ʻO ka hōʻaiʻē kaʻa Sberbank no 2014-2015

I ka makahiki 2014, hāʻawi ʻo Sberbank i kāna mau mea kūʻai aku i nā hoʻolaha like ʻole - ka manawa e loaʻa ai nā uku i ka wā e uku ai i nā waiwai me kahi kāleka panakō, ka manawa e loaʻa ai nā bonus like ʻole a me nā makana i ka wā e waiho ai, a pēlā aku. Eia naʻe, ma ke kahua o nā hōʻaiʻē kaʻa, ua like nā mea a pau e like me nā makahiki i hala. Eia kekahi, ua pau ka hana ʻana o ka papahana mokuʻāina no ke kākoʻo ʻana i nā hōʻaiʻē kaʻa, kahi e hoʻonāukiuki nui ai i nā poʻe he nui i makemake e kūʻai i kaʻa ma ka hōʻaiʻē.

E hoʻomanaʻo e like me kēia papahana, hiki ke hoʻopuka i kahi hōʻaiʻē kaʻa ma 13 pakeneka o ka makahiki, 7,5 pakeneka i uku ʻia e ka mea ʻaiʻē ponoʻī, a he 5,5 pakeneka i uku ʻia i ka panakō mai ka waihona kālā o ka ʻāina. E like me kā mākou i kākau ai i kahi pou ma mua ma nā ʻaoʻao o Vodi.su - "Nā loiloi i nā hōʻaiʻē kaʻa mai Sberbank" - ua alo kekahi mau mea hōʻaiʻē i ka noi ʻana i kahi hōʻaiʻē ma lalo o kēia papahana, a i hoʻokahi makahiki ma hope mai ua ʻike lākou e uku ana lākou i ka mea maʻamau. 13 pakeneka, mai ka pau ʻana o ke kōkua aupuni.

Pehea ka kaulana o kēia ʻano hōʻaiʻē hiki ke hoʻoholo ʻia e nā helu helu - ma ka hapa ʻelua o 2013, mai Iulai a hiki i Dekemaba 31, ma kahi o 275 tausani mau kaʻa i kūʻai ʻia, ʻo ia ka 23 pakeneka o nā huahana AvtoVAZ. Akā i ka hopena o 2013, ua hoʻopau ʻia ka papahana ma mua o ka papa kuhikuhi. Makemake wau e manaʻolana mai ka makahiki 2015 e hana ka mokuʻāina i nā hana e hana hou ai. ʻOiai ʻo ke kūlana kālā ma ka ʻāina no kekahi kumu ke manaʻo nei mākou he mea hiki ʻole kēia.

E ho'āʻo kākou e noʻonoʻo ma lalo o nā kūlana i hiki ke loaʻa i kahi hōʻaiʻē no ke kaʻa ma Sberbank i 2014.

He aha ka Sberbank e hāʻawi ai?

Hāʻawi ʻo Sberbank i ka manawa e kūʻai ai i kaʻa ma ka hōʻaiʻē no ka poʻe i loaʻa ka loaʻa kālā a no ka poʻe ʻaʻole hiki ke hōʻoia i ka ʻoiaʻiʻo o ka hana a me ka uku. I ka hihia mua, e hoʻonoho ka panakō iā ʻoe i ka uku haʻahaʻa haʻahaʻa, no ka mea e maopopo lākou e hiki iā ʻoe ke hoʻokō i nā ʻōlelo āpau o ka ʻaelike.

He nui o mākou e hana unofficially, a i ole loaʻa ka palena iki uku ma ka māhele o 5-8 tausani, oiai e like me na koi o ka panakō, ka palena iki loaʻa o ka mea aie e 15 tausani no Moscow a me St. Petersburg a me 10 tausani no na mea a pau. nā kūlanakauhale ʻē aʻe a me nā kauhale o ko kākou ʻāina makuahine. I kēia hihia, lawa kāu palapala noi, passport a me nā palapala ʻē aʻe. Ke hoʻopiha ʻoe i ka nīnau nīnau, e hōʻike wale i ka nui o kāu loaʻa kālā.

No ke kūʻai ʻana i kaʻa ma lalo o ka papahana hōʻaiʻē kaʻa, pono ʻoe e waiho ma kahi o 15 pakeneka o ke kumukūʻai.

