Bank "Ugra": isilinganiso ukuphepha kanye nohlu namasevisi

"Ugra" ebhange Russian yangasese yasungulwa ngo-1990. Linganisela le nhlangano kuphezulu kakhulu. Kuyinto endaweni 29 phakathi phezulu amabhange Russian. Nokho, impumelelo yakhe kanye namasevisi, sicela usitshele kabanzi.

Kafushane mayelana inhlangano

Njengoba kushiwo ngenhla, 'Ugra "isilinganiso yasebhange ehloniphekile. Futhi sikhulela njalo. Abantu abaningi ngokwengeziwe ukwethemba imali yabo ebhange. Okwamanje, ivolumu yasebhange "Yugra" Izimpahla 323 280 466 000 ruble. Nakuba ngesikhathi ngenyanga edlule ka-November, imbuyiselo kukhuphuke ngo-4.41% - laya ezigidini ezingu-13.65.

It yasungulwa ngo yaseTyumen. Ikomkhulu eMoscow. Ngokuthakazelisayo, "Ugra" yokuqala iye yasakazeka njengosongo uhlobo "engeza" kuya "Promstroibank" USSR. Nokho, ngo-1992 inhlangano lalenziwa inkampani ehlukile, okuyinto yaziwa ngokuthi okuhlangene isitokwe ebhange zentengiso. iminyaka engu-3 kamuva, ngo-1995, "Ugra" usejoyine SWIFT - Society for Emhlabeni wonke Interbank simiso ekwenzeni izinkokhelo kanye nokudlulisela ulwazi. Futhi kusukela ngo-1999, le nhlangano yaqala ukukhiqiza amakhadi abo ebhange Cirrus / UNGOTI WOMCULO and Eurocard / Mastercard.

Kodwa ashukumisayo "eqa" yangempela kwenzeka nokukhula ngo-2013. Ngalowo nyaka, izimpahla yebhange kukhuphuke ngo izikhathi 38. Ngokwemvelo, inhlangano "Bank of Ugra" isilinganiso futhi sathandwa - kusuka 261 th 28 endaweni th. Futhi kwaba nomthelela kule nkinga, ngokuyinhloko, abantu ngenkuthalo uqale ekwenzeni iminikelo.

udumisa

Njengoba singabona, isilinganiso ibhange sika "Ugra" ngokuthembeka (ngokuvumelana Central Bank) ehlaba umxhwele. Futhi ezingeni creditworthiness enhlanganweni okuqinile - "A". Ngaphezu kwalokho, uyisibonakaliso owawina imiklomelo eminingi emkhakheni wezezimali.

Ngokwesibonelo, ngo-2015 wanikwa umklomelo "lwezezimali Elite of Russia" ku ukuqokwa "Bank Yonyaka". Ngo-2014, "Ugra 'nayo abamenyiwe. Kodwa wabe wathola umklomelo esinye isigaba, okuthiwa "The Dynamics ukuthuthukiswa."

Futhi, ibhange waklonyeliswa umklomelo kazwelonke emkhakheni ibhizinisi "Inkampani Yonyaka" ngokuba ezingaba namathemba. Futhi okwamanje "Ugra" won esigabeni "Regional Bank." Kodwa kwakusasele umklomelo, eyaziwa ngokuthi i- "lwezezimali Olympus".

Faka bese uhola

Kwaba nale njongo, abantu abaningi ukuya "Ugra" ebhange. Linganisela le yasebhange kakhulu, futhi ngenxa yalokho ungamethemba. Ngaphezu kwalokho, amakhasimende ahlinzekwa amazinga ukuhlulwa.

Ngokwesibonelo, cabangela izinkondlo, okomnikelo "ngonyaka Kuyazuzisa." Itholakala zezimali ezintathu - ruble, zamadola euro. Inani ubuncane ukutshalwa - ruble 100 000 ($ 1500 noma 1000 €). Kuyinto kunenzuzo kakhulu ukuvula idiphozi izinsuku 367. Khona-ke iphesenti lingaphezulu. kungenxa ruble ezifakwa kuyinto 8.4% ngonyaka (uma umuntu lufakwa kancane kuka-300 000) futhi 8.5% (uma lemali idiphozi phezu 300 TR).

