Sberbank: umshuwalense wendawo. Ukubuyekeza

I-Sberbank inomshwalense wempahla, idiphozi kanye nezinhlelo zezikweletu kuzo zonke izintandokazi. Le nkampani isungule imikhiqizo eminingi yezimali engakwazi ukuhlangabezana nazo zonke izidingo zabantu emkhakheni wezinsizakalo zebhange. Kodwa-ke, idumela lebhange njengezindleko, elincane futhi eliyinkimbinkimbi, elakhiwe eminyakeni engamashumi eminyaka edlule, lenza kube nokungabaza - kufanelekile ukuxhumanisa? Ukukhetha umshuwalense wempahla yempesheni e-Sberbank, ungalindela ukuthola imali uma kwenzeka umcimbi onesiqinisekiso? Noma ingabe ukuqina kwe-firm njengenkampani yomshuwalense kungekudala? Lokhu kungahlolwa ngokubukeza impendulo yalabo abasebenzisa izinsizakalo zenkampani. Ngeke kube okungadingekile ukuhlaziya uhlu lwezinkampani ezithintekayo emshwalense wempahla (Sberbank).

Kuzo zonke izikhathi

I-firm ithuthukise izinhlelo eziningi, ngakho ungaqinisekisa noma yini ezivela ezinozini ezihlukahlukene. Ngaphansi komthetho, kwezinye izimo umuntu kudingeka akhiphe umshwalense wempahla, futhi inhlangano inikeza imikhiqizo yasebhange kuzo zonke lezi zimo. Isibonelo, uhlelo lomshwalense wempahla yokugcina impahla ye-Savings Bank, imoto ethengwe ngesikweletu, indlu ethengwe ngaphansi kwesikweletu sisebenza. Kodwa-ke, lokhuhlukahluka kwamathuba akukhathali. Njengalabo asebevele bahlangabezane nesenzakalo esiqinisekisiwe, kulula nakakhulu ukuthola izinkokhelo kusuka ku-Sberbank kunezinkampani eziningi ezithinta umshwalense kuphela.

Izimo ezikhethekile

Amanye amaklayenti ebhange angalindela ukwelashwa okhethekile kanye nemali ngayinye. Lokhu kunikezelwe kulabo abathande ukuthenga iphakheji ye-premium. Ibhange linikeza izinketho ezimbili:

• "Isimo";
• "Ubukhosi".

Ukusebenzisa lesi sipho sebhange, umthengi uthola ukufinyelela hhayi umshuwalense wendawo yomuntu ngamunye eSberbank, kodwa futhi angasebenzisa amanani akhethekile wokuthola umshuwalense wezokuvakasha. Lokhu kuyiqiniso ikakhulu kulabo abavame ukuhamba phesheya. Uma ukholelwa izincwajana zokukhangisa (nokunye ukubuyekezwa), umshuwalense wempahla kwi-Savings Bank ikuvumela ukuba ushiye noma yiziphi izinkinga esikhathini esedlule futhi uziqiniseke ngokwakho noma ngabe izimo ziphikisana nomuntu.

Ukugunyazwa

Qinisekisa ukuthi ufunda ukuhlinzekwa kwezinsizakalo zomshuwalense wempahla kwi-Savings Bank yenkampani (uhlu lwabo lungatholakala kwiwebhusayithi yenhlangano). Ukukhethwa komshwalense akuyona umsebenzi olula futhi kudinga indlela enomthwalo wemfanelo. Kubalulekile ukuthi i-firm ine idumela elihle, elizobonisa ukwethembeka kwayo. Uma kungazelelwe isenzakalo esiqinisekisiwe sifikile, kubalulekile ukuthi iqinile ngokushesha likhokhise konke okushiwo esimweni esinjalo.

Kubalulekile ukuqonda ukuthi kunezinkampani ezinjalo zomshuwalense, abangazithathi ngokucophelela izibopho zabo. Kodwa ukungaqiniseki okunjalo kuqinisekiswe yibo abakhetha amafemu avunyelwe yiSberbank, njengoba leli bhange lihlola ngokucophelela bonke abalingani.

Impahla: isithengiwe kakade, kodwa kukhona inkokhelo

Izinhlelo ezikhethekile zomshuwalense wesikhwama sasebhange akuyona indawo eyedwa, kodwa ohlelweni lwekhredithi oluthengiwe ngalo. Noma kunjalo, ukubuyekezwa mayelana nalolu hlelo kuhlanganisiwe. Akuwona wonke umuntu oqonda ukuthi yisiphi isisombululo sesiphakamiso, ngakho abaningi abajabuli. Abantu bayaqiniseka ukuthi ibhange lizama ukuheha imali eyengeziwe.

