Inishuwarenzi yeMortoge ndeyekutanga kweMabhangi Kuburitsa Chikwereti: Mhedziso yechibvumirano uye nguva yekuita kwayo, mhando uye mutengo weinishuwarenzi.
Kuwana chikwereti chemogeji, kune vakawanda vagari venyika yedu, nzira chete yekugadzirisa matambudziko avo ekugara. Asi kupa iyi chikwereti chenguva refu, bhangi rechikwereti rinofanira kuva nechokwadi chekuti vanokwereta vachakwanisa kuripa nenzira yakakodzera. Izvo ndezve izvi mhando dzakasiyana-siyana dzezvikwereti zvakagadzirwa, imwe yeinishuwarenzi.
Chikwereti chekutenga kwefurati kana pamba ndicho chikwereti chenguva refu, chakaburitswa kazhinji kwemakore 10-20. Akaki kuve bhanga, kana panguva ino munhu acharwara zvakanyanya, acharemara kana kazhinji, Mwari anorambidza, kufa? Kana kuti imba ikapimbiswa? Kana kuti mubayiro wedzinza, izvo zvaiita kunge uri unokwereta uye muchivimbiso webhangi, zvichachinjira kune mumwe wevaridzi vekare nesarudzo yematare?
Bankers vanopindura kumibvunzo yakadai yakaenzana: iwe unofanirwa kuponesa njodzi idzi dzese idzi. ITHAK nzira inochinja matambudziko anogona kumuka panguva yechibvumirano chechikwereti, pamapfudzi emakambani einishuwarenzi. Iye anokwereta iye amene uye anokwereta iye amene uye anokwereta anofarira kutenga hupenyu hwavo nehutano. Kana chiitiko cheinishuwarenzi chinoitika, iyo inishuwarenzi iyo inobhadhara chiyero cheChikwereti chechikwereti kubhengi, chichabhadhara kurasikirwa nekufa kwakazara kana kukuvadza kune zvivakwa uye zvicharatidza zvido zvemunhu mudare. Wese munhu akafunga zvekutora chikwereti chemari anofanira kunzwisisa kudiwa kweinishuwarenzi (nekuti kana zvikasadaro hakuzove nemari!) Uye gadzirira kupa ruzivo rwakakwana nezvehutano hwako uye dzimba dzakasarudzwa. Mazhinji masisitiri echikwereti anoda kuchengetedza hupenyu nehutano hwevakwereta, akawana nzvimbo isingazivikanwe, pamwe nenjodzi yekurasikirwa kwereveri. Baba, vanomiririra imwe neimwe yemhando dzakanyorwa dzeinishuwarenzi, sezvaunoda kubhadhara inishuwarenzi uye nei, isu tinoda kuudza mubhuku rino.
Yakazara Service
Imwe yemamiriro ezvinhu ekumanikidzirwa kuti gadziriro yechikwereti chemari mumabhangi mazhinji, chivakwa uye chinyorwa cheishuwarenzi. Chimbofunga nezvematongerwo pamusika wechipiri, chibvumirano cheInsangano yechipiri chinoburitswa, chinosanganisira hupenyu nehutano hwevakwereta, dzimba dzekugara neyakawana (iyo inonzi zita). Kuwana chikwereti chekutenga dzimba pasi pesimba rekutanga, iwe uchafanira kunzvenga hupenyu hwedu nehutano, nekuti pfuma yacho haipo, hapana muridzi wazvo. Chirevo cheimba yeimba yeHurumende uye dhizaini yemuridzi wefurati ichafanirwa kuronga inishuwarenzi yeiyo yawanikwa yechokwadi estate.Chibvumirano cheMorsia Inishuwarenzi iri pakati peinishuwarenzi kambani (Insurer) uye vashandi vepanyama (inishuwarenzi) vanofarira wechitatu (mubatsiri), ndeipi basa iro bhanga. Nei zviitwa zvakadaro, uye kwete neimwe nzira? Bhangi rinokupa mari yake, uye pachinzvimbo, inowana, kutaura nehasha, dhiraivhi kana rimwe gwaro rinosimbisa kuti dzimba dzakatengwa uri muchivimbiso chake. Kana chimwe chinhu chikaitika nenyaya yechipiriso (furati, imba) kana neanokwereta iye amene, bhanga rinofanira kudzosa mari yayo. Kuzvimiririra kwaari kambani yeinishuwarenzi.
