Terms of chikwereti kubva Sberbank nokuda pensioners. The chimbadzo, zera racho

Sberbank kweRussia nhasi - ndiwo chakavimbika kupfuura uye inoshanda kumahombekombe nyika, kuti kutendeseka iyo kunosimbiswa makore mamiriyoni hamungaguti vatengi. A-siyana chikwereti zvirongwa, mari kutamiswa, vanokurumidza kubhadhara uye mamwe matunhu-mugumo mabasa yakapiwa Sberbank, vagari Russian vanokosheswa zvikuru kwazvo.

Imwe yacho huru zvinhu - pasocial wezwi ine zvikwereti uye zvemari zvigadzirwa. Zvikurukuru, zvinofanira kucherechedzwa kuti mari Bank unopa pensioners chikwereti. Uye zvinoita kuti aunonyanya imwe evanhu boka, nekuti kwavo mari kunyange uye kugadzikana, asi kazhinji kacho diki. Imhaka chokwadi ichi Pakuurayiwa chikwereti kuna Sberbank ropafadzo pensioners. Uye basa panguva processing iri chikwereti anogona kushanda, kana pamwe haashande.

zvaunoda mazwi

Terms of chikwereti kubva Sberbank nokuti vakwegura zvinopa ropafadzo chaidzo vanhu agamuchira mudyandigere kuti nhoroondo iri mubhengi:

· Lower chimbadzo chero chikwereti chigadzirwa;

· Mharidzo rimwe chete gwaro (pasipoti) nokuti pamasikiro chikwereti;

· Kushandiswa sechikwereti anonzi nekukurumidza (kuzivikanwa mukati 2 maawa);

· Pamudyandigere anogona kupinda kushanda pamwe zvachose bazi chero mari Bank, iro okudenha Tera (uye akazvimirira zvachose munzvimbo yake yaanogara);

· Kune nzira, chokuita muitiro yokuwana mari, kana vachange vanobhadharwa mari kana kuendeswa kadhi mukwereti wacho.

marudzi zvikwereti

Kunze kwokuti Sberbank anopa zvikwereti kuvanhu, pakati pavo uyewo allocates imwevo muchikwata - pensioners. Mhando chikwereti zvigadzirwa vano- siyana kuti vanhu pamudyandigere zera, asi kubhangi ndiyo yakaoma zvikuru pamusoro wavo mvumo, vachiziva kuti chikamu ichi vomuUmambo chinoreva kumbonyanya yakakwirira mukana asiri kubhadhara mari. Naizvozvo, Sberbank kweRussia anopa zvikwereti kune pensioners chete kana anokwereta ndechokuti nhoroondo iri vakabuditsa. Zvikwereti nokuti pensioners Sberbank anokamura muzvikamu akawanda:

· Consumer;

· Target;

· Credit nemakadhi.

Borrowings varege kuva software, uye zvinogona akapa pasi rubatso Mumwewo.

Consumer chikwereti pasina kuchengeteka

chikwereti ichi chakasiyana sezvo nyore sezvo kuzadzisa panze chikumbiro. Pamudyandigere vanoda chete pasipoti, kushanda uye uchapupu mari (muhoro uye / kana mudyandigere).

Nokuda kuti chikwereti ichi asingagoveri chero urongwa chero usingazungunuke pfuma kana muchimiro chinoratidza kubva kumapati yechitatu, uwandu vachava vanganzi diki. Shoma yakawandisa 15 000 rubles (nokuti Moscow vatengi rwezvemabhengi services - 45 000), uye kufadza panogumira chikwereti - mamiriyoni 1,5 rubles.

Anogovera mari Bank chikwereti nokuda pensioners, kuti chimbadzo pamusoro zvakatemwa zvichienderana rokuti chikwereti:

· Credit, rakagadzirirwa kusvika 2 years, vachava pasi kushoma 17% pagore;

· Borrow mari mubhangi kwemakore mashanu vachange nomutengo pamudyandigere 18.5% gore kana kupfuura.

