"The kukula kwa Bank": ndemanga. Ngongole, madipoziti, nthambi

Dziko lathu lili ndi chiwerengero chachikulu a mabanki - yaikulu kwambiri ndi ochepa, pang'ono odziwika. Komabe, mtengo si nthawi zonse chizindikiro cha makhalidwe abwino utumiki, bids mpikisano ndi zikhalidwe, ngakhale kukusalani zimenezi zingathe. anthu ambiri, posankha kusankha kwa bungwe ngongole, kutsogoleredwa ndi "dzina" wake, kuti amadziwika. Komabe, ili ndi njira yabwino ayi. Musanayambe kukhala kasitomala a kubanki, muyenera bwinobwino mokoma onse wogwira naye ntchito, kudziwa mlingo, kuwerenga ndemanga za anthu amene amagwiritsa ntchito zake. M'nkhaniyi, ife amati inu mutidziwe bwino bungwe "Growth Bank". Reviews, mavoti, mawu a ngongole ndi madipoziti, komanso mfundo zina zofunika kwa kasitomala kuthekera, adzakhala akufuna ndipo ayesedwa mu kugonjera ake. Choncho, timayamba timudziwe bwino.

Pa gombe: m'mbiri

OJSC "Bank of Growth" amabweretsa nkhani ya magombe awiri, amene anapanga ndi kaphatikizidwe watsopano ngongole bungwe ndi dzina lomweli. Poyamba, panali banki "Kazan" imene unathandizira pa msika kuyambira 1994. Ndi pamene chopereka woyamba ndipo analenga kulekana kwa banki ritelo linatsegulidwa. Pa kutsegula kwa likulu ulamuliro pa kampani anakwana rubles 100 okha zikwi, ndipo m'tsiku la inalowa wakhala kuliika pa rubles biliyoni 1,675.

Kwa zaka zambiri, banki anali lidzasinthidwa olowa kampani katundu kosalekeza akupangidwa kuwonjezeka katundu wake, kukodzedwa zopezera nthambi ndi maudindo onse pa dziko. Ankaganiza udindo wa "oterewa kholo", kuika ndi olowa katundu banki "Growth" mu June 2013, omwe panthawiyo anali ovomerezeka likulu kuchuluka kwa rubles biliyoni 2.375 ndi rubles 30 biliyoni a chuma. chochitika lofunika kwambiri mu moyo ndalama ya dziko - unakhazikitsidwa amphamvu, yaikulu komanso mtendere wa mabungwe ngongole ndi maukonde yotakata nthambi ndi chidwi ntchito ndalama.

Bank lero

Mawu a bungwe "Bank Growth" ukugwira pansi chiphaso ambiri a Bank of Russia ku dera lonse la dziko ndi malo ofesi mutu mu Moscow. Mbali kanukanu ndi wololera ndiwofatsa njira kugwirizana ndi ntchito yokhayo mu chuma weniweni ndiwo ndalama wakhala ndi akanali crediting amakampani a cigawo, komanso chithandizo. Ndi pophatikizana posachedwapa likulu ndi katundu wa Bank kuchuluka mwayi ndalama ndi kupereka ngongole. Malinga ndi mawu ndi ngongole gulu la mtengo waukulu ndi zofuna ndi zosowa za makasitomala, ndi ubwenzi zonse n'zochokera mgwirizano yaitali. A mwayi kwambiri, ndipo ndi kunyada cha kudalirika, kutsimikiziridwa kwa zaka zambiri.

Mapindu waukulu wa banki panopa waima Elena Vlasova (kumbuyo mu 2012 izo anapeza zambiri za magawo a "Kazan"), zomwe mwini pafupifupi 50,5% ya magawo a. Ena mbali yokulirapo mu manja a ena ma sheya hoda anayi - Anatoliya Zolotyh ndi Valentina Aleksashin (pafupifupi 16,6%), Elena Tarasova ndi Elena Kossovo (8% aliyense). Pulezidenti wa banki ndi Artem Henkin, ndi wapampando wa gulu la oyang'anira - Vsevolod Morozov.