Mabhangi uye makambani einishuwarenzi anopinda mukubatana nemumwe. Kazhinji inishuwarenzi (kana kuti panzvimbo pazvo, zvirongwa zveinishuwarenzi zvechidzitiro zviri kurongeka mumabhangi akasiyana siyana. Vitoga Borrower mushure mekucherechedzwa kwemhedzisiro yekuwana chikwereti chechikwereti muiyi bhangi chinogamuchira runyorwa rwemakambani einishuwarenzi mairi anogona kufadza. "Anokwereta haagoni kugumisa chibvumirano cheinishuwarenzi nekambani haana kubvumirana nebhengi," anovandudzwa kweChiratidzo cheClock manege. "Ichi chinhu chinodiwa". "Ichi chinodiwa chinoratidzwa ne Iko kudiwa kwekugadzirisa mitemo yemhando uye makambani einishuwarenzi inishuwarenzi. Kune zvinhu zvekutengeserana kwechikwereti mubhangi rakati. "
Mhedzisiro ye "International Moscow Bank" inoshanda nemakambani engosstrakh uye rosno. Vakabatana muchirongwa cheMortoge "Raiffeisenbank Austria" ndeche "Renaissance Brug", "Ingosstrakh", "Progrant-Garant Aig russia" uye "kambani yeuto". DeltAcredit Bank inobatana nemasangano akafanana (kunze kweiyo gadziriso yekufambira mberi) pamwe ne "Aig Inishuwarenzi uye yekuvandudza kambani" uye "alfares". GazvPromk mukwikwidzi muboka reSogaz, "guta reguta" - rosgosstrakh. "Vnestorgank" Nhasi inoshanda neIgosstrakh uye "kambani yeMauto Inishuwarenzi" uye zvirongwa zvekuwedzera zvakanyanya rondedzero yevakabatana navo munguva pfupi iri kuuya.
ZVINOFANIRA MABHUKU KUTI ISANGANO YEMAHARA YEMADZIMAI VANOFANIRA ZVIMWE ZVAKAWANDA. Hapana kuedza kugumisa zvibvumirano zveinishuwarenzi. "Izwi reinishuwarenzi rinofanira kunge risina kupfupika pane nguva yechikwereti," anodaro Igor Sadavsky, Sachigaro webhodhi reDeltAcrediting Bank. "Munenge zana muzana ematare, chibvumirano cheinishuwarenzi ndiyo nguva yese yechikwereti," inoenderera mberi Sergey Lesnikov, mutevedzeri wemusoro wechiitiko cheboka rakakosha reboka reAlfactory. "Izvi zvinobvisa mutengi kubva kune zvinodiwa " "Semutemo, mutengi anosarudza kubhadhara kwegore, - anowedzera mulerry ermakov, musoro wedhipatimendi reInishuwarenzi yeSogaz." Nekudaro, chirongwa chedu cheinishuwarenzi chinokutendera kuti ubhadhare mipiro senguva imwechete uye zvikamu: Gore rega rega, kamwedzi mumwedzi mitanhatu, pamwedzi, pamwedzi. "Imwe pfungwa yekuona yakanamatira kuAlexander Khoshenko, muteo weDhipatimendi rebasa nevanhu vepanyama": "Zvinoenderana nezvinodiwa zvebhangi redu , Inishuwarenzi inokweverwa kwegore rimwe. Sezvo musika unokura, nemusika wacho unoderedza. Nekuda kweizvozvo, kana iwe wapedza mutengo weinishuwarenzi, mushure memakore mashoma mari yako inoderera. Watove, mainishuwarenzi Govera anotaridzika kwazvo mitengo yemakore anotevera, kunyanya kana paine zvaisave nezvimwe zviitiko zvinoshandiswa. "
