Sberbank: imoto ukubolekisa izakhamuzi zaseRussia

Namuhla Sberbank ingenye ngobukhulu amabhange state of the Russian Federation. Nokho, kufanele kuphawulwe ukuthi inani lesikweletu Ukukhishwa izinhlelo ezikhethekile kuwo sincane kakhulu futhi imayelana 5% we isisindo ingqikithi. Eminyakeni yamuva nje kuye kwaba ukukhula obolekisayo. Labantu uqala ukwandisa ezingeni abakwethembi isimo, futhi abantu baphinda futhi ukuya Sberbank. Car ukubolekisa iyaduma futhi, bukhona post-crisis kwandisa unyaka ngamunye.

izinhlelo Ikhredithi ukuthenga imoto

Kuze kube manje, Sberbank inikeza izinhlelo amakhasimende ayo ezine ezihlukene:

• isizinda autocredit ngesilinganiso kusuka 11.5 kuya 17%;
• isimiso esikhethekile ngokubambisana izimoto nomkhiqizi nge rate of 10.5 kuya 17%;
• loan Umthengi ngaphandle eseduze - kusuka 17 kuya 22.5% ngonyaka;
• umthengi credit isivumelwano sesiqinisekiso futhi liqinisekisa eyengeziwe - kusuka 16 kuya 24,5%.

Inani intshisekelo kukhokhelwe ukusetshenziswa imali ebhange, kuye ngokuthi izimo ezithile, okuyinto zinikelwa yimikhaya Sberbank. Car ukubolekisa lithembela ngokuphelele amaphuzu ambalwa ezikhethiwe ka umboleki:

• ukubuka uhlelo ezikhethiwe;
• isikhathi inkontileka kuphothulwe;
• lwemali lapho unikezwa isamba semali, futhi ukuthi lizobuya;
• ababoleka okuqondene uhlu abalingani;
• Isigaba ngokuzenzakalela bese lounge, lapho kuthengwa.

Kwezinye izimo, ungakwazi ukubala okukhethekile imoto sokubolekwayo. Savings Bank ihlinzeka ubuncane senzalo ka 10.5% esimweni ukuthenga imoto entsha "Lada" kusukela producer WaseRussia. Ngaphezu kwalokho, nomphakathi noma kufanele ikhishwe ukuze lo muntu obolekayo sika ikhadi iholo lenhlangano yezezimali.

Sberbank eRussia - imoto ukubolekisa kanye nezici zayo

Khumbula ukuthi boleko ukuthengwa imoto afakwe nomqondo umthengi credit. Yingakho-ke kubalulekile ukuba baqonde umehluko phakathi izinhlelo ezihlinzekwa ngu Sberbank. Car ukubolekisa zokuqala ezimbili ongakhetha iyona uya khona imalimboleko (imoto base loan futhi lozakwethu), futhi ezimbili zokugcina - non-target (loans umthengi ngaphandle eseduze eyengeziwe kanye loan umthengi eseduze eyengeziwe noma guarantors ..). Nakuba izinhlelo eziyisisekelo nokunxusa ukunikeza izimo ezikahle kakhulu, ukuthenga imoto kungaba kuphela ezithile imoto dealerships - abalingani ebhange. Kumele kucaciswe ukuthi Savings Bank usebenza kuzo zonke abakhiqizi nambili, phakathi okuyinto azikho lemikhiqizo ezifana ethandwa ngokuthi "Toyota" noma "BMW".

Inani eliphelele ningaqiniseka

Ukuze zonke izinhlelo loan ahlinzekwa Sberbank, auto ububanzi sekukaningi kungagcini. Okokuqala, lo muntu obolekayo liyadingeka ukuchitha 15% yemali etholakele umshwalense uthenge impahla. Kuye uhlelo akhethiwe, lemali:

• imoto eziyisisekelo loans - kuze ruble angu-5.
• Uhlelo lobulungu - kuze ruble angu-5.
• loan umthengi ngaphandle eseduze - kuze ruble ayizigidi ezingu-1,5.
• ukubolekisa Umthengi nge isibambiso kanye iziqinisekiso ngesimo eseduze into - kuze ruble ayizigidi ezingu 3.

Amanani okukhulunywa ngayo ruble kungenziwa ekhishwe euro futhi ngamadola wase-US. Kulokhu, izinga ku loan kuyoba ezincane amaphesenti ambalwa, kodwa kuyodingeka bakhokhe lwemali.