The nyasha nguva makadhi

Chero kuzvipira pamusoro kubhengi nhasi rinopa ayo makadhi vatengi chikwereti. Chavainyanya chinhu - mubereko isina nyasha nguva, kana kushandisa mari masangano, kana nyasha-kumwedzi.

Chii, chokwadi, zviri nani?

Grace kumwedzi - imwe nguva panguva iyo akakwereta mari mubhangi inogona kudzokera pasina mubereko. The chikuru nezvevakafa - kuzviita zvizere kusvikira pakuguma vakabvumirana izwi.

Zvinoita sokuti zvachose disadvantageous kuti bhanga webasa - a nguva nyasha. Kutaura zvazviri, nhasi vakawanda basa vanhu. Vanobhadhara mubereko uye Zvirango kuitira kubhangi kuti purofiti.

Musingavayemedzi anokwereta nokuchenjera totarisa "zvayakanakira" uye "nezvayakaipira", richava nyore kushandisa mari kubhangi uye kuita basa ravo mari kwavari (wakati rakapa Somuenzaniso, mupiro yakanaka ndivo).

kukarukureta zvinhu

Vazhinji vatengi rwezvemabhengi mabasa haisi nguva dzose delves kupinda nyaya uye anonzwisisa wegadziriro nguva yenyasha. Kutaura zvazviri, zviri nyore. Nhasi mabhanga nguva Nyasha muzvikamu zviviri. Chokutanga mazuva anenge 30 uye rinobvumira here kuti kwema nechikwereti. Chechipiri, anenge 20-25 mazuva, akaronga kuti mutsividzo yacho chikwereti. Mugumisiro ndechokuti nguva nyasha anogona kugara kusvika mazuva 55 (zvichienderana musi rwokutenga).

anomukweretesa nzira zvaipiwa mabhanga, vaviri chete, kana kubatsira nguva kunotanga kutenga gore kunyoresa, kana musi izvo nemaune pamahombekombe.

Kana tibatsirwe rinotanga kubva musi yakatarwa pamahombekombe

Kana kadhi rine nguva iyi mhando nyasha kazhinji vanotanga tichiverenga nguva kubva pazuva kana mushure activation pamusoro kadhi wokutanga, uye zvinotora avhareji mazuva 30. Uye kwema ose waitsanangura, uye kuguma akataura nguva, dzinofanira kugamuchirwa pamahombekombe nhoroondo.

akabatsirwa iri kuonekwa isina, sezvo Somuenzaniso, kutenga akaita akananga kuguma mwedzi, ane mapfupi rokuti mubereko-isina chikwereti. Asi nhamba muripo mwedzi pashure mwedzi chetezvo. For vatengi, vatengi vaishandisa kazhinji, pfungwa iyi zvikuru yokuita kukarukureta. Zvakakwana kuyeuka mavambo uye kuguma nguva nyasha uye musi pasi pakati rendi. Kazhinji, mabhengi, maererano nezvaiva nguva nenyasha akatuma pamwedzi yemagetsi mashoko kune nemhosva kana SMS-shoko, izvo zvinoratidza uwandu chikwereti uye mashoko zvichiita mubhangi.

Kana tibatsirwe rinotanga kubva nguva yacho kutengeserana

Muchiitiko chino, zvingaita sokuti, zvose zviri nyore. Nguva mubereko isina mutsividzo mari Bank kunotangira kubva musi rwokutenga uye kunotora mazuva 30 paavhareji (zvichienderana chaiwo tsika). Asi kana muridzi kadhi ane nguva nyasha kunoita kutenga duku zhinji, zvingangoita kuti vavhiringika nyore kudzoka mari uye misi.

zvinogona matambudziko

Vanogona kuitika kana nemhosva kanenge kamwe vakakanganwa kubhadhara chikwereti kana kuti kunodiwa rendi. Kufarira iyi, kubhangi kuzvitenga uye zvakasara chikwereti rokuti, uye nyasha. Kubhadhara chikwereti, unogona kushandisa imwe nhatu:

1. Vakabvuma kuti kubhangi uwandu upi bazi kwayo.
2. Isai chero ATM mari tichiregeredza mukweretesi Bank.
3. Ita waya kuchinjirwa chero nyore inouraya.

