Khadi la ngongole yopindulitsa kwambiri ndi nyengo yachisomo. Zambiri za makadi a ngongole ndi nthawi yachisomo

Pakufika mavuto a zachuma, mabanki anayamba kuyambitsa zinthu zatsopano zachuma kuti akope makasitomala ambiri. Makhadi apulasitiki anali kwenikweni kwenikweni. Koma mzere wa mzere wa ngongole sizodabwitsa. Osati aliyense adzafuna kubwereketsa chidwi pogwiritsa ntchito ndalama za banki. Khadi la ngongole yopindula kwambiri ndi nyengo ya chisomo - ndi zomwe makasitomala amakono amafuna. Makhalidwe abwino kwambiri kwa anthu adzalongosoledwa pansipa.

Kodi nyengo ya chisomo ndi chiyani?

Makhadi a ngongole lero amapereka kupereka mabungwe ambiri azachuma kwaulere. Pa nthawi yomweyi, ena amapereka mwayi wogwiritsa ntchito ndalama za banki mwachidwi. Izi zikutanthauza kuti, mkati mwa nthawi inayake mungatenge ndalama pa khadi ndipo nthawi imodzi musagwedezepo kalikonse. Nthawi yachisomo ndi masiku 30-60. Komabe, mabanki ena amapitirira ndipo amapereka makasitomala awo kuti azigwiritsa ntchito ndalama popanda kulipiritsa kwa masiku 180-200.

Kodi ndi zopindulitsa kukhala ndi khadi lokhala ndi chisomo? Zogulitsa zoterezi n'zosavuta kuzigwiritsa ntchito. Koma angatchedwe kuti ndi opindulitsa pazochitika zingapo. Chowonadi ndi chakuti ambiri makasitomala, pokhala akuyesedwa chifukwa cha chisomo, pitirizani kugwiritsa ntchito ngongole pambuyo pa kutha kwa nthawi "yopanda chiwongoladzanja". Pa nthawi imodzimodziyo, muyenera kulipira ntchito yaikulu yokhala ndi ngongole.

Kodi ndiyenera kutenga khadi la ngongole? Chigamulochi chikhoza kupangidwa ndi wothandizira. Ndipo muyenera kuyamba kawerengedwe ka makadi a ngongole ndi nthawi yachisomo.

Sberbank wa ku Russia

Bungwe la zachuma limakhala ndi chidaliro chachikulu kuchokera kwa nzika. Banki imaperekanso khadi la ngongole ndi nthawi ya chisomo. Kuchotsa ngongole kumachitika opanda chidwi pa ATM iliyonse. Ngakhale kuti nthawi yapadera imaperekedwa osati yaikulu kwambiri (masiku 45 okha), nthawi zonse pali anthu ambiri amene akufuna kupereka ndalama. Izi zikuwonetsedwa ndi ndemanga zambiri. Zimakhudza makamaka kuchuluka kwa malire a ngongole. Malingana ndi zomwe amapeza, makasitomala amatha kufika pa ruble zikwi 600 pa khadi.

Kumapeto kwa nyengo ya chisomo yogwiritsira ntchito ndalama za ngongole, makasitomala a banki adzayenera kulipira ntchito pamtunda wa 25.9% pachaka. Kulipilira malipiro kumawerengedwa molingana ndi kuchuluka kwa ndalama zomwe zimachokera ku khadi pa tsiku lomaliza la bizinesi la mweziwo.

Avangard

Banki iyi ndi yokongola kwambiri, ngati tiganizira nyengo ya chisomo. Aliyense ali ndi mwayi wopereka akaunti ndi kulandira khadi kuchokera kumodzi mwa kayendedwe ka ma msonkho apadziko lonse. Kwa nthawi yaitali, mungagwiritse ntchito ndalama za banki mwachilungamo. Makhadi a ngongole omwe ali ndi chisomo kwa masiku 200 ndi mwayi wapadera wogula chilichonse popanda kuyembekezera malipiro. Mukhoza kugwiritsa ntchito ndalama m'masitolo, mabungwe oyendayenda, maofesi osangalatsa, ndi zina zotero. M'nkhaniyi, sikofunikira kuti mubwerere ndalama zonse mutengere khadi mkati mwa mwezi. Malipiro ochepa ndi 10% a ngongole.

Kodi mungabwezere bwanji ndalama pambuyo pa chisomo. Malipiro osachepera samasintha. Adzakhala pamtunda wa 10%. Komabe, kuwonjezera apo, uyenera kulipira ntchito. Bank Avangard amapereka kupereka khadi la ngongole ndi mlingo wa 24% pa chaka.

