I esinhle amakhadi esikweletu

Noma yimuphi self-ukuhlonipha ebhange namuhla inikeza amakhasimende credit yayo amakhadi. sici yabo eyinhloko - inzalo-free grace period, noma basebenzise izikhungo imali, noma umusa-isikhathi.

Yini, eqinisweni, inzuzo?

Isikhathi - isikhathi lapho imali lathathwa ebhange lungabuyiselwa ngaphandle kwenzalo. Isimo main - ukukwenza ngokugcwele kuze ekupheleni kwethemu bavumelana.

Kunengqondo ngokuphelele disadvantageous ngoba isevisi yasebhange - a isikhathi somusa. Empeleni, namuhla abantu abaningi ezingadingekile. Ayayikhokha isithakazelo futhi izinhlawulo ukuqinisekisa inzuzo yebhange.

umboleki Zibe Abantu Abadala Abavuthiwe ngokuhlakanipha bakale "kochwepheshe" futhi "nebubi", kuyoba lula ukusebenzisa imali ebhange bese wenze umsebenzi wabo imali kubo (kokuthi ekhishiwe, isibonelo, okomnikelo iphesenti ezinhle).

izici ukubala

Iningi abathengi services yasebhange akulona njalo delves zibe udaba bese uyaqonda uhlelo kwesikhathi esihle. Eqinisweni, kulula. Namuhla amabhange isikhathi somusa ihlukaniswe yaba izingxenye ezimbili. Eyokuqala imayelana 30 izinsuku futhi ikuvumela ukuba wenze ukuthengiselana ngesikweletu. Okwesibili, mayelana 20-25 izinsuku, senzelwe buyiselo imalimboleko. Umphumela uba ukuthi kwesikhathi somusa kungathatha izinsuku 55 (kuye ngokuthi usuku lokuthenga).

ongakhetha abolekise ezihlinzekwa amabhange, kwakunabesifazane ababili nje kuphela: noma inkathi izinzuzo iqala usuku lokuthengwa sokubhalisa, noma ngosuku lapho ngamabomu esabekwa ebhange.

Uma inzuzo iqala kusukela ngosuku oluyonqunywa yasebhange

Lapho ikhadi has isikhathi somusa yalolu hlobo ngokuvamile ziqala ngokubala inkathi kusukela ngosuku lokuqala lwenyanga ka noma ngemuva komhla ukusebenza ikhadi, bese kuthatha kwezinsuku ezilinganiselwa kwezingu-30. Futhi konke ukuthenga ngokufingqiwe, kanye ekupheleni kwesikhathi limenyezelwe, kumele abalutholayo akhawunti yasebhange.

Lo mhlomulo ubhekwa bakuhlanekezela, njengalokhu, isibonelo, ukuthenga ezenziwe ngasekupheleni kwenyanga, has a esifushane loan kwenzalo. Kodwa inani ngenyanga lokukhokha ngemuva kwenyanga into efanayo. Ukuze abathengi, abathengi ngokuvamile, lokhu kukhetha ukubala elula kunazo. Engingakusho nje ukukhumbula isiqalo nesiphetho kwesikhathi somusa kanye nosuku kulethwa lokukhokha nyangazonke. Ngokuvamile, amabhange, ngokuhambisana nemigomo kwesikhathi esihle ithunyelwa isitatimende sanyanga zonke okwe-elekthroniki okuya iklayenti noma i-SMS-umlayezo, okhombisa inani izikweletu futhi ngokuya okwenza kube ebhange.

Uma inzuzo iqala kusukela ngomzuzu kuthengiselana

Kulokhu-ke, kubonakala, konke kulula. Inkathi entshisakalweni khulula buyiselo kwezimali Bank iqala kusukela osukwini othenge futhi ihlala izinsuku ezingu-30 ngokwesilinganiso (kuncike isikhungo esithile). Kodwa uma umnikazi we ikhadi isikhathi somusa kwenza ukuthenga eziningi ezincane, kungenzeka uthole bedidekile futhi umane ubuyisele amanani kanye nezinsuku.

izinkinga ezingase zibe khona

Abakwazi kwenzeke uma iklayenti okungenani kanye ukhohlwe ukukhokha izikweletu noma ukwenza inkokhelo yanyanga zonke edingekayo. Isithakazelo kuleli cala, ibhange uzokhokha futhi okusele eside loan, futhi umusa. Ukuze angabuyisela izikweletu, ungasebenzisa omunye izindlela ezintathu:

1. Kuvunyiwe ukwenza yasebhange inani noma igatsha yalo.
2. Beka imali ATM ngezithukuthuku ebhange ayemkweleta.
3. Yenza imali ethunyelwe ngocingo kunoma iziphi Se elula.