"The kukula kwa banki" amakhala mabwenzi mtolankhani ndi lalikulu Russian ( "Rosbank", "Uralsib") komanso akunja (Commerzbank, Dautsche Bank, VTB Bank, ndipo ena.) Mawu a mabungwe. Iye ndi membala wa Association of Russian Banks, ndi Moscow mayiko mabungwe ndalama mu malonda kuwombola yachilendo msika wa ZAO "MICEX Stock Kusinthanitsa" ndi OAO "Moscow Kusinthanitsa".

Malo ndi mavoti banki a

Today JSC "The kukula kwa banki" ali TOP 100 waukulu mabungwe Russian ngongole. Ichi ndi chitsimikizo yofunika kwambiri ya kudalirika kwa umboni wa mphamvu banki kuti zosowa ogula 'mu ntchito ndalama ndi ngongole. Kulowa kwa bungwe mu mndandanda chifukwa chiwerengero cha mfundo za ntchito yake tsiku ndi tsiku:

• mwachilungamo ndiwofatsa ndalama ndi kukongoza ndondomeko;
• ntchito kwenikweni ndi chuma chenicheni;
• kuphatikiza njira munthuyo luso mu makasitomala;
• kupezeka kwa mankhwala banki ndi mautumiki;
• omasukirana ndi zibwenzi ndi makasitomala;
• woyenera chiopsezo ziyenera.

Masiku anonso, tikhoza kusunga ndi chokwanira ngongole mbiri ndi khalidwe labwino, ndilo chifukwa kugwilizana ndi mfundo zimenezi njira anapanga m'zaka linakhalapo, "Bank of Growth." Mawu mlingo anatumizidwa ku izo mwa bungwe "Katswiri RA" mu 2014, wakhala akweza kuti "A +" (kwambiri) kwa "osauka" zinthu. Malinga Standard & Osauka a Ziwerengero banki analandira yaitali ngongole mlingo wa "B-" ndi yochepa "C" ndi "khola" Mapa. mabungwe onse anafotokoza za ubwino wa ngongole mbiri ya gulu ndithu, kuganizira kwambiri ndiponso zokwanira. Ichi chimapereka chifukwa chokhulupirira kuti gulu ndi wolimba ndi kudalira ndalama zake ngati n'kotheka. Ambiri zopereka kapena ngongole kuti mu nthambi KO "Kukula Bank". Reviews Akatswiri kulosera ndi odekha komanso mwadongosolo chitukuko cha bungwe ndi kulimbitsa udindo mu ntchito ndalama msika.

N'zochititsa chidwi banki ali malo ake wolemekezeka mu zigawo. Choncho, nthambi ya bungwe "Bank of Growth" (Rostov pa-Don) anapambana malo oyamba mu mpikisano womwe Fund Odalirika a dera Rostov. Unachitikira mu August 2013 ndipo wakhala kugwirizana ndi makonzedwe a ukutitsimikizira thumba pa ngongole kwa mabizinesi ang'onoang'ono ndi sing'anga-kakulidwe. mitengo Akuti chidwi, mawu ndi kudalirika kwa mabungwe okha. Chigonjetso anali pangano mu kuchuluka kwa rubles 20 miliyoni, omwe analandira "Growth Bank" (Rostov pa-Don) kwa akukongoza gawo weniweni.

ntchito Bank

Monga ambiri a mabungwe ulemerero, ndi Bank amapereka makasitomala ake uthunthu wonse wa ntchito muyezo ndalama. Anapatsidwa "Bank of Growth" madipoziti, amapereka ngongole kwa makasitomala payekha ndi makampani, mabizinesi ang'onoang'ono ndi sing'anga, amapereka kasamalidwe ndalama ndi ntchito m'ndende, amapereka ukutitsimikizira, ntchito ndi makalata angongole, malipiro akutsogolera ndiponso ntchito zina. mndandanda zonse amakhudza kwambiri. Ena mwa iwo ntchito pa gawo lonse la dziko lathu lalikulu, ena ntchito yeniyeni Amawapatsa yekha "Kukula Bank" -Moscow (mwachitsanzo, amagwirizana ndi interbank kukongoza).

