"Horumarka Bankiga": dib u eegista. Amaahda, lacag dhigaal ah, laamo

Our dalka ayaa tirada weyn ee bangiyada - labadaba aad u ballaaran iyo aad u yar, yar-yaqaan. Si kastaba ha ahaatee, qiimaha ma aha had iyo jeer tilmaame of tayo wanaagsan oo adeeg, dalab tartan iyo shuruudaha, in kastoo kama saarayso suurogalka noocan oo kale ah. Dad badan, marka la go'aaminayo on doorashada ee hay'ad credit a, maamulaa ay "magaca", in la og yahay. Si kastaba ha ahaatee, tani ma aha sida ugu fiican. Ka hor inta aadan macaamilka ah bangiga ka noqoto, waa in aad si taxaddar leh baaris oo dhan Gudigga ee la shaqeeyo, in la ogaado rating ah, akhri dib u eegista kuwa loo isticmaalo adeegyada ay. In this article, waxaan kuu soo jeedinaynaa inaad barato ururka "Kobaca Bank". Reviews, ratings, marka la eego daymaha iyo lacag dhigaal ah, iyo sidoo kale macluumaad kale oo muhiim ah in aad qof macmiil ah oo ka iman kara, in la soo jeediyey doonaa iyo qiimeyn in ay ku soo gudbinta. Sidaas darteed, waxaan bilaabi si aad u xeel dheer.

On bangiga, taariikhda

OJSC "Bank of Growth" keentaa sheekada oo ka mid ah laba bangiyada, kaas oo loo sameeyay by isku urur credit cusub oo la magac isku mid ah. Markii hore, waxaa jiray bangi "Kazan", kaasoo ka hawl suuqa tan iyo 1994. Taasi waa marka ay kaalin koowaad iyo abuuray kala ah bangiyada tafaariiqda la furay. At furitaanka ee caasimada idman ee shirkadda waxa ay kaliya 100 kun rubles, iyo in maalinta goysiga ayaa go'an at 1,675 bilyan rubles.

Muddo sanado ah, bangiga ayaa waxaa loo beddelaa shirkada wadajir ah stock had iyo horumariyo, sii kordhaya hantideeda, balaariyay network laamaha iyo xafiisyada ee dalka oo dhan. Waxa uu la wareegay doorka "waalid koriya", lifaaqaaya si wadajir ah-stock bangiga "Kobaca" ee June 2013, kaas oo wakhtigaas ayaa oggolaaday caasimada xaddiga 2.375 billion rubles oo 30 billion rubles hantida. Dhacdadani waxa uu noqday mid aad u muhiim ah in nolosha dhaqaale ee dalka - waxaa la sameeyay runtii awood badan, xasilooni ugu weyn oo ka mid ah hay'adaha credit la shabakad laan ballaadhan iyo waxqabadka dhaqaalaha cajiib ah.

Bank maanta

hay'ad Credit "Bank Growth" shaqeeya hoos liisanka guud ee Bank of Russia dhulka oo dhan oo dalka la meesha uu xafiiska madaxa ee Moscow ka. Its feature kala waa istaraatijiyad macquul ah muxaafidka ah ee la xidhiidha shaqada kaliya ee dhaqaalaha dhabta ah iyo isha ugu muhiimsan ee dakhliga ayaa oo weli u aqoonsashada ee shirkadaha ganacsiga, iyo sidoo kale adeegyada. Iyadoo ku biirto dhawaan magaalada iyo hantida Bankiga korodhka fursadaha ay maalgelin iyo deyn bixinta. Sida laga soo xigtay war ah ururka credit of miraheeda ugu weyn ay tahay danaha iyo baahiyaha macaamiisha, iyo dhammaan xiriirka ku salaysan yihiin iskaashiga mudada dheer. Faa'iidada A weyn, oo waa kibirka isku halaynta, la xaqiijiyay sanadihii la soo dhaafay.

