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Universal yokuqasha Inkampani "VTB yokuqasha": abasebenzi ukubuyekezwa, imininingwane

Akuwona wonke amabhizinisi abakwaziyo ukuthenga izimpahla ezibizayo, imishini ekhethekile noma izimoto ezimbonini. Xazulula inkinga ngezimali kungasiza "VTB yokuqasha". Impendulo evela abasebenzi amaklayenti lenhlangano kuzokuvumela ufunde mayelana inkampani kabanzi. Kulesi sihloko, thina chaza imicabango yabantu, kanye ngikuxoxele inhlangano ngokwayo.

Isifinyezo esifushane inkampani

Universal yokuqasha Inhlangano, ilungu izinkampani VTB Group yasungulwa ngo Ehlobo lango-2002. The main futhi umphathi ematheni inkampani, engabanikazi bephephandaba 100% wamasheya, baba PJSC "VTB Bank". Inhlokodolobha ogunyaziwe inkampani Leasing ekuqaleni kwakungeyona likhulu kakhulu. Okwamanje, futhi luye lwaqinisa ruble 14.8 billion.

inethiwekhi nokudayisa, ikhanda ihhovisi, ummeleli

Namuhla, inkampani Leasing, "VTB Bank" ine inethiwekhi umxhwele okudayisa, egijima kuzo zonke izindawo. Ngokwesibonelo, igatsha inkampani, onguchwepheshe imoto eqashisa ngamafulethi, kabanzi amelwe 55 emadolobheni isiRashiya. Ezinye izinhlangano omele kukhona Petersburg, eYekaterinburg, Krasnoyarsk, Krasnodar, Novosibirsk nakwamanye amadolobha nezifunda yeRussia.

Kuyaphawuleka ukuthi zisebenze eqashisa ngamafulethi bayizakhamuzi siphile at ibanga km 500 evela ehhovisi central kanye nezindlela ezifanele amakhasimende ezingaba khona. Kuze kube yimanje, inkampani Leasing "VTB yokuqasha" yenzani konke okusemandleni. Isibonelo, wadala indawo, call centre, futhi njalo inikeza ukuqeqeshwa ngcono amakhono abasebenzi babo. Ihhovisi APC itholakala e Moscow, emgwaqeni Vorontsov, d 43, ukwakha 1. Ucingo okuxhumana :. 8 (800) 700-64-89.

Abaholi balezi inkampani Leasing

Phakathi isakhiwo ukulawula inkampani kungabhekwa njengokuvikela abaqondisi, kanjalo namasekela abo, kanye Accountants, abakhangisi, bezimali. UMqondisi Jikelele ibhizinisi kuyinto Konoplev Andrei Yurievich.

Anakho idigri kwi-ifayela eliwumthombo eMoscow State Technical University, kanye anolwazi tebuholi "Probusinessbank", "Vneshtorgbank", Russian Commercial Bank. usebenza "VTB yokuqasha" kusukela ngo-2003. Umqondisi uyakwazisa nabo futhi ikhuthaza iyiphi imizamo bazuze VTB Group.

CFO nhlangano Aladyshev Kirill Yurevich, ethola iziqu uMbuso Academy of Management yaqanjwa Sergo Ordzhonikidze eMoscow. Imenenja yakhe idiploma. Kusukela ngo-1995, wakwazi ukusebenza ezikhungweni zezimali ezifana "VTB" Bank "Ingxoxo-OPTiM", "iVolga-Oka Commercial Bank Vneshtorgbank Russia", Russian Commercial Bank (Cyprus). Ngesikhathi esifanayo, bekatsatsa ezihlukahlukene izikhundla ezisukela broker, futhi liphetha ngamazwi engusihlalo wesigungu.

Ngo umqondisi-jikelele we inkampani Leasing has ezimbili nje Isekela: Fomenko Nadezhda Vladimirovna futhi Voronetskiy Anatoliy Anatolevich. Bobabili babe imfundo ezezimali nezomnotho, kanye anolwazi komkhakha wamabhange.

