Ngongole yamagalimoto ku Home Credit Bank
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Ngongole yamagalimoto ku Home Credit Bank

27.06.2022 /

Home Credit Bank ndi imodzi mwazinthu zotsogola zachuma ku Russia. Pankhani ya kubwereketsa kwa anthu mu 2012, idatenga malo achitatu, kuchuluka kwa likulu la banki kumafika ma ruble 50 biliyoni, ndipo ndalama zonse zazaka zosiyanasiyana zimasinthasintha pakati pa ma ruble 15-20 biliyoni.

Ntchito za banki zimagwiritsidwa ntchito ndi mamiliyoni aku Russia, maukonde a nthambi ndi ma ATM amapangidwa, banki imagwiranso ntchito zachifundo.

Ngongole zamagalimoto ku Home Credit Bank

Bankiyi imapatsa makasitomala ake mapulogalamu angapo obwereketsa ogula galimoto.

Mapulogalamu olandila ndalama mosayenera, ndiko kuti, mutha kulandira ndalama kuchokera ku 50 mpaka 500 rubles ndikuzigwiritsa ntchito mwakufuna kwanu.

Pulogalamuyi ili ndi zabwino ndi zoyipa zake.

Wotsatsa:

  • chiwongola dzanja cha pachaka - 23,9% pachaka;
  • zofunika kwambiri kwa makasitomala - onetsetsani kuti mukuwonetsa magwero a ndalama, mbiri yabwino yangongole, zaka kuyambira 23 mpaka 64.

Izi zikutanthauza kuti, mumangopeza ndalama pa khadi la banki ndikugula chilichonse chomwe mukufuna. Dongosolo lotereli limatanthauzanso zinthu zina zabwino:

  • sikoyenera kutulutsa CASCO mosalephera;
  • ngati mutagula galimoto yogwiritsidwa ntchito, ndiye kuti ikhoza kukhala chaka choyambirira chopanga kusiyana ndi mabanki onse (osapitirira zaka 5 zamagalimoto apanyumba, ndi 10 zamagalimoto akunja);
  • nthawi yomweyo mumakhala mwiniwake wagalimotoyo ndipo muli ndi zikalata zonse m'manja mwanu, ndiye kuti, ngati mukufuna, mutha kugulitsanso galimotoyo, perekani musanawomboledwe.

Kuti mupeze ngongole yotere, mudzafunika zolemba zokhazikika:

  • pasipoti ndi chikalata china chotsimikizira kuti ndi ndani (pasipoti, ID yankhondo, VU, satifiketi ya penshoni);
  • zikalata zotsimikizira solvency (satifiketi yamalipiro, buku lantchito, mfundo za CASCO, PTS, pasipoti yokhala ndi sitampu yopita kunja chaka chatha, ndi zina zotero)

Kufunsira ngongole kumaganiziridwa mpaka masiku asanu ndipo ndalamazo zimayikidwa ku khadi lanu. Nthawi yobwereketsa mpaka miyezi 60. Muyenera kubweza ngongoleyo mu magawo ofanana mwanjira iliyonse yomwe ilipo, palibe ma komisheni olembetsa ndi kubweza msanga.

Ngati ndinu wapenshoni, pali pulogalamu ya penshoni kwa inu, ngakhale mutha kupeza 150 zikwi, koma pachiwongola dzanja chochepa - 22,9 pachaka. Mfundo zolembetsera ndi kubweza ndi zofanana.

Ngongole yamagalimoto ku Home Credit Bank

Mapulogalamu apadera a ngongole zamagalimoto

Home Credit Bank imaperekanso mapulogalamu angapo omwe akufuna kugula magalimoto. Chodziwika kwambiri ndi "AUTOMANIA“. Kodi pulogalamuyi ndi chiyani ndipo phindu lake ndi lotani?

Chinthu choyamba chimene chimagwira diso lanu ndi ngongole yaing'ono - osapitirira 500 zikwi, ndiko kuti, pulogalamuyi ikufuna kugula magalimoto a bajeti. Nthawi yomwe muyenera kubweza ngongoleyo ndi zaka 4.

Magalimoto amatha kugulidwa onse atsopano komanso ogwiritsidwa ntchito. Nzika zonse zomwe zili ndi kulembetsa ku Russia komanso gwero lokhazikika la ndalama zitha kufunsira ngongole - chiphaso cha ndalama chimafunikira.

Ngongole imaperekedwa motsatira ndondomeko yanthawi zonse. Mumasankha mtundu wagalimoto womwe umakuyenererani, eni ake kapena oyang'anira salon amakupatsirani invoice, yomwe mumapita nayo kubanki kapena kulumikizana ndi wothandizira ngongole. Kuti mulandire chisankho chabwino, perekani zolemba zonse zofunika ndi ndondomeko ya ndalama kwa nthawi yotsiriza. Kulingalira kumatha kutenga masiku asanu, kenako ndalamazo zimasamutsidwa ku akaunti yanu.

Koma pali vuto limodzi "KOMA" - mlingo udzakhala mpaka 29,9 peresenti pachaka. Kuti muchepetse, muyenera kulembetsa galimotoyo ngati chikole ku banki mkati mwa miyezi isanu ndi inayi mutagula. Pansi pa chikhalidwe ichi, mlingowo umachepetsedwa kufika 18,9%. Ngati galimotoyo yalonjeza ku banki, mudzalandira kope la Title Deed, ndipo mudzalandira choyambirira m'manja mwanu mutabweza. Muyeneranso kulembetsa ku CASCO.

Palinso mapulogalamu ena omwe cholinga chake ndi kugula magalimoto ogwiritsidwa ntchito komanso atsopano. Pulogalamu ya New Cars imakupatsani mwayi wogula galimoto yamtengo wapatali mpaka miliyoni imodzi ndi theka. Chiwongoladzanja chimadalira kuchuluka kwa malipiro oyambirira ndi nthawi ya ngongole, chiwerengero chochepa ndi 14,9 peresenti.

Palinso pulogalamu yogulira galimoto yogwiritsidwa ntchito mpaka ma ruble 1,5 miliyoni. Chiwongola dzanja chochepa chidzachokera pa 16,9 peresenti pachaka. Nthawi ya ngongole ndi zaka 4, wobwereka ayenera kutsimikizira kuchuluka kwa ndalama zomwe amapeza.

Ndikoyeneranso kutchula kuti banki ili ndi mgwirizano ndi magalimoto osiyanasiyana ogulitsa magalimoto, kuphatikizapo, kukwezedwa kosiyanasiyana nthawi zina kumachitika, ndipo kusintha kumapangidwira mapulogalamu ena. Kuti mutengere mwayi pazotsatsa, muyenera kuwerenga mosamala mawuwo, chifukwa makasitomala ambiri amawona zotsatsa ngati "5,9 peresenti pachaka, kuphatikiza matayala achisanu ngati mphatso." Komabe, poyang'anitsitsa, zikuwoneka kuti zikhalidwe zotere zimakhala zovomerezeka pokhapokha malipiro oyambirira oposa 50 peresenti apangidwa, kapena kwa chitsanzo china.




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