Kalimo ea koloi ho Sberbank - litefiso tsa phaello le maemo a ho li fumana

Sberbank ke banka e kholo ka ho fetisisa Russia, thepa ea eona e feta li-ruble tse libilione tse 17. Banka e na le marang-rang a mangata ka ho fetisisa a makala ho pholletsa le naha, 'me ha ho sephiri hore palo e kholo ea Marussia e khetha ho sebelisa litšebeletso tsa banka ena, haholo-holo hona joale, ka lebaka la mathata a lichelete a ke keng a fela ka tsela leha e le efe.

Lenaneo la mokoloto oa Sberbank, le lokela ho hlokomeloa, ha le khahle ka ho fetisisa, esita le har'a libanka tsa Russia, 'me ha ho hlokahale ho bua ka libanka tsa Europe.

Ikahlolele: Jeremane, sekhahla sa tsoala ka mokoloto oa koloi ka tefo ea pele ea karolo ea 15-30 lekholong ea litšenyehelo ke karolo ea 5,5-5,75 lekholong ka selemo, ho Sberbank - 15. Maikutlo ha a na thuso.

A re ke re hlahlobisiseng seo Sberbank e ka se fang batho ba batlang ho reka koloi ka mokitlane.

Melemo ea mokoloto oa koloi ho tsoa ho Sberbank

E 'ngoe ea melemo ea mantlha ea ho alima bankeng ena ke ho ba sieo ha tlhoko ea ho netefatsa chelete eo u e fumanang. Chelete e phahameng e fihla ho li-ruble tse limilione tse hlano, ho fihlela matsatsi a mabeli a ho sebetsa a abeloa ho hlahloba kopo le ho etsa qeto ka mokoloto. Haeba motho e le moreki oa Sberbank, joale qeto e ka etsoa ka hora e le 'ngoe.

Ka mor'a ho etsa qeto e ntle ho mofani ho fihlela matsatsi a 90 ho khetha koloi, 'me e ka ba mohlala o mocha o tsoang ho morekisi oa likoloi kapa koloi e sebelisitsoeng.

Litokomane tsa ho fumana kalimo ea koloi

Haeba u khetha Sberbank, u lokela ho hlahisa litokomane tse latelang ho fumana chelete e hlokahalang:

• litokomane tse peli tse tiisang boitsebiso ba hau - pasepoto e nang le ngoliso ea Serussia le tokomane leha e le efe (passport, ID ea sesole, lengolo la tsoalo, lengolo la ho khanna, joalo-joalo);
• kopo ea kalimo ea koloi.

Ha e le hantle, sena ke sohle, leha u batla ho netefatsa chelete eo u e fumanang, u ka fana ka kopi ea buka ea mosebetsi le setatemente sa morao-rao sa chelete. Ho feta moo, ho lumelloa ho fana ka litokomane tse tiisang boemo ba mosebetsi le moputso oa beng ka uena ba haufi, hammoho le molekane oa hau.

Ha monyetla oa ho fumana mokoloto oa koloi o netefalitsoe, o hloka ho fana ka litokomane tse latelang ho tsoa ho morekisi oa likoloi:

• konteraka ya thekiso ya koloi eo o e kgethileng;
• kopi ea pasepoto ea koloi;
• invoice bakeng sa tefo ea koloi le litefiso tsohle tsa inshorense (OSAGO le CASCO e tlamang).

Ntho e hlokahalang ke ho fana ka tokomane ea tefo e tiisang tefo ea bonyane karolo ea 15 lekholong ea litšenyehelo tsa koloi. Ntle le tefo e tlase ea 15%, ho ke ke ha khoneha ho fumana mokoloto oa koloi ho Sberbank.

CASCO e ka boela ea fanoa ka mokitlane, moo u tla hloka ho fana ka invoice bakeng sa tefo ea tefo ea inshorense.

Baahi ba lilemo tse 21 ho isa ho tse 75 ba ka fumana mokoloto oa koloi ho Sberbank, 'me motho ea alimang o tlameha ho ba le lilemo tse 75 nakong ea tefo ea mokoloto. Haeba moahi a nka mokoloto oa koloi ntle le ho netefatsa boemo ba chelete ea hae, joale lilemo tse ngata ke lilemo tse 65.

Boemo bo bong ba bohlokoa ke hore leha u ka fumana kalimo ntle le ho netefatsa chelete eo u e fumanang, boiphihlelo bo felletseng ba lilemo tse 5 tse fetileng e tlameha ho ba bonyane selemo se le seng.

'Me joale e thahasellisang ka ho fetisisa - litefiso tsa tsoala ka mokoloto oa koloi ho tsoa ho Sberbank ea Russia

Kalimo ea koloi e tsoang ho Sberbank e ka fanoa ka nako ea likhoeli tse tharo ho isa ho lilemo tse hlano. Ha nako ea kalimo e telele, litefiso tsa tsoala li ea holimo.

Litefiso tsa tsoala tsa 2014 ke tse latelang:

• kalimo e nkoa ka selemo - 14,5 lekholong ka selemo;
• ho tloha ho lilemo tse tharo ho isa ho tse tharo - karolo ea 15,5 lekholong;
• ho tloha ho tse tharo ho isa ho tse hlano - karolo ea 16 lekholong.

Haeba motho a e-na le deposit bankeng ena kapa karete ea moputso ea Sberbank 'me a fumana chelete ho eona kamehla, joale litefiso li fokotseha ka karolo e le' ngoe.

Joalokaha u ka bona, khetho e molemo ka ho fetisisa tabeng ea Sberbank ke mokoloto oa selemo se le seng kapa tse peli. Ha tefo e tlase e phahame, tefo e fetang tefello e tlase. Ho bala hore na u tla tlameha ho lefa chelete e ngata hakae, u ka sebelisa sebali sa mokoloto.

Haeba u nka koloi ka lilemo tse 5 ho karolo ea 16 lekholong, ka lebaka leo u tla lefa 80% ea boleng ba eona - eseng tebello e molemo ka ho fetisisa.

Litefiso tsa mokoloto li etsoa khoeli le khoeli, ho lieha, joalo ka tloaelo, ho lebisa ho kotlo - keketseho ea sekhahla sa tsoala ho karolo ea 20 lekholong ea chelete ea kotlo. Ke hore, ha ho hlokahale ho soasoa tabeng ena. Maemong a feteletseng, banka e tla qobelloa ho nka koloi, e behe hore e rekisoe ho lefa kotlo, 'me chelete eohle e setseng e tla khutlisetsoa ho ea alimang - ke hore, tabeng ena, tahlehelo ea lichelete e tla ba. ea bohlokoa, kaha likoloi tse sebelisoang tsa mekoloto hangata li bitsa 20% ka tlase ho litšenyehelo tsa tsona tsa pele.

Ho reka koloi ka mokitlane ke qeto e tebileng, kahoo hlahloba likotsi tsohle hantle, buisana le litho tsa lelapa la hau. Etsa bonnete ba hore u sebelisa sebali sa mokoloto 'me u bone hore na u ka fana ka li-ruble tse likete tse 5-10-20 ka khoeli bakeng sa tekanyetso ea hau.

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