Map "Izinzuzo", "Ekhaya Credit": izimo, amabhonasi kanye nokubuyekeza

Ukuze ukuheha amakhasimende, amabhange eziningi zisebenzisa ezihlukahlukene ibhonasi izinhlelo. Bavumela hhayi kuphela imali, kodwa futhi ukuze uthole nge zonke ukuthenga amabhonasi ezengeziwe futhi amaphuzu. Futhi-ke, bakwazi sisetshenziselwe ukuthengwa imikhiqizo noma amasevisi amasha at isaphulelo. Owodwa wale mikhiqizo yiyona yasebhange uxhaso ikhadi "Izinzuzo". "Ekhaya Credit Bank" linikeza ke wonke amakhasimende abo. Hlobo luni credit card? Futhi ziyini izici zalo?

ulwazi olujwayelekile mayelana nohlelo yebhange ibhonasi

Ngokusho imithetho yesimiso ukwethembeka ebhange, lapho sithenga ezahlukene enhlanganweni iklayenti ezitolo ungathola kumaphesenti athile isinxephezelo. Njengomthetho, ke iduduzekile futhi kuncike uhlobo lomkhiqizo yasebhange. Ngokwesibonelo, uma ungumnikazi "Igolide" amakhadi isigaba noma "ejwayelekile" ( "Bargains Gold", "Cashback Ikhadi yethu", "Ikhadi Cashback Standard»), bese usebenzisa i-kubo uzothola ibhonasi ku ezahlukene 1-3% we ukuthenga lemali. Ngaphandle kwalokho, ikhadi "Izinzuzo" ( "I-Home Credit") "-Platinum ingxenye" izokunikeza isinxephezelo ku ezahlukene 1.5-5%.

Map ifana "ezinhle"?

Ikhadi exhunywe ohlelweni "inzuzo", njengoba umthetho, has a ohambelana design evumelanisiwe. Ngokwesibonelo, ezinye zazo ungabona uhlobo uphondo, uphondo noma icilongo nge izibambo nenhle, elicwengiweyo amaphethini ahlukahlukene futhi yayihlotshiswe ngamatshe ayigugu. Nakuba ezinye amakhadi abe mhlophe, nabanye - kungemuva elimnyama.

Ubani ongafaka iqhaza kuhlelo?

Can iqhaza anisoze wonke umuntu ohlelweni. Ngokusho izimo asebhange, ukuxhuma kuyo kuphela namakhasimende ekhona can nezaphulelo "Ekhaya Loan". Kulesi design iphakethe iziphakamiso ezinjalo kungadla ngokulandelana ruble ngonyaka 990 5000 (kuye ngohlobo amabalazwe evulekile).

Ngokusho abamele isikhungo credit, kuleli nani lihlanganisa yesondlo amakhadi hhayi kuphela eyisisekelo, kodwa accrual, ukubala kanye ukwesulwa amaphuzu wathola yikhasimende phakathi nesimiso. Konke lokhu kunikeza wena ibalazwe "okuhle" ( "I-Home Credit").

Ezicashile yokubhalisa, iqhaza kuhlelo

Okokuqala ukuxhuma uhlelo kungenzeka kuphela ekupheleni kwesivumelwano sokuthenga, ezifana design yokuboleka le mali umthengi noma ikhadi lesikweletu. Futhi, iklayenti yasebhange, abenza ezinye izinhlelo isikhungo sezezimali abangaba ufisa ukuhambisa isicelo iqhaza kuhlelo ukwethembeka.

Ukuze njalo yasebhange obslzhivanie ohlelweni ngonyaka iqoqa imali (ngokuhambisana yamanani samanje amakhadi izingxenye ezahlukene). Ngesikhathi esifanayo, uma ekupheleni kwalesi sikhathi, iklayenti akusho ufisa ukuphuma kulolu hlelo, inkokhelo elandelayo izinyanga 12 lizokhokhiswa ngokuzenzakalelayo. Ngaphezu kwalokho, amakhasimende ngamunye has zonke ilungelo lokunganikezeli ngesevisi, kodwa zingakapheli izinsuku eziyi-14 kusukela ngosuku isevisi ukusebenza. Nakhu uhlelo "Zuza" futhi izenzo. "Ekhaya Credit" iyanqamula kusukela iqhaza ohlelweni mahhala. Kodwa futhi ngeke ukujoyina kungenzeki kakade.

