"Ko te tupu o te Bank": arotake. Loans, putunga, peka

To tatou whenua kua he maha nui o pareparenga - e rua rawa nui, me te iti rawa, iti-mohiotia. Heoi, e kore te mea tonu te uara i te tohu o te kounga pai o te mahi, tono whakataetae me nga tikanga, ahakoa e kore tutakina te taea taua. E rave rahi te iwi, ka whakatau i runga i te pai rawa o te whare nama, faaterehia e ona "ingoa", mohiotia e te. Heoi, e kore te mea te huarahi pai tenei. I mua i riro koe i te kiritaki o te pēke, kia āta titiro koe nga mita katoa o te mahi ki a ia, kia mohio te whakatauranga, lau te arotake o te hunga e kua whakamahia ona ratonga. I roto i tenei tuhinga, whakaaro matou waia koe koe ki te whakahaere "Growth Bank". Reviews, whakawākanga, ngā o taurewa me putunga, me ētahi atu mōhiohio nui ki te kiritaki pea, ka kia whakaarohia, ka arotakea i roto i tona tāpaetanga. Ko te kupu, timata tatou ki te kia maheni.

I runga i te pēke: hītori

OJSC "Bank o Growth" hopoi mai te aamu o te pareparenga e rua, e kua hanga e na roto i te whakakotahi i te whakahaere nama hou ki te taua ingoa. I te tīmatanga, i reira ko he pēke "Kazan", i whakahaeretia i roto i te mākete mai 1994. Ko te ka reira takoha tuatahi, me te hanga i whakatuwheratia te wehenga o te pēke hokohoko. I te whakatuwheratanga o te whakapaipai mana o te kamupene moni ki anake 100 mano moni, a ka kua i te ra o te rironga kua whakaritea i 1,675 piriona moni.

Neke atu i te nga tau, i puta ke te pēke ki te kamupene kararehe tahi tonu whakawhanakehia, te whakanui ake i ona rawa, whänui whatunga o manga me tari katoa i runga i te whenua. riro ia te tūranga o "matua whāngai", āpiti i te tahi-kararehe pēke "Growth" i roto i te Pipiri 2013, e i taua wa i mana whakapaipai i roto i te nui o 2.375 piriona moni me 30 piriona moni o ngā rawa. riro tenei hui kua tino nui i roto i te ora pūtea o te whenua - i hanga e tino kaha, te pūmautanga nui me o pūtahi nama ki te whatunga manga whanui me te mīharo te mahi pūtea.

Bank tenei ra

Credit institution "Bank Growth" mahi i raro i te raihana whānui o Bank o Russia i runga i te rohe katoa o te whenua ki te wāhi o te tari matenga i roto i Moscow. Ko tōna āhuatanga motuhake ko te rautaki momo whaitake e pā ana ki te mahi anake i roto i te ōhanga tūturu me te puna matua o te moni kua me noho tonu te whiwhinga o hinonga o te rāngai, me te ratonga. Ki te hanumi, tata o te whakapaipai me te rawa o te Bank nui haere ona wāhitanga pūtea me te whakarato pūtea taurewa. E ai ki te tauākī e te whakahaere nama o tona uara matua ko te ngākau nuitanga me ngā hiahia o ngā kiritaki, ka hāngai whanaunga katoa e i runga i tahi wā roa-. He painga nui, a ko reira te whakapehapeha o te tika, kï i runga i te tau.

Ko te painga matua o te pēke tēnei wā tu Elena Vlasova (hoki i roto i te 2012 riro reira te nuinga o nga hea o "Kazan"), e nona āhua 50,5% o te hea. Ko te toenga o te wahi nui i roto i te ringa o te tahi atu kaipupuri wha - Anatoliya Zolotyh me Valentina Aleksashin (āhua 16.6%), Elena Tarasova ko Elena Kossovo (8% i ia). Peresideni o te pēke, ko Artem Henkin, me tiamana o te poari o kaiwhakahaere - Vsevolod Morozov.

