Map "Ubwino", "Home Mawu": zinthu, mabonasi ndi ndemanga

Pofuna kukopa makasitomala, mabanki ambiri ntchito zosiyanasiyana mapulogalamu bonasi. Iwo amalola osati ndalama, komanso kuti aliyense kugula mabonasi zina ndi mfundo. Ndipo, ndithudi, iwo akhoza ntchito pa kugula mankhwala misonkhano watsopano pa kuchotsera a. Mmodzi mwa mankhwala amenewa ndi banki ndalama zolipirira khadi "Ubwino". "Home Mawu Bank" waipereka kwa makasitomala awo onse. Kodi mtundu wa ngongole? Ndipo kodi mbali yake?

General zokhudza pulogalamu bonasi banki a

Malinga ndi malamulo a pulogalamu kukhulupirika ya gombe, pamene yogula osiyana mu gulu la masitolo kasitomala mukhoza kutenga anthu ena a chipukuta misozi. Monga ulamuliro, ndi amodzi ndi zimatengera mtundu wa mankhwala kubanki. Mwachitsanzo, ngati ndinu mwiniwake wa "Gold" makadi gulu kapena "mfundo" ( "zotchipa Gold", "Chathu Cashback Khadi", "Khadi Cashback Standard»), ndiyeno ntchito iwo mudzapeza bonasi mu osiyanasiyana 1-3% ya kugula ndalama. Komanso, khadi "Ubwino" ( "Home Mawu") "Platinum-gawo" azapatsa ndi kupatsidwa chipukuta misozi osiyanasiyana 1.5-5%.

Map amaoneka ngati "zabwino"?

Khadi chikugwirizana ndi pulogalamu "amapindula", monga ulamuliro, ali lolingana themed kamangidwe. Mwachitsanzo, ena a iwo inu mukhoza kuwona ngati lipenga, nyanga kapena lipenga ndi amangomvera kaso woyengeka dongosolo zosiyanasiyana ndipo inkakhala yokutidwa ndi miyala yamtengo wapatali. Ngakhale makadi ena ndi woyera, ndipo ena - wakuda maziko.

Amene akhoza kutengapo mbali mu pulogalamuyi?

Kodi nawo konse aliyense mu pulogalamuyi. Malinga ndi zikhalidwe banki ndi kugwirizana okha ndi makasitomala alipo angathe zotsatsa zapadera ku "Home Loan". Mu ndondomeko imeneyi ndi phukusi la ntchito zoterezi ingathe mu dongosolo la rubles 990 kwa 5000 pa chaka (malingana ndi mtundu wa mapu lotseguka).

Malinga akuluakulu a bungwe ngongole, ndalama zimenezi zimaphatikizapo osati makadi zofunika kukonza koma accrual, mawerengedwe ndi Kulipira mfundo udachita ndi makasitomala pa mwambowu. Zonsezi kumakupatsani mapu "zabwino" ( "Home Mawu").

Mokoma kalembera, mbali mu pulogalamuyo

Choyamba kulumikiza msonkhanowu n'chotheka pa mapeto a pangano ngongole, monga kamangidwe ka ogula ngongole kapena ngongole. Komanso, kasitomala banki, nawo mapulogalamu ena kosamalira ndalama mwina eni ndi ndikukhumba kugonjera ofunsira nawo pulogalamu kukhulupirika.

Pakuti zonse obslzhivanie banki mu dongosolo chaka amatenga ndalama (malinga ndi tariffs panopa makadi a zigawo zosiyana). Pa nthawi yomweyo, ngati pa mapeto a nthawi ino, kasitomala sakufuna kuti mupewe pulogalamu, malipiro a miyezi 12 kulipira basi. Komanso, aliyense kasitomala ali ndi ufulu kukana utumiki, koma pasanafike 14 masiku kuchokera tsiku la utumiki kutsegula. Apa ndi pulogalamu "Pindulani" ndiponso zochita. "Home Mawu" disconnects ku mbali mu dongosolo kwaulere. Koma kachiwiri izo agwirizane kale zosatheka.

Kodi makhadi akhoza chikalata pansi pulogalamu?

Panopa pansi mapulogalamu alipo kukhulupirika akhoza chikalata makadi zotsatirazi:

• "Zotchipa Gold»;
• "Zotchipa Platinum».

Mwachitsanzo, ngati tcheru chanu ankawakonda "golide" ngongole "Ubwino" ( "Home Mawu" ndi zokopa kulipira katundu ndi ntchito pa 34,9% pa annum), mudzakhala ndi Kukhazikika mukukonzeratu ngongole mzere wa ku 300 000 rubles, ndi nthawi ya chisomo - 51 tsiku. Map "Platinum" tikhoza kulipira ngongole awo mwa 29,9% pa annum. Pankhani ya withdrawals ndalama kwa "Gold" ndi "Platinum" khadi ali ndi chiwongola dzanja limodzi - 49,9% Apr.

Zingati bonasi mukhoza kupeza?

