Imephu "Benefits", "Ekhaya Credit": iimeko, ibhonasi kunye nohlolo

Ukuze ukutsala abathengi, iibhanki abaninzi basebenzisa iintlobo iinkqubo bonus. Bavumela nje ukuchitha imali, kodwa kwakhona ukuba zonke ukuthenga iibhonasi ezongezelelweyo kunye amanqaku. Kakade ke, ukuba kusetyenziswa ukuthenga iimveliso okanye iinkonzo ezintsha kwi isaphulelo. Enye yezi mveliso na ngemali yibhanki ikhadi "Benefits". "Ekhaya Credit Bank" inika ukuba bonke abathengi. Luhlobo olunjani credit card? Yaye ziziphi iimpawu zayo?

ulwazi ngokubanzi malunga inkqubo ibhonasi ibhanki leyo

Ngokutsho imithetho zenkqubo ukunyaniseka ngaseludinini, xa nezinto ezahlukeneyo okuququzelela kwiivenkile lomxhasi ukufumana ipesenti ethile imbuyekezo. Ngokuqhelekileyo, oko fixed kwaye kuxhomekeke kuhlobo lwemveliso zebhanki. Umzekelo, ukuba wena unguye umnini "Gold" amakhadi udidi okanye ( "isivumelwano Gold", "ikhadi wethu Cashback", "Card Cashback Standard») "umgangatho", ngoko esebenzisa kubo uya kufumana i bhonasi ku ezahlukene 1-3% ye kwinani lokuthenga. Ngapha koko, ikhadi "Izibonelelo" ( "Credit Ekhaya") "Platinum-ingxenye" uya kukunika imbuyekezo kwi uluhlu 1.5-5%.

Imephu sifana 'elungileyo'?

Ikhadi eqhagamshelwe lwenkqubo 'inzuzo ", njengokuba umthetho, liyahambisana nale uyilo spiral. Ngokomzekelo, abanye babo ungabona uhlobo sesigodlo, Uphondo okanye ixilongo kunye nezibambo ezintle, iipateni shinyi ezahlukeneyo ngophondo ngamatye anqabileyo. Nangona ezinye makhadi okumhlophe, kunye nabanye - black.

Ngubani na inxaxheba kule nkqubo?

Ngaba inxaxheba nakanye wonke kule program. Ngokutsho iimeko ibhanki leyo, ukuxhuma kuyo kuphela abathengi ezikhoyo azikwazi nezaphulelo "Ekhaya Loan". Kulo kwisiyilo phakheji kwezindululo enjalo singaxabisa kubuthuba bama ukuze engange 990 ukuya 5000 ngonyaka ngamnye (kuxhomekeke kuhlobo iimephu open).

Ngokutsho abameli iziko lamatyala, kule mali ibandakanya amakhadi kuphela olusisiseko ulondolozo, kodwa accrual, ukubala kunye nokucinywa amanqaku afunyenwe yi ngumthengi ebudeni bocwangciso. unika Konke oku imephu ( "Ekhaya Credit") "ezilungileyo".

Bokuqonda yobhaliso, ukuthatha inxaxheba kule program

Okokuqala ukudibanisa kule nkqubo kunokwenzeka kuphela xa kokugqitywa isivumelwano sentengo yemboleko, ezifana uyilo mboleko abathengi okanye ikhadi lebhanki letyala. Kwakhona, umxhasi ebhankini, inxaxheba kwezinye iinkqubo iziko mali ngumnikazi kwaye unqwenela ukungenisa isicelo inxaxheba kule program ukunyaniseka.

Kuba ibhanki rhoqo obslzhivanie kwinkqubo ngonyaka uqokelela umrhumo (ngokungqinelana kunye noluhlu lweerhafu angoku amakhadi yoluntu kwiindawo ezahlukeneyo). Ngelo xesha, ukuba ekupheleni kweli xesha, umxhasi lowo akakunqweneli lirhoxe kule program, intlawulo kwiinyanga ezili-12 ezizayo iya kuhlawuliswa ngokuzenzekelayo. Ukongeza, umthengi ngamnye unelungelo lokwala inkonzo, kodwa zingadlulanga iintsuku ezingama-14 ukususela kumhla isevisi. Nantsi inkqubo 'Benefit "kunye nezenzo. "Ekhaya Credit" disconnects ukusuka inxaxheba kule nkqubo simahla. Kodwa kwakhona kuya abe sele engenakwenzeka.

