Ncomo. "RosinterBank": iidipozithi, mboleko

Phofu ke, ubunokulindela ntoni xa utyala imali zabo, abatyali-mali abaninzi sinikele ingqalelo igama iziko-mali kunye lweFIFA kwayo phakathi kwezinye amaziko amatyala. Kodwa ke, xa kusenziwa, la manani azisoloko uphawu lwe ukuthembeka ebhankini. Umzekelo okuphawuleka i "RosinterBank". Iingxaki kunye kobunkokheli bakhe baqalisa kakhulu ngesiquphe. Funda ngaphezulu malunga ibhanki ukhathazekile kunye nobunzima kwakufuneka nazo, kuxoxwa ngezantsi.

Akukho kwakungekho zimpawu ingxaki: ulwazi ngokubanzi malunga ibhanki

"RosinterBank" - eliqela yorhwebo ibhanki endilisekileyo yokusebenza kwimarike zemali Russian ukususela ngowe-1990. Ukususela Umqala wamantla ayo, oko nje ngemali, kodwa kwakhona ukunika inkxaso epheleleyo abameli amashishini corporate, amancinane, aphakathi kunye enkulu.

network yayo yesebe ekugqibeleni yanda ofisi 40 ibekwe Tyumen, Yekaterinburg, Yaroslavl, Nizhny Novgorod, eSt Petersburg, Kazan, Krasnodar kunye nezinye izixeko kunye kwimimandla Russia. Ngoko waqala ukufumana amandla "RosinterBank" eMoscow waba kuye isixeko engundoqo apho ibekwe ebhankini, kunye ne-ofisi eyintloko.

Amabhaso neebhonasi yebhanki

Nangona khuphiswano enkulu kangangoko nengenzulu kwezinye imibutho yorhwebo, "RosinterBank" yaya ikhula nokuphuhlisa. Abanye lahamba ixesha, kwaye iziko mali iye yafumana namawonga, amabhaso kunye amabhaso. Umzekelo, akunjalo kungekudala kwixesha elidlulileyo, inkokheli bhaso liphezulu kudidi lwe "ebhankini asekelwe eluntwini" yalungiswa, kodwa omnye wamalungu ebhodi lawongwa ngebhaso omkhulu othi "Ukuze igalelo lobuqu kuphuhliso lokufunda nokubhala mali abantwana nolutsha."

"RosinterBank": kalo

RosinterBank ngokukhawuleza kakhulu waba iziko zemali odumileyo nezaziwayo. Ukongeza, ubukhulu asethi zayo, wangena top 70 iibhanki inkulu eRashiya. Kamva, lo mbutho weza kwi top 10 phakathi amaziko ezemali, eyaziwa ngokuba zenkonzo yawo lwabathengi Labuya. Kwakhona umsebenzi obalaseleyo zabasebenzi ebhankini kunye abathengi ezichongwe ngokubeka yakho inkampani oyithandayo kwi top ezilishumi "Ukulinganisa yaBantu". Kuyaphawuleka ukuba phakathi flagships phezulu zemali "RosinterBanku" ayiphumelelanga ngangosuku 2014 ukuya 2015.

amakhadi Credit kunye nezinye iimveliso yebhanki

Phambi kokuba kwaziswe wolawulo lwethutyana, ngokutsho angqina ezininzi, "RosinterBank" benza siboleka kumashishini kunye namakhaya. Ngokomzekelo, omnye yeemveliso ithandwayo ibhanki luthathwa imali ukuze imfundo. Ngayo, abafundi abaninzi bakwazi ukuhlawulela izifundo zakhe eyunivesithi. Kuyaphawuleka ukuba le program esisetyenziswa inkxaso ethile karhulumente yaye kwanala ngelo xesha, umyinge wenzala - 7.6% ngonyaka.

Enye siphakamiso ndanityela ibhange "Trust mortgage-mboleko", apho ke kwakufa engaphantsi (11,5-13,5% ngamnye ngonyaka) ngaphandle iimveliso mboleko efanayo eziveliswe namanye amaziko zemali. Xa igama, "RosinterBank" - na iirhafu nomtsalane, into eyenza ihluke kwezinye amaziko zemali.

Yintoni abantu ngalo ebhankini?

Kukholelwa ukuba phambi kokuba isicelo naliphi na iziko zemali, ukuze bafunde ncomo umsebenzisi kufuneka iinkcukacha kuqala. "RosinterBank" - iziko zemali anolwazi kunye namava omsebenzi, ngoko kubhaliwe apha kuqwalaselwa baseRashiya amaninzi. Ngokomzekelo, omnye ingabi sazilahlekisa iintlobo ngeentlobo yeemveliso zemboleko yekhredithi kunye neenkqubo imali. Enye wayethanda iimeko ezithandwa kakhulu iidiphozithi unyanisekile neemfuno ngaphambi kwexesha mali ubuyivalele.

