Kadhi rechikwereti kubhengi sei?

mabhanga mazhinji kupa vatengi makadhi avo mufanidzo. Asi usati kuzvishandisa, unofanira kunzwisisa zvinoreva inopiwa pasi chii ezvinhu. Kana uchiziva kuti kushanda kadhi, zvichava nyore chaizvo kunzwisisa zvose nezvehukorokodzwa mari chigadzirwa.

tsananguro

Kadhi - mubhengi chigadzirwa zvaipiwa zvemari sangano vatengi. Pairi unogona kutora chikwereti kuti imwe mari uye izwi. Basa rakafanana mwero nevatengi chikwereti, asi achiri misiyano ayo. Sei kadhi rechikwereti, unogona kudzidza mashoko, zvinodiwa, zvinotaurwa.

mamiriro

Uyu wakaisirwa pamahombekombe. sangano neimwe inopa pachake mazwi ayo. Kumwe vava kunobatsira vanhu, asi kumwe - kwete. Sei kadhi rechikwereti pane mabhanga akawanda? Atova akasungwa kuva zvazvingava, zvenguva yakaganhurirwa uye uwandu. Mune dzimwe pane nguva nyasha.

Avhareji yevanhu mabhanga Russian iri kuwanda 24-35%. Hazvina nguva dzose pasi ndivo kunoreva kubatsira sezvi- mari zvingarerutswa inishuwarenzi. Chikwereti nguva iri kazhinji makore 3-5.

Zvinodiwa Kuti anokwereta

Kuti tiwane kadhi, mutengi inofanira kusvitsa zvimwe zvinodiwa:

• ugari of Russian Federation;
• zera - kubva 18 kusvika pamakore 70;
• yakanaka chikwereti nhoroondo.

Ndivo zvinodiwa zvinokosha. Vamwe zvirongwa vanofanira kuzviisa pasi mari mashoko. Kazhinji, zvikwereti vari rakapa pasina guarantors uye anondibatsira.

mutambo

sei kadhi iri mubvunzo kuwana? Banks kuzvipa nzira yakasiyana. Kazhinji mapurasitiki akapa pamahombekombe ane kushanyirwa. Kazhinji, rinenge aitumirwa nepositi kana mutengi atoshandisa basa chevanorwara zvemari.

Kune mabhanga, izvo kununura makadhi kuimba rekutakura, asi mabasa kazhinji vakadaro unoshanda chete mumaguta makuru. Nokuti unofanira kushandisa pahofisi, kana paIndaneti. Dzimwe nguva imwe Delivery chisarudzo.

zvinyorwa

Magwaro anotevera kungadiwa zvichienderana pamahombekombe:

1. Pasipoti.
2. INN.

Dzimwe nguva unofanira kuvapo mamwe kuchengetedzeka Somuenzaniso, kana waita guru chikwereti akakumbira kubatsirwa basa.

kushanda

Nzwisisa kuti kadhi iri mari Bank kana rimwe sangano, ari nyore chaizvo. Unoshanda sezvaiitwa mureza muhoro. Unogona kutora mari vari ATM, kana uchida mari. Zviri mukanawo kubhadhara zvinhu uye mabasa muzvitoro.

Chete vanofanira kuongorora-kuti uzive zvakaita kufarira vanopomerwa neimwe nyaya, nekuti mbambo kuti mari uye asiri mari kubhadhara kazhinji zvakasiyana. Zvakakodzera kubhadhara chikwereti ari nenguva nenzira, saka sezvo vasina mhosva Zvirango, nekuda zvichabudirira kubhadhara wemuno.

nyasha nguva

Sei nyasha nguva makadhi? Nyaya iyi iri dzinenge mubhangi ose. Kuti nguva iyo chikwereti inogona kubhadharwa pasina mubereko. Kazhinji ndiwo mazuva 50-60. Kana panguva iyi kuti chikwereti isina kubhadharwa, mari iri recalculated maererano magetsi kubva muzana.

muganhu

The kadhi chinoshanda nokuti muganhu. Kazhinji, ndiye 300-500 thous. Rubles. Kazhinji saizi yakatarwa dzayo inobva yeGmail.END_STRONG mari. Vamwe mabhanga kupa anokosha makadhi, zvakadai zvikwereti motokari. Zvadaro, muganhu kunogona kusvika mamiriyoni 1 rubles.

