A credit card kanye nesikhathi entshisakalweni khulula: isimo amabhange

Inani amabhange lukhula nsuku zonke, futhi abasuke belwa nabo kumakhasimende. Kakhulu elula umkhiqizo yasebhange kukhona amakhadi okuthenga ngesikweletu noma ukukhuthaza kubo, bebhange basebenzisa izindlela ezihlukahlukene nokukhangisa nokumaketha izindlela. Ngokuvamile, ababolekisi ozama ukunweba ukusetshenziswa khulula izimali, okuthiwa isikhathi somusa. Kusolakala phakathi nalesi sikhathi akusho ezicela zenzuzo ukusetshenziswa kuthathwe "utsheleke" izimali, kodwa ingabe kunjalo ngempela? Iziphakamiso kukhona zikhange kakhulu, futhi kwezinye izimo entshisakalweni khulula isikhathi ngesikweletu kungaba kufikela kuzinsuku ezingu-200. Kuyini ukufihla imfihlo yayo, futhi elusizo kuye indoda emgwaqweni, ngempela?

Kangakanani isikhathi somusa

Mechanism-free noma abolekise concessional isetshenziswa isikhathi eside futhi isebenza ngale ndlela:

1. A credit card kanye nesikhathi entshisakalweni khulula sivuliwe ku ebhange ekhethiwe noma imeyli ifika.
2. Iqala kwesikhathi zokuhlala - isikhathi lapho uyithenga kumephu; yena, ibhange ilawula inani izindleko, futhi sihlinzekela kuvamise izinsuku ezingu-30. Ngokuvamile, ekuqaleni kwale isikhathi sokwenza ibalazwe kusebenze (ngezinye izikhathi iphoyinti is ukusebenza kuqala nge Ukusetshenziswa kwekhadi).
3. Iqala esinhle namakhadi okuthenga ngesikweletu, futhi iyaqhubeka ibizwa ngokuthi ukukhokhwa. Phakathi nalesi sikhathi, okweletayo ubophekile ukuba ubuyele ayemkweleta zonke ngezilokotho izimali. Ukuze bagweme ukukhokha inzalo emalini ebolekiwe, ngokwanele nje ukubuyela zonke lemali waboleka ngesikhathi.

Igama elithi we entshisakalweni khulula ukusetshenziswa ezezimali yasebhange ngokufingqiwe umusa kwesikhathi isiphetho, ukuze ingqikithi okungenani izinsuku 50.

Lapho udinga ukukhokha inzalo

Ezimweni lapho izimali ezibolekwe asisho aphumelele ukuze alulame ngokugcwele, ibhange abize inzalo emalini kwemali esetshenziswe esingashintshi kuze kufinyelelwe esikhathini zokuhlala. Phakathi isikhathi somusa usuku Ngokwenza lo ukukhokhelwa okungenani, okulingana 5 kuya ku-10 amaphesenti inani ukweletwa, kanye nenzalo ku loan.

Ekupheleni ezimali isikhathi sokuqala (izinsuku ezingamashumi amathathu) uzoqala nangonyaka wesibili okwalandela. It izosebenza kanyekanye nge sokukhokha. Lokhu kusho ukuthi, ngesikhathi esifanele ngokukhokha esikweletini ngokuthenga odlule, kungenzeka ukusebenzisa ikhadi ngokwenza amasha.

izibalo ngokucacile

Yokunquma inani inzalo enqwabelene kuncike isikhathi lezinkathi ezimbili, inkokhelo kanye ibalwa. Ukuze uthole incazelo kulula nokuqonda kungcono iphendukele isibonelo esikhethekile.

Ngokwesibonelo

Ukuqala isikhathi sokubala isikhathi lapho i-credit card kanye nesikhathi entshisakalweni khulula ebhange, noma kwezinye izimo, kusebenze walo. Uma kucatshangwa ukuthi usuku ikhadi kusebenze kwaba 1 Mashi futhi kule nyanga ikhadi sasetshenziswa ruble 30 000, kusukela ngo-Ephreli 1, t. E., Ngemva kwezinsuku ezingu-30, kuyoba isiphetho sokukhokhiswa kuqala. Bank afingqa Imiphumela futhi uthole ukuthi singakanani sasetshenziswa izimali ngenyanga edlule, futhi uyonikeza ikhasimende nge isaziso ecacisa isikweleti. Kulokhu, kuzoba ruble 30 000. Imininingwane kungenziwa enikeziwe ngezindlela eziningana:

• nge-SMS;
• yasebhange Inthanethi;
• Call ebhange-call centre.

Kwabe sekulandela inkathi ukukhokhelwa. Ake sithi uthi kuyinto izinsuku zekhalenda 20. Ngakho, kubonakala sengathi lapho kuzophela Apreli 21. Kufinyeta kokubili nezikhathi, sithola izinsuku 51, lapho izisebenzi zasebhange kanye esichazwa ngokuthi esinhle namakhadi okuthenga ngesikweletu, noma inzalo-DRM.

