"Finance and Credit": Ukuphonononga Iingxaki

"Ukrainian Commercial Bank" yasekwa ngo-1991. kweminyaka 4 kamva labizwa ngokuba "Finance and Credit". Kangangexesha elide iziko lamatyala yasebenza ngaphandle iingxaki. Ngo-2013, i-Bank kwenzeka 13 kuluhlu lwe NBU phantsi kwempahla. I-zabelo engundoqo inkampani "Ascania" (45.92%), chao F & C Realty (41,58%), kwaye beneficiary - ke usomashishini uKonstantin Zhevago. Ukususela 2014 nokurhafiswa ebhankini, "Finance and credit" yawa kabukhali ngenxa ingxaki solvency.

iziphumo zemali

Kwikota yokuqala ka-2015 asethi ibhanki ukuba zinyuke nge-21.2% ngenxa yokukhula bekelelo (kwi USD 3.310 yeebhiliyoni.). Kwangaxeshanye, ukulahlekelwa yaba ukuya kwizigidi 715,7 UAH., Oko kukuthi izihlandlo ezili-13 ngaphezulu kunyaka ophelileyo. Ngenxa meko zinzima zoqoqosho kunye nezopolitiko kweli lizwe, abathengi abaninzi abakwazi ufezekisa izibophelelo zabo zebhanki. Ngoko ke, lo isixa kwiindleko zokubonelela banda izihlandlo ezi-3 ukusuka 211,9 ukuya kwizigidi 688,4 USD.

Bank "Finance and Credit ': iingxaki kunye needipozithi zeemali ezikhuphekayo xa

Kunyaka ophelileyo kwakunzima gqitha Ukraine ngokubanzi kunye necandelo leebhanki ngokukodwa. Emva kokuwa amaziko 'Ukrgas "," Rodovid "," Brokbusiness "yaye" Nadra "emarikeni Ukrainian kungaphela Bank" Finance and Credit ". Uhlaziya abagcinisa ukukhathazeka iiforam kunye ugwayimbo oluqhubekayo phambi kwesakhiwo NBU sibe kuphela meko.

Kangangethuba elide-zabelo ngakwazi ukufihla imeko enzima zemali mbutho. Iingxaki yaqala xa idola yanyamalala kubananisi. "Finance and Credit" (Ukraine) uyekile ukuba ahlawule iminikelo kubaxhasi, becaphula ukunqongophala lwemali ezinkozo. Ukuphendula naziphi na izimvo ngabasebenzi wacela ukuzibandakanya umgca phezu kunikezelo zeerandi. Obungu- oko lomxhasi lindela - ukuba ithuba ukufumana $ 100. Hayi imali, kodwa kuphela ithuba. Kule mali iidipozithi Bank kuqala "Finance and Credit" ubuyela umxhasi e UAH ngokwendlela Izinga NBU esemthethweni. Umahluko ne izinga imarike iye kakhulu, ngoko abantu abaninzi bayavuma ukuba ulungiselelo olo. Ngoko ke bayeka ukunika iidipozithi. Njengoko hryvnia kunye imali yelinye ilizwe.

funa uncedo

Zonke igosa umthengi waphendula ukuba mboleko okulindelekileyo ibhange "Imali kunye Credit", yaye wacela ukubiza emva kweentsuku ezimbalwa. Ngokutsho Central Bank,-thethwano kwi ngokutsha kwenzeka ukususela 2014. Kodwa ke umxhamli engundoqo bala kugalela imali kungena kwiziko.

Kodwa ngoFebruwari 2015, i-NBU usinike umbutho-mboleko nokuzinziswa $ 700 million UAH. nge ukuvuthwa engama-2 phantsi ulondolozo - ezifunekayo ezimbaxa propati. yenziwa ukwandisa ngoJuni 2015 kwi kwintlanganisso engaqhelekanga yoosozabelo ze Isigqibo ikomkhulu ogunyaziswe ngokubeka izabelo eyongezelelweyo abangama-1, 972 billion USD. Priority ilungelo bathenge amalungelo corporate ezi zabelo eziphambili, "Askania" chao LLC kunye F & C Realty.

