Isevisi ebalazweni "Ummbila" "Inzalo ebhalansi"

Amakhadi okukhokha ePlastiki aseyisikhathi eside abe yithuluzi elidingekile nelithandwayo lokukhokha izimpahla namasevisi. Kuze kube manje, kunenqwaba yezinhlinzeko zalo mkhiqizo ezivela ezikhungweni zezimali ezahlukene nezinhlangano. Enye yezinhlobo zokukhokha okushiwo yikhadi lesikweletu. Kulesi sihloko umkhiqizo "Ummbila" uzocatshangelwa. Inzalo ebhalansi enikezwa yi-Euroset, ihlukanisa la makhadi kusuka kwezinye izinhlinzeko.

Mayelana nebalazwe "Ummbila"

Namuhla, enye yezinsimbi zokukhokha okunenzuzo kakhulu futhi elula yikhadi le-Euroset. "Ummbila" ukhiqizwa yile nkampani. Okwamanje kunezinhlobo ezintathu zamakhadi afanayo. Uhlobo oluthandwa kakhulu futhi olusakazekayo yi-MasterCard PayPass. Leli khadi i-Euroset ine-chip yokuzivikela eyakhelwe ngaphakathi. Ngaphezu kwalokho, libizwa futhi lingasetshenziswa nazo zonke izinhlobo zabafundi. Enye inzuzo yekhadi le-MasterCard PayPass yamukelwa isithakazelo kubhalansi lwezimali ku-akhawunti. Yiqiniso, inani lezintshisekelo eziqoqiwe alibalulekile kakhulu, kodwa noma kunjalo inketho enjalo ibhonasi enhle.

Imephu ye "Ummbila" ingatholakala ngokushesha futhi kalula. Lokhu kunenzuzo ukuhlukanisa phakathi kweziphakamiso ezifanayo zezikhungo ezithile zebhange. Ukubhalisa kuzothatha cishe imizuzu engama-5 kuphela. Ngaphezu kwalokho, ukukhululwa nokugcinwa kokukhululekile kuyinkululeko.

Wonke amaklayenti oneminyaka engu-18 angathola ikhadi kwelinye lama salons we-Euroset. Ukuze wenze lokhu, udinga ukuletha iphasipthi yakho namarublekhi angu-100 ukugcwalisa i-akhawunti. Kule cabin imizuzu emihlanu ikhishwa ekhadini lekhasimende le "Corn". Ungabhalisa futhi ku-intanethi kuwebhusayithi esemthethweni. Ngaphezu kwalokho, lapho uthengwa esitolo "i-Euroset" yama-ruble angaphezu kuka-3 000, umthengi uyophinde anikele ukukhipha "ummbila". Ukukhipha ikhadi eliphakeme lezinga eliphezulu, uzodinga ukufaka ama-ruble angu-200 ngokuqondile ku-akhawunti. Lezi zimali zizohlala zikhona kumthengi, uzokwazi ukuzithenga. Umkhiqizo onjalo ubizwa nge-MasterCard World.

Ungathola kanjani intshisekelo ebhalansi ku-akhawunti emephini "Ummbila"?

Njengoba kushiwo ngenhla, "Ummbila" unikezela abanikazi bawo ithuba lokukhetha ukukhokhela imali ngemali yabo siqu. Amakhadi anomaphesenti ebhalansi ayaziwa kakhulu nsuku zonke. Ukuze usebenze lesi sici, udinga ukuvakashela i-Euroset salon bese ufaka isicelo sokuxhuma. Eqinisweni, inketho ebalazweni "Inhlamvu" inzalo ibonisa idiphozi isikhathi sezinsuku ezingu-91. Kufana nediphozi yasebhange. Ukushaja ibhalansi ekhadini kwenzeka lapho inani le-akhawunti lingekho ruble angu-159. Inzalo Cishe ngo-5-8 ngonyaka.

Kumele kugcizelelwe ukuthi u-8% utholakala ngesimo sokuthi inani ekhadini lidlula ama-ruble ayizinkulungwane ezintathu. Uma ngabe imali ingaphansi, inani lesithakazelo liyancipha libe ngu-5. Ngesinye isikhathi, kuze kube ngu-Novemba 10, 2015, bekukhona ukukhokhiswa okusebenzayo kubhalansi ekhadini lika-10%. Kodwa namuhla izimo zishintshile.

Iyini inzalo ebhalweni ebalazweni "Ummbila"?