Muchiitiko chekutanga, panguva yekuchikwereti, iye anokwereta gore rimwe nerimwe anopa mari yakaenzana. Maererano neChipiri, zvese zviri kuitika: Iyo inishuwarenzi premium yegore rekutanga rechikwereti rakabhadharwa zvakakwana. Mushure memwedzi gumi nemaviri, inogadzira madiki madiki, nekuti saizi yeinishuwarenzi premium mune ino yakagadziridzwa gore rega rega uye inoverengwa sechigadzirwa chechikwereti chechikwereti uye neinishuwarenzi mune iyi mhando yeinishuwarenzi yeinishuwarenzi iyi yeinishuwarenzi. Zvishoma nezvishoma, mainishuwarenzi mari inoderera. Aesli Borrower inodzosera chikwereti chakakurumidza, iyo yekupedzisira huwandu hweinishuwarenzi mari inoderedzwa kana nekukurumidza.
Vaverengi vazhinji vemitemo yemagazini inodhura mari yekuwana chikwereti chemogeji chingaratidzika kunge chakafanotaura. Maitiro Ekururamisa Kuda kwavo?
Nikolay Shitov, Sachigaro weBhodi re "Guta Romoka Rokurova": "Inishuwarenzi inoitirwa kuderedza njodzi uye, kutanga pane zvese, mune zvinofarirwa neanokwereta. Ehe, iwe unofanirwa kutarisira kuti zvakanakisa, asi gadzirira zvakanyanyisa. Panguva yekuitika kwechiitiko chechinzvimbo (semuenzaniso, mumoto mune furati kana kukuvara kwehutano, izvo zvakaremara), kambani inishuwarenzi inodzorera chikwereti chebhangi, uye imba yacho inoramba iripo neanokwereta. "
Igor Sadavsky, Sachigaro weBhodi reBank DeltAcredit: "Bhangi redu semumwe murume akakomba anotsvaga kururamisa miti kana achishanda nemakambani einishuwarenzi. Iyo mutero mutemo wakasimbiswa nechibvumirano navo zvinopa iyo shoma mwero wemitero. Iyo yakabatanidzwa yeinishuwarenzi rate iri paavhareji 0,8-1% yekwereti mari uye zvinoenderana nezera uye murume kana murume anokwereta, iyo yehutano hweinishuwarenzi uye njodzi yekuvhara. Kana zviri zvekuda kweinishuwarenzi, ndinokahadzika kuti munhu aifanira kutarisana nechiitiko cheinishuwarenzi, akademba mari yaakapa inishuwarenzi. "
Maria Serov, musoro weDhipatimendi rekushambadzira uye kukudziridza kwezvigadzirwa zvechikwereti zvechikwereti uye mutengi kukweretesa "vnestorgank": "Muenzaniso wehunhu hwekushandiswa kweinishuwarenzi yemari mukuita chiitiko cheinishuwarenzi pasi penyaya yeinishuwarenzi yekurasikirwa nekutadza kwefurati. Nguva dzose kukuvara kwefurati, semuenzaniso, semhedzisiro ye moto, kambani yeinishuwarenzi ichafukidza mari yekukwereta kuti adzorere chinhu chivakwa; kana kukuvara kwacho kusingacheki hakusi kukohwa, kuwanda kweinishuwarenzi, pane zvishoma, zvakaringana kudzorera Bank kubhadhara chikwereti chechikwereti chasara. "
Alexey AkSenenov, musoro weDhipatimendi reRetail Zvigadzirwa uye mabasa eInternational Moscow Bank: "Semutemo, chiitiko chakakomberedzwa neinishuwarenzi chinenge 1.5% yemari yechikwereti pagore. Asi usingadei mari iyi, nekuti vese vatori vechikamu vari kufarira inishuwarenzi. Pamberi, mutsara, kuitira kuti udzivise nhamba ye Njodzi, kusanganisira njodzi yekurasikirwa kwemutemo. Pfuma.
