Ikhadi lokubhadela elikhethiweyo "Halva": ukuphononongwa, imiqathango, kunye neepesenti

I-Sovcombank yenze umkhiqizo omtsha weentengo zemboleko evumela ukuba kuthengwe iimpahla ezahlukahlukeneyo kunye neenkonzo ezinetyala. Leli khadi le-installment "Halva". Iingxelo ziqinisekisa ukuba kukho ubuninzi beenzuzo kubanikazi babo. Le nkqubo ikuvumela ukuba kube lula ukufumana izitolimende zeempahla. Imigaqo yoyilo kunye nokusetyenziswa kwayo iya kuchazwa kwinqaku.

Malunga neBhanki

I-Sovcombank liziko elikhulu lezemali laseRashiya, eliphakathi kwe-19 kwilizwe elilinganiselweyo ngokwempahla. Umbutho uthatha imali kubathengi abatsha kwaye idala iimveliso ezahlukileyo. Ngoku abathengi banikezelwa ngeenkonzo ezininzi ezahlukeneyo: idiphozi, iimboleko, ukubhaliswa kwamakhadi. Kwiprogram nganye, iimeko ezifanelekileyo ziyabonakala.

U-Sovcombank wayengowesibili eRussia ukukhupha amakhadi e-installment. Ukuthenjwa kuboniswa ngokuthatha inxaxheba kwi-inshurensi yenkqubo yomshuwalense. Unokugcina imali yakho ngokuphepha. Ezinye iintlawulo nazo zinikezelwa.

Kodwa ngaba unako ukufumana inzuzo ekugcinweni kwemali? Wonke umntu ukhetha ukhetho olufanelekileyo: omnye ubeka imali kwidiphozithi, enye ivula i-akhawunti yensimbi, kanti abanye-badlala kwimakethi yokushintshaniswa kwamanye amazwe. I-Sovcombank inokubonelela ngemali yayo ngexesha elithile. Ngoko ke, ikariti yokufaka isitifiketi "Halva" yadalwa.

Umxholo wekhadi

Isiboniso, isicwangciso sokufakelwa "iHalva" eSovcombank ibhanki eqhelekileyo ene-chip, kodwa ngeempawu ezihlukileyo. Kukhona umda wekhredithi kuwo, obekwe ngamnye kumthengi ngamnye. Ubukhulu bayo bunqunywe ngesiseko sohlalutyo lomntu obolekayo. Ukubhalisa udinga isatifiketi yengeniso.

Awukwazi ukuhlawula imali. Iakhawunti yekhadi iyazaliswa, kuba kunjalo ityala elihlawulwayo. Ikhadi isebenza kwiivenkile zamashishini kunye nefowuni engenabhaliso-free. Abaninzi banomdla kwizinto ezikhohlisayo kwikhadi le-installment "Halva"? Enyanisweni, i-Sovcombank isebenzisana neenkampani ezithembekileyo, apho abathengi banokuthenga izinto. Abahlali bahlawula ikhomishini ebhanki, kwaye ufumana abathengi abatsha. Kwaye abasebenzisi bangathengisa iimpahla kwimigangatho efanelekileyo. Intsebenziswano enjalo inenzuzo kubo bonke.

Iifakelo

Thenga izinto kunye neenkonzo kuphela kwiinkampani zaseSovcombank. Imephu inesiza sayo, apho ungayifumana inkcazelo malunga nemibutho, kunye nemigangatho yezitolimenti kuwo wonke umntu. Umda ungasetyenziswa kuphela kwimisebenzi eyenziwa ngamalingani, kwezinye izitolo awukwazi ukuhlawula.

Ikhadi isetyenziselwa kuzo zombini izitolo eziqhelekileyo kunye nee-intanethi. Le yintlawulo efanelekileyo yempahla okanye iinkonzo. Akukho mfuneko yokuhamba nayiphi na amanyathelo angaphezulu. Kwanele ukukhetha impahla, uyihlawule. Umlingani ngamnye unemigangatho yakhe yezitolimende-ukusuka kwiinyanga ezi-1 ukuya kwezi-12. Ngokuqhelekileyo isithuba seenyanga ezi-3 sisetyenziswe.

