Sberbank: inshorensi propati. reviews

Sberbank --inshorensi kwepropati, iidiphozithi kunye neenkqubo zeentengo zemboleko kufuneka zilungele zonke incasa. Le nkampani iye iphuhlise ezininzi iimveliso zemali eyenzelwe ukuhlangabezana nazo zonke iimfuno zoluntu kummandla iinkonzo zebhanki. Noko ke, isidima ebhankini nje eninzi, ecothayo eziyingxaki, ephuhliswe kule minyaka ilishumi idlulileyo, idala intandabuzo - nokuba ukunxibelelana? Ukukhetha -inshorensi mortgage asethi Savings Bank, mna silindele ukufumana imali xa umcimbi inshorensi? Okanye ukuthembeka inkampani njengoko inkampani yeinshorensi hayi ukuya umhlathi? Ukukala oku kunokwenzeka ngokuhlola iimpendulo abo basebenzisa iinkonzo kule nkampani. Uyacetyiswa ukuba uqwalasele uluhlu iinkampani ababandakanyekayo inshorensi propati (Sberbank).

Ngokuba onke amaxesha

Le nkampani iye liphuhlise iinkqubo ezininzi, ngoko uyakwazi inshorensi nantoni kwaye ezahlukahlukeneyo neengozi. Ngokomthetho, umntu kufuneka ukuba ikhuphe inani zeemeko, inshorensi impahla, kwaye lo mbutho unika iimveliso zebhanki kuwo onke la matyala. Umzekelo, inkqubo-inshorensi izibambiso Savings Bank, imoto, uthenge ngetyala, izindlu, yathengwa kwi-mboleko. Noko ke, le iindidi amathuba hayi ukhathele. Njengoko bathi abo sele sijamelene kuqala isiganeko benefits, Sberbank afumana iintlawulo lula kunokuba kwi mveliso ezininzi bengasetyenziswa inshorensi kuphela kanye.

iimeko ezizodwa

Abanye abathengi zebhanki Bambelela wolwalamano olukhethekileyo kunye namazinga ngamnye. Oku kubonelelwa abo wagqiba ukuthenga iphakheji premium. I-Bank unika iindlela ezimbini:

• "Isimo";
• "Igama".

Ukuxhaphaza eli zebhanki sipho, umthengi ufumana ufikelelo kungekuphela inshorensi impahla abantu kwi "Savings Bank", kodwa unako kunandipha amazinga ezizodwa-inshorensi yokuhamba. Oku kuyinyaniso ngakumbi abahambi rhoqo aphesheya. Ukuba uyakholwa iindlela zentengiso (kwaye ezinye reviews), i-inshorensi impahla kwi-Savings Bank likuvumela ukuba ashiye zonke iingxaki kunye nokuqinisekisa intuthuzelo naxa iimeko achasene umntu.

igunya

Qinisekisa ukuba ufunda iinkonzo ebonelela iinkampani ze-inshorensi bepropathi Savings Bank (uluhlu ingafunyanwa kwi website yombutho). Ukukhetha i-inshorensi - kwakungelula kwaye kufuna indlela uxanduva. Kubalulekile ukuba le nkampani unalo igama elihle, kwakuya kuba ubungqina kukuthembeka kwayo. Ukuba ngesiquphe isiganeko benefits afikile, kubalulekile ukuba le nkampani ngoko nangoko alihlawule lonke kuyimfuneko kwimeko enjalo.

Kufuneka uqonde ukuba kukho ezinye inshorensi ukuba izibophelelo zabo akulumkanga kakhulu. Kodwa ezinjalo iimbandezelo inshorensi abo bakhetha inkampani ezivunyiweyo yi Sberbank, njengoko ibhanki isiKhangeli ngenyameko kakhulu onke amahlakani.

