Kumayambiriro alipire wa kubweza VTB 24: zinthu, mbali, ubwino ndi kuipa

malamulo Current tsopano amalola mabungwe a zachuma kupereka wobwereka kupereka ngongoleyo patsogolo ndandanda mgwirizano. Ndi kubweza komanso. Bank ndi boma thandizo la VTB 24 lilinso ogula pulogalamu ya alipire oyambirira a kubweza ngongoleyo.

Zosintha onse atatu

Malinga ndi malamulo a Chilamulo banki ya alipire tsankho - aletsa malipirowo, kuposa chofunika pamwezi, koma yochepa lonse la ngongole. Full alipire - ndi kamodzi oyamba a ngongole otsala.

Ngati gawo la akuluakulu kubweza ngongole mudzalipidwa, Ngopambana banki angathe kupereka zotsatirazi:

- kuchepetsa nthawi ya ngongole, opanda kuchepetsa kuchuluka kwa ndalama;

- kuchepetsa pamwezi malipiro kuchuluka ndi kusiya moyo wa pangano ngongole, palibe kusintha;

- kulipira ndalama otsala (yaikulu ndi chidwi accrued) yonse.

Kusankha malo abwino njira - ndi kasitomala wapadera.

Tsankho oyambirira alipire wa kubweza ndi VTB 24, mgwilizano zina, amene chimachititsa makope ochepa ndi kusainidwa ndi kasitomala ndi woimira banki.

Ubwino ndi kuipa zotheka

Cholinga cha alipire msanga ngongole ya - banki kuchepetsa overpayment, imene ngongole yaitali ndi yaikulu kwambiri. Pali zifukwa zina. Mwachitsanzo, kufunika akatunge watsopano ngongole pangano pamaso pa akumane kutha ndalama ya pangano.

Ubwino kuti alipire oyambirira a kubweza VTB 24 Zikuoneka chionekera:

- wobwereka adzachotsa encumbrances kwa chuma cikole ku banki, patsogolo pa ndandanda;

- yafupika ndalama za malipiro tsogolo (anapereka osachepera tsankho alipire wa akuluakulu).

Koma palinso zabwino. Akatswiri kuitana zofunika kwa wobwereka kuti tisaletse ngongole nthawi yaitali - gawo la kufufuma kuchepetsa ngongole ku banki. Ndiko kuti, m'pofunika kuwerengera ubwino alipire oyambirira a ngongole (chidwi otsika), makamaka ngati mukufuna latsopano pangano ngongole.

zikhalidwe

Popeza 2011, onse mabungwe a zachuma ndi ngongole, ndi VTB 24 yotero, anathetsa zosonkhanitsira a mabungwe ndi zoletsa zina pa alipire oyambirira kubweza lapansi. Malamulo akufuna sizikhudza yekha kubweza ankhondo. Pangani anavomera kuchuluka wobwereka ali ndi ufulu kokha pamene:

- pamaso pa mapu Ufumuyo pangano, wina kuchuluka;

- muyezo zabwino nkhani zina khadi anatsegula mu nthambi iliyonse ya VTB 24 ndi zokhudza mgwirizano kubweza;

- Nkhani zina pa pulasitiki, chokongoletsedwa mu nthambi inakhazikitsa ngongole.

kanthu Independent pa alipire ngongole patsogolo banki ndikoletsedwa. A bungwe ngongole ayenera analidziwitsa pasadakhale za kuchuluka zina anapereka. Komanso ayenera kutsatira kuti alipire oyambirira kubweza VTB 24 ndemanga makasitomala zabwino: banki amasankha zokambirana.

Ndipo ngakhale pa foni

Mwinanso kutali alipire oyambirira a kubweza VTB 24. Kuti tichite zimenezi, muyenera kuitana manambala a banki thandizo (ali pawebusaiti yovomerezeka). kuitana Ngopambana ntchito kwa kalembera amene amafuna kudziwa pa samalipira, mudza- ndi kukhwima tsiku, ndi zambiri pasipoti. zochitika zina ndi pansipa ndi zitsanzo. Ndalama bwino kuvala bilu kwa tsiku kapena awiri pamaso belu.

zimauluka mafutawo

Full prepayment wa kubweza VTB 24, monga ndithudi, mbali mwa njira pamwamba (foni) inasanduka zotheka chaka chino. The Board Management anatengera zochita malinga ndi zimene aliyense asanakalambe ngongoleyo Pitani ku hotline. Pazaka miyezi isanu ndi umodzi, makasitomala banki ndi "anayamikira" utumiki. Mlingo wa chuma komanso malamulo, mlingo kulemba ndi Aperewera, ndi Choyenereza wa ntchito kutenga odwala, si nthawi zonse zoyenera. Plus, mphamvu otsika zida telefoni ndi aligorivimu mwakuwoneka wapamwamba kwa alipire oyambirira zanyumba n'kukhala kutulo utumiki.