It kuvela ukuthi iklayenti, ongeyena uyalangazela ukukhokha inzalo ngemali yasebhange kuyodingeka bakhokhe zonke izindleko kuze 21 April. Lokhu akusho ukuthi inani eligcwele kufanele zibuyiselwe ngesikhathi esifanayo, kungenzeka ukuthi bahlukanise abantu bayifaka eziningi izinkokhelo, okubaluleke kakhulu, ukuthi ngo-April 21 kumephu kwakuyiyo yonke imali (kulesi sibonelo - ruble 30 000).

Uma udinga imali eningi

Kubalulekile ukuphawula ukuthi i-credit card kanye nesikhathi entshisakalweni khulula awukuvimbeli ukusetshenziswa okuqhubekayo credit ngesikhathi nelungelo. Ungaqhubeka ukuthenga ngekhadi lesikweletu, ngaphandle-ke, ivumela umkhawulo wesikweletu. Uma ngaphezu izimali ezibolekwe uzodingwa ukuze uthole enye i-ruble angu-5 000, futhi emephini, iklayenti unelungelo eligcwele ukuzisebenzisa, kuphela hhayi akhokhe inzalo loan, kuze April 21 kuyodingeka ukubuyela akuyona ayizinkulungwane 30 ruble, zonke waboleka ruble ayizigidi 35.

Uma kungenjalo abuyisele ngokugcwele izikweletu akunakwenzeka, akunandaba. ukuze nje Apreli 21, ikhasimende kuyodingeka wenze okungenani isikhathi imali. Kwezinye izimo, kuba zokhahlamba kusuka 5% kuya ku-10%.

Ngenxa yalesi isibonelo, bacabanga ukuthi inkokhelo encane kufanele kube-10% of the debt. Ngakho, ekuphetheni kwesikhathi somusa ku credit yakho score kumele libhaliswe ruble okungenani 3000. Lonke ulwazi ngokuvamile eziqukethwe isitatimende ukuthi amabhange ozama ukunikeza amakhasimende abo ngokubhala. Bona acabangele ukusebenza kwesikhathi ukubala, ie kuze April 1.

It kudingeka siyinake ngokukhethekile olandelayo ezimali sikhathi, okuyinto izothatha Ephreli 1 kuya May 1. Kuze Apreli 21, izinkathi ezimbili kuyendlulela futhi, njengoba abangu esikhulu nomunye. Lokho, uma izikweletu ikhokhiwe yonke phambi 21 Apreli, inani inkokhelo encane izobalwa ikhumbula izikweletu Imininingwane njengoba ka-May 1.

Ngo samuntu samanje, njengoba ichithe kuqala ruble 30 000, wenziwe 10% okuyinto njengoba inkokhelo encane. Khona-ke, ngemva Apreli 1, ikhadi isuswe omunye ruble 5 000. Ngakho, izikweletu nge-credit card ngo-May 1 kuyoba ruble 32 000, kanye inkokhelo encane, ngaleyo ndlela kuzoba ruble 3200. idiphozi kudingeka babe kuze 21 Meyi.

Kubonakala ekhangayo yasebhange sipho ukubolekisa ngomusa eside esiyizinsuku ezingu ayikhulu, futhi nakakhulu. I ezimali isikhathi sokuqala amakhadi afana, njengoba kwaba njalo endabeni yokuqala izinsuku ezingu-30, futhi ukukhokha isikweleti yasebhange ngaphandle isithakazelo esithe xaxa ikhasimende kungakapheli elandelayo izinsuku ezingamashumi ayisikhombisa.

Ukubalwa kwesikhathi mahhala kusuka yokufuna lokuqala

Lolu khetho iyatholakala uma isikhathi ezimali akuqali osukwini lokukhishwa noma ukusebenza ikhadi, kodwa kuphela eyokuqala uyisebenzisa. Okunjalo lesikweletu nge isikhathi entshisakalweni free kumakhasimende ne yokuncintisana kakhulu. Lokhu kungenxa yokuthi, ngokushesha usebenzise, ingasetshenziswa uma ufuna emva ikhadi wakho akuwona-ke. Okungukuthi, e khona umkhiqizo yasebhange omunye njalo has uhlobo oluthile reserve zezimali. A ekubalweni izithakazelo Kwenziwa ngaphandle namaqhinga ezingcolile.

Ake sithi ikhadi itholiwe ngeposi ku 1 Mashi, futhi kukhokhelwe ukuthenga wakhe kuphela 24 Mashi. Ngakho, wanezela lesi usuku izinsuku ezingu-30, kuvela ukuthi ekupheleni kwesikhathi sokukhokha ziyokuwa ngo-April 23. Ukuze ugweme inzalo kokukhokha, udinga ukuba isifundazwe sikhokhele yonke izikweletu ngo-13 Meyi. It ke siphela isikhathi somusa izinsuku 50.