Pano zvakafanira kufunga caveat. mari chete akaita kuti akadzika kubhengi (wokutanga kuzvipedza), uende nhoroondo musi iwoyo. Kubhadhara dzimwe mabhanga anogona kukwira mabhizimisi mazuva matatu.

Kunyange zvikadaro, zvakadai chimiro achibudisa kadhi sezvo munhu fanira kubhadhara. Izvi muripo pamwedzi achigovera nokuti chibvumirano, uye kazhinji asingadi pfuura 10% of chikwereti uwandu. Achirega kubhadhara izvi, kunyange kana anokwereta inobhadhara kufarira, anotyisidzira Zvirango uye blacklisting.

The yakanakisisa kadhi kubhengi kumwedzi nyasha

Unorema kadhi rinoshanda ino: mumazuva matatu zvatengwa dzavo wekutanga vakakwereta mari, izvo vanoda kudzokera inotevera mazuva makumi maviri. Asi pane Lenders kuti ape mazuva anosvika mazana maviri nyasha. Mamiriro chikuru kuti vanofanira zvinoenderana yeGmail.END_STRONG - rendi. Iye hapana anopfuura 5% of zvachose chikwereti uwandu.

Free zvikwereti kubva 60 kusvika 200 mazuva

Maximum mikana Mastercard kana Visa kadhi Bank "Avangard". It kuwana yeGmail.END_STRONG akazvipinza hapana chikwereti kana kutanga pedyo. The pamwedzi vachibhadharisa pakuchinja kadhi ichi - 10%.

Kana panopera mwedzi wechinomwe kubva pamusi unotevera chakabudiswa havazobvumirwi rwakabhadharwa kuna issuance iri kadhi, kubhangi inobhadhara mubereko ose mazuva 200 nyasha nguva. Panguva iyo mwero achamuka kubva pamwedzi pamwedzi.

Credit muganhu zvichisiyana 10 kusvika 150 zviuru uye renewable.

Haidereri yakanaka kadhi nguva (Bank "Promsvyazbank") a nyasha kwemazuva 145. Ipa chete wokutanga kubhadhara uye regai kushandisa makadhi panguva ino. Free nguva kunotangira kubva mwedzi nyaya yacho kadhi. Naizvozvo, mikana achava mukuru, kana iwe kundoitora pakutanga romwedzi. Credit panogumira "Promsvyazbank" riri 600 zviuru rubles. Vasiri ateerere zvinhu zviri Bank chimbadzo iri 34,9%.

Interesting kare akawana mukurumbira Card "Twins" kubva "Alfa-Bank." Pachena kushandisa mari tsika kunogona kuva mazuva ane zana. Amazing kadhi ine mbiri kushanda mapati. Mumwe - chikwereti, wechipiri - debit. Sezvingatarisirwa, mashoko akasiyana, kusanganisira PIN. The chikwereti muganhu pamusoro "Twins" - kusvika 300 zviuru rubles, uye kufarira, kana uine kubhadhara, - 18,99%.

Curious chikwereti mashoko inopiwa nemabhangi (ane nguva nyasha pamepu mazuva 60) "Uralsib" uye "Rosbank". Last asi nyasha-nguva, izvozvo zvinoita pasina nezvomunhu chero mutakuri mhepo kuti bhuku minamato okufambisa. The chikwereti muganhu zvichisiyana 300 zviuru miriyoni, kuti chimbadzo - 24.9%.

"Uralsib", kunze negore vakasununguka basa rokutanga, yavanopa panguva gasi yemapurisa "Lukoil" discounts.

The nyasha nguva makadhi, "Yar-kubhengi" mureza kunotora mazuva 55. Aine chikamu zviduku (17.5%) inogona rubles kusvika miriyoni imwe.