Awonjezereko chimwemwe akudandaula kuti kuitanako kuli kovuta. Pa umboni zopelekedwa kuchuluka kwa mavuto ngongole, nayenso (bwana miscalculated, ndi ngongole, ndipo kwambiri kuzimva. P.). Mu telefoni ntchito ndondomeko mode pa alipire oyambirira a kubweza VTB 24 sanaganizepo: njira bwinobwino a chinenero chamanja.

Zotsatira: zonse yomweyo, mismatch wa ndandanda malipiro ndi madandaulo wosatha. Ambiri mwa makasitomala limatitsimikizira kuti banki lipindulitsa: chidwi anapitiriza accrue zonse ...

wotuluka malipiro

Amatenga ndalama kwa alipire oyambirira a kubweza VTB 24 n'chotheka mpaka 19:00 pa mlungu. chikhalidwe ichi zinalembedwa mu lililonse mgwirizano kubweza. malipiro zingapo zimene mungachite:

- mothandizidwa Intaneti banki pa mapu Ufumuyo ngongole ya;

- pa kauntala mu umodzi wa nthambi ya gombe;

- VTB osachiritsika 24;

- kutengerapo ku banki wina;

- mwa "Mail la Russia";

- mwa kuchotsa lotseguka VTB 24 gawo ndi kusintha kuchokera ku nkhani womangidwa kwa kubweza ngongoleyo.

Komanso kosamalira chuma ndi ngongole kulipira ngongole ya nyumba kapena likulu kupita subsidy mwapatsidwa aliyense wa mapulogalamu thandizo la boma.

Pankhani ya likulu umayi ndi zofunika kutsatira Fund ndi penshioni ndi zolemba izi:

- neno pa kutaya likulu kholo;

- Certificate chifukwa likulu;

- satifiketi chofukizira pasipoti;

- ulemerero mgwirizano;

- umwini nyumba, anagula pa kubweza ngongole

- Chongani nkhani m'nyumbayo;

- udindo kukonza malawi onse, popanda yekha, achibale pambuyo kuchotsa encumbrances (kuphatikizapo ana).

Commission ndi zilango zina kuti alipire oyambirira a palibe ngongole. Kukula zikusintha kuchuluka anathandiza ndi kasitomala.

Ngati chiwombolo tsankho

Bank akaundula mawu mgwirizanowo nyengo malipiro. mawu A maganizo kulipira mbali ya ngongole kuti adapangana ndi nthawi ndi ndalama. Choncho, ntchito akhoza anagonjera:

- tsiku lina (ntchito) isanayambe nyengo ya malipiro, mu nkhani iyi, kuti alipire ndi adzaloledwe nthawi imeneyi;

- kalendala masiku 30 pamaso pa chiyambi cha nyengo - mu nkhani iyi, alipire ndi zotheka kunja kwa nyengo ya malipiro.

Ngati pa nthawi ya alipire ali arrears pa kubweza ngongole ndi thupi, ndi chidwi accrued, ngongole woyamba linapindula.

Mu nkhani ya tsankho alipire oyambirira a zokhumba kubweza VTB 24 kuganizira ena mbali ya malipiro. Monga:

- utalembedwa-kuchokera kwa chuma zidzachitika malinga ndi ndandanda ya malipiro mwezi;

- Athandiza kumalamuliridwa kokha chifukwa wobwereka lapansi.

Malamulo amenewa ntchito mapangano kubweza anamaliza pamaso 2011. Pali chikhalidwe china: kuchuluka osachepera alipire oyambirira a kubweza VTB 24 ndi 15 000 rubles.

Tsankho alipire ngongole nyumba amafuna kukonzanso kulembetsa kwa ndandanda ya malipiro ndipo ngati n'koyenera, ndalama.

