Khadi lokhala ndi zobweza - lomwe mungasankhe ndi ndani amene amapereka makhadi abwino obweza ndalama + magawo asanu operekera khadi ndi Cash Back

Moni okondedwa owerenga Maganizo a Moyo! Nkhaniyi idzafotokoza za makhadi omwe amabweza ndalama: ndi chiyani, ndi khadi liti lomwe mungasankhe ndalama momwe mungatulutsire moyenera, komanso mabanki ati omwe amapereka makadi abwino kwambiri ndi Cash Back chaka chino.

Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!

Kumapeto kwa bukuli mupeza mayankho a mafunso omwe amabwera nthawi zambiri.

Ndikofunika kuphunzira zomwe zafotokozedwazo kwa iwo omwe akufuna kukhala ndi khadi la kubanki yokhala ndi ndalama zobwezera komanso kwa iwo omwe agwiritsa kale kale ntchito. Izi zidzakuthandizani kumvetsetsa momwe chisankhocho chidachitikira.

Pofuna kupewa kuwononga nthawi ndikuyamba kusangalala ndi phindu la chida chomwe mukukambirana, werengani nkhaniyi pakadali pano.

Tikuuzani m'magazini ino za khadi yomwe ili ndi kubweza ndalama, ndi iti yomwe ili bwino kusankha komanso komwe mungapeze khadi yopindulitsa kwambiri yobweza ndalama.

1. Kodi khadi yokhala ndi kubweza ndalama ndi chiyani - lingaliro mwachidule 🗒

Ndiye amatanthauza chiyani akamanena za makhadi omwe amabweza ndalama?

Khadi lobweza ndalama (lotembenuzidwa kuchokera ku Chingerezikubweza ndalama kutanthauza"Kubweza ndalama") Ndi khadi yakubanki, yomwe mawu ake amapereka kuti abwerere kwa kasitomala gawo lina la ndalama zomwe sizinali ndalama zolipirira katundu kapena ntchito.

Kuchuluka kwa kubwerera kwamtundu uliwonse wamakhadi kumatsimikiziridwa pawokha ndi banki yomwe idawapatsa. Pafupifupi ku Russia, kuchuluka kwa ndalama zomwe zimabweza zimasiyanasiyana mkati kuchokera ku 0.5 mpaka 10% ya ndalama zogula... Mabanki ambiri amapereka kubwezeredwa kwa 1% adagwiritsa ntchito ndalama.

Kubweza ndalama kumatha kulembedwa ngati:

• Ndalama;
• mabhonasi osiyanasiyana;
• mwa kubweza foni yanu yam'manja.

2. Momwe mungasankhire khadi yopindulitsa kwambiri yobweza ndalama - magawo asanu posankha khadi yobweza ndalama 💎

Kupanga chisankho ndi makhadi osiyanasiyana okhala ndi ndalama kubweza kumakhala kovuta. Nthawi zonse mumakhala okayikira ngati chisankhochi chikugwirizana ndi inu. Ntchitoyi imathandizidwa kwambiri podziwa njira zomwe ziyenera kuganiziridwa posankha.

Pansipa pali magawo akulu amakadi okhala ndi kubweza ndalama, kufananiza komwe kukuthandizani kusankha njira yabwino kwambiri.

Chizindikiro 1. Mtengo wobweza

Banki iliyonse imadzisankhira yokha gawo la ndalama zomwe zawonongedwa zomwe zibwerenso ngati ndalama zobweza. Ku Russia, nthawi zambiri kukula kwa gawo ili kumakhala kotakata kuchokera 1 kale 10%.

Nthawi zina kuchuluka kwa kubweza kumatsimikiziridwa ndi mtundu wa katundu ndi ntchito zomwe zidagulidwa pogwiritsa ntchito khadi. Kawirikawiri kubwerera kochepera mabanki amapereka pazinthu zonse.

Zogulitsa ndi ntchito zotani kuchulukitsa ndalama, mabungwe obwereketsa amasankha malinga ndi mfundo zawo zotsatsa.

Parameter 2. Magulu omwe amabweza amayenera

Mabanki nthawi zambiri amaika kukula kwa ndalama zobwezeredwa kutengera mtundu wa katundu ndi ntchito zomwe zidagulidwa ndi khadi. Mabungwe ena obwereketsa amapereka 2-3 khumi magulu oterewa. Zitha kutero madokotala, masitolo akuluakulu, ndege, malo odyera, malo omwera, malo osangalatsa.

Nthawi zambiri, mabanki amalola omwe amakhala ndi makhadi kuti adzisankhire m'mitundu yomwe angatchulidwe kuchuluka kwa ↑ kubweza ndalama... Komanso, amatha kusintha nthawi ndi nthawi. Kuti mupindule kwambiri, muyenera kusankha makhadi omwe ali ndi gawo loyenera kubwerera.

Chizindikiro 3. Fomu ya kubweza ndalama

Posankha makhadi, ndikofunikira kulingalira momwe mafomu obwezera adzapangidwira.

Zosankha zotsatirazi zimagwiritsidwa ntchito kwambiri:

1. ndalama zenizeni;
2. mfundo za bonasi zomwe zingagwiritsidwe ntchito ndi abwenzi aku banki;
3. kuchotsera pamakhadi aku banki.

Zimakhala zosavuta kwambiri mukabweza ndalama kubweza ndi ndalama zenizeni. Ngati ikuyenera kupeza mabhonasi, khadi lotere liyenera kuperekedwa kwa iwo okha omwe amagwiritsa ntchito nthawi zonse ntchito ndi katundu wa kampani yomwe angagwiritse ntchito.

