"Delta Bank":-Google + futhi abasebenzi

Naphezu nomlando wayo esifushane, "Delta Bank" iye yazuza ngokushesha ukuthandwa phakathi kwabantu. Abantu ne ongaphakeme futhi emali lengenako lesemkhatsini zezimali nesikhungo ovunyelwe ukuthenga izimpahla ngesikweletu noma aboleke imali. Bank kalula ukusinda bomnotho e-Ukraine ngo-2008. Nokho, namuhla, izinto akuzona bushelelezi ngakho.

Umlando omncane

PJSC "Delta Bank" yabhaliswa ngo-February 2006. Ngesikhashana nje ukuthi kwakuqala ukwanda okukhulu phakathi kwabantu. Umsunguli main kuyinto Nikolay Lagun. Izikhungo zemali basungula ngejubane umbani sibonga umthengi credit. Cishe kuzo zonke hardware esitolo kwaba komele inhlangano anikela ngalo ukukhipha credit ngoba inzuzo. Credit Cards - Ngemva kwesikhashana, umkhiqizo omusha yethulwa.

Kuyinto isikhungo jikelele PJSC "Delta Bank". impendulo kwamakhasimende libonisa ukuthi kukhona odwa futhi ukukhipha ezihlukahlukene imikhiqizo zezimali. Kodwa ekuqaleni umsebenzi wayo omningi walo iphothifoliyo Kunenkolelo loans ezincane umthengi. Mhlawumbe ngenxa ukuthi wakwazi ukusinda izinga lokwehla kwamandla emali ngonyaka ka-2008. Phela, abathintekayo ikakhulukazi amabhange ukuthi kugcizelelwa mortgage nemoto sokubolekwayo.

Mayelana isikhungo sezezimali namuhla ungezwa ezihlukahlukene izimpendulo. "Delta Bank" (Ukraine) inenethiwekhi sasivumela olunzulu amahhovisi. Ngo-2014, 222 legatsha ezweni lonke kwatholakala. Amaklayenti lalingabulawa kalula ukhokhe imali noma ukubeka imali ku idiphozi ngaphandle ikhomishana. abanikazi bamakhadi kuphela abasala enganelisekile. Phela, inethiwekhi ATM we isikhungo sezezimali lalilincane kakhulu.

abolekise umthengi

Izinga eliyisisekelo isikhungo sezezimali kwenza ukuba inani labantu nge losemkhatsini futhi ongaphakeme. Made ngaphandle ukubolekisa yezimpahla phezulu kuya kwezingu-20 hryvnia. Kwakumelwe umthengi ukubolekisa elula ngaphandle eseduze kuqalisa. amakhasimende izinto eziningi ezijabulisayo, ukuthi wokungena kuphela ipasipoti ikhodi ukuhlonza kwaba ukuba balethe izidingo zomphakathi. Yonke inqubo yalokho kuthengiselana wathatha imizuzu 40 kuphela. Ikhasimende igcwalisa isicelo nge idatha main, salinda kwaze kwaphela ukuhlolwa impendulo credit. Ngemva kwesikhashana, umuntu wayengabulawa uma uya ekhaya nge sempahla ethengwayo.

Isikhathi esiphezulu okuyiwona kwakunokwenzeka ukukhipha umthengi credit, kwaba izinyanga 36. izimo abaqotho Enough nekayinikela "Delta Bank". Izibuyekezo imali kumakhasimende basala kakhulu omuhle. Phela, ngezinye izikhathi inhlangano yezimali lokufeza izenzo owawuyidinga wathi ufuna ukuthenga izimpahla at 0% Apr.

amakhadi esikweletu

Credit Card - Ngo-2007, umkhiqizo omusha yethuliwe ebhange. Manje amakhasimende ukuthenga izimpahla, akuzange kudingeke ukuba uxhumane ebhange noma endaweni yokuthengisa. Imali kungaba ngasiphi isikhathi bahoxe ekungeneleni-akhawunti esikweletu, noma ukhokhe esitolo ngokusebenzisa esigungwini. Credit card Uthole ezihlukahlukene izimpendulo. "Delta Bank" (Ukraine) ekuqaleni enikeziwe ezimbili izinhlobo wesikweletu. imikhiqizo Universal oluwanikeza amakhasimende waphendukela isikhungo sezezimali okokuqala. Kwakuyisikhathi ikhadi nge umkhawulo wesikweletu afika ku 3000 UAH. futhi lokuthenga ngesikweletu futhi inzalo ka 23% ngonyaka. Kwakunesidingo futhi yomkhiqizo wezezimali abaqotho. Lena i-credit card enikeza amakhasimende ubambisana kakade nge ebhange. Umkhawulo wesikweletu kuyinto 5000 USD, futhi inani lenzalo -. 19% ngonyaka.

