Bank kadhi kwemari: Rating, maonero, mamiriro ezvinhu uye wongororo

Vanhu vazhinji vanofunga kuti mabhanga ano akapa chete debit kana kadhi, asi chokwadi pane avo anopa kuramba uchiraira kufarira, uye vari kunzi "kunobatsira." Maps of mhando ichi nhasi vari akabayira zvakakwana vakawanda mabhanga, uye mumwe nomumwe zvinounza ayo mashoko uye ezvinhu. Chikonzero ichi kuti vanhu vakawanda vari kutanga kufunga sei kusarudza kadhi zvakanaka uye kushandisa navo mune ramangwana.

Chii?

Kunobatsira kadhi - nhoroondo uko kubhangi acharamba kubhadharisa mubereko zvichienderana sei mari yakawanda dzakasara munhoroondo. Zvinokosha kucherechedza kuti pacharwo kadhi zvakadaro kadhi kana debit kadhi, asi dzakava mubereko pakuenzanisa rinoitwa chete pana chikwereti nhoroondo.

Chii kusarudza?

Pari, kupfuura zvinobatsira makadhi kupa zvirongwa dzinofarirwa accrual siyana. Ngationgororei navo pasi.

Monthly bhonasi

The mwero iyi kuchaenderana zvakananga pamusoro zvinonyatsorehwa kukura shoma nengaidzo pakupera mwedzi, uye pamusoro hworudzii kadhi anonzi.

The chimbadzo, uyewo vamwe zvinodiwa zvakasiyana-siyana uye vari zvakananga novimba chii pamahombekombe yauri havo. Saka, Somuenzaniso, pasi mashoko "Promsvyazbank" shoma iri 15 000 rubles, idzo mutengi bhonasi vachapiwa muchimiro 4.5%, ukuwo "remarara" chinopa mukana kuramba mamakisi yake 10 000, uye saka kuita wakaiswa mwero 5%. In muenzaniso uyu, unogona zvakajeka chaizvo kunzwisisa sei kunobatsira chinja mepu zvichienderana kupfungwa umo wakasarudza kuronga navo.

daily bhonasi

Panyaya iyi, shoma mari pachiyero anofanira kuchengetedzwa zuva nezuva kuitira kuti munhu mbiri bhonasi. Panyaya iyi, uwandu kufarira kakawanda zvinobetsera neeSultan pakati indices 8% uye 10% pa annum.

Zvakanakirei kuti mutengi?

Chekutanga makadhi rwezvemabhengi zvose zvinobatsira ndivo mhando kungaitwa pane kuti ano ezvinhu pfupi-rokuti deposits, apo kuva chaizvo, zvakanakisa chimbadzo. Mukuwedzera, mukusiyana kuti mureza bhengi dhipoziti, munogara mukana mubve mari kubva munhoroondo yavo kuitira kupedza navo zvavanoda.

Vatengi pachavo kazhinji vachiti wongororo yavo kuti mari debit kadhi kana zvikwereti nguva dzose vane zvimwe zvinhu, chisingazivi nguva dzose aenzane kwayo mari, asi mari yakagamuchirwa iri Ruzhinji rwakapindura dzacho zvokuti zvakazara anofukidza mari yebasa kana Mobile rwezvemabhengi muripo.

Next tikatarisa yakanakisisa nzira kuti mabhanga kuti mushandisi nomumwe pachavo aizonatsiridza kuenzanisa aripo vaitaura. Muchiitiko chino, taishandisa kusarudza kunobatsira kadhi rating, yakavakirwa mushandisi dzinovaka.

"PSB"

"Promsvyazbank" inopa vatengi ayo kadhi inonzi "anoreva zvose", asi chaizvoizvo Hazvizivikanwi pane mashoko anopiwa, ari musimboti ichi, uye kana vachida zvinoenderana nezita ravo.