Chizindikiro 4. Khadi mtundu

Mabanki ambiri masiku ano amachita kubweza gawo limodzi la ndalama zomwe zimagwiritsidwa ntchito pa ma kirediti kadi ndi kirediti kadi. Panthaŵi imodzimodziyo, ambiri amanena kuti kugwiritsa ntchito makadi a ngongole kumakhala kopindulitsa kwambiri.

Ubwino wogwiritsa ntchito makhadi obweza ngongole:

1. Mabanki ambiri, olimbikitsa makasitomala kupereka ma kirediti kadi, amawaika kukula kwakukulu kobweza ndalama;
2. Ngati nthawi yachisomo yaperekedwa pa khadi, mwini wake atha kugwiritsa ntchito ndalama zomwe adabwereka, kulandira ndalama kubweza osapereka chiwongola dzanja. Nthawi yomweyo, ndalama zanu zimatha kuyikidwa pakasungidwe kanthawi kochepa kuti mupange ndalama.

Komabe, makhadi obweza ndi kubweza ndalama amayenera chidwi cha makasitomala. Kuphatikiza pakulandiranso ndalama, eni pulasitiki otere amatha kudalira ndalama zowonjezerazo chiwongola dzanja.

Chizindikiro 5. Mtengo wokonza makhadi

Posankha khadi yakubanki, makasitomala nthawi zambiri samangoyang'ana kukula kwa ndalama zomwe mumabweza, komanso mtengo wogwira.

Pali mitundu itatu yamakhadi aku banki kutengera momwe mungapangire ndalama:

• analipira;
• analipira pang'ono;
• mfulu kwathunthu.

Kukhala m'modzi mwa mitundu yomwe ili pamwambapa zimadalira momwe mabanki adapangira kuti apange khadi inayake.

Zofunika! Mabungwe ambiri obwereketsa ndalama amati pulasitiki yomwe amapanga ndi yaulere. Komabe, muyenera kukhala osamala momwe mungathere, chifukwa nthawi zambiri miyezi ingapo yoyambirira yautumiki ndi yaulere.

Mabanki ena salipira chindapusa pokhapokha ngati zinthu zina zakwaniritsidwa, Mwachitsanzo, posunga kuchuluka kwakanthawi kotsalira ka akauntiyo.

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Pofufuza mwatsatanetsatane zomwe tafotokozazi, mutha kusankha khadi yabwino kwambiri yobweza ndalama.

Ndondomeko ya tsatane-tsatane yopereka khadi yobweza ndalama

3. Momwe mungatulutsire khadi yobweza ndalama - magawo asanu ofunikira kuti mupeze khadi yobweza ndalama 📝

Kupereka khadi yakubanki ndi kubweza ndalama sikusiyana kwambiri ndi kulandira pulasitiki ina iliyonse. Komabe, pali zina zapadera za njirayi. Kuti muthane ndi njirayi nthawi yoyamba, muyenera kuwerenga malangizowo mwatsatanetsatane.

Gawo 1. Kusankha ngongole

Lero, mabanki ochulukirapo amapereka kuti abweretse khadi ndi kubweza. Chifukwa chake, aliyense atha kupeza mwayi woyenera. Komabe, kusankha zabwino kwambiri pamapulogalamu osiyanasiyana kumakhala kovuta. Tiyenera kusanthula ndikuyerekeza momwe mabanki ambiri alili.

Thandizani kusunga nthawi yochuluka ntchito zapadera ndi zothandizira... Masamba otere amathandizira kuyerekezera momwe makhadi amakhalira ndi ndalama zomwe zimaperekedwa m'mabanki osiyanasiyana.

Kuti mupange chisankho choyenera, ndikofunikira kuphunzira mosamala zomwe zaperekedwa. Pambuyo pake, kusankha kumachitika osachepera 3mabanki.

Gawo lotsatira liyenera kukhala ndemanga zowerengera Pazinthu zosankhidwa za ngongole pa intaneti. Komabe, simuyenera kuwakhulupirira 100%, monga ena mwa iwo atha kuyitanitsidwa.

Gawo 2. Kusankha chogulitsa cha khadi

Nthawi zambiri, posankha khadi yakubanki yokhala ndi ndalama zobwezera, makasitomala amasamala kwambiri kuchuluka kwa kubweza. Komabe, sakudziwa kuti njirayi siyabwino nthawi zonse. Kukula kwakukulu kwakubwezerani ndalama sikutsimikizirakuti mwayi wotere udzakhala wopindulitsa kwambiri.

Ndikofunika kutchera khutu pakangobwerera kokha, komanso momwe mungalipirire:

• mtengo wothandizira makhadi;
• kukhazikitsa zoletsa ndi zina zofunika;
• mndandanda wamapulogalamu a bonasi.

Mukamasankha khadi yokhala ndi kubweza ndalama, ndikofunikira kudalira moyo wanu. Kuti musankhe bwino, muyenera kudziwa ndalama zomwe eni mtsogolo azigwiritsa ntchito pafupipafupi.

Chotsatira, kutsalira kuyerekezera maguluwa ndi omwe amabwezeredwa ndalama pogwiritsa ntchito makhadi omwe asankhidwa. Iyi ndi njira yokhayo yomvetsetsa kuti ndi iti yomwe ingakhale yabwino kwambiri.

