Ngingakhipha kuphi ngokushesha ikhadi lesikweletu ngaphandle kwesitifiketi semali engenayo?

Ikhadi lesikweletu namuhla liyithuluzi jikelele elisheshayo ngaphandle kokubunzima livumela ukuxazulula imibuzo eminingi yezezimali. Ngosuku ngalunye oludlulayo, izinkokhelo ezingekho ukheshi ziba zithandwa kakhulu. Amabhange amaningi anquma ukwenza konke okusemandleni ukuze athole ilungelo elinjalo noma ubani onentshisekelo angahle abe nemigomo emihle kakhulu. Ake sizame ukuthola ukuthi singakhipha kanjani ikhadi lesikweletu ngokushesha, singakwenza kanjani, yimaphi amadokhumenti azodingeka.

Kungani amabhange enza ukuvunyelwa

Eminyakeni embalwa eyedlule, ukuze uthole ikhadi lesikweletu noma umboleko, kwakudingeka ukuba uhambe ngezinqubo eziyinkimbinkimbi. Kwakuhlanganisa ukuqoqwa nokulungiswa kwemibhalo eqinisekisa imali engenayo, ukucinga abaxhasi kanye nemigqa ende. Manje konke kuhluke ngokuphelele.

Uma kukhona umbuzo mayelana nokuthi kungenzeka kanjani ukukhipha ikhadi lesikweletu ngaphandle kokubhekisela, udinga nje ukuhamba ku-intanethi. Izicelo manje zithunyelwe ku-inthanethi, ngakho-ke ungakwenza lokhu ngekomishi yekhofi eshisayo.

Kungani le nqubo yayilula? Mhlawumbe lokhu kwabangelwa ukukhuphisana phakathi kwezikhungo ezahlukene zezezimali. Ukuze ukhange amakhasimende amasha futhi ugcine amabhange amadala enza konke okusemandleni ukuqinisekisa ukuthi izinsizakalo zabo zizuzisa kakhulu futhi zilula.

Izinzuzo zesevisi

Kunzima ukukholelwa ukuthi kuneziphakamiso zebhange lapho ungakwazi ukukhipha ngokushesha ikhadi lesikweletu ngaphandle kokunikeza inani elikhulu lamadokhumenti. Cabanga ngezinzuzo zalesi sevisi:

1. Awudingi ukuqoqa izitatimende ezengeziwe zemali engenayo kanye neminye imibhalo.
2. Awudingi ukuma emigqeni. Ungafaka isicelo sekhadi ku-intanethi.
3. Izindleko zenzalo ephansi.
4. Isevisi yamakhasimende angu-24.
5. Ikhono lokuhoxisa imali noma kuphi emhlabeni.
6. Isikhathi esincane sokusebenzisa isevisi sineminyaka engu-18.

Uma ufuna indawo ongayikhipha ngayo ngokushesha ikhadi lesikweletu, funda ukunikezwa kwamabhange amaningana bese ukhetha inzuzo enkulu kuwe.

Uhlangothi olungezansi lwemali

Kuyaziwa ukuthi azikho izimpahla namasevisi afanelekayo. Izingibe zalo zingatholakala kunoma yikuphi indawo, amabhange ahlukile. Kubonakala sengathi konke kuzwakale kumnandi kakhulu, noma kuphi lapho ungathola khona izinkomba lapho ukhipha ikhadi lesikweletu ngokushesha ngaphandle kwezitifiketi. Ngaphezu kwalokho, bebelokhu bekhipha kusukela useneminyaka engu-18, akukho abaqaphi. Uphi ukudoba?

