Imalimboleko yemoto eSberbank yabahola impesheni

I-Sberbank yaseRussia inikeza abahola impesheni ithuba lokuthola imalimboleko yemoto, ngaphezu kwalokho, i-Sberbank yaba ngowokuqala ukuhlinzeka ngenkonzo enjalo.

Izimo zokubolekwa kwemali ziheha kakhulu futhi lokhu kuphoqa abantu abaningi abangakayithathi umhlalaphansi ukuthi bafake izicelo zokubolekwa egameni labo, kodwa egameni labazali babo asebekhulile.

Emakhasini we-portal ye-Vodi.su, sesivele sibhala mayelana nokubolekwa kwezimoto ezivela ku-Sberbank, kulesi sihloko sizozama ukukhuluma ngemali mboleko yemoto yabahola impesheni - izimo, inzalo, imibhalo edingekayo.

Imibandela yokubolekwa kwemoto kwabahola impesheni kwaSberbank

Noma yimuphi umuntu oncibilikayo angathenga imoto ngemalimboleko yasebhange. I-Sberbank inikeza uhlelo olukhethekile lwabahola impesheni. Kuyaphawuleka ukuthi usayizi wezimpesheni eRussia namanje akakafinyeleli ezingeni laseYurophu, ngakho-ke, abahola impesheni bayasola nganoma iyiphi imali ebolekiwe.

Uma kwenzeka ukuthi inani lempesheni alanele ukuthola isinqumo esihle, ibhange linikeza ukuheha ama-guarantors noma ababolekayo - izingane, umlingani, isihlobo esiseduze.

Isinqumo esihle sizokwenziwa uma ama-guarantors noma ababolekayo benikeza imvume yabo.

Ibhange liphinde licabangele ukuthi abaningi abahola impesheni bangamakhasimende e-Sberbank, abahola impesheni emakhadini asebhange. Abaningi abahola impesheni lapha nabo banemali enkulu yokonga. Wonke amakhasimende anjalo azonikezwa izinzuzo ezibalulekile.

Ngakho-ke, ake siqhubekele ezimeni.

Imalimboleko enesiqinisekiso

Uma kukhona umuntu ozoqinisekisa ukuthi uzohola impesheni, angakwazi ukuboleka imali ngaphandle kwezinkinga.

Isikhathi semalimboleko singafika ezinyangeni ezingamashumi ayisithupha. Ngesikhathi sokukhulelwa Iminyaka yomuntu ohola impesheni akumele idlule iminyaka engama-75. Inani elincane liyinkulungwane eziyi-15, inani eliphakeme liyizigidi ezintathu. Uma impesheni iphansi kakhulu, lowo ohola impesheni angaheha ababoleka kanye nezinga labo lemali engenayo nalo lizocatshangelwa.

Inzalo yemali mboleko enesiqinisekiso isuka kumaphesenti ayi-14 ngonyaka.

Imalimboleko ngaphandle kwesiqinisekiso

Uma kungekho muntu ozoqinisekisa ukuthi uhola impesheni, maningi amathuba okuthi enqabe.

Iminyaka yomuntu ohola impesheni akumele idlule iminyaka engama-65 ngesikhathi sokukhokha. Inani eliphakeme liyi-ruble eyisigidi nesigamu, izinga lenzalo lisuka kumaphesenti angu-15. Kungenzeka ukuheha ababoleka ngokubambisana.

Kudingeka ukugxila eqinisweni lokuthi kungakhathaliseki ukuthi kukhona noma ukungabikho kwabanikezeli be-guarantors, isinqumo esihle sincike kakhulu ekutheni umboleki uyiklayenti lasebhange. Uma kunjalo, kungase kuthathe amahora angu-2 ukwenza isinqumo. Kungenjalo, izinsuku ezimbili.

Umlando wesikweletu somuntu osempeshenini nawo uyacatshangelwa - ababolekayo abayisibonelo abangabanga nokubambezeleka ekukhokheni banamathuba amaningi.

Naka futhi ukuthi imibandela echazwe ngenhla iyasebenza ekubolekweni komthengi, okungukuthi, lolu hlelo lukuvumela ukuthi uthole imali ngokuqondile ku-akhawunti yakho yasebhange futhi uyisebenzise ngokubona kwakho, kuhlanganise nokuthenga imoto.

Uma uthola imalimboleko ngaphansi kwalolu hlelo, uthola izinzuzo eziningi:

• akudingekile ukukhipha i-CASCO;
• Ungakhipha i-OSAGO kunoma iyiphi inkampani, futhi hhayi kuphela kulezo zinkampani zomshuwalense ezingabalingani bebhange;
• kwabahola impesheni, inzalo emalini ebolekiwe iphansi kakhulu kuneyabahlali abasebenzayo;
• Awudingi ukukhokha imali yokuqala.

Yingakho intsha eningi iboleka abazali bayo, kuyilapho izishayela yona ngokwayo imoto - lokhu akuphambene nomthetho. Ngaphezu kwalokho, kulula kakhulu kumuntu ohola impesheni ukuthi aqinisekise iholo lakhe - vele athathe isitifiketi eSikhwameni Sempesheni.

Uma sikhuluma ngohlelo olujwayelekile lokubolekwa kwemoto oluvela ku-Sberbank, esesivele sabhala ngalo ngaphambili emakhasini we-portal ye-Vodi.su, khona-ke iyatholakala nakubahola impesheni, kodwa ngemibandela eyengeziwe:

• iminyaka yobudala engu-75 ngesikhathi sokuhlengwa, uma kunobufakazi bemali engenayo;
• Ubukhulu. ubudala - iminyaka engama-65, uma singekho isitifiketi semali engenayo noma eSikhwameni Sempesheni.

Inzalo yabahola impesheni iyafana neyawo wonke umuntu - isuka ku-13%. Inkokhelo ephansi ingu-15% wezindleko.

Kudinga futhi ukubhaliswa kwe-CASCO, futhi ngezinye izikhathi ukutholwa kwepholisi ye-VHI, okuzobiza kakhulu kumuntu ohola impesheni kunomuntu omncane.

Okusho ukuthi, kungakhathaliseki ukuthi uyisonta kanjani, kodwa isikweletu somthengi siyindlela enenzuzo kakhulu, kulokhu.

Ukucubungula imalimboleko - imibhalo

Endabeni yemalimboleko yomthengi, ipasipoti kuphela edingekayo kumuntu ohola impesheni. Isitifiketi sokuthola impesheni sidingeka kuphela uma engelona ikhasimende lasebhange. Khona-ke udinga nje ukugcwalisa ifomu bese ulinda isinqumo.

Endabeni yokubolekwa kwemoto, udinga isethi ephelele yamadokhumenti: isicelo, inkontileka yokuthengisa enophawu lokukhokha okungenani u-15% wezindleko, izinqubomgomo ze-CMTPL kanye ne-CASCO, ikhophi yesihloko, ikhophi yamadokhumenti. eqinisekisa ukukhokhwa kwezindleko zenqubomgomo ye-CASCO (yize i-CASCO nayo ingafakwa emalini ebolekiwe).

Iyalayisha...