Gold Khadi, Sberbank ndemanga. Golden Mawu Khadi ndalama Bank: zokwaniritsa

Iwo kalekale aliyense si chinsinsi chimene mawu yabwino kwambiri pa makhadi operekedwa ndi Sberbank. Gold ngongole ndi chimodzi mwa zinthu kopindulitsa kwambiri ndi kupereka makasitomala mwayi.

zambiri

The Golden Mawu Bank Khadi ndalama malire pa pazipita ngongole malire. Iye 600 zikwi rubles. The chiwongola dzanja pa 23% ya iwo. The utumiki zingati pachaka rubles zikwi zitatu.

Koma Commission, ndi chimodzimodzi monga kwa mitundu ina ya makadi - 3%, koma osachepera 400 rubles. The osachepera pamwezi malipiro a peresenti asanu ngongole zonse. Gold Khadi (ndalama Bank) ali ndemanga zabwino kwambiri kuyambira ntchito yake n'kopindulitsa kwambiri makasitomala.

Pamene ntchito kwa ngongole issuance, izo ziwoneka mwa masiku angapo.

Ndani angathe kupatsidwa khadi ngati ngongole?

Ntchito Gold Khadi ndalama Bank - kumene, ndi zopindulitsa, koma kwa izo, osati aliyense angathere. Kuika yokha khadi amenewa, wobwereka ayenera kukhala zaka zosachepera 21 osati zaka zoposa 65. Komanso, iye anayesetsa kwa chaka chimodzi ndipo osati miyezi yosakwana sikisi pa malo a kuthungo.

Apa, onetsetsani kulabadira mfundo yakuti ngati simulandira malipilo ku Bank ndi ndalama, inu kutsimikiza satifiketi ndalama zawo, ndi ndalama pa ntchito - buku la mbiri ntchito.

Sberbank Gold Khadi Kagwilitsidwe Nchito makasitomala ŵakwenera

Otchedwa siyana mwayi wa makasitomala pa Bank ndalama amaonedwa kukhala mamembala a ntchito malipiro, ogwirizira a makadi wamba madebiti, eni madipoziti, komanso ngati anthu amene kale ena ngongole.

Izi makasitomala, mukhoza bwinobwino tizidalira chakuti maganizo kwa Gold khadi kale Pre-naye. Imeneyi, inu muyenera kutsatira ndi chiphaso, kuti apereke ndi kulandira khadi mu Bank ndalama.

Gold ngongole ali Kuwonjezera wina zabwino - maola chiwongola dzanja la 17,9% pa annum, sipafunika kulipira yokonza pachaka ndi pazipita ngongole mzere. Koma pamaso kupeza khadi akadali kofunika kupeza mwatsatanetsatane mavuto lili Sberbank. Gold ngongole angathetse mavuto ambiri ndi otaya ndalama ndi kufunika kupeza ndalama kugula yaikulu.

Kodi ubwino wa Khadi Gold chiyani?

Pulogalamu panopa kuchotsera kwa ogwirizira a makadi umafunika

A zosiyanasiyana mabonasi kwa eni ake a makadi Gold kalasi akupezeka waukulu osati Sberbank, ndi njira imodzi kapena kachitidwe kena malipiro.

Mwachitsanzo, "Visa" khadi malipiro dongosolo chimathandiza mwiniwake nawo mu "World maudindo" pulogalamu, kugwira ntchito mu 20 chikwi. Mfundo padziko lonse.

Ndalama kugula ntchito zosiyanasiyana khadi Gold Sberbank za eni khadi mwa ophatikidzana pulogalamu osati kutenga kuchotsera wabwino, koma zosiyanasiyana Kuthokoza, mabonasi ndipo zotsatsa zapadera.

Kukhulupirika pulogalamu "Zikomo kwa Sberbank"

mabonasi awa amaitcha kuti eni kale mwachindunji Sberbank (wina bonasi wofanana kuchotsera dola imodzi). Pa miyezi itatu yoyambirira kuchokera kasitomala walembapo kwa mwambowu, chidzankhalira nkhani bonasi 1.5% pa chilichonse kugula. Pambuyo nthawi imeneyi amatha, chiwerengero cha mfundo akutsikira 0.5%.