Nezinto: sele wayithenga, kodwa ube mboleko

iinkqubo ezizodwa zenziwa inshorensi yibhanki alikho nomhlaba ngokwawo kwaye inkqubo ngetyala apho ulithengile. Noko ke, izimvo malunga yilenkqubo isiqu. Asinguye wonke umntu uyayiqonda kakuhle zesindululo, ungonwabi abaninzi kangaka. Abantu bakholelwa ukuba ibhanki leyo nje uzama asisuse imali engakumbi.

inshorensi mortgage Sberbank kwilifa real - enye ezahlukeneyo zenkqubo ezinjalo-mboleko. Ukwenza lo mgaqo-nkqubo uvumela ukuba uzikhusele ngokwakho kwiimeko ezingathandekiyo. Bekuthi lweenkqubo ezahlukeneyo, ngoko ungakhetha iisuti oko kubafaneleyo client ethile. Ukuba umntu othandabuzayo malunga ezo imiba ebalulekileyo kuye, kuza kubanceda kubacebisi yenkampani.

Isibambiso eso insured

Fumana mortgage, nawuphi na umntu kufuneka ukuba inshorensi ilungelo kwipropati apho ibhanki unika imali yetyala. Apha ukuba sisebenzisa le Savings Bank of iinkampani ze-inshorensi ezivunyiweyo (inshorensi kwempahla - le yinkqubo efunekayo kulo mzekelo). House, indawo yokuhlala, ezithengwe kwi inkqubo yemali insured ingozi kunokwenzeka umonakalo, ukufa.

Ukuba isiganeko benefits oku kwenzeka isekhona imali kule program ziya kufumana ibhanki okhupha mboleko. Kuba inkqubo umxhasi kuluncedo kule ndlela ilandelayo: ". Ezilahlekileyo" umntu lixolelwe ekuhlawuleni imali-mboleko, ukuba yezindlu inshorensi Property ne mortgage Sberbank inkqubo kakhulu wokhuphiswano, kodwa abaninzi bakhetha ukusebenza inshorensi abaqinisekisiweyo. Kodwa lumkela ukuba ukuthelekisa ixabiso unika ukuba izakusebenza inkampani ukuhlawulisa imali.

Indlu biyela

inshorensi Property ne mortgage Sberbank - ayikho inkqubo kuphela ekuvumela ukuba ukukhusela ipropati indoda eqhelekileyo. Unako ukuthatha i-inshorensi amakhaya abo, kwanaxa akubonakalisi ukuzinikela kwi isikweliti ebhankini. Oku kuya kuvumela ukuba ngaphandle lembandezelo, njengoko xa isiganeko inshorensi iya kuba ibhegi, njengomthombo inkxaso-mali, nto leyo ingasetyenziswa ukoyisa iimeko ezinzima.

Kodwa ke ukuba endlwini akakheki kwi yokuhlala kuthatha sokubambisa, ngoko ukuphunyezwa kwi-inshorensi akufuneki ngokusemthethweni. Kodwa kamsinya nje isakhiwo ukuba aqalise, kwaye umthengi izindlu ziya kufumana isatifikethi, kuya kufuneka ukuba ufumane ngokukhawuleza ipolisi ye-inshorensi. Qaphela: ngaphantsi ngokwemiqathango yesivumelwano ukulibaziseka ngabom ekuthengeni le nkqubo bukhatshwa sisohlwayo, bahlawuliswe. Bank uyala 0.5% yemali ngenxa usuku ngalunye ngaphandle inkqubo inshorensi. Phela, ntonje into - njengomthombo reviews ezimbi, njengokuba inshorensi kunye mortgage Sberbank lweenkqubo. Asiyiyo yonke ukufunda ngenyameko ngokwemiqathango yesivumelwano, uze bayamangaliswa ukuba kufuneka uhlawule imali ebonakalayo.

Ukuthenga ipolisi ye-inshorensi

-Inshorensi i-Savings Bank iquka nokufunyanwa ipolisi ye-inshorensi. Oku kungenziwa ofisi evunyiweyo-inshorensi, kwakunye ngqo esebeni. Ukongeza inkqubo inshorensi asethi zabo, unako -inshorensi yobomi bakho, ikhadi ebhankini, ezempilo. Ibhanki inikeza iirhafu elilungileyo ngaphezu kubathengi rhoqo kwaye abo inshorensi kwi iinkqubo eliphezulu network. Kuyabiza kodwa ezikhuselekileyo.

Policy kwimeko nganye ibalwe ngamnye, kuthathelwa ingqalelo iimfuno client. Ukuba isiphumo ngaba engavumelani nawe, kufuneka wazise le arhente. Kwiimeko ezininzi, iingcali nga nento enganeno. Khumbula ukuba ixabiso inshorensi ipropati Sberbank impembelelo zinto:

• Ubude iProgram kwiintsuku;
• ixabiso lwepropati;
• ubudala ye client;
• imo yempilo ye client.

