Ngingalutholaphi lesikweletu? Isilinganiselwa amabhange, inzalo engako, futhi Izibuyekezo

Phakathi izakhamuzi zezwe lethu ukubolekisa funa ezihlinzekwa amabhange ku imibandela eyehlukile. Manje ungathola yekhadi umkhawulo othile. Nikeza amabhange yakhe abaningi. Ngingalutholaphi lesikweletu? Kufanele zisebenza kunoma yikuphi isikhungo sezezimali ezweni lethu, esizokunikeza izinhlobo eziningana izinhlelo.

Loan Izici

Ngaphambi beka credit card yakho, kufanele uzijwayeze izici zalolu hlobo yokuboleka le mali:

• ukubhaliswa Easy reception uma ziqhathaniswa nezinye izinhlobo sokubolekwayo.
• Ngokuvamile, i-passport, futhi idokhumenti ezengeziwe.
• Ikhadi kungekho esithile esikweletini kufanele ikhokhelwe lapho, kukhona kuphela inkokhelo encane ngenyanga.
• Credit card abe isikhathi somusa phakathi nalapho kungekho isithakazelo ikhokhiswe.
• Cishe zonke lala makhadi intengo service.

Uma imithetho enjalo ziyaneliswa, kungenzeka ukuba ingenzele incwadi loan. Ngingalutholaphi lesikweletu, kuye ngokuthi uhlalaphi. Ngokuvamile, cishe imizuzu engu-20 kwanele. Kuphela isimiso esinjalo ihlinzeka lemali elincane lokuthenga ngesikweletu futhi inzalo ka 25-30%. Ngokusho Izibuyekezo kuyacaca ukuthi imalimboleko ezinjalo zenziwa kuphela uma eziqhathanisa nabanye, ezifana umthengi.

inqubo yokubhalisa

Semthethweni ikhadi ipasipoti ngezindlela eziningana, konke kuncike kumasevisi yebhange. kuvamisile ukuba:

• Ngesikhathi ebhange. Lolu khetho isetshenziswa isikhathi eside. Kufanele uthintane igatsha eliseduze ebhange, ugcwalise isicelo, bese ulinda isinqumo. Ukuze amahlamvu kuze kube ihora elingu-1. Ngemuva kwemvume ikhishwa ekhadini.
• Nge-Internet. Inketho kubhekwe elula kunazo. Udinga uvakashela isayithi, ukubeka umyalelo. Kufanele ufake ulwazi olungenaphutha ngemithi ngokwabo.
• Home kwezidingo. Ezinye amabhange ukunikela ukuletha ikhadi ngeposi noma courier. Emadolobheni amakhulu, eshiwo ngokushesha futhi ezindaweni ezikude kudingeka ulinde. Iklayenti akusho kusebenze ikhadi ifika, futhi ngenkathi ngeke isebenze nge ngeke athathe amaphesenti.

Ngo ngokubona ababoleka ke kuyabonakala ukuthi zonke izindlela ukuklama ukhululekile, umuntu nje ngamunye ekhetha yena ngokunethezeka. Uma uvakashele ihhovisi lebhange, ikhadi ngokuvamile iyatholakala ngosuku olufanayo.

Izimfuneko ababoleka

Izakhamuzi eziningi angasebenzisa ama-credit card. Lapho udaba bese uzithola? Ngokuvamile isicelo yenziwa nge-website noma nguchwepheshe, kodwa likwazi ukuthola ehhovisi ebhange. Kodwa ngezinye izikhathi ikhadi wathumela ngeposi noma courier.

Amabhange ukufuna njalo amakhasimende ezilandelayo:

• Ubudala iminyaka 18-70, kodwa ingahluka ngebhange.
• A iphasiphothi.
• Ukuze uthole ukwaziswa on ukubhalisa futhi yokuhlala.
• Kuvele isitatimende engenayo.
• Ulwazi lokuxhumana.

