Ngenzuzo Ikhadi lasebhange: Isilinganiselwa, imibono, izimo kanye nokubuyekeza

Abantu abaningi bacabanga ukuthi amabhange yesimanje enikeziwe lasebhange noma i-credit card, kodwa eqinisweni kukhona labo okunikeza ukushaja njalo kwezinhloso zenzuzo, futhi babizwa "inzuzo." Amamephu yalolu hlobo namuhla uphiwa inombolo ngokwanele enkulu amabhange, kanye ngamunye kuletha nemigomo yalo nemibandela. Kungenxa yalesi sizathu ukuthi abantu abaningi sebeqala ucabange indlela ukukhetha ikhadi kwesokudla futhi uwasebenzise esikhathini esizayo.

Kuyini lokhu?

ikhadi Kuyazuzisa --akhawunti lapho ibhange lizoqhubeka inzalo kuye ngokuthi ingakanani imali ishiywa ku-akhawunti. Kuyaphawuleka ukuthi ngokwako ikhadi esinjalo lesikweletu noma lasebhange, kodwa inzalo enqwabelene esele wenziwa kuphela endabeni akhawunti yekhadi.

Yini lokukhetha?

Kuze kube manje, amakhadi enenzuzo kakhulu ukunikela amaqhinga ahlukahlukene alo isithakazelo accrual. Ake sihlole ngezansi.

ibhonasi zanyanga zonke

Izinga wale ndaba uzoba ngqo incike ubukhulu jikelele esele ubuncane ekupheleni kwenyanga, futhi kulokho hlobo lwekhadi kubhekwa.

Izinga lenzalo yemali mboleko, kanye nazo zonke ezinye izidingo abasakwazi ezihlukahlukene futhi encike ngqo kulokho ibhange wena wakhetha. Ngakho, ngokwesibonelo, ngaphansi kwemibandela ye "Promsvyazbank" ubuncane ruble 15 000, okuyiwona ibhonasi ikhasimende kuzonikezwa ngesimo 4.5%, kanti "BIN" inikeza ithuba uhlale amaphuzu wakhe 10 000, futhi okwenza ngesilinganiso elimisiwe 5%. Kulesi sibonelo, ungakwazi ngokucacile kakhulu ukuqonda inzuzo kanjani ushintsho ibalazwe kuncike isikhungo lapho wakhetha ukuhlela kwabo.

ibhonasi nsuku zonke

Kulokhu, inani lemali elincane ibhalansi kufanele kugcinwe nsukuzonke ukuqinisekisa ukuthi umuntu uyasho ibhonasi. Kulokhu, inani intshisekelo ezimweni eziningi amabanga kunenzuzo phakathi indices 8% no-10% ngonyaka.

Iyini inzuzo ukuze ikhasimende?

Okokuqala amakhadi asebhange inzuzo kukhona uhlobo okunye kule mibandela yesimanje imali yesikhathi esifushane, kuyilapho ziba usizo kakhulu, kumnandi senzalo. Ngaphezu kwalokho, ngokungafani nezindinganiso imali ebhange, njalo nethuba imali kuma-akhawunti abo ukuze bachithe kubo izidingo zabo.

Amakhasimende ngokwabo abajayele izibuyekezo zabo ukuthi imali eningi lasebhange noma i-credit njalo kobujamo obuthileko, akusho ngaso sonke isikhathi sihambisana iholo ehloniphekile, kodwa izimali etholwe iningi labantu amacala kwanele elilingana ncamashí izindleko yesevisi noma yasebhange yokukhokha yeselula.

Okulandelayo sibheka okukhethwa best for amabhange ukuba umsebenzisi ngamunye bebodwa engenza ngokuqhathanisa iziphakamiso ezikhona. Kulokhu, sasivame ukhethe isilinganiso ikhadi inzuzo, eyakhelwe impendulo yomsebenzisi.

"PSB"

"Promsvyazbank" linikeza amakhasimende ayo ikhadi ngokuthi "yonke indalo", kodwa eqinisweni akwaziwa kulokho imigomo ahlinzekwa, kule samuntu, futhi uma baphila ngokuvumelana negama lawo.