Usihlalo weBhodi Labaqondisi kuyinto Solovev Yuriy Alekseevich, osebenza nenkampani kusukela ngoMeyi 2011. Iphini likamengameli inkampani ubhekwa Moos Gerbert. Yena, njengo iningi lamalungu oMkhandlu, wayeke wasebenza PJSC "VTB Bank". Lihlanganisa omunye umuntu:

  • Belov Stanislav Nikolaevich (ophethe isikhundla Vice-President);
  • Levykin uVladimir Dmitrievich (njengeNhloko yebandla Corporate Ukuthuthukiswa uMnyango Strategy);
  • Snesar Dmitry Nikolayevich (iPhini likaMengameli Okokuqala futhi Usihlalo Webhodi).

Isikhundla inkampani emakethe amasevisi eqashisa ngamafulethi

Inkampani onesikhundla ehola emakethe. Naphezu ayesemncane, ifemu uye wakwazi bakwethembe kumakhasimende asekhaya kodwa futhi angaphandle hhayi kuphela.

Okwamanje Joint Stock Inkampani "VTB yokuqasha" (eMoscow), omunye izinkampani Leasing ngobukhulu amabili e-Europe, futhi kuthatha zanda izinkampani ezinhlanu ezinethonya kunazo.

Ubani ongaba ikhasimende ye inkampani?

amaklayenti Abazama amanga inkampani VTB kungenzeka izinhlangano ezingokomthetho kanye osomabhizinisi ngamanye. Futhi kulesi sigaba kufanele kufake abanikazi amabhizinisi ezinkulu commercial futhi yezimboni. Arena imvume ngoba abantu abangekho osomabhizinisi, kungukuthi enikeziwe.

Yiziphi izinhlobo imishini ziyatholakala amanga, na?

Kulesi inhlangano, ungathola ngezimali lezi zinhlobo imishini:

  • ujantshi yezokuthutha;
  • izindiza;
  • uwoyela negesi imishini;
  • imikhumbi yasolwandle;
  • Isisetshenziswa ukwenziwa noma ukuxhashazwa kwezinsiza;
  • imishini amandla;
  • wezimpahla zokuthutha abagibeli;
  • nezimoto bezentengiselwano ukukhanya;
  • izimoto namaloli;
  • imishini.

Ngaphezu kwalokho, eyenziwe 'VTB yokuqasha "ukudayiswa Kuboshwe izimoto, kanye izimali izinhlelo nezincomo zikamasipala ezibhekwa.

Kungaphansi kwaziphi izimo kunikezwa izindiza uchwepheshe?

Njengoba lwefa yaqashiswa ngaphansi kwalolu hlelo ongakhonza kokubili entsha futhi lesibili ngesandla wezimpahla umgibeli izindiza. Noma kunjalo, kungase kube ukukhiqizwa ezifuywayo kanye angaphandle. Liphinde Kusolwa ngezimali imishini, imishini esikhethekile zezindiza kanye nobuchwepheshe yangasese, ogama yobudala ingeqi iminyaka engu-10.

Lapho senza isivumelwano nokubambisana eqashisa ngamafulethi imithetho "VTB yokuqasha" lokucabanga isamba angenamkhawulo mali, uhlelo ngazinye izinkokhelo nosizo kwezinhlangano sebanga wokusebenza kanye Leasing zezimali. Futhi - isimiso somuntu siqu ukuze kukhokhwe nyangazonke, okuyinto eyenziwe ukuvumelana phakathi kwezinhlangano zentando. izinkampani abaningi bacabanga hlelo futhi kukhethwa lwemali yokukhokha (euro, amadola noma ruble).

Hlobo luni imishini sokuthuthukiswa nokucubungula kungathatha?

Njengoba isihloko of Leasing imisebenzi sehlukane isethi ephelele amathuluzi imisebenzi yezimayini, izimayini, itshe-nsimbi, hydrocarbon izinto zokusetshenziswa ekhethiwe. Lokhu kungaba amayunithi ezisetshenziswa umkhiqizo kawoyela, survey Geophysical noma ukuzamazama komhlaba, kanye nemishini sesondlo izinkampani ehlukahlukene amafektri.

