The makhadi chisomo nthawi

kudziletsa kulemekeza banki aliyense masiku ano limapereka makadi ake makasitomala ngongole. Mbali yaikulu - chidwi wopanda chisomo nthawi, kapena kugwiritsa ntchito mabungwe ndalama, kapena chisomo nthawi.

Kodi Ndipotu, ubwino?

Grace nyengo - ndi nthawi imene ndalama zinachokera ku banki amabwezeretsedwa popanda chiwongoladzanja. The chikhalidwe chachikulu - kuchita izo zonse mpaka mapeto a akuti anavomera.

Zingaoneke disadvantageous kwambiri utumiki banki - ndi nthawi chisomo. Ndipotu, lero anthu ambiri zosafunika. Iwo kulipira chidwi ndi zilango kuonetsetsa phindu banki a.

Udindo wobwereka mwanzeru kufufuza "ubwino" ndi "kuipa", adzakhala yosavuta kugwiritsa ntchito ndalama banki ndi ndalama ntchito zawo kwa iwo (anaperekeranji Mwachitsanzo, chopereka kuchuluka zabwino).

mbali mawerengedwe

Ambiri mwa anthu ogula la ntchito banki si nthawi zonse delves mu nkhani nawadziwitsa dongosolo la nthawi chisomo. Ndipotu, ndi zophweka. Today mabanki nthawi chisomo lagawidwa pawiri. Loyamba ndilochokera pa 30 masiku ndi limakupatsani kupanga wotuluka pa ngongole. Chachiwiri, za 20-25 masiku, anafuna kuti alipire ngongole ya. Zotsatira zake n'zakuti nthawi chisomo ukhoza kwa masiku 55 (malingana ndi tsiku kugula).

kukongoza options anapereka mabanki, awiri okha: mwina ubwino nthawi akuyamba ndi kugula tsiku kulembetsa, kapena tsiku limene mwadala mwa gombe.

Ngati phindu akuyamba kuchokera tsiku ndi yoikidwiratu ndi banki

Pamene khadi ali ndi chisomo nthawi ya mtundu uwu ambiri ayamba kuwerengera nthawi kuchokera tsiku loyamba la mwezi kapena pambuyo kutsegula kwa khadi, ndipo zimatengera avareji masiku 30. Ndipo wotuluka onse mwachidule, ndi mapeto a nthawi ya ananena, iwo ayenera kulandiridwa pa nkhani ya banki.

bwanji akuti ndi wosakhazikika, monga Mwachitsanzo, kugula anapanga kutha kwa mwezi, ali wamfupi akuti chidwi wopanda ngongole. Koma kuchuluka kwa mwezi malipiro mwezi chinthu chomwecho. Kuti ogula, ogula zambiri, njirayi ndi yabwino kwambiri mawerengedwe. Wokwanira kumbukirani chiyambi ndi mapeto a nthawi ya chisomo ndi tsiku kuzipeleka kwa malipiro a mwezi uliwonse. Kawirikawiri, mabanki, mogwirizana ndi mawu a nthawi chisomo anatumiza mwezi pakompyuta mawu kwa kasitomala kapena SMS Uthenga, zimene zikusonyeza kuchuluka kwa ngongole ndi mawu a kupanga izo mu banki.

Ngati phindu akuyamba kuchokera pamene ndikupeleka

Pankhaniyi, zingatanthauze, chirichonse chiri mosavuta. Nthawi ya chidwi-free alipire ndalama Bank kumayambira tsiku yogula ndi kumatenga masiku 30 pa avareji (malingana ndi bungwe makamaka). Koma ngati mwiniwake wa khadi ndi nthawi chisomo zimapangitsa kugula ambiri yaing'ono, zikuoneka kuti asokonezeka ndipo chabe kubweza ndalama ndi madeti.

mabvuto amene angadze

Iwo angayambe ngati kasitomala kamodzi anaiwala ngongole kapena chofunika malipiro apamwezi. Chidwi mu nkhani iyi, banki adzalipira ndi yotsala ya akuti ngongole, ndi chisomo. Kubweza ngongoleyo, mungagwiritse ntchito imodzi mwa njira zitatu:

1. Anavomera kuti banki kuchuluka kwa nthambi iliyonse zace.
2. Ikani ndalama iliyonse ATM pa ndalama za ngongole kubanki.
3. Kupanga kutumiza kudwala iliyonse yabwino.