Vagari vanosarudza kukwereta dzimwe mari, vachanakidzwa nani. ezvinhu. Nokudaro, chimbadzo nokuda kwemakore maviri chikwereti achava 14% chete annum uye kumusoro, uye kwemakore mashanu chikwereti - kubva 15,5% pa annum.

The kunonyanyisa makore mukwereti

Sezvo Sberbank anopa zvikwereti izvi kuvanhu, inova mudyandigere zera, zvine musoro kuchengeta kuti panguva chikumbiro mukwereti anofanira kutowanikwa akapa mudyandigere, uye havafaniri kuva vanopfuura makore 65. Uyezve, zvinokosha kuti panguva kuurayiwa zvikwereti mitoro mukwereti aiva makore muduku kupfuura 75 zera.

Ina Chikumbiro anonzi kubhengi vashandi mukati kushanda mazuva maviri, uye iwe unogona kugadzira mukati mwedzi okutambirwa yakanaka norudaviro nayo. Anodzima kunoitika zvienzane pamwedzi kubhadhara. Early mutsividzo of anokwereta hakurevi chinhu okuwedzera mari. Sberbank haripi chero shoma chikamu mangwanani zvishomanana muripo, hapana shoma nguva mangwanani nokuripira zvizere. Chirango mukupera kubhadhara iri mureza uye 0.5% uwandu pamwedzi yakavamba. Akawedzera kuti chikwereti ari yaizvozvo rimwe zuva.

Chikwereti pamusoro rubatso

Terms of chikwereti kubva Sberbank kuti vakwegura zvinosanganisira mukana chikwereti mazakwatira emari, asi anofanira kuva rokumanikidzirwa kubatanidza guarantors. Kuvapo vanhu pakurera mari-musana zvinovimbisa, kwaita inowedzera chikwereti sirin'i kusvika 3 mln. Rubles. Muitiro chokuwana chikwereti uye basa akafanana kune vanhuwo nevatengi shanduro. Kukura pakunamata zvichisiyana 3 months kuti 5 years. The chikuru zvakanakira ichi mhando anomukweretesa anokwezva kufarira rates kushaya makomisheni kuti vachibhadhara.

Basa, akashanda mari Bank, vawane nevatengi chikwereti pasi rubatso chaiko vanhu pa mwero 16.5% chete annum, uye achida kutora mari iri madhora kana euros achagamuchira chinhu kubatsira yakatokura. Kwavari, gore negore chimbadzo achava akaenzana anenge 13,5%.

Sberbank anozivisa chikwereti kuna pensioners, ane zera nenguva expiry chesungano haangavi kusapfuudza pachikumbaridzo makore 75.

makadhi

Zvinobetsera dziine kadhi basa ane mazakwatira muganhu kuwanikwa pensioners vari nhengo mudyandigere peyi Sberbank zvirongwa. Uyewo, chigadzirwa ichi unogona kuwana anokwereta zvakanaka chikwereti nhoroondo uye vatengi vane debit kadhi. Muzviitiko zvakadaro, kuti kadhi iri zvakabayirwa kuti yeGmail.END_STRONG asati mvumo. A vanoti pairi anonzi mari Bank maneja nekukurumidza, zviri pakarepo kushumwa uye iripo muganhu pamusoro payo. Pamudyandigere zvakakwana kuratidza pasipoti wokuRussia chizvarwa uye kunyoresa. The wegore chimbadzo pamusoro kadhi rechikwereti achizosiyana kubva 18.9% kusvika 24% chete annum uye kufadza mari anogona kuva kusvika 600,000 rubles.

Car kweretesa

Bank zvikwereti nokuti pensioners anogona ipiwe nokuda kutenga motokari, zvose zvitsva uye kushandiswa. Kana motokari zvezvipfuwo kana Chinese gadzira akanga atova kushandiswa, zera yayo inofanira kuva vakuru 5 years, uye kana motokari yokumwe akaita imwe nyika, saka chinofanira kuitwa makore anopfuura 10 apfuura.