Alexander Kvoshenko, nhengo yebhodhi, musoro weDhipatimendi rebasa nevaridzi vepanyama "Raifffeisbank Austria": "Kuchikwereti kuchikweretesa muRussia kuchiri mumucheche, uye mwero weinishuwarenzi anoda kuonekwa sewakapihwa. Kururamisa huwandu hwakakwira kumutengi uye pane chero chishuwo kana kukosha kwekutenga zvivakwa. Kupfuura zvese, kana mutengi asingakwanise kushandira chikwereti kana mamiriro chaiwo, mubvunzo hauitike zvachose.
Chiitiko chedu muRussia chinoratidza kuti kufunga kwekuti kuwedzera kwemutengo wechikwereti kunoitika nekuda kwemutengo weinishuwarenzi, ndeye mweya. Kwemakore maviri kana matatu apfuura, mutengo wezvivakwa wakakura pane dzimwe nguva. Chikwereti chakawanikwa chichemo chemakore akati wandei makore akati wandei apfuura usazvidemba zvachose, uye iyo yepamusoro 2% yemutengo weinishuwarenzi inoita seyakawana idiki. "
Hupenyu nehutano
Nhanho yekutanga kusvika kumhedziso ye chero chibvumirano cheinishuwarenzi iri kuzadza iyo mibvunzo (inogona kunzi zvakare chirevo, iyo iyo mubvunzo). Kana iri yeinishuwarenzi yehupenyu nehutano, ine mibvunzo inobvumidza iyo Inishuwarenzi kuongorora iyo Dhigirii yengozi uye shandisa imwe kana imwe mutero. Denderedzwa reaya nyaya ndezvimwewo mumakambani ese einishuwarenzi, chete mazwi uye kurongeka kwekuferefetwa kusiyana. Mibvunzo inoenderana nezvinhu zvese zvekurapa zvakananga uye mararamiro eanokwereta-muridzi wemurambi: Kukura kwayo kurema (kusanganisira tsika dzakapedzisira), kusvuta uye kuvapo kweiyo neoplasms (yakaipa uye inokuvadza uye Benign tumors), hosha dzechirwere, kugaya, urogenital uye maToculine masisitimu, itsvo, nzira dzekufema, maonero, masaloskeletal system, kutaura kwepfungwa kunonetsa. Boka rakaparadzana renyaya dzakazvipira kune dzimwe njodzi, izvo, makirasi ndeimwe yemitambo yakanyanya: Kuenda kuScuba, Auto kana Wordling, Martial Arts It.d. Huwandu hwenyaya hunogona kusvika 35 (!). Inesl kanokwana mumwe wavo iwe unopindura zvakanaka, iwe uchafanirwa kutsanangura ruzivo uye tsanangura zvese zvakadzama ...
Zvichienderana neruzivo rwakataurwa mumubvunzo mubvunzo, kambani inoitisa bvunzo pre-nyanzvi, uye kana kusava nechokwadi kuoneka, inishuwo-inishuwarenzi inogona kutumirwa kune chekurapa bvunzo, uye mune zviitiko zvisingawanzo, zvakajairika, kuramba inishuwarenzi. Zvichienderana nezera uye hutano mamiriro, chiyero chepamusoro kana chakaderera chinozoiswa kune munhu. Masango einishuwarenzi mari dzinogona kuve maviri, uye dzimwe nguva katatu. Semuenzaniso, neyakaenzana chikwereti mari yemadhora zviuru makumi mashanu, hupenyu nehutano hwepakakwereta mari inosvika pamadhora makumi masere kusvika pamakore makumi matatu, uye zera ramakore 51-60 kusvika pamadhora mazana mashanu pagore. Mari yakakwana yeiyo yakasanganiswa mutemo zvinoenderana nezviratidzo izvi.
