Standard credit card iminyaka engu-20

Wonke umuntu udinga imali. Njengoba manje owandile ezweni esibucayi, bayingcosana. Kodwa isidingo imali encishisiwe. Ngenxa yokuthi abantu kufanele ufune kweminyango. Futhi ngokuvamile, ngeshwa, it is a loan. Ukuze uhlele boleko imali ebhange, iklayenti ezingaba kumelwe zivumelane nalokho okufunwa ezithile. Ngokuvamile kungcono yobudala, okuhlangenwe nakho, uNgqongqoshe isitatimende esikhombisa imali. Kodwa kuthiwani ngabantu abangenacala, intsha kanye eziningi zalezi izinkinga? Kubo, futhi, kukhona indlela. Futhi ikhadi lesikweletu. Nge iminyaka engu-20 kungenzeka ukuthola.

mayelana nezimo

Wonke umuntu wayazi ukuthi umugqa oyinhloko imikhiqizo loan isineminyaka njalo ukuba eminyakeni engaba ngu-21 kuphela. Kodwa-ke thina some izidingo wamisa yobudala engengaphansi kwengu-23. Kunengqondo lokho: ngalesi sikhathi ngokuqinisekile bengathola isipiliyoni somsebenzi. Lize okwenzekayo abantu, kuphela ukuze uthole umsebenzi ngemva kokuthweswa iziqu. Ikakhulukazi izidingo ezinzima abantu abanesithakazelo mortgages, ukubolekisa eside ukuthenga imoto noma imali ukutshala.

Kodwa kusekhona ikhadi lesikweletu. Nge iminyaka engu-20 ukuze uthole ke ngempela. Lokhu kusebenza amakhasimende wesilisa, amantombazane angaya ebhange noma sesikweletu eminyakeni engu-19. Futhi umuntu ongase abe wekhadi kumele okungenani oyedwa osebenza Osayinile. Futhi uzodinga le dokhumenti isiqinisekiso solvency zezimali iklayenti sika. Imininingwane Efanelekayo kwifomu ka PIT 2, ngesitifiketi kokuthola impesheni, imifundaze kanye nokunye. D. Futhi isiqinisekiso isikhathi (okungenani izinyanga 3-6).

"Tinkoff"

Futhi manje ungakwazi ukutshela kabanzi mayelana lapho ikhishwa yekhadi iminyaka engu-20. First Bank, okuyinto uzinake ukunakwa - kuyinto "Tinkoff". It ikuvumela ukuba wenze "Platinum" Katochkov ngisho ukude ngokuthumela isicelo nge-Internet. Bese kuzothatha ehambisa ngqo ikhasimende ekhaya.

Umkhawulo kumephu "Platinum" (yokukhokhelana "Master Card") - ruble 300 000. inkonzo umuntu Lonyaka okhokhela 590 k. Isinqumo sokwamukela isicelo ithatha ngosuku olufanayo. Isilinganiso senzalo - kusukela 24,9 kuya 34,9 cent ngonyaka ngamunye. Ngokukhipha imali lizokhokhiswa ikhomishana 2.9% + 290 ruble ngenhla. Ngaphezu ngokukhethwa "Platinum" umnikazi eziqhutshwa isikhathi somusa ezingu-55 (okusho ukuthi, okungezona inzalo) ka. Futhi, okubaluleke kakhulu, yobudala enqunyiwe Ikhadi lokubhalisa - engu-18.

Kubukeka impela. Kodwa zikhona umehluko wemisindo nemiqondo yamagama. Ngokwesibonelo, ukuze nje uthole ikhadi umkhawulo ruble 300 000 kuyoba nzima. Bank lokuqala ukusungula "uphahla" e 4000 p ke - at 10 000, bese - 15 000 deda. Futhi lokhu kuyaqondakala. Ibhange kumele ukwazi ukuthi ikhasimende kuyinto ezikweletini. Kuthe wayeqiniseka lokhu, umkhawulo wesikweletu bayovuswa (njengoba funa abantu).

