"BIN" - imibono ochwepheshe kanye abathengi

JSC "BIN", ukubuyekezwa okukuvumela ukwenza ezihlukahlukene iziphetho, yasungulwa ngo-1993 ngu-1 Novemba. Okwamanje, inethiwekhi lesifunda we isikhungo sezezimali amahhovisi ezingaphezu kuka-120 ezengeziwe, 26 zazo zitholakala ngqo enhlokodolobha yase WaseRussia. Ukuthuthukiswa okusheshayo of ibhange wamvumela ngo-2008 ukuze sandise ngezithukuthuku omunye izimbangi zayo: JSC "Bashinvestbank" kabaze baba lakho ukuma yokucindezela kunezinkinga zemali global futhi waphoqeleka ukuba ukufuna uxhaso ngaphandle.

Ekupheleni kuka-2004, "BIN", amazwana kusukela ochwepheshe okuye isebangeni ke njengoba inhlangano elikhula ngokushesha, yaba ilungu isimo uhlelo umshwalense idiphozi. Ngaphansi kwalesi simiso, njalo ikhasimende inhlangano yezimali ingase ancike imali yesibambiso kwezimali zomphakathi, uma ibhange kuthiwa ayinamali futhi awukwazi ukukhokha izikweletu zabo. Ngemva kweminyaka engu-5 kuphela ubudala, ngo-March 2009, "BIN" ebhange ngendlela efanele egunyaziwe futhi wathola isimo ebhange ejenti ekuhleleni Russian umshwalense idiphozi.

Isu lokuthuthukiswa we isikhungo sezezimali

izindlela ezintsha wasebenzisa kokubili ukuthuthukiswa kwezinhlelo ezintsha kanye kukhethwa ukuthuthukiswa esilandelayo ebhange, makangabi kuphela ngendathane ukwandisa inhloko-dolobha yabo, kodwa futhi kuhlelwe ukwandisa abolekise yabo. Kule minyaka embalwa edlule ngamunye isikhathi nokubika, isikhungo sezimali sikhombisa okungenani pyatnadtsatiprotsentny ukukhula umthengi obolekisayo.

Ngaphezu kwalokho, "BIN", ukubuyekezwa zazo ushiye ngisho bezimali ovelele, liqhubeka yayo amakhasimende base. Kuphela ezinyangeni zokuqala ezimbalwa 2012 , le zezimali nesikhungo usezuze cishe abantu abayizinkulungwane ezingamashumi ayisikhombisa amaklayenti entsha ezizimele kanye nezinhlangano engaba izinkulungwane ezintathu zomthetho.

Njengengxenye lisu futhi yamukelwa kwabasebenzi eBhangengodla, inhlangano njalo futhi kancane kancane okwandisa yayo share capital. Ukulandela imiphumela udaba olwengeziwe lamasheya capital yayo kuleli hlobo liye landa ngamaphesenti ruble ezingaphezu kwezigidi eziyizinkulungwane ezingu-3.

Kuncike izinhlelo inzuzo

"BIN", ukubuyekezwa ongatholakala tente imibono okuhle nokubi, ngenkuthalo ukusebenza Government of the Russian Federation futhi inikeza izinhlelo esikhethekile imiphakathi sengozini amazwi. Bahlanganisa ezifana mortgage loans isimo ngezimali, njenge:

• Aphathimenti "umndeni abasha" - ngaphakathi ke ungathola-40% we yentengo e yokukhokha eyodwa njengoba inkokhelo phansi;
• I "womama inhlokodolobha" - ngaphakathi kohlaka yayo ungathola ruble ecishe ibe yizinkulungwane 420 for ngcono izimo zokuphila noma emfundweni yezingane;
• Nokuthathelwa okumelwe asinike amabutho Russian - wayithola udinga ube yilungu nohlelo olukhethekile ukwethembeka, itholakala kuphela amalungu amabutho Russian Federation;
• Aphathimenti "othisha abasha";
• Aphathimenti "ososayensi abasha".

Namuhla, ukuze uthole uhlelo ezinjalo kungaba kunoma iyiphi igatsha ebhange "BIN". Amakheli lamagatsha alo kungatholakala kokubili kusayithi esemqoka ye inhlangano yezimali, kanye iqoqo Amakhasi wesikweletu wabathengi touting amasevisi abo.