Bank "Tinkoff" abatshelekayo: ukubuyekezwa, izimo

Lapho kukhona isidingo ingcebo akuyona njalo isamba ezidingekayo ukuze iyithenge. Ngaphezu kwalokho, akubona bonke ababoleka abazimisele ukuchitha isikhathi sifuna nokubuyekeza yasebhange izinhlelo obolekisayo. Konke kuncike isifiso kanye nesikhathi. Kodwa kukhona inhlangano ongaxazulula zonke lezi zinkinga ngawe. Kuyinto kuqala yasebhange ye-intanethi waseRussia "Tinkoff". Mortgage, ukubuyekezwa kanye izici design yayo inkampani ziye zaba enye yezindawo ekusesheni okudumile kakhulu namuhla. Ngakho-ke, sanquma sihlaziye ezikhona bese uqonda ukuthi umnikelo ovela ebhange. Yiziphi izici le mpatho? Kungakanani kungalindeleka? Futhi inqubo yokubhalisa kuyehluka kuneminye zokuthenga ngesikweletu?

Isifinyezo Bank

"Tinkoff" - olungavamile kakhulu amabhange eRussia, onguchwepheshe kwamakhasimende nge-Internet. It ekuqaleni ngokuthi "Himmashbankom" futhi yadalwa 1994. iminyaka engu-11 kamuva athengwa ngu usomabhizinisi owaziwa Olegom Tinkovym, ngubani ephethwe hhayi kakhulu kuphela ukushintsha igama enkampanini yezimali, kodwa futhi ukuba bayihlole kabusha isimiso emsebenzini wayo.

Yini amasevisi "Tinkoff"?

Njengoba yethula emakethe yezimali Russian Federation "Tinkoff" (mortgage - isevisi ubonakele lapha muva) belahla izindinganiso umsebenzi ezivamile ngokuphelele. Injongo yalo iwukuba ukukhulisa version ukukhanya isevisi zokukhekheleza. Ngokwesibonelo, zonke izinhlelo zaleli isiqinisekiso loan, kwenziwe ukude. Futhi kuphela ehhovisi lenkampane kwaba yangempela yasebhange egatsheni elise ekhelini eMoscow :., Volokolamsk 1-y ndima, 10, ukwakha 1.

Njengoba base bethuthela emakethe yasekhaya, iBhange wadala wanikela ezihlukahlukene imikhiqizo amasevisi ngesikweletu. Omunye futhi elalidume kunawo wonke phakathi kwabo kukhona amakhadi esikweletu ekhishwe mode ku-intanethi. Zisese uhlobo ibhizinisi ikhadi inkampani. Ngeke sigcine lapho, abamele yisiboniso ngezikhathi ukwethula amasevisi amasha. Ngakho, muva nje uvele isikhashana ezilingayo deposit izinhlelo imvume okusheshayo newokukhokha ku imenyu sabo sezimali.

Ngemva kwesikhathi esithile futhi, ibhange lenza ukunikeza izinsizakalo professional mortgage broker. Lesi sikhathi kuphothifoliyo imikhiqizo yasebhange babe isikweleti sendlu, okuyinto babé iwuhlelo olusha inkampani "Tinkoff". Mortgage, imigomo okuyinto kukhethwe ngamunye, ngokushesha wathandwa izinhliziyo amakhasimende amasha kanye endala yisiboniso.

Mfushane kukhona abatshelekayo "Tinkoff" ebhange

Ngokungafani nezinye izikhungo zezimali, ibhange ngokwayo akukuniki out ukubolekisa ekhaya. Kulokhu, it uba umlamuli esikweletu inikeza imikhiqizo mortgage ka nabalingani bayo. Yena unesibopho kokuthola izicelo inthanethi evela kumakhasimende abafisa ukuthola imalimboleko izindlu, kanye nokubonisana zabo esigcwele ku evuma nezindaba. Wabe iqoqa kusukela ababoleka ezingaba amaphepha adingekayo futhi abahambisele izicelo isicelo impendulo kwamanye amabhange umlingani. Ngemva kwalokho umuntu uyasho ukwazi ukujwayelana kukho bese ukhetha uhlelo olufanele mortgage. Kanjalo-ke, eqinisweni, okusebenza "Tinkoff" (ibhange). Nokuthathelwa kungukuthi wenza, kodwa kuvela usizo lochwepheshe Ukukhetha yayo kanye nomklamo.

Credit Cards Wiki ku "Tinkoff" amabhange - ingabe ewusizo?

