Chii shoma muripo pamusoro kadhi rechikwereti uye sei inofungidzirwa?

Chimwe chezvinhu nyore abhadhare nhasi vari epurasitiki makadhi. Chinonyanya akakurumbira pakati zvigadzirwa zvose zvaipiwa mabhanga, makadhi vari. Chaizvo kusimba nyore - kutenga zvose zvinogona pasina kufunga kuvapo mari chikwama yako wakaita. The Bank inopa Yakabudiswa kuti gumi nevaviri mazuva akawanda. Izvi zvinobvumira zvikuru vakarongeka kushandiswa iripo zveminda zvose.

Kana uchida kuita mari "Mapurasitiki" akanga asiri chete nyore, asi raibhadharawo, unofanira kunzwisisa zvakajeka ayo mashandiro nezvaaiita. Kutanga, zvinokosha kunzwisisa kuti pave shoma mubhadharo pamusoro kadhi rako rokubhengi.

Chii mupiro pasipasi

Muridzi kumborumbidza "mapurasitiki" pamberi tsika zvemari ane zvimwe mitoro. Ose mwedzi nezuva "chikwereti" nhoroondo unofanira kuita mari kuti kanenge aoma kubhadhara zvichiguma zvikwereti. Kubhadhara inofungidzirwa kuti wava. Izvi zvinoita kuti solvency pamusoro cardholder uye inopa naye mukana kushandisa munowanika mune ramangwana.

Kwakadaro zvishomanana kuzopiwawo huru uye akashevedza shoma mubhadharo pamusoro kadhi rako rokubhengi. sangano zvemari nomumwe anoisa yayo kufarira uye anosarudza munhu maturities. Cherechedza anodikamwa zvikuru, nekuti kana ukapotsa wava pakuita mari, mubhengi anekodzero kushandisa pena kubhadhara kana kupikisa mutongo.

Kubva iyo kukosha muripo kunoenderana

Nzvimbo Iri kadhi urongwa iroro mukwereti pachikuva rokutanga kwazvo ukama - riri nezvaro kondirakiti. Kakawanda, shoma mubhadharo kwaunoita kadhi sokunge mashoma muzana uwandu mari vakapedza nomunhu muzvirevo munguva. Kazhinji ndiwo 5-10%, asi anogona kuva zvakasiyana. The Bank anogona kuisa imwe wakaiswa kubhadhara. It unofanira kuita zvose mwedzi pasinei huru yakati. Hazvina nyore chaizvo, saka zvemari masangano vanoronga kwakadaro rinoshandiswa Kazhinji.

Shoma mubhadharo pamusoro kadhi pachayo haina homogeneous uye rinoumbwa uwandu akawanda:

• mubereko, kuverengwa iri chaiyo kukosha chikwereti nokuda Billing nguva;
• chikamu chikwereti, anokwereta ratova kushandiswa pachishandiswa ari mutero;
• makomisheni uye mari raanotaura chibvumirano;
• yakanaka, mutongo kana Zvirango dzakava pamahombekombe pamusoro default ane anokwereta chibvumirano.

"VTB 24"

sangano zvemari Mumwe anopa ayo zvemupiro vakaraira shoma mubhadharo pamusoro kadhi rako rokubhengi. "VTB" Somuenzaniso, kusanganisira mari yakadaro pano:

• 3% of chikwereti dzaidzidziswa rokupedzisira nokushanda romwedzi;
• tinofanira kugara chikamu yapfuura chizvidavirire nguva maererano zvazvingava kadhi.

The zvakafanira kuwanda zvinofanira kuitwa kusvikira 18:00 pamusoro rechi20 romwedzi zvichitevera nhau imwe. Kana mutengi achida kuponesa mari pamusoro mubereko, zvakakodzera kushandisa nguva nyasha, riri mazuva 50. Kana ukadzokera mari kadhi panguva iyi, mubereko mhosva kwete.