Ebhekisela inhlangano "VTB yokuqasha" (lobuya abasebenzi ukuqinisekisa lolu lwazi), uzilungiselele ukuze uthole i-schedule lokukhokha ngamunye. Isici esiyinhloko lolu hlobo ngezimali kuyinto engekho izibambiso. Kulokhu, imishini ngokwayo, ahlotshiswe eqashisa ngamafulethi, futhi uba ukwesekwa. Ekupheleni kwesikhathi, inkampani ingase noma uyibuyisele inkontileka, noma ushiye ngokwakho (ngemuva kokwenza imali predetermined).

Imininingwane imithambo ulwandle futhi emfuleni

Yokuqasha kuncike angasebenza kokubili zasolwandle ezifuywayo international futhi umfula ezokuthutha. Ngaphezu kwalokho, amakhasimende yenkampani uzokwazi ukuthola imali ukuthengwa izitsha ngomumo eyenziwe, futhi ngaphansi ukwakhiwa.

Leasing for nezinhlangano ezingokomthetho eqala isamba angenamkhawulo uxhaso, usizo lokubhalisa imithambo ngaphansi ifulege ayo, ukwakha isimiso izinkokhelo iklayenti, amasevisi umshuwalense ukuze kugasela ezinkampani kokuboshwa kwakhe ngokungemthetho.

Izici of imishini ujantshi

Nge iqhaza kulolu hlelo, ungakwazi ukuthola imali ukuthengwa umgibeli noma zesitimela, imishini, amandla traction nezinye izinto zokusebenza. Igama elithi ka sokuqasha kulokhu akugcini alihleliwe ngamunye kanye nesivumelwano abawugijimayo.

Nokho, ngokungafani izinhlelo odlule, eqashisa ngamafulethi for nezinhlangano ezingokomthetho inikezwa ngesisekelo kusengaphambili. Ubukhulu bayo ivela 0 kuya ku-30% yenani elilinganisiwe kwento yaqashiswa.

Umehluko wemisindo nemiqondo yamagama ukukhiqiza imishini amandla

Njengoba izinto ngoba eqashisa ngamafulethi ingakhethwa amandla, inethiwekhi, kanye neminye imikhiqizo wobunjiniyela. Ekukhishweni yesivumelwano ngaphansi kwalolu hlelo unika oqashile (inkampani iklayenti) eziningi eziwusizo. Isibonelo, hhayi kuphela ivumela kulungiselelwa ishejuli yenkokhelo ngakunye sokuqasha imishini, kodwa futhi ikuvumela ukuba afake intengo ingqikithi SMR luhlobo (izindleko ezilinganiselwa ukwakhiwa kanye ukufakwa umsebenzi).

ulwazi olujwayelekile mayelana inkampani imoto eqashisa ngamafulethi

Car Leasing inkampani "VTB yokuqasha" (imininingwane inhlangano kungabonakala isithombe ngezansi) kukunika ithuba ukwelekelela ezokuthutha yayo imikhumbi, eyenzelwe izisebenzi kanye eziphethe oqashile. Ngesikhathi esifanayo njengoba izifundo for ngezimali akufanele kuphela izimoto ezithwala, izimoto kwezohwebo kanye abagibeli brand ezifuywayo, kodwa futhi izimoto eyaziwa abakhiqizi angaphandle, kuhlanganise nabakhuluma isiShayina.

Iningi izinhlelo yenkampani zisekelwe kwephromoshini auto wabenza, okubenza babe ikhange nakakhulu futhi kube kufinyeleleke oqashile. Kuyaphawuleka ukuthi zonke wabo ukusebenza cishe zonke izikhungo automakers nomthengisi ubambisana VTB ehhovisi eqashisa ngamafulethi.

Yiziphi izinhlelo ezinkulu imoto eqashisa ngamafulethi uphakathi?

Okwamanje, "VTB yokuqasha" abantu ngabanye (SP) futhi abanikazi amabhizinisi ezinkulu, lokhu okulandelayo izinhlelo imoto eqashisa ngamafulethi:

  • "Okuncane phansi inkokhelo";
  • "Intengo ephansi nokwenyuka";
  • "Inkokhelo Ubuncane";
  • "BEE Yokusebenza".

Ngaphansi kwemibandela ye-hlelo "Okuncane phansi inkokhelo", ubukhulu ukukhokhelwa phansi ukuthengwa imishini kungaba 10% intengo umshini. Yize isikhathi sokuqasha imayelana 11-60 izinyanga.

