"A ci gaba da bankin": reviews. Loans, adibas, rassan

Our kasa yana da wata babbar yawan bankuna - biyu manya-manyan kuma kadan, kadan-sani. Duk da haka, da darajar ne ba ko da yaushe wani nuna alama na mafi ingancin sabis, m saka kudade da kuma yanayi, ko da yake ba ware irin wannan yiwuwar. Mutane da yawa, a lokacin da yankan shawara a kan zabi wani bashi ma'aikata, gudana tawurin ta "sunan", cewa da aka sani. Duk da haka, wannan ba hanya mafi kyau. Kafin ka zama abokin ciniki na banki, ka yi nazari a hankali duk nuances na aiki tare da shi, to san rating, karanta sake dubawa na waɗanda suka yi amfani da ayyuka. A cikin wannan labarin, za mu bayar da shawarar ka familiarize kanka tare da kungiyar "Ci Gaban Bank". Reviews, ratings, sharuddan da rance da kuma adibas, kazalika da sauran bayanai da muhimmanci a wani m abokin ciniki, za a samarwa da kuma kimanta a cikin biyayya. Saboda haka, da muka fara samun Masana.

A cikin banki: tarihi

OJSC "Bank of Ci Gaban" ya kawo labarin da biyu bankuna, wanda aka kafa ta hanyar hada wani sabon bashi kungiyar tare da wannan sunan. Da farko, akwai wani banki "Kazan", wanda sarrafa a cikin kasuwar tun shekarar 1994. Wannan ke nan a lõkacin da shi na farko taimako da kuma halitta da rabuwa na Retail Banking da aka bude. A bude izini babban birnin kasar na kamfanin amounted zuwa kawai 100 dubu rubles, kuma a ranar da Accession an gyarawa a 1,675 biliyan rubles.

A tsawon shekaru, da bankin da aka canza kama zuwa wani hadin gwiwa stock kamfanin ci gaba da raya, kara da dukiya, kumbura cibiyar sadarwa na rassan da kuma ofisoshin a duk faɗin ƙasar. Ya zaci rawar da "dauki reno iyaye", attaching wani hadin gwiwa-stock banki "Ci Gaban" a watan Yuni 2013, wanda a wancan lokaci ya yi izini babban birnin kasar a cikin adadin 2.375 biliyan rubles da kuma 30 biliyan rubles da kadarori. Wannan taron ya zama da muhimmanci ƙwarai a cikin kudi rayuwa na kasar - An kafa gaske iko, most da kwanciyar hankali na bashi cibiyoyin da m reshe cibiyar sadarwa da kuma ban sha'awa kudi yi.

Bankin yau

Credit ma'aikata "Bank Ci Gaban" aiki a karkashin wani janar lasisi na Bank of Rasha a kan dukan ƙasar na kasar tare da location of shugaban ofishin a Moscow. Its rarrabe ne m ra'ayin mazan jiya dabarun hade da aikin kawai a cikin real tattalin arzikin da babban tushen samun kudin shiga da ya kasance, ya zauna, da crediting na kamfanonin na kansu, kazalika da sabis. Tare da 'yan ci daga babban birnin kasar da kuma dukiya daga bankin ya karu da kudade da dama da kuma bayar da rance. A cewar sanarwar da bashi kungiyar na ta babban daraja ne so da kuma bukatun na abokan ciniki, da kuma duk dangantakar su ne bisa tsawon lokaci hadin gwiwa. A gagarumin amfani, da kuma shi ne girman kai na aminci, tabbatar a tsawon shekaru.

Babban beneficiary na banki a halin yanzu tsaye Elena Vlasova (da baya a shekarar 2012 shi ya samu girma da hannun jari na "Kazan"), wanda ke da mallakar kamar 50,5% na hannun jari. Sauran wani gwaji kashi a hannun wasu hudu hannun jeri - Anatoliya Zolotyh da Valentina Aleksashin (kamar 16.6%), Elena Tarasova da Elena Kossovo (8% kowane). Shugaban bankin yana Artem Henkin, kuma shugaban kwamitin gudanarwa - Vsevolod Morozov.

