Ukusebenza kwemishini

Imali mboleko yemoto e-Sberbank - inzalo nemibandela yokutholwa

27.06.2022 /

I-Sberbank iyibhange elikhulu kunazo zonke eRussia, izimpahla zayo zidlula ama-ruble angu-17 trillion. Ibhange linenethiwekhi ebanzi kakhulu yamagatsha ezweni lonke, futhi akuyona imfihlo ukuthi inani elikhulu lamaRussia likhetha ukusebenzisa izinsizakalo zaleli bhange, ikakhulukazi manje, esimweni senkinga yezezimali engakwazi ukuphela nganoma iyiphi indlela.

Uhlelo lwemalimboleko ye-Sberbank, kufanele kuqashelwe, akuyona into ekhangayo kakhulu, ngisho naphakathi kwamabhange aseRussia, futhi asikho isidingo sokukhuluma ngamabhange aseYurophu.

Zahlulele wena: eJalimane, inzalo yemali mboleko yemoto enenkokhelo yokuqala ye-15-30 yamaphesenti ezindleko ezilinganisa amaphesenti angu-5,5-5,75 ngonyaka, e-Sberbank - 15. Amazwana abalulekile.

Ake sihlolisise ukuthi iSberbank inganikeza labo bantu abafuna ukuthenga imoto ngesikweletu.

Imali mboleko yemoto e-Sberbank - inzalo nemibandela yokutholwa

Izinzuzo zokubolekwa kwemoto kwaSberbank

Enye yezinzuzo eziyinhloko zokuboleka kuleli bhange ukungabikho kwesidingo sokuqinisekisa iholo lakho. Inani eliphakeme lifinyelela kuma-ruble ayizigidi ezinhlanu, kuze kufike ezinsukwini ezimbili zokusebenza kwabelwe ukucutshungulwa kwesicelo nokwenza isinqumo ngesikweletu. Uma umuntu eyiklayenti le-Sberbank, khona-ke isinqumo singenziwa phakathi nehora elilodwa.

Ngemva kokwenza isinqumo esihle kuklayenti kufika ezinsukwini ezingu-90 ukukhetha imoto, futhi kungaba imodeli entsha evela endaweni ethengisa izimoto noma imoto esetshenzisiwe.

Amadokhumenti okuthola imali mboleko yemoto

Uma ukhetha i-Sberbank, udinga ukwethula imibhalo elandelayo ukuze uthole inani elidingekayo lezimali:

  • imibhalo emibili eqinisekisa ukuthi ungubani - ipasipoti enokubhaliswa kwaseRussia kanye nanoma yimuphi omunye umbhalo (ipasipoti, i-ID yezempi, isitifiketi sokuzalwa, ilayisense yokushayela, njalonjalo);
  • isicelo sokubolekwa imoto.

Empeleni, yilokhu kuphela, nakuba ufuna ukuqinisekisa iholo lakho, unganikeza ikhophi yencwadi yomsebenzi kanye nesitatimende semali engenayo yakamuva. Ngaphezu kwalokho, kuvunyelwe ukuhlinzeka ngamadokhumenti aqinisekisa izinga lokuqashwa kanye neholo lezihlobo zakho eziseduze, kanye nomlingani wakho womshado.

Lapho ithuba lokuthola imali ebolekiwe yemoto liqinisekisiwe, udinga ukuhlinzeka ngemibhalo elandelayo evela kumdayisi wezimoto:

  • isivumelwano sokudayiswa kwemoto oyikhethile;
  • ikhophi yepasipoti yemoto;
  • i-invoyisi yokukhokhwa kwemoto nawo wonke amaphrimiyamu omshwalense (OSAGO kanye ne-CASCO eyisibopho).

Imfuneko ukuhlinzekwa kwedokhumenti yokukhokha eqinisekisa ukukhokhwa okungenani kwamaphesenti angu-15 ezindleko zemoto. Ngaphandle kwenkokhelo ephansi ye-15%, ngeke kwenzeke ukubolekwa kwemoto e-Sberbank.

