VTB 24 chikwereti chemotokari - wongororo yevakwereta

Kutenga mota nechikwereti ndekwevazhinji vekuRussia ndiyo nzira chete yekuzochinja kubva kumatramu nemakombi kusvika pakutyaira mota yavo. Izvi hazvishamisi, nokuti kunyange munyika dzakapfuma dzeEurope neNorth America, maererano nenhamba, chikamu chikuru muzana chemotokari dzinotengwa nechikwereti, kana kuti zvishoma nezvishoma, kana kuti dzinobhadharwa.

Kana tichifunga nezvesarudzo dzekutenga mota, tinoedza kuwana ruzivo rwakawanda sezvinobvira pamusoro pezvirongwa zvakasiyana-siyana zvechikwereti nemasevhisi ekubhengi.

VTB 24 Bank ndeimwe yehukuru muRussia uye vanhu vazhinji vanosarudza kutora chikwereti chemotokari nesangano rezvemari.

VTB 24 inopa zvirongwa zvekukweretesa mota zvinoyevedza:

• AutoStandard - yakawanda mari inosvika 5 miriyoni rubles, mubereko kubva 14% pagore, shoma mupiro - kubva 15%, inosungirwa kusimbiswa kwemari uye CASCO kunyoresa, chikwereti nguva kusvika makore manomwe;
• AutoLight - kusvika kumamiriyoni 2,8 kusvika kumakore manomwe, mupiro wekutanga kubva ku20%, chiyero kubva ku16,5%, CASCO inosungirwa, uchapupu hwekuwana mari;
• AutoExpress - mubereko kubva 18% pagore uye mberi kubhadhara kubva 20%, kana ukanyorera pasina CASCO, mwero achava 22-25% pagore, uye mberi muripo - kubva 30% mutengo.

Uyezve, mapurogiramu aya anobvumira kwete chete kutenga motokari itsva muimba yekuratidzira, asiwo yakashandiswa.

Kana iwe ukanyatsoverenga mamiriro acho, tinoona kuti anoshivirira zvichienzaniswa nemamwe mabhanga.

Pamusoro pezvo, zvibvumirano zvakasiyana zvinopihwa vatengi vebhangi uye vanobhadhara vane muenzaniso; hapana mari yebasa inobhadhariswa kunze kweiyo yakatsanangurwa muchibvumirano.

Zvinokwanisika kubhadhara chikwereti kare, uye iwe unogona kuita izvi kunyange zuva rinotevera (kana iwe ukakunda lottery kana kugamuchira nhaka kubva kuhama iri kure kubva kuAmerica).

Wongororo kubva kuvanhu chaivo nezve zvikwereti zvemota kubva kuVTB 24

Zviri pachena kuti pane peji rayo repamutemo bhangi rinotsanangura zvese muchiedza chakanakisa, zvisinei, akakosha anogona kukwereta anoshandisa imwe nzira yekuwana ruzivo - wongororo yezvikwereti zvemotokari kubva kuVTB 24.

Sarudzo, mumutemo, ndeyechokwadi. Ongororo dzakagara dzave imwe yenzira dzinodiwa dzekutaura maitiro emunhu kune chimwe chiitiko. Asi, zvinofanira kucherechedzwa kuti kuongorora, sekutonga, kunyorwa nevanhu vanotsamwa kana kugumburwa nechimwe chinhu. Bvumirana, kana zvinhu zvese zvakanaka newe - hapana arikumisa, kukutuka, kana kukunyengera - hauzonyora wongororo yakatsamwa.

Izvo zvinogona kutaurwa nezvebhangi: kana munhu akanyatsoverenga mazwi echibvumirano chechikwereti chemotokari, uye chinonyanya kukosha, anoazadzisa, saka haana chekunyunyuta pamusoro. Kunze kwebasa rakashata uye mitsetse yakareba, asi iri ndiro dambudziko rebhangi chero ripi zvaro munyika yose.