Emva kokuthenga, ulwazi luvela malunga nokuthengwa okwenziwe ngetyala. Ubonisa ishedyuli yeminikelo kunye nenani lentlawulo yenyanga. Unako ukwenza iimpahla ezininzi, kwaye usebenze ngamnye uya kubelwa ngokwahlukileyo.

Imithetho yoyilo

Isicwangciso sokufaka isitifiketi esithi "Halva" esivela ku "Sovcombank" sinikezelwa kubo bonke abemi abahlangabezana neemfuno eziliqela:

• Ubudala - iminyaka engama-20-75;
• Ukubhaliswa kunye nokuhlala kwisixeko sebhanki okanye kumgama wama-70 km ukusuka kuyo kwiinyanga ezi-4;
• Ingqesho ngaphezu kweenyanga ezine;
• Ubuninzi befowuni-imoto okanye indawo.

Indlela yokufaka isicelo sekhadi lentlawulo ye "Halva"? Ukuze uyifumane, kufuneka usebenzise iSovcombank ngesitatimende. Kodwa unako ukusebenzisa i-intanethi.

Ukuqhagamshelana newebhusayithi

Ukuphononongwa kwikhadi yokufaka isitifiketi "Halva" kubonisa ukuba kulula ngakumbi ukusebenzisa i-intanethi, kuba likhawuleza. Kufuneka ichonge ulwazi lomntu, indawo yokuhlala kunye nolwazi lokuqhagamshelana naye. Umqeshwa webhanki uya kuthetha malunga nemigomo yokusetyenziswa. Kukho isheke sokuthotyelwa, ukwaziswa kwoluhlu lwamaphepha. Kodwa ukuzalisa le khweshine usasafuna ukutyelela iofisi.

Emva kokudlula le nkqubo, ikariti yesitofu "Halva" iya kukhutshwa. Impendulo iqinisekisa isivinini sokubhalisa. Ngokuqhelekileyo, imbali yokuboleka kunye nokuvavanywa kwengeniso yomthengi ihlolwe. Kufuneka kuphela ukubonisa ulwazi oluyisiseko xa kuthelekiswa namanye amabhanki.

Isigqibo sokubonelela ngekhadi samukelwe ngosuku lokuqala lomsebenzi. Umxhasi ufumana isaziso sokuvunywa okanye ukukhishwa. Ngokuqhelekileyo isaziso samukelwe ngeSMS okanye ngefowuni. Emva kokufumana ukusetyenziswa kwekhadi akudingeki.

Amaphepha

Isicwangciso sokufakelwa kwe "Halva" eMoscow nakwezinye iidolophu zikhutshwa phantsi kwepasipoti. Ngamanye amaxesha kuyadingeka ukuqinisekisa ukuthungulwa. U-Sovcombank ucela la maxwebhu alandelayo:

• Ilayisense yomqhubi, isatifikethi somhlalaphantsi, i-SNILS;
• I-Reference 2-NDFL;
• Iphepha kwipropati.

Iimeko

Kukho inzuzo kunye neengxaki zekhadi lokufakelwa "Halva". Zifanele ziqwalaselwe ngaphambi kokuba zenzele inkqubo yebhanki. Iimiselo zefowuni yekhadi elithi "Halva" zilandelayo:

1. I-MasterCard Yehlabathi kunye nekhompyutheni ye-PayPass.
2. Lwemali yelizwe.
3. Linganiselwa kuma-ruble angama-350 amawaka.
4. Ikhadi isebenza iminyaka emi-5.
5. I-Cash Bask - 1,5%.

Umlinganiselo ngowama-0%, kwaye emva kokuphela kwexesha lobabalo lilingana no-10%. Imigaqo yokuhlawula ngeefowuni kwikhadi elithi "Halva" lingumgangatho kubo bonke - ukuya kwiinyanga ezili-12. Kwimeko yokulibaziseka, isohlwayo esingu-0.1% ngosuku lusebenza. Intlawulo yokuqala kuyenziwa ngaphandle kwee-commissions.

