"TCB": izibuyekezo zamakhasimende, incazelo, amasevisi, izimali kanye loans

Kulesi sihloko sizochaza lokho "TCB" uthola impendulo ukusuka izisebenzi zayo kanye amakhasimende. Lonke ulwazi okuwusizo mayelana inhlangano izokwethulwa ngezansi.

Phela, ngaphambi kokuba ubhalise komunye noma enye inkampani zezimali, kubalulekile ukwazi zonke izici zawo. Kungenzeka ukuthi endaweni ethile akukho okungcono "izingibe" ongaletha asemrarweni kumakhasimende.

incazelo

"TCB" - iyinkampani enkulu yezimali. It is yasakazwa kulo lonke izwe. It has amagatsha e emadolobheni ahlukene of Russia. Akusona ukukhwabanisa, njengoba ezinye izakhamuzi. Nokho, ethandwa kakhulu phakathi kwabantu akusho ukujabulela.

"TCB" uthola ezihlukahlukene ukubuyekezwa. Phakathi kwabo kukhona kokubili okuhle alilihle. Yini ebaluleke kakhulu ukulalelisisa ngokubambisana? Ingabe kukhona amaphuzu wazo ongabazisayo noma omubi mayelana nokuhlinzekwa kwemisebenzi? Yini ongayenza ukuze usize, "TCB"?

amasevisi

Miningi imisebenzi inkampani akanayo izici. He is indinganiso zonke izikhungo zezimali, lapho umsebenzi wakhe oyinhloko - amasevisi ebhenki. Ngakho, "TCB" linikeza amakhasimende ayo:

• amasevisi ebhenki Inthanethi;
• ukubolekisa;
• abatshelekayo;
• kuvulwa akhawunti kanye imali;
• Ama-oda imali;
• lwemali ukuthengiselana.

Lutho ekhethekile noma ethize. Futhi abanye abantu bajabule. Zonke sibonga yokuthi "TCB" - kuyinto ibhange ezivamile, nakuba ingenkulu kakhulu. Ngaphezu kwakho konke, amabhange inethiwekhi. Ungafaka isicelo lapha amasevisi standard olunikezwa izinhlangano zezimali.

Holdings

ukunakekelwa okukhethekile ukhangwa iminikelo. Lokho basuke abanesifiso abantu kaningi. Kubo, "TCB" Ufika elixutshwe ukubuyekezwa. Nakuba iningi atholakala ukubukwa ikakhulu omuhle.

Iminikelo evela izinhlangano eziningi. Ungakhetha lowo esifanele umuntu othize. Imibandela akuzona njalo evumayo, kodwa bangcono eziningi izimbangi zayo. Zenzalo besilinganiso kusuka 8 kuya ku-10%. Hhayi okuningi, kodwa uzinzile futhi ethembekile.

Kuze kube manje, uhlelo kwezilandelayo ungabahlukanisa phakathi iminikelo:

• . "Isikhathi Ukukhula Autumn" - 10% ngonyaka in ruble;
• "Pension" - 8.8% ngonyaka esikhathini esiyizinsuku ezingu-368 ka;
• "Iqhaza Ikusasa";
• "Isitifiketi Google" - 10,05% ngonyaka;
• "Universal";
• "Kuyadingeka kakhulu";
• "Universal Premium" - ukuze 8,55%.

Khetha ambalwa. Kodwa, njengoba amakhasimende athini, kubalulekile ukuze uthole olunye ulwazi oluthe xaxa ngokwenziwa iminikelo ukuya ngqo ehhovisi inhlangano. Kuzoba ukunikeza ulwazi olugcwele mayelana ngamunye izinhlelo etholakalayo futhi acacise nemibandela ngokubambisana neNhlangano ebhange.

mortgage

Abantu abaningi namuhla uthathe ukubolekisa: kokubili umthengi kanye mortgage. By endleleni, ngoba izinga lokuqala zingase zihluke, kuncike ohlelweni. Ngokwesibonelo, umhlalaphansi ungakwazi athathe isikweletu nge rate of 19% ngonyaka kanye namakhasimende ekhona ibhange - ngo-17%.