Lapha-ke kubalulekile ukucabangela caveat. imali eyenziwe ebhange elikhiphe (inketho lokuqala) kuphela, iya ku-akhawunti ngosuku olufanayo. Izinkokhelo ezivela kwamanye amabhange amakhulu angaya izinsuku ezintathu zebhizinisi.

Namanje kwenzeka, isimo esinjalo lokukhipha lekhadi lesikweletu njengoba inkokhelo saziso. Le nkokhelo nyangazonke ngokunqaba inkontileka, futhi ngokuvamile ingeqi 10% lemali mboleko. Ukuziba kulezi izinkokhelo, ngisho noma umboleki ukhokha inzalo, esongela izinhlawulo kanye lokuvinjiwe.

The best ebhange credit card kanye isikhathi somusa

Kwenqwaba lesikweleti isebenza kulesi simiso: ezinsukwini zokuqala amathathu okuthengile zabo izimali ezibolekwe, okuyinto Kudingeka sibuyele ezinsukwini ezingu amabili. Kodwa kukhona ababolekisi ezinikeza isikhathi somusa sezinsuku kuze kube anamakhulu mabini. Isimo main ukuthi kumele kuhambisane iklayenti - lokukhokha nyangazonke. He is hhayi ningi than 5% wezindleko izikweletu lemali.

ukubolekisa Mahhala kusukela ezingu-60 200

izipesheli obukhulu MasterCard noma ye-Visa Ikhadi lasebhange "Avangard". Kuyenzeka iklayenti owangena kungekho lesikweletu noma okokuqala uCoetzee. Imali ngenyanga leli khadi - 10%.

Uma ekupheleni lwenyanga yesikhombisa kusukela ngosuku isitolimende esilandelayo ngeke ukhokhelwe Ukukhishwa ikhadi, ibhange ukhokha inzalo emalini zonke izinsuku 200 grace period. Ngesikhathi esifanayo izinga ayakuvela inyanga kuya kwenye.

Umkhawulo wesikweletu kuhluka 10 kuya kwezingu-150 futhi ophinde uvuseleleke.

Hhayi ngaphansi ikhadi obuhle isikhathi somusa (Bank "Promsvyazbank") izinsuku 145. Nikeza kuphela ngowokuqala ukukhokha futhi ungasebenzisi ama-credit cards kuleli phuzu. isikhathi Mahhala iqala kusukela ngenyanga sokukhishwa ikhadi. Ngakho-ke, amathuba uyakuba mkhulu, uma uthola ke ekuqaleni kwenyanga. Umkhawulo wesikweletu ka "Promsvyazbank" kuyinto ruble ayizigidi 600. Kwezimo non-imithetho eBhange senzalo kuyinto 34,9%.

Abathandwayo kakade yatha- Card "Twins" kusukela "Alfa-Bank." Gratuitously zisebenzisa imali lesikhungo kungaba engamakhulu izinsuku. Amazing ikhadi has amaqembu amabili besebenza. Omunye - credit, kwesibili - abadonsi. Ngokwemvelo, imininingwane zihlukile, kuhlanganise i-PIN. I umkhawulo wesikweletu kwi "Twins" - kuze kube ama-ruble ayizigidi 300, futhi isithakazelo, uma kufanele ukhokhe, - 18,99%.

Enelukuluku ngemigomo yekhredithi olunikezwa amabhange (nge isikhathi somusa kumephu ezingu-60) "Uralsib" futhi "Rosbank". Kugcine kodwa umusa-isikhathi, kwenza kube nokwenzeka engabhekiseli kunoma imuphi yenethiwekhi emoyeni ukubhuka amasevisi travel. Umkhawulo wesikweletu kuhluka ayizinkulungwane 300 ukuze kwesigidi, inani lenzalo - 24,9%.

"Uralsib", ngaphandle ngonyaka wokuqala wenkonzo khulula, ezinikezwe iziteshi "Lukoil" izaphulelo.

Amakhadi esinhle credit, "Yar-yasebhange" ejwayelekile ihlala ezingu-55. Nge iphesenti elincane (17.5%) kungaba ruble kuze esigidini.