Ngati alipire wa zonse

Pankhaniyi, ndi kasitomala ayenera awadziwitse mabungwe zachuma ngongole ndi kuvomerezedwa. Koma chiwombolo n'zotheka tsiku lililonse, popeza zimadalira pa nyengo ya malipiro.

njira imeneyi imaphatikizapo chiwombolo kugonjera wa ntchito malamulo awa:

- tsiku banki ina tsiku kukhwima (ngati izo ziri mu nthawi ya malipiro);

- maola 18 pa tsiku kukhwima (ngati kunja nthawi ya malipiro).

mawu awa analembedwa mu mawu akuti kuthetsedwa ndi banki amafuna kugwilizana awo okhwima. Ngati pa mfundo kuchuluka anavomera amakhala pa mawu nkhani banki, kuchotsa lidzawotchedwa zimafika. Choncho, adzakhala ndi kupala kachiwiri, ndi mawerengedwe a alipire oyambirira a kubweza VTB 24 adzamva ankalimbikitsa kachiwiri.

Timaona kuchuluka enieni

Pamaso kugonjera ofunsira alipire msanga wa kubweza ayenera funsani banki kuti Kugawilidwa kwanthaka kuchuluka otsala ngongole: monga mbali yaikulu ya izo, ndi chidwi. Overpayment kapena underpayment wa osachepera amodzi ruble adzakhala zikuphatikizapo zambiri zolembalemba zosafunika.

VTB Bank amapereka ogula pulogalamu yoti kudziletsa mawerengedwe a ngongole otsala. opaleshoni akhoza kuchitika pogwiritsa ntchito dongosolo banki kapena ntchito munthu pa udindo wina uliwonse wa banki (mu nkhani iyi, bwana adzakhala mucite mwambo kalata boma kuti Uwerenge bwino kwambiri). Komanso, mawerengedwe kuli kotheka pa pawebusaiti yovomerezeka ya VTB Gulu 24 makampani ofesi payekha ndi wapadera kubweza Chiwerengero. Iyenso ali pa webusaiti banki a. Chiwerengero dawunilodi mu kupambana mtundu. Ntchito, malinga ndi makasitomala, ndi wosavuta.

Kutsekera chomaliza cha pangano

Si kuchotsa mgwirizano ndi banki alipire cha kuchuluka zonse. Pankhaniyi, kubweza ndi anazindikira bwino chatsekedwa, kotero ngongole mbiri zingakhudze zambiri pa akamaliza udindo. Asalakwitse awa, muyenera kuchita zotsatirazi:

- zinasaina pangano kulimbikitsana ndi banki kutsirizitsa mgwirizano pamaziko a anagonjera ntchito wobwereka ndi;

- kulemba fomu yoti kulepheretsa ntchito khadi pulasitiki zogwirizana ndi nkhani ya mgwirizano kubweza (Woyang'anira banki afunika kudula pamaso pa khadi kasitomala mu tepi atetezeke);

- zolembera ntchito zolembedwa ndi pempho kuti kutseka nkhani ngongole kudzera amene malipiro zidalengedwa.

Pokhapokha njira izi, banki ikupereka chitsimikizo lolembedwa za pakalibe ngongole ndi chonena.

Features asilikali kubweza alipire

Asilikali kubweza anazindikira mwa boma accumulative dongosolo kubweza (NIS). chipani chake, abwezera kukhala nyumba ngongole, kupeza ndalama zina FGKU "Rosvoenipoteka" imene adzapitiriza kukula.

alipire oyambirira a kubweza ankhondo VTB 24 umathandiza msilikali kuti avule udindo ngongole ndi anachotsedwa ntchito kale kuposa inu kuyembekezera ngati zofunika. Apa tiyenera kukumbukira kuti kusintha kwa malo pa isanafike zawo atapita zaka makumi awiri ndi moyo wa kubweza alipo ali wamba kulipira anati phindu yonse ya anagula. Kuti, kubwerera ku dziko (NIS) malipiro onse mwezi Ndipotu, monga pachiyambi.

Mu masiteji wotsatira wa zinthu alipire oyambirira a kubweza ngongole ku VTB 24 zankhondo palibe osiyana zikhalidwe za ngongole zimenezi kwa anthu wamba.

Post scriptum

malamulo Current amafuna wobwereka kutsimikiza kubweza lapansi. zopelekazi anayikidwa mu kukula chonse, amene masamu chopereka pamwezi. Choncho, nkhani ya alipire oyambirira ngongole ayenera kulankhula ndi inshuwalansi kampani ndi kufunsa kuti reimburse makuponi koma kale malipiro.

Ndinalandira zikalata pa malipiro chonse kubweza, inu mukhoza kutenga nawo m'chipinda cadastral kuchotsa encumbrance katundu anagula.