Imali aphantsi kokhuselo

Ngoko ke akukho mfihlakalo ukuba imali - it kwakhona impahla ye umntu ngoxa kuyo. Kodwa kwiminyaka yakutshanje, amasela nabakhohlisi kuye umtshato lukhulu. Ukuba ithe kwemali iyaziwa ixesha elide, ngoko ke kungenzeka ngokweba ikhadi lamatyala kwaye abaninzi abazi unanamhla. Ukuze uzikhusele isithwakumbe, ungenza joyina inkqubo inshorensi. Ukongeza, lo mqulu uya kusinceda, ukuba ezikwikhadi zilahleka.

Sberbank-inshorensi kwempahla ngohlobo ikhadi lebhanki letyala cheap, kodwa konga imali ngokususa wesithathu. Le program kuya kusikhusela xa kuthe umxhasi waba lixhoba a cheater okanye isela. Ukuba ulahlekelwe, ilahleko, umonakalo kwekhadi uyakwazi ukubala kuncedo ekhawulezayo kunye nokubuyiselwa ebhankini. Ukongeza, le program ivumela ukuba uzikhusele wena kuloo meko zokulahleka imali evela khadi, ukuba nkathazo kwenzeka kweeyure ungadlulanga umhla wesi-2 ukusuka kwixesha xa isixa cashed. Le nkqubo isebenza kuwo onke amazwe ehlabathi, kwaye malunga nengxelo yengozi angangeniswa ngokutsalela umgca ngaseludinini eshushu.

inshorensi Property: oku kubalulekile

Le nkqubo-inshorensi - oko impefumlelwano kwinkampani ye-inshorensi kunye ngamnye. Oku kulawulwa kuphela imvumelwano ekugqitywe phakathi kwamaqela, kodwa umthetho yangoku yelizwe lethu. iimveliso inshorensi, njengoko kucacisiwe kwi-mthetho, kufuneka athobele imiqathango ethile. Ukuze banelise iimfuno ulawulo lomthetho kwi-inshorensi ipropati Savings Bank ibandakanya ukhuseleko ngokuchasene:

• ukulahleka kwempahla;
• ukonakala;
• intshabalalo buso okanye epheleleyo;
• ilahleko yemveliso.

Le nkqubo ibandakanya i yeTyala kuLuntu ukuba neemfanelo phantsi imithetho yelizwe.

Zisebenza njani?

Ukuba undwendwele i-website ye-Savings Bank, siyabona ukuba linikeza inshorensi ichazwa ngokubanzi, ngaphandle ezichaphazela. Isizathu kukuba iinkcukacha yenza kwacaca ukuba ibakala ukubhala isivumelwano kunye nentlawulo yona. I insurer, umxhasi bavumelane Ziziphi iingozi kuhlawulwa ngesivumelwano insurance.

Kwezinye iimeko, isivumelwano xa isiganeko inshorensi ebhankini uhlawula iindleko ezipheleleyo yenjongosenzi inshorensi, kwezinye iimeko kuphela imali buso. Ezinye iinkqubo zifuna imbuyekezo izibalo kuyimfuneko ukuze kubuyiselwe yokusebenza umthamo. Ukuba ingeniso inani isivumelwano, ngoko xa azifumanekanga ngumxhasi (okanye ukufumana inxalenye kuphela) ibhanki reimburses ezi zixa.

imali yeinshorensi

Eli gama lichaza isixa ukuba ithunyelwe umxhasi xa umcimbi inshorensi. Ndimele ndithi, ke lowo, kwiimeko ezininzi - njengomthombo abantu ukunganeliseki, ukusuka apho zithathiwe nokubuyekezwa engakhiyo program. Abantu ukubala phezu kakhulu imbuyekezo enkulu, nto leyo mayenziwe kakhulu ngaphantsi kwe esingathanda. Amaxesha amaninzi isizathu kukuba uninzi lwabemi amanye yethu ngenyameko kakhulu ukufunda ikhontrakthi bagqiba.