Iyenera kukumbukiridwa kuti posankha khadi yomwe ili ndi mulingo wopeza ndalama zambiri pamagulu omwe sanagwiritsidwepo ntchito, simuyenera kudalira kubweza ndalama zambiri. Kuti pulasitiki ikhale yopindulitsa kwenikweni, mtengo wake usapitirire kukula kwa ndalama zomwe amalandila.

Gawo 3. Kulembetsa ntchito

Khadi lomwe lili ndi kubweza ndalama likasankhidwa, limakhalabe lofunsira. Izi zitha kuchitika m'njira zingapo:

• mukamayendera nthambi ku banki;
• poyimbira kumalo opangira mafoni;
• kudzera pa intaneti patsamba lawebusayiti ya ngongole.

Mosasamala kanthu komwe mwasankha, mudzafunika pasipoti... Zambiri kuchokera pamenepo ziyenera kulembedwa mu fomu yomwe akufuna.

Zindikirani! Nthawi zambiri, mabungwe obwereketsa ngongole samapereka mgwirizano pamakadi apulasitiki. Chowonadi ndi chakuti kulembetsa kwawo kumachitika malinga ndi zomwe anthu amapereka.

Mgwirizanowu umamveka kuti ndiwopereka kubanki, wopangidwa kudzera m'malo osiyanasiyana omwe amapezeka pagulu. Ndi momwemo momwe chidziwitso chonse chofunikira kuti mumalize kugulitsa chilipo.

Kuti mwayi wapagulu uzigwira ntchito, ziyenera kuvomerezedwa, ndiye kuti, zitsimikiziridwa. Ndi makhadi, omwe ndi kusamutsidwa kwa ntchito yolembetsa kubanki ndikulandila kotere.

Kulembetsa pulasitiki m'mikhalidwe yotere kumathandizira kuti zithandizire kwambiri njira zopezera. Komabe, ndikofunikira kukhala osamala kwambiri komanso musanatumize pulogalamuyi werengani zolemba zonse ndi zikhalidwe zomwe zaikidwa muofesi ya ngongole kapena patsamba lake.

Gawo 4. Kulandila khadi yokhala ndi ntchito yobweza ndalama

Ntchitoyo ikavomerezedwa, imangodikirira kuti khadi ipangidwe. Kutalika kwa njirayi kumadalira momwe zinthu zikusonyezedwera ndi bank yomwe ikupereka. Pafupifupi mumsika waku Russia, ndizo kuyambira masiku 1 mpaka 10.

koma mukalumikizana ndi ofesi yakubanki komwe kuli malo osinthira, mutha kupeza khadi kwa maola ochepa.

Mukamapereka khadi yapulasitiki pa intaneti Kukonzekera kwake kwa kasitomala wamtsogolo nthawi zambiri kumafotokozedwa kudzera SMS... Mukalandira, imatsalira kuyendera nthambi ya banki kuti akatenge khadi. Mabungwe ena obwereketsa ngongole amatumiza pulasitiki pawokha ku adilesi yabwino kwa kasitomala.

Musanatenge khadi, ndikofunikira kufotokoza momveka bwino nthawi yomwe ingalandiridwe, komanso zikalata zomwe zidzafunike. Njira iyi ikuthandizani kutenga khadi mwachangu komanso nthawi yoyamba.

Gawo 5. Kuyambira kugwiritsa ntchito khadi ndikupeza ndalama

Khadi likaperekedwa, limangotsala kuti mulipire limodzi kuti mulandire ndalama. Ndikofunika kukumbukira zikhalidwe zake ndikuwonjezeka kuzitsatira. Kubwezeredwa kumapangidwa mkati mwa nthawi yokhazikitsidwa ndi malamulo amtundu wamakhadi.

Nthawi zambiri, eni pulasitiki omwe amabweza ndalama atangolandira amayamba kugula nawo zokha katundu ndi ntchito zomwe zimabwezeredwa kwambiri.

Akatswiri samalimbikitsa kuchita izi. Amakumbutsa kuti akagwiritsa ntchito ndalama zomwe zawonjezeka, banki imatha kuwona kuti kasitomala akugwiritsa ntchito molakwika ntchito zomwe wapatsidwa. Poterepa, kubwezeredwa sikungaperekedwe.

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Kutsogozedwa ndi malangizo omwe aperekedwa, mutha kutumiza khadi mosavuta ndikubweza ndalama ndikuphunzira momwe mungagwiritsire ntchito phindu lalikulu.

4. Ndi mabanki ati omwe amapereka makhadi abwino kwambiri obwezeredwa ndalama mu 2020 - TOP-3 mabungwe obwereketsa omwe ali ndi nyengo yabwino 🏦

Kuti musankhe yabwino kwambiri pamabanki ambiri omwe amapereka makadi ndi ndalama, mudzakhala ndi nthawi yambiri.

Mutha kuyisunga pogwiritsa ntchito mavoti omwe amapangidwa ndi akatswiri. Amaphunzira zopereka zingapo kuchokera kumabanki osiyanasiyana ndikusankha zopindulitsa kwambiri. Chitsanzo cha mtundu uwu chaperekedwa pansipa.

1) Alfa-Bank

Zabwino za Alfa-Bank ndizodziwika bwino:

• gulu lonse la nthambi;
• Njira yodziyimira payokha kwa kasitomala aliyense;
• ntchito yabwino;

Kuphatikiza apo, zopangidwa zatsopano zimapangidwa pafupipafupi pano zomwe zimagwirizana ndi nthawi.

Khadi la CashBack yatchuka kwambiri pakati pa makasitomala a Alfa-Bank. Bungwe loyang'anira ngongole limapereka khadi ngati imeneyi 2-mitundu - ngongole ndipo kubweza.

