Ikhadi lokukhokha elikhethiwe "Halva": ukubuyekezwa, izimo, ama-pluses namaphoyinti

I-Sovcombank yakha umkhiqizo omusha wesikolodo ovumela ukuthenga izimpahla nezinsiza ezihlukahlukene esikweletini. Lena ikhadi le-installment "Halva". Izibuyekezo ziqinisekisa ukuthi kunezinzuzo eziningi kubanikazi bayo. Lolu hlelo lukuvumela ukuba wenze lula ukuthola izitolimende zezimpahla. Imithetho yokuklama nokusetshenziswa kwayo izochazwa kulesi sihloko.

Mayelana neBhange

I-Sovcombank iyisikhungo esikhulu sezezimali seRussia, esingama-19 esilinganisweni sezwe ngokwempahla. Inhlangano idonsela imali kumakhasimende amasha futhi idala imikhiqizo ehlukene. Amaklayenti manje anikezwa ngezinsizakalo eziningi ezahlukene: idiphozi, izikweletu, ukubhaliswa kwamakhadi. Kuhlelo ngalunye, izimo ezinhle zisebenza.

I-Sovcombank yiyesibili eRussia ukukhipha amakhadi wokufaka. Ukuthembeka kuboniswa ngokubamba iqhaza ohlelweni lomshuwalense wediphozi. Ungakwazi ukugcina ngokuphepha imali yakho naye. Ezinye izinzuzo nazo zinikezwa.

Kodwa kungenzeka yini ukuzuza ekugcineni kwezimali? Wonke umuntu ukhetha okukhethwa kukho: umuntu ubeka imali kwidiphozi, enye-ivula i-akhawunti yensimbi, kanti abanye-badlala emakethe yokushintshaniswa kwamanye amazwe. I-Sovcombank inganikeza futhi izimali zayo okwesikhashana. Ngakho-ke, ikhadi le-installment "Halva" lakhiwa.

Umqondo wekhadi

Ngokubukeka, uhlelo lwesitoreji "Halva" oluvela eSovcombank liyibhange elivamile ne-chip, kodwa izici zihlukile. Kukhona umkhawulo wesikweletu kuwo, okhethwe ngabanye kuklayenti ngalinye. Ubukhulu bayo bunqunywa ngesisekelo sokuhlaziywa kwe-solvency yomboleki. Ukuze ubhalise udinga isitifiketi seholo.

Awukwazi ukukhipha imali. I-akhawunti yekhadi igcwaliswa, njengoba kunjalo nesikweletu esikhokhelwa. Ikhadi isebenza ezitolo zomlingani futhi kuphela ngesitolimende samahhala esibhalisiwe. Abaningi banesithakazelo kulokho okukhohlisayo ekhadini lokufaka isitifiketi "Halva"? Eqinisweni, iSovcombank ibambisana nezinkampani ezithembekile, lapho amakhasimende angathenga khona izimpahla. Ozakwethu bakhokhela ikhomishana ebhange, futhi uthola amakhasimende amasha. Futhi abasebenzisi bangathengisa izimpahla ngamagama afanele. Ukubambisana okunjalo kuzuzisa bonke.

Izinsiza

Thenga izimpahla namasevisi kuphela kubalingani beSovcombank. Imephu inesayithi layo, lapho ungathola khona ulwazi mayelana nezinhlangano ezinjalo, kanye nemigomo yezitolimende kuwo wonke umuntu. Umkhawulo ungasetshenziswa kuphela ekusebenzeni okwenziwa ngabalingani, kwezinye izitolo awukwazi ukukhokha.

Leli khadi lisetshenziselwa kokubili izitolo ezivamile neziku-intanethi. Lokhu ukukhokha okujwayelekile kwezimpahla noma amasevisi. Asikho isidingo sokudlula noma yiziphi izinyathelo ezengeziwe. Kwanele ukukhetha izimpahla, ukhokhele. Umlingani ngamunye unemigomo yawo yezitolimende - kusuka ezinyangeni ezingu-1 kuya kwezi-12. Ngokuvamile isikhathi sezinyanga ezi-3 sisethiwe.