"Ko te tupu o te pēke" pupuritia hononga kaituhi ki nui Russian ( "Rosbank", "Uralsib") me te ke (Commerzbank, Dautsche Bank, VTB Bank, me ētahi atu.) Pūtahi Credit. Ko ia he mema o te Association o Banks Russian, te Moscow whakahaere moni o te ao whai wāhi i roto i hoko utu ke mākete o ZAO "MICEX Stock Exchange" ko Oao "Moscow Exchange".

Tūnga me whakawākanga o te pēke

Teie mahana JSC "Ko te tupu o te pēke" Ko roto i te nui rawa ngā rōpū nama Russian TOP-100. Ko te haamauraa tino nui o te tika o te tohu o te kaha o te pēke ki te whakatutuki i ngā hiahia ona kiritaki 'i roto i te ratonga pūtea, me te nama tenei. Ko te urunga o te whakahaere i roto i tenei rārangi e tika ana ki te maha o te mau parau tumu o tona mahi o ia rā:

• rawa momo me te kaupapa here nama haumi;
• mahi matua ki te ōhanga tūturu;
• huinga o te huarahi takitahi ki te auaha i roto i te ratonga kiritaki;
• wātea o ngā hua me ngā ratonga pēke;
• mākohakoha ki hoa me kiritaki;
• aromatawai mōrearea mātau.

I teie mahana, e nehenehe tatou e mau i te kōpaki taurewa tika ki te kounga pai, i te mea e tika ana ki te hanganga ture ki teie mau parau tumu rautaki i hanga i roto i te tau o tona oraraa, "Bank o Growth." whakatauranga nama whakaritea ki reira e te ti'amâraa "Tohunga RA" i roto i te 2014, kua ake ki "A +" (tiketike rawa) ki "whakawhanake" outlook. E ai ki a Paerewa & Poor o tata riro te pēke whakatauranga nama wā roa-o "B-" me wā-poto "C" ki "eu" matapae. faaite pokapū rua e pā ana ki te kounga o te kōpaki nama o te whakahaere pai, whakaaro reira tino nui. homai take ki te whakapono e he kainga te whakahaere, me te whakawhirinaki tona moni rite taea tenei. He tokomaha hanga takoha ranei loans ki te hanga i roto i roto i te manga KO "whakatipu Bank". Tohunga Reviews matapae he whanaketanga tonu, me te maau o te whakahaere me te whakapakari o tūranga i roto i te mākete ratonga pūtea.

Te mea faahiahia, he tona tūranga e whakahonoretia i roto i nga rohe i te pēke. Ko te kupu, riro te peka o te whakahaere "Bank o Growth" (Rostov-i runga i-Don) wahi tuatahi i roto i te whakataetae puritia e te Fund Guarantee o Rostov rohe. tū ia i roto i August 2013 me kua e pā ana ki te whakarato o taurangi pūtea i runga i loans ki pakihi iti, me te reo-rahi. whakatau tata e huamoni, ngā me te tika o nga whakahaere ratou. Ko te wikitoria i te kawenata i te nui o te 20 miriona moni, i riro te "Bank Growth" (Rostov-i runga i-Don) mo tuku ki te rāngai tūturu.

ratonga Bank

Ka rite ki te nuinga o nga pūtahi nama, te Bank tuku ona kiritaki i te whānuitanga ki tonu o paerewa ratonga pūtea. Ua farii i "Bank o Growth" putunga, foaki taurewa ki kiritaki tūmataiti me te rangatōpū, pakihi iti, me te reo, whakarato whakahaere moni me ngā ratonga tiakina, tuku taurangi, mahi ki pukapuka o nama, ārahi utu me ētahi atu kaupapa. Ko te tino whanui ratou rārangi tonu. , E whakaratohia ana etahi o ratou mahi i runga i te rohe katoa o to matou whenua nui etahi ratonga motuhake anake "whakatipu Bank" -Moscow (hei tauira, e pā ana ki interbank tuku).

Te nuinga ngā Ko te maha nui o tikanga o te taupori o putunga me whai wāhitanga moni. Ko reira ki a ratou noho tatou.