Atapereka makhadi aliwonse omwe atchulidwa, kasitomala angayembekezere kulandira:

• 10% ndalama zomwe zawonongedwa pa malo ogulitsira mafuta;
• 5% kuchokera macheke cafe ndipo malo odyera;
• 1% Kuchokera kuzinthu zina zonse zogulitsa ndi ntchito.

Zomwe zimakhazikika pa kirediti kadi zidzakhala izi:

• ndalama mpaka 6% pa ndalama zotsala;
• kutulutsa ndikulembetsa popanda kulipiritsa komiti;
• mtengo wantchito - 1 990 rubles pachaka;
• kuchuluka kwa kubweza ndalama kumatha kufikira 5 000 Ma rublengati zolipirira khadi pamalo ogulitsira zilizonse zimakhala osachepera 30 000 Ma ruble.

Ngati mupereka kirediti kadi yamtundu womwe ukukambidwa, zikhalidwe zake ndi izi:

• malire mpaka 300 000 ma ruble;
• nthawi yachisomo mpaka 60 masiku, kuphatikiza chiphaso;
• kuyamba kwa nthawi yopanda chiwongola dzanja kuyambira nthawi yamalonda oyamba;
• kuchotsera mpaka 15% mukamakhazikika ndi anzanu a ngongole;
• kubweza ndalama mpaka 3 000 ma ruble pamwezi pamtengo wosachepera 20 000 Ma ruble.

2) Tinkoff Bank

Tinkoff ndi amodzi mwamabanki otchuka ku Russia. M'dziko lathu, ili ndi bungwe lokhalo la ngongole lomwe limagwira ntchito zake kutali kwambiri, ndiye kuti, osagwiritsa ntchito maofesi.

Zotchuka kwambiri ndizopanga makhadi aku banki. Debiti ndi pulasitiki ya ngongole yomwe imapanga imatenga pafupifupi 11,5% Msika wonse waku Russia.

Khadi la kubweza Tinkoff wakuda imabweretsa mwiniwake ndalama ziwiri:

1. chifukwa akauntiyi imafika mpaka 300 000 Ma ruble kuwonjezeka 6% pachaka;
2. ndalama zomwe amagulira zimagulidwanso 30%.

Othandizira kubanki amapereka kuchotsera mukamalipira ndi khadi lomwe mukufunsalo, zowonjezera mapulogalamu a bonasi.

Wotchuka kwambiri pakati pa makhadi ndi Tinkoff Platinum... Mutha kubwereka kale 300 000 Ma ruble... Nthawi yachisomo yatha 55 masiku. Kukula kwa kubweza ndalama pazotsatsa zapadera kumafikira 30%, pazogula zina - 1%.

3) Sovcombank

Sovcombank Ndi banki yamakono yomwe ndiyotchuka kwambiri pakati pa anthu. Zatsopano zatsopano zimapangidwa pano. Chimodzi mwazomaliza zofunika kwambiri ndi Khadi lazigawo Halva.

Ndondomeko yamagawo ikusiyana ndi ngongole yoti palibe chiwongola dzanja chomwe chimaperekedwa nthawi yonseyi. Pa khadi lomwe likufunsidwa, kutalika kwake kumatengera komwe kugula kudagulidwa. Kutalika kwakukulu ndi 12 miyezi.

Zina zimaphatikizapo izi:

• kadi batumibwa ne kufikidila kwa kine;
• kuthamanga kwapamwamba kwambiri;
• kutumiza kwaulere;
• kubweza ndalama mpaka 1,5%;
• Sungani ndalama mpaka 8% pachaka.

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Kuti zikhale zosavuta kuyerekezera makhadi, mikhalidwe yawo yayikulu imaperekedwa patebulopo. Chomwe chimalimbikitsa ndi makhadi a kirediti kadi.

Ndikofunika kukumbukira, kuti phindu logwiritsa ntchito kirediti kadi lidzakulitsidwa ngati ngongole ibwezedwa munthawi yopanda chiwongola dzanja.

Tebulo "Mabanki TOP-3 omwe ali ndi njira zabwino zoperekera makhadi obweza ndalama":

Kuyendetsa ngongole	Khadi lazogulitsa	Kukula kwa ndalama	Kutalika kwa nthawi yachisomo
Alfa Bank	CashBack	Asanachitike 10%	Asanachitike 60 masiku, kuphatikiza risiti ya ndalama
Banki ya Tinkoff	Tinkoff Platinum	Asanachitike 30% pazotsatsa zapadera	Asanachitike 55 masiku
Sovcombank	Khadi lamagawo a Halva	Asanachitike 1,5%	Asanachitike 12 miyezi kutengera sitolo

* Kuti mumve zambiri zamomwe mungapezere makhadi aku banki, onani tsamba lovomerezeka.

Unikani makadi abwino kwambiri a kirediti kadi ndi kubweza

5. Ndi khadi iti yomwe ili ndi kubweza ndalama komwe mungasankhe - kuyerekezera ndi kuchuluka kwa zabwino 5 zomwe mumapereka 📊

Makadi obweza ndalama omwe aperekedwa pamwambapa si okhawo. Tinaganiza zosintha mtunduwo. Phunzirani ina Zosankha za TOP 5 zomwe zimakhala ndi ndalama zambirindikusankha zomwe zikukuyenerani.

