I-credit cards isithuba saphambi korhafelo

Nawuphi self-ngokuphathelele bank namhlanje inika amakhadi zayo abathengi credit. main osemqoka yabo - ukwelixesha loxolelo umdla-free, okanye sebenzisa amaziko imali, okanye ubabalo-xesha.

Yintoni, enyanisweni, uncedo?

Grace xesha - kukho ixesha apho imali ebolekiweyo kwi ibhanki zingabuyiswa ngaphandle kwenzala. Imeko ephambili - ukwenza nto ngokupheleleyo de ekupheleni kwekota ekuvunyelwene.

Kubonakala disadvantageous ngokupheleleyo inkonzo yebhanki - a ixesha ubabalo. Enyanisweni, namhlanje abantu abaninzi ezingeyomfuneko. Zihlawula inzala kunye nezohlwayo ukuqinisekisa ingeniso ibhanki yakhe.

umboleki uxanduva ngobulumko ubunzima i "kwizazi" kunye "bawo", kuya kuba lula ukuba ukusebenzisa imali ebhankini kwaye wenze umsebenzi wabo imali kuzo (akuba ezikhutshiweyo, umzekelo, igalelo ipesenti elungileyo).

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Uninzi abathengi iinkonzo zebhanki akusoloko delves kulo mba kwaye uyayiqonda inkqubo loxolelo. Enyanisweni, kulula. Namhlanje iibhanki ixesha ubabalo yahlulwe ezimbini. Okokuqala malunga neentsuku ezingama-30 ze likuvumela ukuba wenze imicimbi ngetyala. Okwesibini, malunga 20-25 imihla ekujongwe ukuba ukuhlawula imali-mboleko. Isiphumo kukuba ukwelixesha loxolelo ingahlala iintsuku 55 (ngokuxhomekeke ngomhla ekuthengwe).

ukubolekisana iinketho ezinikezelwa ziibhanki, zimbini kuphela: nokuba ixesha izibonelelo iqala ngomhla ekuthengwe yobhaliso, okanye umhla apho ebekwe ngabom elunxwemeni lomlambo.

Ukuba inzuzo iqala komhla omiselwe yibhanki

Xa ikhadi ixesha ubabalo olu hlobo kuqala ngokubanzi ubala ixesha ukususela ngomhla wokuqala enyangeni okanye emva kokuba uqalile okanye ipoti ye kwekhadi, kwaye kuthatha-avareji leentsuku ezingama-30. Kwaye zonke iintengiselwano zishwankathelwe, kwaye ekupheleni kwexesha wathi, baya kufuneka zifunyenwe kwi-akhawunti yebhanki.

Esi sibonelelo ithathwa singazinzi, njengoko, umzekelo, ukuthenga eyenziwe ekuyeni ekupheleni kwenyanga, kukho zexesha elifutshane mboleko inzala-free. Ke inani lenyanga yentlawulo emva kwenyanga into efanayo. Kuba kubathengi, abathengi ngokufuthi, olu khetho ukubala kakhulu lula. Kwanele ukuba ukukhumbula isiqalo nesiphelo ukwelixesha loxolelo kunye nomhla kokungeniswa intlawulo yenyanga. Ngokuqhelekileyo, iibhanki, ngokungqinelana nemiqathango loxolelo zithunyelwa ingxelo qho ngenyanga ekwikhompyutha client okanye iSMS-umyalezo, nto leyo ibonisa ubungakanani kwamatyala kunye imigaqo yokwenza ukuba ebhankini.

Ukuba inzuzo iqala ngomzuzu wo yingisela

Kulo mzekelo, ibiya, yonke into lula. Ithuba umdla-ezamahala lokuhlawula imali Bank iqala ukususela ngomhla ekuthengwe ngawo kwaye sihlala iintsuku ezingama-30 kwi-avareji (ngokuxhomekeke kwiziko elithile). Kodwa ukuba umnini ikhadi ixesha ubabalo yenza izinto ezininzi ezincinci, kusenokwenzeka ukuba bedidekile yaye nje abuye izixa kunye nemihla.

neengxaki

Ukuba kunokwenzeka xa umxhasi ubuncinane kanye balibala ukuhlawula ityala okanye wenze intlawulo efunekayo ngenyanga. Inzala kulo mzekelo, ibhanki iya kuhlawula kunye nentsalela kwekota mboleko, nobabalo. Ukuze uhlawule ityala, ungasebenzisa enye ngeendlela ezintathu:

1. Wavuma ukuba ibhanki isixa naliphi na isebe yayo.
2. Faka nayiphi na imali ATM ngeendleko ebhankini otyalwayo.
3. Yenza transfer wire na terminal elula.

