Ngongole yamagalimoto ku Rosselkhozbank - mikhalidwe ndi chiwongola dzanja
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Ngongole yamagalimoto ku Rosselkhozbank - mikhalidwe ndi chiwongola dzanja

27.06.2022 /

Pali mabanki ambiri ku Russia, ndipo pafupifupi aliyense waiwo mutha kupeza ngongole yagalimoto. Mapulogalamu a ngongole nthawi zambiri amakhala ofanana, chiwongola dzanja chimasinthasintha mkati mwazochepa - zina zimakhala zambiri, zina zimakhala zochepa. Europe ndi USA ndi mikhalidwe yawo akadali kutali.

Koma mfundo imodzi ndi yolimbikitsa kuti pali mabanki omwe angapereke zokonda zamagulu ena a anthu. Tiyeni titenge Rosselkhozbank, mwachitsanzo. Ichi ndi bungwe lazachuma la boma, ndi la chuma cha boma la Russian Federation, likulu lonse limaposa XNUMX trillion rubles.

Malingana ndi chiwerengero cha 2014, Rosselkhoz Bank ndi imodzi mwa mabanki khumi odalirika ku Russia, komanso pakati pa zana lalikulu padziko lonse lapansi.

Kale kuchokera ku dzina zikuwonekeratu kuti idapangidwa kuti ithandizire ku Russia agro-industrial complex. Oimira kumidzi ya anthu akhoza kulandira ngongole pano kuti agule makina aulimi, zida za minda ya nkhuku ndi minda ya ziweto. Mwina munthu wamba wa kumudzi atha kutenga ngongole kubanki iyi kuti agule galimoto yake yoyamba.

Ngongole yamagalimoto ku Rosselkhozbank - mikhalidwe ndi chiwongola dzanja

Ndi chiwongola dzanja chanji mungapeze ngongole kuchokera ku Rosselkhozbank?

Zobwereketsa

Popeza Rosselkhozbank ndi ya boma, mikhalidwe yopezera ngongole yagalimoto pano ndi yofanana ndi banki yayikulu kwambiri ku Russia - Sberbank. Ndiko kuti:

  • malipiro ochepa ndi 10 peresenti ya mtengo;
  • nthawi ya ngongole - kuyambira mwezi umodzi mpaka 60;
  • ngongole ikhoza kupezedwa ndi nzika zazaka 18 mpaka 65;
  • Ngongole yayikulu kwambiri ndi ma ruble 3 miliyoni, 100 madola US kapena ma euro 75.

Kodi zofunika ndi ziti? kwa wobwereka?

Ubwino wopeza ngongole yamagalimoto kubanki yayikulu yaboma ndikuti amawunika mosamala kuchuluka kwa ndalama ndi mbiri yangongole ya kasitomala aliyense. M'mabanki amalonda, maganizo amakhala okhulupilika, ndipo chifukwa chake, ngakhale omwe sangathe kulipira akhoza kupeza ngongole, koma ndiye kuti munthu woteroyo adzapeza movutikira omwe osonkhanitsawo ali, kuti adzafunika ndalama zingati. overpay, poganizira zolipirira zonse ndi zilango, kuti musataye galimoto yanu.

Rosselkhozbank akuwonetsa:

  • chidziwitso chonse cha ntchito;
  • avareji ya ndalama zomwe amapeza pamwezi;
  • banja, kupezeka kwa katundu;
  • Kodi achibale ena ali ndi ndalama?

Kuti mulembetse ngongole, muyenera kulemba fomu yopatsa chidwi ndikuwonetsa zonse zomwe zili mmenemo. Simungathe kubwera ndi chilichonse, chifukwa zonse zimafufuzidwa ndipo masiku 4 amaperekedwa kuti apange chisankho chomaliza (pafupi ndi nambala 4 pali asterisk yaing'ono ndi mawu apansi - banki ikhoza kusintha nthawi yoganizira kugwiritsa ntchito mmwamba kapena pansi).