Ukuba isivumelwano wafunda ngenyameko, kunye neemali ekubhekiselelwe kuzo, musa idibana nesibakala sokuba ebhankini uthumela umthengi, usenakho ukumangalela ukuseka ubulungisa. Amava kwiminyaka yakutshanje ibonisa ukuba ngokuphumelela impikiswano ne-inshorensi kakhulu yokwenene ngaphezu kweminyaka 5-10 eyadlulayo namhlanje.

Ixabiso ikhontrakthi imbuyekezo akusoloko abhalwe ngqo. Ukuba akukho apho, ngoko ke inkampani yeinshorensi oluvavanya umonakalo kwipropati inshorensi, ukumelana ilahleko. Ingqiqo ngokwenza intlawulo isiqinisekiso ukuba izinto ngokwenene bemkile messed phezulu,.

Insurance amanani: umhlahlandlela irhafu

Malunga nendlela mkhulu isixa-inshorensi, umxhasi ufunda phambi kokusayina isivumelwano kunye Sberbank. Kuxhomekeke koko ixabiso umthengi ebambekayo, abadlula inkqubo yokukhuselwa kwiimeko ezihlelelekileyo. Imali zingafumaneka ukuba ilahleko yenzeka ngenxa yesizathu kuchaziwe kwisivumelwano kudidi "amatyala inshorensi."

Awukwazi Uzikrwelela umda kwi isixa-inshorensi lingaphezulu kunexabiso le into. Ukuba isixa-inshorensi kunye novavanyo olufanayo, sithetha coverage-inshorensi, oko kukuthi, xa imeko esele uya kukwazi ukubuyekeza ngokupheleleyo ngelahleko. Ngexabiso ngaphantsi kwe ixabiso imbuyekezo kuphela inxenye kunokwenzeka. Hlalutya mali iphezulu enokwenzeka phantsi isivumelwano-inshorensi, kunye oku engqondweni enze intlawulo. Ngelo xesha ukuhlola ukuthenga zibiza yenjongosenzi omtsha efanayo okanye ukwenza imveliso efanayo; njengokuba enyanisweni kwisifundo ixabiso, ntengo efanayo ethengiswa kwimarike.

inshorensi nokubuyisela

Eli gama luphawulwa imali zingafumaneka kwi-inshorensi xa umonakalo. Kwakhona, aza kuhlawulwa, kukho kwenzeka umonakalo enxulumene luxanduva inkampani yeinshorensi umxhamli amaqela esithathu. Isixa akusoloko kunjalo, njengoko kuchaziwe kwisivumelwano, ntonje ngaphantsi. Le nkampani ngokuhlalutya iimeko siganeko benefits kunye nokwenza isigqibo sokuba ufuna kangakanani ukuhlawula.

Kuyavunywa ukuba, abathengi ngokuqhelekileyo silindele ukuba imbuyekezo epheleleyo yazo lwenkqubo inshorensi, kunye nokunciphisa kweentlawulo iba wothuka krakra kakhulu. Ukuba uzikhusele ngokwakho nxamnye izimanga ezinjalo, kufuneka balujongisise ngenyameko nemiqathango yesivumelwano. Ukuba kukho amanqaku zentandabuzo, kufuneka ukhankanye nabo iingcali ezisebenza iphepha elisemthethweni. Ukuba inkampani yeinshorensi engazifezekisi nemiqathango yesivumelwano, ungenza isicelo enkundleni ngenxa yobulungisa. Qaphela: kuyo nayiphi na inkampani ye-inshorensi iye adjusters yayo. umsebenzi wakhe - lokuvuma isiseko ukuhlawulwa kwezixa yimali ngumthengi. Kakade ke, ummeli isebenza ikakhulu ngokunceda nkampani, uze kuphela iimfuno client. Kodwa abo ngubani nkolelo zabo, ukuze anyanzelise izimvo zakhe. umsebenzi lwesikhonkwane - ukufikelela kwindawo ekuvunyelwene. Kwezinye iimeko, inkampani yeinshorensi unakho ukunika indlela xa kuphela kukuzama ukuphepha isilingo. Ukuba uyakholwa ukubuyekeza iinkqubo-inshorensi i-Savings Bank, ukuphumeza ulwaneliseko zonke iimfuno Kudla ngokuba nzima, kodwa kunokwenzeka.