Imali kwi-Czech Republic. Ancedisayo Bank Sberbank. Sberbank CZ

Sberbank yenye amaziko zemali kakhulu ezaziwayo-kakuhle. Noko ke, ukumelwa yayo wayengaziwa kuphela ngaphakathi Russian Federation kunye namazwe zangaphambili ico. Ba nakumba eYurophu. Umzekelo, kukho Savings Bank kwi-Czech Republic. Ulwazi oluninzi malunga ukumelwa yeziko mali, yaye siza kuqhubeka.

Umsebenzi kunye nemisebenzi ye-Savings Bank kwi Czech Republic

Kwathi kanti, kwi-Czech Republic of the Savings Bank sibazi ixesha elide. Kulapha ukuba abameli inkokheli zemali, kudala kwaziwa inxaxheba kurhwebo lwasemakhaya kweenkonzo zebhanki okokuqala ibhengeze ngokwayo ngo-1993. Emva kweminyaka emine kwi-Czech Savings Bank Ndifumene i-mvume ezisemthethweni, nto leyo evumela ukuba asebenze inkampani kwemfuyo joint ezimeleyo.

Kwaba ngoko ukuba amasebe yebhanki yokuqala avulwa eYurophu, ngokuthe ngcembe ihamba ibe womnatha yesebe.

Imbali Emfutshane ukumelwa

Okokugqibela, ukuba babange amalungelo abo Sberbank ikwazile ngoko nangoko emva ngokuthenga izabelo yeziko encinane ngetyala Austria phantsi igama Volksbank ngo-2012. Ngelo xesha, le yinxalenye yenkampani yorhwebo kuba nempembelelo kakhulu kwaye kakuhle eyaziwa iqela Österreichischen Volksbanken.

Emva koko kwabakho lenguqulelo ngokupheleleyo isakhiwo ngemali, yaye kamva ngonyaka walitshintsha igama. Ngokutsho iingcali inxaxheba rebranding, kwagqitywa ekubeni ukushiya zesithethe liyabonakala igama Sbarbanka. Ngenxa yoko, kwakukho ummeli ebizwa ngokuba Sberbank CZ.

ukuvulwa Grand, kwaye abathengi yokuqala

Emva kokuba kuthengwe kwizabelo lombutho ngentla iye yenziwa umsebenzi omkhulu ukulungiselela ulawulo ngokupheleleyo ufomato kuhlela. Yokuvulwa kwe-ofisi eyintloko Savings Bank, wathunyelwa kwenye kwizitrato umbindi Prague, zabanjwa ngoMatshi 20, 2013.

Ngexesha ukuvulwa ezintle eliqaqambileyo abameli mbutho wathi ngokucacileyo kwaye yandibonisa zonke ukubenza izakhono kunye neempawu yomsebenzi wabo. Wonke umntu angaya kwi-ofisi ze bazibonele ngokwabo inyaniso la mazwi. Ngaphezu koko, zonke iindwendwe yinto emnandi ngokohlobo unikeza zemali kakuhle, iinkqubo-mboleko enomtsalane kakhulu ngakumbi. ngovuyo Iindwendwe wavuma ukuba atyelele Savings Bank kwi Czech Republic.

ukumelwa Sberbank namhlanje

Emva kwethutyana isebe ngemali encinci Sberbank wakhulela womnatha isebe elincinane, wavula ezininzi iingongoma zentengiso kunye nezixhobo efakiweyo ezizodwa for self-nkonzo. Ngoko ke, ngeli thuba i-Czech Republic nje kwama-8 amasebe amakhulu ziko lamatyala, ezimbalwa iingongoma yokuthengisa kunye ATM 20 ezinjengeetheminali.

Na ukungangqinelani kwezinto imibala

Nangona ukufana ngegama kunye nemigaqo ngokubanzi ofisi aseYurophu kwakhona umehluko. Ingakumbi, bahambisana ne Nedlac ukuze imibala zethu zemali iziko langoku kwi logo kunye noyilo ofisi. Ngenxa yoko, iibhanki nkampani Sberbank kuyilo kumagumbi abo abambalwa baye emkile ibhanki eqhelekileyo leentyatyambo. Umzekelo, kwi kuluhlu nangona kukho imifino, hayi kangako.

Ngokuchaseneyo kubo kukho umbala omnyama kunye negolide. Ngokutsho ngawabo, ngumzekelo obalaseleyo i ibhodi enkulu phambi. Kukodwa abunjwe emnyama. Yaye umbhalo kulo yenziwe kusetyenziswa amagama ngegolide okhethekileyo.

utshintsho lombala elifana ezinxulumene ezibangela uxinezeleko. Isibakala sokuba ezinye zezi nkampani ye-Savings Bank avulwa kwiindawo ezibalulekileyo ngokwembali komzi. Ngaphezu koko, ngokwesithethe, baba ukuba ukuphazamisa lwefacade zezakhiwo. Ngoko ke kwaye kwagqitywa ukulungisa udweliso olunombala ngokusekelwe izakhiwo ezinemibala ezikhoyo.

zocando lwemida Iimpawu space

Ivula ofisi zabo Savings Bank (kwi-Czech Republic kuyaziwa kuphela ngabameli zaseDiaspora Russian, kodwa ke abantu bomthonyama) kunye nabameli balo wanikela ingqalelo ekhethekileyo izicwangciso zocando sithuba. Umzekelo, kwi-ofisi ezininzi kukho ezi nkalo zilandelayo:

• ekuhloleni;
• inkonzo umthengi;
• Self (apha zizixhobo for ezinjengeetheminali self-service);
• VIP.

