Lapho kangcono ukukhipha amakhadi esikweletu iminyaka engu-19: passport, isicelo inthanethi, ngaphandle kukhulunywa

ukuthuthukiswa Ukubolekwa wenze ngokoqobo ukwazi ukuthola ukucutshungulwa loan imizuzu embalwa. Amabhange akudingeki ulwazi emiholweni, guarantors, ngokushesha hlola imibhalo futhi ukusungula nezidingo zamakhasimende. Namuhla, ngisho amakhadi esikweletu ikhishelwa kwengu-19, okungukuthi, abafundi abangenayo ngendlela engaguquguquki umthombo engenayo. Imininingwane eyengeziwe ngalokho baba ukukhipha kanjani futhi wamukele, funda ku.

izimfanelo

Abafundi ingakwazi, hhayi kuwo wonke umkhiqizo ebhange. Credit izikhungo ngokuvamile ukukhipha amakhadi kubantu eminyakeni engaphezu kwengu-21. okungukuthi abantu abaye baphothula izikhungo umkhuba bamazwe ngamazwe, iholo elincane kodwa uqinile, ezibhekwa eziqinile. Nokho, eminyakeni embalwa edlule, isimo sesishintshile. Amabhange baqala ukunikela izinhlelo lapho credit card nihlela ngisho umfundi ngaphandle kokushiya ekhaya. Isinqumo sokugcina kuncike ezingeni ezingaba ikhasimende ngezimali. . Ukutholakala imifundaze bamukelekile. Kodwa ngaphambi kokuba afake isicelo sokubhaliswa ekhadini kufanele ubale yonke imali yakho.

umgomo

Ukuncishiswa izimfuneko amaklayenti kwenziwa ukuze sandise ikhasimende yayo base. Ngakho-ke, amabhange abaningi bazimisele ukukhipha ikhadi lesikweletu ngaphandle imali yakho. Futhi ngisho isimo emakethe okungekuhle, ukwanda ingozi non-buyiselo kwezimali ayikwazanga kuthinte kakhulu isimo. ababoleka okungahle kwenzeke, kufanele uqaphele ukuthi wesikweletu kusukela eminyakeni 19 ngaphandle kokuqinisekisa imali esikhishwe eqolo senzalo.

ikhadi Youth

Lesikweletu abafundi bangafunda kanjani ukuze uwusebenzise kahle izimali ukuhlela izindleko sokukhokha imali ebolekiwe. On amakhadi afana kuvame ubeke umkhawulo encane, ukuze singathwesi uthole ezikweletini kuze kube izindlebe zabo. Nge umkhawulo enjalo Ungathenga into zakho ozithandayo ukukhokha scholarship hhayi akhokhe inzalo. Lesikweletu abafundi ngokuvamile eyenziwa ngetinsimbi letimbili, kunikeza ithuba ukuze uthole amabhonasi futhi uthole izaphulelo. It is zihlukaniswa i ukuklanywa kanye nezindleko kancane yesondlo.

Indlela yokwenza intsha lesikweletu?

Isinyathelo sokuqala siwukuba ukutadishwa emakethe futhi ukhethe ebhange. Imigomo ezinye amabhange izinsizakalo Youth Card izokwethulwa ngezansi. Esigabeni esilandelayo - kuhambisa kwesicelo nokuvunywa umkhawulo wesikweletu. Ungenza lokhu ngezindlela ezimbili:

• vakashela yasebhange, ugcwalise ifomu bese ukuqoqa isethi ephelele imibhalo;
• ukukhipha i-inthanethi isicelo ifomu nge website futhi wamukele isiqinisekiso imvume loan.

Obolekayo kumelwe ahlangabezane nezimfuneko ezithile. ukucutshungulwa Isicelo isikhathi zokhahlamba kusuka amahora ambalwa kuya ezinsukwini ezimbalwa. Ukwamukela ikhadi kunoma yiliphi ibhangi kudingeka ipasipoti Russian. Lowo Mbhalo wangonyaka we yesibili kungenziwa ethulwa:

• iphasiphothi;
• Kamazisi yasebusosheni;
• ilayisense yokushayela;
• isitifiketi 2-PIT;
• INN;
• ikhophi yencwadi umsebenzi, nokunye. d.