Apa m'pofunika tikambirane chenjezo. ndalama ndiwo m'mphepete opereka (njira yoyamba), kupita ku nkhani pa tsiku lomwelo. Ndalama ku mabanki ena kumeneko kwa masiku malonda atatu.

Komabe zikachitika, chikhalidwe choterocho la opereka ngongole monga malipiro kuvomerezedwa. Izi malipiro apamwezi anapereka kwa mu mgwirizano, ndipo kawirikawiri sakhala upambana 10% kuchuluka ngongole. Kunyalanyaza zopelekazi, ngakhale wobwereka amalipira chidwi, likuoneka zilango ndi blacklisting.

Zabwino ngongole kubanki ndi nthawi chisomo

Zambiri za ngongole ntchito dongosolo: choyamba masiku makumi atatu kugula awo ndi ndalama abwereka, amene ayenera kubwerera mu masiku makumi awiri. Koma pali obwereketsa kuti kupereka chisomo nthawi ya masiku mazana awiri. The chikhalidwe zazikulu zimene ayenera kutsatira kasitomala - malipiro apamwezi. Iye si% kuposa 5 chiwerengero ngongole.

Free ngongole kwa masiku 60 200

Zolemba malire mwayi MasterCard kapena Visa Khadi Bank "Avangard". Iwo akhoza kupeza kasitomala amene alibe ngongole kapena atafika. Amalipiritsa mwezi kwa khadili - 10%.

Ngati kumapeto kwa mwezi wachisanu ndi chiwiri kuyambira tsiku chigawo chotsatira sadzalipidwa chilichonse kwa issuance wa khadi, banki amalipira chidwi pa masiku 200 chisomo nthawi zonse. Pa nthawi yomweyo mlingo adzauka mwezi ndi mwezi.

Mawu malire zimasiyanasiyana 10 150 zikwi ndi zongowonjezwdwa.

Osati zochepa khadi yabwino ndi nthawi ya chisomo (Bank "Promsvyazbank") kwa masiku 145. Perekani izo okha oyambirira kulipira ndipo osagwiritsa ntchito makhadi kuti mfundo imeneyi. Free nthawi kumayambira mwezi wa nkhani ya khadi. Choncho, mwayi adzakhala wamkulu, ngati inu mukuzitenga izo pachiyambi la mweziwo. Mawu malire a "Promsvyazbank" ndi 600 zikwi rubles. Kuti zinthu sanali ovomerezeka kwa Bank chiwongola dzanja ndi 34,9%.

Chidwi kale zinatchuka Khadi "Amapasa" pa "Alfa-Bank." Gratuitously ntchito ndalama za bungwe kungakhale zana masiku. Amazing khadi kuti ali mbali ziwiri ntchito. Mmodzi - ngongole, wachiwiri - madebiti. Mwachibadwa, mfundo ndi osiyana, kuphatikizapo Pin. The ngongole malire pa "Amapasa" - mpaka rubles 300 zikwi, ndi chidwi, ngati inu kulipira, - 18,99%.

mawu ngongole chidwi operekedwa ndi mabanki (ndi nthawi chisomo pa mapu masiku 60) "Uralsib" ndi "Rosbank". Last koma chisomo nthawi, kuti limachititsa popanda kutchula chonyamulira aliyense mpweya buku misonkhano kuyenda. The ngongole malire zimasiyanasiyana 300 zikwi ndi miliyoni, ndi chiwongola dzanja - 24,9%.

"Uralsib" Kupatula M'chaka choyamba cha utumiki free, amapereka pa mafuta "Lukoil" kuchotsera.