Pono nō hoʻi e kiʻi i ka ʻinikua CASCO no ka "pōʻino" a me ka "hijacking". Inā makemake ʻia, hiki ke hoʻohui pū ʻia ka uku ʻinikua i ke kino o ka hōʻaiʻē, a e piʻi ka nui o ke kumukūʻai o ke kaʻa e 8-10 pakeneka.

Ma hope o ka waiho ʻana i kāu palapala noi, pono ʻoe e kali i kahi manawa no ka hoʻoholo ʻana. Inā he mea kūʻai panakō ʻoe, loaʻa ka uku ma ke kāleka panakō a i ʻole hana i kahi hui i ʻae ʻia, a laila hiki ke hoʻoholo i loko o ka hapalua hola, ʻelua mau hola.

Ma nā hihia ʻē aʻe, ʻaʻole i ʻoi aku ma mua o ʻelua mau lā - pili ia i ka pae o kāu loaʻa kālā a me ka mōʻaukala aie.

Ke ʻae ʻia ka hoʻoholo, pono ʻoe e hoʻolako i ka pūʻolo palapala holoʻokoʻa:

• he aelike o ke kuai ana a me ka palapala no ka uku ana mai ka hale salona, ​​a me ka palapala hooia no ka hana ana i ka uku mua;
• he kope o ka TCP, he ʻaelike inikua a i ʻole ka palapala hōʻoia no ka uku ʻana iā CASCO, inā ʻoe e lawe pū me ka hōʻaiʻē.

Uku uku panee

ʻAʻole kiʻekiʻe ka uku panee ma Sberbank: 13-14,5 pakeneka o ka makahiki. Eia naʻe, aia kēia ma nā puke puke a ma ka pūnaewele. Inā ʻoe e nānā pono, e ʻike ʻoe i nā asterisk a me nā footnote:

• +1 pakeneka inā ʻaʻole makemake ka mea kūʻai aku e lawe i kahi kulekele ʻinikua pilikino;
• +1 pakeneka inā ʻaʻole i loaʻa i ka mea kūʻai aku nā uku a me nā penikala ma ke kāleka panakō.

Ma kahi huaʻōlelo, e alakaʻi ʻia e nā kumukūʻai mai 13 a 16 pakeneka - ʻaʻole maikaʻi nō hoʻi, no ka mea ma kekahi mau panakō e uhaʻi lākou i nā 30 āpau.

E noʻonoʻo mau ka poʻe akamai pehea e loaʻa ai ka uku haʻahaʻa haʻahaʻa, no ka laʻana, e hāʻawi lākou i kahi hōʻaiʻē no ka wahine a i ʻole ka makuahine i hoʻomaha e loaʻa nā uku a me nā penikala ma kahi kāleka kāleka.

ʻAʻole ʻae ʻia nā kūlana hōʻaiʻē:

• hāʻawi ʻia ka hōʻaiʻē no nā kaʻa hou a me nā kaʻa i hoʻohana ʻia;
• manawa - a hiki i ʻelima mau makahiki, ʻoiai inā ʻoe e lawe no ʻelima mau makahiki, ʻo ka helu mai 14,5 a 16 pakeneka;
• ʻO ka nui loa he 5 miliona rubles;
• ʻaʻole hāʻawi i nā kālā a me nā euro;
• ʻAʻohe uku no ke kākau inoa ʻana a i ʻole ka uku mua.

ʻO ia hoʻi, hiki iā ʻoe ke helu i ka nui o ke kaʻa e kūʻai ai iā ʻoe no 500 tausani no ʻelima mau makahiki:

• 78 tausani hāʻawi (CASCO e lawe i kahi hōʻaiʻē);
• uku mahina - 10-11 tausani;
• overpayment - ma kahi o 203 tausani.

Inā maopopo iā ʻoe i loko o ʻelima mau makahiki ʻaʻole e loli nui kāu kūlana kālā, a laila hiki iā ʻoe ke hoʻoholo e noi no ia hōʻaiʻē, ʻo ia hoʻi, ua hoʻohana ʻia e nā miliona o nā ʻohana hauʻoli.

Ke hoʻouka nei…