Ziziphi amakhadi ingakhutshwa phantsi le nkqubo?

Okwangoku, phantsi kweenkqubo ezikhoyo ukunyaniseka uya kukhutshwa amakhadi zilandelayo:

• "Uvumelana» Gold;
• "Uvumelana Platinum».

Umzekelo, ukuba ingqalelo yakho ingqalelo "igolide" ikhadi lamatyala "Benefits" ( "Ekhaya Credit" nayo inikeza okuhlawulela iimpahla neenkonzo kwi 34,9% ngonyaka), ngoko uya kuba olujikelezayo umgca ngetyala engange ukuya ku-300 000, yaye ukwelixesha loxolelo - 51 ngosuku. Imephu "Platinum" nako ukuhlawula amatyala abo kwisithuba 29.9% ngonyaka. Kwimeko etsalwe ikheshi kunye nekhadi i "Gold" "Platinum" a single umyinge wenzala - 49,9% APR.

Indlela eyibhonasi onokufunda malini?

Ukungqinelana nemigaqo yenkqubo Bank, ukwenza nayiphi na amakhadi uthenge "inzuzo" (ngaphakathi kweli lizwe nakwamanye amazwe), unako ukufumana ubuncinane i-1% yesixa echithwa omnye. Kwaye kulo lonke nyanga umxhamli kuvunyelwa ukuba uqokelele liphezulu lamanqaku 2000. Zonke ibhonasi eminyakeni umda ukuba irhoxisiwe khutyaziswe ngokungagqibekanga. Kwixesha elizayo, inani eliphezulu yebhonasi inyuswe ukuya 7500.

Kuba na ukuthenga uyakwazi ukufumana amanqaku?

inkqubo Ukunyaniseka othi "Benefits" ( "Credit Ekhaya" unika ithuba ukudibanisa ku zonke ukubenza) ibonelela ngemali kunye ukuchitha imali kunye namakhadi umxhasi okuhlawulela iimpahla neenkonzo.

Masithi usebenzisa i Card Gold, ukunika umzekelo iindleko ngokusekelwe iibhonasi ezifunyenweyo. Ngaloo ndlela, kuyenzeka ukuba ukuchitha malunga 7500 engange kwiintlobo ngeentlobo ukhenketho kunye yokuhamba, 4,000 engange ukuhlawulela kwisikhululo igesi kunye yokuvasa imoto, 5000 engange liya kukudla iihambo ukuya kwiivenkile zokudla, 15 000 ziya malini ukuthenga kwiivenkile intanethi, malunga nama-18 500 engange ukutya nezinye izinto ze umbane ngemihla. Ngenxa yeendleko zenyanga ngathi ukuphatha ukwamkela bonus 5.180, kwaye kunyaka - 62 160. Kulo mzekelo, qaphela ukuba 1 ingongoma ilingana 1 engange.

Kodwa xa imali efanayo iindleko, kodwa xa usebenzisa ezinye ikhadi "Benefits" ( "Ekhaya Credit Bank" kwandisa ipesenti yembuyekezo abanini premium zeplastiki) iibhonasi imivuzo yenyanga mali 5603 kunye nonyaka - amanqaku 67 236.

Njengoko ubona, imali yembuyekezo kuxhomekeke nje kuphela imali ukuthenga, kodwa kuhlobo lwemveliso mboleko yakho ekhethiweyo.

Yintoni Ndingalufumana zokuthenga ngakumbi?

Ukongeza iibhonasi ebekwe ngokusemthethweni ukuba ungafumana ukuba ikhomishini naziphi kuthengwa kwiivenkile virtual nezinto zokubhala, kubandakanywa nxaxheba amazwe kunye zasekhaya yenkqubo "Benefits" ( "Ekhaya Credit Bank" iye yasungula le nkonzo entwasahlobo ka-2013) uyakwazi ukufumana amanqaku ezongezelelweyo. Ngaba oko ke, kuphela elwenzile ethengwayo ukususela kwamaqabane kwiziko lamatyala. Ngokuqhelekileyo, abanye babo zidweliswe emazantsi ephepha kwi inkqubo website homecredit.ru esemthethweni.

