ʻO ka hōʻaiʻē kaʻa VTB 24 - nā loiloi o nā mea hōʻaiʻē
ʻO ke kūʻai ʻana i kaʻa ma ka hōʻaiʻē ʻo ia wale nō ke ala no ka hapa nui o nā Lūkini e hoʻololi hope mai nā trams a me nā kaʻa kaʻa ala paʻa i ka hoʻokele ʻana i kā lākou kaʻa ponoʻī. ʻAʻole kēia he mea kupanaha, no ka mea, i loko o nā ʻāina waiwai o ʻEulopa a me ʻAmelika ʻAmelika, e like me ka helu helu, kūʻai ʻia ka hapa nui o nā kaʻa ma ka hōʻaiʻē, a i ʻole nā hōʻaiʻē, a lawe ʻia ma ka hoʻolimalima.
Ke noʻonoʻo nei i nā koho no ke kūʻai ʻana i kaʻa, hoʻāʻo mākou e loaʻa i ka ʻike e like me ka hiki e pili ana i nā papahana hōʻaiʻē like ʻole a me nā lawelawe panakō.
ʻO ka Bank "VTB 24" kekahi o nā mea nui loa ma Rūsia a nui ka poʻe e hoʻoholo e loaʻa i kahi hōʻaiʻē kaʻa ma kēia ʻoihana kālā.
Hāʻawi ʻo VTB 24 i nā polokalamu hōʻaiʻē kaʻa maikaʻi loa:
- AvtoStandard - ʻo ka nui o ka nui a hiki i ka 5 miliona rubles, ʻo ka uku paneʻe mai 14% no ka makahiki, ʻo ka haʻahaʻa haʻahaʻa loa mai 15%, koi ʻia ka hōʻoia o ka loaʻa kālā a me ka hoʻopaʻa inoa ʻana o CASCO, ka manawa hōʻaiʻē a hiki i ʻehiku makahiki;
- AvtoLight - a hiki i ka 2,8 miliona a hiki i ʻehiku mau makahiki, kahi uku mua o 20%, kahi helu o 16,5%, koi ʻia ʻo CASCO, ʻo ka hōʻoia o ka loaʻa kālā he koho;
- AutoExpress - he uku paneʻe o 18% no ka makahiki a me ka uku mua o 20%, ina oe e hoopuka me ka CASCO, a laila, e 22-25% no ka makahiki, a me ka uku mua - mai 30% o ka uku.
Eia kekahi, ʻaʻole ʻae kēia mau papahana i ke kūʻai ʻana i nā kaʻa hou i loko o ka hale kaʻa, akā hoʻohana pū kekahi.
Inā heluhelu pono ʻoe i nā kūlana, e ʻike ʻoe ua ʻoluʻolu lākou i ka hoʻohālikelike ʻia me nā waihona ʻē aʻe.
Eia kekahi, hāʻawi ʻia nā ʻae like ʻole no nā mea kūʻai aku i ka panakō a me nā mea uku hoʻohālike, ʻaʻohe uku lawelawe, koe wale nō nā mea i ʻōlelo ʻia ma ka ʻaelike.
Aia ka hiki ke uku mua i ka hōʻaiʻē, a hiki iā ʻoe ke hana ma ka liʻiliʻi loa i ka lā aʻe (inā lanakila ʻoe i ka loteri a loaʻa paha kahi hoʻoilina mai kahi ʻohana mamao mai ʻAmelika).
Nā loiloi o nā kānaka maoli e pili ana i nā hōʻaiʻē kaʻa mai VTB 24
ʻIke ʻia ma kāna ʻaoʻao kūhelu ka wehewehe ʻana o ka panakō i nā mea āpau i ka mālamalama maikaʻi loa, akā naʻe, e hoʻohana ka mea hōʻaiʻē koʻikoʻi i kahi ala ʻē aʻe e loaʻa ai ka ʻike - nā loiloi hōʻaiʻē kaʻa mai VTB 24.
ʻO ka hoʻoholo, ma ke kumu, pololei loa. ʻO nā loiloi kekahi o nā ala punahele e hōʻike ai i ka manaʻo o kekahi i kekahi hanana. Akā, pono e hoʻomaopopo ʻia ʻo nā loiloi, ma ke ʻano he kānāwai, ua kākau ʻia e ka poʻe huhū a huhū paha i kekahi mea. ʻAe, inā maikaʻi nā mea a pau iā ʻoe - ʻaʻohe mea e hoʻonohonoho iā ʻoe, ʻaʻole hōʻino, ʻaʻole hoʻopunipuni - ʻaʻole ʻoe e kākau i kahi loiloi huhū.
Hiki ke'ōlelo likeʻia e pili ana i ka panakō: inā heluhelu pono ke kanaka i nā hua'ōlelo o kaʻaelike hōʻai'ē kaʻa, aʻo ka mea nui loa, e hoʻokō iā lākou, a laila,ʻaʻohe ona mea e hoʻopiʻi ai. Koe wale no ka lawelawe maikaʻi ʻole a me nā pila lōʻihi, akā ʻo kēia ka pilikia o kekahi panakō ma kahi kokoke i nā ʻāina āpau o ka honua.