Ngemuva kokuthenga, ulwazi luvela ngokuthenga okwenziwe ngesikweletu. Ibonisa isimiso seminikelo kanye nenani lokukhokha nyangazonke. Ungenza ukuthenga okuningi, futhi umsebenzi ngamunye uzokwabiwa ngokwahlukana.

Imithetho yokwakha

Uhlelo lwe-installment "Halva" oluvela ku- "Sovcombank" luhlinzekwa kubo bonke izakhamuzi ezihlangabezana nezidingo eziningana:

• Ubudala - iminyaka engu-20-75;
• Ukubhaliswa nokuhlala edolobheni lebhange noma kude no-70 km ukusuka kuyo ezinyangeni ezine;
• Ukuqashwa ngaphezu kwezinyanga ezingu-4;
• Ubukhona befoni - eselula noma ehleliwe.

Indlela yokufaka ikhadi lekhalenda elithi "Halva"? Ukwamukela, kufanele usebenzise eSovcombank ngesitatimende. Kodwa ungafaka isicelo ku-intanethi.

Ukuxhumana newebhusayithi

Ukubuyekezwa ekhadini lesitolimende "Halva" kubonisa ukuthi kulula kakhulu ukusebenzisa ku-intanethi, ngoba kuyashesha kakhulu. Kufanele ihloniphe ulwazi lomuntu siqu, indawo yokuhlala kanye nolwazi lokuxhumana. Isisebenzi sebhange sizokhuluma ngemigomo yokusetshenziswa. Kukhona isheke sokuthobela, isaziso sohlu lwamadokhumenti. Kodwa ukugcwalisa lemibuzo udinga ukuvakashela ihhovisi.

Ngemva kokudlula le nqubo, ikhadi le-installment "Halva" lizokhishwa. Impendulo iqinisekisa ijubane lokubhalisa. Ngokujwayelekile, umlando wokuboleka kanye nokuhlolwa kweholo lomthengi kuhlolwa. Kudingeka kuphela ukukhombisa ulwazi oluyisisekelo ngokuqhathanisa namanye amabhange.

Isinqumo sokunikeza ikhadi samukelwa ngosuku lokuqala lokusebenza. Iklayenti ithola isaziso sokuvunywa noma ukwenqatshwa. Ngokuvamile isaziso sithola nge-SMS noma ngocingo. Ngemuva kokuthola ukusebenza kwekhadi akudingeki.

Amadokhumenti

Uhlelo lwe-installment "Halva" eMoscow nakwamanye amadolobha lunikezwa ngaphansi kwepasipoti. Ngezinye izikhathi kuyadingeka ukuqinisekisa isixazululo. I-Sovcombank icela imibhalo elandelayo:

• Ilayisense yomshayeli, isitifiketi sempesheni, i-SNILS;
• Inkomba 2-NDFL;
• Iphepha ephepheni.

Izimo

Kukhona izinzuzo nezindleko zekhadi lesitolimende "Halva". Kufanele zicatshangelwe ngaphambi kokudweba uhlelo lwebhange. Imibandela yesitolimende sekhadi le "Halva" limi kanje:

1. I-MasterCard World ne-Technology PayPass.
2. Imali kazwelonke.
3. Linganiselwa kuma-ruble ayizinkulungwane ezingu-350.
4. Ikhadi isebenza iminyaka emi-5.
5. I-Cash Bask - 1,5%.

Izinga li-0%, futhi ngemva kokuphela kwesikhathi somusa lilingana no-10%. Imigomo yokukhokha ngezitolimende ekhadini elithi "Halva" liyisilinganiso kubo bonke - izinyanga ezingu-12. Uma kwenzeka ukubambezeleka, inhlawulo ye-0.1% ngosuku isebenza. Ukukhokha kokuqala kwenziwa ngaphandle kwama-commissions.

Kulezi zimayini, kunenani elinganiselwe labalingani. Ukuze uthole ikhadi, kubalulekile ukuhambisana nezidingo zebhange. Ibhange lingakwazi ukubeka umkhawulo wesikweletu ngokuzimela.