The muganhu iri pakutsvaga chaizvo ari Bank, uyewo panyaya. Nei asina kadhi, unogona kukumbira zvomushandi tsika. Izvi zvingava nokuda kwezvikonzero zvakasiyana-siyana, dzakadai kushaya activation.

How kushandisa?

Achaita chikwereti changu kadhi kuti kutenga? Vari akagadzirirwa chinangwa ichi. Vamwe mabhanga mubairo hurongwa kuti kubatsira kuti vatengi.

Unogona kutora mari kubva ATMs. Kana mudziyo ndohwaJehovha kubhangi, Tangai mabasa akadai, sezvo mutemo hakuzovi. Kana chikwata chimwe sangano, pachava muripo, uwandu izvo dzingasiyana.

chikwereti mubhadharo

Zvakakodzera kubhadhara chikwereti ari nenguva nenzira, kuti arege -bereka Zvirango. Kuti pave nenzira dzakawanda:

1. Kuburikidza chirwere chipi kubhengi - 2-5% basa.
2. Achiwedzera mari kuburikidza anotamisa nemamwe makadhi.

Kana nguva hakuiti mari, zvichava wakaiswa kuti chikamu, kushanda pasi chibvumirano. Iye anogona wakaiswa. Kazhinji kuisa zvazvingava zvakajeka raanotaura chibvumirano, icho yakasainwa panguva processing chikwereti.

Vamwe mabhanga zvinopa zororo, kana nemhosva havagoni kubhadhara chikwereti. Chete zvakafanira vanonyevera nezvazvo pachine. Late mubhadharo kuipa chikwereti nhoroondo. Zvadaro mune ramangwana kuti chikwereti kubhengi achava zvakaoma.

Zvayakanakira nezvayakaipira

Kushandiswa-software kwakadaro pamahombekombe ane zvakanakira nekuipira. Zvakanakira vangazivikanwa:

• kukarukureta of zvitoro;
• Bonuses uye kuwanda;
• kumwedzi nyasha;
• pasipasi zvinodiwa;
• magadzirirwe zvizhinji;
• zvakasiyana-siyana mubhadharo nzira;
• Internet rwezvemabhengi;
• kunyoresa paIndaneti kushanda.

Pakati zvikanganiso secrete dzakakwirira mubereko kusagadzikana Exchange (kana dhora kadhi). Uyewo, basa kana vadzokera mari.

Offer kubva Sberbank

Ko mari Bank kadhi? Ivo vanonzi zvikuru nevanhu pakati vagari Russia, saka kushanda pasina dzongonyedzo munyika. By makadhi anoita Grace-nguva apo zvichibvira kushandisa nzira pasina mubereko. Mari inorondedzera ichi mumazuva 50-60.

Kana hamuna kudzokera mari nguva nyasha, unofanira kuita mashoma muripo. Anosanganisira huru chikamu uye pauwandu hweavo. Kana ichi haina kuzadziswa, chirango akapiwa rimwe zuva.

In mumari Bank kubhadhara chikwereti munzira dzakawanda:

• uchatamisa munhoroondo kana kadhi;
• replenishment kuburikidza zviteshi uye ATMs;
• shoko nhamba 900;
• kuburikidza basa, "Sberbank Online";
• zvemagetsi muzvikwama.

Maererano nedzimwe nzira komisheni akapomera. Asi saizi yavo yakasiyana, saka unogona nguva dzose kuwana munhu akakwana kuti cardholder. Mutengi une paunogumira, iyo inogona kushandiswa. Kazhinji, saizi yayo kunobva papurogiramu ezvinhu. Nokuti vazhinji akafunga mari mukati 60-600 zviuru. Rubles. Kana paine mudanga muripo, muganhu anogona ngazviwedzerwe. Mashoko aya anogona kushandisa uye nemhosva. Zvadaro ungafanira mapepa ari solvency. Panewo Zvinogoneka kuderedza muganhu.

