Imalimboleko yemoto eBhange Lesikweletu Lasekhaya
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Imalimboleko yemoto eBhange Lesikweletu Lasekhaya

27.06.2022 /

I-Home Credit Bank ingenye yezinsizakalo zezezimali ezihamba phambili eRussia. Mayelana nokubolekwa kwabantu ngo-2012, kwathatha indawo yesithathu, inani lemali yebhange lifinyelela kuma-ruble ayizigidi eziyizinkulungwane ezingu-50, futhi imali engenayo yeminyaka ehlukene ishintshashintsha phakathi kwama-ruble ayizigidi eziyizinkulungwane ezingu-15-20.

Izinsizakalo zebhange zisetshenziswa izigidi zabantu baseRussia, inethiwekhi yamagatsha nama-ATM ithuthukiswa, ibhange liphinde lihlanganyele emisebenzini yokusiza umphakathi.

Izikweletu zemoto ezivela eBhange Lesikweletu Lasekhaya

Ibhange linikeza amakhasimende alo izinhlelo eziningi zemalimboleko yokuthenga imoto.

Izinhlelo zokuthola izimali ngendlela engafanele, okungukuthi, ungathola inani kusuka kuma-ruble ayizinkulungwane ezingu-50 kuya kwezingu-500 futhi ulisebenzise ngokubona kwakho.

Lolu hlelo lunakho kokubili okuhle nokubi.

Umthengi:

  • izinga eliphezulu lenzalo yonyaka - 23,9% ngonyaka;
  • izidingo eziqinile zamaklayenti - qiniseka ukuthi ubonisa imithombo yemali engenayo, umlando omuhle wesikweletu, iminyaka yobudala esukela ku-23 kuya ku-64.

Okusho ukuthi, empeleni, uthola imali ngokheshi ekhadini lasebhange futhi uthenge noma yini oyifunayo. Uhlelo olunjalo luphinde lusho izici ezithile ezinhle:

  • akudingekile ukukhipha i-CASCO ngaphandle kokwehluleka;
  • uma uthenga imoto esetshenzisiwe, khona-ke kungase kube unyaka wangaphambili wokukhiqiza kunalokho okudingwa yiwo wonke amabhange (engekho ngaphezu kweminyaka emi-5 yezimoto zasekhaya, kanye ne-10 yezimoto zakwamanye amazwe);
  • ngokushesha uba umnikazi ogcwele wemoto futhi unawo wonke amadokhumenti ezandleni zakho, okungukuthi, uma ufisa, ungakwazi ukuthengisa kabusha imoto, unikele ngaphambi kokuhlengwa.

Ukuze uthole imali mboleko enjalo, uzodinga isethi ejwayelekile yamadokhumenti:

  • ipasipoti kanye nenye idokhumenti yokuqinisekisa ubuwena (ipasipoti, i-ID yezempi, i-VU, isitifiketi sempesheni);
  • imibhalo yokuqinisekisa i-solvency (isitifiketi somholo, ikhophi yencwadi yomsebenzi, inqubomgomo ye-CASCO, i-PTS, ipasipoti enesitembu sokuya phesheya ngonyaka odlule, njll.)

Isicelo semalimboleko sicatshangelwa kuze kube yizinsuku ezinhlanu futhi imali ifakwa ekhadini lakho ngokushesha. Isikhathi sokubolekwa singafika ezinyangeni ezingama-60. Udinga ukubuyisela imali ebolekiwe ngezingxenye ezilinganayo nganoma iyiphi indlela etholakalayo, awekho amakhomishana okubhalisa nokukhokha ngaphambi kwesikhathi.

Uma ungumuntu ohola impesheni, kukhona uhlelo lwempesheni kuwe, nakuba ungathola izinkulungwane ezingu-150 kuphela, kodwa ngezinga lenzalo eliphansi - 22,9 ngonyaka. Imibandela yokubhalisa kanye nenkokhelo iyafana.