Mortgage abolekise eRussia usuthandwa kakhulu kakhulu. Ngakho, abaningi banesithakazelo kulokho uthola "TCB" nokubuyekezwa mortgage. Ukuthi ukuwuthatha lo mthwalo wemfanelo?

umbono Single lapha nalaphaya. Inhlangano ithola ezihlukahlukene impendulo ku-mortgage yabo. Abanye bathi "TCB" eyabasiza kalula ukuthenga indlu. Nokubambisana izikhungo zezimali musa zibangele noma iyiphi inkathazo - akukho njalo izikhumbuzo mayelana nezinkokhelo noma izikweletu, noma ngendlela engaqondakali kokuvela ubuhlongandlebe.

Ngaphezu kwalokho, abanye bakhononda ngokuthi "TCB" - akusiwona impela seqiniso isikhungo sezezimali. Ngesikhathi ukuphathwa kancane Nezikweletu libhekisela izihloko okuyinto wabhula fana ncane of izikweletu ngokuhlanganyela, futhi kuzo zonke izindlela. Overpayments ku mortgage wamaphepha omkhulu futhi oluzayo akubona bonke amandla kule imibhalo design.

Yini okumelwe ubakholelwe? Kunalokho, kungcono unamathele iphuzu hlangothi umbono. Kuyaphawuleka ukuthi "TCB" Izibuyekezo ikhasimende uhlamvu omuhle uthola ngokuyinhloko ngenxa nezindaba kanye loans, kanye mortgages ezimweni lapho nezinye izinhlangano zezimali abantu balahlekelwa.

Empeleni, ngo-umkhuba ukwenqaba loan noma indlu ku "TCB" - a rarity. Kodwa nabo kukhona. Kakhulukazi ngenxa isethi akuphelele kwemibhalo, noma ngenxa isivuno iklayenti ongaphakeme. Noma kunjalo, ibhange namanje uthola izikhalazo mayelana mortgage. Nse njengoba iningi izinkampani efanayo. Kodwa ngokuvamile, ngoba isiphelo sesimiso mortgage inkontileka "TCB" indlela.

Service kwamakhasimende

Kuthiwani kwamakhasimende? Enye into ebaluleke kakhulu. Uphenyo ibhange "TCB" kule ndawo futhi okuxubile - abanye wanelisekile isevisi, umuntu hhayi kakhulu.

Isikhalazo main naleyo eyashiwo izivakashi - Izisebenzi kancane futhi abanamusa, abakwazi ukunikeza izimpendulo eziqondile. On the abanamacala lapha ungathandi ukuxhumana, futhi ungase ubhekane nge nesihluku ezithile.

Kodwa kukhona imicabango yabantu emihle lapho abasebenzi "TCB" ukukhuluma umsebenzi njengoba ngokwethembeka futhi ngenxa kanembeza. Bazama esiphezulu ukuphendula imibuzo ikhasimende, wonke umuntu unake. Nakuba ijubane inkonzo namanje kushiya okuningi okufanele oyifunayo.

Kufanele kuqashelwe ukuthi njengoba ezimbi, lizwakalise ikheli lenkampani kanye okubuyayo kukhona kwamehlisa. Ngakho, kuba isiqiniseko ukuthatha nje ku-akhawunti ukuthi "TCB" inkonzo akuyona ngesivinini esikhulu kakhulu, ukuthi akuwona wonke abasebenzi bazokwazi ukuphendula imibuzo ethile njalo. Nokho, njenganoma iyiphi enye ebhange.

Usizo amaklayenti

Kaningi, "TCB" uhlobo omuhle nemibono etholakele usizo kumakhasimende at ukubhalisa imibhalo ehlukahlukene. Lena into ebaluleke kakhulu ukuthi umi wedwa ekukhonzeni izivakashi.