-faa'iideystayaasha ugu weyn ee bangiga hadda taagan Elena Vlasova (xitaa sanadkii 2012 waxaa helay bulk of saamiyada "Kazan"), taas oo uu leeyahay qiyaastii 50.5% saamiyada. Inta kale ee qayb ka mid ah la taaban karo ee uu gacmihiisa ku afarta saamileyda kale - Anatoliya Zolotyh iyo Valentina Aleksashin (qiyaastii 16.6%), Elena Tarasova iyo Elena Kossovo (8% kasta). Madaxweynaha bangiga waa Artem Henkin, oo ah guddoomiyaha guddiga agaasimayaasha - Vsevolod Morozov.

"Horumarka ee bangiga" daryeela xidhiidhka weriyaha la waaweyn Ruush ( "Rosbank", "Uralsib") iyo dibadda (Commerzbank, Dautsche Bank, VTB Bank, iyo kuwa kale.) Hay'adaha Credit. Wuxuu xubin ka yahay Ururka Bangiyada Ruush, Moscow ururada lacageed oo caalami ah oo ku lug leh ganacsiga sarifka lacagaha qalaad suuqa of Hao, "MICEX Stock Exchange" iyo OAO "Moscow Exchange".

Jago iyo ratings bangiga ee

Maanta JSC "koritaanka ee bangiga" waxa ku sugan 100 TOP-ugu weyn ururada credit Ruush. Tani waa xaqiijin ah oo aad u muhiim ah oo isku halaynta of caddayn u ah awoodda bangiga ayaa si ay u buuxiyaan baahida macaamiisha ay 'ee adeegyada dhaqaale iyo deynta. The galo ururka in liiskan ay sabab u tahay dhowr ah mabaadii'da ay shaqada maalin kasta:

• siyaasadaha maalgashiga iyo daynta si caddaalad ah muxaafidka ah;
• ugu horayn la dhaqaalaha dhabta ah u shaqeeyaan,
• isku darka of hab shakhsi ah si ay u hal-abuurka ee adeegga macaamiisha;
• helitaanka badeecooyinka iyo adeegyada bangiga,
• furfurnaanta iskaashiga iyo macaamiisha;
• qiimeynta khatarta karti.

Maanta, dhawrno oo aynu kartaa faylalka amaah ku filan leh tayo wanaagsan, taas oo ay sabab u tahay la raacayo mabaadi'dan istiraatiiji sameeyay inta lagu guda jiro sano ee jiritaankeeda, "Bank of Growth." rating Credit loo xilsaaray in ay hay'adda "Expert RA" ee 2014, ayaa la casriyeeyay si "A +" (aad u dheer) si ay "koraya" saadaasha. Sida laga soo xigtay The Standard & Poor ee qiyaasaha bangiga helay muddo dheer rating credit ah "B-" oo muddo gaaban "C" iyadoo saadaasha "xasiloon". Labada hay'adaha muujiyay ah oo ku saabsan tayada faylalka credit ururka u wanaagsan, waxaa ka fiirsaneysa sare oo ku filan. Tani waxay ku siinaysaa sabab ay ku aaminaan in ururku yahay mid deggan iyo lacag ku kalsoon tahay sida ugu macquulsan. Dad badan oo tabarucaad ama amaahda si ay u soo baxday in laamaha LA "Koraaya Bank". Khubarada Reviews saadaaliyo horumarinta joogto ah iyo si habsami leh oo ka mid ah urur iyo xoojinta jagooyinka ee suuqa adeegyada maaliyadeed.

