Apho ngokukhawuleza ukufumana ikhadi letyala ngaphandle engenayo?

ikhadi lamatyala namhlanje sisixhobo ubhetyebhetye ukuba ngokukhawuleza nangokulula likuvumela ukuba ukusombulula iingxaki ezininzi zemali. Yonke imihla payments non-cash yaye kuya kusanda ukuthandwa. iibhanki abaninzi baye bagqiba ekubeni benze konke okusemandleni ukufumana eli lungelo ababeyiswele kwiimeko ezahlukeneyo. Zama ukufumana phandle nalapho unokufumana ngokukhawuleza ikhadi lebhanki letyala, indlela yokuyenza, yintoni amaxwebhu kuya kufunwa.

Kutheni iibhanki basuse

Kwiminyaka embalwa edlulileyo ukuze ufumane ikhadi ngetyala okanye imali-mboleko, kwafuneka Azakuhamba ukugqitha kuqhubeko elukhuni. Kwakugcwele ukuqokelelwa nokulungisa la maxwebhu, leyo ukuqinisekisa ukuba ingeniso, ukufumana guarantors kunye imigca emide. Ngoku yonke into eyahlukileyo.

Xa kuvela umbuzo ukuba apho ungafumana ikhadi lamatyala ngaphandle yesalathisi, kufuneka nje ukuba Internet. Izicelo ngoku mazingeniswe ngekhompyutha, ngoko ke kunokwenzeka ukuba ukwenza ikomityi yekofu eshushu.

Kutheni indlela yokwenza lula? Mhlawumbi oku wamtyhala ukhuphiswano ekhulayo phakathi amaziko zemali ezahlukeneyo. Ukuze ukutsala abathengi ezintsha nokugcina ibhanki ubudala benza konke okusemandleni ukuqinisekisa ukuba iinkonzo zabo kunceda kakhulu lula.

iingenelo yenkonzo

Kunzima ukukholelwa ukuba kukho ofisi beebhanki, apho ungenza ngokukhawuleza ukufumana ikhadi lamatyala ngaphandle kokunika inani elikhulu lwamaxwebhu. Cinga iingenelo le nkonzo:

1. Akuyi kufuneka ukuqokelela isiqinisekiso yengeniso ezongezelelweyo kunye namanye amaxwebhu.
2. Akukho mfuneko beme emigceni. Faka isicelo ikhadi uya kukhutshwa online.
3. kwenzala Low.
4. inkonzo abasebenzi lwabathengi yeelwimi ezininzi.
5. Ithuba ukurhoxisa imali nangaliphi na indawo zomhlaba.
6. Yobudala apho ungakwazi basebenzisa lenkonzo yiminyaka eli-18.

Ukuba ukhangela apho ukufumana ngokukhawuleza ikhadi lebhanki letyala, isifundo inikeza neebhanki ezininzi kwaye khetha engcono kunokwenzeka ngokwabo.

zisasuka

Yinto eyaziwayo ukuba akukho imveliso egqibeleleyo kunye neenkonzo. Imigibe ukuze kungafunyanwa na indawo egcina imali akukho ngaphandle. Kubonakala ngathi zonke kuvakala kamnandi kangaka, yonke uyakwazi ukufumana umkhondo apho ukuze ufumane ikhadi lamatyala ngokukhawuleza ngaphandle izatifikethi. Ewe, ayinike kwiminyaka eli-18, akuyomfuneko guarantors. Uphi na catch?

iingozi Bank ziphezulu, kuba abasebenzi awuyazi noba umthengi ahlawulelwa ngokwaneleyo ukuze ukuyibuyisa le mali uyibolekiweyo. Ukunqongophala kweenkonzo card nokukhutshwa ngaphandle njengabalamli ukwasikhombisa zingafunyanwa kuphela, kodwa kubalulekile. Izinga eliphantsi ukuzithemba kukwazi ukuba iklayenti - oku kuthetha ukuba isixa esikhulu semali ibhanki akayi kuba nako ukunika. mboleko kuphela ezincinane neemfuno ezithile, xa kukho imfuneko engxamisekileyo. Xa kunjalo, ukuba umntu obuyisela-mboleko ngexesha, nto iqala lubonakale njenge imbali yekhredithi. Ukwanda kunye nexesha kunye nokuthembela, abantu baya kufuneka ukuba isicelo kuye umda wakhe uya kwandisa amathuba imali-mboleko.

Ukuba ukhangela apho ukufumana ngokukhawuleza ikhadi lamatyala kuba ngokungxamisekileyo kufuneka isixa esikhulu semali, inkonzo akuthethi engavumelani nawe.

Inkqubo zokufumana ikhadi lamatyala

Emephini ukufumana kulula kakhulu nawuphi na ummi omdala alo ilizwe:

1. Study inika iibhanki ze ukhethe enye apho unako ukufumana ikhadi lebhanki letyala kunye nemiqathango kuFeliks.
2. Ugcwalisa isicelo. Kukho iindlela ezimbini apho oku kwenziwa - kwi-intanethi okanye kwi-ofisi yebhanki ekhethiweyo.
3. Ukuba isicelo azalisiwe online kwixa elizayo nge iklayenti enxulumene umcebisi ukuqinisekisa ngesivumelwano ngomnxeba ukuya kunikezelo ikhadi kunye ngokutsha lwesiQu data.
4. Emva kokuba ibhanki iya kunika impendulo eyakhayo, kuza kufuneka ukuza kwi-ofisi uthabathe ikhadi lakho.
5. Kuhleli kuphela ukurhoxisa imali iimfuno eziyimfuneko uhlawule imali-mboleko ngexesha ukugcina imbali elungileyo ngetyala.

amaxwebhu afunekayo

Ukukhupha ikhadi lebhanki kufuneka data zabathengi, ikhowudi yesazisi. Khawufan 'ucinge, ipasipoti ubungqina ngakumbi eyongezelelweyo nesazisi.