Ngā: momo me ngā āhuatanga

Tapatahi, me te haratau - paearu nui katoa mō ngā hua, nei e tapaea ana e "Bank o Growth." Ngā - tohu o tenei. Te whakahaere nama, i reira e rua ngā momo matua o haumi mō kiritaki tūmataiti. katahi anō ka "tupu noa" me "tupu mōrahi." Kia whakaaro tatou nga tikanga o ia o ratou.

free

Ko te tuatahi ko te ahua o te putea ki "maturuturu" i runga i tona moni. Eaha te auraa? whakatuwheratia ana tēnei moni tāpui te i runga i te tono, a kahore e withdrawal pā te auau huamoni. Hei whakahou i te pūkete, me te ki te kawe i roto i withdrawals, i tetahi wāhi i roto i te wā. whakaritea te toenga mōkito te (10 mano) me te moni - tiketike nui ki te putunga ki taua tikanga. Ko te nui mōrahi o tenei auau - 30 miriona moni, ranei kotahi miriona tāra (e kore nei e whakawhāiti i te taea o kiritaki). wā tāpui - i te toru marama ki te kotahi tau ki te kōwhiringa ki te whakahou ai i te kirimana. Te ōrau - he whanaunga me te takoto i runga i te wā me te nui o te heke iho utu (ake 9.2%) rānei.

mōrahi

Ki te kore koe e whakamahere ki te whakahoki iho moni i roto i te wā o te moni tāpui, e te mea pai ki te whakamahi i te takoha "te tupu mōrahi." E ai ki te pēke utu here tuku te auau huamoni pai ki to ratou pūmatuatanga. I tua atu, i reira he tikanga pai mo te mutunga wawe o te kirimana. Ka rite ki te mua, e taea hoki tenei whakahere hapahapai whakakiia ake i roto i te wā mana. Ko te moni tae ratou 10.5% i roto i moni, me 4.5% i roto i te moni ke. He hoki ngā rerekētanga nui i roto i nga moni me te wā. Ko te kupu, atu te takoha iti raro i 3000 moni, me te wā takoha te i tetahi marama ki nga tau e toru.

kua he pēke tātaitai pepa, te wahi e taea ki te tātai i te ōrau o te moni tāpui, i runga i te nui whakamaheretia me wā rānei katoa ko te pae. I tua atu, kei te whakaratohia depositors o te pareparenga whai wāhitanga mō te mahi takitahi, me te matua. whakaratohia ana te tuatahi e te haumi i te moni o 4.5 miriona moni me ngā tikanga motuhake mō ngā ratonga pēke, he kaiwhakahaere whaiaro, tari VIP me pera i runga i. Tuarua - ka te takoha i roto i te nui o 1.5 miriona moni. I roto i te wā e rua, te kiritaki riro te rota o hua tino pai.

Loans: moni

kiritaki tūmataiti "Bank Growth" whakarato taurewa i te moni rawa nui - ki runga ki te rua miriona moni. Ngā take ki te puta taurewa e konei i hanga e nga kaimahi o te whakahaere, me te taea te faaite i roto i nga kupu e wha:

• faitotonu - kahore utu huna;
• pai - päpätanga huamoni rawa iti;
• hohoro - i te tono o te whakatau ka tangohia i roto i rua ra;
• tika - i pupuri te he mōkihi o ngā tuhinga ki te iti (e hiahiatia ana i te uruwhenua anake).

I te aha e taea e tikanga e titau ki ngā kaitono e pea o te pēke? Ka rite ki whakahuatia i runga ake, te nui taurewa mōrahi ko rua miriona moni, te iti - 30 mano. Tenei moni e taea te tangohia hoki ki runga ki te rima tau (ranei utu, me te ono marama). Ko taea ki te utu wawe, kahore tetahi here. Ko te tino ngā - i te ōrau. Ka taea te tāuta te reira i te tere o 17%, i te mea i raro i taua o ngā hua rite i roto i te maha atu pareparenga. utu Annuity, me te rā o te whakatinanatanga whiriwhiri koe koe.

