Ngongole yagalimoto ya Sberbank ya 2014-2015
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Ngongole yagalimoto ya Sberbank ya 2014-2015

27.06.2022 /

Mu 2014, Sberbank anapereka makasitomala ake kukwezedwa zambiri zosiyanasiyana - mwayi kulandira kuchotsera pamene kulipira katundu ndi khadi banki, mwayi kulandira mabonasi osiyanasiyana ndi mphatso popanga madipoziti, ndi zina zotero. Komabe, pankhani ya ngongole zamagalimoto, zonse zidakhalabe chimodzimodzi monga momwe zidalili zaka zam'mbuyomu. Komanso, pulogalamu yothandizira ngongole ya galimoto ya boma yasiya kugwira ntchito, zomwe zinakhumudwitsa kwambiri anthu ambiri omwe ankafuna kugula galimoto pa ngongole.

Kumbukirani kuti malinga ndi pulogalamuyi, zinali zotheka kupereka ngongole ya galimoto pa 13 peresenti pachaka, 7,5 peresenti inalipidwa ndi wobwereka yekha, ndipo 5,5 peresenti inalipidwa ku banki kuchokera ku bajeti ya dziko. Monga tinalembera m'nkhani yapitayi pamasamba a Vodi.su - "Ndemanga za ngongole za galimoto kuchokera ku Sberbank" - ena obwereka adayang'anizana ndi pempho la ngongole pansi pa pulogalamuyi, ndipo patapita chaka chinapezeka kuti anali kulipira nthawi zonse. 13 peresenti, popeza thandizo la boma linatha.

Ngongole yagalimoto ya Sberbank ya 2014-2015

Kodi kubwereketsa kotereku kunkadziwika bwanji ndi ziwerengero - mu theka lachiwiri la 2013, kuyambira July mpaka December 31, magalimoto okwana 275 adagulitsidwa, omwe 23 peresenti anali zinthu za AvtoVAZ. Koma kumapeto kwa 2013, pulogalamuyo inamalizidwa pasanapite nthawi. Ndikufuna kukhulupirira kuti kuyambira 2015 boma lichitapo kanthu kuti liwukonzenso. Ngakhale kuti zinthu zachuma m’dzikoli pazifukwa zina zimatipangitsa kuganiza kuti izi sizingatheke.

Tiyeni tiyese kulingalira zomwe zinali zotheka kupeza ngongole ya galimoto ku Sberbank mu 2014.

Kodi Sberbank amapereka chiyani?

Sberbank imapereka mwayi wogula galimoto pa ngongole kwa anthu omwe ali ndi ndalama zovomerezeka, komanso kwa omwe sangathe kutsimikizira za ntchito ndi malipiro. Pachiyambi choyamba, banki idzakuikani chiwongoladzanja chochepa, chifukwa iwo adzakhala otsimikiza kuti mudzatha kukwaniritsa mfundo zonse za mgwirizano.

Ambiri aife timagwira ntchito mopanda ntchito, kapena kulandira malipiro ochepa m'dera la 5-8 zikwi, ngakhale malinga ndi zofunikira za banki, ndalama zochepa za wobwereka ziyenera kukhala 15 zikwi ku Moscow ndi St. Petersburg ndi 10 zikwi kwa onse. mizinda ina ndi midzi ya dziko lathu. Pankhaniyi, mudzakhala ndi fomu yofunsira yokwanira, pasipoti ndi chikalata china chilichonse. Mukalemba mafunso, ingosonyezani kuchuluka kwa ndalama zomwe mumapeza.

Kuti mugule galimoto pansi pa pulogalamu ya ngongole yamagalimoto, muyenera kusungitsa ndalama zosachepera 15 peresenti.

Ndikofunikiranso kupeza inshuwaransi ya CASCO ya "zowonongeka" ndi "kuba". Ngati mungafune, ndalama za inshuwaransi zitha kuwonjezeredwa ku ngongoleyo, ndipo mtengo wonse wagalimoto udzawonjezeka ndi 8-10 peresenti.

Mukapereka fomu yofunsira, mudzadikirira kwakanthawi kuti chigamulo chipangidwe. Ngati ndinu kasitomala wa banki, landirani malipiro pa khadi la banki kapena kugwira ntchito ku kampani yovomerezeka, ndiye kuti chisankho chikhoza kupangidwa mkati mwa theka la ola, maola awiri apamwamba.

Ngongole yagalimoto ya Sberbank ya 2014-2015

Muzochitika zina zonse, sizingatenge masiku opitilira awiri - zonse zimatengera kuchuluka kwa ndalama zomwe mumapeza komanso mbiri yangongole.

Chigamulochi chikavomerezedwa, muyenera kupereka zikalata zonse:

  • mgwirizano wogulitsa ndi chikalata cholipirira kuchokera ku salon, komanso cheke-cheke pakubweza;
  • kope la TCP, mgwirizano wa inshuwaransi kapena satifiketi yolipira CASCO, ngati mutenganso ngongole.

Chiwongola dzanja

Chiwongola dzanja ku Sberbank sichokwera kwambiri: 13-14,5 peresenti pachaka. Komabe, izi zili m'mabuku okha komanso pawebusayiti. Mukayang'anitsitsa, muwona nyenyezi ndi mawu apansi:

  • + 1 peresenti ngati kasitomala sakufuna kutenga inshuwaransi yake;
  • + 1 peresenti ngati kasitomala salandira malipiro ndi penshoni pa khadi lakubanki.

Mwachidule, kutsogozedwa ndi mitengo kuyambira 13 mpaka 16 peresenti - zomwe sizoyipa, chifukwa m'mabanki ena amawononga onse 30.

Anthu anzeru nthawi zonse amadziwa momwe angapezere chiwongoladzanja chochepa kwambiri, mwachitsanzo, adzapereka ngongole kwa mkazi wopuma pantchito kapena amayi omwe amalandira malipiro ndi penshoni pa khadi la banki.

Ngongole yagalimoto ya Sberbank ya 2014-2015

Ngongole nazonso ndizovomerezeka kwambiri:

  • ngongole imaperekedwa kwa magalimoto atsopano ndi ogwiritsidwa ntchito;
  • nthawi - mpaka zaka zisanu, ngakhale mutatenga zaka zisanu, mlingo udzakhala kuchokera 14,5 mpaka 16 peresenti;
  • kuchuluka kwakukulu ndi ma ruble 5 miliyoni;
  • mu madola ndi yuro musabwereke;
  • Palibe malipiro olembetsa kapena kubweza msanga.

Ndiye kuti, mutha kuwerengera kuchuluka kwa galimoto yomwe ingakuwonongereni 500 kwa zaka zisanu:

  • Zopereka 78 (CASCO imatenganso ngongole);
  • malipiro pamwezi - 10-11 zikwi;
  • overpayment - za 203 zikwi.

Ngati muli otsimikiza kuti m'zaka zisanu chuma chanu sichidzasintha kwambiri, ndiye kuti mukhoza kusankha kuitanitsa ngongole yotereyi, yomwe, makamaka, yakhala ikugwiritsidwa ntchito ndi mamiliyoni a mabanja osangalala.




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