Waxa xiiso leh, bangiga leeyahay meel sharaf leh ee gobolada. Sayidka, laanta ururka "Bank of Growth" (Rostov-on-Don) ku guuleystay kaalinta koowaad ee tartanka lagu qabtay by Fund Guarantee ee gobolka Rostov ah. Wuxuu qabtay August 2013 ayaa la xidhiidha bixinta damaanado fund deynta ganacsatada yar yar iyo kuwa meel dhexaadka ah. heerka Qiyaasta dulsaarka, shuruudaha iyo isku halaynta of isu ururada. Guushaan ayaa ahaa heshiis in qadarka 20 million rubles, kaas oo helay "Bank Growth" (Rostov-on-Don) ee amaahda ganacsatada dhabta ah.

adeegyada Bank

Sida inta badan hay'adaha credit ah, Bank waxay bixisaa macaamiisheeda kala duwan oo ay ka buuxaan adeegyada maaliyadeed ee caadiga ah. Heshaa "Bank of Growth" kayd, deeq deynta macaamiisha gaarka loo leeyahay iyo shirkadaha, shirkadaha yaryar iyo kuwa dhexdhexaadka, waxay bixisaa lacag caddaan ah maamulka iyo adeegyada xabsiga, waxay bixisaa damaanado, warqado of credit, mushaar sare iyo mashaariic kale ka shaqeeya. liiska buuxa waa wax ballaadhan. Qaar ka mid ah iyaga ku shaqeeyaan on dhulka oo dhan dalkeena badan, qaar ka mid ah adeegyada gaarka ah waxaa la siiyaa oo kaliya "Koraaya Bank" -Moscow (tusaale ahaan, la xidhiidha daynta isku xidhka).

Ugu xiisaha badan yihiin tirada ugu badan ee xaaladaha dadweynaha ee kayd iyo fursadaha amaahda. Waa iyaga aan degno in.

Qaadhaanka: noocyada iyo shuruudaha

Halleeyo lillaahinimada iyo sahlanaato - dhamaan qodobada muhiim u ah wax soo saarka, kuwaas oo loo bixiyo by "Bank of Growth." Qaadhaanka - caddayn of this. Ururka credit ayaa, waxaa jira laba nooc oo waaweyn oo maalgelin loogu talagalay macaamiisha gaarka ah. Waxaa ku qiimeeyay "koritaanka lacag la'aan ah" iyo "kobcinta ugu saraysa." Ha ka fikiro si aynu shuruudaha mid kasta oo iyaga ka mid ah.

free

Tan koowaad waa nooc ka mid ah kiishad in ay "faleebo" on inuu xiiseynayo. Maxay ka dhigan tahay? deposit Tan waxaa loo furay on baahida, iyo bixitaanka uusan saamayn ku lahayn heerka dulsaarka. Si aad u cusboonaysiiso xisaabta, iyo sidoo kale in ay fuliyaan soo bixid, mar kasta oo wakhtiga. ka hadhay ugu yaraan fadhiya (10 kun) oo xiiso - sare oo ku filan in lagu aamino qaba xaaladaha sida. Lacagta ugu badan ee heerka this - 30 million rubles, ama hal milyan oo doolar (oo aan xadidi suurtagalnimada ee macaamiisha). dheer Deposit - saddex bilood iyo hal sano iyadoo ay xulashada si loo cusboonaysiiyo heshiiska. Boqolleyda - waa qaraabo iyo go'aamisey ku xiran tahay muddada iyo qadarka lacagta hoos (ilaa 9.2%).

ugu badnaan

Haddii aadan ku talo jirin in aad lacag ula soo baxdo inta lagu guda jiro muddada deebaajiga, waxa uu noqon lahaa faa'iidada badan si ay u isticmaalaan ka qayb qaateen "koritaanka ugu badan." Sida laga soo xigtay bangiga canshuur ka bixisaa heerarka danta ugu fiican in ay xaraf. Intaa waxaa dheer, waxaa jira shuruudo wanaagsan ee joojinta hore ee heshiiska. Sida hore, kaalin this sidoo kale buuxin kartaa inta lagu jiro waqtiga ah. Iyadoo la tixgelinayo danta, ay ka gaaraan 10.5% in rubles iyo 4.5% ee lacagta. Waxaa kaloo jira farqi la taaban karo ee xaddi iyo waqtiga. Sayidka, tabarruc ugu yar ee hoose ee 3000 rubles, oo muddo kaalin la kordhiyay hal bil ilaa saddex sano.