Ki te ngā matau. Na e hiahia ana koe ki te feruri i roto i pehea te pēke kite tona nama. whakaritenga paerewa - tau 20 ki te 65 tau, te wātea o te wheako mahi i te iti rawa e toru nga marama o, arā tohu parau o te moni (faarahi te reira i te tūponotanga o te whakaaetanga nama, me te whiwhi i te nui nui o te taurewa).

Loans aunoa

He putanga o mua o te nama mo te hunga e whakamahere ki te whakamahi i te moni mō ngā take whaiaro whare ranei, pērā i hoki hei haerenga ki te moana ranei ki te hanga. Ki te tō moe ko te motokā hou waitohu, ko reira pai ki te whakamahi i te hua motuhake. He ātaahua te taurewa motokā, whakapaipai i roto i "whakatipu Bank"? Reviews o nga rangatira o waka, ki te whakamahi i tenei mahi, whakaahua i te tikanga tino kanapa o tona kai. Tuatahi, ko te mōkihi iti o ngā tuhinga (e hiahiatia ana i te puka uruwhenua, me te tono anake) me te whai wāhi ki te hanga i tētahi tono, kahore he haerenga ki te taha tenei. Tuarua, iti-moni - i 8.9% i roto i te ngaro o te tahi atu utu. Ko te moni mo e taea e koe e mahara ki runga ki te 10 miriona moni, me te wā e atu ki te 7 tau! I roto i tenei take, whakaaro o te tono pumau kaua e nui ake i te rua haora, tae noa atu ofi ki te nama hoko hiahiatia.

I roto i te tikanga ki te kapo mai i te taurewa, e hiahia ana koe ki te whakarite inihua whaiaro (i roto i te toru kāwai), whai tangata whenua Russian, a ki runga ki te tau 55 tau. Hoki tenei hua e taea te hokona waka arumoni me te taputapu motuhake.

mōkete utu

I teie mahana, i reira e rave rahi hōtaka ngā mo te hoko o te whare, e tuku he "tupu o te pēke." Mortgage, whakapaipai i roto i te faanahoraa nama, te paearu e whai ake nei:

• haratau;
• urutanga;
• tapatahi.

Kaitono e whakamahere ki te hoko i te fare i roto i te mokete kia āhei hoki te auau o 8.5% te tau. I te whare ano i roto i ngā whare hou whakaratohia 100% instalment hanga he utu ki raro. Ka rite ki taua, tukua ana e ia ki te whakamahi i te whakapaipai whare kōhanga. I roto i "whakatipu Bank" e karangatia kaitono ki te whai wāhi i roto i te hōtaka o te tautoko kāwanatanga, i roto ia ratou - "kairangahau Young", "Military Mortgage" me etahi atu. Ko reira taea hoki ki te tango i te mokete i runga i ngā hōtaka AHML. Tetahi tauwhitinga, ki te hiahia te kiritaki ki te kia haere tahi e te kaiwhakahaere mokete whaiaro.

Mā te whakamahi i te tātaitai motuhake i runga i te pae tukutuku o te pēke, e mea ohie ki te tātai i te tata mua o utu e pā ana ki te tukatuka taurewa, me te ako i te utu ā-marama āwhiwhiwhi i runga i te wā me te nui o te taurewa rānei. Ka rite ki te tauira, he taurewa o tetahi o nga hōtaka tino rongonui - "Resellers". A, no te fuoloa te utu hoko o 4 miriona moni, me he utu tuatahi o te 30% o nga moni nui tono ki te 2.8 miriona moni. tomo matou ki te tātaitai te raraunga, me te te marama moni whānau kerekere - hei tauira, 80 mano moni. Ki te whakarite koe i te mokete mo te 20 tau, ka waiho i te auau 13.35%, me te utu ā-marama - 33.5 mano. Ki te whakamahi tatou i roto i tenei take, i te hōtaka kāwanatanga AHML, ka whakaiti i te auau huamoni mokete ki 11,85%, ka heke te utu e ki 30 500. Te huri i nga raraunga taketake, ka taea e koe te whiriwhiri hoki ratou i te ngā nama tino tika ana.