VTB Bank

Makhadi apulasitiki angapo amapereka kupereka VTB Bank. Kusiyanitsa kudzakhala mu mzere wa ngongole woperekedwa (kuyambira 300 mpaka 900,000 rubles). Phindu lenileni lingakhale khadi la ngongole. Nthawi ya chisomo ya masiku makumi asanu ndi limodzi imapereka mwayi wogula phindu la bungwe la zachuma ndipo nthawi yomweyo musagwedeze kalikonse. Kumapeto kwa nthawi yokhalitsa, mlingo wa makasitomala atsopano a banki adzakhala 28%. Amene akhala akugwirizanitsa ndi bungwe la zachuma amaperekedwa mowonjezereka. Kumapeto kwa nyengo yachisomo, mudzayenera kulipira 22% pa chaka.

Kuchokera ku khadi la ngongole ya VTB Bank ndithudi ndi yabwino. Aliyense kasitomala angathe kumasuka ku akaunti yake mpaka makhadi asanu, omwe ali oyenera kugwiritsa ntchito banja. Kuonjezera apo, bungwe la zachuma limakhala ndi intaneti pa Intaneti. Kuti muwone kayendetsedwe ka akauntiyi, simukusowa kulankhulana ndi banki. Zonse zomwe muyenera kuchita ndi kupita ku ofesi yanu pa intaneti.

Alfa Bank

Ndalamayi imaperekanso khadi la ngongole yopindulitsa kwambiri. Nthawi yachisomo ndi masiku 100. Maganizo atamaliza: mlingo ndi 18.99% pachaka. Wotsatsa aliyense angathe kulandira mzere wa ngongole kufika pa ruble 300,000 ndikugwiritsa ntchito ndalama pazinthu zilizonse. Ndalama yomwe imapezeka pa khadi poyamba imadalira ndalama za wogula.

Kuwonjezera apo, khadi la "Alfa Bank" ikhoza kubwereranso kwaulere muzinthu zamalonda zilizonse. Komanso mukhoza kuchotsa ngongole ya ndalama ku ATM iliyonse. Mosiyana ndi zomwe zinaperekedwa ndi VTB Bank, khadi la ngongole la Alfa Bank ndi khadi la debit. Izi zikutanthauza kuti, wofuna chithandizo sangathe kutenga ndalama zongoyendetsera ndalama, koma amaika payekha. Pachifukwa ichi, chiwerengero cha ndalama zabwino chidzawerengedwa.

Ndemanga zabwino zingamveketsedwe pomagwiritsa ntchito "Alpha Mobile". Iyi ndi pulogalamu ya mafoni ndi mapiritsi, omwe mungathe kuyendetsa kayendetsedwe ka akauntiyo, kutengeramo ndalama kuchokera pa khadi, kubweretsani akaunti ya makompyuta, ndi zina zotero.

Promsvyazbank

Khadi la ngongole yokhala ndi chisomo masiku 145 ndi lopindulitsa komanso losavuta. Ichi ndi mankhwala Promsvyazbank amapereka. Dzina lake ndi "Super Card". Pakutha miyezi inayi mungagwiritse ntchito mzere wa ngongole popanda malipiro. Ndiye nkofunika kulipira kuchuluka kwa ngongole pamlingo waukulu - 34.5% pachaka. Pamodzi ndi izi, banki imapereka mzere wokwanira wa ngongole. Malinga ndi ndalama zomwe aliyense amalandira angathe kulandira ndalama zokwana 600,000 pa akaunti ya ngongole.

"Supercarta" yochokera ku "Promsvyazbank" imathandiza kupulumutsa. Amalonda omwe apereka mankhwalawo amalowa nawo pulogalamu ya bonasi ndipo amatha kugula pa mtengo wotsika m'masitolo omwe ali ogwirizana ndi bungwe la zachuma. Kugwiritsa ntchito khadi kudzakhala kopindulitsa kwambiri ngati mubwereranso ndalama ku akaunti yanu nthawi ya chisomo. Komabe, masiku 145 pambuyo pa kuchotsedwa kwa ndalama, zopindulitsa, mwatsoka, mlingo sangathe kutchulidwa.

Pempho la ofuna chithandizo, khadi linalake lingaperekedwe ku akaunti kwathunthu kwaulere yogwiritsidwa ntchito ndi anthu oyandikana nawo.

Rosbank

Ndalama imeneyi imaperekanso mzere wa ngongole. Nzika yanyengo yonse ya Russia yomwe ili ndi malo ogwira ntchito nthawi zonse ikhoza kukhala wothandizira. Khadi la ngongole yopindulitsa kwambiri ndi nyengo yachisomo, mankhwalawa sangathe kutchulidwa. Komabe, Rosbank amapereka mzere waukulu kwambiri wa ngongole. Wotsatsa aliyense ali ndi mwayi wokwera ku ruble 1 miliyoni ku akaunti yake. Potero mkati mwa masiku 62 kudzakhala kotheka kugwiritsa ntchito ndalama mwangwiro kwaulere. M'tsogolo, mlingo wa mgwirizano udzakhala 23% pachaka.