Kuba lula wongezelela, ihlelwa kwezi ndidi zilandelayo:

• zombane ekhaya kunye neeletroniki ezithengiswayo.
• iimveliso zabantwana.
• Leisure noLonwabo.
• Okunye.
• Supplies.
• Iincwadi.
• Furniture.
• Clothing, izihlangu kunye nezincedisi.
• Amakha kosetika.
• Izipho abazithandayo.
• Ukutya.
• Imidlalo kunye nokhenketho.

Prietom nantoni udidi ukhetha, nakweyiphi imeko, nilindele iingongoma. "Benefits" ( "Credit Ekhaya") - ikhadi lamatyala ekuvumela ukuba bavale yinxalenye yale mali esichithwe kuthengwa. Umzekelo, ukuthengwa kweempahla ngenxa yoonyana ngokuqinileyo mnye, ufumana dibanisa 7% yebhonasi, enye inkampani uya kukuzisela wena-5%, kwaye eyesithathu - 10%.

Ukongeza, iibhanki ngokwabo amaqabane badla ukuqhuba izabelo ezongezelelweyo ukuvumela, ukongeza iingongoma okongezelekileyo i "Ekhaya Credit" kwaye ufumane enye ivenkile isaphulelo 10-20%.

Imephu "Benefits" ( "Ekhaya Credit"): Iimeko

Jonga le mephu, "Benefits" bangabemi Russian phakathi kweminyaka eli-21 nama-64 iminyaka. Kufuneka ukusebenza, kubhalwe kule ngingqi, lokuvula amakhadi ngetyala. kufuneka ungabi ngaphantsi kweenyanga ezintathu amava babo kwindawo yokugqibela umsebenzi. Kwakhona kulindeleke ukuba ubukho ezinzileyo kunye mobile phones.

Isicelo sobhaliso ikhadi "ezilungileyo" ( "Ekhaya Credit" unika kuye bonke ukuba imizuzu eli-10-15) kulo naliphi na isebe leziko ngetyala. Kwakhona, wonke Ungathatha ingqalelo yobhaliso kwi-intanethi. Noko ke, kule meko, kodwa ke kufuneka ukuba utyelele i-ofisi nokuba ukucacisa ezinye iinkcukacha on the phone. Of amaxwebhu sokubhalisa kwekhadi, kuya kufuneka kuphela yokundwendwela.

Eboniswe kwi isicelo sobhaliso kule nkqubo?

Xa uthumele isicelo online ukuba "iinzuzo" ikhadi kufuneka ukhankanye ezi ngongoma zilandelayo kuwo:

• Igama elipheleleyo;
• inombolo kunye nonyaka wokuzalwa;
• obuchetyiweyo esandeni;
• Idilesi ye-imeyile;
• inombolo yefowuni ephathwayo;
• series kunye nenombolo ipaspoti;
• akhawunti kuthungelwano lwentlalo (ukuba zikhona).

Okulandelayo uya kwamkela kuphela ulwazi imigaqo nkqubo kwaye angenise ifom yesicelo ezalisiweyo.

Ulawulo kunye lula ukuphunyezwa imisebenzi program

Kuba lula bakho, njengoko wathethayo iibhonasi "Ekhaya Credit Bank" kwimephu "inzuzo 'ukuba esweni ize ilawulwe usebenzisa i-akhawunti yakho. Ukuza kuthi ga ngoku, ke, kufuneka kuqala ukuqhagamshela inkonzo zebhanki internet, uze emva koko uye ngokusebenzisa inkqubo yobhaliso elula. Ukuya kwi-akhawunti yakho, ungakwazi ukusebenza iintshukumo ezilandelayo:

• ukulawula ulwazi malunga neentlawulo ezenziwe ize ithunyelwe kule akhawunti;
• ukwenza ukuthumela imali;
• ukuhlawula amakhadi, ukuthenga impahla iivenkile intanethi;
• ukuhlawula ityala kwi-mboleko;
• esweni ukuqaliswa kwangethuba nentlawulo mandatory yenyanga kwi-mboleko.