(Nā loiloi i hoʻouna ʻia iā mākou e nā mea hōʻaiʻē, e hoʻonui ʻia ka papa inoa)
Eia kekahi laʻana o ka pane mai kahi kanaka i heluhelu pono ʻole i nā ʻōlelo o ka ʻaelike hōʻaiʻē:
Marina, Moscow, 25.08.14/XNUMX/XNUMX:
"Ua noi au no kahi hōʻaiʻē kaʻa, akā ma hope o kekahi manawa ua ʻike wau ua piʻi ka nui o ka hōʻaiʻē e like me 75 tausani rubles. I koʻu hiki ʻana i ka lālā, haʻi mai lākou iaʻu ua loaʻa kēia no ka manawa mua, akā ma hope o ka hoʻokolokolo ʻana ua hoʻololi ʻia ke kumukūʻai o ka ʻinikua CASCO i ka nui o ka hōʻaiʻē. I kēia manawa ʻaʻole wau ʻike i kahi e loaʻa ai iaʻu kahi kulekele aʻu e uku nei… "
ʻAʻole hiki ke hoʻomaopopo ʻia ke kūlana: ʻaʻole maopopo ʻo Marina i ka pono o ka ʻinikua CASCO, a i ʻole ua huikau ʻo ia iā CASCO a me OSAGO. Ua ʻōlelo kekahi limahana panakō e kelepona ʻo ia i ke keʻena no ka wehewehe ʻana. Ka hopena - e heluhelu pono i nā kūlana, no kekahi mau mea kūʻai ʻaʻole CASCO wale nō, akā pono ʻo VMI a i ʻole DSAGO.
Eia kekahi, hiki ke hoʻopaʻa ʻia kahi kaʻa hōʻaiʻē ma nā hoa IC o ka salon.
ʻO kekahi loiloi hou mai ka opera hoʻokahi:
Nikolai Sobakinskikh, Novosibirsk, 3.10.14/XNUMX/XNUMX:
"Ua lawe au i kahi hōʻaiʻē kaʻa, ma lalo o ka papahana VHI ua hoʻokomo pono ʻia i ka nui o ka hōʻaiʻē. Ua haʻi mai ka panakō iaʻu inā e uku au ia ma mua o ka papa manawa i loko o 21 mau lā, a laila hiki iaʻu ke hōʻole i ka VMI a e hoʻihoʻi ʻia ke kumukūʻai o VMI iaʻu ma lalo o 18%. Ua hoʻihoʻi ʻia ka hōʻaiʻē ma mua o ka papa manawa (i nā lā 6 !!!), akā hōʻole lākou e hoʻihoʻi i ke kumukūʻai o VHI (insurance premium) iaʻu.
Ua pane ka luna hōʻaiʻē i ka wā e kau inoa ai i ka ʻaelike, pono ʻo Nikolai e heluhelu pono i nā ʻōlelo: ua hoʻoili ka panakō i ke kālā no ke kulekele VMI no 5 mau makahiki i ka hui ʻinikua, no laila pono ʻoe e hoʻopili i ka hui ʻinikua a koi iā lākou e hoʻopau i ka ʻaelike inikua, ʻaʻole mai ka panakō. ʻO ka panakō, i kēia hihia, ua hoʻopaʻa ʻia e pili ana i nā pilikia kūpono, ʻoiai ua hoʻopau ʻia ka ʻaelike hōʻaiʻē no 5 mau makahiki.
Hiki iā ʻoe ke haʻi i kekahi mau loiloi like ʻole, kahi e maopopo ai ʻaʻole heluhelu pono nā kānaka i nā ʻōlelo o ka ʻaelike.
ʻO ka nui o nā loiloi maikaʻi ʻole e pili ana i ka hana unorganized o VTB 24 he mea kupanaha.
No ka laʻana ʻo Oksana, ʻaʻole i kuhikuhi ʻia ke kūlanakauhale, kākau, ua pani ʻo ia i kahi hōʻaiʻē kaʻa no ka manawa lōʻihi, akā kāhea lākou iā ia a koi e pani i ke koena aie. Hele ʻo ia i ke keʻena no nā hōʻaiʻē pilikia, kahi i haʻi ʻia ai ʻo ia e pono e pani i kekahi kālā, akā ma ka Call Center e hōʻoia ana nā mea hoʻohana ua pani ʻia ka hōʻaiʻē.
Me kēia mea maikaʻi ʻole, nui nā loiloi maikaʻi.
No ka laʻana, he kaikamahine i kapa ʻia ʻo Caprice4You He kākauua loaʻa iā ia kahi hōʻaiʻē no 400 tausani me ka pilikia ʻole, ʻoiai ʻo ia he 21 mau makahiki. Ua ʻōlelo ʻo ia ua uku ʻo ia me ka kali ʻole, ʻo ka uku, he kiʻekiʻe - 23 i kēlā me kēia makahiki, akā i kēlā manawa ʻaʻole hiki iā ia ke ʻike i kahi mea maikaʻi aʻe.
ʻO ka mea pōʻino, ʻoi aku ka liʻiliʻi o nā loiloi maikaʻi, akā ʻaʻole kēia manaʻo he hewa ka panakō, akā ua maʻa nā kānaka e kaʻana like i ko lākou mau pilikia, a i ka wā e maikaʻi ai nā mea a pau, ʻaʻohe mea e kākau ai.
Ke hoʻouka nei…
