Sberbank makadhi: marudzi uye mari yebasa (mufananidzo)

Makadhi emabhangi akaiswa pamusika munguva pfupi yapfuura - pakati pezana remakore rechi20. Pasinei neizvi, vakave chinhu chakakurumbira zvikuru pamusana pekunyaradza kwavanopa mudzidzi. Panguva imwe chete, kadhi ndiyo nzira yekubhadhara uye chigadziro chekuchengetedza kuchengetedzwa kwemari yako. Kunyange kana ipurasitiki yakabiwa kana yakarashika, haugone kunetseka pamusoro pemari yako pane account - kungovhara kadhi.

Bhengi imwe neimwe ine kadhi yemakadhi iyo inogona kupa kune vatengi vayo. Kunyanya kusarudzwa kwakakura pakati pevaya vanoshandisa masangano echikwata chakadai seSberbank. Pachinzvimbo chikuru cheRussian chisarudzo chezvishandiso chikuru chaizvo. Nokudaro, munyaya ino tichatarisa makadhi eSberbank, maitiro uye mari yebasa. Mukufananidza, tichaedza kutsanangura kuti sei zviri nani kushandisa iyi kana iyo kadhi.

Credit Cards

Ngatitangei nenzira dzakadai dzakakurumbira dzokubhadhara semakadhi emakadhi echikwereti. Iyi ndiyo nzira yakanakisisa yekupa zvikwereti zvenguva pfupi zvakanyanya nokuda kwekutenga kwezvinhu uye mabasa. Chirongwa chebasa ravo chakajeka: munhu anochiwana nechimwe chikwereti chekwereti (somuenzaniso, Shandbank makadhi ekubhadhara, mhando uye mari yebasa ratinokurukura munyaya ino, rinogona kuva nemiganhu ye 120 000 rubles nezvimwe). Kana munhu akakwereta achida kutenga, anongoribhadharira kadhi, nekuda kwaanogamuchira mamwe mabhonasi mune mamwe mazororo.

Pamakadhi, maererano nemitemo yeBachenget Bank, mutengi anofanira kubhadhara imwe yero (somuenzaniso, 25 muzana pagore). Kana kubhadhara kusina kuitika munguva yakagoverwa panguva iyo, zvikwereti zvinowanikwa. Inofanirawo kuonekwa kuti muwedzera kune chido chekushandisa mari yechikwereti, mutengi anofanira kugara achibhadhara mari yekushandira kadhi.

Mhando dzekodha yemakadhi eSberbank

Makadhi ose eSberbank, ane maitiro uye mari yekushandira inosiyana zvichienderana nerudzi rwemhando, inotarisirwa kupa kune mamwe mapoka evatengi. Semuenzaniso, mapepa e "Vechiduku" akagadzirirwa vateereri vechidiki vechidiki. Iyi iVisa uye MasterCard (kusarudza) nebhadharo rebasa re 750 rubles. Kuzvigamuchira iwe unoda kutsigira mari. Chiyero chekwereti chikwereti chikamu mazana maviri emabhules, chikamu chekufarira chika 33.9%.

Kune avo vanoda kuda kutora chikwereti pasina kunonoka, kune izvo zvinonzi izvozvi makadhi. Chikwereti chechikwereti kwavari chakaderera-chete 120 zviuru zveRubles, uye chikwereti chechibereko chiri 25.9%. Kuti uzviwane kubva kune akwereta zvinoda pepipoti chete, basa rakasununguka.

Classic Credit Cards

Ichokwadi, mune chigadzirwa chebhangi kune makarikisi ekare. Izvi ndezvikwereti zvemakadhi, izvo zvisingabatsiri zvimwe zvinetso zvekwereti - zvose zviri nyore kwazvo. Chikwereti chikwereti mabhiriyoni zviuru makumi matanhatu.Ukwereta anomanikidzwa kutsigira mari, mari yebasa iri yakasiyana kubva kune 0 kusvika kune 750 rubles pagore (zvichienderana nokuti uri mutengi wenguva dzose yebhangi kana kwete). Makadhi okutanga eBabings Bank, maitiro uye mari yebasa, mapikicha atakapa, ndeapi maviri - Visa Classic uye MasterCard Standard. Chimwe nechimwe chazvo chinopa, sezvinoratidzwa pane webhusaiti yebhangi, iyo yakagadzirirwa yehutano. Pane zvose izvo muchengeti anoda, uye hapana chinotyisa. Hongu, uye haufaniri kudarika.

