Chikwereti chemotokari kuRosselkhozbank - mamiriro uye mubereko

Kune nhamba huru yemabhangi muRussia uye munenge chero ipi zvayo unogona kuwana chikwereti chemotokari. Zvirongwa zvekukweretesa zvinowanzoda kufanana, mari dzemhindu dzinochinja-chinja muchikamu chidiki - vamwe vane zvakawanda, vamwe vane zvishoma. Europe neUSA nemamiriro adzo achiri kure.

Asi chimwe chinhu chinofadza kuti kune mabhanga akadaro anogona kupa zvimwe zvaunofarira kune mamwe mapoka ehuwandu. Tora, semuenzaniso, Rosselkhozbank. Iyi inzvimbo yezvemari yehurumende, ndeyehurumende yehurumende yeRussian Federation, iyo mari yose inodarika imwe trillion rubles.

Maererano nehuwandu hwe2014, Rosselkhoz Bank nderimwe remabhangi gumi akavimbika muRussia, uye rimwe remazana zana munyika yose.

Nechekare kubva pazita zviri pachena kuti yakasikwa kuitira kutsigira agro-industrial complex yeRussia. Vamiririri vekumaruwa chikamu chevanhu vanogona kuwana zvikwereti pano zvekutenga michina yekurima, midziyo yemapurazi ehuku uye mapurazi ezvipfuwo. Zvichida mubhangi iri mukomana ari nyore kubva kumusha anogona kuwana chikwereti kuti atenge motokari yake yekutanga.

Ndeipi mibairo yandingawana chikwereti kuRussian Agricultural Bank?

Matemu ekukweretesa

Sezvo Rosselkhozbank iri yehurumende, mamiriro ekuwana chikwereti chemotokari akafanana nebhengi guru muRussia - Sberbank. Ndiko kuti:

• mari shoma shoma inosvika gumi muzana yemutengo;
• nguva yechikwereti - kubva kune imwe kusvika kumwedzi makumi matanhatu;
• chikwereti chinogona kuwanikwa nevagari vane makore 18 kusvika 65 makore;
• mari yechikwereti chakanyanya i3 miriyoni rubles, 100 zviuru zvemadhora ekuUS kana zviuru makumi manomwe nezvishanu zveeuro.

Ndezvipi zvinodiwa kumukwereti?

Chakanakira kuwana chikwereti chemotokari kubhangi hombe rehurumende ndechekuti vanotarisisa mwero wemari uye nhoroondo yechikwereti yemutengi wega wega. Mumabhangi ezvokutengeserana, mafungiro anonyanya kuvimbika, uye somugumisiro, kunyange munhu asingakwanisi kubhadhara anogona kuwana chikwereti, asi ipapo munhu akadaro achawana muganda rake kuti vateresi ndivanaani, kuti achafanira kuitei. overpay, uchifunga nezvese faindi uye zvirango, kuti usarase mota yako.

Rosselkhozbank anotarisa:

• ruzivo rwebasa rose;
• avhareji yemari pamwedzi;
• kuumbwa kwemhuri, kuva nepfuma;
• Dzimwe nhengo dzemhuri dzine mari here?

Kuti unyorere chikwereti, unofanirwa kuzadza gwaro remibvunzo rinonakidza, uye kuratidza data rese riri mariri. Hazvizoshandi kuuya nechinhu chero chipi zvacho, nokuti zvinhu zvose zvinotariswa uye mazuva mana akagoverwa kuti aite chisarudzo chekupedzisira (padyo nenhamba 4 pane asterisk duku uye chinyorwa chezasi - bhangi rinogona kuchinja nguva yekufungisisa application kumusoro uye pasi).

Kana mari yako yeavhareji yepamwedzi isingakubvumiri kubhadhara kuderedzwa kwechikwereti chemwedzi, saka hauzooni mota, zvirinani mubhangi iri.

Zvinodiwa kune anenge achikwereta ndezvizvi zvinotevera:

• kanenge gore rimwe rebasa mumakore mashanu apfuura (makore mashanu ekupedzisira - zvinoreva pakupera kwechikwereti, ndiko kuti, kana iwe ukatora chikwereti kwemakore maviri, zvino kwemakore matatu apfuura);
• panzvimbo yekupedzisira yebasa (ikozvino) iwe unofanirwa kushanda kweinenge mwedzi 4;
• mugari weRussia, kunyoresa panzvimbo yebazi rebhangi.

Asi kune vagari vane mvumo yekugara kumaruwa, pamwe neavo vanoshanda muagro-industrial complex, vane nhoroondo yakanaka yechikwereti mubhangi iri kana kuti vane account nayo, pane zvimwe zvibvumirano: ingangoita mwedzi mitanhatu yechiitiko, nguva yebasa munzvimbo yekupedzisira ndeye 6 mwedzi.

Mari dzemhindu

Chinhu chinonyanya kufadza ndechemubereko, mubhangi iri vanovimba nenguva yechikwereti uye chiyero chekubhadhara. Kana iwe ukapa kubva pa10 kusvika ku30 muzana yemutengo, uchagamuchira:

• kusvika kune gore - 14,5%;
• kubva kune rimwe kusvika kumakore matatu - 15%;
• kubva pamatatu kusvika mashanu - 16%.

Kana iwe ukaisa inodarika 30 muzana yemutengo, ipapo mitengo ichave yakaderera ne0,5 muzana: 14, 14,5, 15,5 muzana, zvichiteerana.

Semazuva ese, pane zvinyorwa zvishoma muzvinyorwa zvidiki:

• kana ukaramba inishuwarenzi yehupenyu mukati menguva yese yechikwereti, saka unogona kuwedzera zvakachengeteka mamwe maviri muzana kune mareti ari pamusoro;
• zvido zveavo vane maakaundi ebhangi kana kugamuchira muhoro pakadhi rebhangi - mitengo inoderedzwa nechikamu chimwe chete muzana.

Ndiko kuti, tinoona kuti bhangi riri kuedza kuzvidzivirira kubva kune ngozi dzose dzinogona kuitika. Iwe hauzongoda chete kunyorera CASCO, asiwo yekuzvidira inishuwarenzi yekurapa, iyo isingadhure. Asi zvirinani chokwadi chekuti CASCO inogona kupihwa nechikwereti pano inofadza.

Iyo memo kune anokwereta inotsanangura zvakadzama mhedzisiro yekunonoka mukubhadhara - kwezuva rega rega rekunonoka, faindi ye0,1 muzana yemari yechikwereti inowedzera. Kana munhu akazoita kunge asiri mubhadhari ane hutsinye, saka zvirango zvinogona zvakare kuiswa paari - 10 mibairo mishoma.

Kana iwe usingatyi nezvese mhedzisiro iyi uye iwe wakasimba patsoka dzako mune zvemari, ipapo chikumbiro chako chichatariswa, iwe uchafanirwa kupa yakajairwa seti yemagwaro, pamwe nechibvumirano chekutengesa kubva ku salon, kopi yeTCP uye. cheki yekuita mubhadharo mu salon.

Sarudzo dzakadaro dzinofanira kuitwa nokungwarira. Yeuka kuti chikwereti chakadaro chinobatsira chete kana iwe ukaita mubhadharo mukuru wepamberi - kanenge 25-50 muzana, uye shandisa kwenguva pfupi - kusvika kumakore maviri. Mune zvimwe zviitiko zvese, kune mubhadharo wakakura.

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