kāri nama: Āhuatanga

E pēke inaianei horoa ki kāri kirihou? Ko reira pea e vai taua. "Ko te tupu o te Bank 'hoki he ona ake whanaketanga ngā i roto i tenei wāhanga. E tukuna kāri nama, e tika ana ki te kaupapa here momo o te pēke. Heoi, E ratou etahi painga ngā. Ko te kupu, ko te toenga o moni i runga i te kāri, ka puta koe te moni i te tere o te 2-4% ia marama. Utu e taea e ia tata ki hea i roto i te ao, a ka kawea i roto i te faafariuraa o moni te ara tino pai - i te tere o te pūnaha utu.

He kāri e wātea ana i roto i te kāwai rerekē - i irahiko ki i te iti rawa i te konukawata me Infinite, he huatau, engari ano hoki whakarato whai wāhitanga mō ngā utu i runga i nga reti motokā me rahuitia hotera (i roto i te anga o te pūnaha motuhake o monū). Ki te awhina o ratou e taea te hanga e koe hoko i runga i te ipurangi, te utu mo te pūkoro, ka whakaritea ngā ratonga kōrero, kaiwhakarato ratonga Ipurangi, pouaka whakaata, me te pera i runga i. whakahaere Credit "whakatipu Bank" ATMs he aroaro i roto i nga pa katoa. Ano, ki te haere atu moni i te "maitai" Komihana (0.8%) he taea i roto i AVM pēke "UralSib".

kōrero whai hua mō ngā kiritaki

Ki te rā, kua "te tupu o te Bank" manga i roto i te 74 pa Russian, engari tonu ki kaha hanga ake te whatunga o manga me tari i roto i nga rohe. Haere tohutohu tohunga, me te riro i te kiritaki o te institution nama ko te tangata Russian noho i roto i tetahi takiwa.

Hei rapu kōrero āmiki e pā ana ki ngā hua o te pēke, ona ratonga me ngā mahi pūtea, i reira he he whakahaere "whakatipu paetukutuku e pā ana Bank ', kei nei i i www.rostbank.ru. mai te reira i roto i te kiko, hoahoa nāianei engari ano tino rerekē i te rauemi o ētahi atu whare nama. Here e taea e kitea e koe ngā mōhiohio e pā ana ki te pēke: mōhiohio e pā ana ki te hītori o tona whakatū me te mahi, kite i te whakawākanga o te pokapū rerekē, ngā mōhiohio pūtea, ako e pā ana ki te hua me te tikanga o to ratou tukunga, ki te whakamahi i tātaitai putunga me loans, ka whiwhi ētahi atu mōhiohio e pā ana ki te JSC "Bank o Growth "(raraunga whaiaro, hoapā, hoa, a na reira i runga i.). Ano i runga i te pae o te faanahoraa nama i roto i te kokonga maui runga reira he he hononga ki te Bank Ipurangi ( "Kiberbank"), i roto i nei e taea e koe te takiuru roto ki tō pūkete whaiaro ki te tirohia pūkete hanga i tetahi whakawhitinga pūtea ranei.

Hoki te kōrero operative ki mataotao KO "whakatipu Bank" tau waea kitea i roto i te wahi tino nui i te tihi o te pae. Hotline mō te waea kore utu - 8 (800) 250-88-88, mo te mahi tahi me te horo'a e wātea ana Īmēra - post@rostbank.ru. wāhi City o te tari matua o te kamupene "Growth Bank" - Moscow. Ko katoa i roto i te rohe Moscow kotahi tekau ma toru - kotahi pokapū, me te tekau ma rua atu. I runga i te pae tukutuku o "Te tupu o wāhitau tari te Bank 'i roto i to koutou rohe taea te kitea e haere ki te kokonga matau runga o te takiwa tēnā, me te whakatuwhera i te ripa" Whakapā ". Here taea kitea e koe i te maha rohe o te manga pēke. Kei te tari pokapū Kei roto i Moscou i runga i Stanislavsky Street 4/1.