Chidwi kwambiri ndi ambirimbiri zikhalidwe za anthu madipoziti ndi mwayi kukongoza. Kwa iwo ife akukhala.

Zopereka: mitundu ndi zikhalidwe

Kuphweka ndi mayiko - i zonse zofunika kuti zinthu zimene ziperekedwa ndi "Bank of Growth." Zopereka - umboni. The ngongole bungwe, pali mitundu iwiri chachikulu cha ndalama makasitomala payekha. Ndi mitengo "Kukula mfulu" ndiponso "kukula pazipita." Tiyeni tione mmene ya aliyense wa iwo.

ufulu

The choyamba ndi mtundu wa kachikwamako kwa "kukapanda kuleka" chiwongoladzanja chake. Kodi zikutanthauza chiyani? gawo ili anatsegula pa anthu, ndi achire sikumangotikhudza ndi chiwongola dzanja. Kusintha nkhani, komanso kuchita withdrawals, pa ina iliyonseyo. The zotsalira osachepera chili (10 zikwi) ndi chidwi - kwambiri moti mtsukowo ndi zinthu zimenezi. The pazipita kuchuluka kwa mlingo uwu - 30 miliyoni rubles, kapena madola miliyoni (zomwe si kuchepetsa kuthekera makasitomala). Gawo akuti - miyezi itatu kapena chaka chimodzi ndi njira kuyambanso mgwirizano. Kuchuluka - ndi wachibale anatsimikiza malingana akuti ndi kuchuluka kwa malipiro (mpaka 9,2%).

pazipita

Ngati mulibe kukonza kutapa ndalama pa nthawi ya gawo, izo zikanakhala bwino ntchito zopereka "kukula pazipita." Malinga banki tariff limapereka mitengo yabwino chidwi capitalization awo. Komanso, pali zinthu yabwino kwa kuthetsedwa oyambirira ya mgwirizano. Monga m'mbuyomu, zopereka akhoza kudzaza nthawi n'loonadi. Monga chidwi akamafika 10,5% mu rubles ndi 4.5% mu ndalama zakunja. Palinso kusiyana yokulirapo mu ndalama ndi nthawi. Choncho, chopereka osachepera m'munsi pa rubles 3000, ndipo nthawi chopereka ndi kuyamba mwezi umodzi kuti zaka zitatu.

malo ali chothandiza Chiwerengero banki, pamene aliyense angathe kudziwa kuchuluka kwa chuma malinga pa kuchuluka ndi akuti anakonza. Komanso, depositors banki ali anapereka mwayi kwa utumiki payekha ndi patsogolo. Woyamba amaperekedwa ndi pakuika Uwerenge rubles miliyoni 4.5 ndi zikuphatikizapo zinthu zapadera misonkhano banki, bwana munthu, maofesi VIP ndi zina zotero. Chachiwiri - pamene chopereka kuchuluka kwa pafupifupi 1.5 miliyoni rubles. Nthawi zonse, kasitomala afika kwambiri phindu zabwino kwambiri.

Ngongole: ndalama

makasitomala Private "Bank Growth" amapereka ngongole pa mtengo waukulu kwambiri - mpaka rubles miliyoni. Zifukwa kuti apereke ngongole pano anapanga ndi antchito a gulu akhoza m'mawu anayi:

• woonamtima - palibe malipiro chobisika;
• opindulitsa - otsika kwambiri chiwongola dzanja;
• mwamsanga - pa pempho la chisankho adzatengedwa pasanathe masiku awiri;
• chabe - phukusi la zikalata kusungidwa yochepa (chofunika chokha pasipoti).

