Imalimboleko yemoto ye-VTB 24 - ukubuyekezwa kwababoleki

Ukuthenga imoto ngesikweletu kungokwabantu abaningi baseRussia okuwukuphela kwendlela ekugcineni bashintshe ukusuka kumathilamu namakhumbi baye ukushayela izimoto zabo. Lokhu akumangazi, ngoba ngisho nasemazweni acebile aseYurophu naseNyakatho Melika, ngokwezibalo, amaphesenti amakhulu ezimoto zithengwa ngesikweletu, noma kancane kancane, noma ziyaqashiswa.

Lapho sicabangela izinketho zokuthenga imoto, sizama ukuthola ulwazi oluningi ngangokunokwenzeka mayelana nezinhlelo ezihlukahlukene zezikweletu nezinsizakalo zasebhange.

I-VTB 24 Bank ingenye yezinkulu eRussia futhi abantu abaningi banquma ukuthatha imali mboleko yemoto nalesi sikhungo sezimali.

I-VTB 24 inikeza izinhlelo ezikhangayo zokubolekwa kwemoto:

• I-AutoStandard - inani eliphakeme lifika kuma-ruble ayizigidi ezingu-5, izinga lenzalo lisuka ku-14% ngonyaka, umnikelo omncane - kusuka ku-15%, ukuqinisekiswa okuphoqelekile kwemali engenayo kanye nokubhaliswa kwe-CASCO, isikhathi semalimboleko kuze kube yiminyaka eyisikhombisa;
• I-AutoLight - kuze kufike ezigidini ezingu-2,8 kuze kube yiminyaka eyisikhombisa, umnikelo wokuqala ovela ku-20%, izinga elisuka ku-16,5%, i-CASCO eyimpoqo, ubufakazi bokuthola imali ngokuzikhethela;
• I-AutoExpress - izinga lenzalo kusuka ku-18% ngonyaka kanye nokukhokha kusengaphambili kusuka ku-20%, uma ufaka isicelo ngaphandle kwe-CASCO, izinga lizoba ngu-22-25% ngonyaka, kanye nokukhokha kusengaphambili - kusuka ku-30% yezindleko.

Ngaphezu kwalokho, lezi zinhlelo azivumeli kuphela ukuthengwa kwezimoto ezintsha endaweni yokubonisa, kodwa futhi ezisetshenzisiwe.

Uma ufunda ngokucophelela imibandela, sizobona ukuthi iyabekezelela uma iqhathaniswa namanye amabhange.

Ngaphezu kwalokho, amakhasimende asebhange nabakhokhi abayisibonelo anikezwa izivumelwano zemvume ezihlukahlukene; azikho izimali zesevisi ezikhokhiswayo ngaphandle kwalezo ezishiwo esivumelwaneni.

Kungenzeka ukubuyisela imali ebolekiwe kusenesikhathi, futhi ungakwenza lokhu ngisho nangosuku olulandelayo (uma uwina ilotho noma uthola ifa lesihlobo esikude esivela eMelika).

Izibuyekezo ezivela kubantu bangempela mayelana nokubolekwa kwemoto kwa-VTB 24

Kusobala ukuthi ekhasini layo elisemthethweni ibhange lichaza yonke into ngendlela engcono kakhulu, noma kunjalo, umuntu obolekayo obalulekile uzophendukela kwenye indlela yokuthola ulwazi - ukubuyekezwa kwezimali mboleko zemoto ezivela ku-VTB 24.

Isinqumo, ngokomthetho, silungile ngokuphelele. Ukubuyekezwa sekuyisikhathi eside kube enye yezindlela ezithandwayo zokuveza isimo sengqondo somuntu mayelana nesenzakalo esithile. Kodwa, kufanele kuqashelwe ukuthi ukubuyekezwa, njengomthetho, kubhalwe ngabantu abathukuthele noma abacasulwe okuthile. Vumelana, lapho yonke into ihamba kahle nawe - akekho okumisayo, okuthukayo, noma okukhohlisayo - ngeke ubhale isibuyekezo esicasukile.

Okufanayo kungashiwo ngebhange: uma umuntu efunda ngokucophelela imigomo yesivumelwano sokubolekwa kwemoto, futhi okubaluleke kakhulu, uyayifeza, ngakho-ke akukho lutho lokukhononda ngakho. Ngaphandle kwenkonzo engeyinhle nolayini abade, kodwa lena inkinga yanoma yiliphi ibhange cishe kunoma yiliphi izwe emhlabeni.