Mogwirizana ndi malamulo a pulogalamu Bank, kupanga makhadi aliwonse kugula "amapindula" (m'dzikoli ndi kunja), mukhoza kupeza osachepera 1% ya ndalama anakhala ndi mmodzi. Ndipo mu mwezi kasitomala amaloledwa kusonkhanitsa pazipita mfundo 2000. mabonasi onse analandira pa malire ndi zimafika zotsatira. M'tsogolo, pazipita kuchuluka kwa bonasi ndi kuchuluka kwa 7500.

Kugula chilichonse mukhoza kupeza mfundo?

Kukhulupirika pulogalamu yakuti "Ubwino" ( "Home Mawu" amapereka mwayi kulumikiza kuti obwera zonse) amapereka ulemu ndi kuthera ndalama ndi makadi kasitomala kulipira katundu ndi ntchito.

Tiyerekeze ntchito Khadi Gold, kupereka chitsanzo cha ndalama zochokera mabonasi analandira. Choncho n'zotheka amathera maola 7500 rubles zosiyanasiyana za zamaulendo ndi maulendo, 4,000 rubles kulipira mafuta ndi galimoto wosambitsa, 5,000 rubles mudzazilipira ankapita ku malo odyera ndi omwera, 15 000 ndalama kugula pa sitolo online, pafupifupi 18 500 rubles kutenga chakudya ndi zinthu zina za mowa tsiku. Chifukwa cha ndalama mwezi ngati inu kutsindikiza kupeza 5.180 bonasi, ndipo m'chaka - 62 160. Choncho, dziwani kuti 1 Mfundo ndi wofanana 1 ruble.

Koma pamene kuchuluka ofanana ndalama, koma ntchito zina khadi "Ubwino" ( "Home Mawu Bank" kumaonjezera kuchuluka kwa malipiro a ogwirizira a umafunika pulasitiki) pamwezi malipiro mabonasi kuchuluka kwa 5603 ndipo m'chaka - mfundo 67 236.

Monga mukuonera, malipilo zimatengera osati kuchuluka kwa zogula, komanso mtundu wa mankhwala ngongole mwasankha.

Kodi ndingafike umafuna zambiri?

Kuwonjezera pa mabonasi mwalamulo anakhazikitsa mukhoza kupeza kuti ntchito kugula chilichonse m'masitolo pafupifupi ndi yosasuntha, kuphatikizapo ophunzira ena ndi zoweta pulogalamu "Ubwino" ( "Home Mawu Bank" ali anapezerapo utumiki uwu m'chaka cha 2013) mukhoza kupeza mfundo zina. Kodi iwo akhoza okha atacita kugula kuchokera ampangira kosamalira ngongole. Monga ulamuliro, ena a iwo kutchulidwa pansi pa tsamba pa boma pulogalamu webusaiti homecredit.ru.

Pakuti mayiko anawonjezera, iwo zosankhidwa m'magulu awa:

• Zipangizo zoyendera magetsi Home poonekera.
• mankhwala ana.
• Zosangalatsa Entertainment.
• Other.
• Amapereka.
• Books.
• Mipando.
• Zovala, nsapato ndi Chalk.
• Mafuta kosetika.
• Mphatso ndi zosangalatsa.
• Chakudya.
• Sport ndi zokopa alendo.

Prietom chilichonse gulu musankhe, Mulimonsemo, mukuyembekezera mfundo zina. "Ubwino" ( "Home Mawu") - ndi ngongole kuti amalola kuti zoperewerazo gawo la ndalama ntchito pa kugula. Mwachitsanzo, chifukwa kugula katundu ana a olimba wina, iwe kuphatikiza 7% ya bonasi, wanchito, kampani ina adzakuweruza 5%, ndi wachitatu - 10%.

Komanso, magombe okha zibwenzi zambiri kuchititsa magawo zina kulola, kuwonjezera mfundo zowonjezera ku "Home Mawu 'ndi wina kuchotsera sitolo ndi 10-20%.

Map "Ubwino" ( "Home Mawu"): zokwaniritsa

Onani mapu, "Ubwino" nzika Russian zaka zapakati pa zaka 21 ndi 64. Iwo ayenera kugwira ntchito, ndi umboni mpaka kalekale m'derali, kutsegula makhadi. chitsanzo chawo mu malo otsiriza ntchito sayenera zosakwana miyezi itatu. Nawonso ankayembekezera kuti pamaso pa mafoni atathana ndi mafoni.

Ikani kuti kalembera wa khadi "zabwino" ( "Home Mawu" amapereka ake onse kwa mphindi 10-15) mu nthambi iliyonse ya bungwe ngongole. Komanso, aliyense tingalandire kulembetsa Intaneti. Komabe, mu nkhani iyi, muli kukaonana ndi kulongosola zina zambiri pa foni. Zolembedwa kuti kalembera wa khadi, muyenera kokha pasipoti.

Zimene zinatchulidwa mu ntchito kwa kulembetsa mu dongosolo?

Pamene kugonjera ntchito Intaneti khadi "ubwino" muyenera mwachindunji mfundo zotsatirazi m'menemo:

• dzina lonse;
• chiwerengero ndi chaka chobadwa;
• pansi;
• imelo adilesi;
• mafoni nambala ya foni;
• mndandanda ndipo chiwerengero pasipoti;
• chifukwa mu maukonde chikhalidwe (ngati alipo).

