I-credit card inzuzo kunye ixesha lubabalo. Isishwankathelo credit cards kunye nokubonisa ixesha elongezelelweyo

Nokufika kwintlekele yoqoqosho, iibhanki ndiqalile ukwazisa iimveliso zemali ezintsha ukutsala abathengi ngaphezulu. amakhadi ingakumbi yeplastiki ziye zaba efanelekileyo. Kodwa umgca standard ngetyala ayimangalisi. Asingabo bonke ufuna ukuba ahlawule inzala ukuba kusetyenziswe imali ebhankini. I-credit card inzuzo kunye isithuba saphambi korhafelo - yiloo nto kufuneka kumxhasi mihla. Iimeko ezithandwa kakhulu abantu kuchazwa kamva.

Yintoni ukwelixesha loxolelo?

amakhadi Credit namhlanje anikezela amaziko amaninzi zemali ukukhupha simahla. Noko ke, abanye kwenza kube lula ukusebenzisa imali ebhankini xa ngokwesiseko sokukhetha. Oko kukuthi, ungakwazi ukuthatha imali evela ikhadi kwaye kwangaxeshanye musa ukuhlawula kwisithuba sexesha elithile. A ukwelixesha loxolelo standard ziintsuku 30-60. Noko ke, ezinye iibhanki ukuya phambili banikele abathengi ukusebenzisa imali ngaphandle nezicelo iintsuku 180-200.

Buyanceda ukuba ikhadi nge kobabalo? Le mveliso zemali Kulula ngokwenene ukuyisebenzisa. Kodwa kunokuba yingenelo ukubiza kwezinye iimeko kuphela. Isibakala sokuba uninzi abathengi, ndilingelwa ukuba ubabalo xesha, qhubeka ukusebenzisa mboleko emva kokugqitywa kwexesha 'umdla-free ". Ngelo xesha ke kufuneka ukuba ahlawule ikhomishini kunokuba enkulu ukuba ukusetyenziswa kumgca lekhredithi.

Nokuba kuyimfuneko ukukhupha ikhadi ngetyala? Isisombululo kungathatha client kuphela. Uphengululo lokuqala kufuneka ahlole ikhadi lamatyala nge lubabalo.

Sberbank of Russia

Iziko zemali bathembela kakhulu ngabemi. Ezinikezelwa iibhanki credit card kunye ixesha lubabalo. notsalo Imali eyenziwe ngaphandle umdla na ATM. Nangona ukwelixesha loxolelo wanikela ayikho likhulu kakhulu (iintsuku ezingama-45 kuphela) ofuna ukukhupha imveliso zemali kusoloko kakhulu. Oku kungqinwa ncomo ezininzi. Oku kubandakanya wokuqala yonke imali kumda ngetyala. Kuxhomekeka abathengi ingeniso nivuke ku 600 lamawaka engange busengozini.

Ekupheleni ukwelixesha loxolelo yokusetyenziswa kwemali mboleko iza kuba abathengi ibhanki ukuba ahlawule ikhomishini kwinqanaba 25.9% ngonyaka. Ngokugqithisileyo libalwa ngokusekelwe isixa-mali athatyathwe imaphu ngomhla wokugqibela ekusetyenzwayo enyangeni.

"Avangard"

Le ibhanki yeyona nomtsalane, xa siqwalasela ukwelixesha loxolelo. Wonke umntu unethuba lokukhupha oyilwayo kwaye ufumana ibhiznis khadi kwenye iinkqubo zentlawulo ngamazwe. Kweli xesha elide zingasetyenziswa imali iimeko ibhanki bakaThixo. amakhadi Credit ngesithuba ngobabalo leentsuku 200 - ithuba elilodwa lokwenza naliphi na ukuthenga, ngaphandle kokulinda ukuba imivuzo. Ukuchitha imali ingaba ezivenkileni, ejensi, amaziko kwezolonwabo njalo njalo. D. Akukho mfuneko ukubuyela imephu sonke isixa lirhoxisiwe ngaphakathi inyanga. Intlawulo Ubuncinane yi-10% yesibonelelo semali eseleyo.

Njengoko kuyimfuneko ukubuyisela imali emva ukwelixesha loxolelo. Ubuncinane inkokhelo akayi kutshintsha. Yena uya kuba yonke enye-10%. Nakuba kunjalo, ukongeza kufuneka uhlawule ngaphezulu kunye nentlawulo. "Avangard" Bank inikeza ukukhupha ikhadi lokuthenga ngetyala ngomyinge we-24% ngonyaka.