"A ci gaba da banki" kula da wakilinmu dangantaka da babbar Rasha ( "Rosbank", "Uralsib") da kuma waje (Commerzbank, Dautsche Bank, VTB Bank, da sauransu.) Credit cibiyoyin. Shi ne mai memba na Ƙungiyar na Rasha Banks, da Moscow duniya monetary kungiyoyin da hannu a fatauci kasashen waje musayar kasuwa na ZAO "MICEX Stock Exchange" da kuma OAO "Moscow Exchange".

Matsayi da kuma banki ta ratings

Yau JSC "The girma na banki" shi ne a saman-100 mafi girma a Rasha bashi kungiyoyi. Wannan ne mai matukar muhimmanci tabbatar da AMINCI na gwaji na banki ta damar saduwa da abokan ciniki 'bukatun a cikin kudi da kuma bashi da sabis. A shigarwa na kungiyar a cikin wannan jerin saboda wani yawan ka'idojin da kullum aiki:

• fairly ra'ayin mazan jiya da kuma zuba jari na rance manufofin.
• aiki da farko tare da real tattalin arzikin.
• hade da mutum tsarin kula da bidi'a a cikin abokin ciniki sabis.
• samuwan banki samfurori da kuma ayyuka.
• gaskiya, abokan da kuma abokan ciniki.
• m hadarin kima.

Yau, za mu iya tsayar da wani isasshen rance fayil da kyau quality, wanda shi ne saboda yarda da wadannan dabarun ka'idodin kafa a lokacin da shekaru ta zama ba, "Bank of girma." Credit rating sanya shi da kamfanin dillancin "Kwararre RA" a 2014, an kyautata wa "A +" (sosai high) to "tasowa" Outlook. A cewar Standard & Poor ta kiyasta bankin samu dogon lokaci bashi rating na "B-" da kuma gajere "C" da "barga" forecast. Dukansu hukumomin bayyana game da ingancin da bashi fayil na kungiyar gaskiya ma, la'akari da shi sosai isa. Wannan ya ba da dalilin yi imani da cewa kungiyar ne barga kuma amince ta kudi kamar yadda zai yiwu. Mutane da yawa sa gudunmawar, ko rance yi fitar a cikin KO rassan "Growing Bank". Reviews Masana sun hango ko hasashen wani kwari da ma'ana a gaban kungiyar da kuma karfafa matsayi a cikin kudi ayyuka kasuwar.

Sha'awa, da banki yana ta mazauni mai kyau a cikin yankuna. Saboda haka, reshe na kungiyar "Bank of Ci Gaban" (Rostov-on-Don) lashe farko wuri a cikin gasar da aka gudanar da Garanti Asusun na Rostov yankin. Da ya gudanar a watan Agusta 2013, kuma an hade da arziki na asusun tabbacin kan rance ga kananan da kuma matsakaici-sized kasuwanci. Kiyasta amfani rates, sharuddan da AMINCI daga kungiyoyin kansu. A nasara an yi yarjejeniyar a cikin adadin miliyan 20 rubles, wanda ya karbi "Bank Ci Gaban" (Rostov-on-Don) ga rancen da real kansu.

Bankin sabis

Kamar mafi yawan daga cikin bashi cibiyoyin, bankin offers da abokan ciniki cikakken kewayon misali kudi ayyuka. Na'am "Bank of Ci Gaban" adibas, baka bashin zuwa masu zaman kansu da kuma kamfanoni abokan ciniki, matsakaita da ƙananan kasuwanci, samar da tsabar kudi management da kuma lokacin da ake tsare da sabis, yayi tabbacin, aiki tare da haruffa na bashi, abu albashi da kuma sauran ayyukan. su da cikakken jerin ne quite m. Wasu daga cikin su yi aiki a kan dukan ƙasar mu sararin kasa, wasu takamaiman sabis suna bayar kawai "Growing Bank" -Moscow (misali, hade da interbank lamuntawa).