Isethulo idokhumenti yesibili uzothola ikhadi emigomeni esihle, ezifana anda umkhawulo wesikweletu noma ngesikhathi encishisiwe rate service.

ukwehluleka

IBhange ungenqaba ukukhipha ikhadi ngaphandle kokunikeza isizathu. Ngokuvamile, ukuntuleka preconditions liwumthombo unomphela engenayo, lokuhlala alikho esifundeni ohlala kulo. Kodwa lokhu akusho ukuthi iklayenti akusho uzokwazi ukusebenzisa ikhadi lesikweletu. Ngokuvamile izinto ezinamandla ngenxa yesizathu esisodwa yasebhange kungase kungabi njengebalulekile kwesinye isikhungo credit. Uma wenqaba kwelinye ibhange, musa Nikhathazekeleni ngoba ungahlala ugcwalise isicelo ikhadi lesikweletu at kwesinye isikhungo. Ngakho-ke, izicelo zamakhadi wesikweletu ne engu-19 elibiza ukuthumela ezikhungweni eziningana ngesikhathi esisodwa.

Amamephu nge-Internet

isicelo Online ngoba udaba ikhadi luqhutshwa yiningi izikhungo eziningi obolekisayo. Ngokuvamile kuba isifinyezo sezinto amakhasimende abanentshisekelo umkhiqizo othize (igama, inombolo yocingo, oyifunayo isikhathi ukubiza). Umphathi icubungula ulwazi wathola futhi ikhasimende obuza wayimemela ehhovisi ukuqoqa ukwaziswa okwengeziwe futhi nixoxe imigomo esikhethekile sesevisi.

Ekhona amakhasimende ongafaka isicelo isicelo ifomu online kuyinto ukukhipha amakhadi ezikweletu. Zonke ulwazi umboleki bevela ebhange kakade. It uhlala kuphela ukucacisa umkhawulo wesikweletu, ukukhulula ikhadi bese uthumela ku iklayenti. Kulokhu, thina kuyodingeka ulinde izinsuku ezimbalwa kuze khadi usithumela ngeposi.

Ngaphambi wayala lesikweletu nge iminyaka engu-19 nge-inthanethi, udinga ukukhetha sipho best kwisayithi, ngokugxila hhayi kuphela kwi esiphezulu umkhawulo wesikweletu, inani lenzalo yonyaka, kodwa futhi phezu Imali, ikhomishini yokuziphatha imisebenzi. Kubalulekile futhi ukuqinisekisa ukutholakala ATM emzini ohlala kulo. Kungenjalo, sokuhoxiswa izimali ezivela akhawunti kuyodingeka bakhokhe i ikhomishana eqolo.

Kunalabo amabhange lapho isicelo inthanethi ingena esikhundleni iphepha uzakwabo. Kulokhu, kumele iqukathe ulwazi mayelana amaklayenti. Ngokuvamile ukucela ukwaziswa iphasipoti, inombolo yocingo, esifundeni ohlala kulo. Yonke imininingwane enikeziwe liqinisekisiwe ngokusebenzisa i-credit bureau. Elihambisanayo isikhungo sezezimali aphendvule yonke imibuzo futhi wathi imigomo yesevisi ngalolo suku kusukela ngosuku ukuthumela isicelo iklayenti. Uma zisuthe ngokuhle ikhasimende, ibhange ikhipha credit card kanye ithumela yona ikhasimende ngeposi. Ukuqalisa ngokuvamile kwenziwa ngokusebenzisa i-ATM noma ngesikhathi sesevisi ucingo ikhasimende.

Yikuphi amabhange udaba amakhadi esikweletu iminyaka engu-19?

Credit card zikuvumela ukuthi ulondoloze isikhathi ku yezitolo. Kodwa ukukhipha Into yokukhokha kunzima ngempela. Akubona bonke izinhlangano zilungele ukukhipha ikhadi lesikweletu umfundi osakhula, ngubani, ngaphezu scholarship, azikho ezinye izimbangela engenayo. Labo izinhlangano ezinikeza amakhadi esikweletu nge iminyaka engu-19 ( "Alfa-Bank", "MDM", "Vanguard"), setha emikhiqizweni enjalo ngesilinganiso 50%. insimbi okunjalo inkokhelo ukuze cashless kukhokhelwe izimpahla. Ngakho-ke, sokuhoxiswa izimali ngokusebenzisa ATM usethe ibhidi ephakeme. Imvama, kuba 5% + nani. Ake sihlole eduze amalungiselelo emakethe.