Ngokwabo inzuzo ikhadi lesikweletu kusuka ebhange azitholakali, nangokuhambisana kulesi siphakamiso, ibalazwe ingabalwa noma lasebhange. Kulokhu, ibalazwe isetshenziswa ubuchwepheshe lezinkokhelo yokuxhumana kanye chip ezengeziwe eklanyelwe ukunikeza ukuphepha ngcono. Kuyaphawuleka ukuthi naphezu kweqiniso lokuthi kule mephu akayinekezi umkhawulo wesikweletu, kungenzeka ukuthola amabhonasi nice amaningana ukuthi ahlinzeke imali enhle.

Ziyini lezi amabhonasi?

Ngokuyinhloko-ke kufanele imali waphawula emuva, usayizi okuyinto 5%. Yiqiniso, babuye ikude yini oyithenge non-cash, kodwa kuphela labo zigqila ukuthi benziwe isigaba esithile. Ungashintsha isigaba, it is a inqubo enjalo wenziwa yini ngaphezu kwesikhathi esisodwa njalo ngemva kwezinyanga ezintathu. Umkhawulo lemali okungenzeka amaholo 1 000 phakathi kwenyanga ikhalenda.

Kulabo ithole leli khadi ngaphambi 1 Novemba sihlinzekela accrual inzalo ibhalansi. Zonke ezinye kungenziwa ngabanye wavula akhawunti yokonga ebhange, ngemva kwalokho ngokuqhubekayo ukuthola 6% lemali eziye bahambisa in ruble.

inkonzo Ikhadi Kwenziwa ngokuphelele noma cishe khulula. Ngokuphelele inkonzo khulula inikezwe icala ukulinganisela njalo ekhadini lakho kuyinto ruble ngenyanga ezingaphezu kuka-50 000, noma wenze ukuthenga in inani ruble ezingaphezu kuka-30 000. Kufanele kuqashelwe ukuthi inkokhelo yinsizakalo ikhokhelwa nyanga zonke noma kanye ngonyaka, kuncike ukhetho ngawe ingaphezu eyamukelekayo. Ngokwesibonelo, uma imali engenayo ikhadi lasebhange ikhokhwe kanye ngonyaka kusengaphambili, kodwa ngokwesilinganiso, kwadingeka izindleko ezidingekayo noma ibhalansi, kulesi simo ngawe ngokuzenzakalelayo hambisa olandelayo kuba khulula.

Wonke umnikazi ikhadi enjalo ngokuzenzakalelayo iba umhlanganyeli ibhonasi izinhlelo PSBonus. Isizathu salokhu siwukuthi yonke wachitha ruble 150 unikezwa amaphuzu 10, equivalent kuze ruble ezengeziwe. Chitha isikolo sakho kuyoba ngemva kokuba usuthathe amaphuzu 7000, asetshenziselwa ukhokha ngaphansi kuka-90% intengo Imininingwane ukuthengwa kwelinye izinkampani ukuthi ozakwethu ebhange. Ngaphezu kwalokho, ungase futhi usebenzise imali yebhonasi nokukhokhwa okwalandela yesevisi ikhadi nyangazonke.

It has ithuba nhlobo ukukhulula amakhadi amabili ngezihlobo zawo, futhi ngaleyo ndlela bonke bazonikezwa khulula SMS-kwaziswe.

Rocketbank

Isithembiso sokuthenga esiphuma Rocketbank ingxenye amabalazwe best of yonke imali ezihlongozwayo kuze kube manje. Leli khadi ekhishwe yasebhange "Interkommerts", futhi kuba kuleli khadi izogcinwa yonke imali ngeke likhokhele ikhadi. Kuyaphawuleka ukuthi ngalesi sigaba, ophela ngokuphelele iqhaza ebhange, ukuze iye iye ukusebenzela ehlukile ithimba yokuzinikela IT-ongoti. isicelo Quality smartphone wayedabuka inzuzo enkulu ezazivamile ebhange, kodwa nge plus ambalwa sasivumela abalulekile kule ikhadi yengeziwe ngokuhamba kwesikhathi. Naphezu kweqiniso lokuthi ngokusebenzisa le mephu akunakwenzeka ukuthola loan, ke ingenye iziphakamiso kangcono Ukukhetha.

izindleko

Njengoba isimanga kungase kuzwakale kwamanye amazwe, kodwa eRussia kube yilolu suku benza ukuthatha imali umuntu ukugcina imali yabo siqu ebhange, kodwa kulokhu, "Roketbank" inikeza eziningi izici awusizo futhi amabhonasi. Kufanele kuqashelwe ukuthi nokugcinwa leli khadi kungaba ngokuphelele free uma umsebenzisi uxhuma ngesilinganiso "Ukukhanya" futhi izobamba ukuthengiselana nyangazonke imali ruble ezingaphezu kuka-30 000. Zonke abanye ukhokhe ruble 75 noma 290 ngenyanga.

