Imali, Credits

Ngaba ndirhoxisa imali ikhadi lamatyala ngaphandle ikhomishini? amakhadi Credit: ncomo

Phantse wonke umntu namhlanje umntu ikhadi lamatyala in ngesandla, ukuze ndithethe, "nje kwenzeka". Esi sisixhobo ezisebenzisekayo zokusetyenziswa ukuthenga yebhanki ezivenkileni lula, kwaye imithombo online. Ngaba kunokwenzeka ukuba ukurhoxisa imali ngecredit card, ngaphandle ngokuhlawula kuba inenzala?

Yintoni le pesenti

Naliphi na iziko mali soze lusebenzise ilahleko, ke ngoko, ukudala yeemveliso zemboleko yekhredithi, nkqu imiqathango kakhulu iklayenti, ibhanki asibikho buhlungu. Kutheni kukho ikhomishini kunye nomdla ukuba kusetyenziswe amakhadi?

Okokuqala, ukugcinwa-ATM kunye nokuhlawulwa kwerente ayikho cheap, iibhanki abaninzi kangaka ukubiza etsalwe imali pesenti, kunye abathile nemibutho, banako ukufikelela-10%. Okwesibini, imveliso kunye nokugcinwa ikhadi kukwafuna uhlobo iindleko yemali ebhankini, ngoko ke idla iziko zemali kuthatha ikhomishini okanye ikhadi kunikezelo, okanye ukulungiswa kwaso ngendlela intlawulo yenyanga okanye ngonyaka.

Kodwa ezi bokuqonda iibhanki imbuyekezo ngenxa yokuba ixabiso lepesenti elingathathwanga xa behlawulela ukuthenga okanye iinkonzo zosetyenziso, kwakunye ukusebenza ezivenkileni yaye xa ubhatala yeselula.

Ukongeza, zonke iibhanki anika umdla-ezamahala ixesha usebenzisa ikhadi lebhanki letyala. Iiplastiki ukusuka kwiintsuku ezingama-50 ukuya 100. Ukuba lingekapheli ithuba elimiselweyo ukuhlawula ityala, intlawulo yokusetyenziswa imali ebhankini akuthathi.

Sekunjalo, ngaba inokwenzeka into ukurhoxisa imali evela ikhadi ngetyala?

Indlela emalini

Ukuze imali kwibhanki ikhadi lamatyala kungathatha ipesenti, yaye umntu omkhulu. Kodwa kukho amanye amaqhinga, nisazi ukuba angarhoxa imali ngaphandle kwenzala.

Wonke umntu uqhelene wallets electronic "Webmoney", "Yandex", "Kiwi", njalo njalo. D. Kungenxa zazo cashed ikhadi lamatyala. Ukutshintshelwa wezixa ezincinane ke ibhanki iya kuphakamisa izinga lenzala, kunye nenkonzo kuya kuthatha uthumo. Kodwa ke ukususela ngo-3000 engange, unako ibize ikhadi lakho letyala ngaphandle ikhomishini.

Inkqubo yentlawulo kuphela kuyo nayiphi na imeko ukuthatha ipesenti ukuba imali iza ingakhutshwa i isipaji elektroniki. Kodwa apha ekufaneleke ukuba siyicinge ukuba ukunika 0.8% (iinkqubo ikhomishini yentlawulo), okanye ukusuka-3 ukuya ku-7% (ikhomishini bank). Self umdla zokurhoxiswa imali evela ikhadi lamatyala kuxhomekeke nemiqathango ebhankini.

Kodwa ke, wathatha imali kunye ikhadi lamatyala, umthengi ibhanki kufuneka sikhumbule ukuba kulo mzekelo akayi kwenza ixesha ubabalo, yaye kuya kufuneka ukuba ahlawule zombini isicelo semali-mboleko eziqhelekileyo. amakhadi Credit, nto leyo kwakhona uninzi HIV, njengoko sisixhobo sele kungekho mali kufuneka isetyenziswe ngobulumko, ngoko akuyihlawuli umdla omkhulu.

ekunika yeebhanki

Makhe siqwalasele ukuba ukurhoxisa njani imali evela amakhadi ngetyala kweebhanki ezahlukeneyo.