Kufuneka kuqondwe ukuba ulwazi olungaphezulu malunga umxhasi ngokwayo langoku, ayanda amathuba okufumana isixa esikhulu semali sengozini.

elinye iphepha

uxwebhu olongezelelweyo kunikezelo credit cards unokuba kweentlobo ezimbini:

• lophawu;
• Ibonisa endaweni ethile zemali.

amaxwebhu ezikhoyo:

1. A yokundwendwela, nto leyo eye uphawu ukuba abantu abaya kwamanye amazwe.
2. ingxelo yebhanki yedipozithi okanye ezinye amakhadi yebhanki.
3. Amaxwebhu kwi kumatshini. Oku kunokuba inshorensi, nomthetho, incwadi yokundwendwela zobugcisa.
4. Ukuba unqwenela ukufumana umda enkulu ngetyala, unako angenise ingxelo yengeniso kunye nekopi yencwadi yomsebenzi.
5. inshorensi yezempilo.
6. Ezinye iinkcazelo beebhanki Kwakhona ucinga eyilwayo ukuhlawulela iinkonzo zoluntu egameni lesigulane eso.

Student Credit Cards

Apho ngcono ukukhupha ikhadi lamatyala umfundi oneminyaka eli-18 ubudala? Cinga isindululo ethandwayo.

1. "Tinkoff". Ikhadi le ikhutshwa kuphela kwi yokundwendwela, isicelo siqwalaselwe ngomhla mini. umyinge wenzala yahluka ukusuka 24.9 ukuya 45,9%. Umda 300 000 engange.
2. "PSB". siphakamiso umdla kakhulu ukuba ikhadi lemali. Imali emva 5% - yinkonzo esilungiselelwe nokufunyanwa kweempahla yodidi ethile. Nokusetyenziswa esebenzayo iindleko inkonzo yekhadi simahla.
3. MoneyMan. Isicelo semali-mboleko kwi mephu kubonwa ngomhla unyango, kufuneka angenise yokundwendwela. MoneyMan - yinto ithuba elikhulu ukufumana imali-mboleko ngokukhawuleza kwaye ngaphandle iingxaki. Ixhasa amakhadi ngayo nayiphi na ibhanki.

amakhadi Credit kubantu abangaphantsi 18 musani wakhe wawunomda enkulu. Ubukhulu imele udibaniso - 150 amawaka engange. Ukuba kukho nexesha ubudlelane okanye umvuzo, kwaye ujongene neendleko ezingalindelekanga, ngoko le mali iza kwanela. Ukongeza, uya ube imbali elungileyo ikhredithi, kwaye akwazi ukuthatha-mboleko ezinkulu xa kuyimfuneko.

Amakhadi Credit abadala

Abadla umhlala-phantsi, ukuba kuyimfuneko, nazo ukufumana iibhanki embalwa, nto leyo ngokukhawuleza ukufumana ikhadi lamatyala ngaphandle kokuba angenise ingxelo yengeniso, kuba real kakhulu:

1. "Tinkoff". Imephu Black iKhadi ifumaneka ukuya kwi-18 ukuya kwengama-70. umyinge wenzala yahluka ukusuka 25 ukuya 45%. Kuba ubhaliso kungeyomfuneko ukuba utyelele i-ofisi ebhankini. Bazaliswa isicelo intanethi, emva kwamkeleke yikhuriya kuzisa ikhadi ekhaya.
2. "Standard Russian". Umlinganiselo wenzala yi-29%. Iyafumaneka ukuze abantu 25 ukuya kwiminyaka engama-65. Isigqibo lokunika yamkelwe phantse ngoko nangoko. Ke umthengi ukhetha - uya kuthabatha ikhadi okanye iyalele i iposi.

Best nezahlulo iibhanki

1. "Tinkoff Platinum". Low umyinge wenzala, ungakwazi umyalelo yekhuriya unikezelo ekhaya. Umda credit 300 000 engange. Inzuzo - ukubeka iibhonasi ngonyaka olongezelelweyo. Apho kokuba zisetyenziswe, oko kucacisiwe kwii-ofisi yebhanki leyo.
2. "INkosi Bank." Ukuze ufumane ikhadi lamatyala ngaphezu yokundwendwela, kufuneka unikeze amaxwebhu ezongezelelweyo. Ubuninzi isicelo processing - kwiintsuku ezisi-7. Low umyinge wenzala, isithuba saphambi korhafelo ulungile.
3. "Yar Bank". Isicelo kusingathwa kwangolo suku. Elona wenzala - 25%. Grace xesha - iintsuku 55, ukususela amaxwebhu ekufuneka kuphela yokundwendwela. Umda Credit elikhulu - million 1 engange.
4. Alfamiles of "Alfa-Bank". Grace xesha - kwiinyanga ezi-2, lo umda yobudala - engama-21 ubudala. Kulo nyaka wenkonzo ixabisa malunga ne 2,000 engange. Nciphisa - 150 000 engange. Nokusetyenziswa esebenzayo iibhonasi, enokusetyenziselwa ukuhamba umoya.

Ukuba Kufuneka ufumane ikhadi lamatyala ngaphandle kwengeniso, isicelo kwiibhanki eziliqela. A bazijongisise zonke izithembiso. Musa ukulibala: ukuba kukho umrhumo iibhonasi ukuba ukusetyenziswa kwekhadi, yinto inzuzo olongezelelweyo.