Ezinye ukugcizelela ukuthi nobunzima ekugcwaliseni isicelo kanye irisidi, ungacela abasebenzi yasebhange ikwenzele. Khona-ke nje kudingeka uhlole idatha futhi abeke isignesha yakhe kwi idokhumenti.

Njalo is izindaba ezinhle, ikakhulukazi uma kuziwa abantu asebekhulile noma ongenalwazi abakanye amabhange ngokuvamile babengenalo amacala ngaphambi. "TCB" ezama ukwenza konke izivakashi zayo. Futhi ukufanele ukudunyiswa.

Izikhalazo kanye nezixazululo zabo

Njengoba sekushiwo, "TCB" uthola ezihlukahlukene ukubuyekezwa. Abanye abantu bakhononda ukuthi uma ufaka imali-mboleko noma mortgage kubonakala sengathi ngabe sizinake ngaphezu ekuqaleni othenjisiwe. Ngenhlanhla, isimo esinjalo - a rarity. Ningesab zinkulu. Kungani? Qondisa ukuxazulula ngokushesha izinkinga futhi exolisa kumakhasimende ayo.

Kunconywa nje uhlolisise zonke imigomo yenkontileka, kanye ukucacisa noma iluphi ezicashile ukuze kube isiphelo sesimiso izivumelwano ezifanele, izisebenzi zasebhange. Khona-ke kuvela noma yiziphi izici ezingezinhle. Ikakhulukazi uma sikhuluma a bacabange ikhasimende Fide. Futhi abanamacala futhi defaulters ongathi kuze anyone fana ebhange ekahle.

ukubuyekeza ilayisensi

Esikhathini abezindaba, amahemuhemu okusongela inhlangano ebizwa ngokuthi yi "TCB" Ukuhoxiswa kwelayisensi. Yinganekwane Noma buyingozi? Asikho isidingo sokuba amesabe. Ayikho sokwesulwa ilayisensi ibhange akuyona futhi ngeke ube naso. Kunoma ikuphi, esikhathini esizayo esiseduze. izindaba ezinjalo - nenkohliso yangempela, okuyizinto kwamehlisa. Ikakhulukazi uma ucabangela iqiniso lokuthi bakhona ngokuyinhloko umsebenzi "TCB" kuhle futhi akudingeki kukhona izikhalazo sina.

abasebenzi

Kodwa Bank njengoba umqashi kahle kungase kutholakale. Ngeshwa, "TCB" abasebenzi ngamaholo Izibuyekezo akuzona okungcono. Isikhalazo main - amaholo aphansi, ukusebenza kanzima, nohide izivakashi kanye nesidingo ukuze uhlale isikhathi esengeziwe.

Nokho, ohlangothini oluhle we "TCB" kokubili umqashi kakhulu. Ziyakwazi:

• izimo zokusebenza ukhululekile;
• izinzuzo iphakethe ngokugcwele;
• Amaholo esitebeleni;
• "White" iholo;
• zokuthuthukisa umsebenzi;
• self-ukuthuthukiswa;
• izimo ezikahle amasevisi asebhange.

okutholakele

Njengoba singabona kusukela ngenhla, kube uthola lo "TCB" imvelo olungafani ukubuyekezwa. Ngokuvamile lena yasebhange okuhle, inikeza amasevisi standard. Izimangalo Yaveza ngokumelene isikhungo sezezimali, njengesibonisi umthetho.

Njengoba umqashi, kubuye kube nabantu abahle. Nokho, nge yokuntula zayo. Ungasebenzisa ngokuphepha lapha, futhi umsebenzi, futhi ukuze athole izinkonzo ezithile. Kuphela it is hhayi Kunconywa ukuba asebenze isamba esikhulu. Phela, nokuvalwa okungenzeka ebhange (futhi kusukela kule akekho iphephile) ukuze ibuyisele le mali kuzoba nzima.