Makadi chisomo nthawi ngongole, "Yar-banki" muyezo kumatenga masiku 55. Ndi kuchuluka ochepa (17.5%) kungakhale miliyoni rubles.

Mmodzi wa anthu otchuka makhadi opanga masewera ndi mafani novelties pakompyuta - Kanobu banki "Tinkoff. Systems Mawu ". Iye zongowonjezwdwa ndalama - rubles 700 zikwi. Koma zimenezi si zofunika. Kumvera ndi Kanobu pa malo, wosuta ali ndi 10% kuchotsera, monga, poyamba, ndipo m'masitolo naye chinkhoswe mu kugulitsa zamagetsi. Chidwi kupitirira nthawi ya chisomo - 23,9. Ndipo withdrawals ndalama kwa khadili ngongole zimakhalanso zotsika mtengo.

Cash ndi ngongole? Chonde!

Monga tikudziwa, makhadi sizili kaamba cashing. Koma pomenyera mabanki kasitomala kupita ku zokambirana zosiyanasiyana kwa issuance wa ndalama makadi awa. zina zabwino zonse zotchulidwa mu mgwirizano. Iwo ayenera dziŵani okha mosamala. Nawa ena mwa iwo:

• mlingo ntchito mwina kuposa mu ATM "mayiko ena".
• Commission kuti waleka mwini ndalama zake - komanso si zachilendo.
• Ngati chikugwirizana analipira njira withdrawals ndi ngongole, bungwe, mwina, koma nthawi chisomo - kwambiri.
• Malile withdrawals ukhoza kuchepetsedwa kwa masiku kapena miyezi. Inde, ndipo mukhoza kutuluka penapake malire onse, ndi zina - mbali yaing'ono.

Best amachita kutapa ndalama kuchokera khadi madebiti

Today zambiri ogula misonkhano banki anagula makhadi kuti ndalama. Koma chifukwa makasitomala awa malo apadera adayamba kuwonekera khadi madebiti. Tiyeni tione m'munsimu.

Top mabanki

Modzi wa atsogoleli umenewu - "Alfa-Bank". Pali mapu wasenza mu masiku awiri pa zikalata ziwiri. Okonzeka ndi umisiri zonse ano, zomwe zimatsimikizira otetezedwa ndi zofewa ntchito.

Bungweli ndi imodzi yabwino Intaneti banki ( "Alpha-dinani"), free SMS zidziwitso, ndi cashback wabwino kugula, amene angathe kuchitidwa popanda kukhudzana, chidwi nthawi chisomo (ndalama, ndi njira, achotsedwa popanda kutuma). mabanki naye (iwo kutchulidwa mgwirizano) ndi ufulu withdrawals. Mu mabanki ena ntchito adzakhala 1%, koma osachepera 150 rubles. Mawu malire - 750 zikwi pamwezi.

Osati utsalira ndi "Raiffeisen Bank" ndi "khadi ndalama". Linapangidwa kunja kwa bukuli chomwecho. The chiwongola dzanja ndi 34%. Ngati pa mapeto a mgwirizano kupereka mawu ndalama, mlingo akutsikira 29%. Anachoka ndalama khadi kwaulere osati "Raiffeisen Bank" ndi "Rosbank". Wina "koma" - pambuyo cashing Grace nyengo malekezero ndi chidwi pa chilichonse.

Madebiti khadi "Malipiro" ndi "Union" wa banki lilipo kwaulere, ndi zingati chaka chautumiki si mlandu. Mawu malire - mu osiyanasiyana rubles 5000 300 000. Nkofunika kukumbukira kuti nthawi chisomo, banki "Union" sasamalira. Pa chilungamo chidwi ndi kuchita masamu. Anaperekeranji pasipoti, koma ngati kasitomala nawo ntchitoyo malipiro a Bank ndi ndalama zake anali oposa 10 000 mu m'mbuyomu miyezi itatu (ukonde). Amalipiritsa mwezi ndi 10% ya olemekezeka ndi chidwi, ndipo ayenera waikamo pasanafike chiwerengero wachisanu.