Ukanti omnye bamsusa bethetha ngalo ngenkonzo ebalaseleyo bafumene kwi-ofisi, ibekwe i Kondratyuk esitratweni, d-3, yaye eli sebe kule dilesi ilandelayo :. eMoscow. Str. Maclay, d. 55.

Ezinye reviews egcina imali, ngokuchaseneyo, ibe ibali ekhala malunga inkonzo embi, nto leyo eyakhokelela ekubeni iqela iindleko ezongezelelweyo kwicala lomxhasi. Ngokufutshane, ngokokubona yomsebenzi ibhanki uqobo ahlukeneyo, kwakunye kubaxumi ngokwabo.

"Amnandi" kwaye bemlinga igalelo zombutho

Ukongeza iimveliso mboleko banikela "RosinterBank" iidipozithi kumntu ngamnye. Njengoko kwimeko-mboleko, iinkqubo imali ekulindeleke inzala aphezulu kunye neemeko noyilo nomtsalane kakhulu. Umzekelo okuphawuleka igalelo lwakutshanje othi "yeHolide +".

Ngokutsho imiqathango, beka kunokuba njengemali basekhaya okanye angaphandle ithuba leentsuku ezili-100 no-550. Le lenzala igalelo Ruble yaba 10.5-11.5%, kwaye lwemali amazwe - kwaye ukusukela 0.8 ukuya 2.4%.

Okubangel 'umdla kukuba, ulondolozo-mali inzala yenyanga efumanekileyo ngenxa card yakhe, nto leyo yavulwa kuye "RosinterBank" (ilayisenisi, ngasendleleni, ibhanki akakafiki asibuyise). Kwaye okona kubaluleke kakhulu, ukuba "Holiday +" wavuma ukurhoxiswa ekuqaleni yemali kumqolo we-30% okanye 60% ye ezisisigxina igalelo. Kakade ke, abathathi-nxaxheba kweprogram ngokuzenzekelayo ukuba umnini elivuyisayo kwivawutsha isipho-mali engange-20 000 (ngexesha draw lamabhaso evela ebhankini). Le ngoma, kungekhona isithembiso!

Enye "liyathandeka" Bank siphakamiso inkqubo "Ethile". Ukuba ekuqaleni, yena ndandicinga izinga-10% ngonyaka, ikufutshane zasehlotyeni rate ukuqala wakhula ku-12%. A idiphozithi "Luyingenelo +" ekuqaleni zinikezelwa simahla kubo bonke abafuna ukutyala imali yakho kwi-14% ngonyaka.

Ngenxa yoko, umgaqo-nkqubo ofanelekileyo zentengiso, etsala abantu kunye nabameli yeshishini, ilahlekile nje siphaphile. Zawubeka izimali zabo iziko lamatyala ezibonakala zithembekile, kwaye CB "RosinterBank" ayiphumelelanga ngenkohlakalo. Kwenzeka ntoni kuye? Kwaye yintoni unobangela iingxaki zawo?

Unobangela nefuthe, kwenzeke ntoni na le ebhankini?

Enye Septemba 9 abameli ebhankini ukhwaza kakhulu malunga card lakhe elitsha letyala, yenzelwe ootitshala. Kodwa emva kweentsuku eyadlulayo, i-ofisi kunye lonke isebe ezikhoyo imibutho zemali ziye zavalwa ngesiquphe. I-website esemthethweni rosinterbank.ru lombutho wayeka ukusebenza, yaye ifowuni umgca eshushu - Khubaza.

Ngenxa yoko, uninzi abagcinisa kunye nabaxhasi ze ibhanki kwakukho uphaphazele. Abaninzi kubo baqalisa ukuba babhale iimpendulo ngumsindo ( "RosinterBank" - iziko zemali, ukusebenza kunye oosomashishini, kunye nabantu), ukubuza imibuzo. Kwaye ezinye kufika kwi-ofisi kazwelonke wazama ukwaphula phantsi nemivalo, efuna nantoni na ukuze ukufumana ngaphakathi kwisakhiwo. Ke bonke bephela baba nomdla Umbuzo ophambili: "Kwenzeka ntoni?".

A ibhokisi nje wavula

Patience, abathengi ngokungafanelekanga "cwaka" ebhankini, ekugqibeleni wafumana iimpendulo. Kwathi kanti, "RosinterBank" (igalelo apha iya kuvulwa yamanye amazwe kunye zasekhaya) imise umsebenzi wayo ngenxa ye Central Bank of ukwayo. Loo nto, wachaza ezi zenzo njengenyathelo ngenkani, ezijolise nokumisela umfanekiso yokwenene yemali ebhankini.

Ngokutsho komlawuli ingxelo ukuba i "RosinterBanka" ngeli xesha ichazwe ezingazinzanga kunye engenamali. Kwaye ekubeni lo isisongelo ngqo amatyala kunye iimali, umsebenzi wakhe ngexesha lokubavelela kwagqitywa ekubeni ayeke.

