Ngongole yamagalimoto ku Sberbank - chiwongola dzanja ndi mikhalidwe yopezera

Sberbank ndiye banki yayikulu kwambiri ku Russia, chuma chake chimaposa ma ruble 17 thililiyoni. Bankiyi ili ndi nthambi zambiri m'dziko lonselo, ndipo sizobisika kuti anthu ambiri aku Russia amakonda kugwiritsa ntchito ntchito za banki iyi, makamaka tsopano, pamavuto azachuma omwe sangathe kutha mwanjira iliyonse.

Pulogalamu ya ngongole ya Sberbank, ziyenera kukumbukiridwa, sizowoneka bwino kwambiri, ngakhale pakati pa mabanki aku Russia, ndipo palibe chifukwa choyankhula za mabanki a ku Ulaya.

Dziweruzireni nokha: ku Germany, chiwongoladzanja pa ngongole ya galimoto ndi malipiro oyambirira a 15-30 peresenti ya mtengo wapakati pa 5,5-5,75 peresenti pachaka, ku Sberbank - 15. Ndemanga ndizopanda pake.

Tiyeni tione mwatsatanetsatane zomwe Sberbank angapereke kwa anthu amene akufuna kugula galimoto pa ngongole.

Ubwino wa ngongole yagalimoto kuchokera ku Sberbank

Chimodzi mwazabwino kwambiri pakubwereketsa ku banki iyi ndikuti palibe kufunika kotsimikizira zomwe mumapeza. Kuchuluka kokwanira kumafika ma ruble mamiliyoni asanu, mpaka masiku awiri ogwira ntchito amaperekedwa kuti aganizire zofunsira ndikusankha ngongole. Ngati munthu ndi kasitomala wa Sberbank, chigamulo chikhoza kupangidwa mkati mwa ola limodzi.

Pambuyo popanga chisankho chabwino kwa kasitomala mpaka masiku 90 kusankha galimoto, ndipo ikhoza kukhala chitsanzo chatsopano kuchokera ku malo ogulitsa magalimoto kapena galimoto yogwiritsidwa ntchito.

Zolemba zopezera ngongole yagalimoto

Mukasankha Sberbank, muyenera kupereka zikalata zotsatirazi kuti mulandire ndalama zofunika:

• zikalata ziwiri zotsimikizira kuti ndinu ndani - pasipoti yokhala ndi kulembetsa ku Russia ndi chikalata china chilichonse (pasipoti, ID yankhondo, satifiketi yobadwa, layisensi yoyendetsa, ndi zina zotero);
• ntchito yobwereketsa galimoto.

M'malo mwake, izi ndizo zonse, ngakhale ngati mukufuna kutsimikizira ndalama zomwe mumapeza, mutha kupereka buku lantchito ndi ndondomeko ya ndalama zaposachedwa. Kuphatikiza apo, amaloledwa kupereka zikalata zotsimikizira ntchito ndi kuchuluka kwa ndalama za wachibale wanu, komanso mwamuna kapena mkazi wanu.

Kuthekera kopeza ngongole yamagalimoto kutsimikiziridwa, muyenera kupereka zikalata zotsatirazi kuchokera kwa ogulitsa magalimoto:

• mgwirizano wogulitsa galimoto yomwe mwasankha;
• kopi ya pasipoti yagalimoto;
• invoice yolipira galimoto ndi ndalama zonse za inshuwaransi (OSAGO ndi CASCO yovomerezeka).

Chofunikira ndikupereka chikalata cholipira chotsimikizira kulipira osachepera 15 peresenti ya mtengo wagalimoto. Popanda malipiro a 15%, sizingatheke kupeza ngongole ya galimoto ku Sberbank.

CASCO itha kuperekedwanso pa ngongole, pomwe muyenera kupereka invoice kuti mulipire ndalama za inshuwaransi.

Nzika zazaka zapakati pa 21 mpaka 75 zimatha kulandira ngongole yagalimoto ku Sberbank, ndipo wobwereka ayenera kukhala ndi zaka 75 panthawi yobweza ngongole. Ngati nzika itenga ngongole yagalimoto popanda kutsimikizira kuchuluka kwa ndalama zomwe amapeza, ndiye kuti zaka zambiri ndi zaka 65.

Chinthu chimodzi chofunikira ndi chakuti ngakhale mutalandira ngongole popanda kutsimikizira ndalama zomwe mumapeza, zonse zomwe mwakumana nazo pazaka zisanu zapitazi ziyenera kukhala zosachepera chaka chimodzi.

Tsopano chosangalatsa kwambiri - chiwongola dzanja pa ngongole yagalimoto kuchokera ku Sberbank yaku Russia

Ngongole yamagalimoto kuchokera ku Sberbank imatha kuperekedwa kwa miyezi itatu mpaka zaka zisanu. Nthawi yobwereketsa italikirapo, ndiye kuti chiwongola dzanja chimakwera.

Chiwongola dzanja cha 2014 ndi motere:

• ngongole imatengedwa kwa chaka - 14,5 peresenti pachaka;
• kuyambira chaka chimodzi mpaka zitatu - 15,5 peresenti;
• kuyambira atatu mpaka asanu - 16 peresenti.

Ngati munthu ali ndi ndalama mu banki iyi kapena khadi la malipiro la Sberbank ndipo amalandira ndalama nthawi zonse, ndiye kuti mitengoyo imachepetsedwa ndi peresenti imodzi.

Monga mukuonera, njira yopindulitsa kwambiri pa Sberbank ndi ngongole kwa chaka chimodzi kapena ziwiri. Kukwera kwa malipiro otsika, kumachepetsanso kubweza. Kuti muwerenge kuchuluka kwa ndalama zomwe muyenera kulipira, mutha kugwiritsa ntchito chowerengera cha ngongole.

Ngati mutenga galimoto kwa zaka 5 pa 16 peresenti, ndiye chifukwa chake mudzalipira 80% ya mtengo wake - osati chiyembekezo chopindulitsa kwambiri.

Malipiro a ngongole amapangidwa mwezi uliwonse, kuchedwa, monga mwachizolowezi, kumabweretsa zilango - kuwonjezeka kwa chiwongoladzanja kufika pa 20 peresenti ya kuchuluka kwa chilango. Ndiko kuti, palibe chifukwa chochitira nthabwala pankhaniyi. Zikavuta kwambiri, banki idzakakamizika kutenga galimotoyo, kuiyika kuti igulitse kuti ilipire chilango, ndipo ndalama zonse zotsala zidzabwezeredwa kwa wobwereka - ndiye kuti, pamenepa, kuwonongeka kwachuma kudzakhala. Chofunika kwambiri, popeza magalimoto ogwiritsidwa ntchito nthawi zambiri amawononga 20% poyerekeza ndi mtengo wake woyambirira .

Kugula galimoto pa ngongole ndi chisankho chachikulu, choncho ganizirani zoopsa zonse, funsani achibale anu. Onetsetsani kuti mukugwiritsa ntchito chowerengera cha ngongole ndikuwona ngati mungathe kupereka ndalama zokwana 5-10-20 pamwezi pa bajeti yanu.

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