Goobta uu leeyahay bangi calculator anfacaya, halkaas oo qof kasta waa awoodaa inuu xisaabiyo boqolleyda deebaajiga, iyadoo ku xiran cadadka la qorsheeyay iyo muddo. Intaa waxaa dheer, bankiga bangiga ayaa waxaa la siiyaa fursado ay adeeg shakhsi iyo mudnaanta. marka hore waxaa ay bixiyaan maal wadarta 4.5 million rubles oo ka mid ah xaaladaha gaarka ah ee adeegyada bangiyada, tababaraha shakhsi, xafiisyada VIP iyo wixii la mid ah. Second - marka ka qayb qaateen in cadadka 1.5 million rubles. In labada kiisaska, macmiilka helo wax badan oo ka mid ah faa'iidooyinka aad u fiican.

Amaahda: lacag kaash ah

macaamiisha Private "Bank Growth" waxay bixisaa amaahda ee lacag aad u badan - ilaa laba million rubles. Sababaha ay u soo saari amaahda waxaa halkan aasaasay by shaqaalaha ee ururka oo lagu sheegi karaa in afar erey:

• ma ujrada ku maqan - daacad ah;
• dulsaarka aad u yar yahay - faa'iido;
• si dhakhso ah - at codsiga of go'aan laga qaadi doonaa labo maalmood gudahood;
• kaliya - xirmo dokumentiyo waxaa loo yareeyey (looga baahan yahay oo kaliya baasaboor).

On waxa xaaladaha ka filan karaa in ay deynsanaya iman kara ee bangiga? Sida kor ku xusan, xaddiga amaah ugu badnaan waa laba milyan oo rubles, ugu yaraan - 30 kun. Lacagtan waxaa la qaadi karaa ilaa shan sano (ama mushahar iyo lix bilood). Waxaa suurto gal ah in bixinta hore aan xadeyn. The ugu xiisaha badan - boqolkiiba. Waxaa lagu rakibi karo heer ah 17%, kaas oo ka hooseeya in alaabta la mid ah bangiyada badan oo kale. lacagaha magdhowga, iyo taariikhda fulinta aad adigu doorato.

Iyada oo la eego garatay. Hadda waxaan u baahan tahay in la fahmo sida bangiga arkaa ay amaahdaana. shuruudaha caadiga ah - da'da 20 ilaa 65 sano, helitaanka khibrad shaqo oo ugu yaraan saddex bilood, la doorbidayo caddayn declarative dakhliga (u kordhiyaa fursadaha oggolaanshaha credit iyo helitaanka qadar weyn oo amaah ah).

auto Amaahda

version hore of credit kuwa qorsheynaya in ay lacagta u isticmaalaan shakhsi ama qoyska ujeeddooyin, sida safarka badda ama in la dayactiro. Haddii aad riyo waa brand baabuur cusub, waxaa fiican in la isticmaalo wax soo saarka gaar ah. deynta gaariga waa soo jiidasho leh, koobabka badan "Koraaya Bank"? Reviews of milkiilayaasha baabuurta, si ay u isticmaasho adeegan, qeexo a xaalad aad u dhalaalaya oo ay bixinta. Marka hore, tani waa xirmo ugu yar ee waraaqaha (loo baahan yahay oo kaliya baasaboor iyo profile) iyo karti aad ku qorshayso codsiyada aan booqday Bankiga. Second, low-dan - ka 8.9% ay ka maqan yihiin ajuurada kale. Inta ay aad filan kartaa ilaa 10 milyan oo rubles, iyo muddada la kordhiyo ilaa 7 sano! Xaaladdan oo kale, tixgelin codsiga socdaa wax ka badan laba saacadood, xitaa ka sii badan u dhaw in ay wax amaahdaana iibsiga heel.

