Imalimboleko yemoto yakwaSberbank ka-2014-2015
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Imalimboleko yemoto yakwaSberbank ka-2014-2015

27.06.2022 /

Ngo-2014, i-Sberbank yanikeza amakhasimende ayo ukukhushulwa okuningi okuhlukahlukene - ithuba lokuthola izaphulelo lapho ukhokhela izimpahla ngekhadi lasebhange, ithuba lokuthola amabhonasi ahlukahlukene nezipho lapho wenza amadiphozithi, njalonjalo. Kodwa-ke, emkhakheni wemali mboleko yezimoto, konke kwahlala kufana ncamashi naseminyakeni edlule. Ngaphezu kwalokho, uhlelo lokusekela imali yokubolekwa kwemoto kahulumeni luyekile ukusebenza, okwacasula kakhulu abantu abaningi ababefuna ukuthenga imoto ngesikweletu.

Khumbula ukuthi ngokwalolu hlelo kwakungenzeka ukubolekwa imoto ngamaphesenti angu-13 ngonyaka, amaphesenti angu-7,5 akhokhelwe nguyena obolekayo, kanti amaphesenti angu-5,5 anxeshezelwa ebhange ngesabelomali sezwe. Njengoba sibhale kokuthunyelwe kwangaphambilini emakhasini weVodi.su - "Izibuyekezo zokubolekwa kwezimoto ezivela kwaSberbank" - abanye ababoleki babebhekene nokufaka isicelo sokubolekwa imali ngaphansi kwalolu hlelo, futhi ngemva konyaka kwavela ukuthi babekhokha ngendlela evamile. amaphesenti angu-13, njengoba uxhaso lukahulumeni lwaphela.

Imalimboleko yemoto yakwaSberbank ka-2014-2015

Ukuthi lolu hlobo lokubolekwa lwaluthandwa kangakanani lungahlulelwa ngezibalo - engxenyeni yesibili ka-2013, kusukela ngoJulayi kuya kuDisemba 31, izimoto ezingaba ngu-275 23 zathengiswa, okungamaphesenti angu-2013 okuyimikhiqizo ye-AvtoVAZ. Kodwa ekupheleni kuka-2015, lolu hlelo lwaqedwa ngaphambi kwesikhathi esasimisiwe. Ngithanda ukwethemba ukuthi kusukela ngo-XNUMX umbuso uzothatha izinyathelo zokuwuvuselela. Nakuba isimo sezimali ezweni ngenxa yezizathu ezithile sisenza sicabange ukuthi lokhu ngeke kwenzeke.

Ake sizame ukuthola ngaphansi kwaziphi izimo lapho kwakungenzeka ukubolekwa imoto e-Sberbank ngo-2014.

I-Sberbank inikeza ini?

I-Sberbank inikeza ithuba lokuthenga imoto ngesikweletu kulabo abanemali engenayo esemthethweni nalabo abangakwazi ukuqinisekisa iqiniso lokuqashwa kanye namaholo. Esimweni sokuqala, ibhange lizokubekela izinga lenzalo ephansi, ngoba bazobe beqiniseka ukuthi uzokwazi ukufeza yonke imigomo yenkontileka.

Abaningi bethu basebenza ngokungafanele, noma bathola iholo elincane esifundeni sezinkulungwane ezi-5-8, nakuba ngokwezidingo zebhange, imali encane yomboleki kufanele ibe yizinkulungwane ezingu-15 eMoscow naseSt. amanye amadolobha namadolobhana asezweni lethu. Kulokhu, uzoba nefomu lesicelo elanele, ipasipoti kanye nanoma yimuphi omunye umbhalo. Uma ugcwalisa uhlu lwemibuzo, vele ubonise inani elilinganisiwe lomholo wakho.

Ukuze uthenge imoto ngaphansi kohlelo lwemalimboleko yemoto, kufanele ubeke okungenani amaphesenti ayi-15 ezindleko.

Kuyisibopho futhi ukuthola umshwalense we-CASCO "wokulimala" kanye "nokuduna". Uma ufisa, i-premium yomshuwalense nayo ingangezwa emzimbeni wemalimboleko, futhi izindleko eziphelele zemoto zizokhula ngamaphesenti angu-8-10.

Ngemva kokuhambisa ifomu lakho lesicelo, kuzodingeka ulinde isikhashana ukuze kuthathwe isinqumo. Uma uyikhasimende lasebhange, uthola iholo ekhadini lasebhange noma usebenza enkampanini egunyaziwe, khona-ke isinqumo singenziwa phakathi kwesigamu sehora, amahora amabili aphezulu.

Imalimboleko yemoto yakwaSberbank ka-2014-2015

Kuzo zonke ezinye izimo, kungase kuthathe izinsuku ezingeqile kwezimbili - konke kuncike ezingeni lomholo wakho kanye nomlando wesikweletu.

Lapho isinqumo sivunyiwe, udinga ukuhlinzeka yonke iphakheji yamadokhumenti:

  • inkontileka yokuthengisa kanye nedokhumenti yokukhokha evela ku-salon, kanye nesitifiketi-isheke ekwenzeni inkokhelo ephansi;
  • ikhophi ye-TCP, inkontileka yomshuwalense noma isitifiketi sokukhokha i-CASCO, uma uzoyithatha ngesikweletu futhi.

Amazinga enzalo

Izinga lenzalo e-Sberbank aliphezulu kakhulu: amaphesenti angu-13-14,5 ngonyaka. Nokho, lokhu kusezincwajaneni kuphela nakuwebhusayithi. Uma ubhekisisa, uzobona izinkanyezi nemibhalo yaphansi:

  • +1 iphesenti uma iklayenti lingafuni ukuthatha umshwalense womuntu siqu;
  • +1 iphesenti uma iklayenti lingawatholi amaholo nezimpesheni ekhadini lasebhange.

Ngamafuphi nje, qondiswa ngama-rates asuka ku-13 kuya ku-16% - nakho okungekubi, uma kubhekwa ukuthi kwamanye amabhange aklebhula wonke angama-30.

Abantu abahlakaniphile bayohlale becabanga ukuthi bangathola kanjani inzalo ephansi kakhulu, isibonelo, bazokhipha imali mboleko yomfazi osethathe umhlalaphansi noma umama othola amaholo nezimpesheni ekhadini lasebhange.

Imalimboleko yemoto yakwaSberbank ka-2014-2015

Imibandela yemalimboleko nayo iyabekezeleleka kakhulu:

  • imali ebolekiwe ikhishelwa kokubili izimoto ezintsha nezike zasetshenziswa;
  • isikhathi - kuze kube yiminyaka emihlanu, ngisho noma uthatha iminyaka emihlanu, izinga lizosuka kumaphesenti angu-14,5 kuya ku-16;
  • inani eliphakeme lingama-ruble ayizigidi ezi-5;
  • ngamadola nama-euro awabolekisi;
  • Azikho izimali zokubhalisa noma zokukhokha ngaphambi kwesikhathi.

Okungukuthi, ungakwazi cishe ukubala ukuthi imoto izokubiza malini 500 ayizinkulungwane iminyaka emihlanu:

  • Umnikelo wezinkulungwane ezingama-78 (i-CASCO nayo ithatha imalimboleko);
  • imali yenyanga - 10-11 izinkulungwane;
  • i-overpayment - cishe izinkulungwane ezingama-203.

Uma uqiniseka ukuthi eminyakeni emihlanu isimo sakho sezezimali ngeke sishintshe kakhulu, unganquma ukufaka isicelo semali mboleko enjalo, empeleni, esetshenziswe izigidi zemindeni ejabulayo.




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