuba ingaba inani kuyimfuneko ukuba abize inzala.

Ukuba zisuswe ikhadi cash, ipesenti iza kutshintsha, kaninzi iba ngaphezulu. Ukuba uhlawula kunye ikhadi kwiziko ATM elingelilo iqabane kwibhanki yakho ndawonye nawe, mhlawumbi, intlawulo eyongezelelweyo iya kuhlawuliswa. Kukwakho nezinye ubuqili obuninzi.

Ukwenza oku, eli ziko lwezimali kumasebe wonke apho wonke umntu ucinga ze alawule matshini. Ngoko ke ukuba ngenxa yesizathu esithile ngokuthandabuza ukuchaneka mali kuvavanywa sentlawulo zisezantsi, indlela elula qhagamshelana ebhankini uze ucele udweliso eneenkcukacha ukubala. Umphathi wachaza ngokweenkcukacha indlela nalapho ndivela khona zonke nesilima, Ngokoluvo lwakho, idenariyo.