Yonke imimandla ezahlulwe sisithuba umnqongo zilungiswe njengokuba compact kangangoko kunokwenzeka. Ngokutsho kubathengi ezininzi, Pao Sberbank ukwenza isithuba ofisi obutofotofo, apho kumnandi.

Umqobo wolwimi ahlulwa

Nangona iingcambu Russian ubudala ubudala, abasebenzi Sberbank becala ukuthetha Czech. Nakuba kunjalo, ngenxa yokuba i-Czech Republic ilikhaya kwezinye iintlanga, kwaye kwagqitywa ekubeni ukuqesha abasebenzi IsiNgesi abathetha. Kwakhona kwi imeko kwamasebe yebhanki kukho abaphathi Russian-lothethayo. Yeyiphi lula kakhulu ireferensi entlanganweni abakhenkethi okanye iindwendwe ezivela Russian Federation.

Ukuba oyifunayo, iindwendwe nangoko ukutyelela Savings Bank kwi Czech Republic. Credit apha, ukuba ukuzoba qho eqhelekileyo. Ukuba udinga imali yendawo, kube lula zingafumaneka. Ibhanki kwenziwe iintlobo kwintengiselwano, kwakunye nkonzo isebenza transfers ngamazwe. Kunye nokugcina ucoco-baseRashiya, ukuba unqwenela njalo, ungakwazi ukuthatha inxaxheba abaphathi Russian-wakuthethayo Savings Bank.

Zeziphi iinkonzo ezinikezwa yibhanki?

Pao Savings Bank okwangoku linikezela ngoluhlu lweenkonzo zebhanki ezenzelwe abantu kunye nemibutho esemthethweni. Phakathi imisebenzi zebhanki yombutho esilawulwa ezi nkonzo zilandelayo:

• nozalisekiso ngamazwe;
• ukuqaliswa ukusetyenziswa kwemali (exchange, intengiso kunye nokuthengwa lwemali amazwe);
• Iintlawulo non-mali;
• ukuvulwa kunye nokugcinwa akhawunti zebhanki;
• ukubolekisana.

Njengoko eRashiya, amasebe ebhankini kwi-Czech Republic basebenzisa iindlela ngeendlela ukutsala abathengi ezintsha. Ukuza kuthi ga ngoku, baqhuba iindidi esitokisini, ukucwangcisa iinkqubo ukunyaniseka. Hi ndlela leyi, bonke ababekade abathengi Volksbank lula ukutshintsha amakhadi zabo phezu kweplastiki ye-Savings Bank. Kulo mzekelo, kwaba lula ukugcina ikhowudi yangoku PIN.

inkqubo Mortgage Bank

Le nkonzo ithandwayo ofisi Czech Savings Bank na mboleko mboleko. Okwangoku, imibutho kubaboleki enokwenzeka ukubala kwi "mortgage Ukunyaniseka", okuthetha ukuthengwa okanye irenti izindlu. Ibhanki kwakhona inika-mboleko yokwakhiwa okanye nokubuyiselwa endlwini yakhe. Le mali ibandakanya ngomyinge wenzala we 1.79% ngonyaka.

Ukuba wacela Savings Bank kwi Czech Republic (kulo mzekelo, mortgage kusenokungabikho kuphela abahlali abanomdla balapho, kodwa iindwendwe) kwaye uceba ukuthatha mboleko yezindlu, apha ke wena ngokuqinisekileyo uya. Ngelo abameli ngexesha elinye yebhanki mboleko oluza ekhaya amazwe phantsi 70% yexabiso ngummeli wowona kwipropati. Kwaye ubungakanani umlinganiselo ukuba ezi abathengi isusela kwi 4,99% ngonyaka. inkonzo Customer, ndingenabo obam yokuhlala isigxina kweli lizwe, yenziwe ngaphandle kwentlawulo zeenkonzo ebhankini.

Ngaphezu koko, wabuzwa Czech Savings Bank (inzala ngemali-mboleko umiselwe ngokuxhomekeke inkqubo ekhethiweyo), unako ukufumana imali-mboleko nayiphi na injongo, kodwa olubekwe yi izindlu (njalo kuxokwa-nezivumelwano zokubambisa America). Kuba iinkqubo ezinjalo, yinto eqhelekileyo ukuba up izizithsaba kwezigidi ezi-5 (ngaphantsi kwe-70% yexabiso ngummeli wowona kwento) kuyo. Isixa senzala kule meko iya kuba kwi 3,99% ngonyaka.

Ngubani na ube umxhasi ngaseludinini?

Ukuze ube umthengi ngaseludinini, kufuneka zimelane neemfuno ezithile iziko zemali. Umzekelo, ubalo phezu kubaboleki mboleko apha aphakathi kweminyaka engama-18 no-70. Ukuba ungummi amazwe, ngoko amaxwebhu axhasayo kufuneka ube:

• ipaspoti;
• ipaspoti lwangaphakathi civil;
• Ifotokopi visa Schengen;
• isatifiketi yokuqala isihloko.

Ngaphezu koko, ukuba obolekayo akukho ngumhlali kwiRiphablikhi, njengoko kuya kufuneka guarantors ezimbini co-nye umnikimali nomamkelimali. Ngenxa yoko, ibhanki Ukongezelela reinsured xa kuthe emiselweyo mboleko. Kuyaphawuleka ukuba xa umxhasi unqwenela intengiselwano lonke enokwenziwa in Russian okanye IsiNgesi xa umxhasi akazi Czech. Ngenxa yoko, isivumelwano sentengo yemboleko kunye namanye amaxwebhu kwakhona musa ukuba translation kwaye kufumaneka Russian.

Xa ilizwi, libhekisela nkampani ze-ofisi Savings Bank, ungafumana inkonzo epheleleyo, kuquka in Russian.