Amabhange-Partner UniCredit Bank. A uhlu lwamakheli

Izinto zesimanje uhlelo yasebhange sifana ulwembu: Zonke izikhungo zezimali eduze okwakuthandelene, babe umlobeli akhawunti, inethiwekhi ahlangene ATM futhi wenze indlela ekabili msebenzi.

Uma ufuna ulwazi mayelana UniCredit Bank, ikheli bamagatsha awo, kanye nolwazi mayelana nabantu esebenza khona, khona-ke lesi sihloko nje ngawe.

A kancane mayelana ebhange

JSC "UniCredit Bank" ezisebenza eRussia kusukela ngo-1989, ungumholi e-services zezimali emakethe. Kufanele kuqashelwe ngesikhathi esisodwa ukuthi ingabe lomkhulu emkhatsini izikhungo ukuthi babe dolobha angaphandle. Zonke amasheya aphethwe UniCredit Bank Austria AG, ikomkhulu Austria.

Ungomunye amabhange esikhulu kunazo zonke eRussia, edlala indima ebalulekile empilweni ezezimali nezomnotho emphakathini.

Yini amasevisi?

Njengoba UniCredit Bank ingenye abadlali enkulu emakethe yasebhange, uhlu imikhiqizo yayo zezimali ngempela ezibanzi. Lokhu ukubolekisa kanye imali, ezuza, amasevisi ukuphathwa cash, nokuningi.

Uma sikhuluma idiphozi izinhlelo, inqubomgomo wamabhange akavele awanakufundwa omisiwe amazinga emakethe isilinganiso. Ngokwesibonelo, ngo-3 izinyanga ngegalelo lakhe in ruble - mayelana 9.3%. Yiqiniso, ungakwazi ukuthola kalula yisikhungo sezinhlangano eziphambili zezezimali ezinikeza 3-4% ephakeme kunaleyo UniCredit Bank. Petersburg azihlukile lapha, futhi, ungathola amabhange, enganikeza amazinga ziphakeme.

inqubomgomo Market kuyafana ukuthi, kubo bonke amabhange ezinkulu nekomkhulu angaphandle

Kodwa uzophawula mkhuba futhi emakethe izimo, enganikeza nokubambisana zonke amabhange ukuthi babe dolobha angaphandle. Njengoba zisekelwa e izimali zakwamanye amazwe, isidingo ephezulu imali esuka e-United States noma European Union, akudingeki. Lokhu kubonakala amazinga aphansi for imali kumadola noma euro (mayelana 1-3%).

Okwamanje, ungabuka futhi amazinga iphansana. Kungani? On ke kukhona okungenani ngenxa yezizathu ezimbili.

Okokuqala - lena Imininingwane kwemali. Njengoba lezi amabhange ivezwa ezindaweni eziningi ezinkulu ububanzi futhi athuthukiswe inethiwekhi amagatsha, amahhovisi, ATM, bekwazi buthelela kwemali enkulu ezweni lonke.

Lokhu kukuvumela ukuba ngeke igxile isigaba ezithile amaklayenti noma kumigomo umnotho kwesifunda, okuyinto incike kwengqalasizinda yezimboni esifundeni lapho ibhange elikhona.

Akukho iphuzu ukuheha amakhasimende amasha ngenxa yezinguquko zenzalo - isithombe kudlala indima

Ngenxa yalesi ungakwazi ukuqoqa imali yonke indawo futhi nawo wonke umuntu. Ngakho, inani imali lizakhele nje. Ngoba endaweni ethile bayohlale bekhona abantu abangafuni ukuba imali iminikelo yabo futhi ufisa nje imali endaweni ephephile.

Okwesibili - lena isithombe ebhange, okuyinto ephethwe yiqembu angaphandle yezimali elinesithombe okusezingeni eliphezulu. Yiqiniso, lezi zinhlangano abantu bethemba kakhulu futhi bazimisele babanike imali, uwabheka indawo ethembekile ukugcina imali yabo.

Kakade, ukhona yini ingabe ufuna ukunikeza imali yakho - ibhange ukuthi kukhona isonto elilodwa noma iqembu elikhulu ngokwezimali, nesebenzela inani elikhulu minyaka futhi uvezwa inombolo ethile emazweni angaphandle?

Phela, inhlokodolobha angaphandle ivikelwe kusuka isimo sezombangazwe izinkinga umnotho kwelinye izwe, njengoba kwaba njalo endabeni ka izidingo ngezimali kalula kungenziwa adluliselwe ngaphandle.

Konke lokhu kunomthelela yokuthi amabhange enkulu, okuyiwona ayingxenye ebaluleke kakhulu eqenjini zezimali zomhlaba, asikho isidingo ukuba anqobe emakethe ngokwandisa amazinga ahlinzekwa for imali.

nokubambisana letihlomulisa

Umbuzo we nokubambisana ngokusebenzisana namanye amabhange, naphezu sesimweni esihle kakhulu, kuyinto eza kuqala kubo. Kulesi sihloko uzofunda yiziphi amabhange-partner UniCredit Bank njengoba ukusizakala ebanzi umlingani inethiwekhi, nolunye izixhumanisi eziwusizo ibhange elinjalo.

Ngokuvamile, amabhange uyavumelana ekubambisaneni ukwandisa isibalo amaklayenti asebenzayo. Ngokuvamile, ukubambisana okunjalo kubonakala inhlanganisela ATM amanethiwekhi, ekwenzeni izinkokhelo ngentengo encishisiwe, kanye nezinsiza zezimali eziningana inkonzo ngokuhlanganyela.