Apha kuyimfuneko ukuqwalasela caveat. imali ezenziwe ebhankini yokukhutshwa (ukhetho lokuqala) kuphela, yiya kwi akhawunti ngosuku olufanayo. Iintlawulo ezivela kwezinye iiBhanki ungaya iintsuku ezintathu zomsebenzi.

Ukanti kwenzeka, zikwimeko yokukhupha ikhadi lamatyala njengoko intlawulo mandatory. Le intlawulo yenyanga kubonelelwe kule mvumelwano, yaye ngokuqhelekileyo ayidluli-10% yemali-mboleko. Ngoyaba ezi ntlawulo, nokuba ukuba umboleki uhlawula inzala, esongela izohlwayo kunye Ukungcoliswa.

The best ikhadi lamatyala yebhanki isithuba saphambi korhafelo

Isambuku ikhadi lamatyala isebenza kule nkqubo: zokuqala iintsuku ezingamashumi amathathu ukuthenga zabo ngemali waboleka, leyo kufuneka babuyele kwiintsuku ezingamashumi amabini ezayo. Kodwa kukho ababolekisi ezifundisa ixesha yobabalo iintsuku ukuya ku ezimakhulu mabini. The main imeko kufuneka athobele umxhasi - intlawulo yenyanga. Yena akukho ngaphezulu kwe-5% lemali yetyala lonke.

Free mboleko ukusuka kwiintsuku ezingama-60 ukuya 200

ukunikezwa aphezulu for MasterCard okanye Visa ikhadi Bank "Avangard". Oku uyakwazi ukufumana umxhasi owabangela akukho ngetyala okanye kuqala wasondela. Intlawulo yenyanga ye eli khadi - 10%.

Ukuba ekupheleni kwenyanga yesixhenxe ukususela kumhla izavenge elilandelayo akayi kuhlawulwa kunikezelo ikhadi, ibhanki uhlawula inzala yonke ukwelixesha loxolelo iintsuku eziyi-200. Ngelo xesha linye izinga kuya kusuka nyanga nenyanga.

Umda Credit yahluka ukusuka 10 ukuya 150 amawaka kwaye ewuhlaziyayo.

Hayi ngaphantsi ikhadi elihle ixesha lubabalo (Bank "Promsvyazbank") iintsuku 145. Nika kuphela ngowokuqala hlawula musa ukusebenzisa amakhadi ngetyala kule ngongoma. ixesha lokuhlala bengenzi nto iqala ukususela kwinyanga wokukhutshwa ikhadi. Ngoko ke, amathuba uya kuba mkhulu, ukuba ufumana oku ekuqaleni kwenyanga. Umda Credit of "Promsvyazbank" ngu 600 lamawaka engange. Kuba iimeko non-imithetho ye-Bank interest rate yi 34,9%.

sele wazuza Card Interesting kuthandwa "Twins" osuka kwi "Alfa-Bank." Gratuitously usebenzise imali yeziko kunokuba ezilikhulu iintsuku. ikhadi Amazing okuye amaqela ezimbini zomsebenzi. One - credit, owesibini - kuyitsala. Ngokwendalo, iinkcukacha yahlukile, kuquka PIN. Umda credit kwi "Twins" - up to amawaka 300 engange kunye nenzala, ukuba kufuneka uhlawule, - 18,99%.

ngokoMthetho credit ukwazi ezinikezelwa iibhanki (ngesithuba ubabalo kwimephu iintsuku ezingama-60) "Uralsib" yaye "Rosbank". Okokugqibela kodwa ubabalo-xesha, loo nto yenza kube lula ngaphandle njengokubhekisa kulo naluphi na ophethe emoyeni babhukishe iinkonzo zokuhamba. Umda credit yahluka ukusuka 300 lamawaka kwesigidi, umyinge wenzala - 24.9%.

"Uralsib", ngaphandle kunyaka wokuqala wenkonzo simahla, inikeza kwisikhululo igesi "Lukoil" izaphulelo.

Ukwelixesha loxolelo credit cards, "Yar-bank" umgangatho ihlala iintsuku 55. Xa inani elincinane ngokwentelekiso (17.5%) ingaba engange ukuya kwesigidi.

