ʻO ka hōʻai'ē kaʻa ma Sberbank no nā penikala
Hāʻawi ʻo Sberbank o Rūsia i nā penikala i ka manawa e loaʻa ai kahi hōʻaiʻē no ke kaʻa, ʻo ia hoʻi, ʻo Sberbank ka mea mua i hoʻomaka e hoʻolako i ia lawelawe.
He nani loa nā kūlana hōʻaiʻē a ua koi kēia i nā poʻe he nui ʻaʻole i hoʻomaha e noi i kahi hōʻaiʻē ʻaʻole ma ko lākou inoa ponoʻī, akā ma ka inoa o ko lākou mau mākua ʻelemakule.
Ma nāʻaoʻao o ka Vodi.su portal, ua kākau mua mākou e pili ana i nā hōʻai'ē kaʻa mai Sberbank, ma kēiaʻatikala e ho'āʻo mākou e kamaʻilio e pili ana i nā hōʻai'ē kaʻa no ka poʻe penikala - nā kūlana, nā uku uku, nā palapala kūpono.
Nā ʻōlelo o kahi hōʻaiʻē kaʻa no ka poʻe penihana mai Sberbank
Hiki i kēlā me kēia kanaka solvent ke kūʻai i kaʻa me kahi hōʻaiʻē panakō. Hāʻawi ʻo Sberbank i kahi papahana kūikawā no nā penikala. He mea pono e hoʻomaopopo i ka nui o nā penikala ma Rūsia ʻaʻole i hiki i ka pae ʻEulopa; no laila, kānalua ka poʻe penikala i nā hōʻaiʻē.
Inā ʻaʻole lawa ka nui o ka penikala no ka loaʻa ʻana o kahi hoʻoholo maikaʻi, hāʻawi ka panakō e huki i nā mea hōʻoia a i ʻole nā mea hōʻaiʻē - nā keiki, ka wahine, nā pili pili.
E hoʻoholo maikaʻi ʻia inā hāʻawi nā mea hōʻoia a i ʻole nā hoa hoa ʻaiʻē i kā lākou ʻae.
Hoʻomaopopo pū ka panakō i ka nui o nā penikala nā mea kūʻai aku o Sberbank, e loaʻa ana nā penikala ma nā kāleka panakō. Nui nō hoʻi ka poʻe penihana ma ʻaneʻi he waihona nui. E hāʻawi ʻia kēlā mau mea kūʻai aku i nā pōmaikaʻi nui.
No laila, e neʻe kākou i nā kūlana.
Loan me ka hōʻoiaʻiʻo
Inā loaʻa kekahi mea e hōʻoiaʻiʻo i kahi penikala, hiki iā ia ke loaʻa i kahi hōʻaiʻē me ka pilikia ʻole.
ʻO ka manawa hōʻaiʻē a hiki i ke kanaono mahina. I ka wā hoʻōla ʻAʻole pono ka makahiki o ka mea penihana ma mua o 75 mau makahiki. ʻO ka liʻiliʻi liʻiliʻi he 15 tausani, ʻo ka nui loa he ʻekolu miliona. Inā haʻahaʻa loa ka penihana, a laila hiki i ka mea penikala ke huki i nā hoa ʻaiʻē a e noʻonoʻo ʻia ko lākou pae kālā.
ʻO ka uku paneʻe no kahi hōʻaiʻē me ka hōʻoiaʻiʻo mai ka 14 pakeneka o ka makahiki.
ʻAiʻē me ka hōʻoia ʻole
Inā ʻaʻohe mea nāna e hōʻoiaʻiʻo i ka mea penikala, a laila kiʻekiʻe ke kūlana o ka hōʻole.
ʻAʻole pono ka makahiki o ka mea penihana ma mua o 65 makahiki i ka manawa o ka uku. ʻO ka nui o ka nui he hoʻokahi a me ka hapa miliona rubles, ʻo ka uku uku mai ka 15 pakeneka. Hiki ke huki i nā hoa ʻaiʻē.
Pono e nānā i ka ʻoiaʻiʻo me ka nānā ʻole ʻana a i ʻole ka loaʻa ʻole o nā mea hōʻoia, ʻo ka hoʻoholo maikaʻi e hilinaʻi nui ʻia inā he mea kūʻai kālā ka mea hōʻaiʻē. Inā ʻo ia, a laila hiki i ka liʻiliʻi o 2 mau hola e hoʻoholo ai. A i ʻole, ʻelua lā.