Igama lebhanki

iimeko ezisisiseko

"Tinkoff"

  • isixa zisezantsi imali-3 000 bagcobe.;
  • umda kwi cash udaba 300 lamawaka. bagcobe. +% Map;
  • ngokuba ngaphezu imida ebhankini ibiza imali ye-2%;
  • xa kususwa ngaphantsi kwe-3 amawaka. bagcobe. IKomishoni iza kuba engange-150.

yebhanki yokonga

  • ukuzisa imali ukuya isikhwama ngekhompyutha, isixa ubuncinane engange 3,000.;
  • zibhekisela imali ebhankini ukurhoxiswa (ikhomishini mali kwi 1.5%);
  • Commission for ukurhoxa an ATM Savings Bank - 3%, kodwa engange hayi ngaphantsi kwe-390.;
  • Commission for ukurhoxiswa-4% kwi-ATM zomntu wesithathu.

"Alfa Bank"

  • Intlawulo yemali ixhomekeka kuhlobo ikhadi kwaye ngokuvumelana ngokwemvumelwano, kodwa hayi engange ngaphantsi kwama-500.;
  • ubabalo-ixesha xa imali ukurhoxisa igcinwa;
  • Bank inika inkonzo cashback kwi mephu ukwenzela ukuthenga.

"VTB 24"

  • ngaphandle kwenzala, uyakwazi ukususa mali zabo kuphela;
  • ngokuxhomekeke kuhlobo lwekhadi ukutsalwa ipesenti yahluka ukusuka 4.9 ukuya 5.5%;
  • Uyakwazi adubule engange ubuncinane 300.;
  • ubukhulu ngosuku hayi ngaphezulu kwe-300 lamawaka.

"Bank of eMoscow"

  • kungaba kuqashwe simahla imali yakhe;
  • mali zeentengo zemboleko kususwa ngo-3%, kodwa hayi engange ngaphantsi kwama-250.;
  • ATM zezinye iibhanki angarhoxa imali ukuya kwi-1%, kodwa engange hayi ngaphantsi kwe-150.;
  • ebhonasi ingqalelo umba ikhadi free.

"Russian Standard"

  • kusho zokurhoxisa Kujongwe 1.5%, kodwa hayi ngaphantsi kwe-150 engange.;
  • ngokuba ekuphakamiseni izinga enikwa yi-4.9%;
  • ngenxa yemali, ungasebenzisa-ATM, ezinjengeetheminali, ukudluliselwa wire;
  • Grace ixesha ayigcinwa.

ezinye Tricks

Kuba abo rhoqo isebenzisa ikhadi, lo mbuzo, "Kwenzeka ukurhoxisa imali ikhadi lamatyala" Kuyinto mlonyeni.

Kwaye Kuyabonakala ukuba, ezi abasebenzisi kuza nabanye yindlela enobuchule ukuthintela iimali ezinkulu nomdla bakhupha imali.

Nazi ezinye zazo:

