"The kukura Bank": wongororo. Zvikwereti, deposits, mapazi

nyika yedu ine kuwanda nemabhangi - zvose huru kwazvo uye vashomashoma, zvishoma-kuzivikanwa. Zvisinei, kukosha hakusi nguva dzose nechiidzo imwe nani unhu basa, yemakwikwi vachiriita uye mamiriro ezvinhu, kunyange siya munhu mukana wakadaro. vanhu vazhinji, kana kusarudza kusarudza kadhi sangano, anodzorwa "zita" ayo, zvinozikanwa. Zvisinei, izvi hazvina yakanakisisa nzira. Usati wava mutengi mumwe pamahombekombe, unofanira ukanyatsoongorora ose nuances yokushanda naye, kuziva rating, verenga wongororo yevaya vakashandisa mabasa ayo. Munyaya ino, isu zano iwe uzive nesangano "Growth Bank". Reviews, ratings, mashoko zvikwereti uye deposits, uyewo mamwe mashoko anokosha ane zvinogona mutengi, achaiswa aronga uye dzinoongororwa kwaro pasi. Saka, isu titange kuzivana.

Pamahombekombe: nhoroondo

OJSC "Bank Zvokuwedzera" unounza nyaya mabhanga maviri, ayo inoumbwa tichibatanidza kadhi sangano itsva chete zita. Pakutanga, paiva kubhengi "Kazan", iro kushanda pamisika kubvira 1994. Ndipo apo nomupiro wokutanga uye akasika kuparadzana chitoro rwezvemabhengi yakavhurwa. Pamukova guru mvumo wechaunga vakasvika rubles 100 zviuru chete, uye pazuva accession wakaiswa pa mabhiriyoni 1,675 rubles.

Kwemakore, bhengi yakashandurwa kuva pamwe wemari kambani nguva yakatanga, kuwedzera ayo pfuma, rakatsaurirwa richikurukura matavi uye mahofisi yose nyika. Aifungidzira basa "mubereki Foster", achabatanidza vadyi wemari kubhengi "Growth" muna June 2013, izvo panguva iyoyo zvakanga mvumo guta iri uwandu bhiriyoni 2.375 rubles uye mabhiriyoni 30 rubles kuti midziyo. Chiitiko ichi wava zvikuru muupenyu zvemari munyika - yakaumbwa chaizvoizvo simba, rakakura uye kugadzikana zvikwereti masangano ane bazi nomumbure paupamhi uye anoyevedza zvemari unongotaura.

Bank nhasi

Credit sangano "Bank Growth" unoshanda pasi vakawanda rezinesi pakati Bank of Russia yose munharaunda yacho ine nzvimbo yacho musoro hofisi muMoscow. Its nevamwe chinhu ari musoro kuchinja nzira chokuita basa chete upfumi chaihwo uye kwainyanya mari yave uye anoramba ari chikwereti emakambani ari nemauto, uyewo mabasa. With zvichangobva kwemapazi guru uye yesangano iri Bank yakawedzera kwayo mari mikana uye kupa zvikwereti. Maererano mashoko maererano chikwereti sangano rayo guru mutengo ndiyo nezvinodiwa vatengi, uye ukama vose kwakavakirwa pamwe kwenguva refu. A chinokosha zvinobatsira, uye ndicho kuzvikudza rakavimbika, rikaratidzwa kwemakore.

The chikuru munhu anoyamurika yacho kubhangi iye anomira Elena Vlasova (kumashure muna 2012 anowanikwa unorema kubva anogoverana ose "Kazan"), iyo muridzi anenge 50,5% of mugove. Vamwe chimwe chinenge mumaoko mamwe shareholders mana - Anatoliya Zolotyh uye Valentina Aleksashin (vanenge 16.6%), Elena Tarasova uye Elena Kossovo (8% neimwe). President of bhangi riri Vanya Henkin, uye sachigaro revatungamiriri vatungamiri - Vsevolod Morozov.

