Yikuphi yasebhange oholela kangcono ukuvula idiphozi: zenzalo, izimo

Lapho umuntu iye efunde ethile imali, ucabanga ukuthi kuzosebenza kangcono ukuba abagcine bekude ekhaya. Futhi efika engqondweni umbono ukuvula idiphozi, ngakho ngisho ne isithakazelo. Khona-ke imali kuyoba, njengoba besho, umsebenzi zomnikazi. Umqondo akukubi, kodwa kuqala kumelwe sinqume ngebhange. Nokho, kuwufanele ukutshela kafushane kithi mayelana namasevisi ethandwa kakhulu esikhathini izikhungo zezimali Russian.

ebhange yokulondoloza

Abantu abaningi unquma ukuvula idiphozi enhlanganweni enokwethenjelwa kakhulu futhi kungase kutholakale. Noma kunjalo, ezifana ubhekwa Sberbank. Kukhona amakhasimende eziningana ezingase zibe alindele amadili amahle. Ungakwazi ukuhlela i umnikelo weminyaka, enesihloko esithi "into eyigugu kakhulu." It is wavula izinsuku 175. Ukukala --8% ngonyaka. Njengesipho iklayenti uhlelo umshwalense.

Namanje kukhona okomnikelo "kulondoloza". Kungaba ukuvulwa ukuze okungenani inyanga kuya kwayi engu-3. inani lenzalo yonyaka - ukuze 6,49%.

Usese iminikelo "Ashona", "Drayivu", "Ukuphila", "Multi", "International" futhi "Ukulondoloza". Yilokho mayelana zokugcina kuwufanele ukuxoxa kabanzi, njengoba ithandwa kakhulu njengenhlangano nanini, ngisho yafakwa ukususwa angenamkhawulo yisiphi isamba esincane. Izinga zingahluka kusuka 1.5 kuya 2.3%.

Ake sithi umuntu iye yanquma ukuvula umnikelo ngonyaka kuya Savings Bank futhi ngesikhathi esisodwa wagqoka ngu sesigidi sama-ruble. Nyanga zonke liyanezela ngaphezulu 20 yayo 000. Ngenxa yalokho, ngoba ngawo kanye unyaka uye zanqwabelana ruble 1.262.200, zazo 22 209 - umholo ophelele. Nokho, ne okufanayo "Ashona" izozuza ngaphezulu. Ngemva izinga - 6%. Futhi okufanayo izimo engenayo siyoba ruble 66 800.

VTB-24

Abantu abaningi ukunquma ukuvula idiphozi ebhange. Ukunikezwa futhi eyanele. Kodwa the best "Good" ngesilinganiso esiphezulu 8,55%. Nge sandla sokuqala 1 000 000 imali kuyoba kancane esingaphansi 80 000. By the way, inzalo yezimanga ukushiywa akhawunti idiphozi noma ukudlulisa ekhadini. Lena yindlela iklayenti ufuna. Okuningi VTB-24 kuhle lokho kunikeza isandiso ngokuzenzekelayo idiphozi futhi izimo ezivuna ekunqanyulweni ekuseni.

Kodwa "Good" kubi ngoba izindleko ayikwazi agcwaliswa. Ngakho-ke, kulula ngabantu abahola eningi, abangakwazi ukuvula idiphozi isizumbulu. Kodwa "Induduzo" futhi "Ukulondoloza" - amazinga kabusha. Uma umbiko wenyanga we-ruble ayizigidi 20, ekupheleni inzuzo ruble 62 kuya kwezingu-78, ngokulandelana.

"Rosselkhozbank"

Lena enye inhlangano yezimali ethandwa. Abaningi ukunquma ukuvula ezifakwa in ruble lapha. Omunye iziphakamiso ethandwa kakhulu - ". Classic" emisiwe Inani eliphansi sibambiso ruble 3000. Wayengahlezi agcwaliswa, kodwa izinga obuyisilinganiselo 8,55%. By the way, ungavula idiphozi isikhathi lezinsuku kusukela 31 kuya 1460. Uma idiphozi isikhathi esiphezulu futhi wenze isamba ruble yisigidi, inzuzo Imininingwane kuyoba kancane esingaphansi 335 000 k. Kodwa kungenxa abaningi isikhathi eside kakhulu. Nokho, ngisho noma idiphozi izinsuku 395 ka, ngenxa inzuzo kuyoba 86 000.

tariff ezidumile "ihlosi lase-Amur" ngesilinganiso esiphezulu of afinyelela ku 8.1%. Kunezinhlobo ezintathu imigomo - 395, 540 kanye 730 izinsuku. Inani eliphansi - ruble angu-50 000. Isithakazelo ikhokhelwa nyanga zonke futhi ekupheleni kwesikhathi ziyakhokheliswa ku ikhadi lemali ikhishelwa iklayenti ngemuva kokwenza umnikelo. Kungenzeka ukukhokhela izindlu kanye Tinsita amasevisi, ukuxhumana mobile, sithenga ezitolo inthanethi. Futhi abantu abaningi, okwenza ukusebenza kwekhadi, kusiza ukuvikela esiyingqayizivele Amur amahlosi. Ingxenye ukuqhutshwa engenayo "Rosselkhozbank" nohlu ku neCentre for the cwaningo kanye nokongiwa lezi zilwane ezingavamile.