Yini amakhadi kungenziwa ikhishwe ngaphansi kohlelo?

Okwamanje, ngaphansi izinhlelo ekhona ukwethembeka kungenziwa ikhishwe amakhadi elandelayo:

• "Bargains Igolide»;
• "Bargains Platinum».

Ngokwesibonelo, uma ukunakwa kwakho yasinamathela "igolide" credit card "Izinzuzo" ( "I-Home Credit" nalo inikeza ukukhokhela izimpahla kanye namasevisi e-34,9% ngonyaka), khona-ke uyoba ezikhanyisayo wesikweletu ruble afinyelela ku-300 000, kanti isikhathi somusa - 51 usuku. Ibalazwe "Platinum" Ungase futhi ukukhokha izikweletu zabo ngaphakathi 29,9% ngonyaka. Endabeni cash Ukuzihoxisa for the "Igolide" futhi "Platinum" ikhadi has a olulodwa senzalo - 49,9% Apr.

Kungakanani ibhonasi ungakwazi ukuthola?

Ngokuhambisana nemithetho yohlelo wamabhange, okwenza nanyana ngimaphi amakarada a ukuthenga "inzuzo" (ngaphakathi ezweni nasemazweni aphesheya), ungakwazi ukuthola ubuncane 1% leyo echithwa eyodwa. Futhi kulo lonke ngenyanga iklayenti bavunyelwe ukuba babuthe ezingeqi kwezingu-2000 amaphuzu. Zonke amabhonasi wathola ngaphezulu komkhawulo kukhanselwa ngokwakhona. Esikhathini esizayo, inani eliphezulu ibhonasi luyanda 7500.

Ngoba noma yisiphi ukuthenga ungaphinda uthole amaphuzu?

Uhlelo lokuthembeka enesihloko esithi "Benefits" ( "I-Home Credit" unikeza kungenzeka ukuba ixhume wonke comers) linikeze izikweletu futhi bachitha izimali siqu iklayenti amakhadi ukukhokhela izimpahla kanye nezinsizakalo.

Ake sithi ukusebenzisa Gold Card, unikeze isibonelo sokuthi izindleko esekelwe amabhonasi wathola. Ngakho, kungenzeka ukuchitha ruble mayelana 7500 for ezihlukahlukene izinkambo nokuvakasha, ruble 4,000 ukukhokhela gas esiteshini futhi car wash, ruble 5,000 kuyokulahlekisela kuyiwe zokudla nezindawo zokudla, 15 000 izobiza yezitolo ezitolo inthanethi, cishe 18 500 ruble ukuthatha ukudla ezinye izinto ukusetshenziswa nsuku zonke. Ngenxa yalokho izindleko yenyanga efana ukuphatha ukuze uthole 5.180 ibhonasi, futhi ngonyaka - 62 160. Kulokhu, wazi ukuthi 1 iphuzu ilingana 1 ruble.

Kodwa lapho imali efanayo izindleko, kodwa uma usebenzisa ezinye ikhadi "Izinzuzo" ( "I-Home Credit Bank" kwandisa iphesenti isinxephezelo abanama we-premium plastic) wenyanga amabhonasi lemali 5603 futhi onyakeni - 67 236 amaphuzu.

Njengoba ubona, inani isinxephezelo akuxhomekile nje kuphela esimweni inani ukuthenga, kodwa futhi phezu uhlobo lomkhiqizo imalimboleko oyikhethile.

Yini engingayenza uthola okunikezwayo okwengeziwe?

Ngaphezu amabhonasi ngokusemthethweni setha ukuthi ungathola ikhomishana yanoma yini oyithenge ezitolo virtual futhi umile, kuhlanganise iqhaza angaphandle kanye ezifuywayo zohlelo "Izinzuzo" ( "I-Home Credit Bank" usethule le sevisi entwasahlobo ka 2013) ungathola amaphuzu ezengeziwe. Kwenze bangakwazi, kuphela Esenze kuthenga kusukela abalingani lesikhungo credit. Njengomthetho, ezinye zazo ahlelwe ngaphansi kwekhasi ohlelweni olusemthethweni iwebhusayithi homecredit.ru.

