Bank "Ugra": mlinganiselo yokhuseleko kunye noluhlu lweenkonzo

"Ugra" ibhanki yabucala Russian yasekwa ngo-1990. Ukukala lo mbutho uphezulu kakhulu. It is on indawo 29 phakathi iibhanki eziphezulu Russian. Noko ke, impumelelo kunye neenkonzo zakhe, nceda usixelele ngakumbi.

Ngokufutshane malunga umbutho

Njengoko kukhankanyiwe ngasentla, "Ugra" umlinganiselo kweebhanki ephucukileyo. Kwaye akhula rhoqo. Ngakumbi nangakumbi abantu uthembe imali yabo ebhankini. Okwangoku, umthamo yebhanki "Yugra" iiasethi 323 280 466 000 engange. Ngoxa kwinyanga yokugqibela kaNovemba, ingeniso inyuke nge-4.41% - ukuya 13.65 yezigidi.

Yasungulwa kummandla Tyumen. Izinze eMoscow. Okubangel 'umdla kukuba, i "Ugra" yokuqala iye yavela njenge uhlobo' supplement "kwi" Promstroibank "USSR. Noko ke, ngo-1992 lo mbutho similise yinkampani eqhiwukileyo, ebe waziwa ngokuba ibhanki yorhwebo joint-stock. 3 iminyaka kamva, ngowe-1995, "Ugra" ujoyine USWIFT - Society for Overnight Worldwide inkqubo yokwenza iintlawulo kunye nokudlulisela ulwazi. Yaye ekubeni 1999, umbutho waqalisa ukuba bavelise amakhadi abo ibhanki kagesi / Maestro kunye Eurocard / Mastercard.

Kodwa amakhulu 'sitsibe "ngokwenene ekukhuleni kwenzeka ngo-2013. Ngaloo nyaka, izinto ibhanki zinyuke nge izihlandlo 38. Ngokwendalo, umbutho "Bank of Ugra" sokulinganisa kwakhona landa - ukusuka th 261 ukuya 28 kwindawo th. Kunye negalelo koku, ikakhulu, abantu ngenkuthalo aqalise ukwenza iminikelo.

bamxolele

Njengoko kubonakala, okurhafisa ibhanki ngayo "Ugra" kukuthembeka (ngokutsho Central Bank) kuhle kakhulu. Kwaye ke inqanaba creditworthiness yentlangano isiqina - "A". Ukongeza, ngaba Ophumelele iimbasa ezininzi kwicandelo zemali.

Ngokomzekelo, ngowe-2015 wanikwa imbasa "Financial Elite of Russia" kwi nomination "Bank of the Year". Ngo-2014, "Ugra" Wacelwa. Kodwa ke wafumana ibhaso esinye isigaba, leyo ibizwa ngokuba "Kukho unxulumano yophuhliso."

Kwakhona, ibhanki wawongwa nebhaso lesizwe entsimini ishishini "Company of the Year" kuba amandla kunye namathemba. Ukanti "Ugra" uphumelele kwisigaba "yoMmandla Bank." Kodwa omnye mbasa, eyaziwa ngokuba "Olympus Financial".

Invest bese uhola

Kwaba nale njongo, abantu abaninzi baya ebhankini "Ugra". Ukukala le ibhanki sidima, kwaye kungoko Unokukholwa na kuyo. Ukongeza, abaxhasi zenziwa ngamaxabiso amahle kakhulu.

Ngokomzekelo, igalelo "kunyaka Luyingenelo." Ifumaneka zemali ezintathu - engange, zeerandi kunye euro. Elona sixa-mali - 100 000 engange ($ 1500 okanye 1000 €). Kubaluleke kakhulu buyanceda ukuvula idipozithi iintsuku 367. Ngoko ke pesenti eliphezulu. kuba khona imali engange yi 8.4% ngonyaka (ukuba umntu phezu yi ngaphantsi kwe-300 000) kunye 8.5% (ukuba imali sedipozithi phezu TR 300).

