"Delta Bank": ncomo zabathengi kunye nabasebenzi

Nangona imbali yawo emfutshane, "Delta Bank" liye ngokukhawuleza ndizuze udumo phakathi kwabantu. Abantu abane iziko eliphantsi elinengeniso ephakathi zemali uvumelekile ukuba kuthengwe iimpahla ngetyala okanye ukuboleka imali. lula Bank sisinde kwintlekele yoqoqosho eUkraine ngowe-2008. Namhlanje, Noko ke, kukho izinto ezigudileyo kangaka.

A incinane

PJSC "Delta Bank" yabhaliswa ngoFebruwari 2006. Ngexesha elifutshane wazuza ithandwa enkulu phakathi kwabantu. Umsunguli eziphambili uNikolay Lagun. Amaziko Financial baqala ukwandisa ngesantya esiphezulu wabulela lokuthenga. Phantse zonke iintsimbi store waba ngummeli wentlangano, zanikela ukuba akhuphe ngetyala kuba urhwebo. Amakhadi Credit - A Kamva, imveliso mtsha waqalisa ukusebenza.

Eli liziko jikelele PJSC "Delta Bank". Customer ingxelo ibonisa ukuba kukho odwa nokuba kukhutshwe iintlobo ngeentlobo iimveliso zemali. Kodwa ekuqaleni umsebenzi wayo isambuku iphothifoliyo kubanjwe mboleko yabathengi encinane. Mhlawumbi ngenxa yokuba ikwazile ukusinda kwamaxabiso ngo-2008. Ngapha koko, banokuchaphazeleka ikakhulu iibhanki ukuba ugxininiso kwi-mortgage kunye nemoto mboleko.

Malunga kwiziko zemali namhlanje ukuva ezinye iimpendulo. "Delta Bank" (Ukraine) iye womnatha olude olubanzi ofisi. Ngo-2014, 222 zamasebe kwilizwe liphela uyaziwa. Abaxhamli beenkonzo bebenakho ukuba lula ukuhlawula iimali-mboleko okanye imali ebhankini ngaphandle ikhomishini. bamakhadi kuphela wahlala aneliseke. Emva lonke uthungelwano-ATM zeziko zemali, sasisincinane kakhulu.

yokubolekisa kwabathengi

Iziko zemali Izinga esisiseko kwenza ukuba abemi kunye anengeniso ephakathi kunye ephantsi. Uzenzele Uboleke zeempahla ukuya ku-20 amawaka hryvnia. Baba mboleko ezilula yabathengi ngaphandle mali kubulawa. Abaninzi abathengi abonwabileyo, oko ngokusayina kuphela yokundwendwela kunye nekhowudi yokuchonga ibikukubonelela kuyimfuneko. yonke Inkqubo ye intengiselwano wathabatha imizuzu engama-40 kuphela. igcwalisa umthengi phandle isicelo iinkcukacha eziphambili, wamlinda uvavanyo impendulo ngetyala. Emva kwexeshana, umntu angaya ekhaya iimpahla ezithengiweyo.

Elona xesha lininzi apho oko kunokwenzeka ukuba akhuphe yomboleki yeentengo zemboleko, wayeneenyanga-36. iimeko ezaneleyo abathembekileyo ukuba wanikela "Delta Bank". Izimvo-mboleko kubathengi basala ubukhulu becala HIV. Ngapha koko, ngamanye amaxesha iziko zemali ukwenza iintshukumo ze wacela ukuthenga iimpahla kwi-0% APR.

credit cards

Credit Card - Ngo-2007, imveliso omtsha thaca kwi ebhankini. Ngoku ke abathengi ukuba bathenge impahla, akazange kufuneka uqhagamshelane ibhanki okanye kwindawo yentengiso. Imali maxa naliphi na ixesha lirhoxe kule akhawunti yetyala, okanye ukuhlawula evenkileni ngokusebenzisa terminal. amakhadi Credit zifumene ezininzi iimpendulo. "Delta Bank" (Ukraine) ekuqaleni enikiweyo iintlobo ezimbini credit cards. iimveliso jikelele ezifundiswa kubaxumi ubuyeleyo kwiziko yezimali okokuqala. Yaba ikhadi umda ngetyala ukuya ku-3000 UAH. kunye ngomyinge wenzala we-23% ngonyaka. Kwabakho imveliso zemali abathembekileyo. Le ikhadi lamatyala elibonelela abathengi esele Ngokubambisana ebhankini. Umda credit 5000 USD, kunye nezinga lenzala -. 19% ngonyaka.