# 1. "Khadi ya Visa yokhala ndi mwayi waukulu" kuchokera ku Sberbank

Sberbank pachikhalidwe ndiwotchuka kwambiri pakati pa nzika zaku Russia. Makhadi osiyanasiyana a debit apangidwa pano, pomwe aliyense angasankhe njira yabwino kwambiri kwa iwo.

Mwa iwo, chidwi chachikulu cha makasitomala chikuyenera "Visa khadi yokhala ndi mwayi waukulu"... Zimapangidwa m'gululi "Platinamu", ili ndi kapangidwe kakang'ono ka laconic ndipo imatsimikizira mwapamwamba udindo wa mwini wake.

Kubwezeredwa kumapangidwa m'dongosolo "Zikomo"... Kubwezera ndalama kumatamandidwa mabhonasi, unit imodzi yomwe ili yofanana ndi ruble imodzi. Mutha kuzigwiritsa ntchito polipira m'masitolo anzanu.

Kuchuluka kwa ndalama kubweza kumatengera gulu logulidwa:

• 10% - popereka ndalama m'malo opangira mafuta, komanso ma Yandex-taxi;
• 5% pa chiphaso cha malo omwera ndi malo odyera;
• 1,5% kuchokera kulipira m'misika yayikulu;
• 0,5% pa macheke amakampani ena.

Mtengo wa ntchito yapachaka ya khadi lotere ndi kuchokera4 990 Ma ruble... Komabe, kuwononga kuchokera30 000 Ma ruble pamwezi, mutha kubweza ndalamazi ndi ma bonasi.

# 2. Khadi "All Inclusive" yochokera ku Promsvyazbank

Promsvyazbank ili ndi nthambi zingapo, ndi anthu payokha, bungweli lomwe limagwira nawo ntchito 2005 za chaka. Tsamba la banki lili ndi zonse zofunika pamakhadi omwe aperekedwa. Muthanso kulembetsa kulembetsa Pano.

Ayenera chisamaliro chapadera Makhadi Onse Ophatikizazoperekedwa ndi banki. Zolemba malire kukula cashback, yomwe imatha kupezeka pamwezi, ndi Ma ruble 1,000.

Kuchuluka kwa kubwerera kumadalira kampani yomwe mawerengedwe ake amapangidwa:

• 5% mukamalipira mafuta, zovala ndi nsapato, matikiti a sitima ndi ndege, katundu wanyumba ndi madacha;
• 3% polipira m'masitolo akuluakulu.

Ndalama Zothandizira khadi lomwe likufunsidwa ndi 1,500 rubles chaka choyamba... Ngati panthawiyi ndalama zochepa zakhadi zili pamlingo 50 000 ruble, mchaka chachiwiri ntchitoyi idzakhala yaulere.

Ndi khadi chiwongola dzanja chikuwonjezeka pamalipiro ndalama siziperekedwa. Ngati mwininyumbayo akufuna kulandira zidziwitso pamachitidwe SMS- mauthenga, pantchitoyi muyenera kulipira zowonjezera 29 ma ruble pamwezi.

Promsvyazbank imapereka chitetezo chowonjezeka ndi khadi "Kuteteza kwambiri"... Kuphatikiza apo, mwiniwake akhoza kukonza 2 makadi apamwamba ku akaunti yanu ndiwosafunikira.

Nambala 3. "Smart card" yochokera kubanki Otkritie

Khadi lokhala ndi ndalama pamzere kutsegula banki adawonekera posachedwa. Komabe, chida ichi chapeza kutchuka.

Chogulitsa chotchedwa "Smart khadi" itha kuperekedwa mwachindunji patsamba la banki osasiya kompyuta yanu. Eni amapulasitiki otere amapatsidwa bonasi.

Powerengera katundu yemwe amadziwika kuti ndi wotsatsa, amabwezeredwa 10% ya kuchuluka kwa ndalama.

Pama cheke ena, kubweza ndalama kumasiyana:

• ngati malipiro onse a khadi la mweziwo apitilira 30 000 ma ruble, tidzabwezeredwa 1,5%;
• ngati kuchuluka kwa kugula kuli kochepa, kubweza ndalama kudzakhala kofanana 1%.

Mtengo wapamwezi wogwiritsira ntchito khadi ndi 299 Ma ruble... Ngati munthawi imeneyi kuchuluka kwa zolipirira pogwiritsa ntchito khadi kumapitilira 30 000 ma ruble, amalipiritsa sadzalipiritsa. Muyenera kulipira zowonjezera 59 Ma ruble pamwezi kwa SMS- zidziwitso zokhudzana ndi ntchito zomwe zikuchitika.

"Smart khadi" limakupatsani kupeza osati kudzera kugula. Ndalamazo zimatchedwa ndalama mu kuchuluka kwa 7.5% pachaka.

Komabe, iwo omwe amalemba khadi yochotsera ndalama ayenera kudziwa kuti chida ichi chimakhala ndi malire pantchitoyi mu kuchuluka kwa 150 000 Ma ruble.

Ayi. 4. Pulogalamu ya Binbonus yochokera ku B&N Bank

B & N Bank Mtengo wamtengo wapatali wa Russia 1993 za chaka. Anthu amapatsidwa pulogalamu yopindulitsa pano "Binbonus"... Ndondomeko ya mphotho kwa omwe amakhala ndi makhadi aku banki omwe amawagwiritsa ntchito ngati ndalama zopanda ndalama.

Kuti mugwirizane ndi pulogalamu yakukhulupirika, muyenera kungotulutsa kirediti kadi.