Titiro i nga kiritaki waho

O te akoranga, kua rua kiritaki mauruuru, me te wenewene atu ake ake ia pēke. I te kau, whakatauranga o KO o nga tangata "whakatipu Bank" Ko 50.4% i 100%. Ko te tino tenei e kore te tohu pai, engari pai ano hoki. I runga i 28 arotake me whakawākanga runga 13 pēke i tenei ra te 17 i roto i o 225 (rite pae banki.ru)! Ko te āhuatanga pai tenei, me te korero o te mahi rawa angitu o te institution nama, tohunga ratonga tahuri me te taumata tiketike o te mahi.

Hei āhua whakaaro atu makona, a e kua amuamu kiritaki o te pēke, kite etahi o nga arotake mahue e ratou. I roto i nga pa maha (Kazan, Vladimir, Nizhny Novgorod me ētahi atu.) Manuhiri kite he huru ahuareka i roto i te ruma, ratonga anga me te moni i roto i te whakaoti i te raruraru o tohunga. Ko kotahi kiritaki KO "Bank Growth" (Rostov-i runga i-Don), tono hoki te takoha ki konei, ka mea ia e te tikanga mō ngā putunga e i roto i te pai i roto i te pa, i te tokotoko mātau, me te rawa huatau, tari pai. Te drawback anake, e hopoi mai raruraru ki kiritaki - i roto i te kotahi anake manga, a ka i roto i whānui, katoa o te pēke rite. Ki tenei tirohanga whakaae me ētahi atu kiritaki o te pēke, e hoki tuhia te moni reiti ātaahua i runga i loans. Ko te noho o St. Petersburg, aua taonga, tonu KO "Bank Growth" (St. Petersburg), maere e te kore o rārangi, pērā i ētahi atu peka o pūtahi nama. hua te reira i te pānga pai, me ngā kaimahi te tino āwhina (heamana tuku mo te whare kōrero whakamarie, whakamārama katoa i roto i te taipitopito me te manawanui, tāuru tuwhera hohoro, a tae noa te mea homai noa ringa).

O te akoranga i reira he arotake tōraro. Etahi o ratou whai wāhi te whakamahi o ATMs mea mate whakahōu mōhiohio i runga i te paetukutuku (e ētahi wā arata'i ki kino pokaikaha), raruraru hangarau me te malevolence o kaimahi takitahi. I roto i te whānui, i reira he nui ki te whakapai ake, a kia whakakorea etahi mau hapa i roto i te mahi, engari i roto i te whānui, i te pēke, ko te ki te kia e whakapai. Ko te mea matua inaianei - ki te pupuri i to ratou whenua i te taumata tiketike, me te ngana ki te whakakaha ratou.

mutunga

I teie mahana, e mōhio ki te iti-mohiotia i roto i te whānui porowhita o te institution nama "whakatipu Bank" tatou. tika ki te whakarongo ki a ratou, ka ki te tango i te rawa o ngā ratonga o te pareparenga Reviews o ana kiritaki. Ko tōna painga matua he kaupapa here tika momo i roto i te faatura o taurewa, me te arotahi ki runga i te utu ki te painga mōrahi mō ngā ngākau nuitanga o ratou kiritaki '. Tokomaha o te hunga e kua whakamahia te ratonga o te pēke, mea tikanga nama tino pai, me reiti teitei i runga i putunga. I tua atu, maha i roto i te urupare kiritaki tuhipoka tokotoko "Bank Growth" rite te ngaio mātau, me te ngawari, me te i roto i te meka e ratou te mata o tetahi whakahaere. Nā haratau tangata i roto i tona mahi, kua whakapumautia te Bank iho rite te whakahaere nama pono, me te pūmau, e hiahia ana ahau ki te mahi mo te wa roa. Na roto i te ara, "Ko te tupu o te Bank" ngā e kore e whakaatu ake, me ko te puna pai o ngā mōhiohio e pā ana ki reira kupu o mangai.