Chimwe chezvinhu mukurumbira makadhi gamers uye mafeni zvigadzirwa novelties - Kanobu kubhengi "Tinkoff. Credit Systems ". Iye renewable Mari - 700 zviuru rubles. Asi ichi hachisi kukosha. Kuripa pamwe Kanobu panzvimbo, inodzidzisa ane 10% dhisikaundi, sezvo, sezvinei, uye mudiwa muzvitoro mubasa kutengeswa Electronics. Kufarira mhiri nguva nyasha - 23.9. Uye mari withdrawals kubva kadhi iri yakati chipa.

Cash nokuda kadhi? Please!

Sezvatinoziva, makadhi chikwereti hadzina dzaizopiwa cashing. Asi kutamburira yeGmail.END_STRONG mabhanga kuenda zvichemo siyana nokuda issuance mari kubva nemakadhi izvi. Vose nuances nezvaro kondirakiti. Vanofanira vazive pachavo nokungwarira. Heano mamwe acho:

• Basa zvazvingava kungava kupfuura mu "vatorwa" ATM.
• Commission nokuti dzirege pachake mari yayo - uyewo zvakajairika.
• Kana akabatana akabhadhara nezvechisarudzo withdrawals kuti kadhi, asi Commission, zvichida haana, asi nyasha nguva - zvakare.
• Pokugumira withdrawals anogona shoma mazuva kana mwedzi. Hongu, uye iwe unogona mari kubva kumwewo muganhu zvose, uye mune zvimwe zviitiko - chiduku chikamu.

Best panzombe mubve mari kubva debit kadhi

Nhasi vakawanda vatengi kuti bhangi mabasa vakatenga makadhi kuti mari. Asi nokuti makasitoma izvi rakasiyana nemamwe mamiriro akatanga kuonekwa ari debit kadhi. Ngationgororei navo pasi.

Top mabhanga

Mumwe Vatungamiriri mirayiridzo iyi - "Alfa-Bank". Pane mepu wakavhomorwa mumazuva maviri zvinyorwa zviviri. Vaine ano ruzivo zvose, izvo hunovimbisa kuchengeteka uye muwanire kushandisa.

sangano iri nderimwe yakanakisisa paIndaneti rwezvemabhengi ( "Arufa-baya"), free SMS chenjedzo, mumwe cashback yakanaka kutenga, izvo zvinogona kuitwa pasina vachionana, yakati rebei nyasha (mari nenzira, vanobviswa pasina nebasa). The nemumwe mabhanga (vari raanotaura chibvumirano) kuri vakasununguka withdrawals. Mune mamwe mabhanga komisheni achava 1%, asi kwete asingasviki 150 rubles. Credit muganhu - 750 zviuru pamwedzi.

Kwete kure shure uye "Raiffeisen Bank" ne "mari kadhi". It chinoitwa kubva chete gwaro. The chimbadzo ndiyo 34%. Kana ari kuguma chibvumirano kugovera mari mashoko, mwero anodonhedza kusvika 29%. Kuregedzesa mari kubva kadhi pachena kwete chete "Raiffeisen Bank" uye "Rosbank". Mumwe "asi" - pashure cashing Grace painopera uye mubereko pamusoro pazvose.

Debit kadhi "muhoro" ne "Union" yacho kubhangi riripo for free, uye pagore basa kubhadhara hachiverengerwi. Credit muganhu - iri kuwanda 5000 kusvika 300 000 rubles. Zvakakosha kuyeuka kuti nguva nyasha, kubhengi "Union" haripi. On noumhizha mubereko rinowanikwa. It akapa kuti pasipoti, asi chete kana mutengi paChikoro mari chirongwa of Bank wayo zveminda vaipfuura 10 000 muzvirevo mitatu (yakachena). The pamwedzi muripo ndiyo 10% kubva wechikoro uye kufarira, uye achaiswa kwete paya pane yechishanu nhamba.

