"PSA Bank": reviews of abagcinisa, iidiphozithi, iingxaki

"PSA" abagcinisa yebhanki reviews elisandula yaqala ukuvela kunye namona ezimbi - yinto credit jikelele kwiziko lemali apho i akhawunti utyalo-mali eyaneleyo enkulu kwamanye amazwe. imibutho Iinkonzo ezisisiseko - ukuba ukusebenza kunye lweeklayenti ezikushishino kunye nabantu, imisebenzi utyalo kunye nesevisi yabathengi ngamazwe, iintengiselwano phakathi-bank. History of the «VAB» ibhanki uya kude 1992. Ngokutsho rating yokuhlela kweebhanki ngokutsho NBU, ukusekwa behlelo endaweni 1 kwiqela lamaziko ezinkulu zemali kweli lizwe. Isebe leziko mali esebenza kuzo zonke iimbombo karhulumente.

«VAB» ebhankini, nto leyo ngokutsha bangadibana nokubi, kunye nenkqubo zenkxaso kakuhle iintlawulo ngamazwe. Le MVUME LOKUNDWENDWELA LEXESHANA International, MasterCard ne International. Igunya le yebhanki ukuba Unikezelo lweenkqubo pension.

Yintoni endinomdla babambisane?

"PSA" ebhankini ibisoloko kwatsala ingqalelo-mali, njengoko waba abalasela. A kwiziko lemali enkulu lungapheli nkqu ngamaxesha emaxongo kakhulu. Ubukhulu kunye nenani amasebe yebhanki e Ukraine wabonisa ukuba le nkqubo akayi ukuyisonga. Le nkampani wenza njengoko esiyintsika yale ubume bezemali lonke eli lizwe, kwaye kungagqibeki ephambili ukuba ukubetha uqoqosho. Njengenxalenye ibhanki yaba soloko ikhona kakhulu izinga dollar lonaniso. Client linikeza iinkonzo zemali oluphangaleleyo kunye iindleko encinci. Ngokwahlukeneyo kunokuthiwa le iidiphozithi, leyo kwisiqalo kwezinye anyukayo esibingelelweni imarike linomtsalane kakhulu. Iminyaka phantse amabini yonke imbali ye-Bank of izikhalazo ezivela kubathengi akuzange, zombini inzala kunye needipozithi zakhe ziye zihlawulwe ngexesha elifanelekileyo. Yeyona bonke entsonkothileyo nokuqinisekisa ukuthembeka iziko mali, kuye kwatsala-zimali nentsebenziswano. Kutheni badlula ngempumelelo kuphela intlekele ekuyo i-1998 no-2008.

Yintoni na le amanani, okanye izibalo positive zakutshanje

Nangona igama elihle kakhulu elunxwemeni, la manani zakutshanje zibonisa kukho ubunzima obuthile kwindlela kwiziko zemali. Ngokutsho manani, ukumiselwa ithatha indawo yokuqala nokurhafiswa yeebhanki Ukrainian kwaye ulilungu leqela yesibini. Ikomkhulu eligunyazisiweyo yeziko "VAB" yibhanki, apho review akuyona indlela engcono, lingana 3.048.619 amawaka hryvnia. Net ingeniso umdla yaba ixesha ingxelo yokugqibela, ngokutsho kohlolisiso yibhanki, 475 543 amawaka hryvnia. Kukho nenye sisalathisi umdla ebonisa meko - nzuzo elo xesha, nto leyo ethetha ukuba kufikelela phantse thabatha 50 amawaka hryvnia. Ngokuchasene nentsukaphi yeempawu eseleyo imali ayikho eqaphelekayo, kodwa kufuneka ukuba ukhathazeke malunga amatyala lwamaziko zemali.

Ukuqalisa ingxaki kuqala?

Kuba abagcinisa okokuqala "PSA" isebe lebhanki apho wayesebenza lonke Ukraine, waqalisa ezifumana ubunzima ekuhlawuleni iidipozithi entwasahlobo ka-2014. Ngaphezu koko, ukubambezeleka wayengekho kuphela inkalo ukubuya iidiphozithi, kodwa ukuba ahlawule inzala iidipozithi. ulawulo Ibhanki akazange avumele panic at the ixesha kwaye rhoqo swi yokuba kungekudala kwiziko lemali uya kufumana refinance elungileyo, yaye zonke iingxaki ziya kumka iingxaki bokwexeshana elizweni elidlulileyo kude.