Kwizinto ezincinci, kukho inani elincinci labalingani. Ukufumana ikhadi, kuyimfuneko ukuthobela iimfuno zebhanki. Ibhanki ikwazi ukuzimela ngokuzimeleyo umda weekhredithi.

Isixa semida sivunyiwe ngesicelo somthengi, siboniswe kwisicelo, kunye nokuphononongwa kweempawu zayo. Imboleko ivuselelwa. Emva kokuhlawula iintlawulo, umsebenzisi unokufumana imali efanayo. Nangona kukho inzuzo kunye nexhala kwikhadi yokufakelwa "Halva", kodwa kunokuba luncedo.

Ukuziphendulela

Unokwenqaba imephu "Halva". Kule nto kufuneka ufake isicelo kwi-ofisi yebhanki kunye nesicelo. Emva koko kufuneka unikwe ikhadi kumqeshwa owenza intshabalalo. Emva kweentsuku ezingama-45 i-akhawunti ivaliwe.

Abalingani bethu

Xa uthenga kumaqabane kwizitolimende, iindleko zemveliso zahlula ngenani leenyanga ezichazwe ukubuyiswa kwetyala. Esi sibonakaliso yintlawulo encinci. Ukuba kukho izikhohlakeleyo kunye neentlawulo, zifakwe kwi-intlawulo efunekayo.

Abalingani baquka:

1. "M-vidiyo."
2. Samsung.
3. Lamoda.
4. I-Iceberg.
5. Yiyo: Gcina.
6. Sony Centre.
7. Sela.

Ukukhupha

Ngokutsho kokuphononongwa kwiplani yesiteyishini "Halva" kucacile ukuba abanikazi balo bafumana i-extract nganye nyanga , evumela ukulawula ukuhlawulwa kwetyala. Kufuneka ukuba:

• Ulwazi oluqhelekileyo - inombolo yamakhadi, usuku lokuqinisekisa, umda, ityala, ukubambezeleka;
• Ulwazi malunga nobuncinci - inani, umhla wokugqibela wentlawulo;
• Ukuqokwa kwamagama - amagama ezithengiso, iimali zetyala ezihlawulwe kunye neenyanga eziseleyo zezitofu, lonke ityala.

Le nkcazo ikuvumela ukuba ulandele iintlawulo, uhlawule ngexesha elifanelekileyo lemali efunekayo. Ukuba kukho nayiphi na imibuzo, kunokwenzeka ukuba ucele ukuthengiselana. Ukusebenza okunjalo kubiza iiruble ezingama-300, kunye nophando kunye nokuqwalaselwa kwamabango-1000.

Iikhomishini

Amaxabiso alandelayo asebenza ekhadini:

• Akukho ntlawulo yokuhambisa;
• Inkonzo yamahhala;
• Ukuqala kwakhona - ii-ruble ezingama-450;
• Ukuhlolisisa ibhalansi kwi-ATM yeSovcombank-ezamahala, kunye nabanye-i-ruble 10;
• Ukuzaliswa kwe-ATM - akukho khomishini, ngokusebenzisa i-cashier-100 ruble;
• Unako ukurhoxisa imali kwiimali zakho;
• Ukutshintshela kwamanye amakhadi kwibhokisi yeofisi okanye kwi-intanethi - ngaphandle kwekhomishoni, nakwezinye iintlangano - 2.9%;
• I-SMS yamahhala-ukwazisa.

Ungakwazi ukulawula ityala kwaye uphathe i-akhawunti usebenzisa ihinethi yakho kunye nesicelo seselula. Ezi nkonzo zikhululekile. Ukungena ngemvume kuboniswe kwisivumelwano, kwaye iphasiwedi inikezelwa yiSMS emva kokuba ikhadi linikezelwe.

