How kuwana kadhi nemari Bank, uye nokudaro chokuripa kubhangi?

Gore negore makadhi kuRussia vari kuramba ichiva yakakurumbira zvikuru, nokuti dzimwe nguva zvokuti hapana mari. Zvino pamberi penyu pane mubvunzo: " Ndingawane kadhi Sberbank kadhi?" Munyaya ino uchadzidza nzira dzose kuwana kadhi yakadaro, uyewo kuishandisa.

Sei kuwana kadhi iri mari Bank?

Uri rombo kana kuwana mudyandigere uye mari panguva mumari Bank kadhi, sezvo nzira chokuwana nyore iwe. Kana iwe vakashanda kana kugamuchira mudyandigere vanopfuura 3 months, ipapo iwe watova pre-vanotenderwa muganhu. Unogona kuwana muenzaniso mepu pakarepo pakarepo kana kurayira ndarama uye vawane mumazuva 3-5. The musiyano makadhi aya ndechokuti panguva nechinguvana mepu 19% chete annum, uye goridhe - 17.9%. Uyewo goridhe kadhi zita. Sezvaiitwa pakarepo, uye panguva Gold Card rokutanga gore hapana muripo wepagore.

Uyewo, kana iwe kumboziva atora chikwereti kubva Sberbank, ipapo iwe, zvakare, anofanira pre-vanotenderwa muganhu.

Sei kuwana kadhi iri mari Bank mune dzimwe nyaya?

Unofanira kushanda 6 mwedzi panzvimbo kuitika basa, kupa bhuku 2-gomba kana zadza mubhangi chimiro uye kuisa bhuku basa. Zvadaro, rekuongorora anopinda chikumbiro, mukati 2 mazuva ayo underwriter ichataura uye kusarudza akadzika pakadhi, uyewo chikwereti muganhu. Kana ukaswedera kadhi, musi mukuru mashoko, zvichava chinhu basa pagore. Kana goridhe kadhi - 3000 rubles pagore, kana zimbabwe - 750 rubles.

Kana uchida kusimbisa mamiriro ako, ipapo pamberi penyu simudza mubvunzo: "sei kuwana American Express Platinum kadhi" kadhi iri zvinogona kutengwa chete chiitiko kuti mumakore 6 mwedzi, pamusoro inflow mari kuti nhoroondo mari Bank yakasvika hapana asingasviki 3 mln. Kwiza nechekuzasi., The Kureba basa anofanira kuva kanenge 1 gore mumakore 5 years. Kushanda magetsi basa raunoda 6 mwedzi. Asi kadhi iri vachakupai mikana yakawanda kuti kuzarura VIP-dzimba anozivikanwa zvikuru dzendege, pachava inokosha mitengo iri matikiti, mamwe makomborero ari pamusoro 1000 Hotels pasi pose, discounts hombe kana kuti kurenda motokari kubva akakurumbira makambani uye dzimwe ropafadzo dzakawanda. kadhi iri ane wepagore Nokuraramisa Mari 10 000 kusvika 17 000 rubles pagore, ukuwo chimbadzo pamusoro ichava 17%.

How kushandisa kadhi rechikwereti?

Makadhi kubva Sberbank vane kumwedzi nyasha, uye mazuva 50. Panguva iyi unoda kuti abhadhare chikwereti. Mumazuva 50, unogona kubhadhara zvose vasiri mari kadhi kutenga, asi kana uchida kurega mari, ipapo iwe pakarepo kubvisa 3% nokuda mari, uye nguva nyasha hamungambovi kuita kudaro. E. Zvichaitwa pakarepo -bereka. Kana ichi chiri kadhi, musi nhau nguva kunoratidzwa pamusoro PIN hamvuropu, kana kadhi iri pfupi, ndiwo musi issuance of kadhi. Nokuti kadhi muchaiswa chokuita basa "Mobile Banking", iro achakuyeuchidzai kana zvakadini zvaunazvo uye kudzorera. Kana ukakundikana kubhadhara shoma mutsividzo mari - 5% uwandu rakadini.

Saka, tine akapindura mubvunzo sei kuwana kadhi nemari Bank, uyewo sei kuzvishandisa uye hazvitsivi chinhu. Zvino endai mubhangi rayirai kadhi, nokuti ichi "kupembedza chikwama" kumbobvira unotema!