Mafi ban sha'awa ne yawan adadin yanayi na yawan kudaden da kuma na rance damar. Yana da su su mu zauna.

Gudunmawar:-daban da kuma yanayi

Sauki da kuma saukaka - duk muhimmanci sharudda ga kayayyakin, wanda aka miƙa ta "Bank of girma." Gudunmawar - hujja da wannan. The bashi kungiyar, akwai biyu main iri zuba jari ga masu zaman kansu da abokan ciniki. Yana rates "free girma" da kuma "matsakaicin girma." Bari mu bincika yanayin kowane daga cikinsu.

free

Na farko shi ne a irin jaka zuwa "drip" a kan amfani. Abin da ake nufi? Wannan ajiya da aka bude a kan bukatar, da kuma janyewar ba zai tasiri a amfani kudi. Don sabunta asusun, kazalika da a gudanar da withdrawals, a wani lokaci, a lokacin. A m saura yana gyarawa (10 dubu) da kuma ban sha'awa - high isa ya saka da irin wannan yanayi. Matsakaicin adadin wannan kudi - miliyan 30 rubles, ko daya da dala miliyan (wanda ba ya rage da yiwuwar abokan ciniki). Deposit lokaci - daga watanni uku zuwa shekara guda tare da zabin sabunta kwangilar. Kashi - shi ne dangi da kuma aka ƙaddara dangane da lokaci da kuma adadin saukar da biyan bashin (up 9.2%).

matsakaicin

Idan ba ka shirya karbo kudi a lokacin da lokaci na ajiya, zai zama fa'ida don amfani da taimako "matsakaicin girma." Kamar yadda jadawalin kuɗin fito banki yayi mafi kyau sha'awa rates zuwa ga capitalization. Bugu da ƙari, akwai sharadi gwargwado ga farkon karewa da kwangila. Kamar baya, wannan taimako kuma iya cika up a lokacin da inganci lokaci. Amma ga sha'awa da suka isa 10.5% a rubles da kuma 4.5% a cikin kudin kasashen waje. Akwai kuma bambanci a cikin adadi da kuma lokaci. Saboda haka, m taimako ƙananan a 3000 rubles, da kuma taimako lokacin da aka mika daga wata daya zuwa shekara uku.

The site yana da wani m kalkuleta banki, inda kowa da kowa zai iya yin lissafi da kashi na ajiya, dangane da shirya adadin da lokaci. Bugu da kari, bankin ajiyar an bayar da dama ga mutum da kuma fifiko sabis. A farko da aka bayar da zuba jari da Naira Miliyan Xari 4.5 miliyan rubles da ya hada da yanayi na musamman domin da sabis na bankin, wani sirri sarrafa, VIP ofisoshin da sauransu. Na biyu - a lokacin da taimako a cikin adadin miliyan 1.5 rubles. A lokuta biyu, da abokin ciniki samun mai yawa na kyau sosai amfanin.

Loans: tsabar kudi

Private abokan ciniki "Bank Ci Gaban" na samar da rance a wani sosai babban Jimlar - har zuwa miliyan biyu da rubles. Dalilan don en rance ne a nan kafa ta ma'aikata na kungiyar da kuma za a iya bayyana, a hudu kalmomi:

• gaskiya - babu wani boye kudade.
• m - sosai low amfani rates.
• da sauri - a request na wata shawarar za a dauka a cikin kwana biyu.
• kawai - wani kunshin takardun da aka kiyaye zuwa m (da ake bukata kawai a fasfo).