Ruzivo rwese mumubvunzo ruchanzi chikamu cheinishuwarenzi chibvumirano. Inesley inishuwarenzi inovanda kubva muInterurer (semuenzaniso, kuvapo kwechirwere chakakomba), zvinongoita kuti zviite zvakakomba, nekuti chiitiko chinishuwarenzi chinoitika, kambani ichakwanisa kuramba mutengi mukubhadhara kwemubhadharo .
Musha
Mabhangi ese anoburitsa zvikwereti zvekumiraira zvinoda kuchengeta dzimba dzakatengwa. Tiri kutaura nezve zvinhu zvekugadzira zveimba kana imba: kutakura uye kusingafadzi madziro, pasi, zvibvumirano, kupopota, masuo emagetsi, magonhi nemahwindo. Kushongedza kwemukati kungave kuri kushanyirwa nechibvumirano chekuwedzera, uyo anowana pane izvo haazove bhanga, asi kuzvisimbisa pachako. "Paunenge uchitenga imba mumusika wechipiri, chinhu cheinishuwarenzi hachina kujairika," anodaro Mikhail drozhkin, mukuru wedhipatimendi wezvemapurogiramu emabhangi uye anobvumirana ". Asi kana ichiita kuti ive rubatso rwebhangi Mumusika weimba (kana iye anokwereta asiri iye anogona kubhadhara pane chikwereti) hapana munhu anofunga kuti kupedzisa kwemukati. Kukosha kunomiririra imba chete, iyo nharaunda yayo, nzvimbo yeThe.P ..Kubva pane ino njodzi insitate yezvinhu chii? Rondedzero yavo mumakambani akasiyana ndezvimwewo: Moto, njodzi dzinongoitika dzoga, kusanganisira gasi), zviito zvisiri pamutemo zvezvikamu zvechitatu, bay (kukuvadzwa kune mvura nemvura), kudonha kwendege uye zvikamu zvavo. Kana uchifunga iyo Inishuwarenzi Inishuwarenzi Tariff, inowedzera uye inodzikisa coefficients inogona kuiswa, iyo inozopedzisira yanganisa saizi yekupedzisira yeinishuwarenzi (mupiro). Iyo mutero ichave yakakwirira kana, ichiti, imba yakatengwa iri mumba ine huni kana yakavhenganiswa, muchivakwa chekare, pane iyo sauna, imba yacho yakagadziriswa. Uye, maererano, pazasi, kana dzimba dzakashongedzwa nemoto wemoto, musuwo wesimbi weMalet, Cerebral windows, chibvumirano chine ushumiri hwezvirevo zvemukati mavo. unopedzwa. Nhamba yepamusoro nezve inishuwarenzi yezvivakwa inogona kuwanikwa muchinyorwa "imba yandaida".
Ko kambani yeinishuwarenzi ingare kuramba kuyisimbisa hupenyu, zvivakwa uye zita, kana aine kusahadzika nezveimwe yemhando dzeinishuwarenzi?