Kwaye ke kukho uluhlu lwamaxabiso "obukhulu". Kusilungele, kubaxumi etyebileyo. Isixa wediposithi kufuneka ube sisiqingatha sesigidi engange, kwaye ubuninzi -. Million 20 Isicombululo ingabizi kakhulu - ukuvula ukuba iintsuku 151-180. Kulo mzekelo, sicebisa izinga kuFeliks - 9.2% ngonyaka. Ukuba, umzekelo, umntu uye imali 20 yezigidi ezili-180, ekupheleni kweenyanga ezintandathu (ukuba ngeenxa), uya kufumana ngaphantsi kancinane kwama-920 amawaka engange yenzuzo ukusuka umdla. Yintoni ngokwenene ke ingeniso elungileyo kwisixando sokwenziwa.

mortgage

Ekubeni izindlu kubalulekile ukuba umntu ngamnye, kodwa imali efunekayo ukuthenga yayo ngokwaneleyo zonke, abaninzi bakhetha ukuba athathe mboleko. Inani elikhulu labantu babuyelayo ebhankini "Ugra". Ukuthembeka Rating abahloli, kunye neemeko ngaphaya.

Abantu bakhuthazwa ukuba bathenge, ukupheka, kunye zezindlu ezakhiwayo. intlawulo Down - ukususela-20 ekhulwini. Ukuba kuthengwe yenziwe ngusomashishini zabucala, ubukhulu balo liya kwanda ukuya ku-50%. Iziqulatho mortgage angafuneka kwithuba leminyaka emithathu ukuya amathathu. Imali mboleko Ubuncinane yi-300 000, ubuninzi - 10 million. A ngokohlelo intlawulo yokuqala ayikho, kodwa kuyimfuneko ukuba inshorensi mhlaba uthengiweyo.

Ibhanki "Yugra" isikali ngokwe-mortgage ulungile. Lo mbutho ubandakanyeka ukuphunyezwa kweenkqubo zommandla federal ukunika abemi izindlu, ngoko akukho sizathu ukuba sithembele kuye. Kodwa iimfuno kubaboleki - njengokuba kwenye indawo. ngabemi Russian, ubhaliso yokuhlala, ubudala esemthethweni (engama-21), ubuncinane emfundo aphakamileyo, amava ubuncinane ngonyaka, kwaye endaweni yokugqibela - kwiinyanga ezi-6.

Ukuze ezinkampani

Bank "Ugra" kwi ukalisho yeebhanki kuthatha eqinileyo. Ngeendlela ezininzi - ngeendleko ukuzithemba iinkonzo zayo corporate, abaqhubekayo ukuba basebenzise ngenkuthalo iinkonzo zayo.

Bayakhuthazwa liboleke abanye, imali ityala, elinguvimba, umthengisi kunye zebhanki ekude, ulawulo utshintshiselwano lwangaphandle, ukufumana, documentary iintengiselwano kunye namakhadi ubhaliso kunye ngamaxabiso. Inkonzo yokugqibela yi ngokukodwa kwimfuno. amakhadi Credit - indlela enkulu esweni iindleko corporate. Enkosi kubo, akukho mfuneko ukugcina ukuqokelela imali, kwaye ugcine iirekhodi eneenkcukacha wokumelwa kwakunye zokuhamba iindleko lweshishini. Kukho iiprojekthi ezintathu - emivuzo (ukuba intlawulo yabasebenzi neyanelisayo), olumanyeneyo (iindleko inkampani ulawulo), kwaye umqokeleli (ukutshintshela iimali ezinkulu ukuya iingxelo koosomashishini ngamnye kunye amaqumrhu asemthethweni nge-ATM).

ezinye iinkonzo

Kananjalo kubalulekile ukuba siqaphele ukuba amaziko amaninzi zemali nebhanki "Yugra" sakujika. Yiyiphi indawo apha ukalisho kweebhanki Ukuhlelwa - sele kutshiwo ngasentla. Yaye ke amaziko zemali inqanaba eliphezulu hlobo trust. eyalelwa ukuba nomtsalane kunye nokubekwa kwemali kwimarike yezemali (kokubini imali Russian kwaye amazwe), indlela-2 kuchaphulo olu kwezixhobo zemali, ukuvulwa kwe-akhawunti ngezemvelo, iinkonzo elugcinweni, iinkonzo labarhwebi, izibambiso zentengiselwano, kwaye ngaphezulu.

Ibhanki "Yugra" enyanisweni inganikeza lukhulu luncedo ngakumbi. inkonzo nganye ngendlela yaso kuyingenelo yaye ulungile. Kodwa eyona nto ibalulekileyo - isebe ngokwenene bangathenjwa. Yaye isibakala sokuba amashumi amawaka abantu basebenzisa iinkonzo zalo - isiqinisekiso ngqo.