VTB Bank

ezahlukeneyo eziliqela amakhadi zeplastiki umnikelo ukuba akhuphe ibhanki VTB. Umahluko iya kunikwa umgca yekhredithi (ukusuka engange 300 ukuya 900 lamawaka). Eneneni kusenokuba ikhadi kuluncedo letyala. Grace iintsuku ezingama-50, oko kunika ithuba lokuba ukuba uthenge ngeendleko kwiziko lemali kwaye musa overpay. Ekupheleni kwethuba kwee umlinganiselo kubathengi ezintsha ibhanki iya kuba-28%. Kuba abo elide asebenza kunye namaziko ezemali ezifundisa iimeko abanyanisekileyo ngakumbi. Ekugqityweni ukwelixesha loxolelo, kuya kufuneka ukuba uhlawule-22% ngonyaka.

Ukusuka VTB card Bank letyala elula ngokwenene. umthengi ngasinye ngokupheleleyo ukhululekile ukuba ii-akhawunti yakho ukuya amakhadi-5, kananjalo kube lula kakhulu ukusetyenziswa usapho. Ukongeza, iziko zemali unalo zebhanki elula online. Ayizi phambili ngokuyimfuneko isicelo ebhankini ukulandelela umsebenzi akhawunti. Konke ekufuneka uyenze ukuya kwi-akhawunti zabucala online.

"Alfa Bank"

Eli ziko zemali ufumana ikhadi kakhulu evumayo letyala. Grace xesha - iintsuku 100. Iimeko emva kokugqitywa kwalo: izinga - 18,99% ngonyaka. Nawuphi umthengi Ungafumana umgca sentengo yemboleko efikelela kwi 300 lamawaka engange kwaye bachitha imali nayiphi na injongo. Isixa eya kuvela kwimaphu kuqala kuxhomekeke kumvuzo lesigulane eso.

Kunye nento yokuba maphu "Alfa Bank" siyixhamle ukugcwalisa na amaziko emali. Kwakhona watsala imali-mboleko banokuba nayiphi ATM. Ngokungafaniyo iimveliso ezifundisa VTB bank, ikhadi lebhanki letyala, "Alfa Bank" naye debit. Oko kukuthi, i-client ingathatha kuphela imali amaziko ezemali, kodwa kwakhona ukuba ngenxa yabo. Oku uya kuhlawuliswa inzala kwimali ezintle.

reviews esisemgangathweni ndikuvile isihlomelo "Alpha mfono". Le yinkqubo Smartphones nezidanga, apho ukwazi ukulandelela intshukumo-akhawunti, imali kwikhadi, imali imali, kwaye ngokunjalo iseli. D.

"Promsvyazbank"

Ikhadi credit ngesithuba ubabalo iintsuku 145 - kukulungele kanye lula. Le mveliso inika "Promsvyazbank". igama layo - "Supermap". Kwiinyanga ezine, ungasebenzisa umgca ngetyala ngokupheleleyo free. Ngoko ke kufuneka ukuba uhlawule imali etyalwa phezu yezinga eliphezulu ngokwaneleyo - 34,5% APR. Ngelo xesha linye ebhankini inika ngokwaneleyo umgca enkulu ngetyala. Kuxhomekeka ingeniso esemthethweni umthengi ngamnye uyakwazi ukufumana ukuya ku-600 amawaka kwi-akhawunti yakho.

"Supermap 'ukusuka' Promsvyazbank" igcina. Abathengi othenge imveliso, ngokuzenzekelayo uya kuba nxaxheba kwinkqubo yebhonasi kwaye ukuba uthenge ngexabiso ngesaphulelo kwi koovimba, ezo yamahlakani kwiziko lemali. Sebenzisa ikhadi ukuba luncedo ngenene ukuba abuyele imali kwi-akhawunti ngexesha loxolelo. Noko ke, emva kweentsuku 145 emva zokurhoxa elifanelekileyo ngelishwa rate ayikwazi kubizwa ngokuba.

On ucele ikhadi ezongezelelweyo linokunikezelwa i akhawunti kukusebenzisa abahlobo abasenyongweni free ngokupheleleyo.

"Rosbank"

Vula umgca ngetyala ikwanikezela iziko lemali. Yiba umthengi njani na ummi omdala of Russia, kukho indawo esisigxina lomsebenzi. I-credit card kakuhle ixesha ubabalo, le mveliso ayikwazi kubizwa ngokuba. Noko ke, "Rosbank" inikeza umgca esikhulu ngetyala. iklayenti nganye ithuba lokufumana ukuya engange yezigidi-1 kwi-akhawunti yakho. Ngelo xesha ebudeni bale mihla 62 kuya kuba lula ukusebenzisa imali for free. Kwixesha elizayo, izinga isivumelwano yi-23% ngonyaka.

ikhadi Ikhutshwe libhekisela "Visa" inkqubo ngamazwe. Ngoko ke, kunokwenzeka ukuba ukurhoxisa imali kwi-ATM ehlabathini lonke, okuhlawulela iimpahla ezithengiweyo kwiiwebhusayithi amazwe. Inikeza "Rosbank" ngeenxa ngenkxaso clock umthengi. Ukuba ikhadi yalahleka okanye yabiwa, kuya kuba lula ukuba ukutshixa kulo mbandela imizuzu ngokutsalela umnxeba.

