Izimali, Nokubonga
Clearance. Credit Card ngaphandle isevisi yonyaka
Credit card babé ithuluzi ngempela Ukugunda for ukuphathwa cash. Bona abhekwa uhlobo loan ukuthi kulula ukuthola futhi elula ukunikeza. Naphezu ligunya lekukhetsa kabanti, ethandwa kakhulu yekhadi bangabe besakhonza yonyaka, okuzoxoxwa kamuva esihlokweni.
Izinzuzo main
Ukuzama ugcine amakhasimende abaqotho nokuheha abasha, amabhange abaningi ekuthuthukiseni izimo ezintsha ze-izinsizakalo credit cards. Inzuzo ezibaluleke kakhulu kulokhu kwesikhathi entshisakalweni mahhala ukusetshenziswa kwezimali. Zonke amabhange, kungcono ezahlukene, kodwa lokhu kungenzeka ilungelo umboleki isikhathi sokucabanga ngezinkinga zezimali.
Ikhadi lesikweletu kungekho Imali ekhokhelwa isevisi yonyaka buya ngokuya ezibalulekile, nakuba kwinkontileka of ibhange iklayenti kudingeka baqaphele ngokukhethekile.
Okokuqala, e ikhadi ingaba izinga okusezingeni eliphezulu kwezinhloso zenzuzo ngalé kwesikhathi kwenzalo. Okwesibili, isevisi khulula ungakwazi kuphela kudonse onyakeni wokuqala ngemuva kokuthola ikhadi. Okwesithathu, kungase kube iphesenti eliphezulu cash ukuhoxiswa, ukuguqulwa kokubika, nokunye. D.
Izici
Credit Card ngaphandle isevisi yonyaka, ngokungafani abanye, angase abe iqoqo ubuncane ongakhetha. Ngamanye amazwi, sinikezwa ukuba azijwayeze ebhange. Cishe, ngemva kwesikhathi yale mephu kuzohumushwa ku wenkonzo waminyaka yonke has a ezahlukene ongakhetha.
Map ngaphandle inkonzo ngokuvamile kuba umkhankaso wokukhangisa we ibhange ukuheha amakhasimende amasha, ngakho kuyasiza ukuqonda indlela osebenzisa ngayo ke kunenzuzo:
- Usayizi isilinganiso wenkonzo waminyaka yonke credit zokhahlamba kusuka 750 ruble. kuze ruble 3000., kuye ngohlobo ikhadi bese iqoqo ongakhetha, ngakho ebhange ngaphambi ukubhalisa yesivumelwano kuyadingeka iklayenti ukuqonda ngokwami, kungakhathaliseki ikhadi isetshenziswa ngokuqhubekayo noma bungukubuyela emuva ngoba ngosuku oluna imvula.
- Uma ikhadi izosetshenziswa njalo, ikakhulukazi cashless ukuthenga phesheya, kufanele sinake usayizi ukuguqulwa. Phela, uma ikhadi imahhala yesondlo, kungenzeka, ibhange kuzothatha inzalo isibhakabhaka-okusezingeni eliphezulu kulolu khetho ke okushiwo inkonzo khulula iphele. Bank iklayenti uyolahlekelwa imali ngakolunye ukuthengiselana ikhadi.
- Amakhasimende, ngubani njalo ukusebenza amakhadi, i-credit card kungenziwa ikhishwe ngaphandle isevisi yonyaka nge uhla egcwele ongakhetha (ngokuvamile "igolide" ikhadi amakhasimende ayethanda).
ukubhalisa
Thola i-credit card kungekho Imali yonyaka kungaba yokuxhumana isikhungo sezezimali noma ngokusebenzisa ingosi engokomthetho ebhange, kokushiya inthanethi ifomu. kuphela passport kuyadingeka ukubhalisa, kodwa kulokhu, futhi umkhawulo imali kuyoba encane.
Uma ufisa ukuthola isamba esikhulu, kufanele ukulungele ukunikeza iphakethe egcwele imibhalo:
- iphasiphothi Russian;
- Imininingwane ifomu PIT 2, ubufakazi engenayo;
- ubufakazi obengeziwe ungubani;
- ikhophi yencwadi umsebenzi;
- namanye amadokhumenti kucelwe ebhange.
