"Ezezimali kanye Credit": Izibuyekezo futhi Izinkinga

"Ukrainian Commercial Bank" yasungulwa ngo-1991. iminyaka 4 kamuva ke saqanjwa ngokuthi "Ezezimali kanye Credit". Kwaphela isikhathi eside sesikweletu esebenza ngaphandle kwezinkinga. Ngo-2013, iBhange senzeka 13 ohlwini NBU ngokuya amafa. I shareholder main yinkampani "Ascania" (45.92%), Chao F & C Realty (41,58%), kanye umzuzi - usomabhizinisi Konstantin Zhevago. Kusukela 2014 sohlelo ebhange, "Ezezimali kanye credit" kwehle kakhulu ngenxa yenkinga nge solvency.

Imiphumela yezimali

Phakathi ngekota yokuqala ka-2015 izimpahla yebhange kukhuphuke ngo-21.2% ngenxa ukukhula ezifakwa (at 3.310 bhiliyoni USD.). Ngesikhathi esifanayo, ukulahlekelwa zaba kwezigidi ezingu 715,7 UAH., Lokho izikhathi 13 ezingaphezu kuka ngonyaka odlule. Ngenxa yesimo esinzima kwezomnotho kanye sezombusazwe kuleliya lizwe, amakhasimende amaningi engasakwazi ukufeza izibopho zabo ebhange. Ngakho-ke, isamba e izindleko ukunikezela anda izikhathi 3 kusukela 211,9 laya ezigidini ezingu-688,4 USD.

Bank "Ezezimali kanye Credit": izinkinga nge ezifakwa

kwakunzima kakhulu Ukraine jikelele kanye yasebhange wemboni ngokukhethekile Ngonyaka odlule. Ukulandela ngokuwa Ukrgas ezikhungo "," Rodovid "," Brokbusiness "futhi" Nadra "emakethe Ukrainian inganyamalala Bank" Ezezimali kanye Credit ". Izibuyekezo emabhange ukukhathazeka izinkundla futhi isiteleka esiqhubekayo phambi isakhiwo NBU senze isimo sishube.

Kwaphela isikhathi eside bamasheya ephethwe ukufihla isikhundla nzima sezimali zenhlangano. Izinkinga zaqala lapho dollar wanyamalala kwabebhange. "Ezezimali kanye Credit" (Ukraine) uyekile ukukhokhela iminikelo amaklayenti, bephawula yokuntuleka lwemali ngokheshi. Ukuphendula noma yikuphi ukuphawula ngabasebenzi ahlinzekwa ukuthi bajoyine ulayini phezu Ukukhishwa zamadola. Umkhawulo lokho iklayenti ungalindela - kungcono ithuba uthole $ 100. Hhayi imali, kodwa kuphela kungenzeka. Kulesi lwemali ezifakwa Bank lokuqala "Ezezimali kanye Credit 'ubuyela iklayenti e UAH ngokuvumelana olusemthethweni NBU izinga. Umahluko izinga emakethe bekulokhu okukhulu, ngakho ke abantu abanengi uyavumelana scheme elinjalo. Khona-ke baziyeka ukunikeza imali. Njengoba hryvnia futhi izimali zakwamanye amazwe.

usizo ngaphandle

Zonke isikhulu ikhasimende waphendula ngokuthi refinancing olulindelekile ebhange "Izimali Imithombo", futhi wacela ngizobuya ngemva kwezinsuku ezimbalwa. Ngokwe-Central Bank, izingxoxo phezu nokutjhugulula zenzeka kusukela 2014. Kodwa ke umzuzi main wenqaba uthele imali ku sikhungo.

Kodwa ngo-February 2015, NBU akuniké inhlangano loan kuqiniswa of $ 700 million UAH. nge ukuvuthwa zeminyaka 2 ngaphansi yesondlo - ebalulekile impahla eziyinkimbinkimbi. Kwathathwa isinqumo anda Juni 2015 emhlanganweni bamasheya ongavamile inhlokodolobha ogunyaziwe ngokubheja ukwabelana ezengeziwe for ingqikithi 1, 972 bhiliyoni USD. Priority kwesokudla ukuthenga amalungelo ezinkampani kukhona bamasheya main, "Askania" Chao LLC F & C Realty.