Umshuwalense we-Mortgage ovela eSberbank we-real estate ungenye yezinketho zezinhlelo zokubolekisa ngaleyo ndlela. Ukuthola inqubomgomo ikuvumela ukuba uzivikele ezimweni ezingathandeki. Izinhlelo zihluke kakhulu, ngakho-ke ungakhetha ukuthi yikuphi okufaneleka kakhulu iklayenti ethile. Uma umuntu engabaza ukuthi yiziphi izinto ezibalulekile kuye, ababonisi be-firm bafika usizo.

Isibopho siyisiqinisekiso

Uma uthola imali yokubolekwa kwempahla, noma yimuphi umuntu kufanele aqiniseke ngokushesha ukuthi impahla ebhange inomnika imali esikweletu. Lapha, izinkampani zomshuwalense ezigunyazwe yi-Sberbank zizosiza (umshuwalense wempahla wuhlelo oludingeka kulokhu). Indlu, ifulethini, ithengwe ngaphansi kohlelo lokuthenga impahla, i-insured ngokubhekeleka ingozi yokulimala, ukufa.

Uma kwenzeka umcimbi oqinisekisiwe, ibhange lizokhipha imali yalolu hlelo. Kula maklayenti, lolu hlelo luzuzisa ngale ndlela: umuntu uyakhululwa ekukhokheleni isikweletu uma izindlu "zilahlekile". Umshuwalense womhlaba we-mortgage evela eSberbank kubonakala sengathi uyinzuzo enkulu, kodwa abaningi bakhetha ukusebenza nabashuwalense abavunyelwe. Kodwa qaphela futhi uqhathanise iziphakamiso zamanani ukuze ungaphazamisi inkampani ephethe ikhomishana.

Igumbi ngaphansi kokuvikelwa

Umshuwalense wezakhiwo wemali ekhokhelwa imali evela eSberbank - akuyona uhlelo olulodwa olukuvumela ukuthi ulondoloze ingcebo yomuntu ojwayelekile. Ungakwazi ukuhlela umshwalense wezindlu zakho ngisho nalapho kungesibopho sesikweletu ebhange. Lokhu kuyomsindisa ekuhluphekeni, futhi uma kwenzeka umcimbi ophephile, uzoba umkhumbi wokuphepha, umthombo wokusekelwa ngezimali, okuzokwazi ukubhekana nazo nezimo ezinzima.

Kodwa uma indlu ingakakhiwa futhi ifulethi ithathwa kuyo, khona-ke umshuwalense awudingekile umthetho. Kodwa ngokushesha nje lapho isakhiwo sisebenza, futhi umthengi wesikhala esiphilayo uthola isitifiketi, kuzodingeka ukuthi ngokushesha uthole inqubomgomo yomshuwalense. Qaphela: ngokwemigomo yesivumelwano, ukulibaziseka ngamabomu ngokuthengwa kwenqubomgomo kujeziswa yizinhlawulo. Ibhange libiza imali engama-0.5% yesamba semali ngosuku ngalunye ngaphandle kohlelo lomshuwalense. Ngendlela, ngokuvamile le nto ingumthombo wezibuyekezo ezingalungile, kokubili mayelana nemishuwalense kanye nezinhlelo zempahla yaseSberbank. Akuwona wonke umuntu ofundela isivumelwano ngokucophelela, bese bemangala ukuthi kufanele akhokhe izibalo eziningi.

Ukuthenga inqubomgomo yomshuwalense

Umshuwalense wempahla ovela eSberbank uhilela ukutholakala kwenqubomgomo yomshuwalense. Lokhu kungenziwa kokubili ehhovisi le-insurer eqinisekisiwe futhi ngqo egatsheni lasebhange. Ngaphandle kohlelo lomshuwalense wezimpahla zakhe, ungaqinisekisa impilo, ikhadi lebhange, impilo. Ibhange linikeza amanani angcono kakhulu kumakhasimende avamile nalabo abathintekayo ngaphansi kwezinhlelo eziphakeme zokuhlanganisa. Kuyabiza kakhulu kodwa kuphephile.