"Alfa-Bank"

Lena enye isikhungo ethandwa zezimali elikhiphe ikhadi lesikweletu iminyaka engu-20. Ibizwa ngokuthi "izinsuku 100 ngaphandle kwenzalo." Futhi "gqamisa" eyinhloko ikhadi lesikweletu waqopha grace period. Yini Ngempela, ungakwazi ukuqagela ngokubheka ikhadi igama.

Umkhawulu ruble 150 000, izindleko yesondlo 1290 / ngonyaka. Isithakazelo impela high - kusuka 26,99% kuya 33,99%. Futhi ukuhoxiswa yikhomishini 6.9%. Yenza i-credit abantu ikhadi can eneminyaka engu-18. Itholakala njengendlela chip khulula, futhi naye. By endleleni, kukhona amakhadi ezisebenza hhayi kuphela "Master Card" uhlelo, kodwa futhi ngoba "Wiese".

Izinga lenzalo yemali mboleko ebhange kuphezulu, kodwa kukhona abanye imininingwane ehilelekile. Futhi lokhu: kulapho Imininingwane abantu abakunikezayo ngabo siqu - the maningi amathuba okuthi uthole ngaphansi kwezimo ezimvunayo. Nokho - kumephu okuholela umuntu ungathola ezintathu ngaphezulu. Futhi kukhona ukhetho ukusetha ngayinye imikhawulo ngabanye.

Thinta Bank

isikhungo sezezimali European-OTP Iqembu Yaziwa yasebhange emajukujukwini ngokuthi Touch Bank. Futhi azithembisa labo abangase babe abathengi uthole ikhadi lesikweletu iminyaka engu-20. Futhi lo mbono akukubi. Ngemva ukubhalisa ikhadi lemali futhi ulisebenzise abantu bazokwazi ukusebenzisa izimali ezibolekwe isikhungo sezezimali.

Isilinganiso isigamu sesigidi sama-ruble. Izikhungo ayidingi ukukhokha, futhi wakhipha isinqumo esithathwe ngosuku olufanayo. Ngisho ngoba ukuhoxa Imali ikhadi icala. Futhi ikhasimende ongumnikazi ikhadi ungasebenzisa ATM kunoma yiliphi izwe emhlabeni.

Isikhathi somusa, ngasendleleni, luthatha izinsuku 61. Futhi inani lenzalo iqala ngo% 15.9 nje (esiphezulu ilingana 36,9%). Lona omunye izipesheli ezinemali kunazo zonke emakethe Russian. Ngaphezu kwalokho, uhlelo sinquma amabhonasi ngezithukuthuku iklayenti in inani 9% kubo bonke abanye.

"Avangard"

Kumele ukunakwa kanye okuhlangene isitokwe inhlangano commercial kuqashelwe, ukhuluma ngani amabhange anikeza credit cards. iminyaka engu-20 - akusiyo okungenani endabeni le "vanguard." Ungenza isicelo futhi 19. Bank yabhekisela ikhadi yekhasimende Umhlaba Railbonus, ukukhokha ukuthi, ungakwazi ukuthola amamayela, okuyizinto ke inzuzo kakhulu ukuchitha on ukuthengwa w / e namathikithi. Ukubala simiswe ngalendlela lelandzelako: imayela elilodwa = ruble angu-30. Futhi okwamanje "Vanguard" ejabulisa amakhasimende ayo enqwabelene izinkulungwane zamakhilomitha minyaka yonke.

umkhawulo Ikhadi isigamu sesigidi sama-ruble, izindleko yesondlo 1000 / ngonyaka. Isicelo ivunyelwe zingakapheli izinsuku 3-7 kusukela ngosuku wokufaka yayo. Amaphesenti Lonyaka ezisukela 21 kuya ku-30%. A isikhathi somusa izinsuku ezingu-50.