Kana ukakanganwa kubhadhara chikwereti mukati yakanatsa nguva, asi vane anowanisa debit kadhi kubhengi, tsika zvemari achaedza mubve mari kubva ikoko. Kana apo ichi hachisi kubudirira, kubhangi vachamanikidzwa kubhadharisa chirango.

Mazuva 3-5 pamberi kutanga "X maawa" kubhengi anotumira vatengi dzaro chiyeuchidzo chikwereti mari, shoma mari kudiwa zvavo nenguva mubhadharo.

"Tinkoff"

Kana uchida kuva kubhadhara kwakadaro "mapurasitiki", kugadzirira mari zvishoma. Shoma mubhadharo kwaunoita kadhi "Tinkoff" rinowanikwa nomumwe uye anogona kusvika 8%. Panyaya iyi, muripo uwandu angasava rubles asingasviki mazana matanhatu. Izvi zvinoreva kuti kunyange kana iwe vasapedza, kubhadhara vachiri.

Kuti panguva yakakodzera kubhadhara pamepu iri anodiwa kwazvo. Zvikasadaro, ivo marangirwo richashandiswa kuti mutadzi.

• kekutanga chevanorwara zvemari acharanga pako 590 rubles;
• kutyora yechipiri kuchaguma yakanaka 590 rubles. + 1% chaiko huwandu chikwereti;
• vaya vanobatwa kutyora muripo mazwi kechitatu, kuparadzana 590 rubles. + 2% of chikwereti.

Subtleties of mari Bank

Shoma mubhadharo kwaunoita kadhi nemari Bank vari dzaona kwakavakirwa yokupedzisira huwandu chikwereti. Kakawanda, chikwereti zvachose vanofungidzirwa 5%. Nhamba iyi ndiyo kukura duku muripo uitwe kuti kadhi imwe musi. Zvisinei, dzimwe nguva, kubhengi anoshandisa redunhu munhu uye anoratidza kufarira kuti imwe nemhosva.

Kana kuguma nguva raanotaura chibvumirano, mari iri kadhi rechikwereti uye hatina kugamuchira, kubhangi anofunga hachizadziki sungiro uye mutongo mhosva kusvika 37%.

How uye apo kuziva chaiyo

Uye unoziva sei shoma mubhadharo kwaunoita kadhi? Apa pane dzakawanda nzira:

• Chokutanga, unogona kushandisa chero davi Bank yenyu. Musakanganwa pasipoti yako, zvimwe hapana chinoitika.
• Kana yako chikwereti sangano rinopa kukwanisa kushandisa paIndaneti rwezvemabhengi kana chinokosha Mobile inopa mashoko ose unokwanisa kuwana pasina pamba. Just kombiyuta yako, enda peji wako pachako nhoroondo pamahombekombe wacho Website uye kuwana zvose zvakafanira mashoko.
• Batanidza SMS-inoudza. Nhasi, mabhanga akawanda kupa mukana wakadaro. Saka iwe nguva dzose kuziva chaipo apo uye zvikuru sei mari unofanira kuita.
• Kuti uzive chii shoma mubhadharo uri kadhi unofanira kuita mumwedzi uno, unogona kudana inopisa dzinza kubhengi. Pashure pokutaura opareta uye kuziva pachako somunhu cardholder, unogona kumubvunza mibvunzo yenyu yose. Dzimwe nguva mamiriro ezvinhu anotipa kukwanisa kwokunangisa kukurukura ari inzwi muoti uye omerera mirayiridzo wegadziriro.
• Masangano mari zhinji kupa mukana batanidza munhu pamwedzi Email Newsletter. In e-mail achauya kune zvakanyorwa ziviso ine zvakawanda map mari uye chitsama shoma muripo.

Kana hapana nzira hakurevi kukunakira kana iwe chokwadi kururama uye yakarurama pamusoro akarongwa huwandu, ungagadzirisa hwavo.

