Kāle gula, Sberbank: hō'ike mana'o. Ke kāleka kala gula no Sberbank: nā kūlana

'A'ole i loa'a iā Sberbank i nā mea'olu'olu loa no nā kāleka kāleka. 'O kahi kāleka kāleka gula kekahi o nā huahana maika'i loa a hā'awi'ia aku i nā mea kū'ai.

Nā'ike nui

Kāleka kāleka gula o Sberbank i palena ka palena palena palena ki'eki'e. He 600,000 mau'āpana. 'O ka uku pane'e ma luna o lākou he 23%. 'O ke kumukū'ai no ka mālama pono'ana he'ekolu tausani rubles.

No ke komisina, ua like like ia me nā'ano kāleka'ē a'e - 3%, akā,'a'ole i emi mai i 400 mau māla. 'O ka uku uku palena palena palena he 5 pakeneka o ka hō'ai'ē holo'oko'a. He maika'i loa nā'ano kele gula (Sberbank), no ka mea, he mea maika'i ka ho'ohana'ana i nā mea kū'ai.

Ke noi nei i ka ho'opi'i kāleka kāleka, e hana'ia ia i loko o nā lā he nui.

'O wai ka mea e loa'a i kēia kāleka kāleka like'ole?

'O ka ho'ohana'ana i ke Kino Gold o ka Bank Savings, he'oi aku ka'oihana maika'i, akā'a'ole hiki i nā mea a pau ke loa'a. No ke noi'ana no kēia kāleka, pono e lilo ka mea nāna i loiloi he 21 mau makahiki a'a'ole i'oi aku ma mua o 65 mau makahiki. He pono nō ho'i iā ia ke kūlana mua o ho'okahi makahiki a hala'ole i'eono mahina ma kahi hope loa.

Maanei, pono e ho'olohe i ke'ano inā'a'ole'oe i loa'a ka uku ma Sberbank, pono'oe e hō'oia i kāu kālā me kahi palapala hō'oia, a me ka hana - he kope o ka puke'oihana.

Ke kāle gula o Sberbank: nā kūlana no ka ho'ohana'ana i nā mea i loa'a i ka mea kū'ai

'O ka mea i kapa'ia he kūlana kūikawā o Sberbank e mana'o'ia he po'e komo i nā'oihana uku, nā mea lawe i nā kāleka li'ili'i, nā mea mālama kālā, a me nā po'e i loa'a i kēlā me kēia'ano kālā.

Hiki ke hō'oia'i'o'ia kēia mau'ano o ka po'e kū'ai ma ka'oia'i'o e'āpono'ia ka hā'awi'ana ma ke Kime Gold. Ma kēia kūlana, pono'oe e noi me kahi palapala kikowai e ho'opuka a loa'a mai kahi kāleka iā Sberbank.

'O ke kāleka kālā gula he mea'ē a'e kahi maika'i - he 17.9% ka nui o ka makahiki no ka makahiki,'a'ohe pono e uku i ka mālama'ana a me ka laina palena ki'eki'e. Akā, ma mua o ka loa'a'ana o kāu kāleka, pono'oe e'ike i nā mea kiko'ī i nā'ōlelo a Sberbank e hā'awi ai. Hiki i ke kāleka kāleka gula ke ho'oponopono i nā pilikia nui me ke kālā a me ka pono e'ike i ke kālā no nā kū'ai nui.

He aha nā pōmaika'i o nā kāleka gula?

'O ka papahana ho'olimalima o ka manawa no nā mea kū'ai kālā

'O nā pakuke'ē a'e o nā mea e pa'a ana i ke kime Gold e hā'awi'ia ma kahi o Sberbank pono'ī, akā, ma o ho'okahi a'oi aku ka pūnaehana uku.

Eia kekahi la'ana,'o kahi kāleka me kahi pūnaewele uku "Visa" e hiki ai i kona mea nāna ke komo i ka papahana "World of Privileges", e hana nei i nā hua he 20,000 a puni ka honua.

I ka wā e uku ai i nā kū'ai like'ole me ke Kāleka Kāleka o ka Bank Savings,'a'ole e loa'a wale i nā mea kū'ai maika'i nā mea kū'ai o nā polokalamu o ka papahana, akā, e like me nā'ano ho'omaika'i, nā bonus a me nā makana kūikawā.

Polokalamu Bonus "Mahalo iā Sberbank"

Ho'onui'ia kēia mau pilikino i nā mea waiwai e Sberbank (kahi o ia bonus he ukana lilo'ole). Ma nā mahina mua'ekolu i hala ka hō'ailona'ana o ka mea kū'ai i ka papahana, e uku'ia'o ia i ka pu'u kālā boneta 1.5% mai kēlā me kēia kū'ai. Ma hope o ka pau'ana o kēia lā, e hā'ule ka helu o nā bonus i 0.5%.