Ngenxa kwikhadi zeplastiki iziko mali ikwazile ukwandisa ipotfoliyo yayo mboleko. Phantse wonke kuMthengi kanye wenza isivumelwano kunye ebhankini wahlutha, kwaye kananjalo wafuna ukukhupha ikhadi lamatyala. Ngo-2008, ukuyilwa amakhadi zeplastiki kwayekwa ngexesha lokudodobala koqoqosho. imveliso wabuya (kunye nezinye iimeko ezimbalwa) kuphela ngo-2010.

Ukubambisana ukutyala

Ukusukela ekusekweni kwayo, iziko zemali utsale abatyali-mali. iidipozithi contract kuyo zombini kazwelonke kunye lwemali amazwe. Baba ethandwa kwi ezininzi iidipozithi elide. Izigulana kufuneka ithuba lokuba abeke imali kwi-18% ngo-lwemali lwasekuhlaleni kunye yi-9% in amazwe. Ngethuba lobunzima kwezoqoqosho, amazinga enzala iidipozithi linyuke kakhulu. Abantu boyika ukuthemba imali yabo kumaziko zemali. Found indlela kubaxumi bayo, "Delta Bank". Izimvo abagcinisa ka-2008-2009 kuphela ukuva i ezintle. Ngapha koko, ukuba bekunokwenzeka ukwenza idipozithi ngohlobo lwemali yesizwe phantsi-24%! Abantu abo Musani ukuboyika le ntlekele, zaza imali yabo ebhankini, bakwazi ukwandisa kakhulu ikomkhulu labo.

mandundu kakhulu kwakunjalo ngo-2014. Abaxumi abo bayazoyika lwemali kazwelonke wavele waqalisa ukuphelisa iikhontrakthi zabo iidipozithi yokuqala. Umntu unako ukubuyisela imali. Kwaye umntu wathabatha imali epheleleyo kunye namhlanje. Ngelo xesha, yonke imali abagcinisa linyanzelekile ukuba babuyele i "Delta Bank". Izimvo yesibambiso ukuba esenziwa ngaphambili, ubukhulu becala HIV. Kwaye oku edibene nje kuphela kukhuphiswano umyinge wenzala, kodwa intsebenziswano kunye iidiphozithi Bank Guarantee Fund abantu bendalo. Oku kuthetha ukuba imali abagcinisa nganye kufuneka ibuyiselwe ngaphakathi 150 amawaka UAH.

Nokuthathelwa indawo kwi "Delta Bank"

Mortgage ukubolekisa kwiziko lemali baqalisa Nomnikelo kanye ekuqaleni umsebenzi wayo. Contents nalapho abasebenzi kuphela ekhethiweyo ityala. le mveliso zemali zikaRhulumente yaba kuphela ngo-2013. Kwanele unyanisekile iimeko banikela "Delta Bank". Nokuthathelwa indawo waba ncomo kuphela ezintle. Abantu abane engqesho esesikweni kunye nengeniso ezinzileyo unako ukuthenga indlu yokuhlala mboleko kwi-9% ngonyaka. Ubuninzi elithi mboleko - engama-15. Ngeli xesha, kwenzeka ukuba ahlawule ngokupheleleyo off ityala.

Kunye mortgages amazwe wacela ukuba benze isivumelwano, "Delta Bank". ncomo Customer ziye zisiba mbi kakhulu xa lizwe afumanana yintlekele yokudodobala koqoqosho. izinga lotshintshiselwano lwemali angaphandle ngokuchasene hryvnia wavuka, kwaye ahlawule intlawulo lincinane lwezindlu ayikwazanga nayo yonke into. Abantu abo ngexesha wabhenela ebhankini, waza wachaza imeko yam, waya kumhlangabeza: Imiqathango yamatyala ziye lula.

