A kadhi ane mubereko isina nguva: mamiriro mabhanga

Kuwanda nemabhangi ari kukura ose zuva, uye vari vachirwira vatengi. Very nyore bhangi chigadzirwa vari makadhi, uye kusimudzira kwavari, vanochengeta dzakasiyana-siyana pakushambadzira kumusika zvigadziriswe. Kazhinji, Lenders vari kuedza kuwedzera vakasununguka kushandisa mari, iyo inonzi nguva nyasha. Zvichipomerwa panguva ino hazvirevi -bereka mubereko kuti kushandiswa atora "vakakwereta" mari, asi chaizvoizvo? The vaitaura vari kuedza chaizvo, uye dzimwe nguva mubereko isina chikwereti nguva kunogona kusvika mazuva 200. Chii yokuvanda Wandinyengedzerei, uye hunobatsira murume ari mumugwagwa, zvechokwadi?

Sei nguva nyasha

Mashandiro-isina kana concessional anomukweretesa rinoshandiswa kwenguva refu uye anoshanda sezvinotevera:

1. A kadhi ane mubereko isina nguva rakazaruka riri yasarudzwa mubhangi kana tsamba anouya.
2. Rinotanga mumusha macho nguva - iyo iwe kuzvitenga pamepu; uyewo, kubhengi anodzora chitsama mari, uye anogovera nokuti kazhinji mazuva 30. Kazhinji, pakutanga kwenguva ino ndiyo nguva activation mepu (dzimwe nguva pokutangira iri kuvhiyiwa yokutanga kushandisa kadhi).
3. Rinotanga nyasha nguva makadhi, uye anonzi yokubhadhara. Panguva ino, chikwereti vanosungirwa kudzokera ake chikwereti chomutsa vose mari. Kuti tidzivise kubhadhara yechimbadzo chikwereti, chete zvakakwana kudzoka ose vakakwereta mari iri nguva.

Izwi iri mubereko isina kushandiswa Bank mari iri seizvi kubva nyasha uye kugarwa nguva, saka kuti dzinokwana mazuva anenge 50.

Kana uchida kubhadhara mubereko

Muzviitiko apo mari vakakwereta asingadi kubudirira kunyatsopora, kubhangi ucharaira yechimbadzo apedza mari kugarwa kwenguva. Munguva nyasha musi kuita shoma muripo, izvo zvakafanana 5 kusvika 10 muzana yaipedzerwa akakwereta, ndinoiitawo yechimbadzo chikwereti.

Pakupera rokutanga chizvidavirire nguva (mazuva matatu) richatanga makore rechipiri uye tevera. Zvichaita kushanda panguva imwe chete ine Billing nguva. Izvi zvinoreva kuti, panguva yakafanira nokubhadhara chikwereti yapfuura kutenga, zvinokwanisika kuti kushandisa kadhi kuita vatsva.

Specificity Masvomhu

Pakusarudza uwandu dzakava mubereko kunoenderana ya nguva mbiri, muripo nokuenzanisa. Nokuti zvakareruka tsananguro uye kunzwisisa zviri nani kushandisa muenzaniso chaiwo.

muenzaniso

Pakutanga kukarukureta nguva ndiyo nguva apo kadhi rechikwereti ane mubereko isina nguva mubhangi, kana, mune zvimwe zviitiko, ayo activation. Vachifunga kuti kadhi activation Zuva raiva March 1, uye mumwedzi apfuura kadhi yakapera 30 000 rubles, ipapo April 1, kuti ndiye ,. E., shure kwemazuva 30, achava kuguma wokutanga Billing nguva. Bank kupfupikisa migumisiro uye tione sei huru yakati mari pamwedzi kare, uye achapa mutengi ane chiziviso chaiyo chitsama chikwereti. Muchiitiko chino, zvichava 30 000 rubles. Information anogona kupiwa nenzira dzakawanda:

• Via SMS ziviso;
• Internet rwezvemabhengi;
• Dana kudanwa centre kubhengi.

Zvino kwakatevera nguva vachibhadhara. Ngatitii ndiye 20 mukarenda mazuva. Saka, zvinoita sokuti iye achapedza April 21. Nokupfupikisa zvose nguva, tinowana mazuva 51, iyo vokubhengi uye akapa somunhu nyasha nguva makadhi, kana mubereko-akasununguka.