Pachavo kunobatsira kadhi kubva kubhengi havana kuwanikwa, uye maererano kuroorwa, mepu inogona akaverenga kana debit. Panyaya iyi, mepu inoshandiswa mabikirwo contactless kubhadhara uye chimwezve Chip chakagadzirirwa kunowedzerwa kuchengeteka. Zvinokosha kucherechedza kuti pasinei nokuti mepu iri haripi kadhi muganhu, zvinokwanisika kuti vawane bonuses akanaka akawanda kuti anopa akanaka mari.

Ndezvipi bonuses izvi?

Zvikurukuru zvinofanira kucherechedzwa mari shure, kukura chiri 5%. Chokwadi, zvakadaro kudzoka iri kure chero asiri mari kutenga, asi chete kune acquisitions tinoitirwa neimwe muboka. Unogona kushandura muchikwata, ndiko yakadaro nzira rinoitwa asina kupfuura kamwe ose mitatu. Kufadza zvinogoneka Huwandu remuneration 1 000 munguva pakarenda mwedzi.

Nokuti vaya vakamuka kadhi iri pamberi November 1, anopa accrual kufarira pakuenzanisa. Vose inogona nomumwe akavhura kubhangi mubhangi, pashure izvo akaramba kugamuchira 6% iri mari kuti inoiswa rubles.

Card basa rinoitwa chose kana anenge akasununguka. Zvakakwana vakasununguka basa inopiwa kana kugara nepakati pakadhi wako anopfuura 50 000 rubles pamwedzi, kana iwe kuita kutenga mu uwandu zvinopfuura 30 000 rubles. Zvinofanira kucherechedzwa kuti basa kubhadhara iri akaripa mwedzi wose kana kamwe pagore, zvichienderana iyo nzira kwamuri kunopfuura zvinogamuchirika. Somuenzaniso, kana mari kubhengi kadhi vaibhadhara kamwe pagore pachine, asi paavhareji, iwe wakange mari zvakafanira kana pakati nepakati, muchiitiko ichi kwamuri rwoga chinotevera kufamba kunova pachena.

Ose muridzi kadhi kwakadaro rwoga inova ubatanidzwe pamusoro bhonasi mapurogiramu PSBonus. Nekuti mumwe apedza rubles 150 wapiwa 10 points, yakaenzana zvimwe Ruble. Shandisa zvibodzwa zvako zvichava mushure iwe tora 7000 pfungwa, izvo inoshandiswa kubhadhara anopfuura 90% of zvachose nomutengo muna rimwe makambani kuti vari vadyidzani pakati kubhengi. Uyezve, unogona kushandisa mari bhonasi yacho zvakazosunungurwa kuripwa pamwedzi kadhi basa.

Rine mukana zvachose vakasununguka kuregedza makadhi maviri kuhama, uye nokudaro zvose zvichataurwa rusununguko SMS-inoudza.

Rocketbank

Bayirai kubva Rocketbank chikamu yakanakisisa mepu zvose kwemari zvinganaka zvevakomana. kadhi iri rakapa pamahombekombe "Interkommerts", uye zviri pakadhi ichi ngauitwe zvose mari iwe acharumbidzwa pakadhi. Zvinokosha kucherechedza kuti panguva ino, kupedza chose kutora chikamu kubhangi, saka kuti yave kushanda akazvitsaurira chikwata vakaparadzana pamusoro IT-unyanzvi. Quality chikumbiro nokuti smartphone aimbova mukuru zvinobatsira kuti chakaitika pamahombekombe, asi vashoma kumbonyanya rinokosha ndinoiitawo kuti kadhi iri rakawedzerwa pamusoro nguva. Pasinei chokwadi kuti nokushandisa mepu iri hazvibviri kuwana chikwereti, ndiyo imwe yakanakisisa vaitaura kuti vakasarudzwa.

mari

Sezvo Zvinoshamisa sezvo zvinganzwika kune dzimwe nyika, asi muRussia nhasi vanotora mari munhu kuchengeta mari yavo kubhangi, asi panyaya iyi, "Roketbank" anopawo yakawanda anobatsira zvinhu uye bonuses. Zvinofanira kucherechedzwa kuti kwerunyararo kadhi iri zvinogona kunyatsova vakasununguka kana inodzidzisa rinobatanidza kune mwero "chiedza" uye achabatwa pamwedzi kwema zvinosvika zvinopfuura 30 000 rubles. vamwe All kubhadhara 75 kana 290 rubles mwedzi.