Le ngxelo wayengekho ngobuqhophololo, kwaye ekuqaleni kwethuba ntlekele ngokwenene iziko zemali ukufumana inkxaso-mali elungileyo kuba Olegu Bahmatyuku wakwazi ukuthethana kunye norhulumente omtsha. ulawulo Ibhanki ukuba athathe emanzini ndibhengeze kunikezelo idipozithi kwi-mali ka-1000 hryvnia ngosuku. Ekugqibeleni -umlenze Sekuhanjelwe shwaka phantse ngokupheleleyo. Kukho amacebiso ukuba uncedo enkulu yemali eyachithwa ukugcina ishishini Bakhmatyuk kunye nokulondoloza imali. Nangona ezi zibakala kuba nzima. Ukongeza, eendaba ngokuphindaphindiweyo ebhaliweyo yokuba ukuba xa imali abagcinisa lweshishini "VAB" ebhankini, nto leyo kwakhona soyikiso usomashishini wakha ishishini lezolimo.

Makhe sibuye ekubuyisweni yesibambiso. Umda ka 1000 hryvnia wenza elide. Xa umda emiselweyo esandleni enye imali azifumanekanga. Ukuze ukuba lali- imida zokunciphisa saver efikelela kwi 500 300 hryvnia, iintloko wajika eyahlukileyo. Enyanisweni, imali yokwenene waba kweedesika kwemali ngaseludinini ayikho amaxesha ngaphezulu kwe 1-2 ngeveki. Udluliselo kwezinye akhawunti zivaliwe. Kuba isiphelo ngaphambi imvumelwano, abathengi kwafuneka ukuba ahlawule idipozithi-10%. Kwaye oko nje isesisiqalo. bonke wabhenca aziwe ngokuba "PSA" iziko zemali yebhanki. Izimvo ka-2014 yaba Imiqondiso yokuqala crisis ezayo.

Yintoni eyenza umsolwa mnye: kakubi ulawulo

Ngokutsho ingcaciso yakutshanje evela zosasazo, umnini-"PSA" isibonda kule abagcinisa yasebhankini reviews leyo nyanga zonke ziba umkhuhlane ayabi kuko, sele ezaziwayo Ukraine Bakhmatyuk. Ngaphandle kwento yokuba umnini zabelo ukulahlile nayiphi na inxaxheba ebhankini, iinyaniso ebalisa ibali eyahlukileyo. Njengoko siye safumanisa, iimali-mboleko kwiziko lemali kwinkampani ngaxeshanye 4, ezo ipropati Bakhmatyuk: "Rayz Maksimko" yaye "Niva", "Spetsagrarproekt" yaye "Agro Alpha". Ngaphezu koko, ulawulo kwiziko lemali - umntu ekufutshane yokugqibela, owenza egameni abameli balo eziliqela kwiinkqubo zenkundla. An into umdla kukuba mboleko ezinikwa kwiinkampani zolimo elanikwa phantsi ipesenti etyeni, ngaphakathi-16%, nto leyo phantse ngokulinganayo kwiinkqubo imali, kwaye ayiquki ilahleko yeziko zemali. Amajelo zezi ngxelo Ziyanda ukuba "VAB" ebhankini, nto leyo kwakhona ezingakhiyo, yathengwa kuphela ngenjongo nokungeniswa iinkampani yezolimo zikhankanywe apha ngasentla, kwaye intsebenziswano zokuxhamla ngokufanayo nabantu kunye lweeklayenti ezikushishino, kunye nentetho akazange aye. imigaqo nokubhala yenkokheli omtsha kukhokelele kwinto yokuba iziko zemali "PSA" abagcinisa imali ebhankini kwakhona amahlwempu.

Bobble lobuqhophololo: imbali ingxaki

Ukongeza inyathelo mthethweni kwaye abanamava ngamaziko zemali urhulumente omtsha "ye VAB" ebhankini, iinkampani isiphelo ugqibe zobuqhetseba-mali, nto leyo okhankanywe ngokuphindaphindiweyo kwiphephandaba "Evening News."

Ekuqaleni, uluntu iye ekhoyo malunga kwiitila uqhanqalazo, bangavumiyo wala ukwenza kwintengiselwano kwamanye amazwe kukho abawuthobeli umthetho nolawulo lweemfuno. Bank ukuhlolwa engalindelekanga waqinisekisa ukuba ngaphakathi kumaziko baqhube imisebenzi engaphezulu $ 4 million. Oku phinda-10 ngaphezu lwemali eneneni zingathengwa kwa ngabanye. Emva koko chaza ukuba ikhondo ukuthenga nokuthengisa kwe US lwemali kwimarike ngexesha ebhankini wayengomnye lihle kakhulu.