Mari kuti motokari chikwereti, Sberbank haripi. Haripi uchapupu mari zvinokwanisika, kana iwe kuti kwokutanga kubhadhara 30% of chikwereti mari pamusoro chaanofarira motokari. Unogona kupa kubhangi chero pfuma yake sezvo rubatso.

Nokuti kutenga mota vakagadzirira kupa Sberbank chikwereti kuna pensioners, kufarira izvo dzinosiyana 13.5 kusvika 15% panguva shoma mwero zvichienderana izwi iri chikwereti. Special mubereko iri mhosva pamusoro chikwereti dzimwe mari chikwereti anosvika 1 gore, 3 years uye 5 vari pasi 10.5%, 11.5% uye 12% azvaitwa. mitengo izvi zvinokosha nokuti vakwegura akashumira mumari Bank sezvo vanowana pensions uye zvimwe vatengi achagamuchira chikwereti pa mwero 1% yakawanda.

In chikwereti unogona kusimuka kusvika mamiriyoni 5 rubles, uye yakadereresa mari - .. 45000 rubles. Kana Bank akafarirwa kushanda rinotanga kusarudza chikwereti nzvimbo, huchavapo mazuva 90.

mogeji chikwereti anomukweretesa

Kutenga musha anogona kuwanikwa zvikuru zvinogamuchirwa Pakuurayiwa chikwereti mari Bank kuti pensioners. nhengo iyi zvemari uye zvikwereti musika inopa vakwegura vatengi matatu chikwereti anomukweretesa chirongwa:

• kutenga apera dzimba;
• pakuunganidza chinhu pasi kuvakwa;
• kuvaka imba pachavo.

Mari Bank inopa zvikwereti nokuda pensioners, kuti chimbadzo iro mumwe muzana kuvatumwa mureza wepagore chimbadzo pamusoro chikwereti.

Nokutenga vakagadzirira kana pasi kuvakwa kwedzimba, kuti mudyandigere zera vanhu vari kodzero kutora chikwereti ari uwandu 45 zviuru rubles. Shoma nomupiro kwokutanga hazvisi 15% pamba mutengo. The kunonyanyisa rokuti munhu dzimba chikwereti makore 30. With kwokutanga nomupiro hafu mari mufurati anokwereta anogona chikwereti unyatsobatsira, kureva chimbadzo pairi inowira 12% pagore.

Zvakanakira mudyandigere mbiri muna mumari Bank

vaitaura izvi munyika yanhasi mumisika chikwereti yakanyanyobatsira anokwezva uye makomborero, uye pakati zvose mabhanga Russian. Service mari Bank kuti pamudyandigere zvinoreva zvinotevera zvakanakira:

· Terms of chikwereti pensioners zvisingapindirani vabatsirwe;

· Chikwereti inogona kubhadharwa mberi purogiramu asina okuwedzera mari;

· Service pensioners chete zvikuru vanokwanisa vanachiremba;

· Hotline anoshanda siku nesikati; kudana pairi, unogona kuwana mamwe mashoko mhinduro zvose mutengi mibvunzo;

· Anokwereta mudyandigere zera iri mari Bank vave nhengo bhonasi chirongwa kana rinokosha chiito, izvo zvakanaka kuchinja mamiriro chikwereti chikwereti;

· Registration yemutoo wezvikwereti mubhangi iyi yakajeka uye yakajeka pfupiso vose zvinhu chesungano;

· Siyana kuti kubhadhara mudyandigere chikwereti: mari mubhadharo iri bazi kubhangi kuchinjirwa pamwe epurasitiki makadhi, mari anotamisa kuburikidza hurongwa "Golden Korona" kana "Contact", kutapurirana mari kadhi nhoroondo wemagetsi chikwama.