"Ezezimali kanye Credit": Izibuyekezo ikhasimende

Nakuba ngaphansi uhlelo refinancing sikhungo credit litholé inani elithileko lemali ukubuyisela impahla ibe yimali, amaklayenti kuseyinkinga. Izimali izinhlangano ezingokomthetho kukhona esimweni eqandisiwe, ngaphandle ukunyakaza. Abantu abakwazi asuswe isamba eyeqa 2 ayizinkulungwane. UAH. ngosuku. Ngesikhathi esifanayo kwabikwa ukuthi ukhokha inzalo emalini ezifakwa Bank "Ezezimali kanye Credit". impendulo kwamakhasimende uqinisekisa ukuthi ngempela imali beqala ukuza-akhawunti yekhadi. Kodwa inhlanhla akuyona yonke into, kodwa yilabo kuphela abenza bavumile isikhathi eside yesivumelwano. Kodwa mayelana abanamacala yabo ebhange akabakhohlwa. Credit inhlangano engachithi isikhathi esiningi ukuthengisa ilungelo lokufuna abathelisi shí ezikweletini, futhi yena bafaka icala. Ngenxa yalokho, amakhasimende kufanele ukhokhe isamba esikhulu ukubolekisa sekwephuzile futhi izinhlawulo, okuyinto ngezinye izikhathi lidlule inani oyinhloko.

Isazi Amathiphu: Indlela ukuze ibuyisele le mali

Ukuntuleka kokukhulumisana zezimali ihlangabezana akuyona kuphela eyodwa yasebhange, "Ezezimali kanye Credit." izinkinga solvency ziye zathinta eziningi izikhungo ezinkulu kuleli zwe. Kodwa ochwepheshe bathi ungabuyela imali ngaphandle kokuya enkantolo.

Indlela eyodwa: ukushintshashintsha idiphozi loan

Leli cebo isebenza kuphela uma kokubili imikhiqizo ahlotshiswe ibhange efanayo. Kodwa umehluko wemisindo nemiqondo yamagama kudingeka kuxoxwe ngazo ngokuqondile isikhungo credit. Eminyakeni ethile edlule, isikimu exchange okunikelwe besithathu. Umnikazi idiphozithi umboleki rewrote iminikelo yabo. Yomhlomuli kusebenza Bank "Ezezimali kanye Credit" (Ukraine) nesicelo ukubala ukonga credit score. Khona-ke lo muntu obolekayo ngokheshi zikhokhelwe depositor inani izikweletu ku loan. Ngenxa yalokho, kuqala ukususa izikweletu, kanye nezinye, babethola imali. Isaphulelo ziyahlukahluka phakathi 20-50%. Kodwa ngisho ne umehluko yokuthi abantu abakwazi ukukhokhela sonke isikweletu sendlu 500 ayizinkulungwane. UAH., Ukukhokha ngokheshi kwesigamu salelo nani. Kodwa ukuntuleka isiqondiso zomthetho zalezi ubudlelwane ivumela noma iyiphi umangalelwa nofana umangali enkantolo inselelo kuthengiselana.

Indlela ezimbili: ukubhala isikhalo NBU

Uma isikhungo credit uyayazisa idumela layo futhi akafuni ukwenyusa ubuhlobo umlamuli, izenzo ezinjalo bese ushukumiseleka ukuba ubuyele izimali iklayenti.

Guqula ezifakwa libe izabelo

yasebhange State, "Ezezimali kanye Credit" abanelisi futhi idinga imijovo ezengeziwe. Ngakho-ke, abasunguli yanquma ukwandisa inhlokodolobha nokulingana ngokukhipha nokwabelana. National Bank muva okunikelwe zimali ukushintshashintsha ezifakwa kwabo ukwabelana inhlangano credit. intshiseko Lukhulu kulesi siphakamiso ayibangelwa sabantu. Kungani kufanele izibambiso ngumhlali abavamile yenkampani ebhange? Ngisho eKhupro, lapho wemboni yasungulwa kahle ngaphambi crisis babheka ithuba elinjalo beqonda omubi. E-Ukraine, ne kahle isebenze stock market izindaba ezinjalo zingaholela kuphela ongeziwe outflow capital.

Trial njengendlela indlela yokuphuma

Akuwona amakhasimende amaningi uyavuma bona amangalele. Ikakhulukazi uma izindleko idlule inani idiphozi. umkhuba yeKambiso ikhombisa ukuthi ikhambi ezimweni eziningi luzakwenziwa esivuna iklayenti. Ngempela, ukwehluleka ukubuyela idiphozi esephule Article 382 Criminal Code of Ukraine. Futhi namhlanje ke iyindlela ebukhali kakhulu ekululameni izikweletu.