Empeleni, iklayenti yenza utshalomali ePervobank. Lesi sikhungo sezezimali sibambisana nenkampani ethi "Euroset", okuyinto ngaphansi kwebalazwe layo ebizwa ngokuthi "Ummbila". Leli bhange liyaziwa ngegama layo elihle nokukala kwesamba. Ngesinye isikhathi, i-Pervobank ihlangene nezimpahla nge-Promsvyazbank, okuyiyona efanele yokuphatha isikhundla esiphezulu eRussian Federation. Amaqiniso anjalo abonisa ukuthi abanikazi be "Ummbila" bangaqiniseka ngokuzinza nokuthembeka komnikelo wabo.

Kumele kuqashelwe ukuthi inzalo isetshenziswe ekhadini le "Ummbila" ebhalansi namaphoyinti ebhonasi lapho wenza ukuthenga kusuka kubalingani be-Euroset. Uhlelo lwebhonasi lunikeza ukubuyiselwa kwama-1.5% wezindleko zemikhiqizo ngenxa yokuthengwa kwempahla yamabhonasi atholakalayo esaphulelo. Lesi sipho sikuvumela ukuba uqoqe izimali ezengeziwe, bese uwasebenzisa ukuthenga.

Izinzuzo zabanikazi bemephu "Ummbila"

Wonke umnikazi wemephu "Ummbila" angasebenzisa izinzuzo i-Euroset ezinika abanikazi balo mkhiqizo. Ngakho-ke, iklayenti inikezwa ngolwazi lwe-SMS mahhala, umshuwalense we-8% ngonyaka, ithuba lokukhishwa ngamabhule ayizinkulungwane ezintathu ngenyanga ngaphandle kokuqoqa ikhomishini. Ngaphezu kwalokho, kufanele kugcizelelwe ukuthi imephu "Ummbila" isebenza iminyaka engu-6 kusukela ngosuku lokubhalisa. Futhi, iklayenti ngayinye ingathenga ngemali yangaphandle ngezinga leBhange Elikhulu leRussia Federation futhi yenza imali ngokudluliselwa ngaphandle kwekhomishana kusuka ebhange elinye kuya kwelinye ngaphakathi kweRussian Federation. Zonke lezi zinzuzo zenza kube nenzuzo ukusebenzisa umkhiqizo "Ummbila" (imephu). Ungabhalisa kuyi-intanethi kuwebhusayithi esemthethweni.

Abanikazi bemephu "Ummbila" bangadlulisela ku-ruble ayizinkulungwane ezingu-150 ngenyanga ngenyanga yamakhadi afanayo. Futhi kunethuba lokubamba iqhaza ekukhusheni "Ukuhlomula Okubili" futhi uthole inombolo enkulu kakhulu yamabhonasi okuthengwa kwezimpahla ngokulandelana ngezaphulelo. Kumele kuqashelwe ukuthi umkhawulo wesikweletu ungaxhunyaniswa ekhadini. Ngesikhathi esifanayo, kubalulekile ukugcizelela ukuthi umnikazi wekhadi kuzodingeka akhethe futhi agcine noma umkhawulo wesikweletu usebenza noma ukuthola isithakazelo ebhalansi le-akhawunti ekhadini le "Ummbila".

Ukubukezwa okufutshane kokungcola

Naphezu kwezinzuzo ezibalwe, lo mkhiqizo unezinselelo eziningi. Isici esingahle kakhulu sekhadi kungukuthi kungenzeka ukugcwalisa i-akhawunti ngaphandle kokuqoqa ikhomishana kuphela kwi-salon ye-Euroset noma nge-automobiles refuellings ye-TNK. Ngaphezu kwalokho, imingcele emisiwe ekusetshenzisweni kwemali ayivumeli ukusetshenziswa kwemephu ye "Ummbila" njengendawo yokugcina eyisisekelo. Uma uhoxisa ama-ruble angaphezu kwezinkulungwane ezintathu ngosuku, ikhomishini engu-1% ikhokhiswa.

Uhlelo lwebhonasi lemephu "Ummbila" luzuzisa kulabo abathengi abenza inqwaba yokuthenga. Amaphuzu anikezwa uma uthenga into ethile kwezinye izindawo zokudayisa. Kodwa, naphezu kwezinombolo ezimbalwa, imephu ye "Ummbila" ihluke kakhulu kwimikhiqizo efanayo yamanye izinkampani. Iphumelela kahle yenza umsebenzi wekhadi lesikweletu lesipele . Ngaphezu kwalokho, uma usebenze isevisi yokushaja inzalo ebhalansi ye-akhawunti ungathola kancane futhi uthole imali engenayo. Inani eliqoqiwe ngale ndlela ngeke libe likhulu kakhulu. Kodwa inzalo itholakala ngesiqinisekiso sokuthi kungenzeka ukuthi uhoxise.