Omunye ethandwa kakhulu amakhadi esikweletu wabadlali kanye abalandeli novelties electronic - Kanobu yasebhange "Tinkoff. Credit Systems ". Yena isamba evuselelekayo - ruble ayizigidi 700. Kodwa lokhu akulona ezibalulekile. Ukukhokha nge Kanobu kwisayithi, umsebenzisi 10% isaphulelo, njengoba ngenhlanhla futhi umlingani izitolo waziphatha ukudayiswa electronics. Isithakazelo ngaphesheya isikhathi somusa - 23,9. Futhi imali ukuhoxa leli khadi lesikweletu ayibizi.

Cash nge-credit card? Sicela!

Njengoba sazi, ama-credit cards azenzelwa cashing. Kodwa emzabalazweni amabhange iklayenti baye ezivuna ahlukahlukene Ukukhishwa imali lawa makhadi. Zonke ezicashile ebekiwe inkontileka. Badinga azijwayeze ngokucophelela. Nazi ezinye zazo:

• Isilinganiso sekhomishini kungenzeka kunaleyo ATM "izihambi".
• IKhomishana yokuThuthukiswa ukhipha izimali ayo - futhi akuyona into engajwayelekile.
• Uma ixhunyiwe ikhokhwe inketho ukuhoxa ukuze ikhadi lesikweletu, uKhomishane, cishe ngeke, kodwa isikhathi somusa - kakhulu.
• Imingcele ukuhoxa angancishiswa izinsuku noma izinyanga. Yebo, futhi ungakwazi imali phandle endaweni ethile zonke umkhawulo, futhi kwezinye izimo - nengxenye encane kuwo.

Kuhle amadili ukuba ukuhoxisa ukheshi kusuka ikhadi lemali

Namuhla abathengi abaningi amasevisi yasebhange wathenga amakhadi esikweletu ukuze imali. Kodwa lezi amakhasimende indawo eyingqayizivele kwaqala ukuvela ikhadi lasebhange. Ake sihlole ngezansi.

amabhange Phezulu

Omunye wabaholi kulesi siqondiso - "Alfa-Bank". Kukhona ibalazwe ngomumo ezinsukwini ezimbili kumadokhumenti ezimbili. Ziphethe zonke ubuchwepheshe banamuhla ngokunenzuzo, okuyinto isiqinisekiso ukuphepha futhi adambise ukuyisebenzisa.

Lesi sikhungo ingenye engcono intanethi ( "chofoza-Alpha"), khulula izaziso ze-SMS, a cashback kuhle ukuthenga, okuyinto engenziwa ngaphandle contact, inani elikhulu grace period (ngokheshe, indlela, ziyasuswa nge akukho ikhomishana). Amabhange umlingani (basuke elicacisiwe inkontileka) kubuye ukuhoxa khulula. Ngamanye amabhange ikhomishana kuyoba 1%, kodwa hhayi ama-ruble angu esingaphansi 150. Umkhawulo wesikweletu - 750 ayizinkulungwane ngenyanga.

Budebuduze ngemuva kanye "Raiffeisen Bank" nge "ikhadi cash". Wenziwe aphume idokhumenti efanayo. Izinga lenzalo yemali mboleko kuyinto 34%. Uma ekuphetheni inkontileka ukunikeza isitatimende engenayo, izinga lehla 29%. Ukuphuma imali ikhadi mahhala hhayi kuphela "Raiffeisen Bank" futhi "Rosbank". Omunye "kodwa" - ngemva cashing Umusa nkathi iphela, futhi inzalo konke.

I-Debit card "Iholo" by "Union" ebhange iyatholakala mahhala, futhi Imali yesevisi yonyaka icala. Umkhawulo wesikweletu - ku ezahlukene ruble 5000 300 000. Kubalulekile ukukhumbula ukuthi isikhathi somusa, ibhange "Union" alinikezi. On nokulingana Inzalo ibalwa. It ekhishwe passport, kodwa kuphela uma ikhasimende uhlanganyela iphrojekthi iholo Bank futhi izimali zawo zazilotshiwe ezingaphezu kuka-10 000 kulo odlule ezinyangeni ezintathu (ohlanzekile). Imali nyangazonke 10% uthishanhloko kanye isithakazelo, futhi kumelwe abekwe kungakadluli inombolo yesihlanu.

Cash kuhoxiswe ngaphandle ikhomishini, kodwa ngosuku - akukho kuka 180 000, futhi inyanga akukho kuka 450.000.