"Tinkoff"

IBhange ungumholi emakethe yasekhaya ukukhipha imali yamaphepha plastic ngaphandle izitifiketi. Ngasiphi yobudala ungathola ikhadi lesikweletu? Kusukela engu-18 kuya ku-70. Umkhawulo umboleki olulodwa kukhawulwe 300 ayizinkulungwane. Deda. Ngaphezu kwalokho, ibhange inikeza izinga aphansi emakethe imikhiqizo efanayo - 24,9%. Iphinde kuthinta baningi evela kumakhasimende. Imigomo Yesevisi ezibhekwa ngamunye yeklayenti ngayinye.

"Ibhange lase-Moscow"

Lesi sikhungo credit ngaphandle imali udonsa ezifana amakhadi esikweletu nge 19 "amaphesenti ongaphakeme" (Classic futhi Gold), "Isipho shrine." Ukuze ukusetshenziswa esiphezulu umkhawulo wesikweletu obuyizinkulungwane 350. Hlikihla. yasebhange uyala 29,9% ngonyaka. Izikhungo zakudala amamephu mahhala. umnikazi Igolide credit card kuyodingeka bakhokhe ayizinkulungwane 1.5. deda. Zingakapheli izinsuku eziyi-50 ngemuva kokuhlinzwa ukuze sisihlakulele leso sithakazelo ekhokhwa akuyona ibalwa.

"Renaissance Credit"

Ibhange Wenyusa "ikhadi esobala" nge umkhawulo ayizinkulungwane 300. Hlikihla. ngaphansi 24-40% ngonyaka. Umkhiqizo iyatholakala kumakhasimende abaneminyaka engu 20-70. Sam inqubo yokubhalisa kuthatha imizuzu engu-15. Imali yonyaka yekhadi kuyinto ruble 900 inkonzo.

"Standard Russian"

Credit card ne engu-19 "ejwayelekile Russian" nezindaba. Inhlangano has isiphakamiso ethakazelisa kakhulu. Map RSB Umhlaba Cash Emuva kunikezwa amakhasimende abaneminyaka engu 25-65 at 29% nangaphezulu. Ukuze ukusetshenziswa umnikazi ikhadi ukukhokhela ruble 950 ngonyaka. Ikhadi ikhishwe hhayi ngokushesha, kodwa zingakapheli izinsuku ezintathu ngemuva kokuthola isicelo kusukela iklayenti.

ebhange yokulondoloza

Okuqukethwe "intsha ye-credit card" kungaba izikhungo ezinkulu zezimali yezwe. Lo mkhiqizo iyatholakala kumakhasimende kusuka iminyaka engu-18 kuya ku-30. Inani lapho ezingaba umboleki bangathembela, ezisukela 3 kuya kwezingu-200. Hlikihla.

"Gazprombank"

Ukunikezwa ibhange okuningi okufana overdraft kuka ukuqedela credit card. IBhange linikeza amakhasimende ayo ithuba ukuthola imali-mboleko ngo-inani amaholo ezimbili Isilinganiso sanyanga zonke (kufika ku eziyinkulungwane 500. Hlikihla.) Ngezinye 20% ngonyaka. Le sevisi itholakala abantu abaneminyaka engaphezu kwengu-20.

"Uralsib"

A sesikweletu inikeza wonke umuntu oneminyaka engu-20, bahlele Visa kanye MasterCard amakhadi zakudala nge ongu- 10 kuya kwezingu-500. Hlikihla. Imali yokulawula isikweleti incike imibhalo okufakiwe. Uma ikhasimende wakwazi ukuqinisekisa izinga labo imali, bangathembela a 21% ngonyaka (18% - lwemali angaphandle). Kubo bonke abanye abafisa amakhadi ayatholakala 24% ngonyaka (21% e currency angaphandle).

"Raiffeisenbank"

A sesikweletu inikeza wonke baphakathi kweminyaka engu-iminyaka engu-18 ukukhipha ikhadi classic kanye umkhawulo 15 kuya kwezingu-150. Hlikihla. Icala sevisi 24%.

isiphetho

Credit card engaphansi kuka-19 eziklanyelwe abafundi futhi intsha umthombo elincane kodwa engaguquki imali. On imikhiqizo enjalo inqobo encane umkhawulo wesikweletu futhi amazinga ngokulinganisela. Akuwona wonke isikhungo sezezimali uzimisele ukunikeza izimali libolekwe umfundi. Kodwa ungakwazi ukhethe best phakathi amabhange yasekhaya.