Akuwona wonke yasebhange iyadingeka ukuze kuqinisekiswe iholo lakho. Uma uthumela imibhalo mayelana iholo, izinga zingancishiswa, kodwa isethwe ngamunye.

izipesheli amabhange

Ngingalutholaphi lesikweletu? Isilinganiselwa amabhange ezenziwe ngesisekelo udumo lwawo phakathi amakhasimende:

• Sberbank eRussia. Lesakhiwo kungenziwa wakhipha ikhadi "Momentum", kodwa kuphela amakhasimende lenkampani, uma kukhona sipho. Umkhawulo lingafika ayizinkulungwane 120. Ruble ngesikhathi senzalo engaguquki of 25,9%. Isikhathi somusa isebenza izinsuku 50, njengoba inkonzo khulula.
• "Thumela Bank". Lapho ungakwazi ngokushesha uthole ikhadi lesikweletu? Zangaphambili "Summer Bank" linikeza uhlelo ukukhipha "Imeyili Express". On ke ungakhetha umkhawulo. Kuyadingeka ukuba ngokushesha ukwenza izinkokhelo ubuncane, futhi uma kungekho izikweletu, isithakazelo isevisi azitholakali.
• "Alfa Bank". Izikhungo zemali lapho ungathola lesikweletu ukunikela izimo ezahlukene. "Alfa-Bank" ikuvumela ukuba uthole ikhadi imizuzu engu-40. Setha inani ngamanye kwaso inzalo yemali mboleko. Izinga kuyinto 47,9%. Isikhathi somusa 60 noma 100 izinsuku. Ukuze kudingeka ipasipoti idokhumenti ezengeziwe.

• "Ekhaya Credit". Uma uyazibuza lapho ungathola ikhadi lesikweletu, kuzomele uxhumane ebhange. Amakhasimende bamenyiwe bona bahlele kuhle uhlelo "ukuthenga Quick", okuyinto has a ukubhaliswa khulula kanye nokugcinwa. Umkhawulo kungaba ruble kuze kufinyelele ayizinkulungwane 300, isilinganiso -. 34,9%, ngesikhathi cash ukuhoxiswa - 49,9%. Isikhathi somusa izinsuku ezingu 51.
• "Tinkoff". Ngingalutholaphi lesikweletu, "Tinkoff"? Udinga ukuxhumana ibhange bese ugcwalisa isicelo inthanethi. Umkhawulu ayizinkulungwane 300. Ruble. Kanjani imali kakhulu izotholakala, ibhange enquma. Kodwa ngemva kwezinyanga eziyisithupha, umkhawulo zingandiswa. Isikhathi somusa izinsuku ezingu-55. Izinga ibalwa 24,9%, kodwa uma ukuhoxisa ukheshi, kuyoba 45,9%.
• "Renaissance Credit". "Sula ikhadi" ekhishwe iphasiphothi. Kufanele ugcwalise isicelo ku-intanethi noma uvakashele ebhange. Isinqumo yenziwa zingakapheli izinsuku 2 ukusebenza. Isilinganiso - ruble ayizigidi ezingu-300 kanye isikhathi somusa izinsuku ezingu 55 .. Ukukala - kusukela ku 24%.
• "Raiffeisenbank". Ikhadi ikhishwe ukuze iphasiphothi. It kuze kube ama-ruble ayizigidi 150, futhi uma engenayo waqinisekisa -. Ruble ayizigidi 300 .. Izinga kuyinto 24%. Inzalo-free period - kufikela kuzinsuku ezingu-50.

Izinkampani zekhadi lesikoloto nezinye amabhange. Ngakho, kukhona okuningi ongakhetha lapho ungathola ikhadi lesikweletu ku iphasiphothi. Kuyinto kudingekile kuphela ukukhetha sipho ezikhanga kakhulu futhi uvakashele isikhungo sezezimali. Izibuyekezo ababoleka abonisa ukuthi ukuhlobisa ikhadi kufanele kube yinto yokugcina okungaphendukelwa kuyo, ngoba uthathe imalimboleko umthengi ishibhile.

Uyini Ingakanani inzalo?