"Kukura Bank" vanochengetedza dzomupepanhau ukama makuru Russian ( "Rosbank", "Uralsib") uye dzimwe nyika (Commerzbank, Dautsche Bank, VTB Bank, uye vamwe.) Credit masangano. Ndiye nhengo Association of Banks yeRussia, Moscow dzakawanda masangano dzibvise munyaya vanotengesa vatorwa mukutsinhana pawaitengesa ZAO "MICEX Stock Exchange" uye OAO "Moscow Exchange".

Chinzvimbo uye kubhengi wacho ratings

Today JSC "Kukura Bank" riri TOP-100 pakukura Russian chikwereti nemasangano. Ichi chinhu chakakosha kwazvo kusimbisa kuvimbika uchapupu kubhangi kuti vanokwanisa zvidikanwi vatengi ayo 'ari emari uye zvikwereti mabasa. Napavakapinda napo sangano pazvinhu izvi nokuda zvinotaurwa zvayo mazuva ose basa:

• zvakarurama kuchinja mubhizimisi uye neanokweretesa mitemo;
• kushanda zvikurukuru upfumi chaihwo;
• Tikafunga nomumwe yokusvika utsanzi mu vatengi;
• Kuwanikwa bhangi zvinhu uye mabasa;
• kubudirana pachena kune vamwe uye vatengi;
• nomazvo njodzi kupima.

Nhasi, tinogona kuchengeta imwe yakakwana chikwereti Portfolio pamwe hwakanaka, izvo nokuda zvaidiwa inokosha nenheyo izvi yakaumbwa mumakore chokuvapo kwayo, "Bank Zvokuwedzera." Credit Rating basa nazvo inoshandiswa "Expert RA" muna 2014, kwave upgraded kuti "A +" (mukuru kwazvo) kuti "kuva" maonero. Maererano Standard & murombo nokufungidzira kubhangi akagamuchira refu chikwereti Rating kuti "B-" uye pfupi-rokuti "C" ne "kugadzikana" kushurudzira. Both masangano akaratidza pamusoro kunaka mbiri Portfolio ari sangano chokwadi, tichifunga izvozvo zvikuru zvakakwana. Izvi zvinopa chikonzero chokudavira kuti sangano akatsiga uye kuvimba mari yake sezvinobvira. Vakawanda zvipo kana zvikwereti kuti ari KO mapazi "Kukura Bank". Reviews Nyanzvi kufungidzira vachiwana uye zvakarongeka Kugadzirwa sangano uye nokusimbaradza zvinzvimbo mari mabasa pamusika.

Sezvineiwo, bhengi rine nzvimbo yaro ngaikudzwe kumatunhu. Saka, davi nesangano "Bank Zvokuwedzera" (Rostov-on-Don) yakahwina nzvimbo yokutanga muna makwikwi inoitwa parutivi Vimbiso Fund pamusoro Rostov nharaunda. Iye rakaitirwa August 2013 uye yave chokuita nourongwa Fund inopikira pamusoro zvikwereti zviduku uye svikiro kadikidiki bhizimisi. Zvinofungidzirwa mubereko rates, mashoko uye rakavimbika masangano pachavo. The vakunda chibvumirano iri mari rubles mamiriyoni 20, iyo vakagamuchira "Bank Growth" (Rostov-on-Don) kuti anokweretesa nemauto chaiye.

Bank Services

Kufanana dzakawanda mbiri masangano, kuti Bank anopa vatengi ayo yakazara siyana neezvitendero mabasa zvemari. Anogamuchira "Bank Zvokuwedzera" deposits, anopa zvikwereti kumakambani uye ezvokutengeserana nemakasitoma, diki uye svikiro mabhizimisi, inopa mari zvakanaka uye muchitokisi mabasa, anopa inopikira, tichishanda tsamba zvikwereti, achitungamirira muhoro nezvimwe zvirongwa. dzavo mazita yakazara rakanyatsojeka rwakafara. Vamwe vavo ushande nharaunda yose nyika yedu yakakura, zvimwe mabasa chaiwo anopiwa chete "Kukura Bank" -Moscow (semuenzaniso, chokuita interbank anomukweretesa).