"Uralsib Bank"

Amaziko Financial kunikezwa na ikhadi inzuzo lokuthenga ngetyala ixesha ubabalo, kodwa iimeko kwakhona iya kuba mininzi. Umda ingaba ukuya ku-500 lamawaka engange. Kwi iimeko abanyanisekileyo ngetyala ayiyi kusetyenziswa kwiintsuku ezingama-60. Ekupheleni kweli thuba, umthengi kuya kufuneka ukuba ahlawule ikhomishini ye-24% ngonyaka. Inzala ihlawuliswa kuyo yonke imali kwemali ethathwe ukusuka ikhadi ukuya kumhla wolungiso (ngosuku lokugqibela lwenyanga).

I-Bhanki ikhupha i "MasterCard" amakhadi inkqubo yentlawulo, apho zixhotyiswe nge chip. Oku kuthetha ukuba imali mboleko zisoloko ezikhuselweyo. Kukho isiqinisekiso sokuba imali aziyi ibiwe nabakhohlisi. Ukuba i-invoyisi unako ekayo naliphi na ixesha.

"Yar-ibhange"

Umgca credit ikunikeza "Jar-imbiza." Inkonzo walo free. Indlela yokusebenzisa ixesha ubabalo credit card? On iimeko abanyanisekileyo asuswe wayifaka emva kwi-arhente iintsuku 55. Ngoko izinga mboleko iza kuba 25,5% ngonyaka. Kunye nento yokuba umgca yamatyala naye iya kuvulelwa ngabathengi musa ukuqinisekisa ingeniso esemthethweni. Oko kukuthi, ukuba basebenzise iinkonzo ibhanki ngabantu oosomashishini zabucala bafunwa.

Kuxhomekeke isiqinisekiso sengeniso ikhadi lebhanki letyala uya kukhutshwa "Platinum", umlinganiselo apho Kwakugqitywa ukwelixesha loxolelo yi-24% ngonyaka. Kuba kube sekuphelisweni ikhontrakthi umthengi kufuneka anikezele yokundwendwela ukuba ngummi Russian Federation, kwakunye ikhowudi lokuzazisa.

"Tinkoff"

Iziko zemali inika ezahlukeneyo iimveliso iyingenelo ngabanye. Kananjalo kufuneka uzimele kunye ikhadi lamatyala. Ukwelixesha loxolelo, ukurhoxisa imali nanini na ATM, elula zokubhankisha Internet - konke oku nomtsalane kubathengi. Ixesha ukwelixesha loxolelo - iintsuku 55. Kwixesha elizayo, umthengi kuya kufuneka ukuba uhlawule zeenkonzo ebhankini kwi kumyinge ka-23,99% ngonyaka. Plus oko kubizwa ngokuba ngokwaneleyo umgca enkulu ngetyala - ukuya ku-700 lamawaka engange.

ikhadi lamatyala evela ebhankini "Tinkoff" naye debit. Abo uceba ukuqhubeka akhawunti yokonga ngokwabo, unako ukubala ingeniso-7% ngonyaka. Wonke umsebenzi akhawunti esweni in real time Bulelani ukuba app Ukugunda tablet kanye Smartphones. ikhadi lamatyala ingasetyenziswa iintlawulo kwi-intanethi ukuthenga ku kwiivenkile basekhaya angaphandle. Data likhuselwe inkqubo yokhuseleko ethembekileyo.

"Renaissance Credit"

Thatha ithuba iinkonzo ebhankini uwalungise umgca credit wonke ummi abadala of Russia, nto leyo eye indawo esisigxina lomsebenzi. Hayi ikhadi inzuzo lokuthenga ngetyala ixesha ubabalo, kodwa ezithandwa kakhulu. Iziko zemali ivuyela ukuzithemba abemi. Baninzi abafuna ukwenza phandle isivumelwano semali-mboleko a apha. Ngelo lokuqala komgca umthengi yeentengo zemboleko ukuya ku-200 lamawaka engange ezinokufundiswa. Xa ukwelixesha loxolelo elifanayo leentsuku 55 njengoko kwimeko yangaphambili. Kwixesha elizayo, ukuba ukusetyenziswa kwemali ngetyala kuya kufuneka ukuba uhlawule-24% ngonyaka.

Intlawulo Ubuncinane phantsi isivumelwano, kwakunye nezinye iiBhanki ezininzi,-10% yemali eseleyo. Yenza yentlawulo Umxhamli kuya kufuneka inyanga ukuya kusuku 25.

Nokuba kuyimfuneko ukukhupha ikhadi lamatyala nge kobabalo? Le mveliso-mali kuluncedo ngokwenene xa usebenzisa ngobulumko.