A ngongole ndi nthawi chidwi-free: chikhalidwe cha mabanki

chiwerengero cha mabanki ikukula tsiku lililonse, ndipo akulimbana kwa makasitomala. Kwambiri yabwino banki mankhwala ndi makhadi kulimbikitsa iwo, osunga ndalama ntchito zosiyanasiyana malonda ndi malonda njira. Nthawi zambiri, obwereketsa akuyesera zokulitsa ntchito ufulu ndalama, wotchedwa nthawi chisomo. Zimamveka nthawi iyi si accrue chidwi ntchito atengedwa "anabwereka" zachuma, koma kodi? maganizo ndi yosangalatsa kwambiri, ndipo nthawi zina chidwi wopanda ngongole nthawi kungakhale kwa masiku 200. Kodi kubisala tsenga, ndipo lipindulitsa munthu mu msewu, kwenikweni?

Kodi nthawi chisomo

Limagwirira-free kapena kukongoza concessional ntchito kwa nthawi yaitali ndi ntchito motere:

1. A ngongole ndi nthawi chidwi-free tidutse mu banki anasankha kapena makalata akubwera.
2. Umayamba nthawi ndi kuthetsa - nthawi imene inu mugule pa mapu; Nayenso banki akulamulira kuchuluka kwa ndalama, ndipo amausamalira zimakhala masiku 30. Nthawi zambiri, chiyambi cha nthawi ndi nthawi kutsegula mapu (nthawizina kuyambira Mfundo opaleshoni yoyamba ndi ntchito khadi).
3. Umayamba makhadi chisomo nthawi, ndipo akutchedwa kulipira. Panthawi imeneyi, wokongolayo ayenera kubwerera ku ngongole zake zonse mwachilolezo cha ndalama. Poopa kupereka chiwongoladzanja pa ngongole ndi, basi zokwanira kuti tibwererenso onse kuchuluka anabwereka pa nthawi.

Mawu a ntchito chidwi ufulu wa banki ndalama zalongosoledwa mwachidule kwa chisomo ndi nyengo ndi kuthetsa, kotero kuti okwana masiku osachepera 50.

Pamene muyenera kulipira chidwi

Nthawi kumene ndalama anabwereka si bwino kuti achire bwinobwino, gombe adzakhala chiwongoladzanja pa ndalama zimene zimagwiritsidwa kwa nyengo ndi kuthetsa. Nthawi chisomo ndi tsiku amalipira osachepera, amene chimachititsa 5 peresenti 10 kuchuluka okwana ngongole, kuphatikiza chidwi ngongole ya.

Pa mapeto a nthawi mlandu woyamba (masiku makumi atatu) adzayamba chachiwiri ndi wotsatira zaka. Izo ntchito imodzi ndi nthawi zolipiritsa. Izi zikutanthauza kuti, mu nthawi yake ndi kulipira ngongole ya kugula yapita, n'zotheka ntchito khadi kupanga atsopano.

kuwerengetsera kulunjika

Kuona kuchuluka chidwi accrued zimadalira nthawi ya nyengo ziwiri, malipiro ndi masamu. Kuti mudziwe mosavuta ndi kumvetsa bwino amachita chitsanzo chapadera.

Mwachitsanzo

Chiyambi cha nthawi ya mawerengedwe ndi nthawi imene ngongole ndi nthawi chidwi-free ku banki, kapena nthawi zina, kutsegula ake. Kungoganiza kuti tsiku khadi kutsegula anali March 1 ndi mwezi uno khadi anathera 30 000 rubles, April 1, T. E., Patapita masiku 30, adzakhala mapeto a nthawi zolipiritsa choyamba. Bank n'cigwagwa zotsatira ndi kupeza yambiri ndalama kwa mwezi watha, ndipo adzapereka makasitomala ndi chidziwitso kutchula kuchuluka kwa ngongole. Pankhaniyi, zidzakhala 30 000 rubles. Information angathe kuperekedwa mu njira zingapo:

• kudzera zidziwitso SMS;
• Internet banki;
• Itanani banki kuitana likulu.

Kenaka nthawi ya malipiro. Tiyerekeze kuti iye ndi 20 kalendala masiku. Motero, zikuoneka kuti iye adzathetsa April 21. Mwachidule nthawi zonse, tiyenera kupeza masiku 51, amene osunga ndalama ndi kuperekedwa monga makhadi chisomo nthawi, kapena chidwi wopanda.