Futhi ke kukhona tariff "Ubuningi". Kuyinto kunenzuzo kumakhasimende abami kahle. Okuncane deposit lemali kufanele kube isigamu sesigidi sama-ruble, futhi esiphezulu -. Kwezigidi ezingu-20 Isixazululo kakhulu engabizi - ukuze uyivule ukuze izinsuku 151-180. Kulokhu, siphakamisa izinga elihle kunawo - 9.2% ngonyaka. Uma, ukwenza isibonelo, umuntu usise kwezigidi ezingu-20 izinsuku ezingu-180, ekupheleni kwesikhathi izinyanga eziyisithupha (uma round), uzophila ruble engaphansana nje kwengu-920 eziyinkulungwane inzuzo kusukela isithakazelo. Yini ngempela kuba imali enhle yekwentiwa.

mortgage

Njengoba izindlu kuyadingeka ukuze umuntu ngamunye, kodwa lemali edingekile ukuze ithengwe yayo ngokwanele hhayi wonke, abantu abaningi bakhetha ukuba athathe mortgage. Iningi lalaba bantu abaphendukela "Ugra" ebhange. Ukuthembeka Isilinganiselwa obuphathekayo, nezimo ngale.

Abantu bayakhuthazwa ukuthenga, ukupheka, futhi izindlu ngaphansi ukwakhiwa. inkokhelo Down - kusuka 20 per cent. Uma ukuthenga senziwa usomabhizinisi yangasese, usayizi waso kuzokhulisa ku-50%. Okuqukethwe mortgage may isikhathi esiyiminyaka emithathu kuya amathathu. Okuncane loan Isamba 300 000, esiphezulu - abayizigidi ezingu-10. A ukujanyiswa kwesikhatjhana buyiselo zakuqala akuyona, kodwa kubalulekile ukuba ukuthathelwa umshuwalense othengiwe.

Ibhange "Yugra" isilinganiso ngokulandela mortgage muhle. Le nhlangano ehilelekile ekuqalisweni kwezinhlelo zesifunda nokazwelonke ukuhlinzeka izakhamuzi izindlu, ngakho asikho isizathu hhayi ukuthemba wakhe. Kodwa izimfuneko ababoleka - njengakwezinye izindawo. yisakhamuzi isiRashiya, ukubhaliswa yokuhlala, yobudala esemthethweni (engu-21), okungenani imfundo yesibili, ubuncane isipiliyoni yonyaka, futhi indawo yokugcina - 6 izinyanga.

Ukuze amakhasimende ezinkampani

Bank "Ugra" kule simo amabhange kuthatha okuqinile. Ngezindlela eziningi - ngezithukuthuku ukuqiniseka amaklayenti ayo ezinkampani, abaqhubeka ngenkuthalo basebenzise amasevisi ayo.

Bayakhuthazeka abolekise, imali isiphetho, Depository, broker and yasebhange akude, angaphandle ukulawula exchange, ezuza, obubhalwe ukuthengiselana kanye namakhadi yokubhalisa nge ngamazinga ezikhethekile. Isevisi wesibili ikakhulukazi funa. Credit card - yindlela enhle ukuqapha izindleko yezinkampani. Siyabonga kubo, asikho isidingo ukugcina niqoqe imali, bese ugcine amarekhodi enemininingwane wokumelwa kanye nokubamba zohambo ibhizinisi. Kukhona amaphrojekthi ezintathu - iholo (ukukhokhwa abasebenzi nomvuzo), yenkampani (izindleko inkampani ukuphathwa), kanye ngalendoda (uthumele esiningi imali ama-akhawunti wezinkulungwane osomabhizinisi ngabanye nezinhlangano ezingokomthetho nge-ATM).

Amanye amasevisi

Futhi uzinake ukuthi izikhungo eziningi zezimali abaphendukela "Yugra" ebhange. Yini indawo kule simo amabhange has inhlangano - kushiwo ngenhla. Futhi ezingeni enjalo ephakeme ithemba ngisho yisikhungo sezinhlangano eziphambili zezezimali. Basuke ababemenyelwe Luhambo nokubekwa kwezimali emakethe imali (kokubili lwemali Russian kanye angaphandle), 2-indlela izingcaphuno of kwezezimali, ngokusobala ukuvulwa kwaleyo umlobeli akhawunti, amasevisi esitokisini, amasevisi Brokerage, izibambiso ukuthengiselana, nokuningi.

Ibhange "Yugra" Eqinisweni banganikeza ngakho ewusizo okuningi. Ngamunye inkonzo ngendlela yalo okungasizuzisa ezinhle. Kodwa into ebaluleke kakhulu - inhlangano ungakwazi ngempela uthembeke. Futhi iqiniso lokuthi amashumi ezinkulungwane zabantu basebenzise amasevisi ayo - isiqinisekiso ngqo.