Marikiti yemakadhi evakidzani

Kunyange zvakadaro pane makadhi eBusiness Savings, maitiro uye mari yebasa (mhinduro dzinogutsikana) dzinopesana kubva pachigadziro chekutanga. Aya ndiwo makadhi evashandi. Panguva iyo pane vaviri chete - iyi ndiyo kadhi "Ipai Upenyu" uye kadhi "Aeroflot". Sangano rekutanga rinobata nekutsvaga kwemari yakagamuchirwa kubva kune vatengi kune zvigaro kune zvinyorwa zvevana vanorwara. Yechipiri inobvumira kwete kungokwereta mari nekubhadhara iyo yekutenga, asiwo kuunganidza maira emabhonasi nokuda kwekufamba-famba munyika yose mune ramangwana.

Debit kadi

Pane mamwe makadhi eBanning Bank, maitiro uye mari yekushandira iyo yakasiyana kubva kune chikwereti. Iyi ibhadharo, icho chaicho chaicho hachisi chokuwana mari yakweretwa kubva kubhangi, asi nekuisa mari yavo munyaya.

Makomborero emakadhi akadaro akawanda. Kutanga, ndiyo nzira yakakodzera yekubhadhara. Nokudaro, iwe unokwanisa, somuenzaniso, kutumira mari kune vanhu sebhadharo yemabasa kana nhumbi, uyewo kutora mari nenzira imwecheteyo. Chechipiri, kadhi inokubvumira kuchengetedza mari. Ngatitangei muenzaniso wakajeka: kana iwe wakarasikirwa nechikwama chako, zvingave zvisina maturo kutarisira kuti iwe uchakwanisa kudzorera mari yakasara imomo. Zvino, kana iwe ukarasikirwa nekadhi, ingovhara uye uwane itsva. Chechitatu, makadhi ekubvisa uye mabhangi ebhangi anobvumira kuwedzera mari. Nzvimbo dzezvemari dzinobhadhara chimwe chikamu chekuchengeta mari yako kubva kwavari. Inopesana zvichienderana nerudzi rwekadhi.

Nokubhadhara

Zvakanaka, hezvino mhando dzemhando dzebhadhidhi debit yemari inowanikwa muSberbank. Chikamu chokutanga ndechekubhadhara, zvakadai saVisa / MasterCard Virtual, kubhadharwa Visa Classic, uye makadhi eMangentum pakarepo. Yokutanga ndiyo yakanaka yekubhadhara kutenga zvinhu paInternet - muchengeti haatombodi kuigamuchira mumufomu uyu, anogona kungoshanda padhigiramu yedhidhi; Zviri mumakadhi akadaro zvinodhura makumi matanhatu ruble gore. Kadhipa repurasitiki rakagara rabhadhara rinorehwa kupa munhu kumunhu panzvimbo yemari yemari. Anokwanisa kuripa icho chezvinhu chero chipi zvacho munguva yemberi. Kana iri iyo Momentum kadi, inozivikanwa nokuda kwekugadzirwa kwayo nokukurumidza, kureva kuti, nzira inonyoresa.

Mamwe marudzi

Iko kunewo kadhi yevechidiki, 10 kubva kune imwe iyo inofamba nenzira yemabhonasi kune imwe nhoroondo yekodha, uye kadhi yevanhu vanogara muchengeti. Iyo yekupedzisira ine zvimwe zviitiko. Makadhi akadaro eSberbank (maitiro uye mari yebasa revaeni vakasiyana-siyana) anopa zvinotevera. Basa racho harina mari. Pamakadhi zvinokwanisika kubhadhara mari yehupfumi nyore nyore. Uyezve, bhagheni inokwereta 3.5% pagore yemari iri mukambani.

Yeuka kuti makadhi ose eSberbank (mhando dzemakadhi akabudiswa, mazwi ekugamuchira) ane tsanangudzo pane webhusaiti yepamutemo, saka iwe unogona kuwana zvakanyanya zvakanyanyisa zveruzivo ikoko.

Ndinodawo kucherechedza makadhi ekutanga. Ichi ndicho Visa Classic uye MasterCard Standard (sezvazvakaita nekwereti makadhi). Mari yavo yakareba chaizvo - 750 rubles pagore. Zvimwe, Visa Electron (inowanikawo pakugadzira kadhi reSberbank) inogona kuva imwe nzira. Mhando uye mari yeVisa Electron service ndeyotevera: kune kadhi rimwechete (hapana chakanangosarudza kubva); Maintenance haina mari shoma - mabhuru 300 chete. Nokuda kwemari iyi, mushandisi anogamuchira zvigadzirwa zvebhengi.

Pakupedzisira, tinocherechedza uye makadhi ekuremekedza kune vashandisi vemaitiro. Iyi iGolide nePlatinum kubva kuVisa uye Mastercard. Kugadzirisa kwavo kunodhura kubva kune 3 kusvika ku15 000 mabhiriyoni pagore, nokuti zvigadzirwa izvi zvakafambira mberi zvisarudzo (kuchengetedzwa kwekutenga, inshuwarisi, rubatsiro kune dzimwe nyika uye zvakadaro).