Kusarudza mutero "chiedza", iwe wapiwa vakasununguka withdrawals shanu kubva ATMs, uyewo mukana nechitarisiko anotamisa vane basa 0.5%. Uyezve, kutenga zvose kuitwa pamahombekombe kushandisa mashoko nemhosva ine nokupenya shure pamwero 1%.

Kana ukashandisa mutero "zvose yemubatanidzwa", iro tinorasikirwa 290 rubles, 10 nguva mari iri kutorwa pasina makomisheni uye saizvozvo pasina Commission akatuma nemamwe mabhanga, apo mubayiro vakabata kunotenga rinosvika 1.5%. Saka, kana mepu yauri kushandisa anopfuura zviuru 58 rubles pamwedzi, kuwedzera "cashback" 0.5% kuchaita kuti kufukidza kubhadhara ichi zvachose.

Chete kwemari kadhi "nemari Bank" anopa 3.5 chete% pakuenzanisa, asi achishayiwa zvachose cashback.

Revenue pa vakasara

Terms of makadhi kuwana mari pakuenzanisa, uwandu chiri 9% chete annum, asi nokufamba kwenguva panofanira kuva 30-300 zviuru. Kuderedza shoma huwandu hakusi anokwezva sezvo mamwe mabhanga akawanda, hazvisi, asi panguva imwe chete, tichienzanisa ayo yakananga vakwikwidzi, "Rocket" rinopa mashomanana, saka vakaumba mose chaiko.

Zvakare, kwose kutenga muchapiwa imwe chikamu shure, kana muchichengeta pavo pamahombekombe chinja. Zvinokosha kucherechedza kuti kadhi inokupa 1% zvatengwa zvose, apo dzimwe makadhi kukubvumira kuponesa kusvika 5%, asi chete kune mumwe zvakawanda Mapato kana kumanikidzwa kutenga kuitwa zvimwe makambani.

Inenge pamwero yakafanana wepagore uri kadhi kunobatsira remarara, asi zvakare, hapana ane basa inofadza yakadaro iri cashback, izvo chaizvo zvinokosha panyaya kunyatsoshanda.

The huru nani

Pasinei chokwadi kuti mashoko avo uye kadhi achiri pasi, sezvataurwa pamusoro apa, ayo anobatsirwei mukana kudzora nzira dzavo kuburikidza tichienzanisa iPhone.

Achibatsirwa unyanzvi mafomu zvinogona dzikarongwa pachake mari kubudikidza muchikwata, uye ipapo pasina dambudziko vakatarira apo bhajeti yenyu iri kushandiswa. Panyaya iyi, inodzidzisa ane zvose zvinobvira namira Tags vavo, izvo zvichava zvikuru Zvakanyanya Kunaka Panguva Yepamuviri kwaari. Uyezve, panewo kushanda pamwe bhajeti, kana makadhi akawanda ikashandiswa kuva dzakazara network.

Uyewo mubhengi ichi anopa zvachose akasiyana kuchinjwa hurongwa, iwe anongoti sarudza zita iri nebhuku rokunyorera, uye ipapo Anodzinga mari uye kutumira. Kwozouya anenge meseji raakarwa anogona kusarudza tichaverengerwa icho pamwe huwandu akapiwa basa mubhengi nhoroondo kana serura. Kana mutengi akabhadharira 290 rubles pamwedzi, mishumo kwakadaro zvachose vakasununguka kwaari.

vamwe mikana

Kuwedzera makadhi aya kubva mamwe mabhanga pane vazhinji nevamwe vaitaura. Makadhi ava chikamu mazita akanakisisa nzira pakati dziripo nhasi, Zvisinei, zvichida mune vaitaura kubva mamwe mabhanga, uchaona kubatsirwa zvikuru.