Ngongole yamagalimoto ku Sberbank kwa opuma pantchito

Sberbank la Russia amapereka penshoni mwayi kupeza ngongole galimoto, Komanso, Sberbank anali woyamba kupereka ntchito imeneyi.

Kubwereketsa kumakhala kokongola kwambiri ndipo izi zimapangitsa kuti anthu ambiri omwe sanapume pantchito apemphe ngongole osati m'dzina lawo, koma m'dzina la makolo awo okalamba.

Pamasamba a Vodi.su portal, talemba kale za ngongole za galimoto kuchokera ku Sberbank, m'nkhaniyi tiyesera kulankhula za ngongole za galimoto kwa opuma pantchito - zikhalidwe, chiwongoladzanja, zolemba zofunika.

Migwirizano ya ngongole yamagalimoto kwa opuma pantchito kuchokera ku Sberbank

Munthu aliyense wosungunulira akhoza kugula galimoto ndi ngongole kubanki. Sberbank imapereka pulogalamu yapadera kwa opuma pantchito. Ndizofunikira kudziwa kuti kukula kwa penshoni ku Russia sikufikabe ku Europe, chifukwa chake, opuma pantchito amakayikira ngongole iliyonse.

Kukachitika kuti kuchuluka kwa penshoni sikokwanira kuti apeze chisankho chabwino, banki imapereka kukopa guarantors kapena obwereketsa - ana, mkazi, wachibale.

Chisankho chabwino chidzapangidwa ngati otsimikizira kapena obwereka anzawo apereka chilolezo chawo.

Banki komanso amaganizira mfundo yakuti ambiri pensioners ndi makasitomala a Sberbank, kulandira penshoni pa makadi banki. Opuma pantchito ambiri kuno alinso ndi ndalama zambiri. Makasitomala onse otere adzapatsidwa phindu lalikulu.

Kotero, tiyeni tipitirire ku mikhalidwe.

Ngongole yokhala ndi chitsimikizo

Ngati pali wina wotsimikizira wopuma pantchito ndiye kuti atha kubwereketsa popanda vuto.

Nthawi yobwereketsa ndi miyezi sikisite. Pa nthawi ya chiwombolo Zaka za penshoni siziyenera kupitirira zaka 75. Chiwerengero chochepa ndi 15 zikwi, chiwerengero chachikulu ndi mamiliyoni atatu. Ngati penshoni ndi yotsika kwambiri, ndiye kuti wopuma pantchito amatha kukopa obwereketsa anzawo ndipo kuchuluka kwawo komwe amapeza kudzaganiziridwanso.

Chiwongola dzanja cha ngongole yokhala ndi chitsimikizo chimachokera pa 14 peresenti pachaka.

Ngongole yopanda chitsimikizo

Ngati palibe wotsimikizira wopuma pantchito, ndiye kuti mwayi wokana ndiwokwera.

Zaka za penshoni siziyenera kupitirira zaka 65 panthawi yobwezera. Kuchuluka kwakukulu ndi ma ruble milioni imodzi ndi theka, chiwongoladzanja chimachokera ku 15 peresenti. Ndizotheka kukopa obwereka anzawo.

M'pofunika kuganizira mfundo yakuti mosasamala kanthu za kukhalapo kapena kusakhalapo kwa guarantors, chisankho chabwino chimadalira makamaka ngati wobwereka ndi kasitomala wa banki. Ngati ndi choncho, zitha kutenga maola awiri kuti mupange chisankho. Apo ayi, masiku awiri.

Mbiri ya ngongole ya wopuma pantchito imaganiziridwanso - obwereketsa achitsanzo omwe sanachedwe kubweza ali ndi mwayi wochulukirapo.

Samalaninso kuti zomwe zafotokozedwa pamwambapa zimagwira ntchito pakubwereketsa ogula, ndiye kuti, pulogalamuyi imakulolani kuti mulandire ndalama mwachindunji ku akaunti yanu yakubanki ndikuzigwiritsa ntchito mwakufuna kwanu, kuphatikiza kugula galimoto.

Mukalandira ngongole pansi pa pulogalamuyi, mumapeza zabwino zingapo:

• sikoyenera kutulutsa CASCO;
• Mutha kutulutsa OSAGO mumakampani aliwonse, osati m'makampani a inshuwaransi omwe ali ogwirizana ndi banki;
• kwa opuma pantchito, chiwongola dzanja pa ngongole ndizotsika kwambiri kuposa nzika zogwira ntchito;
• Simukuyenera kulipira chindapusa choyambirira.

Ndicho chifukwa chake achinyamata ambiri amatenga ngongole kwa makolo awo, pamene akuyendetsa galimoto - izi sizikutsutsana ndi lamulo. Kuphatikiza apo, ndizosavuta kuti wopuma pantchito atsimikizire zomwe amapeza - ingotenga satifiketi kuchokera ku Pension Fund.

Ngati tilankhula za pulogalamu yobwereketsa galimoto ya Sberbank, yomwe tidalemba kale patsamba la Vodi.su portal, imapezekanso kwa opuma pantchito, koma ndi zina zowonjezera:

• zaka zambiri ndi zaka 75 pa nthawi ya chiwombolo, ngati pali umboni wa ndalama;
• Max. zaka - zaka 65, ngati palibe satifiketi ya ndalama kapena Pension Fund.

Chiwongola dzanja cha opuma pantchito ndi chofanana ndi cha wina aliyense - kuchokera pa 13 peresenti. Kulipira kocheperako ndi 15% ya mtengowo.

Zimafunikanso kulembetsa CASCO, ndipo nthawi zina kupeza ndondomeko ya VHI, yomwe idzawononge ndalama zambiri kwa wopuma penshoni kusiyana ndi wamng'ono.

Ndiko kuti, ziribe kanthu momwe mungapotozere, koma ngongole ya ogula ndi njira yopindulitsa kwambiri, mu nkhani iyi.

Kukonza ngongole - zikalata

Pankhani ya ngongole ya ogula, pasipoti yokha ndiyofunika kuchokera kwa wopuma penshoni. Chikalata cholandira penshoni chimafunika pokhapokha ngati sali kasitomala wakubanki. Kenako muyenera kulemba fomu ndikudikirira chisankho.

Pankhani ya ngongole ya galimoto, mukufunikira zikalata zonse: pempho, mgwirizano wogulitsa ndi chizindikiro cha kulipira osachepera 15% ya mtengo, ndondomeko za OSAGO ndi CASCO, mutu wa Mutu, zolemba zotsimikizira kulipira mtengo wa ndondomeko ya CASCO (ngakhale CASCO ikhoza kuphatikizidwanso mu ngongole).

Tikutsegula...