Izingozi zebhange zinkulu, ngoba abasebenzi abazi ukuthi iklayenti ihola ngokwanele ukubuyiselwa imali. Ukuntuleka kwenkonzo yokukhishwa kwekhadi ngaphandle kwezihambeli kanye nezinkomba kungatholakala eyodwa kuphela, kodwa kubalulekile. Izinga lokuthembela kumaklayenti liphansi - lokhu kusho ukuthi ibhange ngeke likwazi ukuhlinzeka ngemali eningi. Imali mboleko encane kuphela yezidingo ezithile, uma kunesidingo esiphuthumayo. Uma kwenzeka umuntu ebuyisela isikweletu ngesikhathi, umlando wesikweletu uqala ukuboleka. Ngokuhamba kwesikhathi, ukuzethemba kuyakhula, umuntu angakwazi ukuzibandakanya, ukuze akhuliswe ngumkhawulo ongakwenzelwa ngemalimboleko.

Uma ufuna indawo yokukhipha ngokushesha ikhadi lesikweletu, ngoba imali eningi iyadingeka ngokuphuthumayo, le nsizakalo ayihambisani nawe.

Indlela yokuthola ikhadi lesikweletu

Ikhadi kulula kakhulu kunoma yisiphi isakhamuzi esingumuntu omdala wezwe lakho ukuthola:

1. Uhlola ukunikezwa kwamabhange futhi ukhethe lapho ungakha khona ikhadi lesikweletu ngamagama ahle kakhulu.
2. Gcwalisa isicelo. Kunezindlela ezimbili ezenziwe ngazo, kungaba ku-intanethi noma ehhovisi lebhange elikhethiwe.
3. Uma ngabe isicelo sigcwaliswe ku-intanethi, umxhumanisi uzoxhumana nomklayenti esikhathini esizayo esiseduze ukuqinisekisa ngefoni imvume yokukhishwa kwekhadi nokucacisa kabusha idatha.
4. Ngemuva kokuthi ibhange linikeze impendulo enhle, kuzodingeka uye ehhovisi bese ukhetha ikhadi lakho.
5. Kuhlala nje kuphela ukuhoxisa imali ngezidingo ezidingekile futhi ngesikhathi sokubuyisela umboleko ukuze ugcine umlando omuhle wesikweletu.

Amadokhumenti adingekayo

Ukukhipha ikhadi, ibhange lidinga idatha yekhasimende, ikhodi yokuhlonza. Ukuhambisa kuphela ipasipoti kanye nenye idokhumenti eyengeziwe efakazela ukuthi ubunikazi buyadingeka.

Kubalulekile ukuqonda ukuthi ulwazi oluthe xaxa mayelana nawe lunikeza iklayenti, liphakeme amathuba okuthola imali enkulu emakhadini.

Amaphepha engeziwe

Idokhumenti eyengeziwe yokukhishwa kwekhadi lesikweletu ingaba yimihlobo emibili:

• Ikhadi le-Identity;
• Kubonisa isimo esithile sezezimali.

Imibhalo engenzeka:

1. Ipasipoti yangaphandle, lapho kukhona amanothi wokuthi umuntu uhambela phesheya.
2. Isitatimende se-akhawunti ye-deposit noma enye ikhadi lebhange.
3. Amadokhumenti emoto. Kungaba umshwalense, amalungelo, ipasipoti yobuchwepheshe.
4. Uma ufuna ukuthola umkhawulo wesikweletu esikhulu, ungathumela isitifiketi semali engenayo kanye nekhophi yencwadi yokusebenzela.
5. Inqubomgomo yomshuwalense wezempilo.
6. Amanye amahhovisi asemabhange aseMelika abuye ahlole izikweletu ezibhekiswe kumaklayenti.

Amakhadi Ezikweletu Zomfundi

Kukuphi okungcono ukukhipha ikhadi lesikweletu kumfundi oneminyaka engu-18 ubudala? Ake sicabangele izinhlinzeko ezidumile.

1. "Tinkoff". Ikhadi likhishwa kuphela epasipoti, isicelo siyabhekwa ngosuku lokukhalaza. Izinga lentela lihluka kusuka ku-24.9 ukuya ku-45.9%. Umkhawulo yi-rubleki angu-300,000.
2. Promsvyazbank. Isiphakamiso esithakazelisayo kakhulu sekhadi lesikweletu. Ukukhokha emuva ku-5% yinkonzo ehloselwe ukuthengwa kwempahla yesigaba esithile. Ngomsebenzi osebenzayo, ukugcinwa kwekhadi kukhululekile.
3. MoneyMan. Isicelo semali mboleko ekhadini sithathwa njengosuku lokudluliswa kwesicelo, udinga kuphela ukuhambisa ipasipoti. I-MoneyMan yithuba elihle lokuthola isikweletu ngokushesha futhi ngaphandle kwezinkinga. Amakhadi kunoma yimaphi amabhange asekelwa.

