"Russlavbank": Izibuyekezo amakhasimende ebhange

"Russlavbank" impendulo has ezimweni eziningi ezinhle, njengoba isikhungo sezezimali emlandweni khona kugcwalise njalo izibopho zayo. Waqala sihlinzeke izinhlelo zezimali emsebenzini ngo-1990. Namuhla ibhethri ukwenza hhayi kuphela zezimali, kodwa futhi umsebenzi lobulungu inenethiwekhi sasivumela ububanzi ezazivela. Amakhasimende lonke elaseRussia ukujabulela high service izinga futhi unethezeke. I Bank isebenza futhi ukwandisa imisebenzi yayo, sinikeza anhlobonhlobo kokubili yasebhange futhi ezihlukahlukene services.

idumela lihle

"Russlavbank", ukubuyekezwa zazo amehlo, ine idumela lihle. I isikhungo sezezimali has ochwepheshe ngokuhle kwensimu yabo ngubani bekulungele ukunikeza wonke amakhasimende kanye ukusiza futhi iseluleko lochwepheshe. Kuzo zonke izinkinga ezihlobene esikweletu yasebhange amasevisi, abantu izimpendulo ezanelisayo. Amagama okubonga ekufezeni abasebenzi wezwa ngokuphindaphindiwe emlonyeni amakhasimende wanelisekile. isikhungo lwezezimali ozonaka omkhulu abahluphekile. ngosizo lwezimali inikezwe kanye zokukhosela namakhaya ezintandane. ukwabelana Ibhange sika (92%) ziwumsebenzi Abdulkerimov Abdulzhelil Makhmudovich, okuyinto likhona uhlu bebhange abacebe yezwe. Ngo-1999, "Russlavbank", ukubuyekezwa zazo kukhona omubi, wazakhela imali uhlelo CONTACT Ukudluliselwa, okuyinto manje uthatha indawo umholi emakethe Russian zezimali. Ukwamukela emazweni angomakhelwane, ke wathola isimo abalulekile emphakathini. Ngokwalo mbiko zakamuva yonyaka, izimpahla isikhungo sezezimali sika zaba ruble 34.050.642, inani ofeleba zazilingana ruble 5.212.776, credit iphothifoliyo zaba ama-ruble ayizigidi 645,3, futhi umthamo imali - ruble 9.736.085.

ezingeni lelisetulu

"Russlavbank", ukubuyekezwa zazo kanengi kahle kunokuthi negative, ingenye abahlanganyeli endala emakethe yasekhaya zezimali. I lunye main lesikhungo - is nokunikeza ngamasevisi abantu, izakhamuzi ze-non-izakhamizi, osomabhizinisi kanye nabamele amabhizinisi amancane kanye naphakathi. Imisebenzi sebhetri Kwenziwa ngokuhambisana ilayisensi jikelele we Bank of Russia ka-Ephreli 28, 2012. Ngasekuqaleni kuka-2015, isakhiwo yebhange kakade kuhlanganisa amagatsha 6 futhi 111 Amahhovisi emadolobheni 76, ihhovisi elilodwa main, 45 ezingaphansi yasekhaya. Lokhu Amahhovisi ezengeziwe 34, esikweletu imali 7 isikhungo, 4 Amahhovisi imali futhi amahhovisi amathathu ezisebenza.

credit isilinganiso Ibhange sika "B ++". Credit sohlelo 'Bbb +' nge umbono oqondile ngezinto. I yezimali amandla isilinganiso "E +" futhi isilinganiso imali in ruble futhi currency angaphandle zivumelana "B3" isigaba. Isibikezelo kusukela uMoody Zimali Izikhungo isilinganiso ngamazwe Agency njalo omuhle. I balinganisela olusemthethweni Central Bank wathi ibhange okunokwethenjelwa. Kuwufanele engeza ukuthi naphezu esibucayi, i-isikhungo sezezimali akuyona nobunzima nasekufezeni izibopho zabo. Ngo 2014-2015, lapho izikhungo eziningi zezimali ayekile akhokhe imali kanye waqala ukusebenzisa i-refinancing ukuba Central Bank of the Russian Federation, "Russlavbank" kumpendulo yekhasimende lapho ngenxa leli qiniso omuhle kakhulu, hhayi kuphela uyaqhubeka ukwamukela imali, kodwa futhi njalo okhokhela kubo isithakazelo, futhi ekupheleni uyabuya inkontileka eside ukuba abatshalizimali izimali zabo. Ngaphezu kwalokho, isikhungo sezezimali eyilungu uhlelo umshwalense idiphozi.

