Nkhani zachuma: chopereka kopindulitsa kwambiri. "Raiffeisenbank": zosangalatsa zonse za mitengo otchuka

Masiku ano aliyense kapena zochepa wolemera uja, ndi ndalama zina, amaganiza kuti: "Mwina kutsegula chuma?" "Raiffeisenbank" - bungwe ndalama, omwe anthu ambiri amachita izo kwa cholinga chimenechi. Tsopano ali pa malo 13 mwa 600 mabanki ku Russia. Ndipo ndi mlingo olimba, kutsimikizira kudalirika ake. N'zosadabwitsa kuti ambiri ndi kutembenukira kwa banki kuti. Koma kodi mitengo izo mungapereke kwa makasitomala lingathe?

"N'kopindulitsa"

Chinthu choyamba ndi kukuuzani zopereka. "Raiffeisenbank" kuika monga wotchuka kwambiri. Ndipo, monga akhoza kumva kuchokera dzina lake - ndi opindulitsa kwambiri.

Ndipo ubwino yabwino anasonyeza chitsanzo fanizo. Ndiye tinene kuti munthu ali ndi miliyoni chiwongolero mawilo, ndipo akufuna kutsegula gawo "N'kopindulitsa" mwa ndalamazo. Kwa miyezi 24 (pazipita, ndi njira), ndi chidwi capitalization. Voterani adzakhala 6.5% pa annum. Pa atapita munthu apeza ~ 138.400 rubles phindu ukondewo malipiro chidwi. Komanso Dziwani ndi kuti anadzazidwa zopereka. Ndipo yopindulitsa ndi mfundo ndi chidwi capitalization. Popanda pa lotha phindu adzakhala yafupika ndi 8000 rubles.

'Anapanga Win'

M'pofunika kuwauza nkhani ya zopereka. "Raiffeisenbank" Pankhaniyi amapereka zinthu zotsatirazi: miyezi 6 kapena 12, osachepera kuchuluka rubles 1 miliyoni (mu ndalama atatu), osachepera 50% tiyenera kukhala rubles.

Inde, yapadera tariff ichi ndi gawo lidzatsegulidwa kamodzi ndalama zitatu - mu rubles, mayuro ndi madola. Choncho dzina. Mlingo pazipita ndi 1% pa yuro, 2% ndalama ndi 5% mu rubles. Ndi ntchito ya capitalization pamwezi. Izi zikutanthauza kuti ndalama mwezi chidzakula pamene nkhaniyo zidzawonjezedwa chidwi.

Kodi mukufuna kudziwa zambiri zokhudza zopereka? "Raiffeisen" amapereka mawu awiri, monga tatchulazi. Ndipo njira zambiri zaphindu ndi kupereka ndalama kwa masiku 366. Ndiye mlingo adzakhala pazipita (iwo zalembedwa pamwambapa).

"Personal Kusankha"

Izi likanatha wina wotchuka, amene amapereka "Raiffeisenbank". Miyala ya anthu amasiyanasiyana zinthu zawo. Ndipo mu nkhani iyi ntchito malipiro yabwino chidwi. Iwo akhoza kunditumiza ku nkhani panopa kasitomala, kapena kuwonjezera kwa kuchuluka gawo. Iwo limabwezeretsa, ndi njira, kwa ndalama iliyonse.

Choncho, tiyeni tinene munthu padera miliyoni 1 zaka ziwiri pa mtengo uwu. phindu adzakhala 120 000. The mtengo 6% pa annum. Ndi poyerekeza ndi mmene zinalili ndi zina tariffs, chifukwa zinthu mwapadera zokhudza malipiro chidwi limapereka. Koma, mwa njira, ndi bwino kutsegula zopereka za "amasankha yekha" kwa miyezi 12, osati 24. Kenako mlingo adzakhala dzi - 6.5%.

Mwa njira, pali tariff "Ufulu kanthu", kutanthauza kuthekera nthawi iliyonse kuchotsa gawo la ndalama popanda imfa ya chidwi ndi kuwonjezera chopereka. Koma mu nkhani iyi mlingo pamene muli pa chaka, adzakhala zopanda 5.5%. Ichi ndi 55 000 rubles phindu kwa miliyoni.

"Malipiro"

Ndikuyankhula zomwe ndi zopereka kwa "Raiffeisen Bank" anthu, osanenapo chidwi ndi tariff lapansi. Ndi wotchuka kwambiri. Anthu amene akufuna kuti apereke izo amaperekedwa kuthekera tsankho achire (popanda peresenti imfa) ndi kubwezeretsa. Chidwi capitalized, ndi mlingo ukuwonjezeka ngati kuwuka ndi kuchuluka kwa gawo lapansi.

Ngati munthu ali ndi chidwi ndi "Malipiro" mtengo, iye ayenera kudziwa phindu angathe. Ngati aganyali $ 1 miliyoni p., Kumapeto kwa miyezi 12 mwezi kuti adzalandira ~ 63 800 rubles phindu. Izi polingalira capitalization. Mlingo ndi 6.2% pa annum.

Izi limapereka otchuka. Pali tariffs kutchula. Mwachitsanzo, "Insurance", "Investment", "umafunika", ndi zina zotero. D. Koma zopereka zimene zakhala tatchulazi, anthu ena ambiri mu ankafuna.