Ukubhaliswa mortgage loans ngokucophelela kakhulu futhi ibhizinisi sina. Ngoba kubalulekile kangaka ukukhetha hhayi kuphela ebhange, kodwa futhi uchwepheshe credit ukusiza ngamazwi nangezenzo. Ukuphendula isikhalazo sakho, "Tinkoff" -Bank (mortgage kule nhlangano kuzosiza ukuxazulula izinkinga ezikhona izindlu) ngeke ukukunikeza eziningi amalungelo. Ngokwesibonelo, uma unayo imibhalo efanele, ungathola loan ruble ezingu 100.

Ngaphezu kwalokho, uzothola nje wesikhathi esisodwa babonisana free futhi contact nokunwetshiwe nemenenja siqu. Ukuthi uzokwazi sokususa ukungabaza nokungaqondi kahle imali ebhange, ukubala inani ngokweqile bahlelekela nesimiso anolaka imalimboleko.

Ngaphezu kwalokho, mortgage ku "Tinkoff" -Bank (I-opharetha wenethiwekhi Izibuyekezo ingatholakala ngezansi) lokhu kuhilela ukwenza inkokhelo yokuqala ngaphakathi 15%. Ngaphezu kwalokho, uma sithatha imali-mboleko zezindlu ngokusebenzisa ukusungulwa "Tinkoff", uyokwazi ukulondoloza iphesenti izinga ebhange. Futhi kungcono kakhulu ukubuyeka inzuzo engaphezu kuka-ukuxhumana umbolekisi ngqo. Ukuze uqhathanise, lapho eboleka lwemali ezifuywayo ukubheja iqala ngo 10.5%.

Ekugcineni, isikhalazo kule inhlangano yezimali kuzasiza amathuba okuthi ukwamukelwa loan. Lokhu kungenxa yokuthi isicelo iklayenti ithunyelwa namabhange amaningi. Lokho kakhulu ukunciphisa isikhathi ukuthola unciphise ibanga abakweletwayo ezingaba khona.

"Tinkoff": mortgage, yangempela (Petrozavodsk)

Naphezu kweqiniso lokuthi Ibhange inikeza amasevisi Brokerage muva, baye kakade wakwazi ukusizakala abantu abaningi. Ngokwesibonelo, lezi izinkondlo laudatory ziqondiswe inhlangano yezimali ungezwakala kusuka izakhamuzi Petrozavodsk. Abanye babo bakhuthazwa isevisi abaqeqeshiwe kanye ngezilokotho abasebenzi ibhange "Tinkoff", okuyinto ukweluleka kalula bese uphendula imibuzo ocingweni.

Abanye abasebenzisi, labo banesithakazelo mortgage "Tinkoff" (izibuyekezo zohlelo kungaba asizwe sabantu abanemfundo yamazinga ahlukene ingcebo), bathandile lula inqubo. Ngokusho kwabo, bona kuphela wathumela isicelo, futhi abasebenzi yenkampani abasenzele kubo bonke abanye: isivumelwano ne ebhange, nge umshwalense futhi asihlole izinkampani. Kafushane, "Ol okufakayo" noma yonke indalo.

Ingxenye yesithathu bathandile inkimbinkimbi izinkokhelo. Njengoba Bathi, inkokhelo yanyanga zonke ngaphandle kwezinkinga, ungakwazi enumerate ngokusebenzisa imishini "Euroset" futhi "I-Messenger". Okwesine wanelisa ukuthi amasevisi Brokerage yebhange baqiniseka mahhala amakhasimende abo.

Njengoba ubona, abantu abaningi bayajabula ukubuza imibuzo kulabo ababamba bengatshelekwa ku "Tinkoff" BANK. Uphenyo ababoleka abanolwazi ukusiza ukuhlola izingozi ezingaba khona futhi ukuthola bona eziningi amacebiso awusizo.

Njengoba inkonzo bunikezwa ebhange?

Ngezimpawu namasevisi ibhange kuzomele uthumele isicelo. Kufanele ucacise ezilandelayo:

• ngegama lakho eligcwele;
• inombolo yokuxhumana yefoni;
• pin imeyili.

Ngemva kwemizuzu embalwa ukuthumela ifomu lesicelo abanesifiso umboleki ixhumana nomele ibhange. Ngesikhathi socingo, uyasiphendula imibuzo uyambuza mayelana isamba semalimboleko nezinye umehluko wemisindo nemiqondo yamagama. umphathi yisiboniso futhi wazisa amaklayenti iphakheji kwemibhalo, yena kuyodingeka. Futhi isebenza mortgage "Tinkoff" BANK. Amazwana mayelana inkonzo yinkampani ekuvumela ukuze ufunde kabanzi mayelana nohlelo.

Yini imibhalo kudingeka ukubhaliswa?