Inqubomgomo esimweni ngasinye ngasinye ibalwa ngabanye, ngokucabangela izidingo zeklayenti. Uma umphumela ungahambisani nawe ngokujwayelekile, udinga ukwazisa i-ejenti ngakho. Ezimweni eziningi, ochwepheshe banganikeza okuthile okungabizi. Khumbula ukuthi intengo yomshwalense wempahla evela eSberbank ithonywe yizici:

• Isikhathi sohlelo ngezinsuku;
• Intengo yendawo;
• Ubudala beklayenti;
• Isimo sempilo yomthengi.

Imali ngaphansi kokuvikelwa

Akuyona imfihlo ukuthi imali iyindawo yomuntu ngenkathi ehamba naye. Kodwa eminyakeni yamuva, amasela kanye nabakwa-scammers baye bahlukanisa okuningi. Uma ukwebiwa kwemali kuye kwaziwa isikhathi eside, abantu abaningi abazi ukuthi kungenzeka ukweba ekhadini lebhange. Ukuzivikela enhlekeleleni enjalo, ungajoyina uhlelo lomshuwalense. Ngaphezu kwalokho, iphakheji izosiza uma ikhadi lilahlekile.

E-Sberbank, umshuwalense wempahla ngendlela yekhadi lasebhange ishibhile, kodwa kuzosindisa imali ekuhoxisweni kwemali ngabangaphandle. Uhlelo luzovikela uma iklayenti isisulu se-fraudster noma isela. Uma ulahlekelwa, ulahlekelwa, noma ulimaze ikhadi, ungathembela ekusizeni okusheshayo ebhange ngokuthola kabusha. Ngaphezu kwalokho, lolu hlelo lukuvumela ukuba uziqinisekise ngokubhekene nesimo sokulahlekelwa imali esikhishwe ekhadini, uma le nkathazo yenzeka kungakapheli amahora angu-2 kusukela ngesikhathi lapho imali ishicilelwe khona. Lolu hlelo luhanjiswa kuwo wonke amazwe omhlaba, futhi umbiko mayelana nokuvela komcimbi womshuwalense ungathunyelwa ngokubiza ucingo lwebhange.

Umshwalense wempahla: lokhu kubalulekile

Uhlelo lomshuwalense ukusebenzisana nenkampani yomshuwalense kanye nomuntu ngamunye. Ilawulwa hhayi nje kuphela ngesivumelwano esenziwe phakathi kwamaqembu, kodwa nangomthetho wamanje wezwe lethu. Imikhiqizo yomshuwalense, njengoba umthetho uthi, kufanele ihlangabezane nemibandela ethile. Ukuze ukwanelise izimfuneko zomthetho wezomthetho, umshuwalense wempahla ka-Sberbank usho ukuvikelwa kusuka:

• Ukulahlekelwa kwempahla;
• Ukulimala;
• Ukubhujiswa kokukhetha noma okuphelele;
• Ukulahleka kokukhiqiza.

Lolu hlelo lubandakanya izibopho zomphakathi ngezibopho, ezihlinzekwe yimithetho yezwe.

Isebenza kanjani?

Uma uvakashela isayithi le-Savings Bank, ungabona ukuthi iziphakamiso zomshuwalense zichazwe ngokujwayelekile, ngaphandle kokucaciswa. Isizathu ukuthi ukucaciswa okuningiliziwe kwenziwa kakade esiteji sokudweba inkontileka nokuyikhokhela. Umshuwalense, umthengi uyavuma ukuthi yiziphi izingozi zomshwalense.

Kwezinye izimo, ngaphansi kwenkontileka uma kwenzeka umcimbi onesiqinisekiso, ibhange likhokhela izindleko ezigcwele zento eqinisekisiwe, ngaphansi kweminye imibandela ukubuyiselwa imali kuphela. Ezinye izinhlelo zithatha ukubuyiselwa kwemali edingekayo ukuze kubuyiselwe ukusebenza kwento. Uma izimali zihilelekile kulelo lungiselelo, uma zingakamukeli yiklayenti (noma ingxenye kuphela), ibhange libuyisela lezi zimali.

Isibonelelo Somshuwalense

Leli gama lichaza inani elithunyelwe ekhelini leklayenti uma kwenzeka umcimbi onesiqinisekiso. Kumele ngithi, kuleso simo kakhulu - umthombo wokunganeliseki nabantu ngabanye, lapho impendulo engalungile itholakele kuloluhlelo. Abantu bathembele ekusikeleni isinxephezelo esikhulu, esisebenza ngokuncane kakhulu kunalokho esingathanda. Ngokuvamile isizathu sokuthi eziningi zezakhamuzi zakithi azifundeli ngokucophelela inkontileka.