Ukuqaliswa kolawulo yethutyana

Ngenxa yoko, inkqubo ye-Central Bank of the Russian Federation kwi "RosinterBank" (le ngxaki apha yaqala kutshanje kakhulu) yaye yaqaliswa ulawulo yethutyana. Ngelo lixa ndawo enoxanduva ngamxhelo yanikwa abameli YOSUKU (Idiposithi Insurance Agency). Amagunya abaphathi zabelo yeziko mali enqunyanyiswe okwethutyana.

ulawulo okwethutyana ebhankini sele kuqeshwa ithuba leenyanga ezintandathu waza waqalisa umsebenzi wakhe ngoSeptemba 15 kulo nyaka. Olu lwazi, njengoko ngawabo, ibhanki wakwazi ukupapasha kwi website yayo ngoLwesine. Ukususela ngoko iye lukhubazekile inkqubo iintlawulo ngekhompyutha kunye namakhadi azisahoywanga kwi iiclamps yentlangano zemali. Kodwa yintoni na unobangela ukunganeliseki enxulumene komlawuli?

Yintoni unobangela kungathenjwa ncam na Central Bank?

Ngokutsho baqinisekiswa ezininzi, "RosinterBank" nje wakhokela nkqubo abolekisa ophezulu umngcipheko, kodwa ngokuphandle Khimich usebenzisa iidipozithi. Ulwazi olufanayo malunga ebhankini esiqinisekiswe umthombo kufutshane umlawuli. Inani elikhulu imiba yavela kulo Central Bank ngenxa kwimo liabilities eveliswa umtsalane iimali abagcinisa zeziko ngetyala.

Kwathi kanti, iinkcukacha ezisemthethweni ebonelelwe umlawuli "RosinterBankom" iminyaka emininzi obabulingana ngokwemigangatho emiselweyo. Nangona kunjalo, la manani yokwenene, ngokutsho abahloli kufuneka ibe ngaphezulu kakhulu. Mhlawumbi oku yinyaniso. UMgwebi ngokuba wena, nje ngokuba kwikota yokuqala ngokwe data ongekho mthethweni, iindleko mali waphakamisa mali kwi-13.5% ngo-phantsi ngonyaka. Kodwa ngenxa yaloo msebenzi kakhulu ukuba kubonisiwe kumaxwebhu ebhankini. Oku kuthetha kuphela omnye ukuba iziko lamatyala lo mdlalo dino ezinxulumene nemicimbi ezingaqondakaliyo imali.

mboleko zizodwa imali

Xeshanye Kwilizwe xwebhu, "RositerBank" wabonwa phakathi ababolekisi ezinkulu kwimarike ozalwa ngayo. Ngokutsho iingxelo lokuqala, ekuqaleni kuka-Agasti izinga ratio lilonke amaziko zemali yaba ngaphezu kwama-30% yayo yonke ingeniso kwisixando sokwenziwa. Ngokuthe ngcembe, eli nani waqala ukukhula, njengoko abameli ebhankini, kuyabonakala ukuba, baba uxhomekeke ethile ababolekisi. Ukuba uyakholwa iingcali, ngoko iintshukumo hlobo yentetho yomboleki malunga neengxaki kunye amatyala ayo. Oku kwakhona kungqinwa nokubuyekezwa ezininzi egcina imali, lowo phambi kokuba isibhengezo imilinganiselo kwavela iimeko ezinjalo.

Abameli Bank babanjwa kwi eshushu

Mhlawumbi udiza lokugqibela kwimisebenzi ebhankini yaba scam akukacaci elisandula kubanjwa abameli balo. Ngokutsho emthonjeni, lo omalunga ukuya komlawuli, malunga nomsebenzi wasemzini "RosinterBanka" amarhe ezahlukene lezimali. Noko ke, khangela ukuchana okanye awuvisisani ibhanki engundoqo ayiphumelelanga kwingongoma ethile. Kwathi kanti, abameli umlawuli bagqiba ekubeni bathathe nabameli ezishushu yebhanki embi.

Ukuze benze oku, baye bathunyelwa kuyo indoda ezizenza-mali eziqhelekileyo, ngubani wagqiba ekubeni abeke imali ebhankini. Ngaxa lowo kuthiwa "RosinterBank" (idilesi yesebe umbuzo, ngelishwa, hayi ekhoyo), wathi kwakufuneka ixesha elide ukuya kwamanye amazwe, wathi malunga ukubala inzala.

Emva kwexesha elithile, omnye umthombo kwingxelo "mishandled Cossack" belubhala off isixa nth imali, nangona eneneni ngathi akazange enze. Ngenxa yoko, abameli ibhanki kaThixo elide ukuchazela ngabasebenzi umlawuli.

Ngelo xesha nye waqhuba uphando eneenkcukacha. Kuthathwa ukuba ezinye iimali kwabagcinisi, ngokunjalo kwiimeko "Arksbankom" yaye "MOSOBLBANK" ngokusesikweni ndawo inani. Kulo mzekelo, abanini ezi akhawunti babengamele basole kuyo. Zonke ezi ngongoma wengxabano kwaye kuhlolisisa emele ulawulo yethutyana.