A abin da yanayi iya sa ran m bashi da banki? Kamar yadda aka ambata a sama, da matsakaicin matsayin aro adadin ne biyu da miliyan rubles, da ƙaramar - 30 dubu. Wannan kudi za a iya dauka don har zuwa shekaru biyar (ko biya da wata shida). Yana yiwuwa a farkon biya ba tare da wani hani. The mafi ban sha'awa - da yawan. Yana za a iya shigar a wata kudi na 17%, wanda shi ne m fiye da na kama kayayyakin a wasu bankuna. Annuity biya, da kuma kwanan watan aiwatar ka zabi da kanka.

Tare da sharuddan gane. Yanzu muna bukatar mu fahimci yadda bankin gani ta borrower. misali bukatun - shekaru 20 zuwa shekaru 65, da samuwan aikin kwarewa na akalla watanni uku, zai fi dacewa declarative hujja na samun kudin shiga (shi qara chances na bashi amincewa da samun wani mafi girma adadin na aro).

auto Loans

An baya version of bashi ga wadanda suka shirya amfani da kudi domin na sirri ko na iyali dalilai, kamar don tafiya zuwa teku, ko a gyara. Idan ka mafarki ne wani sabon mota, shi ne mafi kyau don amfani na musamman samfurin. Motar rance ne m, yi wa ado a "Growing Bank"? Reviews na masu motoci, don amfani da wannan sabis, bayyana a sosai mai haske yanayi na arzikinta. Da fari dai, wannan shi ne mafi kankanta kunshin na takardu (da ake bukata kawai a fasfo da kuma aikace-aikace form) da kuma damar da za su yi aikace-aikace ba tare da wata ziyara zuwa banki. Na biyu, low-sha'awa - daga 8.9% a cikin rashi na sauran kudade. The adadin ga wanda ka iya sa ran zuwa miliyan 10 rubles, kuma ajalin da aka mika wa 7 shekaru! A wannan yanayin, shawara na aikace-aikace yana ba fiye da sa'o'i biyu, ko fiye da kusa da coveted sayan borrower.

Domin ya wadãtar da wani rance, kana bukatar ka shirya sirri inshora (a sassa uku), da Rasha dan kasa, kuma har zuwa shekaru 55 da shekaru. Domin wannan samfurin za a iya saya kasuwanci motocin da musamman kayan aiki.

araha jinginar gidaje

Yau, akwai da dama da ban sha'awa shirye-shirye domin sayan gidaje, wanda yayi wani "girma na banki." Jinginar gida, ado a cikin bashi ma'aikata, da wadannan sharudda:

• saukaka.
• amfani.
• sauki.

Bashi suka shirya saya wani Apartment a jinginar gida na iya zama m ga kudi na 8.5% annum. A daidai wannan gidaje a sabon gine-gine bayar 100% kashi-kashi yin saukar da biyan bashin. Kamar yadda irin wannan, shi da damar amfani da na haihuwa babban birnin kasar. A "Growing Bank" bashi ana kiran su zuwa shiga a cikin wani shirin na jihar goyon baya, daga gare su - "Young masu bincike", "Soja jinginar gida" da sauransu. Shi ne kuma zai yiwu ya dauki jinginar gida a kan AHML shirye-shirye. Duk wani fatauci idan abokin ciniki dama da za a tare da wani sirri jinginar gida sarrafa.

Amfani da musamman kalkuleta a kan website na banki, shi ne mai sauki yin lissafi da gaba kimanta halin kaka hade da rance aiki, kazalika da koyi da kimanin wata-wata biya dangane da lokaci da kuma adadin aro. A matsayin misali, a matsayin aro na daya daga cikin mafi mashahuri shirye-shirye - "sake sayarwa". Lokacin da saya farashi na 4 da miliyan rubles, da kuma wani na farko biyan 30% na adadin aro kudi adadin zuwa miliyan 2.8 rubles. Mun shiga cikin kalkuleta da bayanai, kazalika da wata-wata babban kudin iyali - misali, 80 dubu rubles. Idan ka gabatar da wani jinginar gida domin shekaru 20, da kudi zai kasance 13.35%, da kuma wata-wata biyan bashin - 33,5 dubu. Idan muka yi amfani da a wannan yanayin, jihar shirin AHML, da jinginar gida sha'awa kudi za ta rage zuwa 11,85%, da kuma biyan an rage zuwa 30 500. Canza asali bayanai, za a iya zabar wa kansu da mafi dace bashi sharuddan.