Uhlelo lokuthembeka

Umnikazi ngamunye wemephu "Ummbila" ngokushesha ngemuva kokuba ukubhaliswa kwayo kube yilungu lenqubo yebhonasi. Isebenza kanjani futhi yiziphi izici zayo? Kulula kakhulu: uma umnikazi wekhadi enza okuningi ngokuthenga ngosizo lwe-Euroset yokudayisa, amaphuzu amaningi athola i-akhawunti yebhonasi. Ukuthengwa ngakunye kulezo zitolo kubuyisela i-1% yenani lezimpahla kumnikazi wekhadi le "Ummbila".

Phakathi kwabalingani be-Euroset ababambe iqhaza ohlelweni lwebhonasi yi-Ozon, ru, Booking.com, i-Ostrovok, i-Ebay, i-Aliexpress.com, i-Kari, i-Nike nezinye izinkampani.

Ikhadi lesikweletu kumakhadi

Abanikazi bebalazwe "Ummbila" banethuba lokuthola isikweletu ngaphansi kwenqubo elula. Ukuze wenze lokhu, udinga ukuvakashela enye ye-salon "Euroset" futhi usebenzise. Uma kukhona isinqumo esihle ekunikezeni isikweletu, bese kuthi emaminithini angu-10-15 ikhadi lizothola imali, ngaphezu kwalokho iklayenti izothola umlayezo wombhalo kumakhalekhukhwini okwaziswa kokudluliswa kwemali ethile.

Imalimboleko enjalo inikezwa ngamabhange amabili: HomeCredit ne-MFI MILI. I-HomeCredit ihlonipha umnikazi wekhadi "Ummbila" ngenani lama-ruble ayizinkulungwane ezingu-10 kuya ku-100, isikhathi esingangezinyanga ezingu-36. Ngesikhathi esifanayo, isilinganiso senzalo singu-29.9% ngonyaka. I-Mili inikeza ithuba lokuboleka kusuka ku-3 kuya kwezingu-30 zama-ruble ngezinsuku ezingafika ku-30. Ngesikhathi esifanayo, amanani entengo avela ku-0.2% kuya ku-2% ngosuku. Ngaphezu kwalokho, ukuthola imali mboleko ku-MILI, kumele ube yilungu lomunye womphakathi.

Ukubuyiselwa kwemali mboleko, ungasebenzisa i-salon Euroset, ikhono lekhabhinethi yomuntu siqu lomnikazi wekhadi noma uhlelo lokusebenza lweselula. Lezi zinketho zilula kakhulu futhi zinenzuzo. Ngaphezu kwalokho, ungakhokha ngemalimboleko ngokusebenzisa ama-ATM noma iminyango yemali yezikhungo zebhange. Kulokhu, ikhomishini izokhokhiswa. Ngesikhathi esifanayo, kungenzeka ukuthola i-microloan.

Umkhawulo wesikweletu "ekhadini" lekhadi

Abanikazi bangasebenzisa inzuzo yokukhetha. Ngokufanayo, sebenzisa umkhawulo wesikweletu bese uvula ikhadi lakho libe inguqulo yesikolo esigcwele. Ngaphezu kwalokho, amakhasimende athola ithuba lokusebenzisa isikhathi somusa lapho ikhadi le "Corn" linikeza. Isithakazelo semali mboleko ayitholakali isikhathi esingangezinsuku ezingu-55. Ukuze usebenzise umkhawulo wesikweletu, udinga ukuvakashela i-showroom ye-Euroset noma ugcwalise ifomu ekhasini elisemthethweni lemephu "Ummbila". Njengomthetho, kuthatha imizuzu engaphezu kwengu-30 ukuthola isisombululo.

Imikhawulo yemalimboleko inikezwa yizikhungo ezinjalo zebhange njengezikweletu ze-Renaissance kanye ne-Tinkoff Credit Systems. Ngaphandle kwalokho, ukuxhuma komkhawulo kuyinkqubo elula futhi elula kunokuthola imali egcwele. Isamba esiphezulu singama-ruble ayizinkulungwane ezingu-300. Ukuxhuma umkhawulo wesikweletu, umnikazi wekhadi ukwanele ukuhlangabezana nezidingo zeminyaka ebhange futhi abe nomsebenzi wesikhashana. Ukukhokhwa kwemalimboleko kungaba ku-salon yenkampani ethi "Euroset", ihhovisi lomnikazi wekhadi, usebenzisa uhlelo lokusebenza lamadivaysi eselula, ama-desk cash cash kanye nama-ATM.