Amagama lapho kungenziwa ikhishwe ukubolekisa auto Sberbank

Kusukela 2013, unyaka i-Savings Bank kuzo zonke ukubolekisa auto zikhishwa noma njengengxenye Uhlelo oluyisisekelo, ethiwa "Car Loan", noma ngokuvumelana izinhlelo ezikhethekile. Uma ukhetha owokuqala, ungalindela ukuthenga imoto entsha noma esetshenzisiwe yasekhaya noma amazwe. Ngokuphathelene izimo ezikhethekile, khona-ke thina ukhuluma mayelana nezinhlelo ezikanye automakers ethize.

Lapho sithi Savings Bank ukubolekisa imoto ikhishwa kwi izimoto lesibili ngesandla, imikhawulo iyasebenza lapha. Ngakho, ngokwesibonelo, engu-production ezifuywayo, kanye amaShayina imoto umkhakha ayikwazi ukudlula iminyaka 5. zonke ezinye izinhlobo zezimoto zokuhamba, futhi kungenzeka ukuthi iminyaka 6, 8 no-10 "emva kokuzalwa."

Uma unesithakazelo kule boleko Sberbank, isidingo sokubhalisa, okokuqala kunakho konke, ukuze uhlangabezane nezimfuneko ezithile:

• abe yisakhamuzi Russia hhayi ezingaphansi kuka 21, kodwa hhayi abaneminyaka engaphezu kuka-75 (mkhawulo kusho ukuthi ngalesi sikhathi loan kumelwe abuyiselwe ngokugcwele);
• abe yesikhashana, kodwa kunalokho kube nombhalo ogciniwe esifundeni, lapho kuhlelwe ukuba bathole izimali ezidingekile ukuthengwa izimoto;
• babe in the ukwephulwa esidlule isimiso isikweletu ukubuyiswa kwemali;
• umsebenzi futhi ube isipiliyoni professional efanele;
• uzilungiselele ukuqinisekisa imali yakhe esemthethweni, futhi leyo mali ngeke avumele ukusetshenziswa kwezimali waboleka.

Sithanda ukusho mthetho, njengoba ithuba ukwenza inkokhelo yokuqala. Uyena hlobo of bonakaliso kahle ukungathí sina kwaleso kanjani izinhloso zakho. Kahle kahle, kuzothatha okungenani u-30% we ukubaluleka imoto ekhethiwe.

Yiqiniso, wathi yasebhange inhlangano wahlanganyela ukuqapha credit emakethe esikhishwe ukuthengwa bezimoto. Lona ukunikela amakhasimende imigomo nezimo xaxa kunokwenzeka. Isibonelo, abadlali abaningi credit kanye nezimakethe zezimali musa acabangele okunye imithombo imali amakhasimende ayo. Nokho, esikhathini esithile zibhekene yokuthi isibalo ababoleka, imali olusemthethweni kwanele ukuthola imali-mboleko, kwehle kakhulu. Yiqiniso, kwakudinga ukuba ufune izindlela zokuziphindiselela ukuxazulula le nkinga. Futhi namhlanje, kule nemibandela lolu hlelo, ungakwazi ukubona, kodwa ngokuhamba imibiko wokubonisana Manager ngomlomo ukuthi inake wonke imali etholwe ababoleka ezingaba khona.

On the inani lenzalo kanye nekusasa

Izinga lenzalo yemali mboleko, izimpawu ukubolekisa auto Sberbank, kuncike imigomo zenziwa lapho. Ngokwesibonelo, amazinga ruble kukhona 14.5%, 15.5% no-16% ngonyaka basingathe amacala lapho isikhathi loan ngonyaka noma ngaphansi, komunye iminyaka emithathu futhi kuphele iminyaka engaphezu kwemithathu, ngokulandelana.

Kufanele kuqashelwe ukuthi le Savings Bank ukubolekisa imoto ikhishwa ezinye izigaba amaklayenti evumayo senzalo. Izakhamizi ethola ngokusebenzisa ibalazwe ukusungulwa inkokhelo, izimpesheni nezinzuzo zezenhlalo, bangalindela ukuba sinciphise izinga lokutholakala isizinda nge iphuzu elilodwa. Kubonakala sengathi kancane, kodwa limnandi.

Ekuphetheni, ngingathanda uqaphele okulandelayo: kungcono uma mortgage Sberbank senziwa emnyangweni ofanayo, lapho uthathe khona loan ukuthenga imoto. Okokuqala, ungakwazi ukubala ubuqotho bazo esandleni sakhe. Okwesibili, ungase ahlinzekwa izimo elikhethekile lenkonzo.