Lapho inkathi izinkokhelo esokuba okungaguquki

Ingabe izibalo kanye isikhathi ikhalenda ukuthola imingcele (umusa, isiphetho) akuyona njalo elula, ngakho abanye amabhange ukhethe usuku oluthile lwenyanga isikhathi esithile. Kulokhu, akukho kutjhiwo isikhathi kokuthola ikhadi noma ekuqaleni ukusebenzisa kwayo. Ngokuvamile ekupheleni kwesikhathi sokukhokha iba lokuqala lwenyanga futhi ekupheleni umusa - 20 noma 25 lwenyanga, okwesikhathi ibalwa esilandelayo.

Ngokwesibonelo

On isibonelo salokhu kanje: at udumo ezitholakale isikhathi 1 Mashi wokukhokha 1 Apreli, kungakhathaliseki ukuthi usuku lwenyanga ukusebenzisa ikhadi. A sokukhokhwa lonke isikweleti, noma okungenani ukwenza esiphansi senkokhelo sesikweletu kuzodingeka silinde kuze April 25th.

izimo ezahlukene amabhange

Ngisho omunye ebhange banganikeza amabalazwe nge obuhlukahlukene ngemigomo yekhredithi. Leli qhinga isetshenziswa, "Alfa-Bank" linikeza amakhasimende ayo amabili izinhlobo zamakhadi:

1. Credit card kanye nongqi khulula izinsuku 100, okuyinto iqala ngamadijithi kokuthola ikhadi futhi sihlanganisa inkathi kanye ibalwa umusa esiyizinsuku ezingu-70 ngosuku-30.
2. Co-branded yekhadi credit Isikhathi samahhala ukuthi angavulwa kanye izinkampani ezinkulu (isb izindiza). Ngenxa yalesi yasebhange umkhiqizo esinhle kuyehla kube izinsuku ezingu-60.

Njengoba izibalo isikhathi yekucala, ukuthatha usuku kuvulwa ikhadi abakweletwayo ezifana Ikhaya Credit futhi "Sberbank". Isikhathi zamakhadi izinsuku ezingu-50.

Bank "Russian Standard" kwandisa isikhathi esiyizinsuku ezingama-5, 30 ezihlobene sokukhokhiswa, futhi 25 - ukuze oyithandayo.

isikhathi Mahhala "Tinkoff" inombolo efanayo izinsuku, kodwa uma iqala ngamadijithi ukuthengwa kuqala. Kodwa yekhadi entshisakalweni khulula sikhathi, "VTB 24" has izinhlobo ezahlukene, kuye ngobukhulu besikhumba saleso ebolekiwe, isikhathi somusa futhi izikhathi esiyizinsuku ezinga-50.

I enkulu isikhathi somusa

A credit card kanye nesikhathi entshisakalweni khulula izinsuku 200 ivelakancane, kuze kube manje, lo mkhiqizo inikeza amakhasimende ebhange yayo entsha "Avangard". Inani ezifana ikhadi lesikweletu encane, kepha isevisi ikhadi kunalokho ezibizayo. Futhi ungakwazi ngokunenzuzo le sipho kanye kuphela.

amaphuzu abalulekile

Lapho senza lesikweletu, kubalulekile ukwazi ukuthi isikhathi somusa iningi labo usebenza kuphela non-cash izinkokhelo. Thola ebhange, phakathi lapho kukhona ikhadi lesikweletu nge isikhathi entshisakalweni khulula ku cash Ukuzihoxisa, kunzima imikhiqizo credit. ababolekisi abaningi ukhokhisa i iphesenti ezengeziwe for cash Ukuzihoxisa ngesikhathi i-ATM.

Ukusayina inkontileka, ikhasimende kufanele ubheke ishejuli yenkokhelo naseduze ikhomishini yasebhange oyisibopho, okuzokwenziwa ebhaliwe ucime ncamashi ikhadi bese niyozenezelelwa esikweletini Imininingwane. Njengomthetho, kuba service lekhadi, isevisi ye-SMS, umshwalense.

Udinga ukuhlola ukuthi usuku ibhange kuyoba isikhathi kokuthola imali. Hhayi iqiniso ukuthi kuvumelana isibalo lwenyanga, lapho imali yayisenziwa zikhokhwa. Ngokuvamile ngalesi sikhathi kokuthola imali ngenxa umehluko phakathi nezinsuku kungaba kufikela kuzinsuku ezingu-3, ngisho ngaphakathi okufanayo sesikweletu. Ingasaphathwa Ukudluliselwa leposi kanye nezinye izinhlelo zokukhokha.

Ekunqumeni ukuthi uvule i-credit card, kudingeka acabangele ngenhloso isicelo yayo, ngasiphi iphuzu ubhekwa isikhathi kwenzalo. Luphinde kudingeka ufunde ngokucophelela imigomo lamabhange, okungase kuhluke kakhulu. Asikho isidingo ukusheshe wayethanda lokuqala isiphakamiso kungcono ukuba uhlole "kochwepheshe" futhi "nebubi."