'O ka ho'oku'u kālā hō'ai'ē, inā pau ka kāleka ma kahi'ē

Inā loa'a ke kālā i ka'āina'ē a'a'ole hiki iā ia ke lawe i ke kālā mai kāna kāleka (ka'aihue, nā pohō a me nā pō'ino) no kekahi kumu, hiki ke hā'awi'ia aku nā kālā i ke kālā he $ 5,000 i ka mea nona ka kāleka kāleka. I ka manawa like,'a'ole e kau'ia nā papa.

'O kēia mau pono e hiki ke ho'olako'ia e ke Kelepona Gold (Sberbank). Hō'ike nā hō'ike i ka ho'ohana'ana i kēia mau papahana he mea ma'alahi loa a he mea maika'i nō ho'i.

He aha nā mea'ē a'e o nā kāleka gula "gula" e hiki ai i laila?

Ma waho a'e o ka hā'awi'ia'ana o Sberbank e ho'ohana i nā kāleka kālā gula,'ekolu mau'ano kāleka pepa kāleka e mālama'ia nei: no ka holo'ana, no nā leo a me ke aloha.

1. 'O ka kālepa no ka holo'ana, ma kekahi'ano'ē a'e, i kapa'ia'o Visa Aeroflot Gold. Hā'awi ia i ka manawa i ka mea e lawe ai iā ia no nā kumukū'ai he kanakolu i lilo i ka kāleka, 1.5 mile. Ma hope o ka hana mua loa ma ka kāleka, ho'ohui'ia kahi bonus bonus o kahi mile mile. Hiki ke kū'ai ma'alahi i kēia mau koi no ka ho'ēmi'ana i nā tiketi ukali mai Aeroflot ai'ole ma ka ho'onui'ana i ka papa hana. 'O kā Sberbank kāleka gula ma kēia hihia, aia. Ke loa'a i kahi kāleka me ka cobrand, ua ho'onele'ia ka mea ho'ohana i ka manawa e komo ai i ka papahana "Mahalo iā Sberbank".
2. 'O ka lua o ka kāleka, i kapa'ia "No ka'ōlelo",'a'ohe mea'ē a'e ma mua o ka MTS MasterCard Gold card. 'O kēia ke'ano like'ole e like me ke'ano kāleka mua. No kēlā me kēia kanakolu kumukūmālua kahi uku kumukū'ai e hā'awi'ia, a no ka hana mua 600 mau helu i hā'awi'ia. Hiki ke ho'ohana'ia kēia mau makana ho'onani i nā hua'ōlelo manuahi, mau minuke o ke kūkā'ana, ka Internet a'a'ole wale.
3. No ka hā'awi'ana i ke aloha, loa'a iā ia he kāleka like'ole, i kapa'ia'o ke "hā'awi i ke ola". Ma'ane'i, me kēlā me kēia kū'oko'a maika'i loa, ua ho'ēmi'ia he 0.3% i ka kahua aloha. Ho'oiho'ia kekahi hapalua o ka uku no ka mālama'ana i ka makahiki i kona waihona pono'ī.

He mea nui e ho'omana'o i kēlā me kēia kāleka e'oi aku ana i ka uku pāna'i ma mua o ka mea ma'amau. 'O ke kumukū'ai o ka makahiki makahiki he 500 a'oi aku ka nui a'e a he'ekolu kaukani kālā. 'O kēia kahi pahuhopu hō'eha'ē a'e i loa'a i ke kāleka gula. Sberbank kou manaʻo ma luna o kēia 'ano o ka hana e loaʻa ai loaʻokoʻa. 'A'ole kekahi mea e ho'opili i ka ho'onui'ana i ka makahiki, akā'a'ole makemake kekahi.

'O nā'oko'a ma waena o nā "gula" a me nā "'ōlani"

'O ka mea mua,'o ia ka hapa kumukū'ai. E like me ke "gula" palapala 'āina,' o kekahi ma lalo iho o ka papa hana. He'oko'a loa ka lawelawe o ka makahiki. Ma luna o ka pahu mua he 3-3.5 mano rubles, a no ka lua - he mau ruble 750 wale nō.

Hiki ke ho'opuka'ia kahi kāleka kālā "gula" wale nō i nā mea'ai'ē me ka hō'oia kālā i ho'opa'a'ia i kēlā me kēia mahina, ai'ole i nā mea kū'ai ma'amau o ke kāleka. 'A'ole i loa'a i ka papa kime ka nui o nā pono, i hā'awi'ia i nā mea e pa'a ana i nā kiele o ka Gold.

'O ka pepa kālā kāleka gula o ka Bank Savings o nā kūlana he'oko'a ia i ka papa. Akā he mea ma'alahi kēlā. No ka mea'oi aku ka papa ki'eki'e o ia kāleka, a'o ka palena o ia'oihana'oi aku ka ki'eki'e.