"Credit card nje" kusukela "Citibank" - a yasebhange umkhiqizo esiyingqayizivele. Cash angasuswa nganoma yingasiphi emhlabeni mahhala. Phakathi wonyaka Imali yesondlo futhi icala. Amaphesenti e esigabeni maphakathi - kusuka 13.9 kuya 32,9%. Isikhathi - ezingu-50 - cash ukuhoxiswa asisebenzi. Amakhasimende ukwazi: ukuvuselela ikhadi ehhovisi kubiza 750 ruble, futhi nge-Internet - mahhala!

Salary "RosEvroBank" Uhlelo ivumela yimuphi ikhadi lesikweletu ukuze zikhiphe imali mahhala. Nikeza kuphela umhlanganyeli kwalolu hlelo. Izindleko yaminyaka yonke ikhadi kuncike sebhithi yayo. Kodwa inani lenzalo kanye umkhawulo wesikweletu zicatshangelwa ebhange ngamunye yeklayenti ngayinye.

Lisho ukuthini "Savings Bank"

Isikhathi kule nhlangano credit - kufikela kuzinsuku ezingu-50. Nokho, ukuze ugweme inzalo, kubalulekile ukuba sihlole ngokucophelela isiphakamiso.

Into esemqoka okufanele uzicabangele: kwesikhathi somusa iqala kusukela ngosuku wokufaka isicelo kuyi ikhadi, hhayi usuku lokuthenga, njengoba emabhange kakhulu. Lolu suku uzobe eziboniswe imvilophi ne-PIN khodi. Nge kuthathela pyatidesyatidnevka khulula zisebenzisa imali ebhange, amabili awo kubhekwe lenkathi yokukhokha. Kule nkathi udinga ukwenza izinkokhelo ngenyanga yokubika. Ngakho, oyithandayo izinsuku 50 yilesi:

• isikhathi nokubika izinsuku ezingu-30 ubude, kwakhiwa okuyinto ekupheleni idokhumenti lokukhokhisa (kuhlu zonke ukuthenga inani)
• kwesikhathi sokukhokha, ozobakhona ezingu-20.

Ukushayela ukusetshenziswa ikhadi lesikweletu "Ukulondoloza" efana okulandelayo:

1. Isicelo Ukukhishwa ikhadi futhi kusebenze.
2. Ukusetshenziswa imali ebhange sika izinsuku ezingu-30, ngaphandle kokuhamba kwenkululeko umkhawulo.
3. Ukuthola idokhumenti umbiko ngokuthenga.
4. Ukutadisha usuku okwenza nokukhokhwa kwezimali kanye nesamba.
5. Sokukhokhwa kwesikweletu esilandelayo.

Abanye abantu bakholelwa ukuthi uma ukuhoxisa ukheshi kusuka lesikweletu, bese ubuyela ngesikhathi, akudingeki ukuba akhokhe inzalo. Lokhu kuyinganekwane. "Sberbank" isikhathi somusa inikeza kuphela yokukhokha non-cash. Lapho nje imali uzobe selishintshiwe (ngoba kuzothatha ikhomishana), inzalo enqwabelene kuwo wonke izikweletu. Futhi lena 24%.

Endabeni ka ukwehluleka ukukhokha yonke imali edingekayo ukuze ukuboleka athwale isithakazelo ngesilinganiso ephansi, futhi iklayenti akudingeki kuphela ukwenza izinkokhelo ubuncane. Ngo "Sberbank" bakha 5%. Uma le mali ku-akhawunti ngeke uvele, ngokuvumelana inkontileka, kuyoba khona accrual yenhlawulo futhi inani lenzalo ngeke ikhuphuka ku-38%.

Thumela scriptum

Cash kusukela ikhadi lesikweletu "Ukulondoloza" ngakolunye kungaba nganoma iyiphi indlela elula ukuze uthumele ngokusebenzisa Internet Banking, esibulalayo, yasebhange mobile. Lapha into esemqoka - ukwazi ukuthi inani idluliselwe kufanisa ukuze Ukuhoxiswa imali nge yonke imiphumela yaso.

Nciphisa isithakazelo wokusetshenziswa kwemali yensimbi kwezimali ungenza uma ngokusebenzisa ukugcina noma internet ukudluliselwa komunye e-isikhwama, futhi ngoba kungaholela ikhadi lemali. Kulokhu, ikhomishana kuyoba 1.75%.