Amakhasimende aneliseke anhlobonhlobo amasevisi

Okwamanje, i-isikhungo sezezimali linikeza amakhasimende ayo omningi amasevisi. Phakathi iziphakamiso ayatholakala njengoba imikhiqizo esezingeni yasekhaya, kanye uthethe kusukela umkhuba ngamazwe. Kufanele ishiwo abolekise okudayisa kanye zenkampani. Abantu ongafaka isicelo boleko ruble ayizigidi 600 ngehora kufika eminyakeni engu-5. Ngokusho amakhasimende kudinga iqoqo ubuncane amadokhumenti, khona guarantors akuyona impoqo.

Focus ngokuvamile ku isikimu lula kakhulu wokubambisana. IBhange amukela ezifakwa futhi inikeza ithuba ukuphatha akhawunti abo ukude. Ngosizo Imininingwane ingakwazi akhiphe imali ukudluliselwa kanye ukwenza izinkokhelo. Ukungabi bikho amahora queuing ejabulisa eziningi. Vula imisebenzi Depository kanye nemisebenzi ehlukene nge amakhadi asebhange. Kwenziwe isiqinisekiso nakuyi-documentary. Phakathi isiphakamiso engavamile Kuyaphawuleka passport professional service izivumelwano yokuthekelisa noma yokungenisa. Izinga lenkonzo sasimthanda kokubili abantu yemvelo kanye zomthetho, kodwa futhi amabhange yasekhaya futhi imibiko angaphandle, okuyinto kuka 600. Isibalo voluminous amakhasimende kanye nabalingani hhayi kuphela e-Russia, kodwa futhi phesheya, kuqinisekisa ukuba yiqiniso kwale ndaba. okubuyayo, ewayisa ukukhangiswa kukholamu ingxenye izincomo. okubuyayo ngokuvamile ukhulume uhlelo ekhangayo of refinancing sokubolekwayo.

Uhlelo abathandwayo for abanikazi bamakhadi

JSCB "Russlavbank" ukuthi Izibuyekezo kuncipha ukuba libambisane naye, inikeza amakhadi esikweletu hhayi kuphela, kodwa inkonzo yabo okusheshayo. Okwamanje, ngaphansi kohlelo i-Bank Zintathu izinhlobo yomkhiqizo:

• Ikhadi izimali.
• IGOLIDE izimali ikhadi.
• Credit card.

I ezikhanga kakhulu isikhungo sezezimali amakhasimende ocabanga ukuthi ikhadi inzuzo. "Russlavbank", ukubuyekezwa zazo akhayo maqondana lo mkhiqizo inikeza ngohlelo esiyingqayizivele depositary abanikazi baso. Ngezinye izimali ezisalayo siqu ku-akhawunti, kungakhathaliseki ukuthi zingaki, ibalwa iphesenti 15%. Hlola imephu ilula kakhulu noma igatsha ebhange. Inkinga Kwenziwa ngosuku olufanayo. Ikhadi ifakwe chip enikeza izinkokhelo ephelele ukuphepha. Ucansi lumnandi athabiswa khona eziningi ubuchwepheshe 3D-Secure. Nice ukubuyekezwa komkhiqizo abanikazi wezwa ngalokho ongakwenza ukuhoxisa izimali, hhayi kuphela e-Russia kodwa futhi phesheya. Abantu bayamangala yokuthi iKhomishana ukuthengiselana non-cash kungukuthi isuswe ezitolo. abanikazi ikhadi ukukhuluma mayelana kwalokho emnandi futhi inzuzo ku-20% isaphulelo on uhlelo «MasterCard Izintandokazi". Eceleni ishiwo yekhadi umkhawulo uvuseleleke ruble 500 000. Preferential isikhathi free izinsuku ezingu-57. Sebenzisa umkhiqizo elula kakhulu. Savings kufezwa ngokusebenzisa khulula wenkonzo waminyaka yonke credit.