Imalimboleko yemoto eBhange Lesikweletu Lasekhaya

Izinhlelo ezikhethekile zokubolekwa kwemoto

I-Home Credit Bank iphinde inikeze nenani lezinhlelo ezihlosiwe zokuthengwa kwezimoto. Okuvame kakhulu ukuthi "I-AUTOMANIA“. Luyini lolu hlelo futhi yiziphi izinzuzo zalo?

Into yokuqala ebamba iso lakho inani elincane lemalimboleko - akukho ngaphezu kwezinkulungwane ze-500, okungukuthi, lolu hlelo luhloselwe ukuthenga izimoto zebhajethi. Isikhathi okudingeka ukhokhe ngaso imalimboleko singafika eminyakeni emi-4.

Izimoto zingathengwa kokubili ezintsha futhi ezisetshenziswa. Zonke lezo zakhamuzi ezinokubhaliswa kweRussia kanye nomthombo ongapheli wemali engenayo zingafaka isicelo semali mboleko - isitifiketi semali engenayo siyadingeka.

Imali mboleko ikhishwa ngokwenqubo evamile. Ukhetha imodeli yemoto evumelana nawe, umnikazi noma abaphathi besaluni bakunikeza i-invoyisi, oya ngayo ebhange noma uxhumane nomxhumanisi wezikweletu. Ukuze uthole isinqumo esihle, veza wonke amadokhumenti adingekayo kanye nesitatimende semali engenayo okokugcina. Ukucabangela kungathatha izinsuku ezinhlanu, ngemva kwalokho imali idluliselwe ku-akhawunti yakho.

Kodwa kunenye enzima kakhulu ethi "KODWA" - izinga lizofika kumaphesenti angu-29,9 ngonyaka. Ukuze unciphise, udinga ukubhalisa imoto njengesibambiso ebhange phakathi nezinyanga eziyisishiyagalolunye ngemva kokuthenga. Ngaphansi kwalesi simo, izinga lehliswa ngokuzenzakalelayo libe ngu-18,9%. Uma imoto isithenjiswe isibambiso ebhange, uzothola kuphela ikhophi Yetayitela, futhi uyothola eyangempela ezandleni zakho ngemva kokuyikhokha. Udinga futhi ukufaka isicelo se-CASCO.

Zikhona nezinye izinhlelo okuhloswe ngazo ukuthenga izimoto esezike zasetshenziswa nezintsha. Uhlelo Lwezimoto Ezintsha likuvumela ukuthi uthenge imoto ebiza ama-ruble ayizigidi eziyisigidi nesigamu. Izinga lenzalo lincike enanini lenkokhelo yokuqala kanye nesikhathi semalimboleko, isilinganiso esincane singamaphesenti ayi-14,9.

Kukhona nohlelo lokuthenga imoto esetshenzisiwe ngenani elingafika kuma-ruble ayizigidi eziyi-1,5. Isilinganiso senzalo esincane sizosuka kumaphesenti angu-16,9 ngonyaka. Isikhathi semalimboleko sifinyelela eminyakeni emi-4, umboleki udinga ukuqinisekisa izinga lomholo wakhe.

Kuyafaneleka futhi ukusho ukuthi ibhange linobambiswano nabadayisi bezimoto ezihlukahlukene, ngaphezu kwalokho, ngezinye izikhathi ukukhushulwa okuhlukahlukene kwenziwa, futhi izinguquko zenziwa ezinhlelweni ezithile. Ukuze usizakale ngomnikelo wokuphromotha, udinga ukufunda ngokucophelela imigomo, ngoba amakhasimende amaningi agqolozela ezikhangisweni ezifana nokuthi “amaphesenti angu-5,9 ngonyaka, kanye nesethi yamasondo asebusika njengesipho.” Kodwa-ke, lapho kuhlolwa ngokucophelela, kuvela ukuthi izimo ezinjalo zisebenza kuphela lapho kwenziwa inkokhelo yokuqala engaphezu kwamaphesenti angu-50, noma imodeli ethile kuphela.




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