I-CASCO nayo ingakhishwa ngesikweletu, lapho uzodinga ukuhlinzeka nge-invoyisi ukuze kukhokhwe iphrimiyamu yomshwalense.

Izakhamuzi ezineminyaka engu-21 kuya ku-75 ubudala zingathola imali mboleko yemoto e-Sberbank, futhi umboleki kufanele abe neminyaka engu-75 ngesikhathi sokukhokha imali mboleko. Uma isakhamuzi sithatha imali mboleko yemoto ngaphandle kokuqinisekisa izinga lomholo waso, khona-ke isikhathi esiphezulu siyiminyaka engama-65.

Imali mboleko yemoto e-Sberbank - inzalo nemibandela yokutholwa

Umbandela owodwa obalulekile ukuthi ngisho noma uthola imali ebolekiwe ngaphandle kokuqinisekisa iholo lakho, isamba esiphelele seminyaka engu-5 yokugcina kufanele sibe okungenani unyaka owodwa.

Futhi manje okuthakazelisa kakhulu - amanani enzalo emalimboleko yemoto evela kwa-Sberbank yaseRussia

Imali mboleko yemoto evela ku-Sberbank ingakhishwa isikhathi sezinyanga ezintathu kuya eminyakeni emihlanu. Uma isikhathi sokubolekwa siside, izinga lenzalo liyakhuphuka.

Amazinga enzalo ka-2014 ami kanje:

  • imalimboleko ithathwa unyaka - amaphesenti ayi-14,5 ngonyaka;
  • kusukela ngonyaka owodwa kuya kwemithathu - amaphesenti angu-15,5;
  • kusuka kokuthathu kuya kwemihlanu - amaphesenti ayi-16.

Uma umuntu efaka idiphozi kuleli bhange noma ekhadini lomholo le-Sberbank futhi ethola imali njalo, khona-ke amanani ancishiswa ngamaphesenti angu-XNUMX.

Njengoba ubona, inketho enenzuzo kakhulu esimweni se-Sberbank yimali mboleko yonyaka owodwa noma emibili. Uma inkokhelo ephansi iphezulu, inkokhelo engaphezulu iyancipha. Ukuze ubale ukuthi uzokhokha malini ngokweqile, ungasebenzisa isibali semalimboleko.

Uma uthatha imoto iminyaka engu-5 ngamaphesenti angu-16, ngakho-ke uzokhokha ngaphezu kuka-80% yenani layo - hhayi ithemba elinenzuzo kakhulu.

Izinkokhelo zemalimboleko zenziwa nyanga zonke, ukubambezeleka, njengenjwayelo, kuholela ezijezisweni - ukwanda kwezinga lenzalo kumaphesenti angu-20 yenani lenhlawulo. Okungukuthi, asikho isidingo sokudlala kulolu daba. Ezimweni ezimbi kakhulu, ibhange lizophoqeleka ukuthi lithathe imoto, liyibeke ukuze ithengiswe ukuze likhokhe inhlawulo, futhi yonke imali esele izobuyiselwa kumboleki - okungukuthi, kulokhu, ukulahlekelwa kwezimali kuzoba. okubalulekile, njengoba izimoto zezikweletu ezisetshenzisiwe ngokuvamile zibiza ngaphansi ngo-20% kunezindleko zazo zangempela .

Ukuthenga imoto ngesikweletu kuyisinqumo esingathi sína, ngakho-ke hlola kahle zonke izingozi, bonisana namalungu omndeni wakho. Qinisekisa ukuthi usebenzisa i-calculator yemalimboleko futhi ubone ukuthi ungakwazi yini ukunikeza ngokungenabuhlungu inani lama-ruble ayizinkulungwane ezingu-5-10-20 ngenyanga ngesabelomali sakho.




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