Tikaona mwa kundipatsako kwa mabungwe banki m'banja mwa mawu a mankhwala khadi ndi malire ngongole, zimaonekeratu kuti ngongole ndalama Bank, ndemanga za zomwe ambiri a iwo zabwino, ndi chidwi kwambiri mankhwala. Mwa ubwino waukulu ndi:
• mlingo wochepa chidwi;
• Development wa maukonde nthambi.
Mukhoza kufunsa mmene zikugwirizana zopezera maudindo (nthambi) ndi ngongole? Sberbank (umboni wa anthu, ndi mkulu webusaiti kutsimikizira izi) ali oposa 19 000 maofesi ake nthumwi ku Russia, kuphatikizapo nthambi 17 dera. Izi zikutanthauza kuti mwini wa mankhwala, mu funso, akhoza bwinobwino ntchito kwa aliyense wa iwo kuthana ndi mavuto panopa. Zikuonekeratu kuti, Choncho, ndi bwino ntchito ndi dipatimenti kumene khadi chinapezeka. Koma mwadzidzidzi sadzakhala makasitomala chomwecho kudikira maulendo, mwachitsanzo.
mabungwe banki zoweta ndi kusamala kwambiri pa nkhani ya akukongoza anthu. Ndi nazonso ndi Sberbank. Mawu a khadi (ndemanga angapezeke mosavuta, mwachitsanzo, World Lonse Web) ndi chikalata kwa nzika pa msinkhu wa zaka 21. Koma m'badwo pazipita kwa wobwereka, iwo sayenera upambana zaka 52 pa nthawi ya kalembera. Komanso, n'kofunika kwambiri ndi kukhalapo kwa mosalekeza ubwenzi ntchito kwa miyezi 12. Pa nthawi yomweyo wobwereka angathe pa ntchito omaliza ntchito osachepera miyezi 6. Ngati kasitomala aphimbidwa kwathunthu pansi pa zikhalidwe izi, ndiye inu mukhoza bwinobwino ku nthambi ya yapafupi. Osati ndikuiwala kutenga pasipoti yanu ndi satifiketi, kumene kumasonyeza kukula kwa ndalama zake boma pa miyezi isanu ndi imodzi.
Iwo ayenera kukumbukira kuti ndalama Bank ngongole amatenga ndemanga zabwino. Mwachitsanzo, mwina apatsidwe kwa anthu amalonda payekha. Mwa njira, aliyense banki Russian amapereka utumiki uwu.
Pankhani tariffs, ndiye anati bungwe chuma chapadera kwa khamulo. Mwachitsanzo, ntchito anabwereka ndalama zogwirira "golide" makadi (Visa ndi MasterCard) kulipira 17,9% -23% pa chaka. M'munsi kalasi - MasterCard Standard ndi Visa Classic - ndalama mwiniwake wa 19% -24% pa annum. Ngati kubwerera anakongola ndalama pa nyengo ya chisomo, ndi ngongole ndalama Bank (ndemanga weniweni wa borrowers, izi zikutsimikiziridwa ndi njira) kwenikweni amapereka mwayi kugwiritsa ntchito ndalama pa pafupifupi palibe mtengo. Onani dzina lachiwiri la nthawi chisomo - chisomo nthawi.
Pomaliza Ndikufuna kuti pa kufunika mtundu "ngongole ndalama Bank ndemanga" mungazipeze ndithu zoipa ndipo kwambiri maganizo cardholders ndemanga. Kafukufuku mwatsatanetsatane za vutoli, amene anali kukhala nzika, zikuonekeratu kuti nthawi zambiri banki si mlandu, koma munthu wogwira ntchito yeniyeni. Kuti wowopsa anthu Chinthu. N'zoonekeratu kuti ntchito ya munthu sangagwiritse za dongosolo lonse. Koma moyo ndi choncho likukhalira.