It Uyabahombisa meko yandiswa ngumba wokuba ukuba ukuthengwa yamazwe angaphandle kweli isixa umxhasi aqhelekileyo 100- $ 200 abanakukwazi, kuba kwiitila njalo nje sithetha ukuba ukungabikho kwemali esandleni. Uphicotho lwabonisa ukuba yonke imihla kwi-ofisi yathenga amakhulu amawaka eerandi, yaye loo nto nje ngesinye isandla. Kulo mzekelo, intlawulo zahlulo eziliqela, ukuze ukutsala ingqalelo. Used amaxwebhu fake. Zonke iirisithi zisayinwe osethilini. Umthamo uwonke intengiselwano emini maxa wambi ngaphaya $ 2 million, ethe yabonakalisa la maxwebhu. NBU akazange ukuphatha ukuseka indlela izinto ebhankini kwakunye umthamo transactions abazange ungqamane izenzo kanye bemali. Ukongeza, urekhodo lwevidiyo xa kutshekishwa kungavunywanga ukuba ngokupheleleyo, yaye ezinye iiteyiphu nazo imvelaphi inyuselwa khona. Ngomhla ubunyani waphula ibhanki olahlekelwe intembeko NBU, baza phantsi umngcipheko wokulahla le mvume. Maqhinga kunokulonakalisa udumo kunye nokusekwa kwe "PSA" Bank, ncomo zaqala ukubonakala elibi kakhulu.

Njengoko bezimali behlupheka?

imigaqo nokubhala yenkokheli entsha, nto leyo evumela ukuba akhuphe multi-million mboleko inzala-free, kuchaphazela kakubi intsebenzo ngaseludinini imisebenzi yakhe abagcinisa, apho kukho abantu abaninzi. qhinga Business, kunye ingxelo ubugqwetha, igalelo elihle. Oku kucacisa into yokuba ukusekwa "PSA" abagcinisa imali ebhankini kwakhona negative kutshanje. Ngokutsho abathengi, abo intsebenziswano ixesha elide kunye yokugqibela kwaye elingazange 'umngeni, namhlanje kukho ezinye iingxaki. Oku ukungahlawulwa iidipozithi ekupheleni kwexesha. ubunzima ethile enxulumene iminikelo dollar. Imizamo ukuphelisa iingxaki zeziko mali ngokuthi ekutsaleni abatyali bezingaqhelekanga elikomkhulu wadibana ukungaphumeleli, ngoko, iingxaki umzame iidipozithi bahlala esithubeni.

Njani na ukurhoxiswa iidiphozithi, kwaye nokuba yenziwa ngalo lonke?

Ubukho iingxaki "PSA" yenkampani Bank rhoqo ncomo bathi. Abatyali nje kuphela ukufumana izandla zakho phezu imali yabo, bona babe eziliqela bajonga iingxaki ngenxa yokungabikho intsebenziswano epheleleyo. umbiko ngendlela kakuhle njengokubhankisha elayinini kunye nokungabikho ithuba lokwenza transfers. Ukuba ngaphambili ezidweliswe kwi-mali akhawunti yekhadi idipozithi asuswe kwi-ATM "Atmosphere", okanye intlawulo non-cash kwi koovimba namhlanje, oku akwenzeki. Abathengi musa nokuba kungenzeka ukuba imali yabo kwi-akhawunti enye ukuya kwenye.

Ibhokisi amasebe ofisi ngendlela kungekho mali, kunye ATM zizinto ezingeyonene. Guide «VAB» Bank Oleg Bakhmatyuk ubuso uye wafaka isibheno kwi-National Bank for ngokutsha eli ziko. Ngelishwa, isicelo wanikwa iphepha elirhoxisa, ukususela ipolisi umsebenzi ukusekwa kudala imibuzo. Njengoko ithemba lokugqibela abatyali avunyelwe ukuba eme ngxi ekuqaleni kuka-2015 imigca emide akazange azise nawuphi umphumo. Ithemba kuphela imbuyiselo - oko intlawulo inshorensi mali, nangona buso.