Iwo likukhalira kuti kasitomala, amene sakonda kulipira chidwi pa ndalama kubanki kulipira ndalama zonse mpaka 21 April. Izi sizikutanthauza kuti ndalama zonse kuti anabwerera pa nthawi yomweyo, n'zotheka muchigawane mu chiwerengero cha ndalama, Chofunika, kuti mwa April 21 pa mapu anali ndalama zonsezo (muchisanzo chimenechi - 30 000 rubles).

Ngati mukufuna ndalama zambiri

Nkofunika kudziwa kuti ndi ngongole ndi nthawi chidwi-free saletsa anapitiriza ntchito ngongole mu nthawi yopambana. Mukhoza kugula kudzera ngongole, pokhapokha, ndithudi, amalola malire ngongole. Ngati kuwonjezera pa ndalama anabwereka zidzafunika wina 5 000 rubles, ndipo ali pa mapu, kasitomala ali ndi ufulu wonse kugwiritsa ntchito iwo, koma osati kupereka chidwi ngongole, mpaka April 21 adzafuna kubwerera si 30 zikwi rubles, onse anabwereka rubles 35 chikwi.

Ngati si kubwezera ngongole n'zosathekadi, zilibe kanthu. Kungokhala April 21 kasitomala ayenera kukhala osachepera malipiro osachepera. Mu zina, ranges kuchokera 5% 10%.

Mwachitsanzo izi, kuganiza kuti malipiro osachepera akhale 10% ya ngongole. Choncho, pa mapeto a nthawi chisomo pa ngongole mphambu uyenera analembetsa osachepera 3000 rubles. Zonse zomwe kawirikawiri ali mawu akuti mabanki ndi kuyesera kupereka makasitomala awo kulemba. Iwo kuganizira ntchito nthawi mawerengedwe, mwachitsanzo mpaka April 1.

Tiyenera mwapadera kulongosola nthawi yachitatu, adzakhala kuchokera April 1 May 1. Mpaka April 21, nthawi ziwiri alipo ndipo ngati unali superimposed pa wina ndi mzake. Kuti, ngati ngongole yaperekedwa mu zonse pamaso April 21, kuchuluka kwa malipiro osachepera adzakhala masamu kutenga nkhani ngongole okwana monga wa May 1.

Mu chimake alipo, choyamba tinakhala 30 000 rubles, 10% amene anapangidwa monga malipiro osachepera. Kenako April 1, khadi atachotsedwa wina 5 000 rubles. Choncho, ngongole ndi ngongole pa May 1 kudzakhala 32 000 rubles, ndi malipiro osachepera Momwemo ndimmene Kudzakhalira 3200 rubles. Gawo ndalama muyenera kuti mpaka 21 May.

Zikuoneka wokongola kwambiri banki kupereka ngongole ndi nthawi yaitali chisomo cha masiku zana limodzi, ndipo ngakhale zambiri. Woyamba mlandu nthawi makadi amenewa, monga mmene zinalili poyamba masiku 30, ndi kulipira ngongole kubanki popanda chiwongoladzanja chilichonse owonjezera makasitomala mulole mwa masiku makumi asanu ndi awiri lotsatira.

Yowerengera ufulu zapakati pa kupeza loyamba

Izi njira likupezeka pamene nyengo mlandu sayamba ndi deti la magazini kapena kutsegula wa khadi, koma poyamba ntchito. Chotero ngongole ndi nthawi chidwi-free ndi makasitomala ndi mpikisano kwambiri. Ichi ndi chifukwa chakuti, nthawi yomweyo ntchito, zikhoza kugwiritsidwa ntchito ngati mukufuna pambuyo khadi lanu si izo. Ndiko kuti, pamaso pa banki mankhwala limodzi nthawi zonse mtundu wa malo chuma. A mawerengedwe zinthu ikuchitika popanda zidule aliyense zauve.

Tiyerekeze kuti khadi wakhala kuyilandira poukanso positi pa 1 March, ndipo analipira kugula ake okha pa March 24. Choncho, kuwonjezera tsiku ili la masiku 30, likukhalira kuti mapeto a nthawi zolipiritsa adzagwa pa April 23. Poopa kupereka chidwi, muyenera kulipira ngongole lonse 13 May. Izo ndiye akuthamanga chisomo kwa masiku 50.