Pa kodi zinthu angayembekezere borrowers angathe banki? Monga tanena, pazipita ngongole kuchuluka ndi rubles miliyoni, osachepera - 30 zikwi. ndalama angathe kumwedwa kwa zaka zisanu (kapena malipiro ndi miyezi isanu ndi umodzi). N'zotheka alipire oyambirira popanda malamulo alionse. The chidwi kwambiri - kuchuluka. Izo zikhoza kuikidwa pa mlingo wa 17%, amene ali poyerekeza kuti mankhwala ofanana mu mabanki ena ambiri. malipiro Annuity, ndi tsiku kukhazikitsa mwasankha nokha.

Ndi mawu anamvetsa. Tsopano tiyenera kumvetsetsa momwe banki amaona wobwereka ake. muyezo zofunika - zaka 20 ndi 65, kupezeka kwa kuntchito ya miyezi itatu, makamaka declarative umboni ndalama (izo kumawonjezera mwayi akusangalala ngongole ndi kupeza ndalama kwambiri ngongole ya).

Auto ngongole

An Baibulo kale ngongole kwa anthu amene akufuna kugwiritsa ntchito ndalama zolinga kapena banja, monga ulendo kunyanja kapena kukonza. Ngati maloto anu ndi mtundu galimoto latsopano, ndi bwino kugwiritsa ntchito mankhwala apadera. Galimoto ngongole ndi wokongola, chokongoletsedwa mu "Kukula Bank"? Reviews wa eni magalimoto, kugwiritsa ntchito msonkhano uno, pofotokoza zinthu yowala kwambiri makonzedwe ake. Choyamba, ichi ndi phukusi osachepera zikalata (anafunika yekha pasipoti ndi ntchito mawonekedwe) ndi mwayi ntchito popanda zopita ku banki. Chachiwiri, otsika-chidwi - kuchokera 8,9% pakalibe zolipira zina. Kuchuluka kwa amene mungayembekezere rubles mpaka 10 miliyoni, ndipo mawuwa akupempha zaka 7! Pankhaniyi, kulingalira ntchito kumatenga zosaposa maola awiri, ngakhale pafupi kwambiri kwa aziti iyeyu n'ngwabwino kugula wobwereka.

Kuti kugwiritsa ngongole, muyenera kukonza inshuwalansi munthu (m'magulu atatu), ndi Russian nzika, ndi kwa zaka 55. Mankhwala izi zikhoza kugulidwa magalimoto malonda ndi zipangizo zina zapadera.

zanyumba angakwanitse

Masiku ano, pali angapo mapulogalamu osangalatsa kugula nyumba, umene amapereka "kukula kwa banki." Kubweza, chokongoletsedwa mu ngongole bungwe, mfundo zotsatirazi:

• mayiko;
• screen;
• kuphweka.

Borrowers amene akonza kugula nyumba kubweza angakhale woyenera kwa mlingo wa 8.5% pa annum. Pa nyumba chomwecho mu nyumba yatsopano anapereka 100% chigawo kupanga malipiro. Mwaichi, ankaloledwa kugwiritsa ntchito umayi likulu. Mu "Kukula Bank" borrowers mukupemphedwa kutenga nawo mbali mu ndondomeko ya boma thandizo pakati pawo - "ofufuza Young", "Asilikali kubweza" ndi ena. Ndi kutheka kubweza pa mapulogalamu AHML. ndikupeleka aliyense ngati kasitomala akufuna kuti limodzi ndi woyang'anira munthu kubweza.

Ntchito Chiwerengero wapadera pa webusaiti ya gombe, n'zosavuta kuwerengera amati pasadakhale ndalama kugwirizana ndi processing ngongole, komanso kuphunzira pafupifupi ndalama malingana akuti ndi kuchuluka kwa ngongole. Mwachitsanzo, ngongole ya munthu wa mapulogalamu otchuka - "Ogulitsanso". Pamene mtengo wogulira rubles 4 miliyoni, ndipo malipiro koyamba 30% kuchuluka anabwereka ndalama zopanda rubles 2.8 miliyoni. Ife kulowa Chiwerengero deta, komanso pamwezi ndalama aakulu banja - mwachitsanzo, rubles 80 chikwi. Ngati inu angakonze kubweza kwa zaka 20, mlingo adzakhala 13,35%, ndi malipiro mwezi - 33,5 zikwi. Ngati tigwiritsa ntchito mu nkhani iyi, boma pulogalamu AHML, ndi kubweza chiwongola dzanja adzakhala ndichepe kuti 11,85%, ndi malipiro a yafupika 30 500. Kusintha deta pachiyambi, mukhoza kusankha okha mawu oyenerera kwambiri ngongole.