(Impendulo ithunyelwe kithi ngababoleki, uhlu luzobuyekezwa)

Nasi isibonelo sokubuyekeza okuvela kumuntu ongazange ayifunde ngokucophelela imigomo yesivumelwano semalimboleko:

Marina, Moscow, 25.08.14/XNUMX/XNUMX:

“Ngaboleka imoto, kodwa ngemva kwesikhashana ngathola ukuthi imali ebolekiwe inyuke ngama-ruble ayizinkulungwane ezingu-75. Ngithe uma ngifika emnyangweni bangitshela ukuthi kuyaqala ukwenzeka kubo kodwa ngemuva kophenyo kwatholakala ukuthi izindleko zomshwalense we-CASCO zengezwe emalini ebolekiwe. Manje angazi ukuthi ngingawuthathaphi umshwalense engivele ngiwukhokhela...”

Isimo asicaci kahle: noma uMarina wayengaqondi ukuthi umshuwalense we-CASCO uyimpoqo, noma wadidanisa i-CASCO ne-MTPL. Umsebenzi wasebhange uphakamise ukuthi athinte ihhovisi ukuze acaciselwe. Isiphetho - funda izimo ngokucophelela; kwamanye amaklayenti, hhayi umshuwalense we-CASCO kuphela, kodwa i-VHI noma i-DSAGO iyimpoqo.

Ngaphezu kwalokho, imoto yesikweletu inganikezwa umshwalense kuphela yinkampani yomshuwalense wabalingani be-salon.

Okunye ukubuyekezwa okuvela ku-opera efanayo:

U-Nikolay Sobakinskikh, Novosibirsk, 3.10.14:

“Ngaboleka imoto, ngaphansi kohlelo lwe-VHI kwadingeka ukuthi ifakwe emalini ebolekiwe. Ibhange langitshela ukuthi uma ngikhokha kusenesikhathi zingakapheli izinsuku ezingama-21, ngingenqaba i-VHI futhi izindleko ze-VHI zizobuyiselwa kimi kukhishwe u-18%. Ngayibuyisela imali ebolekiwe ngaphambi kwesikhathi esimisiwe (ezinsukwini eziyisi-6!!!), kodwa benqaba ukungibuyisela izindleko ze-VHI (i-premium yomshuwalense).”

Uchwepheshe wezikweletu waphendula ngokuthi lapho esayina inkontileka, uNikolai bekufanele afunde imigomo ngokucophelela: ibhange lidlulisele imali yenqubomgomo ye-VHI yeminyaka emi-5 enkampanini yomshuwalense, ngakho-ke udinga ukuxhumana nenkampani yomshuwalense futhi ufune ukuqedwa komshuwalense. inkontileka evela kubo, hhayi evela ebhange. Ibhange, kulokhu, lizibophezele ekubhekaneni nezingozi ezingase zibe khona, njengoba isivumelwano semalimboleko senziwa iminyaka emi-5.

Ungaphinda ucaphune ukubuyekezwa okunjalo okuningana, okuvela kuyo ukuthi abantu abafundi ngokucophelela imigomo yenkontileka.

Inani elikhulu lokubuyekezwa okungalungile mayelana nomsebenzi ongahlelekile we-VTB 24 liyamangalisa.

Isibonelo, i-Oksana, idolobha elingashiwongo, kubhala, ukuthi wayivala kudala isikweletu sakhe semoto, kodwa basamfonela bathi akakhokhe isikweletu esisele. Uya emnyangweni eyobolekwa ngezinkinga, lapho etshelwa khona ukuthi kusadingeka ukuthi kuvalwe imali ethile, kodwa abanikazi bezingcingo baqinisekisa ukuthi imali ebolekiwe ivaliwe ngempela.

Kanye nalokhu kugxeka, kukhona nokubuyekezwa okuningi okuhle.

Ngokwesibonelo, intombazane ngaphansi kwesiteketiso Caprice4You ubhalaukuthi wathola imali ebolekiwe yezinkulungwane ezingama-400 ngaphandle kwezinkinga, nakuba wayeneminyaka engu-21 kuphela ubudala. Uthi wayikhokha ngaphandle kokulibala, inzalo yayiphezulu - 23 ngonyaka, kodwa ngaleso sikhathi wayengakwazi ukuthola lutho olungcono.

Ngeshwa, kunezibuyekezo ezinhle kakhulu ezimbalwa, kodwa lokhu akusho ukuthi ibhange libi, kodwa ukuthi abantu basetshenziselwa ukwabelana ngezinkinga zabo, futhi lapho konke kuhamba kahle, akukho lutho lokubhala ngakho.

Iyalayisha...