He aha nā mea'ē a'e e hā'awi mai ai nā'olika'ē a'e

VTB 24

'O Bank VTB 24 ke hā'awi aku nei i nā koho'ele'ele'elima gula'elima, e ho'omaka ana mai ka'ōnaehana ma'amau, e ho'opau ana me kahi hua lahui. Loa'a iā'oe kekahi kāleka kāleka o kēia'akena, hiki iā'oe ke hele pū me nā hui o Railways Railways, Transaero a me Uteir.

No nā hua'ōlelo o ke kākau inoa,'a'ole lākou i like me ka mea i ho'okumu'ia e Sberbank. Eia nō ho'i,'a'ohe mea'oko'a ka uku pāna'i. Akā he mea'ē a'e.

Eia kekahi la'ana,'o ka mālama'ana i nā VTB 24 i nā makahiki'elua he'elua mau rubles no ka makahiki mua o ka lawelawe, a no kēlā me kēia ma hope a'e -'ehā tausani. I ka ho'ohālike'ana i ka mea'oia'i'o,'o kahi wale nō'ekolu kaukani ke Kāleka Kupa o ka Bank Savings. 'O nā hemahema ma'ane'i he maopopo.

Bank "Hōkū Lūkini"

'O ka laina "Russian" o nā kāleka gula "he'u'uku a'oi aku i'elima mau'ano kāleka. Hā'awi lākou iā'oe e kū'ai me nā uku nui aku i nā waiwai mai ka puke "Malina", loa'a nā pōmele ma ka pūnaewele putea a ho'ohana i nā makana kūikawā mai ka pū'ulu basketball UNICS.

Maanei, e'ōlelo'ia,'oi aku ka ki'eki'e o ka huina kālā ma nā kāleka o kēia pēke a he 29% ka nui. Akā na'e,'oiai, ua ki'eki'e ka palena palena o ka palena a me ka laina mai 750,000 a ho'okahi miliona mau māra.

No nā'ōlelo o ke kākau inoa,'a'ole pono e hō'oia i nā kālā ma'ane'i, mai ka mea i kākau'ia ka kāleka i'elua wale nō palapala.

'O Alfa-Bank

Hā'awi'o Alfa-Bank i nā'ano'oko'a'oko'a'eono o nā kālena gula "no kona po'e kū'ai.

Ma waho a'e o ka'oia'i'o e hiki iā'oe ke loa'a nā uku maika'i maika'i ma nā kāleka, aia nā papahana kūikawā no nā po'e. 'O kahi la'ana, he kāleka kāleka me ka inoa "100 mau lā me ka uku'ole o Gold" e hiki ai i kāna mea ho'ohana ke ho'ohana i nā kālā o ka'au'a i loko o ka palena i ho'opa'a'ia no nā lā he ho'okahi me ka uku'ole. Me nā mea a pau o keia no ka mea, he lōʻihi ka lokomaikai manawa Ua pili ole wale i ka 'ole-dala hana, akā, no hoi no ka dala maoli withdrawals.

'O ka palena ho'olālā ka palena'o ka "gula" mai'Alfa-Bank he 33%, a'o ka li'ili'i - 18%.

'O ka manawa aloha he 60 mau lā, akā'o ka palena palena he'ekolu haneri mano rubles.

He kūpono ka'ōlelo'ana e ho'okō'ia ka inoa o ke kāleka gula "gula" me ka hā'awi'elua wale nō palapala. I ka manawa like,'a'ole pono e hō'oia i ka loa'a. Hiki ke hana i kēia inā makemake'oe i ka li'ili'i i ka palena ha'awina.

Ka Hopena

Ma ke'ano laulā, hiki iā'oe ke noi no ke kelepona kālā gula ma Sberbank i kekahi mea nāna i hiki ke hō'oia i ka pae o kāna loa'a a me kāna hana. Akā,'o nā mea kūpono wale nō ka mea i koho'ia no nā mea i koho'ia: nā mea komo i nā'oihana uku, nā mea waiwai kālā a me ka po'e i loa'a ka mo'olelo ho'omana'o maika'i.

Hiki i nā lālani kūikawā o nā mea ho'ohana ke helu pono i ka palena palena loa ma ka palapala a me ka li'ili'i ha'awina ha'aha'a, a me ka nele pono o ka mālama'ana i ka makahiki.

Pono e ho'omaopopo'ia mai loko mai o nā mea a pau e pili ana i nā'ona wale nō e noi ana'o Sberbank i ka hō'oia'i'o o kā lākou kālā. Eia nō ho'i, me ka maopopo o nā kūlana no ka ho'olako'ana i nā kāleka i kahi pō'ino, ua ma'alahi ka ho'ohana a me ka pono. Eia ke kāle'a gula maika'i. Ma ka ho'oponopono'ana i nā hua'ōlelo'o Sberbank e'oi aku ka maika'i o ka maika'i'ole, no ka ho'ohana'ana i kēia kāleka e kūpono ai, no ka uku nui o ka mālama'ana i ka makahiki.