Ngokusho nabasebenzi ibhange "Tinkoff", ngoba loan eside elindelwe izindlu kumele bathumele lezi zincwadi ezilandelayo:

• ifomu lesicelo;
• ikhophi yencwadi umsebenzi (kufanele iqinisekiswe yi-umqashi);
• ikhophi ipasipoti we Russian Federation (kuhlanganise Amakhasi lingenamuntu futhi egcwele);
• isitatimende sokuqala yefomu 2-PIT noma ezinye yasebhange iphethini.

Ake sithi wena sisondela isicelo "Tinkoff" ebhange (mortgage, izibuyekezo mayelana isevisi - konke lokhu ngokuvamile nesithakazelo ababoleka engaba). Kodwa kanjani ukuze uthumele imibhalo eshiwo ngaphezulu, uma wonke amasevisi kuyenziwa ku-inthanethi?

Kanjani ukuze uthumele imibhalo loan?

Ngokusho imithetho Bank ekudluliseni amadokhumenti anele ukugcwalisa scan yabo noma ukuthatha isithombe. Yilokho amakhophi nje enjalo ezibukwayo kumele enziwe lesinqumo high, aqukethe lettering ecacile nezinombolo. Kungenjalo uyoba ukuphinda yonke inqubo phambili.

Kungenjalo, ungakwazi scan amadokhumenti futhi uzitholele kubo. Nokho, kulesi simo-ke kuyadingeka ku ngamunye ukuba abeke isignesha yakhe kanye nosuku Dispatch. Ngemva kwalokho, le amaskeni ephrintiwe kungenziwa ezithunyelwe ngefeksi: +7 (495) 645-59-09. Noma nethuba ukuthumela yabo RF-imeyli.

Ingabe kudingekile ukuba ngivakashele ihhovisi lebhange?

Uma wabuza "Tinkoff", kulesi simo, mortgage ikhishwa kuphela ingxenye ukude. Ukuze ukuza ehhovisi kusadingeka. Kodwa kuphela ukusayinwa sokugcina nesivumelwano sokubolekwa.

Yini ababolekisi abasebenza nge ebhange "Tinkoff"?

Okwamanje ubambisene ebhange okulandelayo credit izikhungo:

• "Uralsib Bank";
• "Absolut Bank";
• "Delta Credit Bank";
• "AK inkantini Bank ';
• "Housing Finance Bank";
• "TransCapital Bank";
• "Investtorgbank".

Yini abantu bathini mayelana mortgage ku "Tinkoff" izakhamuzi yasebhange ezifundeni ezahlukene?

Njengoba kuboniswe, in the "Tinkoff" ebhange (mortgage, real nemibandela wo hlinzeka kuphakamisa imibuzo eminingi phakathi ababoleka engaba) azibamukeli abantu abavela ezigodini ezihlukahlukene yeRussia. Ngokwesibonelo, phakathi abasebenzisi Izibuyekezo zingatholakala izakhamuzi eMoscow nesifunda, Rostov, Sochi, Novocherkassk, Kirov, Vladivostok, Petrozavodsk, eSt Petersburg nakwamanye amadolobha aseRussia.

Phakathi kwalezi Izibuyekezo kukhona okuhle nokubi. Ngokwesibonelo, ezinye ababoleka angabuyisela bhala loan ukuthi ngosizo "Tinkoff" ebhange bakwazi ukuhlela mortgage at 10,45% ngonyaka. Naphezu kweqiniso lokuthi yonke indawo wala zabuzwa iziqinisekiso ezengeziwe ngesimo yesibili co-umboleki.

Abanye ukhulume ijubane isinqumo loan. Ngokusho kwabo, empeleni kwasiza ibhange "Tinkoff". Mortgage (ukubuyekezwa wakhe kabusha isithombe wangempela inqubo yokubhaliswa) imizuzu 25-30 nje zavunyelwa ngokusekelwa abaphathi enkampani. Kanti abanye bayabonga iseluleko lochwepheshe nosizo yokuthola inhlangano Ikhredithi abasebenzi ngabanye "Tinkoff". Bathi amagama abo, kanye express izincomo ezithophayo at kubo.

Futhi-ke, kukhona labo abangajabule nge izinga lenkonzo. Ngokusho kwabo, ukuskenwa imibhalo uhlelo ukugcwalisa aluphelele. It onezinkinga, futhi ayikuvumeli le mpahla ephelele. Zithi ngenxa yezinkinga ehhovisi yangasese amaskeni elenga "limbo" amasonto amathathu. Ngenxa yalokho, abamele "Tinkoff" Bank zisuswe kuwo wafike wacela ukuthumela futhi. Amakhasimende walahlekelwa isikhathi kwadingeka ukuba mathupha ukuya amabhange beyofuna umbolekisi efanelekayo. Nanyana kunjalo, ukutshwaya zinjalo ngaphandle kunokuba ukuhlukumeza njalo kohlelo.