"Plus Bank": Izibuyekezo imali yemoto. Isilinganiselwa amabhange

Isenzo amasevisi ebhenki emakethe njengoba isikhungo jikelele, ukuhlinzeka amakhasimende ayo nge uhla egcwele izixazululo ezahlukene, namabhange ezikhethekile kakhulu, okuyinto usebenza niche ethile. Lokhu akusho ukuthi unganikezi kwamanye amasevisi - nje ezindaweni ezithile zalezi zakhiwo kukhulile umsebenzi ngenxa ezibanzi ikhasimende base, intuthuko, isipiliyoni esiwusizo.

Vele eyodwa yalezi zikhungo uzobe okuxoxwe ngazo kulesi sihloko.

Sikhuluma le "Plus Bank" (eMoscow). Lokhu niqinile, okuyinto waziphatha ukuhlinzekwa kwemisebenzi ehlukahlukene yasebhange, ngokugxila ngesikhathi esifanayo emalini ebolekiwe imoto. Lokhu ngokucacile waqinisekisa-data izibalo uboniswe izilinganiso nokuhlolisisa ebhange. Konke lokhu, kanye mayelana nekhwalithi yesevisi, yamanani nezinketho ezihlinzekwa iklayenti lakho "Plus Bank"; amakheli nezinombolo zocingo amahhovisi main - uzokuthola kule athikili.

Lapho kulungiselelwa le impahla sisebenzisa kumpendulo yekhasimende, kanye ulwazi olujwayelekile mayelana nokuthi yini okuthathwa kulesi sakhiwo.

indaba

Siqala ngokwesiko ngolwazi zomlando mayelana nokuthi iyiphi ebhange futhi zivelaphi yayo. Lokhu kubalulekile uma kungekho sizathu ukuthi kule ingxenye yebhizinisi linendima zokuhlola ezingokomlando ezibalulekile, esidlule ibhange nedumela yayo, lapho zakhelwe bonke ubuhlobo esizayo. Phela, ukwethemba imali isikhungo sakho elinomlando ezingabazisayo ngeke eyodwa. Ngakho-ke, siyathola ukuthi kwakhiwa "Plus Bank". Ukuthembeka sizobe kuhlole kancane okwengeziwe, ngosizo idatha amafa kanye nokubuyekeza ngakho.

Bank Indaba iqala emuva ngo-1990, lapho ngesisekelo the Zhilsotsbank Soviet (noma kunalokho kuphela ehhovisi APC) kanye Commercial Bank wethulwa ngaphansi kwegama "Omsk". Igama lesikhungo lashintsha kabili. Njengoba umkhuba ubonisa, lena into evamile emakethe yasebhange. Ngo-2004, yena waba okuthiwa "Omsk-Bank". Iqhutshwe izinguquko okufanayo isakhiwo abanikazi inhlangano (lezi zinqubo manje). Kakade ngo-2010, uhulumeni wanquma ukungabe bandla igama lomuzi igama ebhange wawuqamba "Hlanganisa".

Ayikho imiklomelo ukuqagela ukuthi okuqala ahunyushwe ngokuthi "Plus Bank" Saint-Petersburg inhlokodolobha awazange "bomdabu" idolobha: igatsha lokuqala yasungulwa ngo Omsk. Ngemva isakhiwo isibe ephawulekayo futhi lanwetshwa ngokwendawo, kwanqunywa ukuba enze ehhovisi central enhloko-dolobha (ngakho manje kuleli kheli "Plus Bank": Moscow, Lime Lane, 7). Office, etholakala lapha, kubhekwa a ezinkulu kusukela 2014.

izilinganiso

Namuhla, lesi sikhungo eyilungu izilinganiso ezahlukene, njengoba ngeqholo kushiwo emakhasini alo iwebhusayithi. Kukhona ngisho sigaba ekhethekile lapho zonke izinhlu isikhundla kanye nemiklomelo, okuyinto iye yaklonyeliswa "Plus Bank". Isilinganiselwa, njengoba wazi, kungase futhi kube ezahlukene: qala ne ethandwa intanethi kokuhlaziywa "Banking". Lokhu uthi ibhange wathola ikota eyodwa kuphela amavoti omuhle, yingakho ku "abantu" ranking kungatholakala kuphela kwiligi kuqala.