Abameli belulekwa ukuba silungiselele kusengaphambili futhi ziqale inqubo yokuxhumana ibhange kuphela ngokubhala. Okokuqala udinga ukuthi uthumele isicelo ngesicelo sokuqeda imiphumela idiphozi sivumelwano (ukubambezeleka ekutholeni ke kumele bucaciswe kule dokhumenti). Isitatimende kufanele ithunyelwe ngeposi eliqinisekisiwe, noma ngeposi noma ukubhala ngeduplikhethi. On the yesibili kufanele kube inombolo engenayo, usuku amaphepha yokubhalisa. Uma isikhungo credit ngemuva kokuphela kwenkontileka akukuniki imali, omema yezizathu ezihlukahlukene, kufanele uthintane ne izikhalazo ukuze Usihlalo Bank kanye NBU. Ngemva kwalokho kufanele afake isicelo enkantolo.

Isikhalazo kufanele bakhombise hhayi kuphela imfuneko ukubuyela lemali idiphozi futhi isithakazelo, kodwa futhi ukugcizelela ekukhokhweni izinhlawulo kwemigomo (ngokuvamile kuba 0,001%, esiphezulu 10% lemali idiphozi). Ungakhohlwa mayelana umonakalo zokuziphatha, inhlawulo yokukhokha sekwedlule isikhathi. Kukhona ithuba lokuwina emuva 3% of isamba ilibele ukumboza kwamandla emali.

Icala kungathatha isikhathi eside (kusuka izinyanga ezimbalwa iminyaka eminingi) kanye nemali. izindleko zokulawula zihlanganisa izindleko zenkantolo (1% inani isimangalo, esiphezulu 3654,00 UAH.). Izindleko usizo lwezomthetho, lapho ububanzi amanani esikhulu kakhulu, ungase uthole ummangalelwa.

Abaphathi abaphezulu banesibopho

Amakhasimende abahlupheka kakhulu wakhonza sicelosikhalo ukwenza esemthethweni loMkhandlu anemikhawulo phesheya, imyise ubulungiswa, futhi bathathe impahla ukubala imali esalele. Leli cebo kudinga isikhathi eside uphenyo owandulela ukuqulwa kwecala, ekuthathweni kwezinqumo kanye nokugcizelela umusho. Inkinga lapha itholakala lokuthi ukuthi ummangalelwa angase neze impahla eyanele ukukhokha izikweletu ku ezifakwa ngesithakazelo. Into yesibili: ummangali kumele ngempela zifakazela ukuthi abaphathi sahluleka ukufeza isinqumo senkantolo ngamabomu. Kuthatha izinyanga. Nokho, abameli zithi le ndlela kuyinto umzabalazo esizwakalayo imali kanye emabhange nethuba athethwe yicala.

Ukuthembeka ebhange, "Ezezimali kanye credit" kwehle kakhulu. zithinteka kakhulu amakhasimende kusukela Donbas kanye eCrimea. Naphezu uwine icala, ukubuyela izimali yilabo ababamele namanje bengayi.

Ukuvulwa icala umphathi phezulu akuqinisekisi kokuthola idiphozi, kanye nenzalo. Kodwa ngokuqinisekile ukuphoqa bebhange ukulalela izinkinga zabantu futhi uqale nokuzixazulula. Uma ungenzi lutho nhlobo, khona-ke inkokhelo kungaba noma cha ukulinda, noma ukuthola imali kusuka Idiphozithi Isiqinisekiso Isikhwama.

Ubani okufanele amangalele

Refinancing Bank "Ezezimali kanye credit" imiphumela kulindeleke aye ubusengakehliswa. Ukuqhubeka NBU ukubambezeleka ukwethulwa ngesimiso sokuqondisa zesikhashana, kwakuya kuba nzima uzothola imali. Amakhasimende deposit lemali ayeqi kuqinisekiswa isimo 200 ayizinkulungwane. UAH., Imali bazothola. Umbuto ukutsi lapho. Kodwa lo mshwalense ngobukhulu kufanele basheshe ne isivivinyo futhi bazobopha ukungena kube nesimiso sokuqondisa zesikhashana.

isiphetho

Ngenxa yesimo esinzima sezomnotho ezweni kulo nyaka odlule esuka emakethe kwathatha izikhungo ezinkulu 5. Isinyathelo esilandelayo, "Ezezimali kanye Credit" Bank. Izibuyekezo kwamakhasimende ukuqinisekisa ukuthi eminyakeni yamuva nje iye yaba nzima kakhulu ukuthola edingekayo idiphozi futhi isithakazelo kuyo. Amakhasimende wachaza ukuthi isikhathi akusebenzi ngenxa yokuntuleka imali esebhange ukubuyisela imali. Ochwepheshe ukweluleka ezimweni ezinjalo noma ukushintshanisa idiphozi loan, noma ukufaka isimangalo futhi ulungele umbango eside futhi izindleko ezengeziwe zezimali. Kulokhu, uma ngabe inani elifakiwe idlula ayizinkulungwane 200. UAH., Bese isivivinyo kungcono hhayi alibale.