Most kunakidza ndivo yakakura nhamba ezvinhu chavagari deposits uye neanokweretesa mikana. Zviri kwavari isu kugara.

Mipiro: mhando uye mamiriro

Simplicity uye kurerukirwa - zvakakosha zvinodiwa zvose nokuda zvigadzirwa, izvo zvinobayirwa sezvinoreva "Bank Zvokuwedzera." Mipiro - uchapupu ichi. The chikwereti sangano, pane mhando mbiri chikuru oupfumi kuti private vatengi. It chepiri "vakasununguka kukura" uye "kunonyanyisa kukura." Ngatikurukurei zvinhu neimwe.

vakasununguka

Wokutanga rudzi chikwama "inoramba" rake kufarira. Zvinorevei? dhipoziti iyi akasvinudzwa pamusoro kudiwa, uye kushaya hazvirevi kukanganisa chimbadzo. Kuti dzifambirane nhoroondo, uyewo kuita withdrawals, pane imwe nguva. Shoma vakasara ndee (10 zviuru) uye mubereko - matunhu zvakakwana ndokuchiisa pamwe ezvinhu akadaro. The kunonyanyisa Huwandu ichi zvazvingava - mamiriyoni 30 rubles, kana miriyoni remadhora (iyo haiiti mukana makasitoma). Deposit izwi - kubva mitatu gore rimwe chete nezvechisarudzo kuzomutsidzirazve kondirakiti. Percentage - ihama uye akatsunga zvichienderana izwi uye uwandu pasi mubhadharo (kukwira 9.2%).

pamusoro-soro

Kana musingadi kuronga kutora mari munguva izwi iri okubhengi, zvingava zvakanaka kushandisa mupiro "kufadza kukura." Maererano mutero kubhengi anopa yakanakisisa mubereko prices kuti capitalization yavo. Uyezve, pane mamiriro ezvinhu akanaka ari mangwanani kugumiswa kondirakiti. Kufanana yapfuura, mupiro ichi anogonawo vachizadzisa panguva ukoshi nguva. Asi kufarira kwavo kusvika 10.5% muna rubles uye 4.5% dzimwe mari. Panewo nouchapupu kusiyana mari uye nguva. Saka, mupiro shoma rezasi pa 3000 rubles, uye mupiro nguva iri yaibva mwedzi mumwe makore matatu.

Nzvimbo ine batsira karukureta pamahombekombe, apo munhu wose anogona kuverenga chikamu ari rubatso, zvichienderana vakaronga mari uye izwi. Mukuwedzera, bhengi racho depositors anopiwa mikana nomumwe uye kukoshesa basa. Wokutanga inopiwa bhizimisi Verengai mamiriyoni 4,5 rubles uye rinosanganisira Mamiriro ezvinhu kuti rwezvemabhengi basa, somunhu maneja, VIP nemahofisi uye zvichingodaro. Chechipiri - kana mupiro mukati uwandu mamiriyoni 1,5 rubles. Muzviitiko zvacho zvose, kuti nemhosva awana zvizhinji zvakanakisa zvakanakira.

Zvikwereti: mari

Private nemakasitoma "Bank Growth" inopa zvikwereti guru chaizvo Nemutengo - kusvika rubles mamiriyoni maviri. Zvikonzero kuti ape zvikwereti ari pano inoumbwa vashandi zvesangano uye kungaratidzwa pamashoko mana:

• akatendeseka - hapana chakavigwa mari;
• kunobatsira - yakaderera chaizvo mubereko prices;
• nokukurumidza - akumbirwa chisarudzo achabatwa mukati memazuva maviri;
• chete - pasuru magwaro wakachengetwa kushoma (waida chete pasipoti).

On chii zvinhu vangatarisira zvinogona anokwereta yacho kubhangi? Sezvataurwa pamusoro apa, kufadza chikwereti yakawandisa rubles mamiriyoni maviri, shoma - 30 zviuru. mari iyi inogona kutorwa kusvika makore mashanu (kana mari uye mwedzi mitanhatu). Zvinokwanisika mangwanani mutsividzo pasina kurambidzwa. The dzinonakidza kupfuura - the kubva muzana. Rinogona kuiswa pamwero 17%, izvo zviri kuvatumwa kuti zvakafanana zvigadzirwa mune mamwe mabhanga mazhinji. Pagore Negore kubhadhara, uye musi Implementation yaunosarudza pachako.