Kukarukureta kuti chikamu chikwereti

Kana uine karukureta uye chikwereti chibvumirano, unogona manually ngaaverenge kukosha shoma muripo. First unofanira kuziva rinoumbwa:

• chitsama chikwereti chikuru;
• kuti mubereko mhosva nokuda kushandisa mari;
• fines kana Zvirango, kana ani.

Pane 2 chikuru nzira kuti sei kuverenga shoma mubhadharo kwaunoita kadhi:

• pamusoro chikamu aivapo chikwereti;
• uwandu chaizvo kuitwa ne nemhosva.

Chokutanga, funga zvaungaita wokutanga. Kwakadaro nzira imwe inoshandiswa mabhanga mazhinji, zviri nevakawanda zvikuru.

Somuenzaniso:

• mepu yakatarwa mari panogumira 100 zviuru rubles, uye mwero 15% pa annum .;
• pamusoro mwedzi apfuura (mazuva 30) mutengi akapedza 23 zviuru rubles .;
• chibvumirano anopa risingamboshandisi muripo weUS 6% hunonyanya uwandu.

Kufungisisa parameters zvose izvi, ngaaverenge yakawandisa nyore:

• 23,000 X 6% = 1380 - chitsama chikwereti chikuru;
• 23000 X (20%: 365 × 30) = 378 - dzakava mubereko;
• 1380 + 378 = 1758 rubles. - pasipasi muripo.

Vangani vakatora sezvo zvakanaka

nzira iyi mutsividzo kuti makadhi kupfuura chinyakare uye zvakajeka kuti varidzi. Zvose nyore chaizvo: kuguma mwedzi unofanira kudzokera kadhi pamberi azvidavirire yose mari inoshandiswa yapfuura nguva, uyewo yepa mubereko pamusoro borrowings.

Kana ukashandisa yepamusoro mharidzo data, zvinoita sokunge ichi:

• 23 000 - mari inoshandiswa yapfuura nguva;
• 23000 X (20%: 365 × 30) = 378 - dzakava mubereko;
• 23 000 + 378 = 23 378 rubles. - wakazara chitsama inotevera chakabudiswa.

Pashure pokutaura kuti muripo kusvika yeGmail.END_STRONG anovhurazve muganhu uwandu 100 zviuru rubles, uye anogona kushandisa zvakare mbiri "epurasitiki".

Vazhinji havana kuverenga

Kunyange zvazvo zvichiita sokuti hapana akaoma Masvomhu panoita zvinoitika mune tsika kuti zvakarurama ngaaverenge chitsama shoma mubhadharo ravo pachavo hazvibviri nguva dzose. mabhanga mazhinji isai kumwedzi nyasha, somuenzaniso mazuva 55, umo mhindu dzakava. Muchiitiko chino, overenga zvose pachako ringava rakaoma. Pashure pezvose, unofanira kuronda mumwe kutengeserana nemazvo compute nokuda kwake kumwedzi nyasha uye kuziva pane nhamba zvakafanira kubhadharisa mubereko.

Kana uri kubviswa mari kadhi, kuti kubva muzana richachinja zvakare, kazhinji kunova yepamusorosoro. Kana mari pamwe kadhi iri ATM sangano riri haisi mudiwa ane bhangi yako, Ungangove, mamwe muripo zvichabviswa mhosva. Panewo dzimwe subtleties zhinji.

Kuti aite izvi, tsika zvemari akaronga madhipatimendi yose apo vose anofunga uye anodzora kushandisa michina. Saka kana iwe kuti zvimwe chikonzero kusava nechokwadi yakarurama pamusoro kuongororwa chitsama shoma mari, nyore nzira kuonana kubhengi uye kukumbira hwakadzama vanonyorwa dzemaitirwe. Manager akatsanangura zvose sei uye kwarakabva ose chiya, ari mafungiro enyu, sendi.