Katunan bashi: Features

Wanne banki a yanzu dispenses tare da roba katunan? Abu ne mai wuya irin wanzu. "A ci gaba da bankin 'kuma na da sha'awa aukuwa a wannan sashi. Zare kudi cards suna bayar, saboda da ra'ayin mazan jiya da manufofin na banki. Duk da haka, suna da wasu ban sha'awa abũbuwan amfãni. Saboda haka, ma'auni na kudi a kan katin za ka ƙara amfani a wani kudi na 2-4% na wata-wata. Biya ta iya zama a ko'ina, a duniya, da kuma hira da kudi za'ayi da mafi m hanya - a cikin kudi na biya tsarin.

Cards suna samuwa a cikin daban-daban Categories - daga Electron zuwa a kalla a CD da kuma Infinite, suna mai salo, amma kuma samar da dama ga rangwamen a kan mota rentals da kuma hotel reservations (a cikin tsarin na musamman tsarin na gata). Da taimakon su ba za ka iya yin sayayya a kan internet, biya domin wayoyin salula da ayyukan sadarwa, Internet masu samar da sabis, talabijin da sauransu. Credit kungiyar "Growing Bank" ATMs yana gaban a duk birane. Haka kuma, ya janye tsabar kudi daga "fifikon" Commission (0.8%) ne yiwu ta hanyar AVM banki "UralSib".

Amfani bayanai ga abokan ciniki

Don kwanan, "A ci gaba da bankin" yana da rassan a 74 biranen Rasha, amma ya ci gaba da rayayye gina wani cibiyar sadarwa na rassan da kuma ofisoshin a cikin yankuna. Samun gwani shawara da kuma zama abokin ciniki na bashi ma'aikata ne a Rasha jama'a da ke zaune a wani yankin.

Don samun cikakken bayani game da bankin kayayyakin, da ayyuka da kuma kudi ayyuka, akwai wani shiri "Growing Bank 'official website, wanda aka located a www.rostbank.ru. Ya zo a cikin wani sumul, zamani zane amma har muhimmanci daban-daban daga cikin albarkatun da sauran bashi cibiyoyin. Ga za ka iya samun bayanai game da banki: bayani game da tarihin da aka kafa ta da kuma aiki, duba ratings na daban-daban hukumomin, kudi bayanai, koyi game da bankin kayayyakin da yanayi na arziki, amfani calculators adibas da rance, da kuma samu wasu bayanai game da JSC "Bank Girmancin "(bayanai na sirri, da lambobi, abokan, da sauransu.). Har ila yau, a kan site na wani bashi ma'aikata a saman hagu kusurwa akwai wani mahada zuwa ga Internet Bank ( "Kiberbank"), ta hanyar abin da za ka iya shiga zuwa ga keɓaɓɓen account duba account ko yin wani kudi ma'amaloli.

Domin gudanar da tattaunawa tare da kwararru KO "Growing Bank" tarho yawan samu a cikin mafi shahararren wuri a saman shafin. Hotline for free kira - 8 (800) 250-88-88, ga hadin kai da kuma tayi samuwa Email - post@rostbank.ru. City wuri na babban ofishin na kamfanin "Ci Gaban Bank" - Moscow. Duk a cikin Moscow yankin su goma sha uku - daya tsakiya da kuma goma sha biyu more. A cikin website na "The girma na Bank 'ofishin adireshin a yankinka za a iya samu ta zuwa saman kusurwar dama na Game Locality da kuma bude shafin" Contact ". Ga za ka iya samun gida lamba na reshe na bankin. A tsakiyar ofishin aka located in Moscow a kan Stanislavsky Street 4/1.