Irallie kunye noqhankqalazo - i ukuzibaxa apho abatyali

About "PSA" ingxelo zabathengi zebhanki kunyaka odlulileyo ifumaneka ezimbi kuphela. Abantu e yokothuka ezama ukubuyela imali yabo. Emva kokuba ukuqaliswa uxolelo okwexeshana liziko NBU waqonda utshonile. Kuluntu imeko ayiphelelanga nokubuyekezwa ezimbi. Abantu baye Rally, bazama ukuthetha buqu kunye nenkokheli yombutho, leyo, ngeliphandle, akazange azise nayiphi na iziphumo. Kwakukho ibali e Kiev, kubhaliweyo kumaphepha, xa namantombi aphumela ezitalatweni kunye bebephethe embiza ukubuyisela imali, ithintele ukuhamba kwezithuthi kwizitrato Kiev. Kwiminyaka emininzi yomsebenzi esisebenzayo yebhanki wayiqokelela bekuthi abathengi, ingakumbi ulawulo yangaphambili yeziko zemali usoloko yakha umsebenzi wayo ngendlela efana ukuzalisekisa zonke iimfanelo zalo kubathengi. Inye kuphela into ekholisa ngabanikeli namhlanje - ukuba ingxelo ye Alexander unobhala othatha isithuba phezulu lokuqala elifike NBU. Ngokutsho kwakhe, iinkonzo ezifanelekileyo namhlanje athathe onke amanyathelo ukuze kuziswe i "PSA" Bank (Ukraine) ukusuka emarikeni kunye ngaxeshanye ukwanelisa uninzi amabango abatyalwayo '.

Iintlawulo ezivela kwi Fund yesibambiso aqinisekiswe; nokuba ungenakuxhomekeka ubuncinane ngokusemthethweni?

Kanye ngoSeptemba 2014 kwi "PSA" iingxaki bank zanegalelo amawaka abantu ngaphesheya Ukraine ulawulo wethutyana yaqaliswa, iNgxowa-iidiphozithi aqinisekiswe ababephethe isinyanzelo ukuhlawula malunga 200 amawaka hryvnia abagcinisa ngamnye ukuba imali idipozithi ilingana no okanye inkulu kuna umgangatho iseti . Iintlawulo ziye zakhethwa ekupheleni kuka-2014, kwaye ngeli xesha kwaye kwi-ofisi bhokisi nangoku ofisi zokusebenza kwi-ofisi Ukrsotsbank emgceni baqala ukubuthana. umbutho Customer "PSA" ebhankini, nto leyo iidipozithi kwiminyaka embalwa edlulileyo nomtsalane kakhulu abantu zibhalwe izintlu ukucacisa ixesha intlawulo. Loo mhla emva kokuba ukutyelelwa nayiphi na imali ehlawulwe.

Udaba liyaqhubeka imihla ngemihla. Abantu kwakufuneka akhuphe amakhadi yaye bahlale ihlawulwe. Ulwazi malunga ukuphunyezwa ngokupheleleyo ukuzinikela phezu inxalenye National Bank Deposit Guarantee Fund iye okwangoku ingxelo. Imeko ihlala of edolweni namhlanje.

Ngubani ezigxeka Bakhmatyuk okanye imeko nge amehlo usomashishini ukrainskgo

Imeko apho hit "PSA" ebhankini, wabetha ezipokothweni abahlali abaninzi Ukraine. Kodwa eyona nto inomdla kakhulu kule meko ukuba zabelo ephambili kwiziko lemali Bakhmatyuk akayi kwamkela ityala lakhe. Yena ibeka uxanduva nokwenzeka NBU. Ngokutsho kuye, wacela ukuba asindise imeko ngokuba i ngamaziko mali, wayecebe ukuba imali kwi "PSA" Bank (Kyïv) njenge zabelo hryvnia neebhiliyoni ezintathu. National Bank wathembisa ukwenza capitalisation olungaphezulu mali ka-billion 4 hryvnia. Noko ke, ngomzuzu wokugqibela wala recapitalisation karhulumente. A iinzame yesibini ukugcina imeko usomashishini Ukrainian - kukubonelela ityala subordinated ye ibhanki kangangeminyaka eli-10, kodwa ngenxa yokuba yepothifoliyo yomtyali-ngayo lobulungu isithembiso sakhatywa. Izizathu zoku isigqibo NBU yaba iKhomishoni, nto leyo iye kufika ebhankini lokukhangela ulungise ubunyani ubuqhophololo zemali. Iinkcukacha ezindabeni zangaphakathi ibhanki ayikwazanga ukuhlola nkqu ziingcali phambi lonke ulwazi lwamanani ekhoyo. Media waqubuda yokuba nokungakwazi ukulawula le meko nizihlabe i NBU ekupheliseni yebhanki ngobukhulu kweli lizwe.