I "Ubuncane ekunyuseni amanani kagesi" kuhilela ukwenza i kusengaphambili afika ku 49% kwentengo imoto, kanye ukuqasha 0% ukwazisa. Ngokwe- "inkokhelo encane" uzokwazi ukukhipha imishini Leasing kanye avtotrasnporta isikhathi esingeqile ezinyangeni ezingu-60. inani kusengaphambili, kulesi simo futhi uzohlala ngaphakathi 49%. Kulokhu, izindleko ukusetshenziswa nyangazonke lwefa yaqashiswa zimbalwa futhi ziyantula. Lokhu kwenzeka ngenxa nesanda sokuqasha.

Ngesisekelo "yokusebenza BEE", unganciphisa izindleko zokuphatha nezezimali ngenxa reassignment izimoto ukuphathwa kwenye inkampani. Uma ukholwa ukuthi izimo zohlelo, inkampani ukuphathwa enakekela zimiselo ezilandelayo:

  • kwenziwa ukunakekela;
  • ukuqaliswa kwe-ukukhanda izimoto;
  • enza isondo fitting imisebenzi;
  • ukuthengwa amathayi amasha futhi isitoreji;
  • usizo oluphuthumayo endleleni;
  • ukuhlinzekwa kwemisebenzi yomshuwalense;
  • ukukhishwa yokubhalisa TC.

Izici baveze eqashisa ngamafulethi

Ngaphezu izinhlelo ejwayelekile inkampani "VTB yokuqasha" (Ikheli avtolizingovogo izinkomba: .. eMoscow, 2nd Yuzhnoportoviy ndima, 16, p 1) itfutfukise iziphakamiso ezithakazelisayo. Ngokwesibonelo, omunye wabo ubhekwa kwesimiso somhlaba Express-eqashisa ngamafulethi, sicabangela izinhlelo ezintathu:

  • "Veza";
  • "Ziveze-Truck";
  • "Express-Umlingane Osebenzelana Naye".

Kuyaphawuleka ukuthi zonke lezi izinhlelo ukuba uthenge ngezimali yenkampani ngokushesha okukhulu. Futhi okubaluleke nakakhulu, ukuthi osomabhizinisi nezinhlangano ezingokomthetho ungenza kanjalo ngaphandle isidingo sokuba kunakekelwe ngokwezinto izitatimende zezimali. kubo yokukhokha Advance iqala kusukela ngo-10%. Ithemu isicelo - sithola usuku olulodwa nje futhi lemali isihloko Leasing - kuze ruble angu-5.

Ngaphezu kwalokho, ngamunye izinhlelo abakwazi kuphela lula eqashisa ngamafulethi imishini, kodwa futhi inikeza ithuba ukuthenga kuze kube amayunithi 5 izimoto. Kuyini okuningi inzuzo futhi ngokushesha.

Ngingakujabulela yini itekisi ukuqasha?

Kwabe sekuvela ukuthi, inkampani angeke kuphela ukuthenga izimoto nemishini amabhizinisi, kodwa futhi ukuqasha amatekisi. Isiphakamiso, njengoba umthetho, isithakazelo ngasese itekisi, izinkampani eziqashisayo yemoto nezinye izinhlangano ehilelekile wezimpahla noma tekutfutsa bagibeli.

Ngaphansi kwemigomo yalesi simiso, ubukhulu yokukhokha phansi iqala kusukela-30% kanye eside ukuqasha - izinyanga 11-36, futhi intengo ngamunye izinto yaqashiswa - kuze ruble 2.5 million. Ngakho inkokhelo yanyanga zonke kuleli cala wenziwa amanani alinganayo noma liyehla.

Yini nezinye izinhlelo ezihlinzekwa inkampani?

Okwamanje inkampani inikeza wonke umuntu Leasing izimoto nge mileage. Ngokuvamile, lezi zimoto zase yayihilelekile ngemoto test futhi akukwazi abaneminyaka engaphezu kuka-3 (izimoto) kanye eminyakeni 4 (amaloli, ezimotweni).

