Ngo okuyinto ibhange inzuzo kakhulu ngekhadi lokuthatha ngesikweletu?

2012 lwembula ukuthi amakhasimende ebhange ziya ngokuya uzimisele ukuthola umkhiqizo okungabizi kakhulu. Yilezo credit cards. Uma iklayenti ngokuzumayo badinga ethile imali, ubengayikuvuma ukuba ukuya esikhungweni sezimali, ukuchitha isikhathi esiyigugu silindele. Angaba nje ukuhamba kuze kube-ATM futhi uthole imali. Yiziphi enenzuzo kakhulu okuthenga ngesikweletu 2012? Kungakhathaliseki ukuthi abaphikisi bangamalungu kulula kakhulu ukuyisebenzisa? Enganikeza elihle kunawo ngekhadi lokuthatha ngesikweletu? Lesi sihloko sichaza isiphakamiso lamabhange ethandwa kakhulu.

Evumayo credit cards. Aziyona amakhasimende inzuzo?

Ngenxa ezingeni eliphezulu mncintiswano, izikhungo eziningi zezimali bephoqeleka ukuba banikele amakhasimende abaqotho xaxa izimo ngokunginika sokubolekwayo. Wena ukugembula ikhadi lesikweletu. Bangakwazi ukukhonza njengomdala hhayi kuphela umthombo izimali. Credit card, ungakwazi ukukhokha ngokuphepha sokuthola izinto noma izinkonzo ezitolo, nge ukugcina ohambelana.

Ukunikeza Savings Bank

Lesi sikhungo sinikeza amakhadi esikweletu, inani lenzalo ukuthi imayelana 24% ngonyaka. Inani lemali elinganisiwe engabekwa olunikezwa ikhasimende - ayizinkulungwane ezingamakhulu amabili. Isici emnandi wukuthi khona "Isikhathi samahhala". Lona inani lezinsuku phakathi nalapho ukusetshenziswa kwezimali non-inzalo. Wayengumuntu izinsuku 50 (ikhalenda). Yenza kwaqedwa lesikweletu ngezindlela eziningana. Eyokuqala - ukudluliswa lemali ku-akhawunti debit. Lokhu kungenziwa yilo esibulalayo, ibhange Internet noma umakhalekhukhwini. Eyesibili inketho - ukwethulwa imali kule ukugcina noma i-ATM yakhelwe ngezinjongo idatha. Indlela yesithathu - iyona ukudluliselwa imali kusuka ku-akhawunti kwenye isikhungo yasebhange.

Nika Bank of Moscow

Ukuze siphendule lo mbuzo lapho ukunikeza enenzuzo kakhulu amakhadi esikweletu, cabangela omunye isikhungo sezezimali. I Bank of eMoscow inikeza izinketho okufanayo namakhadi okuthenga ngesikweletu, kodwa omunye umehluko. Siqukethe ukunikeza loan e ezihlukene zemali (ruble, amadola noma euro). Lokhu mkhiqizo yasebhange has a senzalo ephakeme, okuyinto 26%. Nokho, inani lemali - amathathu namashumi ayisihlanu nezinkulungwane. "Kwenzalo ephasishi" futhi zingakapheli izinsuku ezingamashumi ayisihlanu. The kungenzeka isikweletu ukubuyiswa kwemali zifana.

Ukunikeza VTB24

Lesi sikhungo linikeza lo mkhiqizo yasebhange "izimo zami» Master Card. Isikhathi somusa kulokhu kufana izinguqulo ezimbili eyedlule, inani lenzalo 25%. Ngaphezu Kulezi zindlela ezingenhla, ubuyise ibhalansi kunesinye: kungenzeka imbuyiselo ngenethiwekhi ezinikezele CONTACT. Ukuze ukuhlola lapho inani elihle kunawo sipho amakhadi esikweletu, kubalulekile ukuphawula ukuthi VTB24 ibuyisela 5% of the ukuthenga eyenziwe ngosizo umkhiqizo umbuzo, kuhlanganise nalabo abenziwe nge-Internet.

Isiphakamiso Alfa Bank

Lo mnikelo libhekene okulinganiselwe (ruble kuze kube 90,000). Nokho, ubukhulu inani lenzalo yonyaka uyahluka 19-29%. A ikhadi lesikweletu kungenziwa ikhishwe kokubili ruble kanye dollar. Abanikazi umkhiqizo litholakale ukwabelana, kanye zonke izinhlobo uhlelo oluhlangene.

Kuyaphawuleka ukuthi ukuze uphendule lo mbuzo lapho ukunikeza enenzuzo kakhulu amakhadi esikweletu, kubalulekile ukuba acabangele izici ezahlukene. Ngokwesibonelo, abanye ejensi bagxile amaklayenti ethize. Ngokwesibonelo, labo ukuchitha isikhathi esiningi endiza.