Loans Car

Thenga imoto mboleko usebenzisa i "Delta Bank" kungaba kwangoko 2006. Kodwa ke iziko zemali inika enye kuphela imveliso zemali kule ndawo. Abathengi ukuba athenge imoto kunye mileage 16% izavenge ngonyaka.

waza waqalisa ukukhutshwa mboleko iimoto ezintsha "Delta Bank" ukususela ngo-2010. ncomo Customer ngoko eyayigcwele HIV. Isizathu soku iimeko abanyanisekileyo ubhaliso yesivumelwano. Igama iphezulu mboleko yiminyaka 7. Kwaye umyinge wenzala yi ixhomekeke ngqo kwinqanaba ingeniso kunye imoto zabathengi lophawu, leyo ufuna ukuyithenga. Kwakukho kweminyaka kuphela. Ukugqiba isivumelwano ukuba iminyaka abathengi ukusuka kuma-25 ukuya kuma-60.

Ngo-2014, mboleko zemoto Kumiswe. IBhanki iqhubekile ukuba basebenzisane kuphela ezo abathengi kunye nabo izivumelwano ziphela ngaphambili.

akhawunti zangoku

"Delta Bank" waqalisa ukutsala ezinkampani ukuqala ngo-2010. Customer ingxelo ibonisa ukuba zoqoqosho baye bafuna ukuba bezimali amaninzi ezinokubakho kangangoko kunokwenzeka. Siye ukungena kwizivumelwano nemibutho eyahlukeneyo kunye iziseko. Abantu abaninzi baqala ukufumana umvuzo kwi iziko lemali ikhadi. Lo mgaqo mnye kucetywa ukuba kukhutshwe iintlawulo zentlalo-ntle "Delta Bank". ikhadi Pension reviews waba ezininzi. Uninzi abathengi nahlutha. Eneneni, phantsi imiqathango yesivumelwano ukuya encomekayo lweplastiki kufuneka zohamba. Kubonakala ukuba amakhadi umhlalaphantsi oqhelekileyo nawo ngemali.

abathengi akawuthandi kuphela ukungabikho ATM. Ukuzikhupha imali evela ikhadi ngaphandle kwenzala kunokuba kuphela ebhankini.

"Delta Bank". Impendulo evela kubasebenzi

PJSC "Delta Bank" yabasebenzi abaninzi abaselula - lithuba elikhulu ukuqala umsebenzi. Ulawulo abaphezulu yeziko mali isoloko ngqo kwi-nkqubo olukhoyo onyanisekileyo. Yiba ngezoqoqosho ebhankini ekwazi nabafundi abakunyaka wokugqibela zeeyunivesithi, ehamba calanye ezizodwa. Ukuze isebenze igosa mboleko, oko akuzange kufuneke ukuba imfundo kwinkalo yezoqoqosho. Into esemqoka ukuba le ndoda aqeqeshwa lula kwaye kwakha nobuhlobo.

Abasebenzi kwiziko lemali wayesoloko wathetha kakuhle ngaye. Ngexesha imali, abasebenzi ubuhlobo kunye namaqela corporate isigxina - ekufuneka kuba umsebenzi ogqibeleleyo?

ulawulo interim

Ngelishwa, ibhanki ayikwazanga kusinda kwentlekele ka-2014. Ukulawula yonke imikhosi bezama ukutsala iziko mali kwinqanaba yesiqhelo. Kodwa emali enkulu wayenze umsebenzi wayo. Kakade ulawulo yethutyana kwi "Delta Bank" yaqaliswa ngo-Matshi 2015. banegalelo Guest zibonisa ukuba imali yabo emva ngexesha lentlekele, yaye ukuba uphumelele, akuyi kuba lula. Kufuneka beme emigceni ixesha elide ukuze bafumane ukuqeshwa zobuqu kwinkokheli. Zezoqoqosho kusithuthuzela ukuba imali yonke abagcinisa 'ziya kubuyiselwa. Kuphela udinga ixesha.