Uma umuntu ikhadi iholo ebhange ethile, isicelo ikhadi lesikweletu ukwenza kangcono khona. Kukhona inketho, nokuthi inani lenzalo kulokhu buzoba buncane, kanye nokugcinwa yonyaka kuyoba lingekho.
izipesheli amabhange
Ake sicabangele ezinye iziphakamiso kusukela amabhange ezahlukene, iliphi ikhadi lesikweletu kungenziwa ikhishwe ngaphandle isevisi yonyaka.
igama ebhange | timo letisisekelo |
"VTB 24" |
|
"Ibhange lase-Moscow" |
|
"Renaissance Credit" |
|
"PSB" |
|
"Agricultural Bank" |
|
Yiqiniso, zikhona nezinye iziphakamiso kusuka nezinye izinhlangano zezimali. Kunoma ikuphi, umboleki ngamunye kufanele ukukhetha izimo ezilungele kakhulu kuye.
Ukunikezwa kusukela Sberbank
Sberbank yekhadi bangabe besakhonza yonyaka okunikwa amakhasimende avamile, osevele abe lasebhange noma kwabasebenzi amaklayenti. Kuzo zombili lezi zimo, kuba ikhadi ivunywe kuqala zingagadiwe nge umkhawulo wezimali ngamunye.
"Igolide Card".
isevisi | tariffing |
isevisi yonyaka |
|
Isilinganiso senzalo% |
|
Umkhawulo Ukukhishwa imali ngosuku | ruble 300 000 - 100 000. |
Cishe izici ezifanayo kanye ibalazwe "Ukuphila". umehluko ezincane ku ukushaja futhi nomkhawulo Ukukhishwa imali ngosuku.
isevisi | tariffing |
isevisi yonyaka |
|
Isilinganiso senzalo% |
|
Umkhawulo Ukukhishwa imali ngosuku | ruble 300 000 - 50 000. (Kuye hlobo lwekhadi futhi ukuthi iklayenti kungokwaphakade). |
Sberbank, ngoba ingxenye yayo uqondisa kufika ku-50% we-wenkonzo waminyaka yonke izindleko esiza abantulayo.
Ibalazwe "Classic".
isevisi | tariffing |
isevisi yonyaka |
|
Isilinganiso senzalo% |
|
Umkhawulo Ukukhishwa imali ngosuku | ruble 150 000 - 50 000. |
Inzalo ibalazwe "Aeroflot". Kuye uhlobo yayo, ikhasimende uthola ngemuva kokukhokha ukuthenga kwabo zonke ruble angu-50 500 kuya 1000 "amamayela".
isevisi | tariffing |
isevisi yonyaka | Kusukela ruble 900. kuze ruble 3500. |
Isilinganiso senzalo% |
|
Umkhawulo Ukukhishwa imali ngosuku | ruble 300 000 - 50 000. (Kuye hlobo lwekhadi futhi ukuthi iklayenti kungokwaphakade). |
Ibalazwe "Momentum" sibhekisela ohlotsheni oluhlukile. Ukusetshenziswa Its has kwezimo ezithile.
isevisi | tariffing |
isevisi yonyaka | khulula |
Isilinganiso senzalo% | 18.9 |
Umkhawulo Ukukhishwa imali ngosuku | ruble 150 000 - 50 000. |
imibandela eyengeziwe |
|
"Youth" Kuyathakazelisa futhi ibalazwe. Kungaba ikhishelwe abafundi abangasebenzi unomphela.
isevisi | tariffing |
isevisi yonyaka | 750 ruble. |
Isilinganiso senzalo% | 33,9. |
Umkhawulo Ukukhishwa imali ngosuku | ruble 150 000 - 50 000. |
cash ukuhoxiswa
Credit card yakhelwe ukugcina lokukhokha non-cash. Uma lo muntu obolekayo uhlose ukuhoxisa ukheshi, kufanele uzimisele ukukhokha imali engu-3% kuya ku 7%, kanye ulahlekelwe kwesikhathi kwenzalo. Ukusetshenziswa kwemali elikhishwe credit card, igcwele ngokweqile omkhulu futhi ikhomishini ngaphezulu.
Kukhona amabhange anikeza cash ukuhoxiswa nge credit cards. Kodwa le sevisi ngokuya litholakale amaklayenti nelungelo, abahlanganyeli amaphrojekthi iholo kanye nabasebenzi ibhange ukunikela le ndlela.
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