Katunan bashi da sha'awa a kan asusun balance

Tara kudi ta wajen ajiya da kuma tanadi asusun ne dace da riba. Duk da haka, a cikin lissafi na kudi ba zai dauki: su zama samuwa ne kawai bayan wani lokaci. A kudi kasance ko da yaushe a kan hannunsa, kuma ko da ninka, aka ɓullo da katunan bashi da sha'awa a kan saura. A wani hanya, aka kira su da riba. The girma na yawan albashin m zare kudi katunan da kuma yanayi na amfani a cikin takarda.

Mene ne wannan?

'Yan mutane san kasancewar riba cards da kuma yadda suke aiki. A gaskiya shi ne na yau da kullum shiri "roba", ma'abũcin wanda aka biya ta Bank zuwa asusun balance. Income da aka lasafta kowane wata dangane da shekara-shekara amfani kudi da kuma adadin a kan katin. A wasu lokuta, wasu yanayi bukatar gudu don samun lada.

Maps da sha'awa a kan ma'auni na ãdalci - wani m samfurin ga waɗanda suka fi son amfani da su ne kawai kudi, amma kuma tara su. Babu shakka "da" da irin wannan samfurin ne mai free samun nasu albarkatu. Idan kudi ajiya shirye-shirye ne da amfani ya dauki wani lokaci, kudaden shiga katin za a iya amfani ba tare da hane-hane. Interest kudade an caje duk lokacin da asusun balance ne m (ko kai wani adadin).

Ba kowane banki da kuma kudi ma'aikata samar da riba "roba", amma tare da ci gaban da bukatar da karuwar ban sha'awa bada shawarwari. Ka yi la'akari da mafi m banki zare kudi cards tare da accrued sha'awa a kan sauran balance.

tanadi banki

Kungiyar yayi wani iri-iri na ajiya shirye-shirye daban-daban tare sharuddan da yanayi. Amma ba a bai wa katin kayayyakin ƙunshi lambar yabo accrual. The kawai togiya ne fensho zamantakewa zare kudi da katin tare da amfani ga saura. Sberbank sãka kambun a wani kudi na 3.5% annum, da kuma lissafi ne sanya a kullum. The adadin yaba da katin zarar wata daya.

A amfani kudi ne low, amma duk da haka zamantakewa katin yana da abũbuwan amfãni:

• goyon baya da kuma samar da katin ne kyauta;
• wani shirin "Godiya daga Savings Bank" a cikin nau'i keshbeka bonus maki.
• zai yiwu kisan wani ƙarin katin.
• da accrual ban sha'awa a kullum.
• withdrawals na banki tashoshi ba tare da kwamitocin.
• shiga a cikin bonus shirye-shirye na MasterCard biya tsarin.

Dace da m wajen samun wani fensho zai zama wani zare kudi da katin daga accrual ban sha'awa a kan ma'auni. Savings Bank yayi dace da yanayi na goyon baya da kuma a kananan wata fee.

Map "Bude Roquette"

Bankin "Opening", tushen a birnin Khanty-Mansiysk, gabatar da wani sabon gamayyar-katin "Open-roka" a karshen shekarar 2015. Jiki persons iya rajistar da samfurin a daya daga biyu rates: "Duk Cika Masaki" da "m sarari".

A karshen ne cikakken free kuma tabbatar da mai kyau yawan lada. Maps da sha'awa a kan ma'auni na "Open-roka" bauta MasterCard biya tsarin. Class "roba" misali - Duniya.

Wadannan tebur nuna yanayin jadawalin kuɗin fito da tsare-tsaren ga kudaden shiga da taswirar:

Ga lissafin 8% zuwa katin mariƙin ba ya bukatar ya cika kowane yanayi. Fee biya ko da yaushe, ko da kuwa da girma da wani m account balance.

Map «Cashback» Alfa-Bank

The yawan amfanin ƙasa na "roba" ne kai tsaye dogara a kan aiki na da mariƙin. Class cards - MasterCard Duniya. Idan ka kai a kai gudanar da ma'amaloli, accrued bonus:

• zuwa 8% - daidaita da za a canja shi zuwa wani tanadi lissafi.
• 5-10% - keshbek domin sayayya a gas tashoshin da kashe kudi domin gidajen cin abinci da kuma cafes.