Emergency ndalama achire ngati khadi atayika kunja

Ngati vuto n'lakuti pamene kasitomala ndi akunja sitingakhoze, chifukwa chirichonse, kupeza ndalama kuchokera khadi lanu (kuba, kusowa kapena kuwonongeka), ndalama kuchuluka kwa madola zikwi zisanu akhoza chikalata kwa mwini wa ngongole ndalama. Pankhaniyi, palibe malipiro sati mlandu.

Ndi ubwino awa angapereke Gold Khadi (Sberbank). Kasitomala ndemanga limasonyeza kuti ntchito m'ndondomeko zotere kwenikweni yabwino kwambiri ndi kopindulitsa.

Zosintha Kodi ena angakhale "golide" ngongole?

Kuwonjezera kuti Bank ndalama amapereka ntchito Gold ngongole, iye wasiya kobrendigovyh mitundu itatu ya makadi: ndege, kwa kulankhula ndi chikondi.

1. Map ndege, mwinamwake kudziwika monga Visa Aeroflot Gold. Timatha chofukizira chake kulandira iliyonse rubles makumi atatu, anakhala ndi khadi, 1.5 miles. Atachita zokhudza pangano loyamba kwambiri pa khadi adakali wapatsidwa analandiridwa bonasi kwa mailosi chikwi. mabonasi izi zikhoza umasinthanitsidwa kuchotsera pa matikiti pa kampani "Aeroflot" kapena kuonjezera gulu la utumiki. Gold Khadi ndalama Bank kuipa mu nkhani iyi, nayenso, ali. Mukalandira khadi ndi kasitomala kobrendom amataya mwayi otengapo pulogalamu bonasi "Zikomo ku Bank ndi ndalama."
2. Mtundu wachiwiri wa khadi, lotchedwa "Kulankhula Mfundo" sichina koma khadi MasterCard Gold MTS. Apa pali dongosolo mofanana mtundu wakale khadi. Pakuti yense rubles makumi atatu accrue wina bonasi mfundo, ndi opaleshoni yoyamba wapatsidwa mfundo 600. mphatso zimenezi zingakhale zabwino timathera mauthenga free, kulankhula mphindi, Intaneti ndi kupitirira.
3. Monga chithandizo, ndiye ali ndi mtundu winawake wa khadi amatchedwa "Ndipatseni moyo» Gold. Apa, aliyense wangwiro kugula 0,3% adzakhala deducted ku thumba la chikondi. Komanso theka la mtengo pachaka yokonza ndi deducted pa ndalama zake.

Nkofunika kukumbukira kuti khadi lililonse, amene Co-moto, ndi pang'ono mtengo kwambiri kuposa masiku. Amalipiritsa pacaka rubles 500 kwambiri, ndipo zikwi zitatu rubles. Ndi drawback wina zosasangalatsa lomwe lili ndi Khadi Gold. Sberbank ndemanga iyi mtundu wa utumiki amalandira osiyana kwambiri. Wina sikusokoneza yokonza mkulu pachaka, ndi munthu samazikonda izo.

Kusiyana makadi "golide" pa "tingachipeze powerenga"

Choyamba, ndi chiwongola dzanja. Malinga ndi "golide" ndi mfundo mapu wina poyerekeza tingachipeze powerenga. chaka chautumiki zimasiyana kwambiri. Malinga yoyamba ya khadi ndi 3-3,5 zikwi rubles, ndipo chachiwiri - rubles 750 okha.

"Gold" ngongole akhoza chikalata yekha kuti borrowers ndi kutsimikiziridwa ndalama mkulu mwezi, kapena makasitomala a banki. Chakale khadi yomweyo alibe ambiri mwayi zimene zilipo kuti ogwirizira a Maphunziro Gold khadi.

Sberbank khadi zinthu Gold ngongole ndi wosiyana kwa chakale. Komano, n'zomveka. Popeza mapu amenewa ali kalasi apamwamba, ndipo ndi apamwamba malire.

Kuti akhoza kupereka mabanki ena?

