Ndalama Bank khadi: Mavoti, maganizo, zikhalidwe ndi ndemanga

Anthu ambiri amaganiza kuti mabanki ano anapereka yekha madebiti kapena ngongole, koma kwenikweni pali anthu yomwe adzapereke zonse chidwi, ndipo iwo amatchedwa "opindulitsa." Maps wa mtundu uwu masiku ano anapereka chiwerengero mokwanira lalikulu la mtsinje, ndipo aliyense amabweretsa mawu ake ndi zinthu. Ndi chifukwa chake anthu ambiri ayamba kuganizira mmene kusankha khadi chabwino ndi ntchito m'tsogolo.

Ndi chiyani icho?

Opindulitsa khadi - ndi nkhani imene banki adzapitiriza chiwongoladzanja malingana ndalama zingati kumanzere m'nkhaniyi. Dziwani kuti palokha khadi chotero ndi ngongole kapena madebiti khadi, koma chidwi accrued pa muyezo ikuchitika yekha pa nkhani ya nkhani ngongole.

Kodi kusankha?

Pakali pano, makadi kopindulitsa kwambiri kupereka njira zosiyanasiyana chidwi accrual. Tiyeni tione m'munsimu.

bonasi pamwezi

Mlingo Pankhaniyi utsogoleri zimadalira kukula wonse wa bwino osachepera kumapeto kwa mwezi, komanso pa zimene mtundu wa khadi imatengedwa.

The chiwongola dzanja, komanso kwa ena amafuna zosiyana kwambiri ndipo mwachindunji akudalira banki muli mutsogolerane. Choncho Mwachitsanzo, pansi pa mawu a "Promsvyazbank" osachepera ndi 15 000 rubles, zimene kasitomala bonasi udzaperekedwa mu mawonekedwe a 4.5%, pamene "nkhokwe" limapereka mwayi kusunga mu mphambu ake 10 000, ndipo Choncho kupanga mtengo atathana 5%. Mu chitsanzo ichi, mungathe bwino kwambiri kumvetsetsa mmene yopindulitsa kusintha mapu malingana bungwe limene inu anasankha kuzilongosola.

bonasi tsiku

Mu nkhani iyi, osachepera kuchuluka kwa muyezo ayenera anakhalabe tsiku ndi tsiku kuonetsetsa kuti munthuyo amatamanda bonasi. Pankhaniyi, kuchuluka kwa chidwi nthawi zambiri zaphindu ranges pakati akalozera wa 8% ndipo 10% pa annum.

ndi phindu kwa makasitomala chiyani?

Choyamba makadi onse opindulitsa banki ndi mtundu wa njira kuti zinthu zamakono za madipoziti yochepa, pamene kukhala chiwongola dzanja kwambiri, zabwino kwambiri. Komanso, mosiyana ndi muyezo gawo banki, inu nthawi zonse mwayi kutapa ndalama nkhani zawo kuti muzikhala nawo pa zosowa zawo.

Makasitomala okha amanena mu ndemanga zawo kuti opindulitsa madebiti khadi kapena ngongole nthawi zonse zinthu zina, zomwe si nthawi zonse zizigwirizana ndalama yabwino, koma ndalama analandira mwa namtindi wa milandu yokwanira kwathunthu chimakwirira ndalama za utumiki kapena malipiro banki yam'manja.

Kenako ife kuyang'ana njira yabwino mabanki aliyense wosuta paokha akanakhoza kupanga kufanana kwa bwana alipo. Pankhaniyi, tinali kusankha yopindulitsa khadi mlingo, anamanga ndemanga wosuta.

"PSB"

"Promsvyazbank" amapereka makasitomala ake khadi amatchedwa "onse Ponena", koma kwenikweni Sizikudziwika zimene mawu zimaperekedwa, mu chimake izi, ndipo ngati moyo ndi dzina lawo.