Pambuyo pake, muyenera kuyambitsa gulu lililonse pamndandanda wotsatira:

• amayenda;
• kugula pa intaneti;
• galimoto;
• zosangalatsa;
• masewera;
• thanzi ndi kukongola.

Zofunika mwayi machitidwe obweza ndalama "Binbonus" ndikuti nthawi iliyonse yomwe mwiniwake wa khadi yakubanki atha kusintha payekha gawo lomwe amalandila ndalama zake.

Akatswiri amalangiza tcherani khutu ku mapu "Kukhazikika"... Mutha kuyitanitsa patsamba la B&N Bank. Poterepa, kubweza ndalama pagulu losankhidwa kudzakhala 5%, pakuwerengera kwina - 1%.

Muyenera kulipira kuti mugwiritse ntchito khadiyo kuchokera450 ma ruble pamwezi... Komabe, ngati mumalipira ndalama chaka chonse nthawi imodzi, banki ikupatsani kuchotsera ndipo mtengo wa khadi panthawiyi udzakhala 4 500 Ma ruble.

Kuphatikiza apo, ngati ngongole ya tsiku ndi tsiku ndiyocheperako 100 000 Ma ruble kapena zotuluka pamwezi zimadutsa 50 000 Ma ruble, ntchitoyi ndi yaulere kwambiri. Palibe Commission yomwe imalipidwa popereka zidziwitso za SMS.

Ndi khadi "Kukhazikika" ndalama zowonjezera zimaperekedwa mwa mawonekedwe chiwongola dzanja... Ngati ndalamazo zili zosakwana 750 000 ma ruble adzaperekedwa 6% pachaka, zambiri 750 000 ma ruble - 2%.

Kuphatikiza pa khadi, ntchito ya inshuwaransi... Bonasi ina yothandiza ndi ndalama zambiri... Ntchitoyi imakupatsani mwayi wolipira makhadi mumtundu uliwonse wa ndalama.

Na. 5. Khadi lovomerezeka "Otkritie-Rocket"

Rocketbank ndi amodzi mwa mabungwe oyamba kubweza ngongole ku Russia. Poyamba, zinali pulogalamu yam'manjazomwe zimalola makasitomala kugwiritsa ntchito zida zofunikira zachuma.

AT 2016 Rocketbank idapezeka ndi bungwe la ngongole Kutsegula... Ngakhale kuti bankiyi ili ndi zotsatsa zochepa, pali zinthu zomwe zapeza chidwi chambiri kuchokera kwa ogula. Choyamba, ndi khadi la debit "Otkritie-Rocket".

Kubweza ndalama kwa pulasitiki amene akufunsidwayo kumafika 10% za ndalama zomwe zagwiritsidwa ntchito. Nthawi yomweyo, palibe kudalira pagulu lazogulitsidwa kapena ntchito.

Wina mwayi khadi ndi mtengo wotsika-wokonza... Per SMS-zidziwitso ziyenera kulipidwa ndi 50 rubles mwezi uliwonse. Ntchito zotsalazo zimaperekedwa kwaulere. Kuphatikiza apo, ndimakhadi omwe mungapeze ndalama zowonjezera mu 8% pachaka pazama akaunti.

Mmodzi yekha kuipa Chogwiritsidwa ntchito ndikuti kulembetsa kwaulere ndi kutumiza ndizotheka kwa okhawo okhala m'mizinda yayikulu. Ena onse ayenera kulipira kuti abweretse kapena kutaya lingaliro lakupereka khadi loterolo.

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Pali chiwerengero chachikulu cha kubweza ndipo makhadi obweza ndalama *... Aliyense atha kupeza mwayi womwe ungakhale wopindulitsa kwambiri kwa iye.

* Kuti mumve zambiri zamomwe mungagwiritsire ntchito makadi apulasitiki, onani tsamba lovomerezeka la mabungwe azangongole.

6. Mayankho a Mafunso Ofunsidwa Kawirikawiri (FAQ) 💬

Mukamadziwa mutu wamakhadi akubanki omwe amabweza ndalama, owerenga amakhala ndi mafunso ambiri. Kuti tisunge nthawi yanu, mwachizolowezi timapereka mayankho kwa otchuka kwambiri kumapeto kwa nkhaniyi.

Funso 1. Kodi makhadi akubanki omwe amabweza ndalama amapindulitsa?

Tazindikira kale kuti kubweza ndalama ndi chiyani. Chofunikira chachikulu cha lingaliro ili ndikubwezera gawo la ndalama zomwe zimagwiritsidwa ntchito pogula pogwiritsa ntchito khadi yakubanki.

• Mbali imodzi ndalama zonse zobwezeredwa nthawi zambiri zimakhala zopanda pake, siziposa pa avareji 1%.
• Mbali inayi mutha kubwezeredwa ndalama zambiri ngati mumalipira ndi khadi ndi anzanu aku banki. Poterepa, kukula kwa kubweza ndalama kumatha kufikira 10%.

Ntchito yobweza ndalama imatha kuperekedwa kwa onse kubwezandi makhadi a ngongole... Komabe, ambiri samvetsetsa chifukwa chake mabanki amapezeka kuti ndiowolowa manja, komanso ngati makhadi ngati amenewa atha kupulumutsa ndalama.

M'malo mwake, mwayi wobwezera ndalama pamakadi ndi kutsatsa koyenera kochokera kumabanki.

Kubweza ndalama kumakupatsani mwayi waukulu kukulitsa ↑ kuchuluka kwa makhadi akubanki omwe atulutsidwa. Ngakhale iwo omwe kale anakana kugwiritsa ntchito makhadi pazifukwa zosiyanasiyana amasankha kupereka chida ndikubwezera gawo lina logula.

