ʻO ka hōʻaiʻē kaʻa me ka uku ʻole ʻia ma Alfa Bank

ʻAʻole pili i nā polokalamu hōʻaiʻē kaulana no ke kūʻai ʻana i kaʻa i kēia manawa, no ka nui o nā Lūkini e noho mau nei lākou ma muli o ka mea pono lākou e uku i ka uku mua, ʻo ia ka liʻiliʻi he 10 pakeneka o ke kumukūʻai.

ʻO 10 ka nui o ke kumukūʻai o ka kaʻa kālā nui loa no 300-400 tausani he 40 tausani rubles, ʻaʻole nui ka nui, akā hiki ke paʻakikī ke hōʻiliʻili.

No laila, aia kahi hoʻowalewale nui e hoʻohana i nā hāʻawi hōʻaiʻē, nā hōʻaiʻē hōʻike like ʻole e hiki ai iā ʻoe ke kūʻai i kahi kaʻa i makemake ʻia me ka ʻole o ka uku. Manaʻo maikaʻi nā luna o nā mea kūʻai kaʻa i ke ʻano o ke kaiāulu a me ke kūlana kālā maoli o nā Lūkini he nui, a no laila, i ka hui pū ʻana me nā panakō, hāʻawi lākou i ka manawa e lawe i ke kaʻa ma ka hōʻaiʻē me ka ʻole e uku i ka uku.

Loaʻa iā Alfa-Bank nā papahana like? E ho'āʻo kākou e noʻonoʻo.

Ke kūʻai ʻana i kaʻa ma ka hōʻaiʻē mai Alfa-Bank me ka uku ʻole

ʻAe, ʻoiaʻiʻo, hāʻawi kēia panakō iā mākou i ka manawa e kūʻai ai i kaʻa me ka ʻole o ka uku ʻole, hiki ke loaʻa ia mau papahana ma nā hale kūʻai kaʻa he nui ma Moscow. Akā he aha kēia papahana?

ʻAʻole kēia he mea ʻē aʻe ma mua o kahi hōʻaiʻē kālā maʻamau, a ua hoʻopuka ʻia ma nā kūlana koʻikoʻi. Aia kekahi mau papahana hōʻaiʻē:

• "Fast" - a hiki i 250 tausani;
• hoʻopaʻa ʻia e ka waiwai - a hiki i 60 miliona;
• hōʻaiʻē kālā - a hiki i 1 miliona (2 miliona i nā mea kūʻai kālā a me nā mea kūʻai aku hui).

ʻO ia hoʻi, ma ka ʻōlelo ʻana, pecking i ka hāʻawi ʻana e kūʻai i kaʻa ma ka hōʻaiʻē me ka ʻole o ka uku, ʻae ʻoe i nā kūlana kūpaʻa ʻole.

Inā nele ʻoe ma kahi o 10 a 250 tausani e kūʻai i kaʻa, a laila hiki ke hāʻawi ʻia iā ʻoe i kahi hōʻaiʻē kālā a i ʻole kāleka hōʻaiʻē wikiwiki. Loan "wikiwiki" ka uku panee - mai 37 a 67 pakeneka o ka makahiki. Nui ka uku, akā aia kahi manawa aloha o 60 mau lā ke uku ʻole ʻia ka uku. Eia kekahi, ʻaʻole pono ʻoe e hōʻike i nā palapala hōʻoia kālā a ʻimi i nā mea hōʻoia.

Inā makemake ʻoe e moraki i kāu keʻena a i ʻole he waiwai ʻē aʻe, a laila e hāʻawi ʻia ʻoe i nā kūlana maʻalahi, ʻoi aku, hāʻawi ʻia kēlā hōʻaiʻē no ka manawa o 10 mau makahiki me ka liʻiliʻi o 13,6%. ʻO ia hoʻi, hiki ke kiʻekiʻe ke kiʻekiʻe a hoʻoholo ʻia i kēlā me kēia hihia. ʻO ka pōmaikaʻi, hiki iā ʻoe ke kūʻai i ke kaʻa ʻoi loa ke kumukūʻai, inā ʻoi aku ka waiwai o kāu keʻena ma kahi miliona. Pono nō hoʻi e ʻae ka poʻe a pau i hoʻopaʻa inoa ʻia ma kāu keʻena.

