Sberbank: galimoto ngongole nzika za Russia

Today Sberbank ndi chimodzi mwa waukulu boma mabanki la Chitaganya cha Russia. Komabe, tisaiwale kuti chiwerengero cha ngongole issuance mapulogalamu apadera ali otsika kwambiri ndipo watsala 5% ya kulemera okwana. M'zaka zaposachedwapa pakhala kukula mu kukongoza. Anthu akuyamba kuwonjezera mlingo wa kukhulupirira boma, ndipo anthu anayamba kupita Sberbank. Car ngongole kukhala wotchuka, ndipo gawo lake la pambuyo mavuto kumawonjezera chaka.

mapulogalamu ngongole pogula galimoto

Pakali pano, Sberbank amapereka mapulogalamu ogula zinayi zosiyanasiyana:

• autocredit m'munsi pa mtengo kuchokera 11,5 kuti 17%;
• msonkhano wapadera mgwirizano ndi galimoto wopanga ndi mlingo wa 10,5 kuti 17%;
• Ogula ngongole popanda ina - kuchokera pa 17 kufika 22,5% pa annum;
• ogula ngongole ndi chitsimikizo ndi ukutitsimikizira zina - kuchokera 16 24,5%.

Kuchuluka chidwi analipira ntchito ndalama kubanki, malingana ndi zinthu zina, zimene zinkaperekedwa mwa Sberbank. Car ngongole zikudalira pa mfundo zingapo owerengeka a wobwereka ndi:

• kuona pulogalamu anasankha;
• nthawi imene mgwirizanowo uli anamaliza;
• ndalama zimene anapatsidwa ndalama, ndi kuti iye adzabwerera;
• borrowers ndiwe wa mndandanda wa mkazi wake;
• Category Auto ndi chochezera, mu umene anagula.

Nthawi zina, mungathe kudalira ŵakwenera galimoto ngongole. Ndalama Bank amapereka ndalama zochepa chidwi 10,5% pa nkhani tinagulira galimoto latsopano "Lada" kuchokera sewerolo latsopano la Russia. Komanso, chikhalidwe kapena ayenera chikalata kuti wobwereka ndi khadi malipiro a gulu la ndalama.

Sberbank la Russia - galimoto ngongole ndi zochititsa

Kumbukirani kuti ngongole kwa ogulidwa galimoto m'gulu mfundo ogula ngongole. N'chifukwa chake n'kofunika kwambiri kumvetsetsa kusiyana mapulogalamu amapereka mwa Sberbank. Car ngongole kwa yachiwiriyo woyamba nkobwerera ngongole ya (galimoto ngongole m'munsi ndi pulogalamu naye), ndi awiri otsiriza - osakhala chandamale (ogula ngongole popanda ina zina ndi ngongole ogula ndi ina zina kapena guarantors ..). Ngakhale zikuluzikulu ndi Othandizana mapulogalamu kupereka zinthu zabwino kwambiri, kugula galimoto zikhoza kukhala mwa zina galimoto dealerships - abwenzi banki. Kuyenera Mukalongosola kuti Bank ndalama ukugwira ntchito opanga onse khumi ndi ziwiri, imene palibe ngati zopangidwa otchuka monga "Toyota" kapena "BMW".

The pazipita kuchuluka yembekezerani

Mapulogalamu onse ngongole anapereka Sberbank, galimoto chovuta okha ukulu. Choyamba, wobwereka ndi Chosiira 15% ya ndalama analandira inshuwalansi anagula. Malinga pulogalamu osankhidwa, pazipita kuchuluka kwa:

• zofunika galimoto ngongole - mpaka 5 miliyoni rubles.
• Othandizana pulogalamu - mpaka 5 miliyoni rubles.
• ogula ngongole popanda ina - mpaka pafupifupi 1.5 miliyoni rubles.
• Ogula ngongole ndi chitsimikizo ndi ukutitsimikizira mu mawonekedwe a ina chinthu - mpaka rubles 3 miliyoni.

Mlingo amatchulidwa mu rubles akhoza operekedwa mayuro ndi ndalama US. Pankhaniyi, mlingo pa ngongole adzakhala peresenti angapo ang'onoang'ono, koma kulipira mu ndalama.