A kudin irin wannan shiri "roba" ya dogara da sabis kunshin, wanda aka zaba ta hanyar abokin ciniki. Katin sabis ne 1,200 rubles. a kowace shekara. Bugu da ƙari caje ajali kudi shirin. Alal misali, "ganiya" kunshin koda halin kaka 1929 rubles. a kowace shekara. Amma idan mai asusun balance ya wuce 70 dubu. Rubles, wani katin tare da jadawalin kuɗin fito shirin zai zama free.

Tayi daga Tinkoff

Wannan banki ne wadanda ba misali tsarin kula da abokin ciniki sabis ne farin cikin bayar da dama zaɓuɓɓuka saboda m cards. Mafi shahara daga cikinsu - Tinkoff Black Class MasterCard Duniya ko Visa Platinum (abokin ciniki ta zabi) da Cashback alama a kan duk sayayya da kuma lada ga saura. Yanayin domin samun diyya ne hukumar biya ta wata ga adadin 3,000 rubles. Subject ga wannan bukata, da sahibin kati aka caje 8% da annum. Idan adadin a cikin asusun ya wuce 300 da dubu. Rub., The yawan an rage wa 4.

Sauran zare kudi cards tare da amfani a kan ma'auni da Cash Baya Tinkoff co-saka alama: Aliexpress, OneTwoTrip, "Manzon Club". Tukuici ga sayayya cajin zuwa gare su, a cikin nau'i na kari, wanda za a iya ciyar a cikin abokin banki. Keshbeka yawan dabam daga 1 zuwa 30 dangane da samfurin category. Shekara-shekara katin sabis ne 99 rubles. da watan, amma a wani isasshen asusun balance da sabis na bankin aka bayar kyauta.

Kudaden shiga katin "Bank a cikin aljihunka"

JSC "Rasha Standard" samar da wani jerin zare kudi cards daban-daban azuzuwan da cajin 4-8% ga ma'auni na kudi. A kayayyakin da wata misali kunshin na sabis m ga irin "roba". A jerin hada 5 Categories katunan "Bank a cikin aljihunka":

1. Classic - kudin da 4-8% aka caje a kan ma'auni na har zuwa 300 dubu rubles .. Cost na sabis - 900 rubles. da shekara (free domin ajiya na 30 dubu. Rub.).
2. Gold - 8% lasafta a kan saura su miliyan 1. Maintenance na "zinariya" cards - 3000 rubles. a kowace shekara.
3. Kaafla - kudin 10 dubu rubles .. a kowace shekara. 8% a kan ma'auni, samun damar zuwa premium shirye-shirye na biyan bashin tsarin.
4. Travel Premium - MasterCard Duniya daraja 3000 rubles. a kowace shekara. Fee aka caje kawai idan asusun balance ba kasa da dubu 30. Rub.

Kambun kuma shirin "kari kuma gata" samuwa. Bankin katunan tare da accrued sha'awa a kan ma'auni na "banki a aljihunka" zai faranta wa mai abu da kuma keshbekom a wani kudi na 1-5%.

St. Petersburg Bank

PJSC "St. Petersburg" - mafi girma a yankin banki, wanda ya fitar da wasu daga cikin mafi m kudaden shiga Charts. Sha'awa kudi jeri daga 5 zuwa 10%. Duk da haka, don samun wata babbar yawan so ba kowane abokin ciniki. Domin 5% lada biyan bashin da ake bukata domin asusunku kiyaye ci gaba na akalla dubu 50. Rubles. Idan yanayin da aka hadu a cikin watanni biyu, a kan uku shiri lokaci sahibin kati sami sama da 10% annum. The mulki ya shafi dukan iri cards, ciki har da:

• «Bright» - MasterCard Duniya.
• Visa (MasterCard) Unembossed.
• Visa Classic ko MasterCard Standard.
• Visa Gold ko MasterCard Gold.
• Visa CD ko MasterCard CD.

Keshbek ne 0.5% fãce MasterCard Duniya (1-2%).

Tayi daga sauran bankuna

Popularity augmentation nufin yin amfani da zare kudi katunan da aka girma a kowace rana. A mayar da martani, mafi kuma mafi bankunan bayar da shirye-shirye. Abin da sauran katunan za a iya bayar ga tanadi? Bari mu auna su a cikin tebur:

Mai katunan kawo kyau samun kudin shiga, idan da kudi ana ci gaba da adana a cikin asusun. A lokaci guda fãce ishe game da dubu 20. Rubles, za a sãka consistently.

Maps da sha'awa a kan ma'auni na lissafi - dace da riba banki samfurin, kyale ba kawai amfani da duk gata na biya "roba", amma kuma su tara kudi.