Enye kakhulu ethandwa credit cards nabadlala kunye abalandeli sezipho elektroniki - yebhanki Kanobu "Tinkoff. Credit Systems ". Yena sum ehlaziyekayo - 700 amawaka engange. Kodwa oku kubalulekile. Ukuhlawula ne Kanobu kwisiza, umsebenzisi-10% isaphulelo, njengoko, ngokuzenzekelayo, kwaye ezivenkileni iqabane abanenxaxheba ekuthengisweni electronic. Inzala ngaphaya ukwelixesha loxolelo - 23.9. Kunye notsalo imali kule ikhadi lamatyala ayibizi.

Imali ngekhadi letyala? Nceda!

Njengoko sisazi, amakhadi zeentengo zemboleko ayenzelwanga bakhupha. Kodwa kumzabalazo iibhanki umxhasi kufuneka ukuya iminyinyiva ezahlukeneyo kunikezelo imali evela kwezi amakhadi. Zonke ngomahluko emiselweyo kwisivumelwano. Kufuneka ukuba baziqhelanise ngenyameko. Nazi ezinye zazo:

• rate ikhomishini inokuba ngaphezu kwi ATM "langaphandle".
• Commission zokurhoxisa imali yaso - nayo ingaqhelekanga.
• Ukuba elidityaniswe notsalo ukhetho ehlawulwa ikhadi lebhanki letyala, iKomishoni, mhlawumbi hayi, kodwa ixesha ubabalo - kakhulu.
• Imida etsalwe ukuze kuphela iintsuku okanye iinyanga. Ewe, kwaye uyakwazi cash ndaweni zonke umda, kwaye kwezinye iimeko - inxalenye encinane.

nezahlulo Best ukurhoxisa imali evela ikhadi debit

Namhlanje abathengi ngakumbi nangakumbi iinkonzo zebhanki bathenga amakhadi ngetyala emalini. Kodwa ezi abathengi-bume kwaqala ukuvela kwi ikhadi lemali. Makhe sihlolisise apha ngezantsi.

iibhanki Top

Enye iinkokeli oku - "Alfa-Bank". Kukho imephu sibhalwe ngeentsuku ezimbini maxwebhu mabini. Ifakwe bonke ubuchwepheshe bale mihla, leyo ukuqinisekisa ukhuseleko lula ukuyisebenzisa.

Eli ziko yenye internet banking kakuhle ( "Alpha-nqakraza"), imiyalezo SMS free, a cashback elungileyo ukuba ungathenga ngayo, nto leyo inokwenziwa ngaphandle umfowunelwa, ixesha ubabalo ebalulekileyo (imali, ngasendleleni, zisuswe akukho msebenzi). Iibhanki neqabane (kokuba echazwe kwi contract) nalo notsalo simahla. Ngamanye iibhanki ikhomishini iya kuba-1%, kodwa hayi ngaphantsi kwe 150 engange. Umda Credit - 750 lamawaka ngenyanga nganye.

Hayi kude emva kwaye i "Raiffeisen Bank" ne "ikhadi yemali". Yenziwe ngaphandle lwexwebhu elifanayo. Umlinganiselo wenzala yi-34%. Ukuba kwenziwe isivumelwano ukunika ingxelo yengeniso, izinga kusithwa-29%. Emkayo imali ikhadi simahla nje kuphela "Raiffeisen Bank" yaye "Rosbank". Omnye "kodwa" - emva bakhupha lubabalo kwexesha iphela kunye nenzala yonke into.

Debit card "lomvuzo" ngokuthi "Union" ye ebhankini ifumaneka simahla, yaye imali yenkonzo ngonyaka singabalelwa. Umda Credit - kuluhlu engange 5000 ukuya 300 000. Kubalulekile ukuba ihlale engqondweni into yokuba ukwelixesha loxolelo, ibhanki "Union" ayinikezi. Kwi equity inzala. It sabanika yokundwendwela, kodwa kuphela xa umthengi inxaxheba kule projekthi yemivuzo i-Bank kunye iingeniso zayo ngaphezulu kwama-10 000 kwiinyanga ezintathu ezidlulileyo (ezicocekileyo). Intlawulo yenyanga yi-10% yinqununu kunye nenzala, kwaye kufuneka zifakwe ungadlulanga inani yesihlanu.