Ukukhetha tariff "Ukukhanya", unikezwa ukuhoxa five khulula kusuka ATM, kanye nokwenzeka Ukudluliselwa yangaphandle nge ikhomishana 0.5%. Ngaphezu kwalokho, bonke ukuthenga eyenziwa EFT, iklayenti has flash emuva ngesilinganiso 1%.

Uma usebenzisa tariff "zonke okufakayo", obiza ruble 290, izikhathi 10 imali kuhoxiswe ngaphandle ikhomishini futhi ngendlela efanayo ngaphandle Commission ethunyelwe kwamanye amabhange, kuyilapho umvuzo ebambe yezitolo ifinyelela 1.5%. Ngakho, uma ibalazwe uchitha ruble ezingaphezu kuka-58 eziyinkulungwane ngenyanga, ukwanda "cashback" 0.5% kuzokuvumela kutsetselelwe le nkokhelo.

Ikhadi ngenzuzo efanayo "Savings Bank" unika% 3.5 kuphela ibhalansi, kodwa entula ngokuphelele yimuphi cashback.

Revenue zinsalela ngayinye

Imigomo amakhadi angazuza imali esele, inani okuyinto 9% ngonyaka, kodwa ngokuhamba kwesikhathi kufanele kube ayizinkulungwane 30-300. Linganisa inani eliphansi akuyona njengoba ezikhangayo nezinye amabhange kakhulu, akusiyo, kodwa ngesikhathi esifanayo, uma kuqhathaniswa nabangu izimbangi zayo ngqo, "Rocket" unika embalwa nje, ngakho kwakhiwa isiphakamiso letihlomulisa.

Nalapha futhi, ngakho konke ukuthenga uzothola ingxenye ethile ngemuva, uma ungabanqanda ngu-EFT. Kuyaphawuleka yokuthi ikhadi ikunika 1% wazo zonke ukuthenga, kuyilapho amanye amakhadi zikuvumela ukuthi ulondoloze kufika ku-5%, kodwa kuphela ibanga elithile izigaba noma ophoqelelwe ukuthengwa isidingo ezinkampanini ezithile.

Cishe ngesilinganiso esifanayo ngonyaka ikhadi inzuzo BIN, kodwa futhi, ayinayo umsebenzi amnandi ezifana le cashback, okuyinto ebaluleke ngempela ngokuya kahle.

Inzuzo enkulu

Naphezu kweqiniso lokuthi imibandela yokusebenza kanye ikhadi iphansana, njengoba kushiwo ngenhla, inzuzo yalo iyona kungenzeka ukulawula izindlela zabo ngokusebenzisa iPhone ejwayelekile.

Ngosizo izicelo ezikhethekile angaqoqwa izindleko siqu by isigaba, bese ngaphandle kobunzima ukubukela lapho ibhajethi yakho isetshenziswa. Kulokhu, umsebenzisi konke okungenzeka ukuze bethela tags zabo, okuyinto kuyoba elilungile kakhulu kuye. Ngaphezu kwalokho, kukhona umsebenzi isabelomali ngokuhlanganyela, lapho amakhadi amaningi ehlangana kunethiwekhi agcwele.

Futhi lokhu ibhange linikeza uhlelo ukudlulisa eyingqayizivele ngokuphelele, wena umane ukhethe igama ku notebook, bese Drives isizumbulu semali bese uthumela. Bese kufika umamukeli umlayezo wombhalo ngalo Unganquma ukuthi iziphi izofakwa nge lemali umsebenzi etholwe akhawunti yasebhange noma iselula. Uma ikhasimende okhokhela ruble 290 ngenyanga, imibiko enjalo baqiniseka mahhala kuye.

ezinye izinketho

Ngaphezu kwalezi amakhadi ezivela kwamanye amabhange amakhulu kukhona eziningana impela nezinye iziphakamiso. Lawa makhadi bayingxenye uhlu okukhethwa best phakathi etholakala namuhla, Nokho, mhlawumbe esikhathini iziphakamiso ezivela kwamanye amabhange amakhulu, uyokuthola inzuzo enkulu.