Amakhadi esikweletu kubantu abafinyelele eminyakeni engu-18 abanalo umkhawulo omkhulu. Isamba esiphezulu esithunyelwe yi-rubles angu-150,000. Uma kusasele isikhathi esiningi esisele ngaphambi kwe-scholarship noma iholo, futhi ubhekana nezindleko ezingalindelekile, lesi samba sizothola ngokwanele. Ngaphezu kwalokho, uzothola umlando omuhle wesikweleti, bese ungathatha izikweletu ezinkulu uma kudingeka.

Amakhadi esikweletu kubantu asebekhulile

Abanikazi bempesheni, uma kunesidingo, bangathola futhi amabhange amaningana lapho kusheshe akwazi ukukhipha ikhadi lesikweletu ngaphandle kokunikeza isitifiketi semali engenayo, kuyiqiniso ngempela:

1. "Tinkoff". I-Black Card iyatholakala kubantu abaphakathi kweminyaka engu-18 no-70 ubudala. Izinga lesithakazelo lihluka kusuka ku-25 kuya ku-45%. Awudingi ukuvakashela ihhovisi lebhange ukuze ubhalise. Isicelo sigcwaliswe ku-intanethi, ngemuva kokuvunyelwa kwayo, umthumeli uletha ikhadi endlini.
2. "Standard Standard Russian". Isilinganiso senzalo sinama-29%. Itholakale kubantu kusukela eminyakeni engu-25 kuya ku-65. Isinqumo sokukhipha imali sithathwe cishe ngaso leso sikhathi. Khona-ke ikhasimende likhetha - uzothatha ikhadi noma ahlele ukulethwa ngeposi.

Izinhlinzeko ezinhle kakhulu zamabhange

1. "Platinum ye-Tinkoff." Izinga lentengo ephansi, ungahle ulandise ukulethwa endlini ngendlulisensi. Umkhawulo wesikweletu ungama-rublekhi angu-300,000. Inzuzo yukufakwa kwezibhonasi zonyaka ezengeziwe. Lapho angasetshenziswa khona, kuboniswe emahhovisi amele ebhange.
2. "Bank Bank". Ukuze uthole ikhadi lesikweletu, udinga ukuhambisa idokhumenti eyengeziwe. Isikhathi esiphezulu sokucubungula uhlelo lokusebenza izinsuku ezingu-7. Isilinganiso senzalo esincane, isikhathi esihle somusa.
3. "I-Yar Bank." Isicelo senziwa ngosuku lokudluliswa kwesicelo. Isilinganiso esincane senzalo sinama-25%. Isikhathi somusa - izinsuku ezingu-55, kusukela kumadokhumenti odinga ipasipoti kuphela. Umkhawulo wesikweletu ukhulu - ruble 1 000 000.
4. Ama-alfamiles avela ku-Alfabank. Isikhathi somusa siyizinyanga ezimbili, ubuncane bendawo yobudala buyiminyaka engama-21. Ngonyaka insizakalo ibiza ama-ruble angu-2000. Umkhawulo yi-rubles angu-150,000. Ngomsebenzi osebenzayo, amabhonasi abalwa ukuthi angasetshenziselwa ukuhamba emoyeni.

Uma udinga ngokushesha ukuthola ikhadi lesikweletu ngaphandle kwesitifiketi semali engenayo, sebenzisa amabhange amaningana. Cwaninga kahle zonke iziphakamiso. Ungakhohlwa: uma kunesevisi yokubala amabhonasi wokusebenzisa ikhadi, lokhu kuyinzuzo eyengeziwe.