Inani lomkhawulo livunyiwe ngesicelo sekhasimende, okukhonjisiwe kulesi sicelo, kanye nokuhlolwa kwezici zalo. Imali mboleko ingabuyekezwa. Ngemuva kokukhokha izitolimende, umsebenzisi angathola imali efanayo. Nakuba kunezinzuzo nezindleko ekhadini lesitolimende "Halva", nokho linamathuba amaningi.

Ukuziphendulela

Unganqaba imephu "Halva". Ngalokhu udinga ukufaka isicelo ehhovisi lasebhange nesicelo. Khona-ke udinga ukunikeza ikhadi kumsebenzi owenza ukubhujiswa. Ngemuva kwezinsuku ezingu-45 i-akhawunti ivaliwe.

Abalingani bethu

Uma uthengwa kusuka kubalingani ezinkampanini, izindleko zokukhiqiza zihlukaniswe nenani lezinyanga ezichazwe ukukhokha isikweletu. Le nkomba iyinkokhelo encane. Uma kunezinhlawulo kanye nezinhlawulo, zifakiwe ekukhokhweni okugunyaziwe.

Abalingani bahlanganisa:

1. "I-M-video."
2. Samsung.
3. Lamoda.
4. I-Iceberg.
5. Re: Isitolo.
6. I-Sony Centre.
7. Sela.

Khipha

Ngokusho kwezibuyekezo kuhlelo lokufaka isitifiketi "Halva" kusobala ukuthi abanikazi bayo bathola ukukhishwa njalo ngenyanga , okuvumela ukulawula ukubuyiselwa kwesikolodo. Kufanele kube:

• Ukwaziswa okujwayelekile - inombolo yekhadi, usuku lokuqinisekisa, umkhawulo, isikweletu, ukubambezeleka;
• Ulwazi mayelana nesilinganiso esincane - inani, usuku lokugcina lokukhokha;
• Ukunquma - amagama ezitolo zokuthengisa, inani lemali ekhokhwayo nezinyanga ezisele zezitolimende, sonke isikweletu.

Isitatimende sikuvumela ukuthi ulandele izinkokhelo, ukhokhe ngesikhathi esifanele. Uma kunemibuzo, kungenzeka ukuthi ucele ukuthengiselana. Ukusebenza okunjalo kubiza ama-ruble angu-300, nophenyo nokucutshungulwa kwezicelo - 1000.

Amakhomishana

Amanani alandelayo asebenza ekhadini:

• Ayikho inkokhelo yokudiliva;
• Isevisi yamahhala;
• Ukuqala kabusha - ama-ruble angu-450;
• Ukuhlola ibhalansi ku-ATM yaseSovcombank - mahhala, futhi kwabanye - ama-ruble ayishumi;
• Ukugcwaliswa kabusha nge-ATM - akukho ikhomishana, ngokusebenzisa i-cashier - ama-ruble ayi-100;
• Ungahoxisa imali ngaphakathi kwezimali zakho;
• Dlulisela kwamanye amakhadi ebhokisini lebhokisi noma ku-intanethi - ngaphandle kwekhomishini, nakwenye inhlangano - 2.9%;
• I-SMS yamahhala-ukwazisa.

Ungakwazi ukulawula isikweletu bese uphatha i-akhawunti usebenzisa ikhabhinethi yakho kanye nesicelo seselula. Lezi zinsizakalo zikhululekile. Ukungena ngemvume kukhonjiswe kwinkontileka, futhi iphasiwedi inikezwa nge-SMS ngemuva kokuthi ikhadi linikezwe.

Ukukhokhwa kwezikweletu

Ngokusho kokubuyekezwa ekhadini le-installment "Halva" kucacile ukuthi abantu abaningi basebenzisa lo mkhiqizo wesikolodo. Ungenza izimali ngezindlela eziningana:

• Ngebhange le-Inthanethi;
• Kusuka kwelinye ikhadi;
• Ngezikhungo zezezimali;
• Nge-Post of Russia.