Cash kudzipatula popanda mabungwe, koma pa tsiku - palibe oposa 180 000, ndipo mu mwezi zosaposa 450.000.

"Khadi Monga ngongole" ndi "CitiBank" - wapadera banki mankhwala. Cash akhoza kuchotsedwa pamalo alionse dziko kwaulere. Pa zingati pachaka yokonza amadziwikanso osati mlandu. Chiwerengero ali m'gulu pakati - kuchokera 13.9 kuti 32,9%. Grace nyengo - masiku 50 - ndalama achire sizikhudza. Makasitomala kuona: kuyambanso khadi pa ofesi ya ndalama 750 rubles, ndi pa Intaneti - kwaulere!

Malipiro "RosEvroBank" pulogalamu amalola khadi iliyonse ngongole kutapa ndalama kwaulere. Perekani izo okha ophunzira pulogalamu. Mtengo wa pachaka wa khadi chimadalira pa mfundo yake. Koma chiwongola dzanja ndi malire ngongole amaonedwa ndi banki payekha aliyense kasitomala.

Kodi "Bank ndalama"

Grace nthawi mu bungwe la ngongole - masiku 50. Komabe, kupewa chidwi, m'pofunika kufufuza mozama pempholo.

Chinthu chachikulu tione nthawi chisomo akuyamba ku tsiku Kutengera za ntchito nkhani khadi, osati tsiku yogula, monga mabanki ambiri. deti limeneli adzasonyezedwa pa envelopu ndi malamulo Pin. Ndi iwo amayamba ufulu pyatidesyatidnevka ntchito ndalama kubanki, makumi awiri amene amaona nthawi malipiro. Mu nthawi imeneyi muyenera kulipira kwa malipoti mwezi. Choncho, ŵakwenera masiku 50 ndi:

• ndi lipoti masiku 30 m'litali, amene anapanga kumapeto kwa bukuli zolipiritsa (izo anatchula kugula onse ndi kuchuluka okwana)
• nthawi zolipiritsa, amene kumatenga masiku 20.

Mayendedwe ntchito ngongole "Ndalama" ofanana ndi zotsatirazi:

1. Yofunsira khadi issuance ndi kutsegula.
2. Kugwiritsa ntchito ndalama kubanki kwa masiku 30, popanda wakulekana ndi kuchuluka kwa malire.
3. Kulandira lipoti chikalata kugula.
4. Kuphunzira tsiku amalipira ndi kuchuluka.
5. Kubweza ngongole yotsatira.

Anthu ena amakhulupirira kuti ngati inu kutapa ndalama kwa ngongole, ndi kubwerera mu nthawi, alibe kubwezera chidwi. Izi ndi nthano. "Sberbank" chisomo nthawi limayankha kuti malipiro si ndalama. Mwamsanga pamene ndalama adzakhala ndatapa (kwa kudzatenga ntchito a), chidwi accrued pa ngongole zonse. Ndipo ichi ndi 24%.

Mu nkhani ya kulephera kubweza ndalama zonsezo chofunika akutenga ndalama kubala chidwi pa pakafukufuku, ndi kasitomala Tiyenera kupanga ndalama zochepa. Mu "Sberbank" Iwo amapanga 5%. Ngati zopereka m'nkhaniyi siziwoneka, malinga ndi mgwirizano, padzakhala accrual la zilango ndi chiwongola dzanja adzakhala kuuluka kwa 38%.

Post scriptum

Cash kuchokera ngongole "Ndalama" pa ena akhoza kukhala mu njira iliyonse yabwino kusamutsa pa Intaneti banki, osatha, mafoni kubanki. Apa chinthu chachikulu - kudziwa kuti ndalama kunditumiza ku opotoka kuti achire ndalama ndipo zotsatira zake.

Kuchepetsa chidwi cashing ndalama akhoza kukhala ngati mwa osachiritsika kapena Intaneti kutengerapo mmodzi wa e-chikwama, ndi chifukwa kukhala ndi khadi madebiti. Pankhaniyi, ntchito adzakhala 1,75%.