Savings eCzech Republic. Uphiko Bank Sberbank. Sberbank CZ

Sberbank ingenye izikhungo zezimali kunazo owaziwa. Nokho, ukumelwa yayo nje kuphela ngaphakathi Russian Federation namazwe wangaphambili CIS. Ziyakwazi ovulekile futhi eYurophu. Ngokwesibonelo, kukhona Savings Bank eCzech Republic. Olunye ulwazi mayelana umfanekiso isikhungo sezezimali, futhi sizoqhubeka.

Umsebenzi kanye nemisebenzi ye-Savings Bank eCzech Republic

Kwabe sekuvela ukuthi, eCzech Republic of the Savings Bank wazile isikhathi eside. Kulapha abamele umholi wezezimali, okwase kuyisikhathi eside kwaziwa emakethe yasekhaya services yasebhange okokuqala yazibiza ngo-1993. Ngemva kweminyaka emine e-Czech Savings Bank Ngithole ilayisensi esemthethweni, evumela ukuthi ukwenza njenge ezimele inkampani isitokwe ngokuhlanganyela.

Yingaleso sikhathi lapho amagatsha asebhange lokuqala avuleka e-Europe, kancane kancane ezihambayo kunethiwekhi legatsha elincane.

Umlando Omfushane ukumelwa

Ekugcineni, ukuze baphakamise emalungelo ato Sberbank wakwazi ngokushesha ngemuva kokuthenga amasheya encane Austrian sesikweletu ngaphansi kwegama Volksbank ngo-2012. Ngaleso sikhathi, lokhu kwaba ingxenye yenkampani ukuthengisa into ehluke kakhulu ezinethonya iqembu Österreichischen Volksbanken owaziwa.

Ngemva kwalokho kwaba khona kabusha ephelele isakhiwo se-isikhungo sezezimali, futhi kamuva ngonyaka ushintshe igama. Ngokwe-ochwepheshe abathintekayo kulo rebranding, kwanqunywa ukuba ashiye igama wendabuko liyabonakala Sbarbanka. Ngenxa yalokho, kwaba khona omele ngokuthi Sberbank CZ.

ukuvulwa Omkhulu, futhi amakhasimende kuqala

Emva kokuthenga amasheya lenhlangano ngenhla iye yenziwa umsebenzi omkhulu ukuze nokulawula okugcwele ukufomatha nokuhlela kabusha. Kunikezelwa ihhovisi inhloko yalawa Savings Bank, idluliselwe kwesinye isitaladi emaphakathi lasePrague, aphethwe Mashi 20, 2013.

Phakathi ukuvulwa amahle elikhanyayo futhi abameleli inhlangano watshela ngokucacile futhi yabonisa zonke comers amakhono netimphawu umsebenzi wabo. Wonke umuntu angaya ehhovisi futhi bheka la mazwi ayiqiniso bona. Ngaphezu kwalokho, wonke izivakashi yinto emnandi ngesimo izipesheli zezimali evumayo, izinhlelo ezikhangayo loan nokunye okuningi. Izivakashi ngenjabulo wavuma ukuhambela Savings Bank eCzech Republic.

Sberbank ukumelwa namuhla

Ngemva kwesikhashana umnyango encane ezezimali Sberbank wakhulela inethiwekhi legatsha elincane, wavula eziningi amaphuzu of ukudayiswa kanye bafaka nomshini ezikhethekile self-service. Ngakho, kuleli qophelo in the Czech Republic kuyinto amagatsha nje phezu 8 enkulu isikhungo credit, ezimbalwa yokuthengisa amaphuzu kanye ATM angu-20 futhi ezikhumulweni.

Ukungafani ngemibala

Naphezu ukufana igama imigomo ejwayelekile amahhovisi European futhi ezinye umehluko. Ikakhulukazi, zihlotshaniswa atypical for zethu zezimali nesikhungo imibala ekhona logo kanye nomklamo Amahhovisi. Ngakho, amabhange ephethwe Sberbank ekuklanyweni emagumbini azo abambalwa baye basuka ebhange evamile izimbali. Ngokwesibonelo, ku uhla nakuba zikhona imifino, kungasiko.

Ngokungafani nabo imele umbala omnyama igolide. Ngokusho ofakazi, isibonelo esiyinhloko salokhu ibhodi elikhulu phambi. kwakhiwa Sheer is in black. Futhi umbhalo kulo senziwa usebenzisa igolide lettering ekhethekile.

izinguquko umbala enjalo ephathelene ne-izimbangela ezingokoqobo. Iqiniso lokuthi ezinye ezingaphansi kwe-Savings Bank avuleka ezindaweni ngokomlando ebalulekile emzini. Ngaphezu kwalokho, ngokwemfundiso yesiko, babengakwazi bonakalise mbumbulu zezakhiwo. Ngakho-ke wanquma ukushintsha umbala ngesisekelo izakhiwo ezinemibala ezikhona.

Izici isikhala nokuklanywa

Ukuvula ama-ofisi wabo Savings Bank (in the Czech Republic yaziwa hhayi kuphela yilabo abamele abaHlakazekile isiRashiya, kodwa futhi abantu bomdabu) nabameleli bayo wayegxila isikhala ukuhlela nokuklanywa. Ngokwesibonelo, emahhovisi kakhulu kukhona ezindaweni ezilandelayo:

• ekuphumeni;
• kwamakhasimende;
• Self (nazi amadivayisi self-service ezikhumulweni);
• VIP.

Zonke izindawo ahlukaniswa ngodonga futhi ahlelwe njengoba icwecwe ngangokunokwenzeka. Ngokusho amakhasimende kakhulu, Pao Sberbank ukwakha ukhululekile namahhovisi, lapho kumnandi.

