Chikwereti chemotokari kuSberbank - mubereko wemari uye mamiriro ekuwana

Sberbank ndiro bhangi guru muRussia, pfuma yaro inodarika 17 trillion rubles. Bhangi rine network yakakura kwazvo yemapazi munyika yose, uye hachisi chakavanzika kuti nhamba huru yeRussia inosarudza kushandisa masevhisi ebhangi iri, kunyanya ikozvino, mumamiriro edambudziko remari risingagoni kupera chero nzira.

Chirongwa chechikwereti cheSberbank, chinofanira kucherechedzwa, hachisi chinonyanya kukwezva, kunyange pakati pemabhangi eRussia, uye hapana chikonzero chekutaura nezvemabhangi eEurope.

Zvitongere iwe pachako: muGermany, mubereko wechikwereti pachikwereti chemotokari nekubhadhara kwekutanga kwe15-30 muzana yemari yevhareji 5,5-5,75 muzana pagore, muSberbank - 15. Maonero akawandisa.

Ngatinyatsoongororai izvo Sberbank inogona kupa kune avo vanoda kutenga motokari nechikwereti.

Zvakanakira chikwereti chemotokari kubva kuSberbank

Imwe yemabhenefiti makuru ekukweretesa mubhangi iri kusavapo kwechido chekusimbisa mari yako. Iyo yakawanda mari inosvika mamirioni mashanu rubles, anosvika mazuva maviri ekushanda akagoverwa kuti atarise chikumbiro uye kuita sarudzo pachikwereti. Kana munhu ari mutengi weSberbank, sarudzo inogona kuitwa mukati meawa imwe chete.

Mushure mekuita sarudzo yakanaka kune mutengi kusvika kumazuva makumi mapfumbamwe ekusarudza mota, uye inogona kunge iri mhando nyowani kubva kumutengesi wemotokari kana mota yakashandiswa.

Magwaro ekutora chikwereti chemotokari

Kana ukasarudza Sberbank, unofanira kupa magwaro anotevera kuti ugamuchire mari inodiwa:

• magwaro maviri anosimbisa chiziviso chako - pasipoti ine kunyoreswa kweRussia uye chero imwe gwaro (pasipoti, mauto ID, gwaro rekuzvarwa, rezinesi rekutyaira, zvichingodaro);
• kunyorera chikwereti chemota.

Muchidimbu, izvi ndizvo zvese, kunyangwe iwe uchida kusimbisa mari yako, unogona kupa kopi yebhuku rebasa uye chirevo chemari ichangoburwa. Uye zvakare, zvinotenderwa kupa magwaro anosimbisa basa uye nhanho yemari yehama yako yepedyo, pamwe newawakaroora.

Kana mukana wekutora chikwereti chemotokari uchinge wasimbiswa, unofanirwa kupa magwaro anotevera kubva kumutengesi wemotokari:

• chibvumirano chekutengeswa kwemotokari yawakasarudza;
• kopi yepasipoti yemotokari;
• invoice yekubhadhara yemotokari uye ese maprimiyamu einishuwarenzi (OSAGO uye inosungirwa CASCO).

Chinodiwa kupihwa kwegwaro rekubhadhara rinosimbisa kubhadharwa kweinenge 15 muzana yemutengo wemotokari. Pasina kubhadhara kwe15%, hazvizokwanisi kuwana chikwereti chemotokari kuSberbank.

CASCO inogona zvakare kupihwa nechikwereti, mune iyo kesi iwe uchafanirwa kupa invoice yekubhadhara mari yeinishuwarenzi.

Vagari vane makore 21 kusvika ku75 vanogona kugamuchira chikwereti chemotokari kuSberbank, uye mukwereti anofanira kunge ane makore 75 panguva yekubhadhara chikwereti. Kana mugari akatora chikwereti chemotokari pasina kusimbisa huwandu hwemari yake, saka zera repamusoro makore makumi matanhatu nemashanu.

Chimwe chinhu chakakosha ndechekuti kunyangwe iwe ukagamuchira chikwereti usina kusimbisa mari yako, ruzivo rwese rwemakore mashanu apfuura runofanira kunge rwuchiri gore rimwe chete.

Uye zvino inonyanya kufadza - mubereko pachikwereti chemotokari kubva kuSberbank yeRussia

Chikwereti chemotokari kubva kuSberbank chinogona kupihwa kwenguva yemwedzi mitatu kusvika kumakore mashanu. Kana nguva yechikwereti ichirebesa, mibairo yacho inokwira.

Mari yemubereko muna 2014 ndeiyi inotevera:

• chikwereti chinotorwa kwegore - 14,5 muzana pagore;
• kubva kune rimwe kusvika kumakore matatu - 15,5 muzana;
• kubva pamatatu kusvika mashanu - 16 muzana.

Kana munhu ane dhipoziti mubhangi iri kana Sberbank muhoro kadhi uye anogamuchira mari pairi nguva dzose, ipapo mitengo inoderedzwa nezana muzana.

Sezvaunogona kuona, sarudzo inobatsira zvikuru munyaya yeSberbank chikwereti chegore rimwe chete kana maviri. Iyo yakakwira mubhadharo wepasi, inodzikira iyo overpayment. Kuti uverenge kuti imarii yauchazobhadhara mari yakawandisa, unogona kushandisa chikwereti chekuverenga.

Kana iwe ukatora motokari kwemakore mashanu pa5 muzana, saka semugumisiro iwe uchabhadhara 16% yekukosha kwayo - kwete tarisiro inobatsira zvikuru.

Kubhadhara zvikwereti kunoitwa mwedzi wega wega, kunonoka, senguva dzose, kunotungamirira kune zvirango - kuwedzera kwehuwandu hwemari kusvika ku20 muzana yehuwandu hwechirango. Kureva kuti hapana chikonzero chekuseka panyaya iyi. Muzviitiko zvakanyanyisa, bhangi richamanikidzwa kutora motokari, kuiisa kutengeswa kubhadhara chirango, uye mari yose yakasara ichadzorerwa kune anokwereta - ndiko kuti, munyaya iyi, kurasikirwa kwemari kuchave. zvakakosha, sezvo motokari dzechikwereti dzakashandiswa dzinowanzoita 20% pasi pemutengo wadzo wepakutanga.

Kutenga motokari nechikwereti chisarudzo chakakomba, saka nyatsoongorora njodzi dzose, bvunza nhengo dzemhuri yako. Iva nechokwadi chekushandisa karukureta yechikwereti uye ona kana iwe uchigona kupa usingarwadzi huwandu hwe5-10-20 zviuru rubles pamwedzi bhajeti yako.

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