Sergey Lesnikov, Mutevedzeri Musoro weHofisi Yekushandisa Kwemapurojekiti akakosha eboka reAlfactory: "Unogona. Panguva imwe chete, kune chokwadi. Kana, kana uchiongorora njodzi yeinishuwarenzi yehupenyu, pane zvikonzero zvekuti njodzi yechiitiko chechinzvimbo chakakwira kupfuura avhareji, asi iri mukati meganhu inogamuchirwa, saka izvi zvinobhadharwa neyakawedzerwa. Kana, mushure mekutarisa kuchena kwepamutemo kwefurati, kunozoitika kuti njodzi yekurasikirwa kwerudzi irwo, icharamba ichisimbisa kuwanikwa kwakadaro. "
Yana Klein, musoro weRosno Roorgige Inishuwarenzi Project: "Kuramba kunogoneka chete mushure mekuongororwa kwenyasha kune vashandisi veinishuwarenzi. Semuenzaniso, zvinokwanisika kutadza kana zvichikwanisika kudzikisira hupenyu uye kugona kwehupenyu uye kugona kushanda, kudzikamisa Njodzi kana kuwedzera kweiyo coefficient, iyo Insurter isingazozivi kubhengi nemutengi
Dmitry maslov, mutungamiri wemutungamiri wenhevedzano, musoro wenyaya yeinishuwarenzi yezvivakwa zvekambani inobata rosgosstrakh kambani: "Mukuumbwa kwechinhu chakazara chemuchimbo chevakadzi, underwriting zvinopa kuongororwa kwehutano hwechirongwa chingavepo, mamiriro ebasa rayo uye nhoroondo yeiyo chivimbo - chinyorwa chechisungo."
Mikhail Drozhin, Chief Specialist webhangi uye mongororo yeinishuwarenzi dhipatimendi reKambani "kubvuma": "Pamwe kana paine zvikonzero zvakakwana zvekuti tidavire izvozvo, semuenzaniso, hupenyu hweanokweretesa pamwero wakakwira wekuti njodzi. Kana, semuenzaniso, pane basa rekuvaka padyo neimba iyo imba inotengwa. Uye kuramba kwekusimbisa hakunzwi hwekuzeza kwekunhuwira hupenyu nehutano. Chinyorwa chingangoita chingangotariswa. Eheka, zviitiko zvakadaro, zvakadai zvisingawanzoitika. Pakanga pasina mvumo yakadai mumakore matatu apfuura. ".
Zita
Musoro weinishuwarenzi, muridzi weimba yakatengwa, kwete ese mabhangi anodeya. Iwe haufanire kubhadhara mari yekuwedzera yeinishuwarenzi iri muSberbank yeRussia uye mumasangano echikwereti ayo anoburitswa chikwereti pasi pechirongwa cheAhml
Sei uchifanira kusimbisa zita, ndiko kuti, kurasikirwa kwemuridzi wedzimba? "MuRussia yeRussia nzvimbo dzakakodzera kubva kune DeltAcredit Bank. - Wese anoziva kuti pakati pegumi nemapfumbamwe, kutyorwa kwakaitwa mukurovedza muviri kweVagari vezvivakwa, pamwe nemhedziso of transaction, kugamuchirwa uye kunyoreswa kweiyo.dd mienzaniso yakawanda yakaipa yekutyora kwemutemo uye mazuva ano.
Alexander Khoshenko anobva ku "Rifffeisbank" anokwana kupokana kwake achiti: "Pane mukana wekurasikirwa nekodzero yedzimba dzedzimba dzedzimba dzakatorwa nedare, kana iyo yekushambadzira kwechiitiko ichi isingaonekwe nekuda kwechikonzero chero chipi zvacho kana zvimwe zvikonzero. Vanogona kunge vari kusakwana kwevanhu vakatengesa imba, kushomeka kwekutengeserana kwevamwe vanhu vane kodzero yezvinhu izvi, kumwe kutyorwa kweMutemo. " Mafungiro evanoshanda navo anovimbisa Nikolai Shitov kubva ku "Guta Romoka Bank" rinoti: "Isu tinotarisa pane rondedzero yepasi rose, maererano neinishuwarenzi yemusoro wenyaya yacho."
Kunyoresa Inishuwarenzi zita rakatengwa pekugara, inishuwarenzi inokweretesa inofanira kupindura mibvunzo nezvebvunzo yekare uye imba iripo uye nevaridzi vekare uye inopa zvinyorwa zvevanoverengeka zvichisimbisa ruzivo urwu. Kana dzimba dzakatengwa kubva kune yepamutemo sangano, zvinodikanwa kuungana uye kupa ruzivo nezvake.