Khadi loperekedwa limatanthauza dongosolo la "Visa" yapadziko lonse. Choncho, n'zotheka kuchotsa ndalama kuchokera ku ATM kuzungulira dziko lonse lapansi, kulipira katundu wogula pa maiko akunja. Rosbank imaperekanso chithandizo cha makasitomala 24. Ngati khadi linatayika kapena kuba, ikhoza kutsekedwa maminiti, poyitana nambala ya hotline.

Uralsib Bank

Bungwe la zachuma silinapereke khadi la ngongole yopindulitsa kwambiri ndi nyengo yachisomo, koma zidzakondweretsanso ambiri. Malire amatha kufika ma ruble 500,000. Pazinthu zokhulupirika, ndalama za ngongole zingagwiritsidwe ntchito masiku 60. Kumapeto kwa nthawiyi, kasitomala adzayenera kulipira ntchito pamtunda wa 24% pachaka. Chiwongoladzanja chikuwonjezeka pa ndalama zomwe zimachotsedwa pa khadi pa tsiku lokhazikika (tsiku lomaliza la bizinesi la mweziwu).

Mabanki amayambitsa makadi a msonkho wa "Mastercard", omwe ali ndi chipangizo. Izi zikutanthauza kuti malo okwanira ngongole nthawi zonse amakhala otetezedwa. Pali chitsimikizo chakuti ndalama sizingabedwe ndichinyengo. Ngati ndi kotheka, mukhoza kutseka akaunti nthawi iliyonse.

Yar-Bank

Mzere wa ngongole umaperekedwanso ndi Yar-Bank. Utumikiwu ndiufulu. Kodi mungagwiritse ntchito bwanji chisomo cha khadi la ngongole? Mwa mawu omvera, mukhoza kutenga zithunzi ndikuyika ndalamazo kwa masiku 55. Ndiye mlingo wa ngongole idzakhala 25.5% pachaka. Ndiponso, mzere wa ngongole ukhozanso kutsegulidwa kwa makasitomala omwe samatsimikizira ndalama zomwe ali nazo. Izi zikutanthauza kuti amalonda apadera komanso ogwira ntchito pawokha angagwiritse ntchito ntchito za banki.

Malingana ndi chitsimikizo cha ndalama, khadi la ngongole "Platinum" lingaperekedwe, mlingo umene pamapeto pa chisomo udzakhala 24% pa chaka. Kuti athetse mgwirizano, wothandizira ayenera kupereka pasipoti ya nzika ya Russia, komanso ndondomeko yodziwika.

Tinkoff

Bungwe la zachuma limapereka mankhwala opindulitsa ambiri kwa anthu pawokha. Khadi la ngongole likhoza kuperekanso. Nthawi yachisomo, kuchotsa ndalama mu ATM iliyonse, mabanki a intaneti abwino - zonsezi zimakopa makasitomala. Nthawi ya chisomo ndi masiku 55. M'tsogolomu, kasitomala ayenera kulipira ntchito za banki pamlingo wa 23.99% pachaka. Komanso, mungatchule mzere wokongola kwambiri wa ngongole - mpaka ma ruble 700,000.

Khadi la ngongole kuchokera ku banki "Tinkoff" ndi khadi la debit. Amene akukonzekera kusunga ndalama zawo mu akauntiyi, mukhoza kuwerengera ndalama pamlingo wa 7% pachaka. Kusuntha konse kwa akaunti kungayang'anidwe mu nthawi yeniyeni chifukwa cha ntchito yabwino yamapiritsi ndi mafoni a m'manja. Khadi la ngongole lingagwiritsidwe ntchito pa malipiro a intaneti, pofuna kugula m'nyumba zogulitsa komanso kunja. Deta imatetezedwa ndi chitetezo chodalirika.

Zokongola za Renaissance

Nzika iliyonse ya ku Russia yomwe ili ndi malo ogwira ntchito nthawi zonse ingagwiritse ntchito ntchito za banki ndikukonzekera mzere wa ngongole. Osati khadi la ngongole yopindulitsa kwambiri ndi nyengo yachisomo, koma yotchuka kwambiri. Bungwe la zachuma limakhala ndi chidaliro pakati pa nzika. Ambiri amayesetsa kupanga mgwirizano wa ngongole kuno. Panthawi yoyamba, kasitomala akhoza kupatsidwa mzere wokongoza ngongole mpaka mabiliketi 200,000. Nthawi ya chisomo idzakhala masiku 55, monga momwe zinalili kale. M'tsogolo kuti ntchito ya ndalama za ngongole iyenera kulipira 24% pachaka.

Malipiro osachepera pansi pa mgwirizano, monga mabanki ambiri, adzakhala 10% a ngongole. Malipiro kwa makasitomala amayenera kupangidwa mwezi uliwonse mpaka tsiku la 25.

Kodi ndiyenera kutenga khadi la ngongole ndi nthawi yachisomo? Ndalama zoterezi zimapindulitsa kwambiri ngati mumagwiritsa ntchito mwanzeru.