Zvakaratidza kuti nemhosva, uyo asina anoda kubhadhara mubereko pamari kubhengi achava kubhadhara zvose mari kusvikira 21 April. Izvi hazvirevi kuti zvakakwana kuva vakadzoka panguva, zvinokwanisika kuti mugovane kuva nhamba vachibhadhara, Chikurukuru, kuti April 21 pamepu raiva yose mari (mu muenzaniso uyu - 30 000 rubles).

Kana uchida mari yakawanda

Zvakakosha kuziva kuti kadhi rechikwereti ane mubereko isina nguva haarambidzi kunwiwa akaramba kushandiswa chikwereti munguva ropafadzo nguva. Unogona kuramba kutenga Via rokubhengi, kana, Chokwadi, rinobvumira chikwereti muganhu. Kana kuwedzera vakakwereta mari hunozodiwa mumwe 5 000 rubles, uye vari pamepu, kuti nemhosva anekodzero rizere kuzvishandisa, chete haasi kubhadhara chikwereti mubereko, kusvikira April 21 zvinoda kudzoka haisi 30 zviuru rubles, zvose akakwereta 35 zviuru rubles.

Kana kwete zvakazara kubhadhara chikwereti hazvibviri, hazvina basa. Just kuna April 21, mutengi anofanira kuita zvichida shoma muripo. Mune zvimwe zviitiko, zvinoita anoda kubva 5% 10%.

Somuenzaniso ichi, vanoti kuti shoma muripo inofanira kuva 10% of chikwereti. Saka, panguva kwemamiriro nyasha nguva yako chikwereti mamakisi unofanira akanyoresa zvinenge 3000 rubles. Mashoko ose kakawanda zviri okuti mabhanga vari kuedza kupa vatengi vavo kunyora. Ivo kufungawo kushanda dzemaitirwe nguva, kureva kusvikira April 1.

Inofanira vainyatsotarisirwa rinotevera rokuzvidavirira nguva, izvo huchagara kubva April 1 kusvika May 1. Kusvikira 21 April maviri nguva bindepinde uye, sokunge seari pane mumwe. Kuti, kana chikwereti iri akaripira zvakakwana pamberi April 21, kuwanda shoma muripo achapiwa dzaona kufungisisa zvachose chikwereti sezvo yaMay 1.

In aripo musimboti, izvozvo akapedza okutanga 30 000 rubles, 10% iyo yakaitwa sezvo shoma muripo. Zvadaro, pashure April 1, kadhi chinobviswa mumwe 5 000 rubles. Saka, chikwereti kubudikidza kadhi musi May 1 vachava 32 000 rubles, uye shoma mari, nokudaro zvichava 3200 rubles. Deposit mari vanoda kusvika 21 May.

Zvinoita sokuti chinokwezva chaizvo rwezvemabhengi kupa zvikwereti pamwe refu nenyasha nguva kwemazuva zana, uye kunyange zvakawanda. Wokutanga chizvidavirire inosvika makadhi zvakadai, sezvo mumutsetse wokutanga mazuva 30, uye kubhadhara bhangi chikwereti pasina imwe mubereko mutengi chingava panozokwana manomwe namazuva.

Kukarukureta vakasununguka nguva kubva pakutanga kutora

Ipfungwa Izvi iripo kana kubvunzwa nguva hakutangi musi nyaya kana activation ari kadhi, asi chete wokutanga kurishandisa. Akadaro kadhi ane mubereko isina kumwedzi nokuda vatengi pamwe zvikuru zvemakwikwi. Izvi imhaka yokuti, pakarepo kushandisa, rinogona kushandiswa kana uchida pashure kadhi rako hachisi nayo. Kureva pamberi mubhengi chigadzirwa imwe nguva dzose ane mari kuchengeterwa zvimwe mhando. A kukarukureta kuti zvido rinoitwa pasina anonyengera chero tsvina.

Ngatitii kuti kadhi yave agamuchira kuburikidza pambiru musi March 1 uye mari yake kutenga, chete 24 of March. Saka, achiwedzera kuti musi uyu mazuva 30, zvinoitika kuti kuguma Billing nguva vachawira pasi 23 April. Kuti tidzivise kubhadhara mubereko, unofanira kubhadhara chikwereti yose nokuda 13 May. It anofambisa mazuva 50 nyasha.