Ngenxa ikhadi plastic isikhungo sezezimali wakwazi ukwandisa portfolio ayo loan. Cishe zonke ikhasimende abake wenza isivumelwano ne ibhange wasutha, futhi wafuna ukukhipha ikhadi lesikweletu. Ngo-2008, i-design of amakhadi epulasitiki kunqanyulwe ngesikhathi tetemnotfo. umkhiqizo Ibuyiselwe (nge nezinye izimo ezimbalwa) kuphela ngo-2010.

Cooperation zimali

Kusukela yaqala ukuba khona, isikhungo sezimali idonse zimali. Inkontileka ezifakwa wayencike kokubili kazwelonke futhi izimali zakwamanye amazwe. Bona ezazithandwa kakhulu ngaleso ezifakwa kakhulu eside. Amaklayenti nethuba ukubeka imali 18% e yendawo futhi ngo 9% yangaphandle. Ngesikhathi izinkinga zezomnotho, zenzalo yokuzigcina ezifakwa kunyuke. Abantu babesaba ukwethemba imali yabo yisikhungo sezinhlangano eziphambili zezezimali. Found indlela amakhasimende ayo, "Delta Bank". Izibuyekezo emabhange ka 2008-2009 ungenziwa kuphela ukuzwa omuhle. Phela, uma kwakunokwenzeka ukwenza idiphozi lwemali kazwelonke ngaphansi 24%! Abantu ababeka asesabi obumbi futhi BEKA imali yabo ebhange, bakwazi ukwandisa-dolobha yawo.

zimbi kakhulu kwakunjalo ngo-2014. Amakhasimende ababekwa Vele lwemali kazwelonke evele eqala sokuqeda izinkontileka zabo ezifakwa ekuseni. Othile wakwazi ngokushesha ibuyisele le mali. Futhi othile wazinika inani eligcwele kanye namuhla. Phakathi naleso sikhathi, yonke imali emabhange ubophekile ukuba ubuyisele "Delta Bank". Izibuyekezo imali okwenziwa ekuqaleni, ngokuyinhloko omuhle. Futhi lokhu ixhunyiwe hhayi kuphela yokuncintisana senzalo, kodwa ngokubambisana neNhlangano Bank Isiqinisekiso Isikhwama idiphozithi yanoma abantu zemvelo. Lokhu kusho ukuthi imali depositor ngamunye kufanele zibuyiselwe phakathi eziyinkulungwane 150 UAH.

Nokuthathelwa ku "Delta Bank"

Mortgage abolekise isikhungo sezezimali banika ekuqaleni womsebenzi walo. Okuqukethwe Ezezindlu abasebenzi ekhethiwe kuphela ongabona likhokhele. Public lo mkhiqizo zezimali baba kuphela ngo-2013. Enough qotho izimo ahlinzekwa "Delta Bank". Nokuthathelwa kwadingeka Izibuyekezo omuhle kuphela. Abantu ne umsebenzi ohlelekile futhi engenayo ezinzile Ungathenga efulethini loan ngo-9% ngonyaka. Umkhawulo loan term - iminyaka engu-15. Phakathi nalesi sikhathi, kwakunokwenzeka ukuba ukhokhe ngokuphelele izikweletu.