Instant isevisi ikhadi: Bank uyaqonda ukuthi isikhathi - siyimali

Bank "Russlavbank", ukubuyekezwa zazo lengatfolakali nge umthunzi omubi, njalo zihlukaniswa ku isizinda nezimbangi zayo ngokushesha futhi professional akhawunti wesevisi. Amaklayenti neze lizwakalise izikhalazo mayelana yokuntula ithuba ukuze zikhiphe imali i-ATM noma ubuyise i-akhawunti yekhadi. Zonke imisebenzi eyenziwa njengoba masinyane ngangokunokwenzeka, akukho ukubambezeleka, ukubambezeleka eMpumalanga. Abantu akakaze akhononde mayelana ukuhluleka kwezinhlelo ngenxa inqubo izinkokhelo eside. Isizathu ukuze ukuphathwa kwebhizinisi professional kwaqala ngo 2014 precession isikhungo siqu, ephatha kalula uhla eligcwele emkhathini kanye imisebenzi raschetai.

Izikhungo amakhadi we Visa and MasterCard, kuhlanganise chip kanye esikhokhelwa, eyenziwa ngempumelelo enkulu. Okwamanje, processing isikhungo ongenza mayelana 50 imisebenzi ngomzuzwana. Ngemuva yokuxhuma processing isikhungo ekupheleni Juni ohlelweni LFS, amaklayenti ukufinyelela ayizinkulungwane 28 ATM. Ngokusho abanikazi bamakhadi ukuzisebenzisa - nemnandi. manje ukuhoxisa ukheshi futhi ukhokhe izikweletu kungaba kunoma yisiphi isici enhlokodolobha. ikhadi izimali "Izibuyekezo Russlavbank 'yaleyo ngakho eyakhayo ngaso sonke isikhathi, esikhathini esizayo esiseduze iyoba nakakhulu. Lokhu kungenxa yokuthi i-isikhungo sezezimali alupheli ukuxoxisana amabhange-abalingani ku ukuhlanganiswa phakathi izinhlelo zokukhokha ngamazwe. Umsebenzi ihlose ukuhlinzeka eliphezulu inkonzo izinga kanye nezindleko ukuncishiswa.

What do emabhange ku ezifakwa?

"Russlavbank" idiphozi inikeza ezihlukahlukene kakhulu. Umugqa mkhiqizo lula esiphezulu. Amakhasimende akudingeki ukubhekana nesinqumo esinzima phakathi eziphezulu zenzalo nemibandela omnene lobambiswano. Namuhla, iziphakamiso amathathu ziyatholakala ongakhetha kuzo:

• Le "Golden Mill". idiphozi iphesenti lingafika ku 15.5%. Imali esiphezulu ruble ezifakwa inikezwe. Amandla omlilo kwezinhloso zenzuzo singanikezwanga.
• Uhlelo "Zonke izinzuzo." A idiphozi kungenziwa eyakhishwa 12,35%. Idiphozithi lwemali kungaba kokubili ezweni euro noma zamadola. Linikeza ngentshisekelo nosonhlamvukazi. Ukuvumela ngokwengxenye ukususwa kanye ukusetshenziswa izindawo ngaphandle kokulahleka inzalo enqwabelene.
• Uhlelo "Supervklad" for imali ngama-euro noma zamadola.

amakhasimende ebhange, ekuhloleni iziphakamiso zezimali ayatholakala emakhemisi, bavumelana yokuthi "ezifakwa Russlavbank 'e izimali zakwamanye amazwe futhi ruble inikeza phezu kwezimo ezimvunayo kakhulu. Kuqhathaniswa imikhiqizo eziye uqambe inzuzo kakhulu futhi anikela ngalo eminyakeni embalwa nje edlule, "Russlavbank" (idiphozi ekhethekile), izitayela babe ngisho inzuzo ngaphezulu futhi elula. Nokho, lokhu ipharamitha kubalulekile lapho besekuhluphekeni. Mayelana ucabanga futhi kabusha imidondoshiya ezinjalo emakethe yasekhaya, njengoba "isinyathelo lwezezimali" futhi "Ezezimali kanye Credit", abatshalizimali waqala ngenkuthalo ukuthatha imali zabo, ukuvula amehlo ekulahlekelweni isithakazelo. Yayiyini Bamangala lapho ibhange ngokungenamibandela izikweletu. ezithakazelisayo kakhulu ukuthi outflow okukhulu kwezimali ngasekupheleni 2014 futhi ekuqaleni kuka-2015 akuzange izinkinga zezimali.