Uma sikhuluma izinkomba ezifana izimpahla Imininingwane, ngokwaleli umbandela, ukusungulwa ivuliwe 158 endaweni th yonkana Russia (futhi 104th in Omsk) lesi sibalo 26 bhiliyoni. Kepha iholo net, eqoqwe 2015, "Plus Bank" (amagatsha okuyinto zitholakala 7 izifunda yeRussia) angazuza ruble abangaba yizigidi ezingu-111. Ngokusho ezinye nemingcele isikhungo kwenzeke kahle ukuthi amazinga e.

Ngokwesibonelo, ukuthatha okungenani ezenziwa abantu ngabanye ku "Plus Bank" imali. Ngokolwazi olusemthethweni, bathi azisizi ruble engaba yizigidi eziyizinkulungwane ezingu-19. Le ndawo 92-th eRussia kanye 62th e-Omsk, okuyinto sithuthukisa idumela ibhange emakethe. Umgodlagodla i-credit futhi eside - mayelana indawo 116-th eRussia ngesikhathi sibalo eziyizinkulungwane ezingu-20.

Ngakho, singaphetha ngokuthi kusungulwe useduze "Abangamakhulu" amabhange wokuqala Russian, okuyinto impendulo enhle kakhulu isikhungo lesifunda, ngalo bonke baqala.

amasevisi

iphothifoliyo Lesakhiwo yasebhange, ngokusho incazelo kusukela ezikhulwini zikahulumeni kuya ekhasini luvame "Car Loan". Ngaphandle lokukhokha kanye inkokhelo yokuqala, umthamo esiphezulu ruble ezingu 4.5, kuze iminyaka 7. (lokhu - izinkomba ezivamile, bona iyashiyana izinga lapho ikhasimende wakhonza). Ngaphezu kwalokho, "Plus Bank" (Petersburg) waziphatha ukuhlinzekwa kanye namanye amasevisi. Kahle kahle, lokhu kuhlanganisa yakudala amabhange abolekise ezindlu kanye umthengi ukubolekisa, imali kanye nezinsizakalo ibhizinisi. Funda okwengeziwe ngabo sizoxoxa ngokwengeziwe.

Icacisa ukuthi inkonzo yasebhange kusekelwe ukwehlukana ngesimo esingokomthetho iklayenti. Ngakho, kukhona amasevisi ngabanye nezinhlangano ezingokomthetho.

amakhasimende yangasese

Asiqale nge omkhulu (siqala ngaphansi inzuzo ebhange) ongakhetha wemboni atholakale abantu abavamile. Lezi ngokuvamile zihlanganisa abolekise kanye idiphozi ethatha. Ngokuvamile, yebo, siye sahlangana ukuchaza "Plus Bank" nokubuyekezwa loan imoto. Lokhu kungenxa yokuthi, njengoba sibonile ngaphambili, lokhu ingenye amasevisi eziphambili kakhulu iphothifoliyo yebhange.

Ngaphezu kwalezi, isayithi has ulwazi mayelana kwamanye amasevisi, ezifana nokulondolozwa ibhokisi nebhange ukuphepha idiphozi amabhokisi ukwamukelwa kwenkokhelo, lwemali ukuthengiselana kanye remittances. Lokhu singasho sithi Ukukhishwa amakhadi asebhange, senzelwe izinkokhelo izitolo, amabhonasi kanye nokunye okufana nalokho.

