Chikwereti chemotokari muSberbank kune vanodya penjeni

Sberbank yeRussia inopa vapenjeni mukana wekutora chikwereti chemotokari, uyezve, yaive Sberbank yaive yekutanga kutanga kupa basa rakadaro.

Mamiriro echikwereti anoyevedza uye izvi zvinomanikidza vanhu vazhinji vasati vaenda pamudyandigere kuti vanyorere chikwereti kwete muzita ravo, asi muzita revabereki vavo vakwegura.

Pamapeji eVodi.su portal, takatonyora pamusoro pezvikwereti zvemotokari kubva kuSberbank, munyaya ino tichaedza kutaura pamusoro pezvikwereti zvemotokari kune vanodya penjeni - mamiriro, zvikwereti, zvinyorwa zvinodiwa.

Mitemo yechikwereti chemotokari kune vapenjeni kubva kuSberbank

Chero munhu anonyungudutsa anogona kutenga mota nechikwereti chebhangi. Sberbank inopa chirongwa chakakosha chevapenjeni. Zvinokosha kucherechedza kuti saizi yemudyandigere muRussia haisati yasvika padanho reEuropean, nekudaro, vanotora penjeni vanonyumwira chero zvikwereti.

Muchiitiko chekuti mari yepenjeni haina kukwana kuwana sarudzo yakanaka, bhangi rinopa kukwezva guarantors kana co-vanokwereta - vana, mudzimai, hama yepedyo.

Sarudzo yakanaka ichaitwa kana vane guarantors kana co-vanokwereta vakapa mvumo yavo.

Bhengi zvakare inofunga nezvekuti vazhinji vanodya penjeni ndivo vatengi veSberbank, vanogamuchira penjeni pamakadhi ebhangi. Vazhinji vari pamudyandigere pano vanewo mari yakawanda yavakachengeta. Vese vatengi vakadai vanozopihwa zvakakosha mabhenefiti.

Saka, ngatienderere mberi kune mamiriro.

Chikwereti chine garandi

Kana paine munhu anovimbisa mudyandigere, anogona kuwana chikwereti pasina matambudziko.

Nguva yechikwereti inosvika mwedzi makumi matanhatu. Panguva yekuregererwa Zera remudyandigere harifanire kudarika makore makumi manomwe nemashanu. Mari shoma ndeye 15 zviuru, iyo yakawanda mamiriyoni matatu. Kana mudyandigere wakanyanya kuderera, saka mudyandigere anogona kukwezva vanokwereta pamwe chete uye nhanho yavo yekuwana ichaverengerwawo.

Chibereko chechikwereti chine vimbiso inobva pazvikamu gumi nezvina kubva muzana pagore.

Chikwereti pasina vimbiso

Kana pasina munhu anovimbisa mudyandigere, saka mukana wekuramba wakakura.

Zera remudyandigere harifanire kudarika makore makumi matanhatu nemashanu panguva yekubhadhara. Iyo yakawanda mari inosvika miriyoni imwe nehafu rubles, mubereko unobva ku15 muzana. Zvinokwanisika kukwezva vanokwereta pamwe chete.

Izvo zvinodikanwa kutarisa pane chokwadi chekuti zvisinei nekuvapo kana kusavapo kwevanovimbisa, sarudzo yakanaka inonyanya kuenderana nekuti mukwereti mutengi webhangi. Kana zvirizvo, zvino zvinogona kutora zvishoma semaawa maviri kuita sarudzo. Zvikasadaro, mazuva maviri.

Nhoroondo yechikwereti chemudyandigere inocherechedzwawo - vanokwereta vane muenzaniso vasina kunonoka mukubhadhara vane mikana yakawanda.

Teerera zvakare kune chokwadi chekuti mamiriro atsanangurwa pamusoro anoshanda kune mutengi kukweretesa, ndiko kuti, chirongwa ichi chinokutendera kuti ugamuchire mari zvakananga kuaccount yako yebhangi uye uishandise pakufunga kwako, kusanganisira yekutenga mota.

Paunogamuchira chikwereti pasi pechirongwa ichi, unowana akati wandei mabhenefiti:

• hazvidiwi kubudisa CASCO;
• Iwe unogona kubudisa OSAGO mune chero kambani, uye kwete chete mumakambani einishuwarenzi ayo ari vashandi vebhangi;
• kune vanodya penjeni, mubereko pazvikwereti zvakaderera zvikuru pane zvevagari vanoshanda;
• Haufanire kubhadhara mari yekutanga.

Ndicho chikonzero vechidiki vakawanda vanotora zvikwereti kuvabereki vavo, uye panguva imwechete vanoshandisa motokari pachavo - izvi hazvisi kutyora mutemo. Mukuwedzera, zviri nyore kuti mudyandigere asimbise mari yake - ingotora chitupa kubva kuPension Fund.

Kana tikataura nezve yakajairika chirongwa chechikwereti chemotokari kubva kuSberbank, yatakatonyora nezvayo kare pamapeji eVodi.su portal, saka inowanikwawo kune vanodya penjeni, asi nemamwe mamiriro ekuwedzera:

• zera guru ndeye 75 makore panguva yekuregererwa, kana pane uchapupu hwemari;
• Max. zera - makore makumi matanhatu nemashanu, kana pasina chitupa chemari kana kubva kuPension Fund.

Mari yechimbadzo yevari mudyandigere yakangofanana neyevamwe vese - kubva pazvikamu gumi nezvitatu kubva muzana. Mubhadharo wepasi ndeye 13% yemutengo.

Zvinodawo kunyoreswa kweCASCO, uye dzimwe nguva kutorwa kwegwaro reVHI, iro rinodhura zvakanyanya kune mudyandigere pane wechidiki.

Izvi zvinoreva kuti, zvisinei kuti unoishandura sei, asi chikwereti chemutengi isarudzo inobatsira zvikuru, munyaya iyi.

Kugadziriswa kwechikwereti - zvinyorwa

Panyaya yechikwereti chemutengi, pasipoti chete inodiwa kubva kune mudyandigere. Chitupa chekugamuchira mudyandigere chinodiwa chete kana asiri mutengi webhangi. Ipapo iwe unongoda kuzadza fomu uye kumirira sarudzo.

Panyaya yechikwereti chemotokari, iwe unoda seti yakazara yemagwaro: chikumbiro, chibvumirano chekutengesa chine mucherechedzo wekubhadhara kanenge 15% yemutengo, CMTPL uye CASCO mitemo, kopi yezita, kopi yezvinyorwa. kusimbisa kubhadharwa kwemutengo weCASCO mutemo (kunyangwe CASCO inogona kuverengerwa muchikwereti).

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