Ukuwa ngo-2014

Ngo-2014 saqala ukuya ukukhonza emphakathini ukuthi kungakabiphi iphenduke yimali nabadumile ezweni "Russlavbank". Ukuhoxiswa kwelayisensi, elalibheke izikhungo eziningi zezimali kuleli zwe, futhi yayingekho indawo ukusho okungaphezulu, kule vein, inselele ngisho kuxoxwa. Into wukuthi entwasahlobo ka 2014 Ministry Interior, liphenya ngalesi "imisebenzi yasebhange emthethweni." Wafuna hhayi nje "Russlavbank", ukubuyekezwa zazo abasebenzi baye nasici njalo, kodwa futhi inhlangano ezifana "Finprombank", futhi abanye ejenti travel. Umsolwa kuleli cala Wayengubani u-Alexander Mironov, owakhonza njengelungu iphini likamengameli. Ngokusho komthetho izikhulu, abantu abayisikhombisa abasolwa lokuhoxa emthethweni izimali nokuhlengwa yabo ngokusebenzisa yangasese izinkampani wosuku olulodwa. idatha olwandulelayo basikisela ukuthi njalo ngenyanga ngokusebenzisa izandla lidlule ruble 2.5 billion. Isiphetho imali kuwufanele 3.5% semali baphathwe zokuhamba kanye 0.3%. ukunakwa ngokweqile ebhange uye zizwakalise ukukhathazeka zimali. Eqinisweni-ke sekuvela ukuthi "Russlavbank" (ezifakwa ngenjongo ngokomzimba. Abantu-ke manje unikeza elula kunazo) akukho maqondana nezenzo zokukhwabanisa kwadingeka. On the ingxenye ekuphathweni ibhange BakaJehova yanikezwa zonke usizo, olufaka zonke izincwadi ezidingekayo zinikezwe. Izimangalo the isikhungo sezezimali eMnyango Wezangaphakathi akukho. Isimo ezingemnandi, kodwa akusho ukuthi abeke uphawu nokusebenza kwezimali isikhungo nezikweletu kumakhasimende. Bank kokubili asebenzayo futhi ukusebenza ngokujwayelekile.

CONTACT - emisha amakhasimende

Njengoba kushiwo ngenhla, 'Russlavbank "loan izibuyekezo omuhle kuphela, ngo-1999 umkhankaso inkonzo CONTACT. Lobu buchwepheshe ekwenzele isikhungo sezezimali amakhasimende ukudlulisa imali phakathi kwabantu. Isakhiwo kusekelwe umlobeli ubudlelwano phakathi amabhange-partner hlelo. Ukuhumusha kwenziwa isikimu lula ukuthi okukhulunywa ngayo ngokuphindaphindiwe emiBhalweni izimpendulo amakhasimende wanelisekile. Ukuvulwa kwe-akhawunti ezikhethekile liyadingeka. Abasebenzisi eyinhloko amasevisi babé abasebenzi zonyaka, abafundi, expats nezivakashi abangenayo akhawunti ivulekile eRussia. Abantu okwadingeka asebenzelane nge esiphuthumayo ukuthumela noma ukuthola imali, waneliseke kakhulu nge ohlelweni. Ehlelekile uya bandise inethiwekhi umlobeli amabhange. Kakade kuze kube manje, uhlelo kuhilela emazweni 73. I-CONTACT abalingani nazo kuphuma okungenani 900 amabhange Russian nasemazweni angaphandle. Inethiwekhi ebanzi yophathina amaphuzu kwamakhasimende, okuyinto has amaphuzu angaphezulu kuka-400 000 emazweni angu-160 emhlabeni wonke, iyachaza okubuyayo mayelana isevisi kanye lula ukusetshenziswa kwemisebenzi yayo. Uhlelo kwaba winner esigabeni "Amalungelo abathengi kanye nekhwalithi yesevisi ngo-2014" futhi yaphuma phambili emncintiswaneni "Brand № 1 eRussia" esikhathini kusuka 2011 kuya 2013.