"Finance and Credit": ncomo umthengi

Nangona phantsi inkqubo ekukhutshweni kwemali iziko lamatyala ezafumana isixa esithile semali ukubuyisela okuhlawula amatyala, abaxhasi kuqhubeka sineengxaki. Iimali ze amaqumrhu asemthethweni zikwimeko engumkhenkce, kungekho nayiphi na intshukumo. Abantu ayisuseki kwisixa se amakhulu 2 amawaka. UAH. ngosuku. Ngelo xesha nye kwavakala ukuba uhlawula inzala iidipozithi Bank "Finance and Credit". Customer ingxelo kuqinisekisa ukuba le mali yaqala ukuza kwi-akhawunti yekhadi. Kodwa luck ayikho yonke into, kodwa kuphela abo baye bavuma kunaba ixesha lesivumelwano. Kodwa malunga abanamatyala zabo zebhanki akawalibalanga. umbutho Credit akachithi xesha lininzi ukuthengisa ilungelo lokubanga kubaqokeleli bamatyala, kwaye bafaka icala. Ngenxa yoko, abathengi kufuneka ahlawule isixa esikhulu-mboleko zibuyiswe imali, nto leyo maxa wambi sidlula isixa-mali eliyintloko.

Ingcaphephe Amacebiso: Indlela ukubuyisela imali

Ukunqongophala amatyala lifumana ayikho ibhanki enye kuphela, "Finance kunye Credit." iingxaki Solvency zaphembelela amaninzi amaziko ezinkulu kweli lizwe. Kodwa iingcali zithi ukuba uyakwazi ukubuyela imali ngaphandle kokuya enkundleni.

Indlela enye: ukutshintshiselana idipozithi mboleko

Esi sikimu isebenza kuphela ukuba zombini iimveliso ahonjiswe ebhankini efanayo. Kodwa bokuqonda kufuneka ukuba kuxoxwe ngqo kwiziko lamatyala. Kwiminyaka emininzi eyadlulayo, isicwangciso exchange wacela amaqela esithathu. Umnini idiphozithi umboleki Ndipinde ndawabhala igalelo labo. Umxhamli libhekisela iBhanki "Finance and Credit" (Ukraine) kunye nesicelo ukubala imali xa amanqaku ngeentengo zemboleko. Ke umboleki ngemali ehlawulwa abagcinisa isixa kwetyala kwi-mboleko. Ngenxa yoko, kuqala ndahlukane ematyaleni, kunye nezinye wafumana imali. Le isaphulelo ingahluka phakathi 20-50%. Kodwa nge umahluko kangangokuba abantu bahlawule le mboleko ka-500 lamawaka. UAH., Ukuhlawula ngemali eziinkozo isiqingatha loo mali. Kodwa ke ukungabikho ummiselo osemthethweni ezi ubudlelwane ivumela naliphi na iqela kwinkqubo enkundleni umngeni lungamkeleki.

Indlela ezimbini: ukubhala isikhalazo NBU

Ukuba iziko lamatyala uyakuxabisa igama layo yaye akafuni ukuba kufike ubudlelwane kunye umlawuli, ngoko izenzo ezinjalo bayakhuthazeka ukuba abuyele imali ukuya client.

Guqula iidipozithi libe zizabelo

bank State, "Finance and Credit" ayixolisi yaye zifuna izitofu ezongezelelweyo. Ngoko ke, abaseki bagqiba ukwandisa capital yobulungisa ngokuthi kukhutshwe izabelo. National Bank, kutshanje kubatyali ukuba babelane iidipozithi zabo izabelo zombutho ngetyala. nentshiseko enkulu kule isindululo ayibangelwa bebonke. Kutheni kufanele izibambiso ngumhlali oqhelekileyo yequmrhu ebhankini? Nokuba eCyprus, apho icandelo laphuhliswa kakuhle phambi kokuba ntlekele, eso simemo babonwa kakubi. E Ukraine, kunye ezisebenza kakubi istock market iindaba oku kunokukhokelela kuphela ukuba olongezelelweyo outflow of capital.

Trial njengendlela yokuphuma

abathengi abaninzi bayavuma ngokwabo amangalele. Ingakumbi ukuba iindleko igqithe imali yedipozithi. inkqubo yezeejaji ibonisa ukuba isisombululo kwiimeko ezininzi ziya kwenziwa ngokuthanda client. Eneneni, ukungaphumeleli ukubuyisela sedipozithi ukophulwa kwiSiqendu 382 soMthetho i-Criminal Code of Ukraine. Kwaye namhlanje ndlela isebenzayo recovery kwetyala.

Amagqwetha bayacetyiswa ukuba sizilungiselele yona kwangaphambili kwaye uqale inkqubo yokunxibelelana bhanki kuphela ngembalelwano. Okokuqala kufuneka ukuba angenise isicelo isicelo lokuphelisa neziphumo isivumelwano idipozithi (Ukulibaziseka ekufumaneni kulo echazwe kuxwebhu). Ingxelo kufuneka ithunyelwe ngeposi eqinisekisiweyo, okanye ngeposi okanye ubhale in duplicate. Ngomhla wesibini kufuneka ibe linani engenayo, umhla amaphepha ubhaliso. Ukuba iziko lamatyala emva ekupheleni kwekhontrakthi ayiniki imali, bechaza yezizathu ezahlukeneyo, kufuneka uqhagamshelane kunye nezikhalazo ukuba uSihlalo Bank kunye NBU. Emva koko kufuneka enze isicelo enkundleni.

