Ngongole yagalimoto ya VTB 24 - ndemanga za obwereka

Kugula galimoto ndi ngongole ndiyo njira yokhayo yoti anthu ambiri aku Russia asinthe kuchoka pa tram ndi ma taxi okhazikika kupita kugalimoto yawoyawo. Zimenezi n’zosadabwitsa, chifukwa ngakhale m’mayiko olemera a ku Ulaya ndi ku North America, malinga ndi ziwerengero, magalimoto ambiri amagulidwa ndi ngongole, kapena pang’onopang’ono, kapenanso amagulidwa ndi ngongole.

Poganizira zosankha zogulira galimoto, timayesetsa kupeza zambiri momwe tingathere za mapulogalamu osiyanasiyana a ngongole ndi ntchito zamabanki.

Bank "VTB 24" ndi imodzi mwa yaikulu mu Russia ndipo anthu ambiri kusankha galimoto ngongole mu bungwe zachuma.

VTB 24 imapereka mapulogalamu okongola a ngongole zamagalimoto:

• "AvtoStandard" - kuchuluka kwakukulu kumafika ma ruble 5 miliyoni, chiwongola dzanja chimachokera ku 14% pachaka, chopereka chochepa chimachokera ku 15%, chitsimikiziro chovomerezeka cha ndalama ndi kulembetsa kwa CASCO, nthawi ya ngongole mpaka zaka zisanu ndi ziwiri;
• AvtoLight - mpaka 2,8 miliyoni kwa zaka zisanu ndi ziwiri, malipiro oyambirira a 20%, mlingo wa 16,5%, CASCO ikufunika, kutsimikizira ndalama ndizosankha;
• AutoExpress - chiwongoladzanja cha 18% pachaka ndi kulipira pasadakhale 20%, ngati mutulutsa popanda CASCO, ndiye kuti mlingowo udzakhala 22-25% pachaka, ndi malipiro amtsogolo - kuchokera ku 30% ya mtengo.

Komanso, mapulogalamuwa amalola osati kugula magalimoto atsopano mu kanyumba, komanso ntchito.

Mukawerenga mosamala zomwe zikuchitika, muwona kuti ndizololera poyerekeza ndi mabanki ena.

Kuphatikiza apo, zololeza zosiyanasiyana zimaperekedwa kwa makasitomala aku banki ndi olipira achitsanzo, palibe chindapusa chomwe chimaperekedwa, kupatula zomwe zafotokozedwa mu mgwirizano.

Pali kuthekera kwa kubweza msanga ngongoleyo, ndipo mutha kuchita osachepera tsiku lotsatira (ngati mutapambana lottery kapena kulandira cholowa kuchokera kwa wachibale wakutali wochokera ku America).

Ndemanga za anthu enieni za ngongole zamagalimoto kuchokera ku VTB 24

Zikuwonekeratu kuti pa tsamba lake lovomerezeka banki ikufotokoza zonse bwino kwambiri, komabe, wobwereka wovuta kwambiri adzagwiritsa ntchito njira ina yodziwira zambiri - ndemanga za ngongole ya galimoto kuchokera ku VTB 24.

Chisankho, kwenikweni, ndicholondola. Ndemanga kwa nthawi yayitali yakhala imodzi mwa njira zomwe amakonda kwambiri zofotokozera momwe munthu amaonera chinthu china. Koma, tisaiwale kuti ndemanga, monga lamulo, zimalembedwa ndi anthu okwiya kapena okhumudwa ndi chinachake. Gwirizanani, pamene zonse ziri bwino ndi inu - palibe amene amakukhazikitsani, samanyoza, samanyenga - simudzalemba ndemanga yokwiya.

Zomwezo zikhoza kunenedwa za banki: ngati munthu awerenga mosamala mawu a mgwirizano wa ngongole ya galimoto, ndipo chofunika kwambiri, amakwaniritsa, ndiye kuti alibe chodandaula. Kupatula ntchito zosauka komanso mizere yayitali, koma ili ndi vuto la banki iliyonse pafupifupi dziko lililonse padziko lapansi.