Futhi izimali zakwamanye amazwe abatshelekayo ahlinzekwa ukuba amphuzise inkontileka, "Delta Bank". Izibuyekezo Customer babé kakhulu kubi uma izwe lamfica tetemnotfo. lwemali lokushintshisana ngemali kwamazwe ngamazwe ngokumelene hryvnia wasukuma, ukhokhe inkokhelo encane nezezindlu ayikwazanga konke. Abantu abenza ngesikhathi esifanele ukuvusela ebhange futhi ngayichazela isimo sami, wayakumhlangabeza: ngemigomo yekhredithi ziye lula.

car Loans

Thenga imoto loan usebenzisa "Delta Bank" kungaba kudala njengoba 2006. Kodwa ke isikhungo sezimali sinikeza yomkhiqizo wezezimali eyodwa kuphela kule ndawo. Amakhasimende ayengathenga imoto nge mileage 16% izitolimende yonyaka.

futhi waqala ngokukhipha ukubolekisa izimoto ezintsha "Delta Bank" kusukela ngo-2010. Izibuyekezo Customer ke Iningi omuhle. Isizathu salokhu izimo abaqotho sokubhalisa yesivumelwano. Igama elithi esiphezulu we loan iminyaka 7. Futhi inani lenzalo kuyinto encike ngqo kwi izinga imali nemoto brand iklayenti sika, okuyinto efuna ukuthenga. Kwakukhona yobudala kuphela. Ukuze isivumelwano ayengakwenza iminyaka amakhasimende kusuka 25 kuya ku-60.

Ngo-2014, izimali ezibolekiwe imoto zimisiwe. IBhange liqhubekile ukuba abambisane kuphela nalabo amaklayenti nabo izivumelwano ziphela ngaphambili.

akhawunti yamanje

"Delta Bank" waqala ukuheha amakhasimende ezinkampani kokuqala ngo-2010. impendulo kwamakhasimende ebonisa ukuthi zezomnotho ziye zafuna ukuheha abatshalizimali abaningi ezingaba ngangokunokwenzeka. Thina ungene ezivumelwaneni nazo, nezinhlangano ezahlukene futhi izisekelo. Abaningi bamukela inkokhelo ekhadini isikhungo sezezimali. Isimiso esifanayo kuhlongozwa ukukhipha izinkokhelo nezenhlalakahle 'Delta Bank ". Pension ikhadi Izibuyekezo kwadingeka ezihlukahlukene. Iningi amakhasimende basutha. Ngempela, ngaphansi imigomo yesivumelwano ukuze nebhalansi eyeqile plastic kufanele ezicela. It kuvela ukuthi amakhadi umhlalaphansi nazo uxhaso.

amakhasimende Akajabulanga kuphela ukungabi khona-ATM. Imali ekhadini ngaphandle kwenzalo kungaba kuphela ebhange.

"Delta Bank". Impendulo evela abasebenzi

PJSC "Delta Bank" ochwepheshe abaningi abasha - ithuba elikhulu ukuqala umsebenzi. Abaphathi abaphezulu lenhlangano yezezimali ubelokhu babenamathela Inqubomgomo loMkhonto weSizwe abaqotho. Iba oyisazi sezomnotho ebhange ayengakwenza ngisho bafundi abenza unyaka wokugcina emanyuvesi nge ukuchema kuzo ezikhethekile. Ukuze isebenze isiphathimandla loan, awuzange ube nokuba ngithole imfundo emkhakheni kwezomnotho. Into esemqoka ukuthi le ndoda yayimane abaqeqeshiwe kalula futhi nobudlelwano.

Abasebenzi isikhungo sezezimali wayehlale ekhuluma kahle ngaye. Isikhathi esijwayelekile pay, abasebenzi friendly futhi unomphela amaqembu ezinkampani - okufanele usazoba umsebenzi ephelele?

ekuphathweni zesikhashana

Ngeshwa, ibhange ayikwazanga ukusinda lenkinga 2014. Ukuphatha wonke amabutho ezama ukudonsa isikhungo sezezimali ezingeni evamile. Kodwa izinga lokwehla kwamandla emali omkhulu wayenze umsebenzi walo. Kakade ekuphathweni zesikhashana kuleli "Delta Bank" olwaqala ngo-March 2015. abanikeli lezivakashi abonisa ukuthi imali yabo emuva ngesikhathi kunezinkinga, futhi uma kuphumelela, ngeke kube lula kangaka. Kumele bame emigqeni isikhathi eside ukuze uthole aphoyintimenti siqu ubuholi. Zezomnotho ukududuza ukuthi imali zonke izimali 'izobuyiselwa. Badinga kuphela isikhathi.