Manje ukuchaza izigaba kabanzi ngenhla.

car Loan

Izinga eliyisisekelo ihlangano ukwenza ukubolekisa ukuthenga izimoto. Lo mbukiso efakiwe ekhasini "Plus Bank" libuyekeza ku loan imoto. Shono lapha uchaza nemingcele okumelwe bahlangabezane nazo iklayenti. Uma esifushane, yonke izinhlelo loan ezimbili - i "AvtoPolyus Hull" futhi "Umthengisi +". Ziyahlukahluka bodwa ngenxa yokuthi ukhetho lwesibili lona lwenzelwe labo ukuthengwa imoto ngesikhathi elidayisa. Umehluko futhi khona ngokuya sokubolekwayo. Ikakhulukazi, lolu hlelo isikhathi sokuqala - kusukela eminyakeni 1 kuya ku-7, kodwa yesibili - ukuze 5. Ngaphezu kwalokho, futhi luyehluka lemali ezivunyelwe (kufika ku-3.5 million esimweni sokuqala futhi 4.5 - yesibili). Kwi-website ye ibhange waphawula ukuthi imali sokuqala uma wenza loan ayidingekile. Ngaphezu kwalokho, umklamo sikebhe akuvumelekile ku isicelo, futhi isinqumo yokuthi ngabe loan okuzokhishwa, luzakwenziwa ngaphakathi ihora ngemva isicelo emnyangweni "Plus Bank". Izibuyekezo ukubolekisa auto kusuka amaklayenti, sizobe ukwethula ukunakwa kwakho ngemva kwesikhashana.

mortgage

Uhlobo lwesibili wesikweletu, okuyinto waziphatha "Bank Plus" - loan ukuthenga izindlu. Lapha, ngokolwazi kwisayithi, wanikeza imali esikhathini eside emuva (kuze iminyaka 30), futhi kucatshangwa semali (ama-ruble ayizigidi ezingu-300). Bala inani oluthile imali, ungasebenzisa wokubala, emelelwe kusayithi - lapha kufanele kubhekwe okuningi Ngemininingwane lemali, elithi, isithakazelo, usayizi nokunye. Kubhekwe le, uhlelo inikeza izinga elilungile kakhulu ezimweni ezahlukahlukene ethize.

Sebenzisa manje ubone ukuthi ungathola mortgage, kungenzeka nge ifomu inthanethi kwi-website ye ebhange.

ezifakwa

Njengoba abanye, "Plus Bank" amukela ezifakwa ngentshisekelo izinkokhelo kanye ukunqwabelana izinhlangano ngokomzimba futhi esemthethweni. I ukubheja esiphezulu lapho sisebenzelana amaklayenti ezizimele safinyelela 11.5%. Sekukonke, isheduli tariff inikezwa 6 izinhlelo ukuthi enze kube nokwenzeka ukuba ukutshala zezimali ezahlukene (Ruble noma dollar / euro).

izinkampani for imali kule yasebhange zihlanganisa kungenzeka kokuthola kuze kufinyelele 14% ngonyaka kuye ngokuthi lemali imali. Ukuze ufunde kabanzi mayelana lokhu kungenzeka kuphela ngokusebenzisa inkhulumomphendvulwano ngabeluleki, kusukela yonke idatha kukhona ngabanye.

izinkampani

Uma imikhiqizo esiyinhloko "privateers" - kungcono ukubolekisa kanye imali, izinhlangano ezingokomthetho ezisetshenziswa yilezi ezinye izinketho. Isibonelo, kungaba ukuqala nokuphathwa kwezimali amasevisi ibhizinisi, ukuhweba ngezimali, ukuqoqwa kwezimali. Konke lokhu ngokuvamile sisetshenziswa izinqubo zebhizinisi, kumakhasimende ezinkampani kangaka "Bank Plus" - kuyinto amabhizinisi ikakhulu amancane naphakathi. Lapha, "Inkampani" ingxenye, ungabona ulwazi ukusebenzisana nezinye izikhungo yasebhange.

amahhovisi

Njengoba sekuphawuliwe, "Plus Bank" Amahhovisi usebenze 7 izindawo (eMoscow, Omsk, Petersburg, Ekaterinburg, Tyumen futhi Ryazan). Imininingwane kawonkewonke inombolo yocingo, elitholakala zonke izifunda: 8 (800) 200-23-72. Lapha ungabiza ngasiphi isikhathi sosuku, izingcingo mahhala. Kungenjalo, ungaxhumana igatsha lasebhange. E-Moscow, igatsha main ivuliwe calcareous Lane 7, 8 (495) 989-42-99. Amahora abantu ngabanye - kusuka 9 kuya ku-21 nsuku zonke, amabhizinisi - kusukela ngoMsombuluko kuya kuLwesihlanu kusukela 9 kuya ku 18.