Makhadi omwe ali ndi kubweza ndalama ndi othandiza kwa omwe mumakhala nawo kubanki. Mabungwe ogulitsa oterewa mothandizidwa ndi chida chomwe chatchulidwa kwambiri kuonjezera ↑ kufunika kwa katundu ndi ntchito.

Komabe, eni makadi omwe ali ndi kubweza ndalama sayenera kuganiza kuti amangopereka phindu. M'malo mwake, izi sizikhala zoona nthawi zonse pazifukwa izi:

1. Nthawi zambiri mtengo wogwiritsira ntchito khadi ndi kubweza ndalama apamwamba ↑ kuposa akale. Komabe, kusiyana kumeneku nthawi zambiri kumakhala koperewera ndipo sikudutsa 300 Ma ruble. Ngati khadi yokhala ndi kubweza ndalama imagwiritsidwa ntchito mwachangu, kusiyana kotere kumakonzedwa mwachangu pobweza.
2. Ndikofunika kuwerenga mosamala zochitika zamakhadi... Sizachilendo kuti kuchuluka kwakubwerera kanthawi kochepa kwakanthawi.
3. Mabanki ena amapereka zina ndalama zolipira kubweza... Kubwezeredwa kumangofika pamlingo waukulu pokhapokha ndalama zina zikagwiritsidwa ntchito pamwezi.
4. Nthawi zina, ndalama zomwe zimalandilidwa zimatha kugwiritsidwa ntchito kulipira mndandanda wazinthu zochepa zantchito ndi ntchito.

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Musanapereke khadi, ndikofunikira kuti muwerenge mosamala kuchuluka kwa zotsatsa pamsika ndikusankha zomwe zili zabwino kwambiri, komanso ndalama zomwe zimabwezedwa kwambiri.

Funso 2. Kodi ndi makhadi otani omwe ali ndi ngongole ndi kubweza kubweza komwe kumachokera mafuta komanso chidwi pa balansi?

Mabungwe angongole nthawi zonse amayesa kusanthula komwe makasitomala amawononga ndalama zawo zambiri pogwiritsa ntchito makhadi aku banki. Kwa eni ambiri a chida ichi, gawo lalikulu la mtengo wake ndikusamalira magalimoto.

Izi zikuphatikiza zonse ziwiri kugula mafuta m'malo opangira mafutandipo zolipirira kukonza ndi ziwalo zamagalimoto... Ichi ndichifukwa chake, kuti akope makasitomala ambiri, mabanki akuyesera kupereka makhadi okhala ndi ndalama zochulukirapo zamagalimoto.

Madebiti ndi ma kirediti kadi obweza ndi chidwi pa ndalama zomwe muli nazo - ndi iti yomwe ili yabwino kwa oyendetsa galimoto?

Musanasankhe makhadi omwe mungasankhe kubweza mafuta pamalo opangira mafuta, ndikofunikira kuti muphunzire mosamala zikhalidwe zoyambira pazinthu zoyenera. Kuti muchite izi, muyenera kudziwa momwe khadi yakubanki iyenera kukwaniritsa.

Choyamba, muyenera kulabadira izi:

1. Kukula kwa kubweza ndalama kokwerera mafuta. Ndikofunikira kuti mapu akhazikitsidwe ngati gulu lokondedwa malo okhala mafuta... Ndizofunika izi mukamathandizira makina ndizomwe zimakhala zabwino kwambiri, pazofunikira zina nthawi zambiri ndalama sizigwiritsidwa ntchito;
2. Kuchuluka kwa kubwezeredwa kwa ziwerengero zina. Zopindulitsa kwambiri ndi makhadi omwe, kuphatikiza pakubwezeredwa kwa mafuta, ena amaperekedwa. Sichiyenera kukhala ndendende mtengo wamagalimoto. Mabanki ambiri masiku ano amapereka ndalama kubweza pogwiritsa ntchito khadi yakubanki pazogulitsa zilizonse;
3. Low yokonza mtengo. Posankha khadi yokhala ndi kubweza, ndikofunikanso kuganizira kuchuluka kwa zomwe muyenera kulipira pantchito yake. Nthawi zambiri, ngati zingatheke, pezani zambiri kuposa 5% ya ndalama zomwe amagula, amene amakhala ndi makhadi amayenera kuwononga ndalama zambiri pachaka pokonza. Komabe, simuyenera kukana nthawi yomweyo kupereka khadi yolipira. Ndikofunika kufananizira mtengo wake ndi kuchuluka kwakobwezera ndalama. Izi zikuthandizani kuti mumvetsetse momwe khadi yotere ingakhalire yopindulitsa;
4. Kutheka kotulutsa makhadi owonjezera kwa abale am'banja. Ndizomveka kulingalira za kuthekera kopereka zida zowonjezera zolumikizirana ndi akaunti yayikulu. Njirayi imalola osati kokha kuonjezera ↑ kuchuluka kwa obwezeredwa kudzera mukugwiritsa ntchito ndalama limodzi, komanso kwaniritsani zomwe zatuluka pakakhadi ngati alipo;
5. Mulingo wazachitetezo. Ndikofunikira kudziwa kuti kudalirika kwa khadi yakubanki kumadziwika makamaka ndi komwe ngongole idapereka. Simuyenera kuchotsera izi kumaakaunti anu, chifukwa zili pa khadi laku banki pomwe pali ndalama zambiri zomwe simukufuna kutaya.