Nyengo ya malipiro ali mosamalitsa amodzi

Kodi masamu ndi nthawi kalendala kuti mupeze malire (chisomo, Pamudzi) si nthawi yabwino, kotero ena mabanki anaika tsiku linalake lapadera la mwezi kwa nthawi mwasankha. Pankhaniyi, palibe ponena za nthawi ya chiphaso cha khadi kapena chiyambi cha ntchito zake. Nthawi zambiri mapeto a nthawi zolipiritsa wobwezera loyamba la mwezi komanso mapeto a chisomo - 20 kapena 25 pa mwezi, kwa masamu lotsatira.

Mwachitsanzo

Pa chitsanzo cha izi motere: pa ngongole analandira pa 1 March, nthawi zolipiritsa itha April 1, ziribe kanthu zomwe tsiku la mwezi ntchito khadi. A alipire kuchuluka lonse la ngongole, kapena kupanga osachepera malipiro ngongole bungwe kudikira mpaka April 25.

zinthu zosiyana za mabanki

Ngakhale mmodzi wa banki angathandize mapu yosiyana mawu ngongole. Msampha umenewu ntchito, "Alfa-Bank" amapereka ogula mitundu iwiri ya makhadi:

1. Mawu khadi ndi ufulu masiku 100, amene amayamba ndi polandirira msonkho khadi ndipo imakhala masiku 30. ndi masamu 70 tsiku chisomo nthawi.
2. Co-kuwasindikiza ngongole ndi ngongole ufulu nthawi kuti akhoza anatsegula pamodzi ndi makampani akuluakulu (mwachitsanzo ndege). Kubanki imeneyi mankhwala chisomo yafupika masiku 60.

Monga poyambira mawerengedwe nthawi, kutenga tsiku kutsegula kwa khadi angongole monga Home Mawu ndi "Sberbank". Grace nthawi makadi ndi masiku 50.

Bank "Russian Standard" kumawonjezera masiku 5, 30 umene ikukhudzana bwanji ndi nthawi ya zolipiritsa, ndi 25 - kuti ŵakwenera.

Free nthawi "Tinkoff" ndi nambalayi a masiku, koma zikuyamba ndi kugula woyamba. Koma ngongole khadi ndi chidwi-free nthawi, "VTB 24" ali mitundu yosiyanasiyana, malinga ndi kukula kwa ngongole, koma nthawi chisomo ndi mlingo wa masiku 50.

Nthawi lalikulu chisomo

A ngongole ndi nthawi chidwi ufulu wa masiku 200 chosowa kwambiri, chibwenzi, mankhwala amapereka makasitomala Bank latsopano "Avangard". Kuchuluka kwa khadi ochepa ngongole, koma kutumikira khadi m'malo okwera mtengo. Ndipo inu tingalandire mwayi umenewu kamodzi kokha.

mfundo zofunika

Posankha ngongole, ndikofunika kudziwa kuti nthawi chisomo ambiri a iwo amangonena za malipiro si ndalama. Pezani banki, Pakati pali ngongole ndi nthawi chidwi-free pa withdrawals ndalama, n'zovuta mankhwala ngongole. obwereketsa ambiri mlandu ndi kuchuluka zina withdrawals ndalama pa ATM.

Ndi kusainira mgwirizanowo, makasitomala ayenera amatchula ndandanda malipiro ndi pafupi komishoni lamulo banki, zomwe zinalembedwa mu ndendende khadi ndi zidzawonjezedwa kwa ngongole zonse. Monga ulamuliro, ndi malipiro khadi utumiki, utumiki SMS, inshuwalansi.

Muyenera kufufuza zomwe tsiku banki adzakhala nthawi ya chiphaso cha ndalama. Osati chakuti chikugwirizana ndi chiwerengero cha mwezi, pamene ndalama anali disbursed. Nthawi imeneyi chiphaso cha ndalama chifukwa cha kusiyana pakati pa masiku kungakhale kwa masiku 3, ngakhale mu bungwe lomwelo ngongole. Osati kutchula anasamutsidwa positi ndi machitidwe ena malipiro.

Posankha kutsegula ngongole, muyenera kuganizira cholinga cha ntchito yake, pa zimene Mfundo ankaona kuti nthawi chidwi wopanda. Ndi kupeza kuti powerenga mawu a mabanki, zimene zingakhale zosiyana kwambiri. Palibe kufunika kuthamangira woyamba ankakonda pempholo bwino kufufuza "ubwino" ndi "kuipa."