Ngongole yamagalimoto popanda kubweza ku Alfa Bank

Ziribe kanthu kuti mapulogalamu a ngongole ogula galimoto ali otani tsopano, kwa anthu ambiri a ku Russia amakhalabe osafikirika chifukwa chakuti ayenera kulipira ndalama zoyamba, zomwe ndi zosachepera 10 peresenti ya mtengo wake.

10 peresenti ya mtengo wa galimoto yamtengo wapatali kwambiri ya 300-400 zikwi ndi ma ruble 40, ndalamazo zikuwoneka kuti sizili zazikulu, koma zingakhale zovuta kuzisonkhanitsa.

Chifukwa chake, pali chiyeso chachikulu chotengera mwayi pazopereka zangongole, ngongole zosiyanasiyana zomwe zimakulolani kugula galimoto yomwe mukufuna popanda kubweza. Oyang'anira m'magalimoto ogulitsa magalimoto amadziwa bwino momwe anthu akumvera komanso momwe ndalama zenizeni za anthu aku Russia zilili, choncho, mogwirizana ndi mabanki, amapereka mwayi woti atenge galimoto pa ngongole popanda kulipira.

Kodi Alfa-Bank ili ndi mapulogalamu otere? Tiyeni tiyese kuzilingalira.

Kugula galimoto pa ngongole kuchokera ku Alfa-Bank popanda kulipira

Inde, ndithudi, banki iyi imatipatsa mwayi wogula galimoto popanda malipiro, mapulogalamu oterowo angapezeke m'magalimoto ambiri ogulitsa magalimoto ku Moscow. Koma kodi pulogalamuyi ndi chiyani?

Ndipo izi sizachabe koma ngongole yazachuma wamba, ndipo imaperekedwa pamikhalidwe yovuta kwambiri. Pali mapulogalamu angapo a ngongole:

• "Fast" - mpaka 250 zikwi;
• otetezedwa ndi nyumba - mpaka 60 miliyoni;
• Ngongole yandalama - mpaka 1 miliyoni (2 miliyoni kwa makasitomala aku banki ndi makasitomala akampani).

Ndiko kuti, kunena, pecking pa kupereka kugula galimoto pa ngongole popanda malipiro pansi, mukuvomereza kuti si zinthu okhulupirika kwambiri.

Ngati mulibe pafupifupi 10 mpaka 250 zikwi zogulira galimoto, ndiye kuti mutha kupatsidwa ngongole yandalama kapena Quick kirediti kadi. Ngongole "Fast" chiwongola dzanja ndi - kuchokera 37 mpaka 67 peresenti pachaka. Kubweza kwake ndikwambiri, koma pali nthawi yachisomo ya masiku 60 pomwe chiwongola dzanja sichimaperekedwa. Kuphatikiza apo, simuyenera kupereka ziphaso zopeza ndalama ndikuyang'ana otsimikizira.

Ngati mukufuna kubwereketsa nyumba yanu kapena muli ndi malo ena, ndiye kuti mudzapatsidwa zinthu zosavuta, komanso, ngongole yotereyi imaperekedwa kwa zaka 10 ndi chiwerengero chochepa cha 13,6%. Ndiko kuti, mlingo ukhoza kukhala wapamwamba ndipo umatsimikiziridwa payekha payekha payekha. Ubwino wake ndikuti mutha kugula galimoto yodula kwambiri, ngati nyumba yanu ili yamtengo wapatali pa mamiliyoni angapo. Ndikofunikiranso kuti onse omwe adalembetsa mnyumba mwanu apereke chilolezo chawo.

Ngongole yandalama kuchokera ku Alfa-Bank imatengera izi:

• kuchokera pa 50 zikwi kufika pa mamiliyoni awiri kwa makasitomala akubanki ndi makasitomala amakampani;
• mpaka miliyoni imodzi kwa wina aliyense;
• chitsimikizo sichifunika, ndalama ziyenera kutsimikiziridwa;
• ma komisheni olembetsa ndi kubweza msanga samalipidwa;
• nthawi - mpaka zaka zisanu.

Maperesenti, ziyenera kunenedwa, sizochepa:

• 16,99-30,99 pachaka kwa omwe amalandira malipiro pa khadi la banki iyi;
• 17,49-34,99 - makasitomala amakampani a banki;
• 19,49-39,9 - magulu ena onse.

Pogwiritsa ntchito masamu owerengeka osavuta, mutha kuwerengera ndalama zomwe zingakuwonongereni kuti mugwiritse ntchito ngongoleyi. Chiwongola dzanja chimatsimikiziridwa payekhapayekha, kutengera kukwanira kwa zomwe zaperekedwa za inu nokha, kuchuluka kwa ndalama, ndi zina zotero.

Banki ikuyesera kudzipangira inshuwaransi mwanjira iliyonse ndipo pamakhala zovuta: manejala wina wa kampani yotchuka alandila chiwongola dzanja chochepa kuposa wogwira ntchito wamba wamba. Ngongoleyi siinaperekedwe kwa amalonda payekha, komanso kwa anthu omwe adalembetsedwa m'mahostel. Ngati mutenga inshuwaransi ya moyo, ndiye kuti mitengo ya ngongoleyo idzachepetsedwa.

Zofunikira kwa wobwereka ndizokhazikika: muyenera kukhala ndi ndalama zokhazikika zosachepera 10 zikwi pamwezi, kulembetsa kosatha kudera lomwe kuli nthambi za banki. Onetsetsani kuti mwatsimikizira zomwe mumapeza m'miyezi 6 yapitayi. Zikalata zokhazikika zimafunikiranso: pasipoti, chikalata chachiwiri, chiphaso chantchito chokhudza ndalama zomwe mumapeza, ndi chimodzi mwazolemba zomwe mungasankhe: inshuwaransi yachipatala yokakamizidwa, inshuwaransi yachipatala yodzifunira, buku lantchito, pasipoti yokhala ndi sitampu. za visa, chiphaso cholembetsa galimoto.

Mukapereka ngongole, mudzalandira ndalama zonse pakhadi laku banki. Zinthu zabwino ndi izi:

• palibe ma komisheni omwe amalipidwa;
• CASCO ndiyosankha;
• kuthekera kwa kubweza msanga.

Pulogalamu yobwereketsa magalimoto kuchokera ku Alfa-Bank

Palinso mapulogalamu mu banki iyi ndi zopereka zochepa zoyambira - kuchokera pa 10 peresenti. Mikhalidwe ya pulogalamuyi ndi yokongola kwambiri:

• chiwongola dzanja kuchokera pa 11,75 mpaka 21,59 peresenti pachaka;
• ndalama zambiri ndi 5,6 miliyoni rubles.

Inde, palinso tigawo. Choncho, makasitomala achinsinsi amatha kulandira ndalama zokwana 3 miliyoni pa 15,79-16,79 peresenti, pamene malipiro oyambirira ndi osachepera 15 peresenti. Palinso mwayi wogula galimoto popanda kulembetsa kwa CASCO, koma izi zimapezeka kokha kwa malipiro ndi makasitomala amakampani, ndipo chiwongoladzanja chidzakhala 17,79-21,59%.

Kuchokera pazomwe tafotokozazi, mawu omaliza amadziwonetsera okha - werengani mosamala mgwirizano ndi banki, makamaka zolemba zazing'ono. Kugula galimoto popanda chiwongoladzanja ndi lingaliro loyesa, koma mudzayenera kulipira zambiri.

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