Inishuwarenzi nyaya, sekutonga, kurasikirwa kweiyo muridzi weinishuwarenzi kune iyo inishuwarenzi yemisangano yakapinda musimba repamutemo, iro rinoderedza muridzi wepamoyo pane izvi zvakakwana kana muchikamu. AB mamwe mainishuwarenzi makambani einishuwarenzi anoti: Kuchengetedza kodzero dzekushandiswa kwevaridzi vehurumende mushure mekunyoreswa kwenzvimbo neNzvimbo yekunyoresa Evhu. Kunyoreswa kwesangano Inishuwarenzi pasina mvumo yemubatsiri (muchikwereti, kureva kuti, bhangi rakaburitsa chikwereti). "Izvi zvinokutendera kuti uderedze njodzi dzakabatana nemumwe mutengesi uye / kana hama dzayo kubva pakunyoreswa mufurati, dzingangodaro dzenhengo dzemhuri dzemuridzi wepamberi pekugara uye kumwe kutyorwa," anodaro Igor Sadovsky kubva kuDeltAcrediting Bank.
Mutengo weinishuwarenzi
Mari yeinishuwarenzi inodhura mune yega yega kesi inoenderana nezvakasiyana zvinhu. "Yakabatanidzwa Inishuwarenzi Inishuwarenzi Yakatopa Yakatemerwa Mitero yakafanana neinishuwarenzi pane imwe nzira, inotsanangura kudaro Valery Ermakov kubva kuSermasi." Mumutero wedu weinishuwarenzi yehupenyu, midziyo yacho haapfuure 1.5% yeiyo inishuwarenzi. Tichava ne gore rimwe nerimwe mupiro weinishuwarenzi kwemakore makumi matatu emurume ari pasi pehuwandu hwechikwereti chemakore makumi mashanu emakore achange ari madhora makumi mana nemashanu, pane hutano hweinishuwarenzi uye hutano hweanokwereta. "(mune iyi nyaya, Chibvumirano cheinishuwarenzi chinogumiswa kwenguva yese yekupa chikwereti, uye tiri kutaura nezvemipiro yakafanana negore.).
Kana iyo mongwe yeinishuwarenzi chibvumirano igore rimwe, uyezve yakawedzera, iyo saizi yeinishuwarenzi kazhinji inenge 1.5% yechikwereti chechikwereti, chakawedzera negumi muzana, pagore (!).). Iyi manhamba icharatidzika sei kune chikwereti chemadhora zviuru makumi mashanu pasi pemakore gumi? Kekutanga, zvichave zvakafanira kubhadhara madhora mazana masere nemakumi masere neshanu, gore rechishanu, mushure memadhora mazana matanhatu nemakumi matanhatu nemashanu, uye mapfumbamwe mashanu, uye anokwereta achidzosera chikwereti panguva. Zvese zvichabhadhara madhora zviuru makumi mana nemashanu pagore. Saka, pasi pemitemo yakasiyana yemhedziso yezvibvumirano, huwandu hwakazara hwekubhadhara kweinishuwarenzi huchave hwakaenzana. Ivo vachasiyana chete muhukuru mumakore akasiyana.
Kukweretesa kwemari hakusi kwechokwadi. Kunyangwe iyo wizard yezvikamu zvakasiyana zvinogona kudzoserwa zvakare uye zvakare. Im 'ichanyatsoenderera nekukurukurirana mune imwe yeiyo nhamba yepedyo magazini.
Vapepeti ngaavongwe "Vneshtorgbank", "International Moscow Bank", "Raiffeisenbank Austria", Bank Deltacredit, "City Mortgage Bank", makambani inishuwarenzi "Rosgosstrakh", "Alfastrak", "Sogaz", "Rosno", "Usatenda" nokubatsira Kugadzirira kwezvinyorwa.