Ngati ndalama zomwe mumapeza pamwezi sizikukulolani kulipira ngongole pamwezi, ndiye kuti simudzawona galimoto, mwina osati kuchokera ku banki iyi.

Zofunikira kwa munthu yemwe angathe kubwereka ndi izi:

  • zosachepera chaka chimodzi chazaka zisanu zapitazi (zaka 5 zapitazi - kutanthauza panthawi yomaliza ngongole, ndiye kuti, ngati mutenga ngongole kwa zaka 2, ndiye zaka 3 zapitazi);
  • Muyenera kuti mwagwira ntchito kumalo anu omaliza (panopa) kwa miyezi yosachepera 4;
  • Russian nzika, kulembetsa pa malo a nthambi ya banki.

Koma kwa nzika zolembetsa kumidzi, komanso omwe amagwira ntchito m'munda waulimi, omwe ali ndi mbiri yabwino yangongole ndi banki iyi kapena ali ndi akaunti, pali zololeza: zinachitikira ntchito osachepera miyezi 6, nthawi yogwira ntchito malo otsiriza - 3 miyezi.

Ngongole yamagalimoto ku Rosselkhozbank - mikhalidwe ndi chiwongola dzanja

Chiwongola dzanja

Chosangalatsa kwambiri ndi chiwongola dzanja; mu banki iyi amadalira nthawi yobwereketsa komanso kuchuluka kwa ndalama zomwe mwabweza. Ngati mupereka kuchokera pa 10 mpaka 30 peresenti ya mtengowo, mudzalandira:

  • kwa chaka - 14,5%;
  • kuyambira chaka chimodzi mpaka zitatu - 15%;
  • kuyambira atatu mpaka asanu - 16%.

Ngati musungitsa ndalama zoposa 30 peresenti, ndiye kuti mitengoyo idzakhala yotsika ndi 0,5 peresenti: 14, 14,5, 15,5 peresenti, motero.

Monga mwachizolowezi, pali mawu am'munsi pang'ono osindikizidwa bwino:

  • ngati mukukana inshuwaransi ya moyo nthawi yonse ya ngongole, ndiye kuti mutha kuwonjezera zina ziwiri peresenti pamitengo yomwe ili pamwambapa;
  • zokonda kwa omwe ali ndi maakaunti aku banki kapena kulandira malipiro pa khadi la banki - mitengo imachepetsedwa ndi gawo limodzi.

Ndiko kuti, tikuwona kuti banki ikuyesera kudziteteza ku zoopsa zonse zomwe zingatheke. Simudzafunikanso kutenga inshuwaransi ya CASCO, komanso inshuwaransi yaumoyo yodzifunira, yomwe ilinso yotsika mtengo. Koma osachepera mfundo yakuti CASCO ingapezekenso pa ngongole pano ndi yolimbikitsa.

Memo kwa wobwereketsa amafotokoza mwatsatanetsatane zotsatira za kubweza mochedwa - tsiku lililonse lochedwa, chilango cha 0,1 peresenti ya ngongoleyo chikuwonjezeka. Ngati munthu apezeka kuti ndi wolakwa, ndiye kuti akhoza kupatsidwa chilango - 10 malipiro ochepa.

Ngati simukuopa zotsatira zonsezi ndipo muli ndi mphamvu pazachuma, ndiye kuti ntchito yanu idzaganiziridwa, muyenera kupereka zolemba zokhazikika, kuphatikizapo kugula ndi kugulitsa mgwirizano kuchokera ku salon, kopi ya mutu ndi cheke cha malipiro otsika ku salon.

Zosankha zoterezi ziyenera kupangidwa mosamala. Kumbukirani kuti ngongole yotereyi ndi yopindulitsa pokhapokha mutapereka malipiro aakulu - osachepera 25-50 peresenti, ndikufunsira kwa kanthawi kochepa - mpaka zaka ziwiri. Muzochitika zina zonse pali kubweza kwakukulu.




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