VTB 24

VTB 24 amapereka kusankha mitundu eyiti "golide" banknotes, kuchokera wosasintha kumaliza co-kuwasindikiza mankhwala. Kukhala ndi ngongole ya gombe, izo zingakhale zothandiza kupita ndi sitima makampani "Transaero" ndi "Yuteyr".

Pankhani zikhalidwe za kalembera, iwo ali pafupifupi osiyana anakhazikitsa Sberbank. Komanso, pafupifupi munthu mlingo wosiyana chidwi. Koma kusiyana ukadali kumeneko.

Mwachitsanzo, ntchito yokonza wapachaka wa makadi VTB 24 ndi rubles zikwi ziwiri kwa chaka choyamba ndipo aliyense wotsatira - zikwi zinayi. Mosiyana ndi mfundo zitatu zokha zikwi ofunika Gold Khadi ndalama Bank. Kuipa apa ndi zoonekeratu.

Bank "Russian Standard"

The "Russian Standard" mzere "golide" ngongole ndi pang'ono ang'onoang'ono ndi mitundu isanu yokha ya makadi. Kulola kuchotsera lalikulu kugula katundu ku m'ndandanda "rasipiberi", kulandira mabonasi pa WebMoney chikwama ndi ntchito zosiyanasiyana zotsatsa zapadera ku mpira wamiyendo UNICS.

Apa tisaiwale kuti chiwongola dzanja pa khadi la kubanki ndi apamwamba kwambiri, pa 29 peresenti ya pazipita. Koma, ngakhale, iwo ali ndi ngongole malire apamwamba ranges ku rubles 750 zikwi miliyoni.

Monga zinthu kapangidwe umboni ndalama si chofunika, monga khadi ndi linapereka mabuku awiri okha.

Alfa-Bank

Alfa-Bank kwa ogula Mabaibulo zisanu ndi chimodzi makadi "golide".

Komanso pa makadi kuti mukhoza kupeza kuchotsera kwambiri, palinso mapulogalamu wapadera kwambiri chifukwa makasitomala. Mwachitsanzo, ngongole ndi dzina lakuti "masiku 100 popanda chiwongoladzanja Gold» amalola chofukizira chake kugwiritsa ntchito ndalama za kubanki mwa malire anakhazikitsa masiku mazana popanda chiwongoladzanja. Ndi zonsezi umenewu yaitali nthawi chisomo akugwira ntchito osati wotuluka si ndalama, komanso withdrawals ndalama.

Mlingo pazipita chidwi pa "golide" ngongole kwa Alfa-Bank 33% ndi osachepera - 18%.

Nthawi chisomo ndi zambiri masiku 60, koma malire pazipita koma zikwi mazana atatu.

M'pofunikanso kuti mamangidwe a "golide" ngongole ikuchitika mwa zikalata ziwiri zokha. Pankhaniyi, umboni wa ndalama Sikuti. Izi zikhoza kutheka ngati mukufuna kuona chiwongola dzanja monga otsika ngati nkotheka.

Pomaliza

Ambiri, ikani khadi golide ngongole ku banki ndalama akhoza kukhala kasitomala aliyense amene adzatha zimatsimikizira ndalama zawo ndiponso ntchito. Koma zinthu zabwino kwambiri zidzakhala chabe chifukwa makasitomala osankhika: mamembala a ntchito malipiro, ndalama ndi amene ali wabwino ngongole mbiri.

The mwayi gulu la makasitomala inu mosavuta kudalira khadi malire pazipita ndi mlingo wotsikitsitsa chidwi, komanso kusowa wathunthu wa yokonza pachaka.

Tikumbukenso kuti a mabanki onse anagonjera kuthandiza ndalama zawo akufunsa yekha Sberbank. Komanso, ngakhale kuti mawu a makadi pang'ono ankhanza, iwo zosavuta ntchito ndi opindulitsa. Pano pali Gold Khadi yosavuta. Sberbank ndemanga za malonda afika zabwino kuposa zoipa, kotero kuti ntchito khadi zimenezi zikupezekabe n'zomveka, ngakhale kukwera mtengo kwa yokonza pachaka.