-OTP

Kumele ukunakwa kanye nenhlangano kuqashelwe, labekhuluma ngalo ebhange ukuvula umnikelo inzuzo ukuze wonke. OTP has iziphakamiso ezimbalwa. "Ubuningi" tariff sipho ngesilinganiso 8.3% esingashintshi kuze kufinyelelwe esikhathini 3, 6, 9 no-12 izinyanga. Inani obuncane ruble 30 000, umthamo wemvula nokususwa akunakwenzeka. Y yokugibela "Ukuthola" Amaphesenti angu-7.6%, le "Pension" - 7.4%, kanti "Nezimo" - 6.7%. Isekhona akhawunti yokonga nge rate of 6.5%.

Nokho, kungenzeka ukunikeza isibonelo bezikhali uzuza ukusebenza. Uma umuntu usise ruble yisigidi njalo ngenyanga futhi agcwaliswa ngu 20 000, ngonyaka ka-ku "Ukuthola" yena bazohlangana 73 200 k. Lona inzuzo okumsulwa. Endabeni "Pension" bekungaba angaba ngu-83 000. Futhi "nezimo" Izinga ekupheleni kwesikhathi ngeke ukulanda ruble 74.000. "Ubuningi" kufanelekile abantu yemikhiqizo, njengoba umthamo wemvula ecaleni lakhe kungukuthi enikeziwe.

"Gazprombank"

Ingxenye ethile abaseRussia ukunquma ukuvula idiphozi ngesikhathi Okuthakazelisayo enhlanganweni. "Gazprombank" has iziphakamiso ezinhlanu. bona zonke ezihlobene idiphozi eziyisisekelo. Okokuqala samuntu - "Ethile" ngesilinganiso esiphezulu 8.2%. Igama elithi kungaba isukela ezinyangeni ezintathu ziye eminyakeni 3. Replenishment singanikezwanga.

Namanje kukhona "Ukulondoloza". Ibhidi kufana esingaphansi 8%, kodwa kungenzeka ukuba ubuyise i-akhawunti njengoba kwaba njalo endabeni ka-i- "ashukumisayo" isilinganiso, izinga eliphelele zazo - 7.9%, kodwa ukuhoxiswa namanje ngokwengxenye etholakalayo. Kukhona ngesilinganiso "rentier" (6.7%).

Inketho ethandwa kakhulu - "Ukulondoloza". Izimali izigidi, ngeke ukulanda mayelana 74 000 ekupheleni konyaka. Kodwa uma usebenzisa izinga 'akathembisi izinto ", idiphozi iminyaka emithathu, uyogcina bakwazi uthole iphesenti oda 210,000.

Alfa-Bank

Ekugcineni ake sithi amazwi ambalwa nje inhlangano. Othile enquma ukuvula idiphozi ku Savings Bank, omunye umxhwele kakhulu ngohlelo "Alpha".

Isiphakamiso wokuqala - lokhu tariff "A +". Izinga kwaba 7.3%. Izimali izigidi ekupheleni konyaka bayothola mayelana 75 000. Izinga efanayo ibizwa ngokuthi "Wokunqoba". Kuphela kuleli cala, isilinganiso singamaphesenti 7,87%, kanti inzuzo Imininingwane ngokulandelana - ruble angaba yizinkulungwane 79. Umnikelo, ngasendleleni, angavulwa isikhathi phakathi izinyanga ezintathu nezinsuku ezingu-750.

Futhi, kukhona ngesilinganiso "Life Line". IBhange ngeke uthumele ingxenye ukuqhutshwa amakhasimende imali e isisekelo eponymous, esiyingxenye isiko social usizo kwabaswele kanye lwezezimali ezinganeni abanezifo ezimbi kakhulu. Ngaphezu okungenhla, amakhasimende ahlinzekwa iminikelo "zinamathuba amahle", "premium" futhi "uNdunankulu".

Ngokuvamile, njengoba ungabona, zonke amabhange abe izimo kuqhathaniswa evumayo. Inzuzo indoda, noma kunjalo uzothola, nokuthi uyoba mkhulu - incike inani iqhaza layo kanye tariff ekhethiwe. Ngaphambi kokuya kwelinye direction noma kwenye inhlangano yezimali bazane kangcono ngayo yonke le misebenzi ethandwa futhi uthole kungenzeka isithakazelo imali.