Kuphela okukhethwa kukho kuyinkululeko. Uma usebenzisa izinsizakalo zabaxhumanisi noma izinsiza ezingekho zeSovcombank, kuzodingeka ukhokhe ikhomishini.

Ikhadi elithi "Halva" liyadingeka ukukhokha ukuthenga kuhlelo lokufaka isitifiketi, olungenayo isithakazelo. Ngenxa yalesi sizathu izimo zomuntu ngamunye zivunyelwe: mboleko kanye nesikhathi somusa. Uhlu lwabambisene nabo basebhange landa. Manje kunezikhungo ezingaphezu kuka-1000 zezinsizakalo, izindawo zokudla, izitolo, lapho amakhadi anjalo avunyelwa ukukhokha. Ukuze ugweme ukukhokha ngokweqile, udinga ukutadisha izimo neziphakamiso zabalingani, qhathanisa amanani, futhi wenze imali esifike ngesikhathi.

Ukuhoxiswa kwemali

Kusukela ekhadini ungakwazi kuphela ukuhoxisa izimali zakho. Lokhu kwenziwa ngaphandle kwekhomishini kumadivayisi akhethekile. Ukuze uthole imali, udinga ukuhamba ngezinyathelo ezilandelayo:

• Faka ikhadi kumamukeli;
• Faka ikhodi yephini;
• Chofoza kusigaba "Ukuhoxiswa kwezimali";
• Faka inani;
• Thatha ikhadi, imali nesheke.

Ezinye izikweletu

I-Sovcombank inikeze izitifiketi kuphela kumakhadi, kodwa futhi izikweletu:

1. Isikweletu semali - kusuka ku-12%. Amakhasimende kudingeka abe nobufakazi bokuthola imali. Izimpesheni zidinga kuphela ukunikeza ipasipoti nesitifikedi sesempesheni. Inani lingakwazi ukufinyelela ama-ruble ayizinkulungwane eziyikhulu. Ikhishwa izinyanga ezingu-12.
2. Imalimboleko evikeleke ngokuzenzakalela-kusuka ku-17%. Imali ikhishwa ngezinhloso ezehlukene. Isamba sabo singama-50 000 - ama-ruble ayizigidi ezingu-1. Leli gama lingaba izinyanga ezingu-12-60.
3. Imali mboleko "Ukuze kube nomthwalo wemfanelo" - kusuka ku-19.9%. Ikhishwa kumabhangqwana namakhasimende asebhange abanikeze isitifiketi seholo, ikhophi yerekhodi lomsebenzi noma idiploma yemfundo. Inani lingaba phakathi kwezinkulungwane ezingu-40-200 ze-ruble. Isikhathi siyizinyanga ezingu-12-36.
4. "Pension plus" - kusuka 19.9%. Ihlinzekwa kwabasebenzi abahola impesheni nabangasebenzi-kuze kube iminyaka engu-85. Akudingekile ukunikeza izikhombo kanye nezixhumanisi. Inani lalingama-ruble angu-40-299 ayizinkulungwane.
5. "Standard Plus" - 24%. Imali mboleko ikhishwe ngezinhloso ezahlukene. Ubufakazi bemali engenayo abudingeki. Inani lalingama-ruble angu-40-300 ayizinkulungwane.

Izinketho ezifanayo

Izimo ezifanayo zihlinzekwa ngekhadi lesitolimende "Unembeza" kusuka kuQIWI-Bank. Zombili imikhiqizo inokufana - ukusetshenziswa kwezimali ngaphandle kwenzalo yokukhokha ezitolo zomlingani. Kodwa kukhona umehluko:

• Imali ehlukene;
• Umehluko enombolweni nasezinhlobonhlobo zabalingani.

Ikhadi le-Halva lingasetshenziswa ukukhokha izikweletu. Lo mkhiqizo webhange uzosiza nganoma isiphi isikhathi, uma udinga okuthile okuphuthumayo ukuthenga, ngoba ungakhokha kamuva.