Imigaqo uya kukhutshwa mboleko auto Sberbank

Ukususela ku-2013, lo nyaka Savings Bank of bonke mboleko auto ikhutshwa mhlawumbi njengenxenye yenkqubo ezingundoqo, ogama "Car Loan", okanye ngokutsho iinkqubo ezizodwa. Ukuba ukhetha lowo wokuqala, ungalindela ukuba uthenge imoto entsha okanye kusetyenziswa zasekhaya okanye kwamanye amazwe. Ngokuphathelele kwiimeko ezizodwa, ngoko esithetha ngayo iinkqubo kunye automakers ezithile.

Xa sisithi ukuba mboleko imoto Savings Bank zikhutshelwa kwi izithuthi yesibini-ngesandla, imiqathango ethile isicelo apha. Ngoko ke, umzekelo, ubudala imveliso yasekhaya, kwakunye noshishino imoto Chinese ayikwazi ngaphezulu kweminyaka emi-5. zonke ezinye iintlobo zezithuthi yezothutho, kwaye babe 6, no-8 no-10 kwiminyaka "emva kokuzalwa."

Ukuba unomdla kulo amboleke Sberbank, imfuno yobhaliso, kuqala kwiinto zonke, ukuba ukuhlangabezana neemfuno ezithile:

• abe ngummi iRussia ongaphantsi kwe-21, kodwa hayi kweminyaka engama-75 (nelona qondo liphezulu kuthetha ukuba eli xesha le mali-mboleko kufuneka ibe seyibuyisiwe ngokugcweleyo);
• ube okwethutyana, kodwa kunokuba kubhalwe kule ngingqi, apho sihlelwe ukufumana iimali eziyimfuneko ukuze kuthengwe yeemoto;
• nayo ukunyhashwa edlulileyo kwishedyuli nokuhlawulwa kwamatyala;
• Umsebenzi kwaye onamava obungcali;
• bakulungele ukuqinisekisa umvuzo wakhe, imali leyo eza kuvumela ukusetyenziswa kwemali abolekiweyo.

Singathanda ukukhankanya into enjalo, njengoko ithuba lokwenza intlawulo yokuqala. Yena uhlobo ubungqina ubunzulu ngeenjongo zakho. Kungakuhle, kuya kuthatha ubuncinane 30% yexabiso le moto ekhethiweyo.

Kakade ke, lo mbutho zebhanki uthe wenza esweni kwimarike yeentengo ekhutshwe ukuthenga beemoto. Oku ukunika abathengi a magama dyondzisaka kunokwenzeka. Ngokomzekelo, abadlali abaninzi ngetyala kunye neemarike zemali musa ukuthatha ingqalelo kweminye imithombo yengeniso zabathengi. Noko ke, ngaxa inxenye senze into yokuba inani kubaboleki, ingeniso esemthethweni ngokwaneleyo ukuze afumane imali-mboleko, wawa kabukhali. Kakade ke, kwadlula ukukhangela iindlela zokusombulula le ngxaki. Kwaye namhlanje, xa iimeko kwale nkqubo, awunako ukuwabona, kodwa ekuhambeni iingxelo uthethwano Manager ngomlomo ukuba uthathe ingqalelo yonke ingeniso efunyenweyo kubaboleki ezinokwenzeka.

Ngomhla umyinge wenzala kunye elizayo

Izinga lenzala, obubonakala ngokuba yincwadi evuliweyo mboleko auto Sberbank, kuxhomekeke imigaqo ukuba benziwa. Umzekelo, amazinga engange ezi-14.5%, 15.5% ne-16% ngonyaka ukulungiselela iimeko xa ixesha mboleko unyaka okanye ngaphantsi, ukusuka kwelinye ukuya kwiminyaka emithathu kwiminyaka emithathu, ngokulandelelana.

Kufuneka kuqatshelwe ukuba iimali-mboleko zemoto Savings Bank zinikezelwa ezinye iindidi iinkonzo ebeyifuna wenzala. Abemi abafumana ngokusebenzisa imephu yokusekwa imivuzo, imihlala-phantsi kunye neenzuzo zentlalo, sinokulindela ukunciphisa izinga isiseko ngenqaku elinye. Kubonakala ukuba kancinane, kodwa zintle kakhulu.

Xa ndiqukumbela, ndithanda ukuba ziqaphele oku kulandelayo: kungcono ukuba mortgage Sberbank wenziwa kwisebe enye, apho uthathe imali-mboleko yokuthenga imoto. Okokuqala, unako ukubala ukunyaniseka esandleni sakhe. Okwesibini, oyinikiweyo iimeko ezizodwa inkonzo.