Phela, lo "Vanguard" - omunye amabhange ambalwa, iliphi ikhadi lesikweletu nge passport engu-20 kuyinto eqanjiwe ngeke Eqinisweni,. Ngisho ne 19, ukuba ngqo. Futhi akukho ngaphezulu akudingi imibhalo - passport. Ideal for abafundi, ikakhulukazi kulabo azifundi emzini wakubo - imayela nje ngeke. Phela, uma Isilinganiso sanyanga zonke ikhasimende izindleko kungaba 20 m. P., Khona-ke esikhathini esizayo lapho uzokwazi ukukhipha ikhadi Pass Priority.

"EMoscow Credit Bank"

Kuyinto enye inhlangano enikeza labo abangase babe abathengi ikhono uthole ikhadi lesikweletu. iminyaka engu-20 akuyona inkinga. Ngempela, "ICD" isethi yobudala okungenani - siyeza ubudala. Lokho engu-18 ubudala.

Isilinganiso 300 m. P., Maintenance kubiza 850 / ngonyaka. Isilinganiso senzalo kuhluka 24 kuya ku-33%. Sokubhalisela Ikhadi elilodwa kusukela ICD kuphela passport kuyadingeka. Izicelo kungaba zithunyelwe ku-intanethi noma ehhovisi ebhange. Phela, umkhawulo eshiwo ngenhla - lena ubuncane. Umuntu uyakwazi ukuchaza ke ngokwakho. "Classic" isimo - ongu- 300 wamathani p .. "Igolide" - 500 m p .. A "Platinum" - . 800 m p. Isimo akhethiwe kuzoncika izindleko yesondlo yonyaka, nokuningi isithakazelo ibhonasi accrual.

Okuningi kusuka kule ikhadi lesikweletu iminyaka engu-20 ngaphandle incwadi inikeza abasebenzisi bayo nabanye izinzuzo. Emva kokuthenga kuqala kuwo ikhulisa amaphuzu 250. Khona-ke, futhi, kuthiwa zanqwabelana. $ 100 - yilokho 7 amaphuzu. Ukuthola kungenziwa esichithwa ukuthengwa amathikithi noma inkokhelo yokubhuka ehhotela.

Okuhle ngalokhu ukuthi abaningi. Kodwa ibanga kangaka okudingeka izici enhle kufanele ukhokhe imithwalo yemfanelo yayo. Omunye ukubambezeleka usuku kubiza 1% of the debt Imininingwane.

Imephu "Gazprombank"

Le nhlangano ibuye eyenza intsha okunentshisekelo. Uneziqu credit card yakho. iminyaka engu-20, amabhange kubhekwe yobudala kumanele umuntu ukuthi isebenzise isevisi ye loan.

Aludingi nje kuphela passport Russian. Umuntu ofuna ukuthola ikhadi lesikweletu, ikhasimende kufanele vele "Gazprombank" bese uthola iholo ku-akhawunti, zavedonny kule nhlangano. Ngaphezulu abantu akufanele isikweletu uma ngaphambili wathatha loan.

Kukhona inzuzo elinqunyiwe ikhadi lesikweletu kusuka ku "Gazprombank". umnikazi wayo ungaba iqhaza kuhlelo ibhonasi ka amagalaji. Ngasinye wachitha ruble 20 - lena 8 amaphuzu. Ukuthola kungenziwa wachitha esiteshini igesi "Gazprom". Futhi ngisho uthole ithuba ukuhlela izitolimende noma yini. Isilinganiso senzalo lesikweletu 27.9% ngonyaka, izindleko yonyaka yenkonzo - 750 k. Umkhawulo - ruble 200 000.