makhadi: Features

Amene banki tsopano amawapatsa ndi makadi pulasitiki? N'zokayikitsa kuti woterewu. "The kukula kwa Bank 'amakhazikitsa chidwi zikuchitika yekha gawo lino. makadi madebiti ndi chikalata, chifukwa ndondomeko ndiwofatsa wa banki. Komabe, iwo ndi ubwino chidwi. Choncho bwino ndalama pa khadi mudzakhala accrue chidwi pa mlingo wa 2-4% pamwezi. Perekani zake pafupifupi kulikonse pa dziko lapansi, ndi kutembenuka kwa ndalama ikuchitika momwe kopindulitsa kwambiri - pa mlingo wa chitetezo cha malipiro.

Makadi zilipo m'magulu osiyana - kuchokera elekitironi kwa osachepera Platinum ndi wopandamalire, ndi wotsogola, komanso kupereka mwayi zocotsera kupanga renti ndipo galimoto zosungitsa hotelo (mu chimango cha dongosolo lapadera maudindo). Mothandizidwa ndi iwo mukhoza kugula pa intaneti, kulipira ntchito mafoni ndi kuliika kulankhulana, utumiki wosamalira Internet, TV ndi zina zotero. Mawu a bungwe "Kukula Bank" ATMs ali pamaso m'mizinda yonse. Komanso, kutapa ndalama ku "ŵakwenera" Commission (0.8%) kupyolera AVM banki "UralSib".

mfundo zothandiza makasitomala

Chibwenzi, "The kukula kwa Bank" ali nthambi m'mizinda 74 Russia, koma akupitiriza mwachangu kumanga zopezera nthambi ndi maofesi ku zigawo. Pezani katswiri malangizo ndi kukhala ndi kasitomala kosamalira ngongole ndi Russian nzika akukhala m'dera lililonse.

Kupeza mfundo zambiri za mankhwala gombe, ndipo ntchito zake ndi ntchito ndalama, pali bungwe "Kukula tsamba lovomerezeka Bank ', limene lili pa www.rostbank.ru. Izo zifika ku umenewu nsikidzi, kamangidwe chi komanso zimasiyana chuma cha mabungwe ena ngongole. Pano mukhoza kupeza nkhani banki: mudziwe za mbiri ya pochimanga ndi opareshoni, onani mlingo wa mabungwe osiyanasiyana, nkhani zachuma, aphunzire za mankhwala banki ndi zikhalidwe za makonzedwe awo, ntchito toŵerengera madipoziti ndi ngongole ndi kupeza zina za JSC "Growth Bank "(deta, kulankhula, abwenzi, ndi zina zotero.). Komanso pa malo a ngongole bungwe pamwamba ngodya kumanzere pali kugwirizana kwa Bank Internet ( "Kiberbank"), imene mukhoza fufuzani nkhani wanu onani nkhani kapena kupanga wotuluka iliyonse ndalama.

Pakuti kulankhulana kugwira ntchito ndi akatswiri KO "Kukula Bank" nambala ya foni mu malo olemekezeka kwambiri pa pamwamba pa malo. Hotline kwa mafoni ufulu - 8 (800) 250-88-88, chifukwa cha mgwirizano ndi umafuna zilipo Email - post@rostbank.ru. City malo ofesi yaikulu ya kampani "Growth Bank" - Moscow. Onse m'chigawo Moscow Anatoti - lalikulukulu khumi ndi awiri kwambiri. Pa webusaiti ya "The kukula kwa Bank 'ofesi adiresi m'dera lanu angapezeke kupita ku ngodya pamwamba lamanja la m'dera ziwalo ndi kutsegula tsamba" Contact ". Pano mukhoza kupeza nambala m'dera nthambi ya ku banki. Ofesi chapakati ili mu Moscow pa Stanislavsky Street 4/1.