Isikhalazo kufuneka zibonise kuphela imfuneko ukubuyisela imali yedipozithi kunye nenzala, kodwa kwakhona ukuba inyanzelise intlawulo izohlwayo iphula ngokwalo (kaninzi 0.001%, ubuninzi-10% ye-mali sedipozithi). Musa ukulibala malunga yomonakalo yokuziphatha, isohlwayo lokuhlawula emva kwexesha. Kukho ithuba lokuphumelela umva-3% kubalwa kwalibaziseka kwaye bagubungele kwamaxabiso.

Ubumeli kungathatha ixesha elide (ukusuka kwiinyanga ezimbalwa ukuya kwiminyaka emininzi) kunye nemali. iindleko zolawulo zibandakanya iimali enkundleni (1% yemali yebango, ubuninzi 3654,00 UAH.). Iindleko for uncedo lwezomthetho, apho uluhlu amaxabiso amakhulu kakhulu, wena ungakwazi ukudlula ummangalelwa.

abaphathi Top zinoxanduva

Le abathengi kakhulu lithemba wakhonza isicelo ukwenza ligosa elijongene of enomda ukuba baye phesheya, umzise kuya kuma okusesikweni, ukuba lithathe impahla ubalo iidipozithi ezibalaseleyo. Esi sikimu ifuna elide uphando pre-kwetyala, izigqibo kunye nokunyanzeliswa wesivakalisi. Ingxaki apha kuxhomekeke kwinto yokuba ummangalelwa nje ukuba izinto ezaneleyo ukuze uhlawule ityala kwi iidipozithi ngomdla. Into yesibini: ummangali kufuneka nakanjani kubonisa ukuba abaphathi abaphezulu akuphumelelanga ngabom ukuzalisekisa isigqibo senkundla. Kuthatha iinyanga. Noko ke, amagqwetha bathi le ndlela umzabalazo ezivakalayo iidiphozithi iimali nethuba lokuba aphumelele kwisimangalo.

Ukuthembeka ebhankini, "Finance and credit" yawa kabukhali. Kakhulu lugwayimbo abathengi evela Donbas kunye eCrimea. Ngaphandle aphumelele kwimbambano ekhoyo, ukuba babuyele imali client zabo xa ayikakwazi.

Ukuvulwa ityala lolwaphulo-mthetho ngokuchasene umphathi top akuqinisekisi kokufumana sedipozithi, ngomdla. Kodwa ngokuqinisekileyo uya ukunyanzela beebhanki ukumamela iingxaki zabantu kwaye uqale ekusombululeni kubo. Ukuba ngaba wenze nantoni na konke konke, ngoko ke intlawulo kunokuba okanye hayi ukulinda, okanye ukufumana imali evela Idiposithi Guarantee Fund.

Ngubani ofanele ukumangalela

Yezemali Bank "Finance and credit" yeziphumo kulindeleke abangekenzi lona. Ixesha elide NBU iyalibazisa ukuqaliswa ulawulo yethutyana, nzima uya kufumana imali. Ngubani mali sedipozithi ingadluli aqinisekisiwe ngurhulumente 200 amawaka. UAH., Imali baya kufumana. Umbuzo kuphela kuxa. Kodwa nesinegalelo kufuneka bakhawuleze kunye letyala kwaye ukumangalela ukungena ulawulo yethutyana.

isiphelo

Ngenxa meko zoqoqosho ezinzima kweli lizwe kunyaka odlulileyo ukusuka emarikeni kwathabatha amaziko 5 ezinkulu. Inyathelo elilandelayo, "Finance and Credit" Bank. ncomo Customer ukuqinisekisa ukuba kwiminyaka yakutshanje kuye nzima kakhulu ukufumana i efunekayo idipozithi kunye nenzala yayo. Abathengi wachaza ukuba ayisebenzi ixesha ngenxa yokungabikho imali ebhankini ukubuyisela imali. Ochwepheshe kwiimeko ezinjalo, okanye ukutshintsha i idipozithi semali-mboleko, okanye ukufaka ibango kwaye ulungele kwisimangalo elide yaye iindleko ezongezelelweyo zezimali. Kulo mzekelo, ukuba loo mali sedipozithi idlula amawaka-200. UAH., Ke ulingo kubhetele ukuba angalibali.