Sberbank: Ayikho imibandela ekhethekile

Yiqiniso, lapho uxoxa ezinjalo, awukwazi bayakhohlwa Sberbank credit card. iminyaka engu-20 - lokhu akulona yobudala enqunyiwe ongase abe ikhasimende ye isikhungo sezezimali. Esikhathini Savings Bank lungatholakala 18, futhi 14. Kulo mBhalo, umnikelo obuncane ruble 1,000. Can ubuyise ke, lapho nganoma iyiphi indlela. Imali ihlumela - kakhulu, kodwa kuphela ehhovisi.

Ngaphezu kwalokho, e-"Savings Bank" ungakwazi ngisho athathe isikweletu iminyaka engu-18, uma uthola umsebenzi kakade wathola. Kodwa kusadingeka guarantor ngesimo umzali noma umlondolozi, kanye nesitifiketi imali yabo (ngaphezu bebodwa).

Uyithola kanjani i-credit card in the Savings Bank?

Naphezu kwakho konke qotho izimo kubantu abasha, ikhadi ingatholakala kusukela engu-21. Credit kunokuba lasebhange. Izimo ezikahle - kancane ruble ezingaphezu kuka-60 ngenyanga. A isikhathi somusa izinsuku ezingu-50.

Umkhawulo - ruble 15 000, ikhadi isebenza iminyaka emithathu, futhi indaba yokungathathi-abafundi bayo abakwazi ngisho wahlela umsebenzi. Ngaphezu kwalokho, i-debit nama-owathenga ku-amabhonasi ikhadi, okungase yokukhokhela ukuthenga, amathilomu, amathikithi movie, nokunye. D. kunjalo, Sberbank njengoba isikhungo enokwethenjelwa kakhulu zezimali enikeza izimo ezikahle kakhulu futhi eziningi enokwengeziwe nice, mayelana, ungabona ukuthi, uma ufuna more.

ezinye izinketho

ERussia, kukhona inala nezinye izinhlangano zezimali ukuthi ukukhipha amakhadi esikweletu ukuze intsha kusuka 20 noma ngisho engu-18 edlule. Ngokwesibonelo, "Ak Bars" ebhange. Kanti inikeza umkhawulo ruble 100 000, isevisi zenhlangano konyaka wezimali 750 p, kanye yonyaka lenzalo ka - at 30,9%. Isikhathi - ezinsukwini ezingu-56. Ikhadi khishwa kuze bonke abantu abaneminyaka engaphezu kuka-18, ukuhlinzekwa yephasiphothi (ubuncane beminyaka - iminyaka engu-18).

Kukhona "Sovcombank". Kukhona ungahlela ikhadi osheshayo, okuthiwa. Umkhawulo lincane kakhulu - ruble 30 000. Isilinganiso senzalo - 29,9% ngonyaka, futhi engu ubuncane ikhasimende Kufanele ube neminyaka engu-20 (eyabafana). Girls ungasebenzisa le sevisi iminyaka engu-18. Nika ikhadi ngosuku olufanayo, okungukuthi, ngokushesha. Awekho amadokhumenti akudingeki - kuphela passport. Futhi okusadingeka ukuba lelipelwe esifundeni ekutholeni igatsha lasebhange.

Okuningi linikeza izimo ezinhle "Metrobank." Wakhe intsha Smile credit card khishwa kuze bonke ubudala engu-18 nangaphezulu abantu. Vele uwanike kudingekile idokhumenti amabili ngempumelelo. Ngokwesibonelo, ipasipoti civil kanye ilayisense yokushayela, noma "phesheya". Guys nakanjani ukwethula kamazisi yasebusosheni noma ukubhaliswa service. Umkhawulu 500 000, ukugcinwa khulula. Izinga lenzalo yemali mboleko ngokumangalisayo encane - 14-20% ngonyaka. A isikhathi somusa - ezingu-50.

Njengoba ubona, credit linikeza intsha kungukuthi ngisho ukusebenza - isisindo. Futhi ngenhla - akusiyo yonke uhlu kubo.