Kana nguva vachibhadhara ndekwokuda wakasimba

Ita masvomhu uye karenda nguva kuti uzive miganhu (nyasha, nzvimbo) haisi nguva dzose nyore, saka dzimwe mabhanga kugadza dzakananga romwedzi kwenguva yamunenge kumwedzi. Muchiitiko chino, hapana panotaurwa kuti nguva okutambirwa kadhi kana pakutanga kushandiswa kwayo. Kazhinji kuguma Billing nguva anova rokutanga romwedzi uye kuguma nyasha - 20 kana 25 romwedzi, chive akaverenga rinotevera.

muenzaniso

Muenzaniso uyu ndiyo sezvinotevera: panguva chikwereti akagamuchira musi March 1 Billing nguva inoguma April 1, hazvinei zuva ripi romwedzi vanoshandisa kadhi. A chemhosva yose chitsama chikwereti, kana kuti shoma kubhadhara chikwereti sangano vachafanira kumirira kusvikira April yechi25.

ezvinhu akasiyana nemabhangi

Kunyange mumwe pamahombekombe vanogona mepu pamwe kunosiyana chikwereti mazwi. nzira iri kushandiswa, "Alfa-Bank" anopa vatengi dzayo nezvemarudzi maviri makadhi:

1. Credit kadhi wakasununguka mumazuva 100, izvo rinotanga risiti pamusoro kadhi uye rine 30-zuva nguva uye akaverenga nyasha nguva 70-zuva.
2. Co-vakapiswa kadhi aine chikwereti akasununguka nguva rinogona kuvhurwa pamwe guru nemakambani (semuenzaniso vendege). Nokuti bhangi iyi chigadzirwa nyasha ipfupi mazuva 60.

Sepokutangira kukarukureta nguva, achitora yokutanga musi kadhi chikwereti akadai Home Credit uye "Sberbank". Grace munguva makadhi mazuva 50.

Bank "Russian Standard" kunowedzera nguva 5 mazuva, 30 iyo chokuita Billing nguva, uye 25 - kuti zvaunoda.

Free nguva "Tinkoff" ndiro mazuva, asi anotanga yokutanga kutengwa. Asi kadhi kufarira isina nguva, "VTB 24" rine mhando dzakasiyana, zvichienderana kukura chikwereti, asi nenyasha nguva uye zvishoma mazuva 50.

The guru nyasha nguva

A kadhi ane mubereko isina mumazuva 200 hariwanikwi chaizvo, kusvikira zuva, chigadzirwa ichi anopa vatengi Bank wayo mutsva "Avangard". Huwandu kadhi rechikwereti duku zvakadaro, asi kadhi basa zvinodhura. Uye unogona kushandisa izvi kamwe chete.

pfungwa dzinokosha

Kana achiita kadhi rechikwereti, zvakakosha kuziva kuti nguva nyasha vazhinji vavo rinoshanda chete vasiri mari kubhadhara. Find kubhangi, pakati ine kadhi ane mubereko isina nguva iri mari withdrawals, zvakaoma chikwereti zvigadzirwa. Lenders Most ucharaira wokuwedzera vanotanga kuti mari withdrawals panguva imwe ATM.

By kusaina chibvumirano, mutengi anofanira kureva muripo purogiramu uye pedyo kwairayirwa bhengi makomisheni, izvo achanyorwa kure chaizvo kadhi uye zvichawedzerwa yose chikwereti. Kazhinji, ndiko muripo kadhi basa, SMS basa, inishuwarenzi.

Unofanira kuongorora chii Musi kubhengi ichava nguva okutambirwa mari. Kwete chokwadi chokuti rinobatana nhamba mwedzi, kana mari yakanga disbursed. Kazhinji ichi nguva okutambirwa mari nokuda musiyano pakati misi inogona kusvika 3 days, kunyange mukati chete chikwereti tsika. Tisingatauri paishandiswa anotamisa nemamwe mubhadharo enyika.

Pakusarudza kuvhura kadhi rechikwereti, unofanira kufungawo chinangwa chikumbiro chacho, panguva ipi anoonekwa kuti mubereko-isina kumwedzi. Zvichakubatsirawo vanofanira kunyatsoongorora kuverenga mashoko ari mabhanga, izvo zvingasiyana yekudyidzana. Hapana chikonzero kumhanya wokutanga aida kuroorwa nani kuyera "zvayakanakira" uye "nezvayakaipira."