Chikwereti chemota pasina kubhadhara muAlfa Bank

Hazvina mhosva kuti mapurogiramu echikwereti ekutenga motokari akakurumbira sei iye zvino, kune vakawanda vokuRussia vachiri kuramba vasingasvikike nekuda kwekuti vanofanira kubhadhara mari yekutanga, iyo inenge 10 muzana yemutengo.

10 muzana yemutengo weiyo yakawanda bhajeti yemotokari ye300-400 zviuru makumi mana ezviuru zveRubles, iyo mari inoita seisina yakakura, asi inogona kunetsa kuunganidza.

Saizvozvo, kune muyedzo wakakura wekutora mukana wekupihwa kwechikwereti, zvikwereti zvakasiyana-siyana zvinokutendera kuti utenge mota yaunoda pasina kubhadhara. Vatungamiri mumotokari dzemotokari vanonyatsoziva mafungiro munzanga uye mamiriro chaiwo emari evaRussia vakawanda, uye naizvozvo, mukubatana nemabhangi, vanopa mukana wekutora motokari nechikwereti pasina kubhadhara mari yekubhadhara.

Alfa-Bank ine zvirongwa zvakadaro here? Ngatiedzei kuzvinzwisisa.

Kutenga motokari nechikwereti kubva kuAlfa-Bank pasina kubhadhara

Hongu, zvechokwadi, bhangi iyi inotipa mukana wekutenga motokari pasina kubhadhara, mapurogiramu akadaro anogona kuwanikwa mune dzakawanda zvekutengesa motokari muMoscow. Asi chirongwa ichi chii?

Uye ichi hachisi chinhu chinopfuura chikwereti chemari, uye chinopihwa pane zvakaomesesa mamiriro. Kune akati wandei mapurogiramu echikwereti:

• "Kutsanya" - kusvika 250 zviuru;
• yakachengetedzwa ne real estate - kusvika kumamiriyoni makumi matanhatu;
• chikwereti chemari - inosvika miriyoni imwe (1 miriyoni kune vatengi vebhangi nevatengi vemakambani).

Ndiko kuti, kutaura, kupenengura pachipo chekutenga mota nechikwereti pasina mubhadharo wakaderera, unobvumirana nemamiriro asina kuvimbika.

Kana iwe ukashaya angangoita 10 kusvika 250 zviuru kutenga mota, ipapo unogona kupihwa chikwereti chemari kana Quick kadhi rechikwereti. Chikwereti "Fast" mubereko - kubva 37 kusvika 67 muzana pagore. Muripo wakawandisa wakakura, asi pane nguva yenyasha yemazuva makumi matanhatu kana mubereko usingachajwa. Pamusoro pezvo, haufanirwe kuunza zvitupa zvemari uye kutsvaga ma guarantors.

Kana iwe uchida kukweretesa imba yako kana uine imwe imba, ipapo mamiriro acho achapihwa kwauri nyore, uyezve, chikwereti chakadaro chinopiwa kwenguva yemakore gumi nechiyero chidiki che10%. Ndiko kuti, chiyero chinogona kunge chakakwirira uye chinotarirwa mumwe nomumwe munyaya imwe neimwe. Chakanakira ndechekuti iwe unogona kutenga mota inodhura zvakanyanya, kana imba yako ichikosheswa nemamiriyoni akati wandei. Izvo zvinodiwawo kuti vese vakanyoreswa mumba mako vape mvumo yavo.

Chikwereti chemari kubva kuAlfa-Bank chinotora zvinotevera mamiriro:

• kubva pazviuru makumi mashanu kusvika kumamiriyoni maviri evatengi vebhangi nevatengi vemakambani;
• kusvika miriyoni imwe kune vamwe vese;
• vimbiso haidiwi, mari inowanikwa inofanira kusimbiswa;
• makomisheni ekunyoresa uye kubhadharwa kwekutanga haabhadharwi;
• nguva - kusvika makore mashanu.

Mazana, zvinofanirwa kutaurwa, haana madiki:

• 16,99-30,99 pagore kune avo vanogamuchira muhoro pamakadhi ebhangi iri;
• 17,49-34,99 - vatengi vemakambani ebhangi;
• 19,49-39,9 - mamwe mapoka ose.

Uchishandisa akareruka masvomhu masvomhu, unogona kuverenga kuti imarii ichaita iwe kubatira chikwereti chakadaro. Mari yemubereko inotemerwa mumwe nemumwe, zvichienderana nekukwana kweiyo data yakapihwa pamusoro pako, chikamu chemari, zvichingodaro.

Bhangi rinoedza kuzvipa inishuwarenzi munzira dzese uye mamiriro ezvinhu anokatyamadza anomuka: mumwe maneja wekambani ine mukurumbira anogashira mubereko wakaderera pane anoshanda mufekitari ari nyore. Chikwereti ichi hachipihwe kune vezvemabhizinesi, pamwe neavo vanhu vakanyoreswa mumahostele. Kana iwe ukatora inshuwarisi yehupenyu, ipapo mitengo pachikwereti ichaderedzwa.

Zvinodiwa kune anokwereta ndizvo zvakajairwa: iwe unofanirwa kuve uine mari yenguva dzose inokwana zviuru gumi pamwedzi, kunyoresa zvachose munzvimbo ine matavi emabhangi. Iva nechokwadi chekusimbisa mari yako kwemwedzi mitanhatu yapfuura. Mapepa akajairwa anodiwawo: pasipoti, gwaro rechipiri, chitupa chebasa nezve mari, uye rimwe remagwaro ekusarudza kubva: inomanikidzirwa inishuwarenzi yekurapa, inishuwarenzi yekurapa yekuzvidira, kopi yebhuku rebasa, pasipoti ine chitambi. nezve visa, chitupa chekunyoresa mota.

Kana wapa chikwereti, uchawana mari yacho yese pakadhi rebhangi. Izvo zvakanaka ndezvi:

• hapana makomisheni anobhadhariswa;
• CASCO inosarudzika;
• mukana wekukurumidza kubhadhara.

Chirongwa chechikwereti chemota kubva kuAlfa-Bank

Kune zvakare mapurogiramu mubhangi iri ane yekutanga shoma mupiro - kubva pagumi muzana. Mamiriro echirongwa ichi anonyanya kukwezva:

• mubereko kubva pa11,75 kusvika ku21,59 muzana pagore;
• mari yakawanda ndeye 5,6 mamiriyoni rubles.

Zvechokwadi, kunewo zvikamu zviduku. Saka, vatengi vega vanogona kuwana huwandu hwemamiriyoni matatu pa3-15,79 muzana, nepo mubhadharo wekutanga unosvika gumi neshanu muzana. Panewo mukana wekutenga motokari pasina kunyoreswa kweCASCO, asi izvi zvinowanikwa chete kune vanobhadhara uye vatengi vemakambani, uye zvikwereti zvichave 16,79-15%.

Kubva pane zvataurwa, mhedziso inozviratidza - nyatsoverenga chibvumirano nebhangi, kunyanya zvinyorwa zviduku. Kutenga motokari pasina mubhadharo wepasi chinhu chinoedza, asi iwe uchafanirwa kubhadhara zvakanyanya.

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