Izinga lenzalo yemali mboleko emalini ebolekwe Kumiswa okusekelwe zici ezilandelayo:

• Izinga lokwehla kwamandla emali: ayanda kuba, ayanda izinga.
• Izinga ku interbank ukubolekisa, uma ibhange ayinayo imali yayo sesikweletu, icela usizo ezikhungweni ezinkulu zezimali.
• Izindleko: e inani lenzalo afakiwe amaholo abasebenzi, ukuqasha, ihhovisi yesondlo.
• Inzuzo: esilotshwe kweyesi Ukukhishwa credit izindleko.
• Kwesizini izindleko: ukubolekisa incike isizini. Phakathi nenkathi kaKhisimusi futhi ngaphambi Year New ukufunwa ukubolekisa inyuka, kuyilapho ezifakwa uwela, ngakho kulezi zikhathi izinga kungase kwandise ngu 5-6%.

e izinga lomfula amasethi efanayo. Ngaphezu kwalokho, kubalulekile ukuba banake ukuthi kukhona isevisi ekhokhelwe. Isithakazelo amabhange ezinkulu ngaphansi kuqhathaniswa izinhlangano ibhizinisi elincane. Kodwa uma ukubheja incane, siyihlolisise umboleki.

Kungakhathaliseki abantu abakhubazekile banikwa amakhadi?

amabhange amaningi ezisebenza Russia, ukuncintisana nabanye. Ukuze bafika kukhona amakhasimende abaqotho. Uma ibhange ayidingekile ukunikeza isitatimende engenayo kanye ukunikeza ulwazi mayelana indawo yomsebenzi, bese uthola ikani loan futhi izakhamuzi abangasebenzi. izikhungo zezimali kuphela ukumboza isithakazelo okusezingeni eliphezulu izinga izingozi. Indima ebalulekile ngumlando Ikhredithi umboleki. Uma kuwukuthi omuhle, ngokuvamile imali ukubolekisa bavunyelwa. Abanye ababolekisi zidinga ukunikeza SNILS noma ilayisense yokushayela.

Izinzuzo nezingozi nebubi

Ngokusho kumpendulo yekhasimende, ukubolekisa ikhadi babe izinzuzo ezilandelayo:

• A ukubuyekeza okusheshayo isicelo kanye nokuhlinzeka izimali.
• Imibhalo Ubuncane.
• Izinhlelo iyatholakala kuzo zonke izakhamuzi.
• Cash kuhoxiswe ngasiphi ATM.
• Inkokhelo ezikhumulweni ngaphandle ikhomishini.
• Ukwenza izinkokhelo nge-Internet.
• Inzalo esinhle icala.
• umkhawulo Wemvelo.
• Ithuba iqhaza Ibhonasi izinhlelo.

Okumbi, nahlulele by ukubuyekezwa, imi kanje:

• ezigxotsheni okuphezulu.
• Izimali ezifihliwe.
• Umugqa elincane credit.
• amakhadi abaningi abanaso chip kanye negama, ngakho bathatha eziphephe kancane.

Ngaphambi kokufaka ikhadi kufanele bacabangele ngokucophelela ngobuhle nangobubi bawo. Ngokuvamile amabhange ukunikela izimo ngabanye amaklayenti, ngakho amazinga namanani zingahluka.

izincomo ababoleka

Ngaphambi kokunquma okuyinto ibhange ungathola ikhadi lesikweletu, kufanele uzijwayeze amathiphu ababoleka. Khumbula ukuthi imali eyengeziwe sithathwa isevisi. Endabeni ka alibale isigwebo futhi okuzenzakalelayo isithakazelo. Okokuqala inikeza amazinga aphansi, kodwa ukucutshungulwa loan kuzoba okusezingeni eliphezulu.

Kungcono ukusebenzisa ibhange, okuyinto vele ahlele loan. Ngokuvamile, amakhasimende ahlinzekwa imigomo izindawo ezingconywana. Uma kukhona indaba ezinhle-ke, njengoba umthetho, isicelo sivunyiwe. Kufanele qhathanisa imigomo amabhange eziningana bese ukhetha ikhadi ezifanele kakhulu.