(Maonero anotumirwa kwatiri nevakwereta, rondedzero ichagadziridzwa)

Heino muenzaniso weongororo kubva kumunhu asina kunyatsoverenga mazwi echibvumirano chechikwereti:

Marina, Moscow, 25.08.14/XNUMX/XNUMX:

"Ndakatora chikwereti chemotokari, asi mushure mechinguva ndakaona kuti mari yechikwereti yakanga yawedzera ne75 zviuru zveruble. Pandakauya kudhipatimendi, vakandiudza kuti iyi ndiyo nguva yokutanga izvi zvakaitika kwavari, asi mushure mekuongorora zvakazoitika kuti mari yeCASCO inshuwarisi yakawedzerwa kumari yechikwereti. Iye zvino handizivi kuti ndingawana kupi inishuwarenzi yandiri kutobhadhara...”

Mamiriro acho haanyatso kujeka: kana Marina haana kunzwisisa kuti CASCO inishuwarenzi inosungirwa, kana akavhiringa CASCO neMTPL. Mumwe mushandi wepabhangi akati ataure nehofisi kuti ajekeswe. Mhedziso - verenga mamiriro acho nekungwarira; kune vamwe vatengi, kwete chete CASCO inishuwarenzi, asi VHI kana DSAGO inosungirwa.

Uye zvakare, mota yechikwereti inogona chete kupihwa inishuwarenzi nekambani yeinishuwarenzi yevanodyidzana nesalon.

Imwe wongororo kubva kune imwecheteyo opera:

Nikolay Sobakinskikh, Novosibirsk, 3.10.14:

“Ndakatora chikwereti chemotokari, pasi pechirongwa cheVHI chaingoiswa mumari yechikwereti. Bhangi rakandiudza kuti kana ndikadzorera nekukurumidza mukati memazuva makumi maviri nerimwe, ndinokwanisa kuramba VHI uye mutengo weVHI uchadzoserwa kwandiri kubvisa 21%. Ndakadzorera chikwereti chacho mberi kwenguva (mumazuva matanhatu !!!), asi vakaramba kundidzosera mari yeVHI (insurance premium) kwandiri.”

Nyanzvi yechikwereti yakapindura kuti pakusaina chibvumirano, Nikolai aifanira kunge akanyatsoverenga mazwi: bhangi rakaendesa mari ye5-year VHI policy kukambani yeinishuwarenzi, saka unofanirwa kubata kambani yeinishuwarenzi uye kuda kubviswa kweinishuwarenzi. chibvumirano kubva kwavari, uye kwete kubva kubhangi. Bhengi, mune iyi kesi, yakazvidzivirira panjodzi dzinogona kuitika, sezvo chibvumirano chechikwereti chakapedzwa kwemakore mashanu.

Iwe unogona zvakare kutaura akati wandei maongororo akadai, kubva izvo zviri pachena kuti vanhu havawanzo verenga zvakanyatsonaka mazwi echibvumirano.

Nhamba huru yekuongorora kwakashata maererano nebasa risina kurongeka reVTB 24 inoshamisa.

Semuenzaniso Oksana, guta risina kutaurwa, anonyora, kuti akavhara chikwereti chake chemotokari kare kare, asi vachiri kumufonera vachida kuti abhadhare chikwereti chasara. Anoenda kubazi kunopihwa zvikwereti zvine dambudziko, kwaanoudzwa kuti imwe mari ichiri kuda kuvharwa, asi venharembozha vanosimbisa kuti chikwereti chakavharwa zvechokwadi.

Pamwe chete neiyi negativity, kune zvakare akawanda akanaka wongororo.

Semuenzaniso, musikana ari pasi pezita rekuti Caprice4You anonyorakuti akawana chikwereti che 400 zviuru pasina matambudziko, kunyange zvazvo aingova nemakore 21 chete. Anoti akaibhadhara pasina kunonoka, mubereko waive, zvisinei, wakakwira - 23 pagore, asi panguva iyoyo haana kuwana chero chinhu chiri nani.

Zvinosuruvarisa, pane zvishoma zvishoma zviongorudzo zvakanaka, asi izvi hazvirevi kuti bhangi rakaipa, asi kuti vanhu vanoshandiswa kugovera matambudziko avo, uye kana zvinhu zvose zvakanaka, hapana chekunyora.

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