Si inuu ka faa'ideysto amaah ah, aad u baahan tahay si aad u sameysato caymiska gaarka ah (saddex qaybood), waxay leeyihiin jinsiyadda Ruush, iyo ilaa da'da 55 sano. Waayo, wax soo saarka this laga iibsan karaa baabuurta ganacsiga iyo qalab gaar ah.

amaahda la awoodi karo

Maanta, waxaa jira barnaamijyo dhowr ah oo xiiso for iibka ah ee guryaha, taas oo bixisa ah "koritaanka of bangiga." Mortgage, qurxiyey in hay'ad credit ah, shuruudaha soo socda:

• sahlanaato,
• helitaanka;
• halleeyo lillaahinimada.

Deynsanaya qorsheynaya in ay iibsadaan guri dabaq ah ee hantida maguuraanka ah xaq u yeelan karaan heerka of 8.5% sannadkii. At guryaha la mid ah dhismayaasha cusub ee la siiyaa 100% wajigeeda lacag hoos u ah. Sida oo kale, waxaa loo ogol yahay in ay isticmaalaan caasimada hooyada. In "Koraaya Bank" deynsanaya waxaa lagu martiqaadayaa inay ka qaybgalaan barnaamij taageero gobolka, iyaga ka mid ah - "cilmi-Young", "Military Mortgage" iyo kuwa kale. Waxa kale oo suuragal in ay qaataan daynta barnaamijyada AHML. macaamil kasta haddii uu macaamilka doonayo in uu la socdaa tababare mortgage shakhsiyeed.

Isticmaalka calculator gaar ah oo ku saabsan bogga internetka ee bangiga, waa ay fududahay in xisaabiso qiyaasta hore kharashka la xidhiidha processing amaah, iyo sidoo kale bartaan lacagta bil kasta qiyaas ku xiran tahay muddada iyo lacagta amaahda. Tusaale ahaan, deyn ah oo mid ka mid ah barnaamijyada ugu caansan - "Resellers". Marka qiimaha iibka of 4 million rubles, iyo lacag bilow ah oo 30% ka mid ah lacagaha lacagta amaahatay ka dhigan in 2.8 million rubles. Waxaan galaan xisaabiyaha xogta, iyo sidoo kale dakhliga qoyska guud ee bil - tusaale ahaan, 80 kun oo rubles. Haddii aad kuu diyaarin mortgage ah muddo 20 sano ah, heerka uu noqon doono 13,35%, iyo lacagta bil kasta - 33.5 kun. Haddii aan u isticmaalno kiiskan, barnaamijka gobolka AHML, dulsaarka amaahda yaraan doonaa in 11,85%, iyo lacagta waa la dhimay ilaa 30 500. Beddelidda xogta asalka ah, waxaad dooran kartaa naftooda shuruudaha credit ugu habboon.

kaararka deynta: Features

Waa kuwee bangiga hadda ka helnaa kaararka caaga ah? Waa lagama yaabo in sida jirta. "Horumarka Bankiga 'sidoo kale waxa uu horumar u gaar ah oo xiiso leh ee qeybta this. Kaararka Debit waxaa soo saaray, ay sabab u tahay siyaasadda muxaafidka ah ee bangiga. Si kastaba ha ahaatee, waxay leeyihiin qaar ka mid ah faa'iidooyinka xiiso leh. Sayidka, dheelitirka ee lacagta kaarka aad Waxanna doonaa xiiso at heerka of 2-4% bishii. Bixi iyada waxay noqon kartaa meel kasta oo adduunka ah, iyo qaab beddelidda lacagaha lagu fuliyaa sida ugu faa'iido - at heerka of habka lacag bixinta.