Cacisa imininingwane ngokuphathelene ehhovisi endaweni yakho kungaba kwi website esemthethweni kuleli "umnyango" sigaba.

"Plus Bank": Izibuyekezo imali imoto

Ukuze ukwazi ukuthi kwamakhasimende, oda le sevisi, qinisekisa ukubheka namaklayenti amazwana yebhange. Saqoqa Imininingwane ukwethula kulesi sihloko. Ngakho-ke, ukuze kube lula, uyofunda lo kwesigaba kwanele.

Ake uqale nge yokuthi kukhona ngempela imibono ehlukene ukuthi kokubili emihle nemibi. Konke kuncike kanjani isivakashi yatholwa ukuthi imnike egcwele ulwazi usekelo isimo sabo, ukuthi nguwe ngempela izimo ezifanayo ukuthi zanikezwa ekuqaleni.

Endabeni ukubolekisa imoto, amakhasimende kakhulu ziyaneliswa ngempela nge. Banikwa loan ukuthenga imoto ukuthi ukwanelisa izidingo zabo ngokugcwele futhi, ngakho-ke, okwaholela ukulotshwa imibono emihle mayelana isikhungo. Nokho, angeke ibe Izibuyekezo laudatory.

Kunezindlela eziningana izici ezingezinhle isevisi amakhasimende abafisa ukuhlela loan imoto. Ikakhulukazi, abantu baye baphawula ukuthi baye uqambe okungalungile lenzalo (empeleni kwenzakala futhi iyophakama kuno-namazwi umphathi); noma ukuthi isamba semalimboleko ngokuzenzakalelayo kukhuphuke ngo isinyathelo we umsebenzi ebhange. Yiqiniso, lezi zinto kuzwakale kuxakile kakhulu futhi kungukuphula ecacile yokuziphatha ezinkampani ngokuvamile abonisa nokusebenzisa kabi igunya abasebenzi ebhange. Nokho, uma la maqiniso bekuyiqiniso, abengaba yiqiniso kulabo lababukene nekwetfulwa cishe zaziyobulawa ngakuyo bakhokhile. Phela, ibhange wonke amarekhodi, kuhlanganise isiqophi futhi audiofiksatsiya izingxoxo namakhasimende abasebenzi. Fakazela komgomo ezinjalo akunzima.

Ngakho-ke, kusobala, ngalezizinto zazingasekelwe neze waqinisekisa ababekubikezela noma ababekubhala ukunyundela okumsulwa. Ngokuvamile, iningi amazwana izikhalazo ikhasimende, ehhovisi main ngokushesha anikeze imibono nezimpendulo zabo.

Uphenyo Bank

Ngokuphathelene idumela isikhungo "Plus Bank" ngokuvamile, kuba ezihlukahlukene, kuye ngokuthi umkhiqizo sebekulungele ukukhushulelwa emakethe. Ngokwesibonelo, loan imoto kukhona udumo umkhiqizo kanye elikhangayo yayo emehlweni ikhasimende. Amazwana mayelana nezimo credit nazo okuhle. Elinye iphuzu - okungukuthi, ngokwesibonelo, imali. Lapha izinto akuzona kamnandi kangaka, njengoba "Bank Plus" ngokuvamile kunesithembiso isitokwe yesikhashana. Ukuheha abantu ngamaphesenti loyo oguqukayo izinga esibangela yokucasukela amakhasimende. Ukuze sisebenze izinhlangano ezingokomthetho, idumela asebhange futhi at kokuwa.

okutholakele

Ngakho, ekugcineni, ngifuna uqaphele ukuthi le nhlangano ochwepheshe ukuthi ngempumelelo nokulikhuthaza emakethe engaphezu kwengu-25 ukusebenza. Lona best "amazwana" emsebenzini wonke isakhiwo. Ngakho-ke, ukuthola imigomo nobambiswano ukuthi ndaba, awuthandayo futhi ukhululeke ukuya "Plus Bank".