Ukuze kube lula angeziwe, ihlelwa kule mikhakha elandelayo:

• Ikhaya Imishini kanye electronics.
• imikhiqizo Wezingane.
• Ezokungcebeleka Ezokuzijabulisa.
• Okunye.
• Izimpahla.
• Izincwadi.
• Ifenisha.
• Nezingubo, izicathulo kanye izesekeli.
• Iziqholo namakha kosetika.
• Izipho nokuzilibazisa.
• Ukudla.
• Ezemidlalo kanye nezokuvakasha.

Prietom noma isigaba ukhetha, noma kunjalo, nibe nilindele amaphuzu ezengeziwe. "Izinzuzo" ( "I-Home Credit") - i-credit card elikuvumela isinxephezeliso ingxenye izimali esichithwa ukuthengwa. Ngokwesibonelo, i-ukuthengwa kwezimpahla izingane elilodwa liqinile, uthola plus 7% ibhonasi, enye inkampani kuyokulethela 5%, kanti eyesithathu - 10%.

Ngaphezu kwalokho, amabhange ngokwabo abalingani ngokuvamile ukuqhuba ukwabelana ezengeziwe ukuze uvumele, ngaphezu amaphuzu engeziwe avela "Ekhaya Credit" bese ngithola esinye esitolo isaphulelo 10-20%.

Ibalazwe "Izinzuzo" ( "I-Home Credit"): Imibandela

Hlola ibalazwe, "Izinzuzo" bayizakhamuzi Russian abaneminyaka ephakathi kwengu-21 no-64. Kufanele ukusebenza, kube nombhalo ogciniwe esifundeni, kokuvula credit cards. Okuhlangenwe nakho kwabo endaweni lokugcina emsebenzini akufanele kube ngaphansi kuka-izinyanga ezintathu. Futhi kulindeleke ukuba khona amafoni fixed kanye mobile.

Faka isicelo sokubhalisa ikhadi "okuhle" ( "I-Home Credit" emnika zonke imizuzu 10-15) kunoma iyiphi legatsha lesikhungo credit. Futhi, wonke umuntu angakwazi ukusizakala ukubhaliswa ku-intanethi. Nokho, kulesi simo, kusadingeka ukuba ngivakashele ihhovisi hlandla nye of imininingwane ocingweni. Kwemibhalo sokubhalisa ikhadi, uzodinga kuphela passport.

Lokho ebalulwe isicelo sokubhaliswa kohlelo?

Uma uthumela isicelo inthanethi yekhadi "izinzuzo" kuzomele ucacise amaphuzu alandelayo kulo

• Igama eliphelele;
• Inombolo kanye nonyaka lokuzalwa;
• phansi;
• ikheli le-imeyili;
• inombolo yeselula;
• chungechunge nenombolo ipasipoti;
• akhawunti e-yokuxhumana (uma ikhona).

Okulandelayo ngeke kuphela ukwamukela i-information processing imithetho futhi ukuba bagcwalise ifomu lesicelo.

NeKwakha kalula ukuqaliswa imisebenzi Uhlelo

Ukuze kube lula kuwe, njengoba kwakuthenjisiwe "Ekhaya Credit Bank" amabhonasi kumephu "inzuzo" ingaqashelwa futhi elawulwa usebenzisa i-akhawunti yomuntu. Kuze kube yimanje, kodwa-ke, kufanele uqale uxhume intanethi sevisi, bese zidlule inqubo yokubhalisa elula. Ukuya ku-akhawunti yakho, ungakwazi wenze izenzo ezilandelayo:

• ukulawula ulwazi oluhlobene izimali zikhokhwa futhi ithunyelwe ku-akhawunti;
• enze imali Ukudluliselwa;
• ukhokhe amakhadi, ukuthenga izinto ezitolo inthanethi;
• ukukhokha izikweletu ku loan;
• ukuqapha ukwethulwa ngesikhathi esifanele saziso inkokhelo nyanga loan.