Uma inkontileka isifunde ngokugcwele futhi imali ekhonjisiwe kuyo ayihambisani nalokho ibhange elikuthumelela iklayenti, kungenzeka ukuthi uzobopha ukuze uqinisekise ubulungiswa. Umkhuba weminyaka yamuva ibonisa ukuthi kuyinto engokoqobo kakhulu ukunqoba ingxabano nomshuwalense namhlanje kunokuba kwakuneminyaka engu-5-10 edlule.

Enkontileka, intengo yenxephezelo ayisoloko iphelelwe ngokuqondile. Uma kungekho, khona-ke inkampani yomshuwalense ilinganisa ukulimala kwendawo eqinisekisiwe futhi inxephezela ukulahlekelwa. Ilungelo lokukhokha yisiqinisekiso sokuthi izinto zishintshwe ngempela, zihambe.

Imali yomshuwalense: isisekelo semali

Mayelana nokuthi lukhulu kangakanani umshuwalense, iklayenti ithola ngisho nangaphambi kokusayina isivumelwano no-Sberbank. Kuxhomeke kulokho okuyizinto ezibonakalayo zeklayenti, ezihamba ngaphansi kohlelo lokuvikelwa ezimo ezimbi. Imali ingatholakala uma ukulahlekelwa kwenzeka ngenxa yesivumelwano esinikezwe esivumelwaneni esigabeni 'sezehlakalo eziqinisekisiwe'.

Awukwazi ukubeka umkhawulo wemali yomshuwalense ngaphezu kwenani lento. Uma inani eliqinisekisiwe futhi amaphuzu ahambisana, bakhuluma ngomshwalense ogcwele, okungukuthi, esimweni esingathandeki kuyokwazi ukukhokhela ngokugcwele ukulahlekelwa. Ngenani lentengo engaphansi kwezindleko, isinxephezelo sithatha kuphela. Hlaziya inani elilinganiselwe ngaphansi kwenkontileka yomshuwalense, kucabangela lokhu ukwenza inkokhelo. Ngesikhathi esifanayo, kulinganiselwa ukuthi kuyobiza kangakanani ukuthenga into entsha efanayo noma ukudala umkhiqizo ofanayo; Kungakanani ngempela into ebiza ngayo, ngaluphi inani elifanayo elidayiswa emakethe.

Isibonelelo somshuwalense

Leli gama libhekene nalawo mali angatholakala ku-insurer uma kwenzeka umonakalo. Futhi, isinxephezelo sikhokhwa, kukhona ukulimala komthwalo weklayenti yenkampani yomshuwalense kubantu besithathu. Inani alisoloko lifana nalokho okushiwo kwinkontileka, ngokuvamile kuvamile. Le nkampani ihlaziya izimo zenzeke kulo mcimbi oqinisekisiwe futhi inquma ukuthi kufanele ukhokhe kangakanani.

Kuyavunywa, amakhasimende ngokuvamile alindele ukubuyiselwa okuphelele kwenkqubo yomshuwalense, futhi ukunciphisa izinkokhelo kuba yinto emangalisa kakhulu. Ukuze uzivikele ezinkampanini ezinjalo, udinga ukuhlola ngokucophelela imigomo yesivumelwano. Uma kunezikhathi zokungabaza, kubalulekile ukucacisa kubo ochwepheshe osebenza ephepheni elisemthethweni. Uma inkampani yomshuwalense ingahambisani nemigomo yesivumelwano, ungafaka isicelo enkantolo ukubuyisela ubulungiswa. Qaphela: kunoma iyiphi inkampani yomshuwalense kune-adjuster. Umsebenzi wayo ukuvumela izizathu zokukhokha imali yomthengi. Yiqiniso, ummeleli usebenza ikakhulukazi enkampanini yakhe, futhi kuphela lapho ethanda khona iklayenti. Kodwa labo abathengi abaqiniseka ngokuqinile isikhundla sabo, bangagcizelela umbono wabo. Umsebenzi we-adjester ukufeza isikhundla esivunyelwene ngaso. Kwezinye izimo, inkampani yomshuwalense ingase ivumele, ukuze igweme ukuhlolwa. Uma ukholelwa ukubuyekezwa mayelana nezinhlelo zomshuwalense we-Sberbank, ngokuvamile akulula ukuwanelisa zonke izidingo, kodwa kusengenzeka.