Pakadali pano, malinga ndi akatswiri, makhadi abanki abwino kwambiri obwezeredwa ndalama m'malo opangira mafuta ndi awa:

• Chimamanda Ngozi Adichie Lolani kukwera ku 10% ya ndalama zomwe zimagwiritsidwa ntchito pokonza magalimoto;
• Alfa Bank imapempha makasitomala ake kuti adzafike 10% ndalama zomwe zimagwiritsidwa ntchito pa mafuta;
• Gwiritsani banki amatulutsa ma kirediti kadi pobweza 3% ya ma risiti opangira mafuta.

Funso 3. Kodi mungapange bwanji ndalama pamakadi okhala ndi Cash Back?

Pogwiritsa ntchito makadi aku banki, eni ake adazindikira kale momwe angabwezeretse ndalama zochuluka kwambiri pa iwo. Kuchokera pamalangizo ambiri, tasankha 4 zothandiza kwambiri.

Malangizo 1. Tumizani makhadi akubanki okhala ndi magulu ofunikira

Atamva kuti banki imapereka khadi lobwezeredwa, ambiri mosazengereza amafunsira. Komabe, samalabadira za momwe amagwirira ntchito ndi risiti yobwerera.

Zotsatira zake, eni makhadi ambiri okhala ndi ndalama zobweza samalandira zabwino zomwe amafuna. Pofuna kupewa izi, ndikofunikira kufananiza zopereka osati mabanki osiyanasiyana, komanso ndi bungwe limodzi.

Zofunika! Muyenera kusankha khadi malinga ndi momwe magulu obwerera amakwaniritsira zosowa za kasitomala.

Mwachitsanzo, palibe chifukwa chofunsira khadi yobwezeredwa kuti mulipire mafuta pamalo osungira mafuta omwe alibe galimoto.

Ngati simulingalira za kuchuluka kwakubwezeredwa ndalama, simudzatha kubwezeredwa ndalama zambiri.

Malangizo 2. Perekani zokonda pamakadi omwe amapereka mabhonasi ena kuwonjezera pa kubweza

Posankha khadi yokhala ndi kubweza, ndikofunikira kuwunika osati kukula kwa kubwezeredwa, komanso kupezeka kwa ma bonasi owonjezera.

Ngati mutalipira ndi khadi, sizidzangobweza gawo lina la ndalama zomwe mwawononga, komanso kuti mupeze mabhonasi, izi ziphatikizanso zowonjezera.

Makhadi abanki oterewa amakulolani kuti mupindule nawo kawiri:

1. kubweza ndalamamwa kubwezera gawo la ndalama zomwe zimasinthidwa kulipira katundu ndi ntchito;
2. mabhonasi mwa mawonekedwe amalo ndi ma mile omwe atha kugwiritsidwa ntchito pazinthu zina.

Ndikofunikanso kuganizira kuti nthawi zambiri mapulogalamu a bonasi amapereka Nthawi yogwiritsira ntchito mabhonasi omwe achulukitsidwa... Chifukwa chake, muyenera kusankha khadi yotere, mabhonasi omwe mudzapezepo posachedwa.

Uphungu 3. Gwiritsani ntchito mwayiwu kupereka makhadi owonjezera ku akaunti yanu

Mabanki ambiri amakulolani kulembetsa zingapo makhadi owonjezera (pafupipafupi mpaka 5). Makhadi awa atha kugawidwa kwa abale.

Poterepa, aliyense wa iwo azitha kukhazikika pogwiritsa ntchito akaunti yonse yomwe makhadi onsewa amalumikizidwa. Zotsatira zake, kuchuluka kwa ndalama, chifukwa chake kubwezeredwa, kumakulitsa⇑.

Komabe, musanagwiritse ntchito mwayiwu, ndikofunikira kulingalira mtengo woperekera ndikusamalira khadi iliyonse yowonjezera. Ngati ndalamazo zimapitilira ndalama zobwezeredwa, sipangakhale phindu lililonse pamalangizo amenewo.

Langizo 4. Gulani limodzi

Kuti muwonjezere kuchuluka kwa zomwe zawonongedwa pa khadi, chifukwa chake kuchuluka kwa kubwezeredwa, mutha kupanga bungwe kugulira limodzi ndi abale, abwenzi, anzawo... Kapenanso, mutha kuwaitanira kuti adzagule pamndandanda.

Pamapeto pake, aliyense adzapindula:

• wosunga makhadi adzaonjezera ndalama zobwezeredwa ↑;
• ogula nawo limodzi amapulumutsa nthawi pamaulendo ogula.

Makhadi obweza ndalama akuchulukirachulukira. Komabe, mudzangopeza phindu lenileni kwa iwo ngati mupanga chisankho choyenera. Kuphatikiza apo, ndikofunikira kulandira upangiri wa momwe mungakulitsire kukula kwa ndalama zomwe mwalandira.

Pomaliza, tikukulangizani kuti muwonere kanema wonena za kubweza ndalama momwe mungagwiritsire ntchito moyenera:

Ndizo zonse kwa ife. Tikulakalaka owerenga athu azigula ndi ndalama zambiri, kuti abwezeretse ndalama zambiri pamakadi awo!

Gulu la webusayiti la Ideas for Life lidzathokoza kwambiri mukasiya ndemanga zanu pa nkhani ili pansipa, kugawana malingaliro anu ndi zomwe mwakumana nazo pamutu wofalitsa, komanso nkhaniyi ndi anzanu. Mpaka nthawi yotsatira!

Onerani kanemayo: What is NDI? (July 2024).