With okuti kunzwisisa. Zvino tinofanira kunzwisisa sei kubhangi anoona anokwereta kwayo. mureza zvinodiwa - zera 20 kusvika 65 makore, Kuwanikwa basa zvakaitika kanenge mitatu, zvinganaka declarative uchapupu mari (izvozvo anowedzera mikana chikwereti tendero uye kuwana mukuru chitsama chikwereti).

Auto Loans

An kwokutanga shanduro mbiri vaya vanoronga kushandisa mari pachako kana imba zvinangwa, akadai kuti rwendo kugungwa kana kugadzira. Kana kurota kwenyu ndiko hachizi motokari itsva, zvakanakisisa kushandisa rinokosha chigadzirwa. The motokari chikwereti anokwezva, yakashongedzwa mu "Kukura Bank"? Reviews vazvo motokari, kushandisa basa iri, tsanangura yakajeka chaizvo zvembuva kwayo. Chekutanga, ichi ndicho shoma pasuru magwaro (zvinodiwa chete pasipoti uye kushanda chimiro) uye mukana kuti kushanda pasina rokuenda kubhengi. Chechipiri, shoma-mubereko - kubva 8.9% tisina dzimwe mari. Huwandu icho ungatarisira kusvika mamiriyoni 10 rubles, uye izwi chinoshanda makore 7! Muchiitiko chino, pokukurukura chikumbiro runogara anopfuura maviri maawa, kunyange zvakawanda pedyo kuchiva kutenga anokwereta.

Kuti kubatsirwa chikwereti, unofanira kuronga inishuwarenzi pauzima (mu muzvikwata zvitatu), vane Russian nekodzero, uye kusvikira nemakore 55. Nokuti chigadzirwa ichi inogona kutengwa yezvokutengeserana motokari uye chinokosha michina.

inokwanisika mortgages

Nhasi, pane zvakawanda zvinonakidza zvirongwa kutenga dzimba, iyo inopa munhu "Kukura kubhengi." Mortgage, yakashongedzwa mu mbiri kupfungwa, zvinotevera nzira:

• kurerukirwa;
• Accessibility;
• nyore.

Anokwereta vanoronga kutenga imwe mufurati chikwereti kungava kuzoshanda mwero 8.5% pa annum. At dzimba chete muzvivako zvitsva akapa 100% yakavamba kuita pasi muripo. Zvazvakadaro, akabvumira kushandisa maternity guru. In "Kukura Bank" anokwereta vanokokwa kubatanidzwa mupurogiramu wehurumende rutsigiro, pakati pavo - "Vatsvakurudzi Young", "Military Mortgage" uye vamwe. Zvinogonekawo kuti kutora chikwereti AHML zvirongwa. kutengeserana Chero kana nemhosva achida kuti pamwe toga chikwereti maneja a.

Kushandisa chaiyo karukureta pamusoro Website yacho kubhangi, zviri nyore kuti kuverenga mberi yera mari chokuita chikwereti kubudiswa, uyewo kudzidza anofungidzirwa pamwedzi kubhadhara zvichienderana izwi uye huwandu chikwereti. Somuenzaniso, chikwereti chimwe chezvinhu dzakakurumbira zvirongwa - "Resellers". Kana bindu nomutengo mamiriyoni 4 rubles, uye kwokutanga kubhadhara 30% uwandu vakakwereta mari wakabura mamiriyoni 2,8 rubles. We kupinda karukureta yacho data, uyewo mwedzi chakakomba mhuri mari - somuenzaniso, 80 zviuru rubles. Kana kuronga chikwereti kwemakore 20, mwero achava 13.35%, uye rendi - 33.5 zviuru. Kana tikashandisa mune iyi, hurumende chirongwa AHML, chikwereti chimbadzo kuchaita kuderera kusvikira 11,85%, uye muripo ipfupi kusvika 30 500. Changing yepakutanga data, unogona kusarudza kuti pachavo kupfuura zvakakodzera chikwereti mazwi.

