Chilolezo. Ngongole popanda chaka chautumiki

makhadi akhala imathandiza kwambiri chida kasamalidwe ndalama. Amaonedwa kukhala mtundu wa ngongole kuti n'zosavuta kuti ndi yabwino kupereka. Ngakhale kusankha lonse, khadi wotchuka kwambiri ngongole ndi utumiki palibe pachaka, zomwe akambirana nthawi ina nkhaniyi.

Ubwino waukulu

Kuyesera makasitomala wokhulupirika ndi kukopa atsopano, mabanki ambiri akupanga zinthu zatsopano kwa yokonza makhadi. Ubwino zofunika mu nkhani iyi ndi nthawi chidwi ufulu wa magwiritsidwe la ndalama. mabanki, izo nzosiyana, koma kuti zimenezi nthauza wobwereka ena kuganiza za mavuto a zachuma.

A ngongole popanda wosonkhetsa ndalama ali kukhala zofunika kwambiri, ngakhale mu mgwirizano wa banki kwa kasitomala ayenera kusamala makamaka.

Choyamba, khadi amenewa angakhale mlingo mkulu chidwi kupitirira nthawi chidwi wopanda. Kachiwiri, utumiki ufulu zitha mpaka chaka choyamba atalandira khadi. Ndipo chachitatu, mwina mkulu kuchuluka kwa achire ndalama, kutembenuka, ndi zina zotero. D.

Features

Ngongole popanda utumiki wa pachaka, mosiyana ndi ena, mwina mukhale ndi osachepera options. M'mawu ena, kwapatsidwa dziŵani okha ndi banki. Ambiri mwina, pambuyo nthawi mapuwa adzakhala ikumasuliridwa chaka chautumiki ali osiyanasiyana options.

Map popanda utumiki zambiri malonda ndawala banki kukopa makasitomala atsopano, choncho amathandiza kumvetsa mmene inu ntchito n'kopindulitsa:

• Kukula pafupifupi ya pachaka ngongole utumiki ranges kuchokera 750 rubles. mpaka rubles 3000. malingana mtundu khadi ndi mndandanda kusankhapo, kotero banki pamaso kulembetsa ya mgwirizano ndi koyenera kuti kasitomala kumvetsa ndekha, kaya khadi ntchito mosalekeza kapena ndi fallback kwa tsiku mvula.
• Ngati khadi zidzagwiritsidwanso ntchito mosalekeza, makamaka kugula cashless kunja, ayenera kulabadira kukula kwa kutembenuka ndi. Ndipotu, ngati khadi ndi ufulu wa yokonza, n'kutheka, banki adzatenga thambo mkulu chidwi kwa njirayi, ndiye tanthauzo la utumiki ufulu kusiyiratu. Bank kasitomala mudzataya ndalama pa zinthu zina khadi.
• Makasitomala, amene amangokhalira kugwira ntchito ndi makadi, ngongole akhoza chikalata popanda utumiki wa pachaka ndi uthunthu wonse wa options (kawirikawiri "golide" khadi makasitomala adalipo).

kulembetsa

Pezani ngongole popanda zingati pachaka akhoza kukhala tionane kosamalira ndalama kapena kudzera pawebusaiti yovomerezeka ya gombe, kusiya Intaneti ntchito mawonekedwe. kokha pasipoti zingamuthandize kalembera, koma mu nkhani iyi, ndi pa malire ndalama adzakhala yaing'ono.

Ngati mukufuna kulandira ndalama zambiri, muyenera kukhala okonzeka kupereka phukusi zonse zolembedwa:

• Russian pasipoti;
• mawonekedwe mudziwe DZENJE 2, umboni wa ndalama;
• umboni zina kudziwitsa;
• ndi buku la ntchito;
• zikalata zina apempha banki.

Ngati munthu ali ndi khadi malipiro banki ena, pempho kwa ngongole kuchita bwino kumeneko. Pali njira, ndi kuti chiwongola dzanja Pankhaniyi adzakhala zochepa, ndi kukonzanso pachaka adzakhala kwina.

umafuna a mabanki

Tiyeni tione ena mwa maganizo kwa mabanki zosiyanasiyana, zomwe ngongole khadi akhoza chikalata popanda utumiki wa pachaka.

Kumene, pali ntchito zina ndi mabungwe ena azachuma. Mulimonsemo, aliyense wobwereka ayenera kusankha zinthu zimene ali oyenera kwambiri kwa iye.

Anapereka kwa Sberbank

Sberbank ngongole khadi ndi utumiki palibe pachaka zoperekedwa kwa makasitomala, amene ali kale ndi madebiti khadi kapena kopeleka malipiro makasitomala. Nthawi zonse, ndi chisanadze ovomerezeka khadi zosasamaliridwa ndi munthu malire ndalama.

"Gold Khadi".

Pafupifupi makhalidwe omwewo ndi mapu "Moyo". kusiyana Small ali adzapereke ndi malire pa issuance ndalama patsiku.

Sberbank Gawo limeneli potsogolera 50% wa mtengo chaka chautumiki cha chikondi cha.

Map "Classic".

Chidwi ndi mapu a "Aeroflot". Malinga mtundu wake, kasitomala amalandira pambuyo chobwezera cha kugula awo iliyonse rubles 50 kuchokera 500 mpaka 1000 "mailosi".

Map "patsogolo" amatanthauza mtundu wosiyana. ntchito yake ili zinthu zina.

"Youth" ndi chidwi ndi mapu. Iwo akhoza chikalata ophunzira amene alibe ndalama okhazikika.

achire ndalama

Mawu khadi zoti achite malipiro si ndalama. Ngati wobwereka akufuna kuti mupewe ndalama, akhale okonzeka kulipira ndalama 3% 7%, komanso kutaya nthawi chidwi wopanda. Kugwiritsa ntchito ndalama kuchotsedwa ngongole, ndi zinadzala ndi overpayment yaikulu ndi komishoni kwambiri.

Pali mabanki kuti kupereka ndalama achire ndi makhadi. Koma msonkhano uno awonjezeka kwa makasitomala mwayi, ophunzira a ntchito malipiro ndi antchito a banki kupereka njirayi.