Kaararka waxaa laga heli karaa in qaybaha kala duwan - ka Electron in ugu yaraan Platinum iyo waynyahay, waa horyalka Talyaaniga, laakiin sidoo kale waxay bixiyaan fursado dhimis on Kiraynta baabuur oo Boos hotel (in qaabka nidaamka gaarka ah ee mudnaanta). Iyada oo taageero iyaga ka mid ah waxa aad sameyn kartaa iibsadaan Internetka, bixiyo adeegyada mobile iyo go'an isgaarsiinta, bixiyeyaasha adeegga Internet, TV-ga iyo wixii la mid ah. Ururka Credit "Koraaya Bank" ATM ay wada joogaan magaalooyinkooda oo dhan. Waxaa intaa dheer, in ay ka baxaan lacag caddaan ah ka "ahaaneed" Commission (0.8%) waa suurto gal dhex AVM bangiga "UralSib".

macluumaad waxtar leh oo loogu talagalay macaamiisha

Si aad u taariikhda, "Koritaanka Bankiga" ayaa laamo in 74 magaalo oo ka mid ah Russia, laakiin waxa ay weli si firfircoon dhistid mareeg ah laamaha iyo xafiisyada gobollada ee. Ka hel talo khabiir oo ay noqoto macmiil hay'ad credit waa muwaadin Ruush deggan degaanka kasta.

Si aad u hesho macluumaad faahfaahsan oo ku saabsan waxyaabaha bangiga ee, adeegyada iyo hawlaha dhaqaale, waxaa jira urur "Koraaya website-ka rasmiga Bank ', oo ku yaalla at www.rostbank.ru. Waxaa imanaya a cayishay, design casriga ah, laakiin sidoo kale si weyn u kala duwan ka soo khayraadka ee meelaha kale ee amaahda. Halkan waxa aad ka warbixin ku saabsan bangiga ka heli kartaa: macluumaadka ku saabsan taariikhda ay asaasidda iyo shaqaynta, arki ratings ee hay'adaha kala duwan, macluumaad maaliyadeed, wax ka bartaan waxyaabaha bangiga iyo shuruudaha ay soo sahaydeen, kayd isticmaalka xisaabiyayaal iyo deynta, iyo hesho macluumaad kale oo ku saabsan JSC ah "Kobaca Bank "(xogta shakhsiga ah, xiriirada, wada-hawlgalayaasha, iyo wixii la mid ah.). Sidoo kale goobta hay'adda credit ee geeska bidixda ah ee kore ku jiro link a si Bank Internetka ( "Kiberbank"), kaas oo aad ka gali kartaa in aad xisaabta shakhsi si aad u hubiso biilasha ama samayn nooc ka mid ah macaamil maaliyeed.

Waayo, isgaadhsiinta operative leh LA "Koraaya Bank" lambarka telefoonka laga helo meesha ugu caansan sare ee goobta. Hotline for wicitaano lacag la'aan ah - 8 (800) 250-88-88, iskaashi iyo dalabyo la heli karaa Email - post@rostbank.ru. goobta City of xafiiska ugu weyn ee shirkadda "Kobaca Bank" - Moscow. All ee gobolka Moscow waxay ahaayeen saddex iyo toban - mid ka mid ah bartamaha iyo toban. On website-ka "Horumarka cinwaanka xafiiska Bank 'meesha aad degan tahay waxaa laga heli karaa by in dhinaca kore ee midigta ee dhexnool kala socday oo la furo tab ah" Contact ". Halkan waxa aad ka heli kartaa lambarka deegaanka ee laanta bangiga. xafiiska dhexe waxa uu ku yaalaa Moscow on Stanislavsky Street 4/1.

Raadinta ka macaamiisha ka baxsan

Dabcan, bangi kasta waxay leedahay labadaba macaamiisha mahdisaan qanacsanayn badan abid. Waqtigan xaadirka ah, rating ee LA Shacabka "Koraaya Bank" waa 50,4% 100%. Sida xaqiiqada ah tanu ma aha tilmaame ugu fiican, laakiin sidoo kale wanaagsan. Iyada oo ku saleysan 28 dib u eegista iyo ratings 13 bangiga maanta kaalinta 17-ka mid ah 225 (sida website banki.ru)! Tani waa xaalad wanaagsan oo wuxuu ka hadlaa howlgal aad loogu guulaystay ee hay'adda credit, takhasus adeeg digtoon iyo heerka sare ee adeegga.

