Kalimo ea koloi ho Home Credit Bank
Home Credit Bank ke e 'ngoe ea litšebeletso tse ka sehloohong tsa lichelete Russia. Mabapi le ho alima palo ea baahi ka 2012, e ile ea nka sebaka sa boraro, palo ea lichelete tsa banka e fihla ho li-ruble tse limilione tse likete tse 50, 'me chelete e kenang ka lilemo tse fapaneng e fetoha pakeng tsa li-ruble tse limilione tse likete tse 15-20.
Litšebeletso tsa banka li sebelisoa ke limilione tsa Marussia, marang-rang a makala le ATM a ntlafatsoa, banka e boetse e kopanela mesebetsing ea liphallelo.
Likoloto tsa koloi ho tsoa ho Home Credit Bank
Banka e fa bareki ba eona mananeo a 'maloa a kalimo bakeng sa ho reka koloi.
Mananeo a ho fumana chelete ka mokhoa o sa lokelang, ke hore, o ka fumana chelete ho tloha ho li-ruble tse likete tse 50 ho isa ho tse 500 'me ue sebelise ka boikhethelo ba hau.
Lenaneo lena le na le melemo le likotsi tsa lona.
Chelete:
- phaello ea phaello ea selemo le selemo - 23,9% ka selemo;
- litlhoko tse thata bakeng sa bareki - etsa bonnete ba hore u bonts'a mehloli ea chelete, nalane e ntle ea mokoloto, lilemo ho tloha ho lilemo tse 23 ho isa ho tse 64.
Ke hore, ha e le hantle, u fumana chelete ka chelete ka karete ea banka ebe u reka eng kapa eng eo ue batlang. Sistimi e joalo e boetse e bolela likarolo tse ling tse ntle:
- ha ho hlokahale ho fana ka CASCO ntle le ho hlōleha;
- haeba u reka koloi e sebelisitsoeng, joale e ka 'na ea e-ba ea selemo sa pele sa tlhahiso ho feta kamoo libanka tsohle li hlokahalang (e seng lilemo tse fetang 5 bakeng sa likoloi tsa malapeng, le tse 10 bakeng sa likoloi tse tsoang linaheng tse ling);
- hang-hang u ba mong'a koloi ka botlalo 'me u na le litokomane tsohle matsohong a hao, ke hore, haeba u lakatsa, u ka rekisa koloi, u e fe khōlo.
Ho fumana mokoloto o joalo, o tla hloka sete e tloaelehileng ea litokomane:
- pasepoto le tokomane e 'ngoe ho netefatsa boitsebiso (passport, ID ea sesole, VU, setifikeiti sa penshene);
- litokomane tsa ho netefatsa solvency (setifikeiti sa moputso, kopi ea buka ea mosebetsi, leano la CASCO, PTS, pasepoto e nang le setempe sa ho etela kantle ho naha selemong se fetileng, jj.)
Kopo ea kalimo e nahanoa ho fihlela matsatsi a mahlano 'me chelete hang-hang e kenngoa kareteng ea hau. Nako ea kalimo ho fihla likhoeling tse 60. U hloka ho lefa sekoloto ka likarolo tse lekanang ka tsela leha e le efe e fumanehang, ha ho na likomishene tsa ho ngolisa le ho lefa kapele.
Haeba u le penshene, joale ho na le lenaneo la penshene bakeng sa hau, le hoja u ka fumana likete tse 150 feela, empa ka sekhahla se tlaase - 22,9 ka selemo. Lipehelo tsa ho ngolisa le ho lefa li tšoana.
Mananeo a khethehileng a kalimo ea koloi
Home Credit Bank e boetse e fana ka mananeo a mangata a reretsoeng ho reka likoloi. E tloaelehileng haholo ke "AUTOMANIA“. Lenaneo lee ke eng mme melemo ea lona ke efe?
Ntho ea pele e hapang mahlo a hau ke chelete e nyenyane ea likalimo - ha ho tse fetang likete tse 500, ke hore, lenaneo lena le reretsoe ho reka likoloi tsa tekanyetso. Nako eo u hlokang ho lefa mokoloto ka eona ke lilemo tse 4.
Likoloi li ka rekoa ka bobeli le ho sebelisoa. Baahi bohle ba nang le ngoliso ea Serussia le mohloli o sa feleng oa chelete ba ka etsa kopo ea mokoloto - ho hlokahala setifikeiti sa chelete.
Kalimo e fanoa ho latela mokhoa o tloaelehileng. U khetha mofuta oa koloi o u loketseng, mong'a kapa batsamaisi ba salon ba u fa invoice, eo u eang ka eona bankeng kapa u ikopanye le moeletsi oa mekitlane. Ho fumana qeto e nepahetseng, hlahisa litokomane tsohle tse hlokahalang le tlaleho ea chelete ka lekhetlo la ho qetela. Ho nahanela ho ka nka matsatsi a mahlano, ka mor'a moo chelete e fetisetsoa akhaonteng ea hau.
Empa ho na le e 'ngoe e tebileng haholo "EMPA" - sekhahla se tla fihla ho 29,9 lekholong ka selemo. Ho e fokotsa, o hloka ho ngolisa koloi e le pledge ho banka nakong ea likhoeli tse robong ka mor'a ho reka. Tlas'a boemo bona, sekhahla se fokotsoa ka bohona ho 18,9%. Haeba koloi e tšepisitsoe bankeng, u tla fuoa feela kopi ea Title Deed, 'me u tla fumana ea mantlha matsohong a hao ka mor'a ho lopolloa. Hape o hloka ho etsa kopo ea CASCO.
Ho na le mananeo a mang a reretsoeng ho reka likoloi tse sebelisitsoeng le tse ncha. Lenaneo la New Cars le u lumella ho reka koloi ea boleng ba li-ruble tse ka bang milione le halofo. Sekhahla sa tsoala se ipapisitse le palo ea tefo ea pele le nako ea mokoloto, sekhahla se tlase ke liperesente tse 14,9.
Hape ho na le lenaneo la ho reka koloi e sebelisitsoeng ka chelete e ka bang li-ruble tse limilione tse 1,5. Sekhahla se tlase sa tsoala se tla tloha ho liperesente tse 16,9 ka selemo. Nako ea mokoloto e fihla ho lilemo tse 4, motho ea alimang o hloka ho netefatsa boemo ba chelete ea hae.
Hape ke habohlokoa ho bolela hore banka e na le likamano le barekisi ba likoloi tse fapa-fapaneng, ho phaella moo, ka linako tse ling ho etsoa lipapatso tse fapa-fapaneng, 'me liphetoho li etsoa mananeong a itseng. Ho nka monyetla ka tlhahiso ea papatso, o hloka ho bala lipehelo ka hloko, hobane bareki ba bangata ba sheba lipapatso tse kang "5,9 lekholong ka selemo, hammoho le sete ea lithaere tsa mariha e le mpho." Leha ho le joalo, ha ho hlahlojoa ka hloko, hoa fumaneha hore maemo a joalo a sebetsa feela ha ho etsoa tefo ea pele ea karolo ea 50 lekholong, kapa bakeng sa mohlala o itseng feela.
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