Cash wakasuduruka pasina makomisheni, asi pazuva - hapana kupfuura 180 000, uye ari mwedzi asina kupfuura 450,000.

"Just kadhi" kubva "CitiBank" - rakasiyana rwezvemabhengi chigadzirwa. Cash anogona kubviswa chero nguva munyika pachena. Panguva wegore Nokuraramisa kubhadhara chiri haana mhosva. Pauwandu hweavo vari muboka pakati - kubva 13.9 kusvika 32.9%. Grace kumwedzi - mazuva 50 - mari kushaya haushandi. Vatengi kuona: kuvandudza kadhi pahofisi kunodyira 750 rubles, uye kuburikidza neindaneti - mahara!

Muhoro "RosEvroBank" chirongwa achibvumira chero kadhi yokubva mari mahara. Ipa chete ubatanidzwe purogiramu iyi. The wegore Mari kadhi kunoenderana ayo Specification. Asi chimbadzo uye zvikwereti muganhu inokurukurwa pamahombekombe nomumwe chimwe nemhosva.

Ko "nemari Bank"

Grace nguva chikwereti sangano ichi - kusvika mazuva 50. Zvisinei, kusiyana kufarira, zvinokosha yokunyatsoongorora pfungwa.

Chinhu chikuru kuti funga: nguva nyasha rinotanga kubva musi pakunamata chikumbiro kuti nyaya kadhi, kwete musi rwokutenga, sapamazuva mabhanga akawanda. pamusi uyu sezvinoratidzwa pamusoro hamvuropu pamwe PIN bumbiro. With hunotanga vakasununguka pyatidesyatidnevka vanoshandisa bhengi mari, makumi maviri iyo vanonzi muripo nguva. In iyi unoda kuti kubhadhara nokuti nhau mwedzi. Saka, zvaunoda mazuva 50 ari:

• iri kushuma mumazuva 30 pakureba, riri kuumbwa pamugumo wenyika Billing gwaro (nayo dzakanyorwa ose kutenga uye yaipedzerwa)
• Billing nguva, huchavapo mazuva 20.

Driving kushandisa kadhi rechikwereti "mari" zvakafanana zvinotevera:

1. Kushandiswa kuti kadhi issuance uye activation.
2. Kushandiswa mari mubhengi racho kwamazuva 30, pasina wakatizve achibva yezvinoreva muganhu.
3. Muchigamuchira mushumo gwaro kuti kutenga.
4. Kudzidza musi kuita muripo uye uwandu.
5. Kuripwa inotevera chikwereti.

Vamwe vanhu vanofunga kuti kana iwe ngavabude mari kubva kadhi, uye pakudzoka nguva, havafaniri kubhadhara mubereko. Uyu ngano. "Sberbank" nguva nyasha inopa chete vasiri mari muripo. Panongotanga mari achapiwa cashed (nokuti achatora basa), mubereko dzakava pamusoro chikwereti zvose. Uye ichi ndicho 24%.

Kana yokukundikana kubhadhara yose mari yaidikanwa kuti borrowings kutakura kufarira panguva chimbadzo, uye nemhosva hakufaniri chete kuti shoma mari. In "Sberbank" vanoumba 5%. Kana zvipo izvi munhoroondo haangavi kuonekwa, maererano chibvumirano, kuchanzwika accrual pakati marangirwo uye chimbadzo kuchaita kubhururuka kusvika 38%.

Post scriptum

Cash kubva kadhi "mari" panorumwe anogona kuva chero yakakunakira nzira kutamira kuburikidza Internet rwezvemabhengi, chinouraya, mobile rwezvemabhengi. Pano chikuru chinhu - kuziva kuti mari zvaitambidzwa inofananidza kuti caffeine Mari zvose nemigumisiro yayo.

Kuderedza mubereko cashing mari anogona kuita kana kubudikidza nechirwere kana paIndaneti kuchinjirwa kune mumwe e-chikwama, uye sezvo kutungamirira debit kadhi. Panyaya iyi, basa achava 1.75%.