Makadhi: Features

Iyo bhangi zvino chaanovapa pamwe epurasitiki makadhi? Kunenge kuti izvozvo iripo. "The kukura Bank 'anewo yayo zvinonakidza kuitika chidimbu ichi. Makadhi Debit vari akapa, nokuda kuchinja mutemo kubhengi. Zvisinei, vane zvimwe zvinonakidza zvaizomunakira. Saka, pakuenzanisa mari pamusoro kadhi uchava -bereka mubereko pamwero wenyika 2-4% pamwedzi. Kumubhadhara kunogona zvinenge pose munyika, uye kutendeuka mari kunze zvikuru kunobatsira nzira - panguva mwero muripo hurongwa.

Cards anowanikwa muzvikwata zvakasiyana - kubva Erekitironi chinenge munhu Platinum uye magumo, tiri dzemhando yepamusoro, asi mikana yokuti discounts pamusoro Car Rentals uye hotera Reservations (mu yechinangwa rinokosha ezvinhu ropafadzo). Achibatsirwa pavo unogona vatenge paIndaneti, kubhadhara Mobile ndokuinama kukurukurirana mabasa, Internet basa rubatsiro, terevhizheni uye zvichingodaro. Credit sangano "Kukura Bank" ATMs ane pamberi mumaguta ose. Uyezve, kuti mubve mari kubva "zvaunoda" Commission (0,8%) zvinogoneka kuburikidza AVM kubhengi "UralSib".

Inobatsira mashoko makasitoma

To musi, "The kukura Bank" rine mapazi mumaguta 74 Russia, asi anoramba achishingaira uvake richikurukura matavi uye mahofisi kumatunhu. Wana zano nyanzvi uye achava nemhosva kwemutongo sangano iri Russian mugari anogara chero munharaunda.

Kuti uwane mamwe mashoko akawanda pamusoro bhengi racho zvigadzirwa, services ayo uye mabasa zvemari, kune sangano "Kukura Bank 'pamutemo Website, riri www.rostbank.ru. Anouya nenzira dzakanaka, panguva magadzirirwo asiwo yakasiyana zviwanikwa mamwe chikwereti masangano. Pano unogona kuwana ruzivo pamusoro kubhengi: ruzivo nezvenhoroondo yacho pakagadzwa uye mashandiro, ona ratings wamasangano siyana, mashoko zvemari, dzidza pamusoro mubhengi racho zvigadzirwa uye zvinhu zvembuva yavo, kushandiswa macalculator deposits uye zvikwereti, uye kuwana mamwe mashoko pamusoro JSC "Bank Growth "(pachake data, neshamwari, vamwe, uye zvichingodaro.). Uyewo pane nzvimbo kadhi sangano iri pamusoro rworuboshwe pakona pane kubatana kuna Internet Bank ( "Kiberbank"), kuburikidza paunogona danda kuti kwako nhoroondo kuongorora nhoroondo kana kuti chero kwema zvemari.

Nokuti kushanda kutaurirana ne vanachiremba KO "Kukura Bank" nhamba dzefoni rinowanikwa nzvimbo dzepamusorosoro pakudya pamusoro yacho. Hotline mahara zvinoda - 8 (800) 250-88-88, nokuti pamwe uye inopa iripo Email - post@rostbank.ru. City nzvimbo huru kuhofisi kambani "Growth Bank" - Moscow. All vari Moscow dunhu vaiva gumi - mumwe nechepakati uye gumi zvakawanda. Musi Website kuti "The kukura Bank 'hofisi kero zvekwaunogara zvinogona kuwanikwa kuenda pamusoro kurudyi kukona nhengo munharaunda uye kuzarura Tab" Contact ". Pano unogona kuwana vemo uwandu kubhengi yebazi. Hofisi nechepakati iri muMoscow musi Stanislavsky Street 4/1.