  1. Ukuthenga nayiphi na into evenkileni. Ngokutsho umthetho amalungelo abathengi impahla zingabuyiswa kwisithuba seeveki ezimbini ngaphandle kokunika naziphi na izizathu. Emva yokukhokhela kwempahla ikhadi lebhanki letyala, isixa sembuyiselo ingenziwa ngemali. Ngenxa yoko, ipesenti yentengo ayisuseki, kodwa emva kwexesha elithile epokothweni unayo imali.
  2. Yenza ukuthenga evenkileni online. Xa kuhlawulwa xa kuthengwa ngumdla bank card lamatyala alisusi. Okulandelayo, emva kwexesha elithile, unako oda yakho uze ucele imali kwi ikhadi lemali. Kodwa kulo mzekelo, kuya kufuneka alinde ukuya kwiintsuku ezintlanu zomsebenzi.
  3. Umhlobo ukusebenzisa ikhadi lamatyala ukuthenga. Kulo mzekelo, umhlobo okanye umhlobo yomnini uhlawula credit card ukuba uthenge nge unikeza ikhadi lamatyala. Ngoko, umnini ikhadi lifumana imali kwimali elingana.
  4. intlawulo mobile phone. Uyitshaje mobile yakho akhawunti yekhadi umdla free. Wena ke ukurhoxisa imali kwi imaphu eqhelekileyo. Kodwa umntu kufuneka akhumbule ukuba operator mobile unokuthabatha ipesenti ngeenkonzo zazo. Kubonakala ukuba le mali iza kuya ikhadi lamatyala ngaphandle ikhomishini, kodwa umsebenzisi kuya kufuneka ukuba uhlawule.

Ukongeza kwezi ndlela wengcibi mhlawumbi abe iinketho ezininzi njengoko ukurhoxisa imali ikhadi lamatyala kunye ipesenti lincinane okanye namnye konke konke, kodwa okwangoku kwaziwa.

iimeko ukubhalisa

Xa usenza ikhadi umphathi yebhanki kubhetele ukuba acacise ukuba kunokwenzeka ukurhoxisa imali ngecredit card, yaye yintoni ipesenti yabo iya kuhlawuliswa ukuphepha ngakumbi izimanga.

iimeko card credit zithengiswe ilula:

  • Umboleki unako tyelela i-ofisi ye bhanki okanye ugcwalise ifomu yesicelo online kwimaphu.
  • yobudala umboleki kufuneka abe phakathi kuka-21 no-70 iminyaka.
  • Kufuneka ube nengeniso ngokuthe ngcembe.
  • Umboleki kufuneka ube nemvume yokuhlala kule ngingqi, apho uyasondela ikhadi.
  • Kufuneka aveze amaxwebhu isicelo-Bank. Ngokuqhelekileyo yokundwendwela yesibini kunye nobungqina bokuzazisa igama lakhe. Ukuba isixa kwi mephu omkhulu, ibhanki ungacela ukuba kwingxelo yengeniso.

Ngokubanzi, njengoko kubonakala amabango, ukuba ziyafana nezo zingawisi naluphi na mboleko xa kubhaliswayo.

reviews

amakhadi Credit, nto leyo buyekezwa ngeentlobo, athandwa kakhulu. Abathengi beebhanki athi ukuba kukho uncedo olukhulu kwiimeko apho imali ifuneka ngokungxamisekileyo, kunye isengqondweni nangoku kude.

usindisa kakhulu ukwelixesha loxolelo, ebonelela yonke ebhankini. Kubonakala ukuba le mali ingasetyenziswa yaye akuyomfuneko ikhomishini. imali asuswe ukuba oyifunayo, kodwa nantsi ke kuyimfuneko ukuba bakuthathele ingqalelo ipesenti yenkqubo.

Ngenxa ibhanki ezaziwa kakhulu kwaye ethandwa Sberbank ngoku, ngoko, oko, abaxhamli beenkonzo zeli ebhankini unombuzo: Ngaba Savings Bank ukurhoxisa imali evela ikhadi ngetyala? Ipesenti le nkonzo? Ngaba ukwelixesha loxolelo emva kokuba umsebenzi?

Ngokutsho reviews, impendulo kukuba eli ziko yemali ikuvumela ukuba ukurhoxisa imali kunye credit cards, kwakunye ukuguqulela zibe izipaji elektroniki. Kwimeko yokuqala, iKhomishoni le iya kwenza akayi zisebenza phakathi kwe-3% ne isithuba saphambi korhafelo, elinesibini - ukuba loo mali ngasentla 3000 engange, ipesenti unothi, ukwelixesha loxolelo igcinwe ..

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