Ukuhlawula ityala

Ngokutsho kokuphononongwa kwikhadi lokufaka isitifiketi "Halva" kucacile ukuba abantu abaninzi basebenzisa le mveliso yekhredithi. Unako ukwenza imali ngeendlela ezininzi:

• Ngebhanki ye-Intanethi;
• Kusuka kwelinye ikhadi;
• Ngamaziko emali;
• Ngethuba leRashiya.

Kuphela okukhethwa kukho okukhululekile. Ukuba usebenzisa iinkonzo zabaphathi okanye izibonelelo ezingengabaseSovcombank, uya kufuneka ukhokhe ikhomishini.

Ikhadi elithi "Halva" liyadingeka ukuhlawula ukuthengwa kwisicwangciso sezitofu, esingenakunyusa umdla. Ngenxa yale njongo, imimiselo nganye ivunyiwe: mboleko kunye nexesha lobabalo. Uluhlu lwabalingani bebhanki landa. Ngoku kukho amaziko angaphezu kwe-1000 eenkonzo, iivenkile neevenkile, apho amakhadi anjalo avunyelwa ukuhlawula. Ukuze ugweme ukuhlawulwa ngaphezulu, kufuneka ufunde iimeko kunye neziphakamiso zamaqabane, qhathanisa amaxabiso, kwaye wenze imali efike ngexesha.

Ukurhoxiswa kwemali

Kusuka kwikhadi unokukrazula imali kuphela. Oku kwenziwa ngaphandle kwekhomishini kwizixhobo ezizodwa. Ukufumana imali, kufuneka uhambe ngamanyathelo alandelayo:

• Faka ikhadi kwi-receiver;
• Faka ikhowudi yepini;
• Cofa kwi candelo "Ukuhoxiswa kwemali";
• Faka imali;
• Thatha ikhadi, imali kunye netshekethi.

Ezinye iimali-mboleko

I-Sovcombank inikezeli kuphela izitifiketi kumakhadi, kodwa neengxowa-mboleko:

1. Ikhredithi yemali - ukusuka kwi-12%. Abaxhasi kufuneka babe nobungqina bemivuzo. Abapensheni bafuna kuphela ukubonelela ipasipoti kunye nesitifiketi somhlalaphantsi. Isixa singafikelela kuma-ruble ayi-100. Ikhutshwe iinyanga ezili-12.
2. Imboleko egcinwe ngokuzenzekelayo-ukusuka kwi-17%. Imali ikhutshwa ngeenjongo ezahlukeneyo. Isixa salo si-50 000 - 1 million rubles. Ixesha lingaba liinyanga ezili-12-60.
3. Imali-mboleko "Ukudibanisa uxanduva" - ukusuka kwi-19.9%. Ikhutshelwe kubini kunye nabathengi bebhanki ababonelele isatifikethi semali engenayo, ikopi yomsebenzi okanye ireploma yemfundo. Isixa singabakho kwii-ruble ezingama-40-200 zamawaka. Ixesha leenyanga ezili-12-36.
4. "Ipensheni kunye" - ukusuka kwi-19.9%. Inikwe ukusebenzela abasebenzi abangenabasebenzi base-85 ukuya kwi-85. Akuyimfuneko ukubonelela iingxelo kunye nezibheno. Isixa singama-ruble angama-40-299 amawaka.
5. "Standard Plus" - 24%. Imboleko ikhutshwe ngeenjongo ezahlukeneyo. Ubungqina bemivuzo engadingeki. Isixa semali eyi-40-300 lamawaka.

Izinketho ezifanayo

Iimeko ezifanayo zibonelelwa ngekhadi yesitifiketi "Isazela" kwiQIWI-Bank. Zomibini iimveliso zinokufana-ukusetyenziswa kwemali ngaphandle kwenzala yokuhlawula kwiivenkile zamashishini. Kodwa kukho ukungafani:

• Iintlawulo ezahlukeneyo;
• Ukwahlukana kwinani kunye nokuhlukahluka kwamaqabane.

Ikhadi leHalva lingasetyenziselwa ukuhlawula iindleko. Le mveliso yasebhanki iya kunceda nangaliphi na ixesha, xa ufuna into enokukhawuleza ukuyithenga, kuba unokuhlawula kamva.