Kenako adzalandira yekha mfundo malamulo processing ndi zolembera anamaliza chikalata.

Control ndi chomasuka kukhazikitsa ntchito pulogalamu

Pakuti mayiko anu, monga zinalonjezedwa "Home Mawu Bank" mabonasi pa mapu "amapindula" akhoza kuyang'aniridwa ndi kulamulira pogwiritsa ntchito nkhani zaumwini. Kuti zimenezi zitheke, Komabe, choyamba tiyenera kugwirizana intaneti banki utumiki, kenako kudutsa njira yosavuta kulembetsa. Kupita nkhaniyi, mutha kuchita zotsatirazi:

• kulamulira nkhani zonse zokhudza ndalama anapanga ndipo anatumizidwa ku nkhani;
• kuchita kutumiza ndalama;
• kulipira makadi, kugula katundu masitolo Intaneti;
• kulipira ngongole ngongole ya;
• kuyan'ana oyamba yake ya kuvomerezedwa malipiro a pamwezi ngongole ndi.

Nsonga ophunzira pulogalamu

Mwa kuchuluka yaikulu mfundo zofunika zokhudza mwambowu "Pindulani", ife apeza mfundo zingapo zofunika ndi chidwi. Choyamba, kuyankha mafunso zotheka zokhudza kusaka kwa nthambi yapafupi kulumikiza msonkhanowu banki, mukhoza kuyitana hotline 8 (800) 700-10-29. Kachiwiri, m'pofunika kuti azisinthanitsa mfundo anapeza pa chaka. Apo ayi, iwo sadzakhala idzachitika kwa nyengo yotsatira, ndi chabe zimafika.

Kachitatu, pamene nyengo ya chisomo ndi pakalibe ngongole pa ngongole inu musati mupereke chidwi. Ngati nthawi yaitali wadutsa nthawi chisomo, ndipo mulibe nthawi ngongoleyo, gombe adzakhala mupereke chidwi kofunika, ndi lonse siteji-free utumiki. Ndipo, potsiriza, kutenga mbali mu pulogalamuyi kukhulupirika, kasitomala ali ndi ufulu wonse ntchito mopanda malire ndalama ngongole kubanki.

Mungapezeko ndalama movutikira mabonasi?

Muzicheza anapeza mfundo angagwiritse ntchito nkhani munthu mu banki intaneti. Kuti tichite zimenezi, chabe kulowa lolowera achinsinsi yoyenera, kulowa, sankhani tsamba "Ubwino" ndipo kulabadira kwa mndandanda wa katundu amene angagwiritsidwe ntchito. Pankhaniyi, inu adzatha pang'ono kapena kwathunthu kulipira ngongole kugula malipiro. Pankhaniyi, onse kudzadalira chiwerengero cha mfundo anasonkhana. Pambuyo ntchito mabonasi ndi Kulipira awo.

Kodi maganizo akhoza kumva za pulogalamu?

Monga analonjeza "Home Mawu", "Ubwino" (ndemanga za pulogalamuyi angapezeke m'munsimu) - chapadera kukhulupirika utumiki, kupereka obwezeredwa ndi kuuzira kugula latsopano. Koma zimene amanena zimenezi ndi ogwiritsa wokongola pulogalamu?

Mwachitsanzo, ena mwa ophunzira mu pulogalamuyi anenapo kuti amasirira awo. Malinga ndi iwo, kupereka khadi ndi "wabwino" yabwino kwambiri, chifukwa ndalama kwalembedwa mofulumira ndipo pa mlingo chomwecho amatamanda mfundo. Ena M'malo mwake, kugawana zawo zoipa. Malinga iwo zimaonekeratu kuti pamene kuyesera kulipira katundu anapeza mfundo bonasi mu umodzi Intaneti naye kwa pharmacies samamvetsetsa ndi ogulitsa lapansi. Ichi ndi chifukwa chakuti ambiri a iwo adziwe bwinobwino za ntchito ndi ambiri ndipo sadziwa kulemba iwo.

Enanso amati anachitazi mabonasi polojekiti kudzera banki Internet. Malinga ndi iwo, pa nthawi yomweyo mukhoza kuona yekha otsiriza prepay asanu ndi amatamanda ndi mfundo kake. Chifukwa cha zimenezi, iwo anayenera pamanja kufunafuna ndi kusamutsa deta onse kulamulira bwino mu osiyana kupambana-file.

Chachinayi matamando zam'tsogolo hotline, amene anatha kuthetsa mikangano ndi mabonasi gulu.

Mwachidule, khadi "ubwino" - chilengedwe chida. Timatha inu kugula pa sitolo mumaikonda ndi kupeza ena mabonasi owonjezera ndi kuchotsera. Ndipo awombole mfundo kachiwiri anakhala kulipira katundu ndi ntchito. dongosolo si chatsopano, koma ndi zogwirizana ndi mu ankafuna pakati makasitomala mabanki.