ukwengamela Small lapho sisebenzelana CONTACT uhlelo

Njenganoma iyiphi uhlelo lwekhompyutha, e-CONTACT simiso abasebenzisi bayo kwakudingeka abhekane nesimiso eziningi kwezingqinamba. It kwesokunxele negalelo ocacile omubi idumela "Russlavbank" ebhange, okuyinto libuyekeza loans kanye imali ezimweni eziningi ezinhle. Umsebenzisi yokucasukela kwakubangelwa uhlelo ukulengiswa kusaqalwa umsebenzi walo. Kwenzeka ukuthi uthumele izimali kwenzakala obusebenzayo ngokuphelele futhi okungezona yokusebenza uma ngempela. Nge ukuthuthukiswa nokwenziwa ngcono kwe-yokukhokhelana amaphutha zakhishwa nokunganeliseki yayiya. Nokho, uma izimo olulodwa ezidonsela ukunakekela. Ngakho, ngokwale ndlela omunye bezikhungo ebhange, uma kuthunyelwa ukudluliselwa e-United States, lapho engakaze udilivwe kumamukeli. Ngemva inkinga eside ukubambezeleka akuyona ixazululwe ngesikhathi, nemali kwadingeka abuyiselwe umthumeli. Kodwa into ezithakazelisayo kakhulu ukuthi ngemva imbuyiselo isevisi eside ukuxhumana senziwa ngaphandle umkhawulo wesikhathi. Esikhundleni othenjisiwe izinsuku ezinhlanu, labahumushi laphindela lapho amasonto ambalwa. Ngokwezibalo, 95% of the time "Russlavbank" kumpendulo yekhasimende kuyinto positive, futhi lokhu nciphisa kuyinto ngaphandle okukhulu ekubuseni, kunokuba njalo. Amazwana amaningi omuhle mayelana nomklamo umsindo Ukudluliselwa, okuyinto ethatha okungenani isikhathi futhi kulula ngangokunokwenzeka.

Efingqa: uma ithemba yasebhange uyakufanelekela?

Efingqa nokubheka isimo e kwamabhange yezwe, singasho ukuthi akukho amaphutha okuphawulekayo "Russlavbank" ebhange. Ukubuyekezwa (Banks. Ru) futhi wathola engemihle futhi omuhle. Siyabonga futhi inkhulumo okuningi kuka intukuthelo. Ungahlangana incazelo nezimo ezingajabulisi ukuthi zihlale isabele nabasekela amakhastoma. ukukhipha isinqumo zingase zephuze, kodwa umphumela akashintshi. consultant Pleasant nabaphathi uphile futhi ngocingo ukuze aphendule yonke imibuzo yakho, zama ukusiza amakhasimende ngazo zonke izindlela ezitholakalayo. Naphezu kwezinkinga amabhange yasekhaya, ezihlobene impahla ibe yimali, "Russlavbank" uyaqhubeka kusebenta ngekukhutsala nokuthuthukisa. Iminikelo zikhokhelwa, izikhalazo eziningi ezivela kubantu emabhange ungapheli. Against isizinda jikelele isimo ukulahlekelwa kungenziwa ngokuthi inzuzo enkulu. Into kuphela kufanele sinake - lokhu Ogaxekile ngefomethi umlayezo we-SMS. Kukhona lenqwaba izikhalazo ngalolu daba. Ngokusho amaklayenti asebhange wathi, ocingweni njalo isaziso mayelana ukuvunyelwa loan esiceliwe, xhumana nehhovisi uphinde uhlele loan. Uma abantu udedele yonke into, uze ehhovisi, lapho sinqatshelwe. Isimo iyaphindwa isikhathi eside. Ucela Ukususa inombolo SMS-lwamakheli njengenkulumo, le nkinga inga- ixazululwe. amakhasimende ebhange baxwayisa nangokuthi udinga ukufunda ngokucophelela inkontileka kulesi sigaba sama-loans. Isithakazelo kubo akuyona siyazuzisa ngaso sonke isikhathi. Ukuqapha, ungagwema izingxabano esikhathini esizayo. Uma iphutha siqedwa, ukubambisana ne isikhungo sezezimali uyokhulula kumakhasimende nje ubumnandi.