Kuyang'ana kwa makasitomala kunja

Komabe, aliyense banki ali ndi makasitomala oyamikira ndi osakondwa kuposa kale. Pa nthawi, mlingo of KO "Kukula Bank" ndi 50,4% 100%. Izi si chizindikiro bwino, komanso wabwino. Kuchokera pa 28 ndemanga ndi mavoti 13 banki lero lili pa nambala 17 mwa 225 (malinga banki.ru malo)! Izi ndi zinthu zabwino, ndipo amalankhula ndi ntchito bwino za ngongole bungwe, akatswiri utumiki tcheru ndipo mkulu mlingo wa utumiki.

Pafupifupi kulingalira kuposa kukhuta, kuti makasitomala banki akhala anadandaula, onani zina ndemanga anachoka ndi iwo. M'mizinda yambiri (Kazan, Vladimir, Nizhny Novgorod ndi ena.) Alendo muzindikire mtendere umene unali mu chipinda, utumiki tcheru ndipo chidwi pothetsa mavuto a akatswiri. Koma wina kasitomala KO "Bank Growth" (Rostov pa-Don), ntchito chopereka apa, ananena kuti zinthu madipoziti ali pakati zabwino mu mzinda, ndodo woyenera ndi aulemu kwambiri, zabwino ofesi. The kokha drawback, zomwe zimabweretsa mavuto kwa makasitomala - mu nthambi imodzi yokha, ndipo ambiri, onse a banki ngati. Ndi view izi zigwirizana ndi makasitomala ena a banki, amene ananenanso mitengo wokongola chiwongoladzanja pa ngongole. Koma ankakhala ku St. Petersburg, anapitiriza depositor KO "Bank Growth" (St. Petersburg), chidwi ndi kupanda queues, mosiyana ndi nthambi zina za mabungwe ngongole. Amalima ndi zotsatira zabwino, ndi zothandiza kwambiri ndodo (mpando kupereka kwa kulankhula bwino, fotokozani chilichonse ndi kuleza mtima, athandizira lotseguka msanga, ndipo ngakhale mphatso chimanjamanja).

Kumene pali ndemanga negative. Ena mwa iwo idzagwiritsa ntchito ATMs mwadzidzidzi kasinthidwe zambiri pa webusaiti (nthawi zina zimabweretsa discomfiture zosasangalatsa), mavuto luso ndi malevolence antchito payekha. Ambiri, pali zambiri bwino, ndi zina zolakwa ntchito ayenera kuchotsedwa, koma ambiri, kubanki ndi kuyamikiridwa. Chinthu chachikulu tsopano - angalimbane awo pa mlingo lalitali kuyesera kuti awalimbikitse.

Pomaliza

Lero ndife bwino pang'ono odziwika mu mabwalo lonse wa bungwe ngongole "Kukula Bank". Reviews makasitomala ake oyenera chidwi ndi mwayi pa misonkhano banki a. ubwino waukulu ndi amtengo ndiwofatsa mfundo mudziko la ngongole ndi kuganizira wokhutira ndi phindu pazipita zofuna makasitomala awo. Ambiri mwa anthu amene amagwiritsa ntchito ya gombe, kunena zinthu wokongola zabwino ngongole ndi ziwawa pa madipoziti. Komanso, nthawi zambiri maganizo makasitomala anati ndodo "Growth Bank" monga akatswiri woyenera ndi ulemu, ndi zoona ali nkhope ya bungwe lirilonse. Chifukwa palibe conservatism mu ntchito zake, Bank wakhazikitsa wokha ngati wodalirika komanso khola ngongole bungwe, chimene Ndikufuna ntchito kwa nthawi yaitali. Mwa njira, "The kukula kwa Bank" pafupifupi sakhala lengezani palokha, ndipo gwero zolondola zokhudza ndi mawu a pakamwa.