Tips for nxaxheba inkqubo

Phakathi isixa esikhulu inkcazelo ebalulekileyo ngokuphathelele kwinkqubo "uNcedo", siye sabona amanqaku aliqela abalulekileyo nanomdla. Okokuqala, ukufumana iimpendulo kwimibuzo kunokwenzeka emalunga usetsho ukuba isebe elikufutshane ukudibanisa inkqubo ibhanki leyo, ungatsalela umnxeba umnxeba 8 (800) 700-10-29. Okwesibini, kuyimfuneko ukuba babelane iingongoma okongezeleke kulo nyaka. Kungenjalo, abasayi usiwe kwixesha elilandelayo, ize ihlatywe nje.

Okwesithathu, ngexesha ukwelixesha loxolelo kwaye kungekho kwamatyala ngemali-mboleko wena uhlawule inzala. Ukuba ixesha elide sele kudlule ixesha ubabalo, yaye akukho mfuneko yokuba ixesha ukuhlawula imali-mboleko, ibhanki ziyabhatalisa inzala kuyimfuneko, kwaye yonke inkonzo yeqonga-free. Kwaye, ekugqibeleni, ukuthatha inxaxheba kule program ukunyaniseka, umxhasi unelungelo elipheleleyo ukusebenzisa inani mda-mali yebhanki ngetyala.

Apho uyakwazi ukuchitha imali ibhonasi yazo?

Chitha amanqaku waqokelela ukuba usebenzisa i-akhawunti yakho kwi-internet banking. Ukuze wenze oku, ngenisa nje lomsebenzisi efanelekileyo kunye nephasiwedi, faka, khetha i tab "Benefits" yaye sinikela ingqalelo kuluhlu kwempahla kunye neenkonzo ezinokuthi zisetyenziswe. Kulo mzekelo, uya kukwazi ngokungaphelelanga okanye ngokupheleleyo ukuhlawula intlawulo lokuthenga. Kulo mzekelo, bonke baya kuxhomekeka kwinani lamanqaku ezigcinwe. Emva kokusebenzisa iibhonasi na ukurhoxiswa kwazo.

Yintoni impendulo ukuva ngale nkqubo?

Njengoko wathembisa "Ekhaya Credit", "inzuzo" (reviews ngale program zinokufunyanwa ngezantsi) - yinkonzo ukunyaniseka ekhethekileyo, ngokubonelela imali kwaye ikhuthaze ukuthenga ezintsha. Kodwa oko bathi malunga abasebenzisi inkqubo enjalo enomtsalane?

Ngokomzekelo, abanye abathathi-nxaxheba kule nkqubo baye bavakalisa ngokumthanda kwabo. Ngokutsho kwabo, ukuba ahlawule ikhadi kunye "ezilungileyo" Kuyinto elula kakhulu, kuba imali iye icinywe ngokukhawuleza kwaye ngezinga elifanayo kwabalelwa amanqaku. Abanye, phezu koko, babelane ngamava abo ezibuhlungu. Ngokutsho kubo kuyacaca ukuba xa uzama ukuhlawulela wabutha impahla amanqaku bonus ngo inye yeenethwekhi iqabane ezikhemisti abe ukungaqondi kunye nabathengisi. Oku kungenxa yokuba inkoliso yabo hayi kakuhle baziswe malunga nomsebenzi kunye namanqaku yaye akakwazi ukubhala ngayo kubo.

Ukanti abanye bathi esweni ngenkxamleko iibhonasi nge ebhankini Internet. Ngokutsho kwabo, ngexesha elifanayo uyakwazi ukujonga kuphela iba mihlanu idlulileyo kwaye babhala amanqaku ahambelanayo. Ngenxa yoko, kwafuneka ukukhangela ngesandla kwaye idlulisele yonke idatha ye ulawulo olungcono ngendlela eyahlukileyo Excel-ifayile.

Okwesine indumiso thamsanqa yoncedo, apho bakwazi ukusombulula iimbambano kunye iibhonasi obhaliso lwabafundi.

Ngokufutshane, ikhadi "iinzuzo" - isixhobo jikelele. It ikuvumela ukuba ndithenga kwiivenkile zakho ozithandayo uze ufumane ezinye nebhonasi ezongezelelekileyo kunye nezaphulelo. Nokuhlenga amanqaku kwakhona ndidleke okuhlawulela iimpahla neenkonzo. Le nkqubo ayikho ntsha, kodwa isekhona ezifanelekileyo zifunwa phakathi iinkonzo iibhanki '.