Amathiphu Uhlelo abahlanganyeli

Phakathi omningi ulwazi ezibalulekile eziphathelene uhlelo "Zuza", siye sabona amaphuzu abalulekile futhi ezithakazelisayo eziningana. Okokuqala, ukuze uthole izimpendulo zemibuzo kunokwenzeka eziphathelene ucinge igatsha eliseduze ukuxhuma kwi hlelo asebhange, ungabiza hotline 8 (800) 700-10-29. Okwesibili, kubalulekile ukuba bashintshisane amaphuzu zanqwabelana phakathi nonyaka. Uma kungenjalo, ngeke ezaqhubekela inkathi ezayo, futhi umane kukhanselwe.

Okwesithathu, phakathi kwesikhathi somusa futhi ukungabi khona izikweletu ku loan ungenawo akhokhe inzalo. Uma isikhathi eside isidlulile grace period, futhi ungenayo isikhathi sokukhokha imali ebolekiwe, ibhange sikukhokhise inzalo ezidingekayo, futhi lonke inkonzo esiteji-DRM. Futhi, ekugcineni, ngekubamba lichaza hlelo ukwethembeka, iklayenti unelungelo eligcwele ukusebenzisa esingenamkhawulo ukuthi ibhange imali.

Lapho ungachitha imali amabhonasi wathola?

Chitha amaphuzu zanqwabelana kungenzeka ukuthi usebenzisa i-akhawunti yomuntu yasebhange inthanethi. Ukuze wenze lokhu, mane nje faka igama elifanele kanye nephasiwedi, faka, ukhethe ithebhu "Izinzuzo" ninake uhlu izimpahla namasevisi engasetshenziswa. Kulokhu, uzokwazi ukuba ingxenye noma ngokugcwele sikhokhele yokukhokha ukuthenga. Kulokhu, zonke kuzoncika inani lamaphuzu izinombolo. Ngemuva kokusebenzisa amabhonasi kuyinto yokukhansela yabo.

Yini impendulo ungezwa mayelana nohlelo?

Njengoba ayethembisile "Ekhaya Credit", "inzuzo" (izibuyekezo mayelana lolu hlelo ingatholakala ngezansi) - iyisevisi ekhethekile ukwethembeka, ukuhlinzeka imbuyiselo kanye ugqozi ukuthenga okusha. Kodwa lokho ekushoyo mayelana onjalo abasebenzisi Uhlelo ezikhangayo?

Ngokwesibonelo, abanye abahlanganyeli uhlelo baye bazwakalisa ngokumthanda kwabo. Ngokusho kwabo, ukukhokha ikhadi ne "ezinhle" Kuyinto elula kakhulu, ngoba imali kulotshiwe off ngokushesha futhi ngezinga elifanayo uyasho amaphuzu. Abanye, kunalokho, baxoxa ngokuhlangenwe nakho kwabo okungekuhle. Ngokusho kwabo kuba sobala ukuthi lapho uzama ukukhokhela izimpahla zanqwabelana ibhonasi amaphuzu kwelinye amanethiwekhi umlingani Pharmacy banokungaqondisisi ne nabathengisi. Lokhu kungenxa yokuthi iningi labo kungukuthi ukwaziswa kahle ngomsebenzi nge izikolo akazi ukuthi kutsi abhale liBhayibheli.

Abanye bathi i-ukuqapha ngokuphazamisa amabhonasi nge yasebhange ye-intanethi. Ngokusho kwabo, ngesikhathi esifanayo ungakwazi ukubuka kuphela eminyakeni emihlanu kusengaphambili futhi udumo amaphuzu ehambisana. Ngenxa yalokho, kwadingeka ngesandla ukucinga futhi udlulise yonke idatha yokulawula kangcono ngendlela ehlukile-Excel ifayela.

Okwesine udumo benhlanhla hotline, lapho bakwazi ukuxazulula izingxabano kanye ukubhaliswa amabhonasi.

Kafushane, ikhadi "izinzuzo" - ithuluzi jikelele. It ikuvumela ukuba uyothenga at ezitolo okuthandayo bese uthole ezinye amabhonasi extra kanye izaphulelo. Futhi ahlenge amaphuzu futhi sisetshenziselwe ukukhokhela izimpahla kanye nezinsizakalo. Uhlelo akuyona entsha, kodwa namanje efanele futhi ziphoqa phakathi amaklayenti amabhange '.