Kuziphi izimo amabhange aseJakutsk akhonza amakhasimende?

I-Yakutia yi-republic enkulu kunazo zonke ngaphakathi kwe-Russian Federation. Kodwa-ke, ngenxa yendawo eqhelile kanye nesibalo samandla esincane (abantu abangaphansi kwesigidi esingu-1), inani lezinhlangano zezimali kule ndawo lilinganiselwe. Ngakho-ke, kunethuba elincane lokuthola izindlela zezimali ngezidingo zomuntu siqu. Ake sicabangele ngokuningiliziwe ukuthi yiziphi izidingo zesevisi ze-Yakutsk ezinikezayo.

Isilinganiso

Esikhathini esilinganiselwe ngezansi, amabhange aseJakutsk awela ezintweni ezimbili: ukuba khona kwamahhovisi amele e-republic, ubukhulu bempahla. Uhlu luhlanganisa nezikhungo ezinkulu zeRussian Federation. Amabhange athembekile kunazo zonke aseYakutia ngo-2016 yilezi:

• Sberbank;
• "Gazprombank";
• "VTB24";
• Rosselkhozbank;
• I-Alfa-Bank.

Kuphelele, kunabameleli abangu-52 bezikhungo zezezimali zezwe kanye nesifunda esifundeni. Noma kunjalo, ungafaka isicelo sokuboleka imali ngokushesha nganoma iyiphi inhloso kumabhange ambalwa kuphela.

Imali emabhange aseJakutsk

"I-Renaissance Credit" ihlinzeka ngesikweletu ngemali engama-rubles angu-30-500 ayizinkulungwane. Ngaphandle kokubambisana. Ukuze usayine inkontileka udinga ipasipoti kanye nedokhumenti eyodwa. Izindleko ezikhulile ezineminyaka engama-5 zitholakala izakhamuzi zaseRussia ezineminyaka engu-24 kuya ku-70 ezasebenza endaweni yokugcina okungenani izinyanga ezingu-3.

"I-Ural Bank" inika izikweletu kubantu baseRussia abafinyelele eminyakeni engu-21 emizuzwini engu-15. Isamba semalimboleko esiphezulu singama-ruble ayizinkulungwane ezingu-200. Inkokhelo yesevisi ingu-15%. Imalimboleko kumele ibuyiselwe eminyakeni emibili.

"I-Orient Express Bank" (Yakutsk) idinga iphakheji eligcwele lamaphepha (ipasipoti, isitifiketi somsebenzi) kusuka kumakhasimende. Imali ngenani eliphakeme le-ruble eyizigidi ezingu-1. Zitholakale izakhamizi zaseRussia ezineminyaka engu-21 nangaphansi. Isikweletu sinikezwa ngesilinganiso esingu-15% ngonyaka. Ukubuyisela isikweletu kungaba iminyaka engu-5.

Amabhange aseJakutsk azoqhudelana ne "Post Bank"

"Iposi laseRussia" ne "VTB24" liqala "i-Mail Bank", ezosebenza kumahhovisi okuxhumana. Isikhungo sidalwe ngesisekelo se "Summer Bank", ikhanda lakhe lizophatha iphuzu elisha. Imizamo yokuqala yokwakha ibhange leposi yenziwa eminyakeni engu-16 eyedlule, kodwa iphrojekthi yangempela yaqaliswa kuphela ngo-2016.

Amabhange wokuqala aseYakutsk emahhovisi eposi azoqala ukusebenza ngasekupheleni kuka-2017. Inhlangano enjalo iyoba nesithakazelo kubahlali baseYakutia, njengoba inhlangano enkulu kuphela yezimali yezwe - i-Savings Bank - ngo-2015 yaqala ukuvala amagatsha ezindaweni ezikude. Inani elikhulu labahlali baseYakutia lashiywa ngaphandle kwezinsizakalo.

Namuhla, amagatsha amabili kuphela asebhange ahlinzekwa ngabakhamuzi abayizinkulungwane ezingama-24 ezifundazweni zaseVerkhoyansk nase-Olenek. Izakhamuzi zedolobhana kufanele zihambisane nemali ezifundeni zesifunda futhi zingasebenzi imigqa yamahora e-ATM. Ukuvulwa kwe "Post Bank" kufanele kuphuculise ukungezwani komphakathi.

I-Sberbank ithumele umkhiqizo omusha

Nakuba amanye amabhange aseJakutsk agxila ekuhlinzekeni izikweletu ngendlela efanele, uSberbank wethule umkhiqizo omusha - "I-Akhawunti Ekhethiwe Yezenhlalakahle Zomphakathi." Ama-Trustees wabancane noma abantu abanomkhawulo wamandla omthetho bangathola izinkokhelo ngqo kwi-akhawunti yasebhange. Ibhalansi yemali engasetshenzisiwe iyokwenziwa ngo-3.5% ngonyaka. Ukuze uvule i-akhawunti, udinga ukuhambisa amadokhumenti okukhokha kanyekanye.