Okha yopindulitsa ngongole ku banki palibe, ndipo malinga ndi maganizo ichi, mapu kuchita masamu kapena madebiti. Pankhaniyi, mapu ntchito luso malipiro contactless ndi Chip zina lakonzedwa kupereka chitetezo kuzikonzanso. Dziwani kuti ngakhale kuti mapuwa sasamalira malire ngongole, n'zotheka kupeza mabonasi zingapo zabwino kuti kupereka ndalama zabwino.

ndi mabonasi zimenezi?

Makamaka tisaiwale ndalama kumbuyo, kukula kwa ndilo 5%. Kumene, kubwerera kumeneko uli kutali ndi kugula chilichonse si ndalama, koma okhawo kugula kuti anapangidwa ndi gulu makamaka. Mukhoza kusintha gulu, ndi ngati ndondomeko ndi ikuchitika osapitirira kamodzi miyezi itatu iliyonse. The pazipita zotheka kuchuluka kwa Malipilo a 1 000 pa mwezi kalendala.

Kwa amene muli ndi khadi ili patsogolo November 1, amapereka accrual chidwi pa muyezo. onse akhoza payekha anatsegula chifukwa ndalama ndi ku banki, kenako mosalekeza kulandira 6% pa kuchuluka kuti apatsidwa rubles.

Khadi utumiki ikuchitika kwathunthu kapena pafupifupi mfulu. utumiki mfulu kwathunthu amaperekedwa pa mlandu ndi bwino nthawi zonse pa khadi yanu ndi oposa 50 000 rubles pamwezi, kapena mutha kupanga kugula kuchuluka kwa anthu oposa 30 000 rubles. Tikumbukenso kuti amalipiritsa utumiki linaperekedwa mwezi uliwonse kapena kamodzi pachaka, malingana ndi zomwe njira kwa inu ziri zoposa zovomerezeka. Mwachitsanzo, ngati ndalama khadi banki analipira kamodzi pa chaka pasadakhale, koma pafupifupi inu munali ndalama zofunika kapena bwino, mu nkhani iyi kwa inu basi kusuntha lotsatira asadzakhale.

Mwini aliyense wa khadi ngati basi amakhala ophunzira a mapulogalamu bonasi PSBonus. Pakuti yense anakhala 150 rubles mwapatsidwa mfundo 10, lofanana ruble lina. Muzicheza mphambu kwanu, inu kutenga mfundo 7000, amene ntchito kulipira zosaposa 90% ya okwana mtengo kugula imodzi mwa makampani amene ampangira banki. Komanso, inu mukhoza kugwiritsa ntchito bonasi ndalama kwa malipiro wotsatira wa khadi utumiki pamwezi.

Iwo ali ndi mwayi mfulu kwathunthu kumasula makadi awiri achibale, chotero onse kupatsidwa ufulu SMS-Kuwafotokozera.

Rocketbank

Chotsatsa Rocketbank gawo la mapu koposa zonse ndalama akufuna kuti tsiku. Khadi imeneyo kupelekedwa ndi banki "Interkommerts", ndipo pa khadi ili lidzakhala adasunga ndalama zonse kuti inu kutamandidwa khadi. Dziwani kuti pa siteji iyi, kwathunthu mathero nawo banki, kotero kuti wakhala akugwira ntchito kwa osiyana odzipereka timu ya IT madokotala. Quality yofunsira yamakono poyamba anali ndi mwayi waukulu yodziwika banki, koma ndi ochepa kuphatikiza mwachilungamo kwambiri kwa khadili yawonjezedwa pa nthawi. Ngakhale kuti pogwiritsa ntchito mapu awa sikutheka kuti ngongoleyo, ali mmodzi wa bwana zabwino kusankha.

mtengo wa

Monga zodabwitsa monga zingamvekere kumayiko ena, koma Russia lero iwo akutenga ndalama kwa munthu kusunga ndalama zawo ku banki, koma nkhani imeneyi "Roketbank" lilinso kwambiri mbali yofunika kwambiri ndipo mabonasi. Tikumbukenso kuti yokonza khadi zingakhale mwamtheradi mfulu ngati wosuta zikugwirizana ndi mlingo wa "kuunika" adzakangamira wotuluka mwezi wokwanira oposa 30 000 rubles. ena onse kulipira 75 kapena 290 rubles mwezi.

