Yini umnikelo nenzuzo "Promsvyazbank" has ukunikela amakhasimende ayo?

isikhungo lwezezimali, eyaziwa ngokuthi i- "Promsvyazbank" ivuliwe endaweni 10th phakathi 600 amabhange Russian. Kuyinto okunokwethenjelwa futhi igunya elithile. Abantu abaningi beze zikhona nje ukuze zenze idiphozi. "PSB" - inhlangano singamethemba imali yabo. K Ngaphezu kwalokho, amakhasimende ahlinzekwa izimo ezinhle lapha.

"Isithakazelo okuqinile"

Unjalo tariff kuqala ukuthi bangathanda ukuba basho ukunakwa. Lena - nomnikelo ethandwa kakhulu. "Promsvyazbank" inezinga esiphezulu 8.5% ngonyaka, izibonelelo for premium amakhasimende, plus impatho ekhethekile okuhoxisa ekuseni.

Standard ahlinzekwa 8,25%. Uma abantu ukutshala 1 million ngonyaka, bese phezu kwesikhathi, uyakwamukeliswa engenayo in inani ruble 82 500. By endleleni, izinsuku ezingu-365 - lena esiphezulu. Ho usenayo ithuba ukuvula idiphozi ngesikhathi 3 izinyanga futhi 6. Nokho, sicela wazi ukuthi lo mnikelo akuyona agcwaliswa, futhi lasebhange ukuthenga alinikezelwanga kuye. Kodwa kukhona isandiso othomathikhi (kodwa esiphezulu izikhathi 3).

Lokho bonke kukhona ukwazi mayelana lo mnikelo. "Promsvyazbank" kwenza sipho ezithakazelisayo abantu abazimisele ukuze utshale izimali ezinkulu. Kusuka ku-1 500 000, ukuba ngqo. Kufanele zizofezeka uhlelo "Yakho PSB Premium" noma Orange Premium Club. Khona-ke kuyomelwe sikukhokhise inhlawulo ka 0.25% saminyaka.

"Siyakwamukela!"

A amazwi ambalwa kudingeka ishiwo lo mnikelo. "PSB" phezu tariff linikeza izimo ezikahle. Into ebaluleke kakhulu - kuba izinga esiphezulu 9.5% ngonyaka. K Ngaphandle enikeziwe replenishment umsebenzi. Futhi nenani lenkokhelo ezengeziwe akuyona esilinganiselwe. Ho kuphela esiphezulu ukuthi kungaba ebaleka, kuyinto ruble 20 000 000. Okungenani - ingqikithi bonke kwabayizinkulungwane eziyishumi.

Igama elithi esiphezulu idiphozi ilingana izinsuku 250. Futhi, zingahlelwa izinsuku 50 no-100. Lokhu ngenhlanhla iyona engcono kunazo. Kubantu ukuvula idiphozi izinsuku 50 no-100, isilinganiso singamaphesenti 9.5% ngonyaka. Uma isikhathi izinsuku ezingu-250, lapho kwehle-7.5%.

Ngokwesibonelo: uma ukutshala ruble esigidini izinsuku 100, ekupheleni kwalesi sikhathi, umuntu uzothola inzuzo ka 24 540 k.

"Izinkampani eziningi amathuba"

Lokhu kulinganisela futhi bakulungele ukunikeza "Promsvyazbank". Iminikelo ziyahlukahluka izici ezithile esinye kwesinye, futhi "Khulisa" iyathinteka. B isici Kulokhu ukuthi kungenzeka lasebhange ukuthengiselana, okuyinto azitholakali esimweni co wonke amazinga ngenhla. Umnikelo kungenziwa agcwaliswa, kodwa izinsuku ezingu-30 ngaphambi kokuphela lo msebenzi wenziwa "ivaliwe."

Amanani kuhluke. ukutshalwa kwezimali Ubuncane asethwe ruble 150 kuya kwezingu-300. Uma kukhona imali eyisibambiso c leli nani, izinga kuyoba 7.5% ngonyaka. By endleleni, kukhona ezimbili imigomo - 367 nezinsuku 731. Amathenda eyodwa efanayo eyodwa, futhi nangenye indlela.

Isixazululo kakhulu engabizi - ukubeka inani ruble ezingaphezu kuka-1 million. Khona-ke izinga kuyoba ulingana 8% (in the case of imigomo c amabili).

nezinye yamanani

Lokho bonke enikezwa litholakale "PSB". Imali abantu ezibalwe ngenhla ethandwa kakhulu. Ho has a ngaphezulu ambalwa.

"Izinzuzo zami", isibonelo. Ungavula lokhu idiphozi lwemali isiRashiya, futhi enye euro kanye dollar. Kungcono ukubhalisa in ruble. Ukuvula idiphozi izinsuku 367 in inani ruble ezingaphezu kuka-1.5 million, uzokwazi ukuthola amazinga elihle kunawo - 8% ngonyaka. Izimo zethu zihluke kakhulu inzuzo. C kwesigamu sesigidi ekupheleni indoda uzothola ezingaphezu kuka-120 000 njengoba i-Iphesenti lenzuzo.

Kukhona tariff "impesheni yami" c esiphezulu ngesilinganiso 8,41%, "Piggy wami Bank" (7.6%), "Amathuba Wami '(7.84%)," i-Multi-lwemali kubhasikidi "(7.85%) kanye" imithetho elula "(6.5%). Lezi zimali nazo ethandwa phakathi nezigaba ezithile zabantu, kodwa labo amazinga, okuye ezichazwe ngenhla, kakhulu ziphoqa.

Futhi-ke, njengoba kunoma yiliphi elinye ibhange okuqinile, kukhona inkonzo sokuvula ezifakwa abantu ibhizinisi. Sinenkosi ikhono ukubeka ngempumelelo imali yabo yokuzikhethela ukuze uthole inzuzo enhle. Kodwa lokho kuwukuhlasela esinye isihloko.

Nokho, ngayiphi ukuvula - kuba ukuxazulula ngayinye. Into ebaluleke kakhulu - ufunde ngokucophelela imithetho c ebekiwe inkontileka.