I-Sberbank: mboleko yemoto kwiimeko ezifanelekileyo

Namhlanje, ngamanye, imoto yindlela yokuthutha kuphela, kwabanye - uhlobo lwekhadi lokutyelela, kakuhle okwesithathu - iphupha elingenakwenzekayo ngenxa yokungabi naso kwemali ukuyithenga. Kodwa, njengoko besithi, akukho nto ayinakwenzeka. Kulabo abaphupha ngomhlobo onamavili amane, kukho ithuba elihle lokuthenga imoto ngetyala.

I-Sberbank: mboleko yemoto kwixabiso lentengo enokuthengwa

Okwangoku, iinkonzo zemboleko zemoto zona ziqhelekileyo kwiimarike zekhredithi yelizwe. Enyanisweni, ngenxa yolu, unokwenza lula kwaye ngokukhawuleza ube ngumnikazi weemoto zangaphakathi kuphela, kodwa kunye neemoto zangaphandle. Imboleko yemoto ayikhutshwa kuphela kumaziko ebhanki, kodwa nakwiiziko ezizodwa zithengisa izithuthi ezisebenzisana nabakhiqizi beemoto abaziwayo behlabathi. Ngokomzekelo, i-Sberbank imboleko yemoto ifikelela kubathengi bayo ngenani lentlalo ngokwenene, ngelixa kunika inani elincinci kakhulu kumboleki.

Izibonelelo eziphambili zemali-mboleko yemoto zikhona, ukulungiswa kwazo zonke iimviwo eziyimfuneko ngabaqeshwa abaneemfanelo, ukusetyenziswa kwekhontrakthi ngexesha elifutshane kunokwenzeka, ukuvavanya ngokugcwele imeko yezobugcisa beemoto, ithuba lokuqhuba uvavanyo, ukhetho lokuzikhethela lwemodeli yemoto, kunye nokukhethwa kwenkampani yomshuwalense. Ukongezelela, iimali-mboleko ze-Sberbank ngo-2013 ziye zaphakama kumgangatho omtsha wobudlelwane obuthembayo nabathengi. Oku kuboniswa ukungabikho kwekhomishini kunye nokukhululeka kokubhalisa.

Masikele ingqalelo, ukuba iMboleko yeBhanki ye-Savings yaseBhanki ngaphandle kokuhlawulwa kokuqala ayifaki kwakhona. Kulo nyaka, kwenziwe isigqibo malunga negalelo elincinci le-15%. Kodwa apha kukho i-pluses: ukuba umntu obolekayo ulungele ukuhlawula idiphozithi yokuqala ye-30% yemali yexabiso lemoto, uxolelwe kwisidingo sokubonelela ibhanki ngekhadi lokurekhoda komsebenzi, kwakunye nephakheji epheleleyo yamaphepha eqinisekisa isimo sayo semali.

I-Sberbank: mboleko yemoto kwiimeko ezifanelekileyo

Ukuba uthetha ngakumbi ngemali-mboleko yemoto, amaninzi amabhanki kunye namaziko anika abaxhasi babo iinkqubo ezilandelayo: ngaphandle kokuhlawulwa kwemali -mboleko, imali mboleko-mboleko, ukubolekisa ngemali, ukubolekisa imoto, ukubolekisa ngemoto ngemali ekhethiweyo kunye neenkqubo zokutshintshana ngemoto endala kwimoto entsha. Kodwa, ngelishwa, zonke iinkcazo zifihla ngezinye iinkcukacha phantsi kwazo ngokwabo kunye nemingcipheko ethile xa, umzekelo, i-Sberbank imboleko yemoto inika iimeko ezithile kwaye ayilumkiseli umboleki malunga nokulahlekelwa kwimiba engalindelekanga.

Kubalulekile ukukhankanya i-inshurensi yemoto, nto leyo eyimfuneko yokuyila imboleko yemoto kungakhathaliseki inkqubo yayo. Le nkqubo ayimfuneko nje kuphela kwibhanki, kodwa nakumthengi. I-inshurensi yemoto iya kuba luncedo kakhulu kulabo abathengayo imoto esetyenziswayo.