Si qiyaastii qiyaasi badan ku qanacsan, iyo in macaamiisha bangiga ayaa ka cawday, arki qaar ka mid ah dib u eegista ka tegey iyaga by. In magaalooyin badan (Kazan, Vladimir, Nizhny Novgorod iyo kuwa kale.) Visitors aragto jawi wanaagsan ee qolka, adeegga maqleen oo xiiso xallinta dhibaatooyinka khubaro ah. Laakiin mid ka mid ah macaamiisha LA "Kobaca Bank" (Rostov-on-Don), codsado halkan kaalin, waxa uu sheegay in shuruudaha lacag dhigaal ah kuwa ugu wanaagsan ee magaalada, shaqaalaha, xafiiska fiican karti iyo aad u edeb yihiin. khasaare kaliya, kaas oo keenaya carqalad macaamiisha - isku laan oo keliya, iyo guud ahaan, oo dhan ee bangiga sida. Iyada oo view Taasuna waxay raacsan iyo macaamiisha kale ee bangiga, oo sidoo kale xusay in ay dulsaarka soo jiidasho leh deynta. Laakiin deggan Saint-Petersburg, lacagta joogta LA "Kobaca Bank" (St. Petersburg), jiitay by la'aanta ah ee safafka, ka duwan laamaha kale ee hay'adaha credit. Waxay soo saartaa saamayn togan, iyo shaqaalaha mid wax tar leh (kursi dalab isgaadhsiinta raaxo leh, sharax wax kasta oo faahfaahsan iyo samir, talooyin furan si dhakhso ah, iyo xataa hadiyad daranyihiin).

Dabcan waxaa jira dib u eegista xun. Qaar ka mid ah ku lug isticmaalka ATM dhicis la xariirta macluumaadka website-ka (oo mararka qaarkood keenta in dhibaato xun), dhibaatooyinka farsamo iyo malevolence shaqaalaha shaqsiga. Guud ahaan, waxaa jira waxyaabo badan in la hagaajiyo, iyo qaar ka mid ah ceebaha ee shaqada waa in la ciribtiray, laakiin guud ahaan, bangiga waa in la ammaanay. Waxa ugu weyn ee hadda - in ay qabtaan oo ay dhulka heer sare iyo isku day in aad iyaga la xoojiyo.

gunaanad

Maanta waxaan u yaqaanaan wax yar-yaqaan ee wareegyada balaadhan oo ah hay'ad credit ah "Koraaya Bank". Reviews of macaamiisha uu mudan in fiiro gaar ah iyaga iyo in ay ka faa'iidaystaan adeegyada bangiga ee. Faa'iidooyinka ugu wayn waxaa weeye siyaasad dhexdhexaad ah muxaafidka ah ee la ixtiraamo deyn iyo focus on qanacsanaanta la faa'iidada ugu badan ee danaha macaamiishooda '. Qaar badan oo ka mid ah kuwa loo isticmaalo adeegyada bangiga, ayaa sheegay in xaaladaha credit quruxsan fiican iyo heerka sare ee lacag dhigaal ah. Intaa waxaa dheer, inta badan ee war celin macaamiisha Hagidda shaqaalaha "Bank Growth" sida a xirfadlayaal aqoon leh oo isu jixinjixa, oo dhab ahaantii ay yihiin wejiga urur kasta. Sababo qiimaynta qofna in ay shaqada, Bank ayaa laftiisa la aasaasay urur credit lagu kalsoonaan karo oo xasilloon ah, taas oo aan jeclaan lahaa in ay ka shaqeeyaan muddo dheer. By jidka, "Koritaanka Bankiga" ficil ahaan ma laftiisa ayaa xayaysiiya, iyo meesha ugu fiican oo macluumaad ku saabsan yahay afka.