Neman daga waje abokan ciniki

Hakika, kowane banki, yana da m abokan ciniki da kuma m fiye da da. A lokacin da, mutane na rating na KO "Growing Bank" ne 50,4% daga 100%. Wannan shi ne haƙĩƙa, ba da mafi kyau nuna alama, amma kuma mai kyau. Bisa 28 sake dubawa kuma ratings 13 banki a yau aka ranked 17th daga 225 (bisa banki.ru site)! Wannan shi ne wani m halin da ake ciki kuma yayi magana akan wani sosai nasara aiki na bashi ma'aikata, m sabis kwararru da kuma babban matakin da sabis.

Don kamar tunanin fiye da gamsu, da kuma cewa banki ta abokan ciniki sun koka, ga wasu daga cikin reviews bar ta su. A birane da yawa (Kazan, Vladimir, Nizhny Novgorod da sauransu.) Baƙi lura da wani m yanayi a cikin dakin, m sabis da amfani wajen warware matsalolin da masana. Amma daya abokin ciniki KO "Bank Ci Gaban" (Rostov-on-Don), a nemi taimako a nan, ya ce cewa yanayi na adibas ne daga cikin mafi kyau a cikin birni, da ma'aikatan m da sosai m, nice ofishin. The kawai drawback, abinda ya kawo cikas ga abokan ciniki - a daya kawai reshe, da kuma a general, duk na banki kamar. Tare da wannan ra'ayi yarda da sauran abokan ciniki na banki, wanda kuma lura da m amfani rates a kan basussuka. Amma wani mazaunin St. Petersburg, ci gaba depositor KO "Bank Ci Gaban" (St. Petersburg), sha'awar da rashin queues, sabanin sauran rassan bashi cibiyoyin. Yana samar da kyau sakamako, kuma ya taimaka sosai ma'aikatan (kujera tayin ga wani dadi sadarwa, da bayyana kome a cikin daki-daki da kuma hakuri, bude shigar da sauri, kuma ko da a kyauta wofi).

Hakika akwai korau reviews. Wasu daga cikin su unsa da amfani da ATMs untimely Ana ɗaukaka bayanai a kan website (wanda wani lokacin take kaiwa zuwa m discomfiture), fasaha matsaloli da malevolence na mutum ma'aikata. A general, akwai da yawa da za a inganta, da kuma wasu shortcomings a cikin aikin ya kamata a shafe, amma a general, da banki ne da za a yaba. Babban abu a yanzu - to rike su ƙasa a wani babban matakin da kuma kokarin karfafa su.

ƙarshe

Yau muna saba da kadan-sani a fadi da'irori na bashi ma'aikata "Growing Bank". Reviews na da abokan ciniki cancanci kula da su da kuma yi amfani da bankin sabis. Its main abũbuwan amfãni ne moderately ra'ayin mazan jiya siyasa a game da rance da kuma mayar da hankali a kan gamsuwa da matsakaicin amfani ga abokan ciniki 'amfane shi. Mutane da yawa waɗanda suka yi amfani da sabis na bankin, ce kyawawan kyau bashi yanayi da kuma high rates a kan adibas. Bugu da kari, sau da yawa a cikin abokin ciniki feedback Notes sandarka. "Bank Ci Gaban" kamar yadda wani m da kuma tausasawa da kwararru, da kuma a gaskiya su ne fuska da wani shiri. Saboda babu wanda conservatism a cikin aikin, da bankin ya kafa kansa a matsayin abin dogara da kuma barga bashi kungiyar, wanda ina son yin aiki na dogon lokaci. Af, "A ci gaba da bankin" kusan ba ta tallata kanta, kuma mafi kyau tushen bayanai game da shi shi ne maganar bakinka.