Imali sirhoxisiwe ngaphandle iikhomishini, kodwa ngomhla - hayi ngaphezulu kwama-180 000, kwaye ngenyanga hayi ngaphezulu kwe 450.000.

"Ikhadi lamatyala nje" kwi "CitiBank" - imveliso zebhanki ekhethekileyo. Cash kukhatyelwa kuyo nayiphi na indawo apha ehlabathini for free. Ngexesha imali yesondlo lonyaka kananjalo singabalelwa. Iipesenti kudidi eliphakathi - ukususela 13.9 ukuya 32.9%. Grace xesha - iintsuku 50 - yemali awusebenzi. Abathengi ukuba uqaphele: ukuvuselela ikhadi kwi-ofisi lixabisa 750 engange, kwaye nge-intanethi - simahla!

inkqubo "RosEvroBank" umvuzo ivumela naliphi na ikhadi lamatyala ukurhoxisa imali simahla. Nika kuphela inxaxheba kule program. Iindleko zonyaka ikhadi ixhomekeke imigaqo yayo. Kodwa ke umyinge wenzala kunye umda zeentengo zemboleko ingqalelo yibhanki ngamnye kumntu ngamnye.

Ntoni i "Savings Bank"

ukwelixesha loxolelo kulo mbutho ngetyala - ukuya kwiintsuku ezingama-50. Noko ke, ukunqanda inzala, kuyimfuneko ukuhlola ngenyameko isindululo.

Eyona nto ibalulekileyo ukuba siqwalasele: ukwelixesha loxolelo iqala ukususela kumhla yokufayilisha isicelo umba card, kungekhona ngomhla ekuthengwe ngawo, njengoko kwimigangatho ezininzi. Lo mhla ziya kuboniswa kwi kwimvulophu kunye PIN khowudi. Nayo iqala pyatidesyatidnevka ezamahala ukusebenzisa imali ebhankini, amashumi amabini kuzo ingqalelo ixesha yentlawulo. Kweli xesha kufuneka wenze intlawulo inyanga ingxelo. Ngoko, kwiintsuku 50 engcono ngu:

• ixesha ingxelo leentsuku ezingama-30 ubude, oluthi luqokelelane ekupheleni loxwebhu kwee (it ezidweliswe zonke iintengo imali iyonke)
• billing, okuhlala iintsuku ezingama-20.

Ukuqhuba nokusebenzisa ikhredithi khadi "Savings" efanayo koku kulandelayo:

1. Isicelo ikhadi kunikezelo nokuvuselela.
2. Ukusetyenziswa kwemali ibhanki yakhe kangangeentsuku ezingama-30, ngaphandle lemka umda kumda.
3. Ukwamkela uxwebhu ingxelo ukuthenga.
4. Study komhla lokwenza intlawulo kunye nemali.
5. Intlawulo yetyala elandelayo.

Abanye abantu bakholelwa ukuba xa uthe watsala imali evela ikhadi lebhanki letyala, kwaye wabuya kwexesha, musa ukuba abuyise umdla. Le yintsomi. "Sberbank" isithuba saphambi korhafelo inikeza kuphela intlawulo non-cash. Kamsinya nje imali iya cashed (kuba bonimisela ikhomishini), inzala ethe onke amatyala. Kwaye lo ngu-24%.

Kwimeko ukusilela ukubhatala yonke imali efunekayo yemalimboleko kuba nenzala ngeqondo esezantsi, kwaye ngumxhasi mfuneko ukwenza eyona mali incinane. In "Sberbank" zenza i-5%. Ukuba le minikelo kwi-akhawunti akayi izakuvela, ngokutsho isivumelwano, kuya kuba ngolwangezelelo izohlwayo kunye nezinga lenzala banyuke kwi-38%.

Post scriptum

Imali evela ikhadi lamatyala "Savings" kwelinye kunokuba nangayiphi na indlela elula ukuba ukudlulisela nge zebhanki Internet, terminal, zebhanki mobile. Apha into engundoqo - ukwazi ukuba imali kudluliselwa nenani ukurhoxiswa nemali yonke imiphumo yaso.

Nciphisa umdla nokutshintshwa mali zingenza ukuba ngokusebenzisa indlela yesiphelo okanye intanethi transfer ukuya kwenye ye-nangxowa yamphako, ekubeni kukhokelela ikhadi lemali. Kulo mzekelo, ikhomishini iya kuba 1,75%.