Yiziphi amabhange-abalingani Unicredit Bank?

Ngenxa yokuthi ibhange kuyingxenye iqembu lomhlaba wonke amakhasimende cool kakhulu phesheya, ngoba kukhona eningi amabhange axhunyiwe.

Ngokwesibonelo, UniCredit Iqembu umelwe e 14 amazwe aseYurophu, ezinjenge-Austria, Bulgaria, eJalimane, Hungary, i-Italy, ePoland, Turkey, Ukraine nabanye. Ngamanye amazwi, ngisho nalapho ehamba, ungasebenzisa ATM futhi amasevisi ebhenki ku ngaphansi kwezimo ezimvunayo.

Uma sicabangela izinga Russian Federation, amabhange-partner UniCredit Bank kanje:

• URALSIB Bank;
• Imithombo Bank of eMoscow ;
• Raiffeisenbank.

Okwenza lokhu kubambisana? Okokuqala, amaklayenti ukufinyelela inethiwekhi ebanzi ATM, lapho kungenzeka imali ngaphandle ikhomishana: mayelana 1,000 yayo, ezingaphezu kuka-2680 izingcezu. URALSIB inenxenye mayelana 900. ngesikhathi eMoscow Credit Bank, ngaphezu 7000 izingcezu. It ewela Raiffeisenbank.

It kuvela ukuthi amakhasimende JSC "UniCredit Bank" itholakala kusukela inethiwekhi ATM angaphezu kuka-10,000, lapho kungenziwa ababebakhonza "ekhaya" yamanani. Lokho ikhomishana icala ukuze imisebenzi kuyafana, lokho kungaba sikhungo sabo sezimali.

It kuvela ukuthi amabhange kuhlanganise UniCredit Bank abalingani, isevisi yenethiwekhi amaklayenti kunalokho enkulu, futhi kungakhathaliseki lapho ukhona, kuyohlale kukhona ithuba ukusebenzisa amasevisi ebhenki.

Amabhange uthanda ukubambisana izinkampani zomshuwalense

Inzuzo enkulu ukubambisana okunjalo kungenziwa kubhekwe njengento ejensi, okuyinto ibhange uthola edonsa amakhasimende amasha ngaphansi kohlelo olubizwa ngokuthi inkampani yomshuwalense. Kulokhu, nokubambisana kuyazuzisa zombili izinhlangothi.

Okokuqala, base ikhasimende sizonwebisa ngesikhathi esisodwa, ngoba ibhange ulwandle amathuba ukunikela amakhasimende abo umshwalense - credit entsha noma sibadala, neminye imikhiqizo yasebhange cross-ukuthengisa kanye nabanye.

Okwesibili, inkampani yomshuwalense ngeke "ukukhiqiza" eningi emahhovisi abo kulo lonke idolobha. Vele usungule uxhumano mobile ebhange.

Ngenxa yakho konke lokhu, ibhange kuthatha ngokwayo kumaphesenti athile, okuthiwa i-ejenti ibhonasi. UniCredit Bank, zomshuwalense-abalingani ukuthi sezisungule nokubambisana asebenzayo, futhi uhola imali kuso futhi siwusizo kakhulu, uma kucatshangelwa inani elikhulu iziboshwa izinkontileka.

Futhi ngempela eziningi abalingani, nge ezahlukene kakhulu phakathi izinkampani zomshuwalense. Ingabe okulandelayo edume kunazo: "Ingosstrakh", OJSC "Rosgosstrakh", JSC "Alpha Insurance" futhi abaningi abanye ngaphezulu.

Lapho ungathola emagatsheni amabhange?

Njengoba lokhu inhlangano yezimali sikhulu ngokwanele ukuze ithunyelwe ezimakethe Russian, uhlukanisa abakhona acishe yonke indawo. UniCredit Bank, ne amagatsha amelwe 25 izifunda zezwe, ekhona emadolobheni 69.

Futhi ngamunye kubo uzothola eyodwa, kodwa amagatsha ambalwa noma njengoba abaningi, ATM namahhovisi, okwenza eduze ibhange amaklayenti ngamunye. Kungakhathaliseki ukuthi uhlalaphi, eseduze ungathola njalo UniCredit Bank. Petersburg kunesithembiso amagatsha 15 namahhovisi we isikhungo sezezimali. Lena ngempela inqwaba amagatsha, ikakhulukazi uma siqhathanisa nabanye amabhange.

Kunengqondo ukuthi e Moscow, inhloko-dolobha yaseRussia, okuyinto isikhungo sezimali yezwe, khona inani elikhulu abameleli abavela esikhungweni sezimali njengoba UniCredit Bank. Ukwahlukana kungatholakala kokubili Prospect Mira, 97, kanye st. Ostozhenka. 5. La mahhovisi ziboniswa isibonelo njengoba omunye ethandwa kakhulu.

Ngisho noma uhlala e Rostov-on-Don, kalula ungathola UniCredit Bank. Amakheli ofisini alandelako ethandwa: Str. Ndawonye namakhomanisi 58/51 Street. Tekuchova 139/94.

Ngisho noma ngokuqondile edolobheni lakho akuyona ebhange, futhi ucabanga ukuthi ngeke ukwazi ukuze zikhiphe imali ATM ngaphandle izimali, kodwa ungakhathazeki. Amabhange-partner UniCredit Bank eRussia, wena ukusiza. Njengoba ngishilo ekuqaleni, united yasebhange inethiwekhi imisebenzi ATM yabo mahhala kanye ngamacebo abo sikukhonza yezezimali.