Kusankha tariff "Kuunika", mwapatsidwa asanu withdrawals lopanda ATMs, komanso kuthekera anasamutsidwa kunja ndi ntchito 0.5%. Komanso, kugula onse ikuchitika ndi kutengerapo banki, kasitomala ali kung'anima kumbuyo pa mlingo wa 1%.

Ngati inu ntchito tariff "onse kuphatikiza" imene ndalama 290 rubles, nthawi 10 ndalama kudzipatula popanda mabungwe ndi chimodzimodzi popanda Commission anatumizidwa ku mabanki ena, pamene mphotho atagwira kugula ukufika 1.5%. Choncho, ngati mapu inu amacheza rubles oposa 58 zikwi pamwezi, kuwonjezeka mu "cashback" 0.5% adzalola kuti kubisa kwathunthu amalipiritsa izi.

Yemweyo ndalama khadi "Ndalama Bank" amapereka 3.5 okha% pa muyezo, koma palibiretu cashback iliyonse.

Revenue pa zotsalira

Terms of makadi angathe kupeza ndalama pa muyezo, kuchuluka lake 9% pa annum, koma pamapeto pake payenera kukhala 30-300 zikwi. Kuchepetsa osachepera kuchuluka si monga wokongola ngati mabanki ambiri, izo siziri, koma pa nthawi yomweyo, poyerekeza ndi mpikisano mwachindunji, "roketi" amapereka ochepa kwambiri, anapanga maganizo matanthauzo opindulitsa.

Kachiwiri, aliyense kugula mudzalandira mbali zina za kumbuyo, ngati inu adzawalange ndi kutengerapo banki. Dziwani chakuti khadi kumakupatsani 1% ya zogula onse, pamene makadi ena amakulolani kupulumutsa mpaka 5%, koma osiyanasiyana ena siyana kapena mokakamizika kugula kufunikira makampani ena.

Pafupifupi zofanana mlingo wa pachaka lipindulitsa khadi nkhokwe, koma kachiwiri, zilibe alibe ntchito zosangalatsa za cashback, chimene chiri chofunika kwambiri mwa mawu a dzuwa.

The mwayi waukulu

Ngakhale kuti mwa mawu awo ndi khadi ndi wotsika, monga tatchulazi, ntchito yake ndi kuthekera kulamulira chuma chawo mwa muyezo iPhone.

Mothandizidwa ndi ntchito yapadera angathe kuikidwa m'magulu ndalama yekha gulu, ndiyeno popanda vuto kuonera kumene bajeti ntchito. Pankhaniyi, wosuta ali zotheka zonse kuti mwamatapo Tags zawo zidzakhala mulingo woyenera kwambiri kwa iye. Komanso, palinso ntchito ya bajeti limodzi pamene makadi angapo amaphatikizidwa mu zopezera zonse kunachitika.

Komanso gombe lino amapereka wapadera mwathunthu kachitidwe kutengerapo, chabe kusankha dzina mu kope, ndiyeno abulusa ndi ndalama ndi kutumiza. Pamenepo adadzanso wolandira meseji amene angathe kusankha chidzankhalira ndi kuchuluka analandira ntchito kubanki kapena foni. Ngati kasitomala amalipira 290 rubles mwezi, nkhani zimenezi ndi mwamtheradi ufulu kwa iye.

asadziphe

Kuwonjezera makadi awa ku mabanki ena pali ambiri a ntchito zina. Makadi ameneŵa ali m'gulu la mndandanda wa njira yabwino mwa masiku ano Komabe, mwina bwana ku mabanki ena, mudzaona kuti phindu lalikulu.