Tichitarisa kubva kunze vatengi

Chokwadi, bhengi nomumwe ane nemakasitoma tionge zvose uye kusagutsikana pane nokusingaperi. Panguva iyoyo, vanhu kureva kuti KO "Kukura Bank" iri 50,4% kubva 100%. Zvechokwadi ichi hachisi yakanakisisa chinoratidza, asiwo zvakanaka. Pachishandiswa wongororo 28 uye ratings 13 kubhengi nhasi iri rakava yechi17 kubva 225 (zvichienderana banki.ru nzvimbo)! Ichi yakanaka mamiriro ezvinhu uye anotaura inobudirira chaizvo kushanda kwemutongo kupfungwa, ngaiteerere basa nyanzvi uye mukuru pamwero basa.

To anenge fungidzira pane kugutsikana, uye kuti bhanga wacho vatengi vakanyunyuta ona zvimwe wongororo vasara navo. Mumaguta akawanda (Kazan, Vladimir, Nizhny Novgorod nevamwe.) Visitors kucherechedza mumhepo inofadza mumba, dzakateerera basa uye kufarira kugadzirisa zvinetso nyanzvi. Asi mumwe mutengi KO "Bank Growth" (Rostov-on-Don), kushandisa kuti mupiro pano, akati kuti mamiriro ezvinhu kuti deposits vari pakati vakanakisisa muguta, vashandi vanokwanisa uye netsika chaizvo, zvakanaka hofisi. The chete drawback, unounza kuzvuzvungudza kuti vatengi - mune davi rimwe chete, uye vose zvavo, vose pamahombekombe wakafanana. With maonero ichi vanobvumirana uye dzimwe nemakasitoma yacho kubhangi, uyo akaona chinokwezva mubereko prices pamusoro zvikwereti. Asi mugari St. Petersburg, akaramba depositor KO "Bank Growth" (St. Petersburg), mwoyo kushaya pamwe nekurutsa, kusafanana nedzimwe mapazi chikwereti masangano. It pave kunobatsirawo, uye zvinobatsira chaizvo nomudonzvo (cheya ubayire hwomutambarakede vanokurukura, tsanangura zvose zvose uye nomwoyo murefu, akazaruka chiyamuro nokukurumidza, uye kunyange chipo chinhu).

Chokwadi pane kunaka wongororo. Vamwe vavo dzinosanganisira kushandiswa ATMs rwaikurumidza kuuya updating ruzivo pamusoro Website (izvo dzimwe nguva kunoita kuti kusingafadzi rokuvhundusa), hwokugadzira matambudziko uye malevolence revashandi nomumwe. Kazhinji, pane zvakawanda kunatsiridzwa, uye zvimwe zvikanganiso basa anofanira kubviswa, asi ruzhinji mubhengi rinofanira kurumbidzwa. Chinhu chikuru zvino - kubata pasi ravo yakakwirira yakati sandara uye edza kuti avasimbise.

mhedziso

Nhasi tiri vanoziva zvishoma kuzivikanwa muna rakafara yeChina kwemutongo sangano "Kukura Bank". Reviews vake nemakasitoma vanokodzera kuteerera kwavari uye kushandisa kubhengi wacho mabasa. Its chikuru zvakwakanakira vari mwero kuchinja mutemo pamusoro zvikwereti uye simbisa kugutsikana pamwe kunonyanyisa vabatsirwe nokuda vatengi vavo 'zvido. Vakawanda vevaya vakashandisa basa kubhangi, vanoti runako yakanaka chikwereti mamiriro uye yakakwirira prices pamusoro deposits. Uyezve, kazhinji mutengi inofambiswa anoti mudonzvo "Bank Growth" sechinhu nomazvo uye tsika nyanzvi, uye chaizvoizvo ndivo chiso upi sangano. Wakakodzera hapana Rumhangapanga mubasa rayo, asi Bank akagadza pacharo sezvo akavimbika uye akatsiga zvikwereti sangano, izvo ndinoda kushanda kwenguva refu. Zviya, "The kukura Bank" kushanda asingadi zivisai pacharo, uye yakanakisisa yokuwana mashoko pamusoro zviri nemuromo.