Mari Bank anoda kushandisa chirongwa, "Mazvita." Mutengi anotenga kadhi, kuunganidza bonuses. Ipapo inogona kupedzwa kubhadhara zvinhu uye mabasa. Batanidza purogiramu zvinogoneka kuburikidza "Sberbank Online" hurongwa.

Sberbank kuti vatengi zvinopiwa kuburikidza pauzima nhoroondo utariri. Unofanira kupinda Login wako uye pasiwedhi rinopa mukana nzvimbo. Mune private hofisi rine mashoko pamepu. Kubva ipapo, unogona kuita mari, tuma mari.

"Tinkoff"

Sei kadhi "Tinkoff"? Mukati kunogona online, pasina vachishanyira bhengi. Zvinokosha chete kusiya application, uye pashure penguva achapiwa chisarudzo. For anokwereta penguva nyasha - mazuva 55. Kana panguva ino kubhadhara chikwereti, mubereko hauna kubhadhara. Kadhi inopiwa pasina rubatso uye guarantors.

Internet rwezvemabhengi mahara. With nayo, chero nguva unogona kuwana ruzivo pamusoro chinzvimbo yezvinotaurwa, kubhadhara chikwereti uye kuita mamwe mabasa. Shoma chinja 6% uwandu. The chikwereti muganhu iri kwaita kwakawedzera apo vachinyatsoziva muripo uye tichishingaira kushandisa makadhi.

New vatengi risingamboshandisi muganhu yakaiswa. Asi zvino unogona kuwedzera kusvika 300 zviuru. Rubles. Unogona kushandisa kadhi pose. On zviri aronga kuchinjirwa mari kubva imwe mari kune mumwe, chete muwedzero ichi. Zvakakodzera kubhadhara chikwereti nenguva, uye kana pasina mamwe mubereko havazofaniri kubhadhara.

"Alfa-Bank"

Sei kadhi "Alfa-Bank"? Vatengi vari ndokubaya nguva nyasha 100 uye 60 mazuva. Cards anowanikwa kubva makore 18. Inoda chete pasipoti uye SNILS. Nokuti kunyoresa unofanira kuva aiwana 9 zviuru. Rubles (nokuti Moscow) uye kubva 5 Th. Rubles (nokuti vamwe kumatunhu).

Free nguva iri 2 mhando zvichienderana kadhi. Munguva iyi havadi kubhadhara mubereko. Kuti aite izvi, mumwe mwedzi kuti risingamboshandisi mari kuguma nguva kubhadhara chikwereti pamepu. Free nguva iri ritangezve nguva dzose pashure pemazuva 60 kana 100. Shoma mubhadharo ndiyo 5% of chikwereti. Ita izvozvo zvinofanira kuva ose mwedzi. Billing kumwedzi mazuva 20.

Kadhi kubva "Alfa-Bank" unogona kubhadhara kutenga yako, asi iwe unogona kutora mari, asi kuti uyu yakatarwa kubhadhara - 3,9-5,9%. Pamuganhu mari yakaenzana 60-200 zviuru. Rubles. The wakananga mari yakaiswa pamahombekombe nomumwe.

Kuti tiwane kadhi unofanira kuzadza fomu paIndaneti uye mukati maminitsi 10 kuti mhinduro. Kana uine rokutanga sarudzo wasvika, unofanira kuonana kumahombekombe nemagwaro. Ipapo kadhi zvichabviswa rakapa, izvo zvinogona kushandiswa pakarepo.

Makadhi vari nyore zvikuru nokuti vanobvumira zvakananga pashure kushandisa nzira. Mari haigoni kubvisa pakarepo, asi anotenga kana zvakakodzera. Zvinokurudzirwa kushandisa zvazvakanakira inopiwa, dzakadai nguva nyasha, uye ipapo hatifaniri overpay.