ʻO kahi hōʻaiʻē kālā mai Alfa-Bank e lawe i kēia mau kūlana:

• mai 50 tausani a ʻelua miliona no nā mea kūʻai panakō a me nā mea kūʻai aku hui;
• a hiki i hoʻokahi miliona no nā mea ʻē aʻe;
• ʻaʻole pono kahi hōʻoia, pono e hōʻoia i ka loaʻa kālā;
• ʻAʻole uku ʻia nā komisina no ke kākau inoa ʻana a me ka uku mua ʻana;
• manawa - a hiki i elima makahiki.

ʻO nā pākēneka, pono e ʻōlelo ʻia, ʻaʻole liʻiliʻi:

• 16,99-30,99 no ka makahiki no ka poe i loaa ka uku ma ke kāleka o keia banako;
• 17,49-34,99 - nā hui hui o ka panakō;
• 19,49-39,9 - nā māhele ʻē aʻe a pau.

Ke hoʻohana nei i nā helu matematika maʻalahi, hiki iā ʻoe ke helu i ka nui o ke kumukūʻai e lawelawe ai i kēlā hōʻaiʻē. Hoʻoholo ʻia ka uku paneʻe i kēlā me kēia, ma muli o ka piha o ka ʻikepili i hāʻawi ʻia e pili ana iā ʻoe iho, ka pae kālā, a pēlā aku.

Ke ho'āʻo nei ka panakō e hōʻoia iā ia iho ma nā ala āpau a kū mai nā kūlana paradoxical: e loaʻa i kekahi luna o kahi hui hanohano ka uku haʻahaʻa haʻahaʻa ma mua o kahi limahana hana maʻalahi. ʻAʻole hāʻawi ʻia kēia hōʻaiʻē i kēlā me kēia ʻoihana, a me kēlā poʻe i hoʻopaʻa inoa ʻia ma nā hale hoʻokipa. Inā lawe ʻoe i ka ʻinikua ola, a laila e hoʻemi ʻia nā uku o ka hōʻaiʻē.

ʻO nā koi no ka mea hōʻaiʻē he mea maʻamau: pono ʻoe e loaʻa ka loaʻa kālā maʻamau o ka liʻiliʻi o 10 tausani i kēlā me kēia mahina, hoʻopaʻa inoa mau ma kahi o nā lālā panakō. E hōʻoia i kāu loaʻa kālā no nā mahina 6 i hala. Pono pū nā palapala maʻamau: kahi passport, kahi palapala ʻelua, kahi palapala hōʻoia o ka hana e pili ana i ka loaʻa kālā, a me kekahi o nā palapala e koho ai: koi ʻia ke kulekele ʻinikua olakino, ʻinikua olakino manawaleʻa, kope o ka puke hana, kahi passport me kahi hōʻailona. e pili ana i ka visa, ka palapala kakau kaa.

Ma hope o ka hāʻawi ʻana i kahi hōʻaiʻē, e loaʻa iā ʻoe ke kālā holoʻokoʻa ma kahi kāleka panakō. ʻO nā kumu kūpono:

• ʻaʻole uku ʻia nā komisina;
• ʻO CASCO ke koho;
• ka hiki ke uku mua.

Polokalamu hōʻaiʻē kaʻa mai Alfa-Bank

Aia kekahi mau papahana ma kēia panakō me kahi haʻawina haʻahaʻa mua - mai ka 10 pakeneka. ʻOi aku ka maikaʻi o nā kūlana o kēia papahana:

• uku panee mai 11,75 a i 21,59 pakeneka o ka makahiki;
• ʻO ka nui loa he 5,6 miliona rubles.

ʻOiaʻiʻo, aia kekahi mau ʻāpana. No laila, hiki i nā mea kūʻai pilikino ke loaʻa ka nui o 3 miliona ma 15,79-16,79 pakeneka, ʻoiai ʻo ka uku mua he 15 pakeneka. Aia kekahi manawa e kūʻai ai i kaʻa me ka hoʻopaʻa inoa ʻole ʻo CASCO, akā loaʻa kēia no ka uku uku a me nā mea kūʻai aku ʻoihana, a ʻo 17,79-21,59% ka uku uku.

Mai ka mea i hōʻike ʻia ma mua, ʻōlelo ʻia kahi hopena - heluhelu pono i ka ʻaelike me ka panakō, ʻoi aku ka liʻiliʻi o nā footnote. ʻO ke kūʻai ʻana i kaʻa me ka uku ʻole he mea hoʻowalewale, akā pono ʻoe e uku hou aku.

Ke hoʻouka nei…