Hoʻomaopopo pū ʻia ka mōʻaukala hōʻaiʻē o ka mea penihana - ʻoi aku ka nui o ka manawa o ka poʻe hōʻaiʻē maikaʻi ʻole i lohi ʻole i ka uku.
E hoʻolohe pū i ka ʻoiaʻiʻo o nā kūlana i hōʻike ʻia ma luna nei e pili ana i ka hōʻaiʻē mea kūʻai aku, ʻo ia hoʻi, ʻae kēia papahana iā ʻoe e loaʻa kālā pololei i kāu waihona kālā a hoʻolilo iā ia ma kāu manaʻo, me ke kūʻai ʻana i kaʻa.
Ke loaʻa iā ʻoe kahi hōʻaiʻē ma lalo o kēia papahana, loaʻa iā ʻoe kekahi mau pōmaikaʻi:
- ʻaʻole pono e hoʻopuka i ka CASCO;
- Hiki iā ʻoe ke hoʻopuka i ka OSAGO ma kekahi hui, ʻaʻole wale i kēlā mau hui ʻinikua i hui pū me ka panakō;
- no nā penihana, ʻoi aku ka haʻahaʻa o ka uku paneʻe ma nā hōʻaiʻē ma mua o nā kamaʻāina hana;
- ʻAʻole pono ʻoe e uku i ka uku mua.
ʻO ia ke kumu i lawe ai ka poʻe ʻōpio i nā hōʻaiʻē no ko lākou mau mākua, a i ka manawa like e hoʻohana ai i kahi kaʻa iā lākou iho - ʻaʻole kēia he ʻano kūʻē i ke kānāwai. Eia kekahi, ʻoi aku ka maʻalahi o ka penihana e hōʻoia i kā lākou loaʻa kālā - e lawe wale i kahi palapala hōʻoia mai ka Pension Fund.
Inā mākou e kamaʻilio e pili ana i ka papahana hōʻaiʻē kaʻa maʻamau mai Sberbank, a mākou i kākau mua ai e pili ana i nā ʻaoʻao o ka portal Vodi.su, a laila loaʻa nō hoʻi ia no ka poʻe penikala, akā me kekahi mau kūlana ʻē aʻe:
- ʻo ka makahiki kiʻekiʻe loa he 75 mau makahiki i ka manawa o ke kūʻai ʻana, inā he hōʻoia o ka loaʻa kālā;
- Max. makahiki - 65 makahiki, inā ʻaʻohe palapala hōʻoia o ka loaʻa kālā a mai ka Pension Fund.
Ua like ka uku panee no nā penihana me nā mea ʻē aʻe - mai 13 pakeneka. ʻO 15% ka uku o ka uku.
Pono nō hoʻi ia e hoʻopaʻa inoa i ka CASCO, a i kekahi manawa ka loaʻa ʻana o kahi kulekele VHI, ʻoi aku ka nui o ke kumukūʻai no ka penihana ma mua o ka mea ʻōpio.
ʻO ia, ʻaʻohe mea pehea ʻoe e wili ai, akā ʻo ka hōʻaiʻē mea kūʻai aku kahi koho ʻoi aku ka maikaʻi, i kēia hihia.
ʻO ka hana hōʻaiʻē - palapala
I ka hihia o kahi hōʻaiʻē mea kūʻai aku, pono wale kahi passport mai kahi penihana. Pono ka palapala hōʻoia o ka loaʻa ʻana o kahi penikala inā ʻaʻole ia he mea kūʻai kālā. A laila pono ʻoe e hoʻopiha i kahi palapala a kali i kahi hoʻoholo.
I ka hihia o kahi hōʻaiʻē kaʻa, pono ʻoe i kahi hoʻonohonoho piha o nā palapala: kahi noi, kahi ʻaelike kūʻai me kahi hōʻailona o ka uku ʻana ma kahi o 15% o ke kumukūʻai, nā kulekele CMTPL a me CASCO, kahi kope o ke poʻo inoa, kahi kope o nā palapala. e hōʻoia ana i ka uku o ke kumukūʻai o ke kulekele CASCO (ʻoiai hiki ke hoʻokomo pū ʻia ʻo CASCO i ka hōʻaiʻē ).
Ke hoʻouka nei…
