Ibhange "West": ukubuyekeza amakhasimende futhi Ochwepheshe

Vula Joint Stock Inkampani Bank "Western" kuyinto eMoscow commercial inhlangano yezimali eyasungulwa ngo-1993. Ukukhishwa amakhadi esikweletu kanye loans umthengi - ukheshi kanye non-cash - uhlelo ethandwa kakhulu ahlinzekwa ibhange "West". Uphenyo izakhamuzi eziningi Russian enizibiza njengoba udoti services ayo, futhi uwasebenzise. ezindaweni zayo eyinhloko umsebenzi kukhona loans, imali kusukela savers abavamile futhi izibambiso zokuhweba. Yini amasevisi scaring abantu imizwa enjalo okuxubile?

Ibhange "West" - loan

isikhungo lwezezimali ukunikela izakhamuzi Russian omningi izinhlelo credit ne ngamazinga angafani. Kwamanye ukubolekisa bengase bazikhandlele 70% ngonyaka. Nokho, ukuthola imali ngaphansi izinga okusezingeni eliphezulu enjalo umboleki kumele beze kuphela nge passport. Lapho ikhipha inhlangano iziqinisekiso ngesimo isiqinisekiso noma eseduze iklayenti into has a sethubeni elihle ukuthola isizumbulu semali ngenzalo ephansi. Ngakho kungenzeka ukukhipha umthengi credit, esihlinzeka ibhange "West". Amazwana ngalolu hlelo akhayo, kodwa abasebenzisi eziningi akhononde sengqondo kubo wabantu abaqoqa ebhange. Ezimweni eziningi ukunganeliseki ezihambisana bakuchwensa phezu ingxenye kummangali. Abaningi ukuchaza amaqiniso lokuhlukunyezwa maqondana umboleki.

Ibhange "West" - iminikelo

Lapho obeka izimali umbandela esiyinhloko kukhethwa isikhungo sezezimali kumele ibe okusezingeni eliphezulu lenzalo, njengoba abantu abaningi becabanga, nokwethembeka. Uma ibhange uthembisa izinzuzo okusezingeni eliphezulu kunoma ubani izobeka izimali zabo kulo, kungasho izinto eziningana:

• Okokuqala: ebhange imele on the esengozini ucabanga futhi baphoqwa nganoma iyiphi indlela ukuqoqa izimali. Kulokhu, imali idiphozi ngeke Cishe uye akhokhe izikweletu kwenhlangano.
• Okwesibili, ibhange uhlanganyela lebhizinisi elihlotshaniswa ingozi eliphezulu kakhulu. Kulokhu, ungalahlekelwa imali yakho esikhathini esifishane.

Ibhange "West", ukubuyekezwa okuyizinto ngempela eziphikisanayo, linikeza amakhasimende ayo ezihlukahlukene idiphozi izinhlelo. Noma ubani ofuna ukuba zisebenze nalawo isikhungo sezezimali, kufanele sikhumbule ukuthi namuhla yonke imali basuke insured isimo. Le nqubo iyasebenza igalelo nganoma yiluphi uhlobo lwemali. Iklayenti uzothola isinxephezelo uma ibhange uya ukuphelelwa yimali. It kungalindeleka uma lemali idiphozi ingeqi ayizinkulungwane 700. Hlikihla.

Uma umuntu esenze iminikelo amabhange ahlukahlukene, isinxephezelo ezocatshangelwa ngamunye icala ngabanye. Ibhange "West", okuyinto libuyekeza ushiye kokubili ezimbi futhi omuhle, isigunyaziwe ukubamba iqhaza komphakathi ohlelweni umshwalense ngo-2003. Manje iyiphi iklayenti kungaba ngokuphelele azolile isikhathi esingaphezu imali yakho elele ebhange. Kunoma ikuphi uyakwamukeliswa ngibabone kusukela ebhange ngesikhathi ekupheleni kwethemu yesivumelwano noma isimo njengoba umshwalense.