Umgoqo wolimi onqotshwa

Naphezu izimpande wakudala isiRashiya, abasebenzi Sberbank ikakhulukazi ukukhuluma Czech. Nokho, unikezwa iqiniso lokuthi eCzech Republic ukuba ezinye izizwe ekhaya, futhi kwanqunywa ukuba ukuqasha abasebenzi abakhuluma isiNgisi. Futhi isimo amagatsha asebhange kukhona abaphathi okhuluma isiRashiya. Yikuphi lula kakhulu ukubhekisela inhlangano zezivakashi noma izivakashi kusukela Russian Federation.

Uma wayefisa, izivakashi kungaba ngokushesha vakashela Savings Bank eCzech Republic. Credit lapha, bangasondela kanjani kwi ezivamile isisekelo. Uma bedinga yendawo, kalula ingatholakala. Ibhange eyenziwa ezihlukahlukene exchange ukuthengiselana, kanye isevisi isebenza ukudluliselwa ngamazwe. Futhi ukulondoloza abaseRussia, uma ngakho ufisa, ungakwazi ukuthatha ingxenye abaphathi okhuluma isiRashiya we Savings Bank.

Yini amasevisi ahlinzekwa ebhange?

Pao Savings Bank okwamanje inikeza zinsiza yasebhange lakhelwe abantu nezinhlangano ezingokomthetho. Phakathi imisebenzi yasebhange lenhlangano ubuswa amasevisi alandelayo:

• ukuqaliswa ukudluliselwa ngamazwe;
• ukuqaliswa imali ukuthengiselana (exchange, ukudayiswa kanye ukuthengwa currency angaphandle);
• izinkokhelo ze-non-ukheshi;
• ukuvulwa kanye nokugcinwa akhawunti asebhange;
• obolekisayo.

Njengoba eRussia, amagatsha asebhange eCzech Republic zisebenzisa izindlela ezihlukahlukene ukuheha amakhasimende amasha. Kuze kube yimanje, baqhuba izifundo ezihlukahlukene esitokisini, ahlele ukwethembeka izinhlelo. By endleleni, wonke amakhasimende wangaphambili Volksbank lalingabulawa kalula ushintshashintsha amakhadi abo phezu plastic ye Savings Bank. Kulokhu, kwakunokwenzeka ukugcina ikhodi ye-PIN yamanje.

Uhlelo Mortgage Bank

Isevisi ethandwa kakhulu lamahhovisi Czech Savings Bank kukhona mortgage loans. Okwamanje, izinhlangano ababoleka ezingaba bangathembela "mortgage Thembeka", okusho ukuthengwa noma eziqashisayo ingcebo. Ibhange inikeza ukubolekisa ukwakhiwa noma ukuvuselelwa endlini yakhe. Le mali ifaka senzalo ka 1,79% ngonyaka.

Uma ebuzwa Savings Bank eCzech Republic (kuleli cala, mortgage Kungenzeka ube nentshisekelo hhayi nje izakhamuzi zendawo, kodwa futhi izivakashi) kanye uhlela ukuthatha loan kwezezindlu, lapha ke wena nakanjani uyongena. Ngesikhathi abameleli efanayo ngesikhathi ibhange sipho izikweletu zezindlu izifiki ngaphansi 70% yenani eseduze komhiaba. Futhi usayizi izinga lezi amakhasimende zokhahlamba kusuka 4.99% ngonyaka. kwamakhasimende, ungayembethe yokuhlala unomphela kuleli zwe, eyenziwa ngaphandle payment for services ebhange.

Ngaphezu kwalokho, ngokuvakashela Czech Savings Bank (inzalo isikweletu setha kuncike ohlelweni akhethiwe), ungamukela loan nganoma iyiphi injongo, kodwa kuvikelwe ingcebo (okuthiwa abatshelekayo American). Ukuze izinhlelo ezifana, ngokuvamile kungenzeka ukuthola kuze 5 million imiqhele (ngaphansi kuka-70% yenani eseduze into). Inani intshisekelo kulokhu kuyoba kusuka 3.99% ngonyaka.

Ubani ongaba iklayenti ye ebhange?

Ukuze ube ikhasimende ye ebhange, kufanele afinyelele izimfuneko ezithile esikhungweni sezimali. Ngokwesibonelo, ukubala uye phambili loan ababoleka nazi ephakathi kuka 18 no 70. Uma uyisakhamuzi babezizwe, njengoba imibhalo efakazela uzodinga:

• iphasiphothi;
• iphasiphothi civil yangaphakathi;
• ifothokhophi Schengen visa;
• isitifiketi yokuqala isihloko.

Ngaphezu kwalokho, uma lo muntu obolekayo akuyona umhlali WeRiphabhulikhi YaseNingizimu Afrika, njengoba kuyodingeka guarantors ezimbili babambisane umboleki. Ngakho, ibhange ngaphezu kwalokho reinsured uma kwenzeka okuzenzakalelayo loan. Kuyaphawuleka ukuthi uma iklayenti ufisa wonke kuthengiselana kungaba kwenziwe ngesiRashiya noma ngesiNgisi uma iklayenti akazi Czech. Ngakwelinye ihlangothi, isivumelwano sesikweletu kanye namanye amaphepha emvume futhi asidingi translation and zingenziwa etholakalayo ngesiRashiya.

Ngamafuphi, ebhekisela ezingaphansi kwamahhovisi Savings Bank, ungathola inkonzo yesikhathi, kuhlanganise ngesiRashiya.