Ngokusho imigomo hlelo, oqashile kuyadingeka ukwenza inkokhelo phansi inani 10%. Intengo tesifundvo Isikhwama iqala ruble 300 000. Igama elithi ka sevisi lezinyanga 12-48. Nokho, ukuba azibandakanye sokuqasha enjalo kungaba osomabhizinisi ngabanye nezinhlangano ezingokomthetho, ukwenza ngempumelelo ibhizinisi okungenani ngonyaka.

Ngaphezu kwalokho, "VTB yokuqasha" linikeza izimoto ezikhethekile izikole ukushayela. Lolu hlelo luyatholakala ngosizo we "Movement" Ukuqeqeshwa nokuthuthukiswa sokusekela. Ihilela Leasing izimoto isilungele ukuqeqeshwa. Kuyaphawuleka ukuthi, ngokuhambisana nemithetho yohlelo, oqashile uthola imoto elungele eneshadi e-PTSD. Ngakho-ke, lo mshini ngokushesha isilungele ukusetshenziswa.

"VTB yokuqasha": ukuthengisa izimoto Kuboshwe

Uma unesifiso wonge imali, ungahlala ukuthenga izimoto ukuthi babe Izipesheli e eqashisa ngamafulethi inhlangano. Omunye khetho onjena uthengise ezokuthutha isiboshwa. Ukuze kube lula, enze izinyathelo ezilandelayo:

  • ukuya website kwenhlangano auto.vtb-leasing.ru;
  • ukhethe ithebhu "Izipesheli";
  • wehlele ithebhu phansi;
  • kusuka kwimenyu ukukhetha iwindi futhi ukuya "ukuthengiswa kwempahla".

Khona-ke udinga ukukhetha uhlobo imoto, umkhiqizo kanye nomuzi.

Kanjani ukuze uthole imoto ukuqasha?

Ukuze oda ozithandayo imoto eqashisa ngamafulethi yakho, udinga ukugcwalisa kuphela izikhala e isicelo inthanethi. Kuyadingeka ukuba usinike imininingwane elandelayo:

  • Igama eliphelele uxhumane umuntu ;
  • e-mail;
  • iphuzu okumele linakwe
  • idolobha;
  • ukuphawula.

Ngokulandelayo, ngeke nje uvumelana ngokucubungula imithetho idatha yomuntu siqu futhi ukuthumela isicelo inkampani "VTB yokuqasha". Impendulo evela abasebenzi ekhuthaza abasebenzisi eziningi. Kususelwa kubo, kungashiwo baphetha ngokuthi kokucubungula isicelo kuyashesha kakhulu (ngosuku). Ngakho-ke, wena uyobizwa ngokuthi emuva ngokushesha, ukucacisa imininingwane bese uphakamisa uhlelo ezifanele kakhulu inkampani.

Yini abantu bathini mayelana abasebenzisi yenkampani nabasebenzi kwenhlangano?

Ngaphambi zisebenza aqinile, ngokwesiko ukufunda izibuyekezo. Ngokwesibonelo, abanye osomabhizinisi ukhulume amaziyo zabo eziphumelelayo zokuqhuba ibhizinisi nenkampani. Ezikuthandayo izinga lenkonzo, ngesivinini ukucutshungulwa kwemibhalo kanye nekhono akubuyise ngokukuhlenga ukuqasha imoto. Nakuba abanye akhononde inkonzo ezinjengendle. Ngokusho kwabo, isivumelwano uqobo "eluhlaza" futhi uye sekukaningi acatshangelwe, ikhokhelwe umshwalense kwadingeka alinde izinyanga ezingaphezu kuka ezimbili, bazigcwalisa amafolda ne imibhalo njalo elahlekile.

Cabanga flip uhlangothi "VTB yokuqasha" - abasebenzi impendulo. Ngokusho izindaba ezinye zazo, inkokhelo zivame ilibele inkinga akuyona lilonke. Futhi izindleko zokuhamba kwenzeka emva kwezinyanga ezintathu. Ngaphezu kwalokho, abaningi ungakuthandi yokuntuleka ukukhula umsebenzi, kwekhefu lasemini futhi iholide ikhokhwe. Kanti abanye, inkokhelo musa ukuhlangabezana nezidingo ukusebenza. Nokho, kanti owesine - zonke ujabule, kodwa babheke phambili amaholo aphezulu.

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