(Ndemanga zomwe zatumizidwa kwa ife ndi obwereka, mndandandawo udzasinthidwa)

Nachi chitsanzo cha yankho la munthu yemwe sanawerenge mosasamala zomwe zili m'pangano la ngongole:

Marina, Moscow, 25.08.14/XNUMX/XNUMX:

“Ndinafunsira ngongole ya galimoto, koma patapita nthaŵi ndinapeza kuti ndalama zobwereketsa zinawonjezereka ndi ma ruble 75. Nditafika kunthambi, adandiuza kuti izi zidachitika koyamba, koma mlandu utatha zidapezeka kuti mtengo wa inshuwaransi ya CASCO idawonjezedwa ku ngongoleyo. Tsopano sindikudziwa komwe ndingapeze ndondomeko yomwe ndikulipira kale ... "

Zomwe zilili ndizosamvetsetseka: mwina Marina sanamvetsetse kuti inshuwaransi ya CASCO ndiyofunikira, kapena adasokoneza CASCO ndi OSAGO. Wogwira ntchito ku bankiyo anamuuza kuti alankhule ndi ofesiyo kuti imufotokozere. Mapeto - werengani mosamala mikhalidwe, kwa makasitomala ena osati CASCO, koma VMI kapena DSAGO ndizovomerezeka.

Kuphatikiza apo, galimoto yobwereketsa imatha kukhala inshuwaransi mwa omwe ali ndi IC a salon.

Ndemanga ina kuchokera ku opera yomweyi:

Nikolai Sobakinskikh, Novosibirsk, 3.10.14/XNUMX/XNUMX:

"Ndidatenga ngongole yagalimoto, pansi pa pulogalamu ya VHI idaphatikizidwa mu ngongoleyo. Banki inandiuza kuti ngati ndibweza ndalamazo pasanathe masiku 21, ndiye kuti nditha kukana VMI ndipo mtengo wa VMI udzabwezedwa kwa ine kuchotsera 18%. Ngongoleyo inabwezeredwa pasanathe nthawi (m’masiku 6 !!!), koma anakana kundibwezera mtengo wa VHI (inshuwaransi).”

Woyang'anira ngongoleyo adayankha kuti posaina panganoli, Nikolai amayenera kuwerenga mosamala kwambiri: banki idasamutsa ndalama za VMI kwa zaka 5 kukampani ya inshuwaransi, chifukwa chake muyenera kulumikizana ndi kampani ya inshuwaransi ndikuwafunsa kuti athetse. mgwirizano wa inshuwaransi, osati ku banki. Bankiyi, pakadali pano, idapereka inshuwaransi ku zoopsa zomwe zingachitike, popeza mgwirizano wangongole udamalizidwa kwa zaka 5.

Mukhozanso kutchula ndemanga zingapo zoterezi, zomwe zikuwonekeratu kuti anthu samawerenga mosamala mawu a mgwirizano.

Chiwerengero chachikulu cha ndemanga zoipa ponena za ntchito yosakonzekera ya VTB 24 ndizodabwitsa.

Mwachitsanzo, mzinda wa Oksana sunatchulidwe, analemba, kuti watseka ngongole yagalimoto kwa nthawi yayitali, koma amamuimbirabe ndikumuuza kuti atseke ngongole yotsalayo. Amapita ku dipatimenti kuti akabwereke ngongole, komwe amauzidwa kuti akufunikabe kutseka ndalama zina, koma ku Call Center oyendetsa amatsimikizira kuti ngongoleyo yatsekedwa.

Pamodzi ndi zoipa izi, pali ndemanga zabwino zambiri.

Mwachitsanzo, mtsikana wina dzina lake Caprice4You Iye analembakuti adalandira ngongole ya 400 zikwi popanda vuto lililonse, ngakhale kuti anali ndi zaka 21 zokha. Akuti analipira mosazengereza, chiwongola dzanja, komabe, ndichokwera - 23 pachaka, koma panthawiyo sanapeze chilichonse chabwino.

Tsoka ilo, pali ndemanga zabwino zochepa, koma izi sizikutanthauza kuti banki ndi yoipa, koma kuti anthu amagwiritsidwa ntchito kugawana nawo mavuto awo, ndipo pamene zonse zili bwino, palibe cholembera.

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