Summary of the grunt on the Christmas tree. Class hour "Grunt on the Christmas tree"
Securing a loan with collateral is considered beneficial for both parties to the transaction.
For the lender
The bank receives a significant guarantee in the event of client insolvency. To return his funds, the creditor has the right to sell the provided collateral. From the proceeds, he takes the money due to him, and returns the rest to the client.
For the borrower
For the borrower, there are both positive and negative aspects of a transaction with property collateral. The advantages include:
- obtaining the maximum possible loan amount;
- obtaining a loan for a long period of time;
- providing money at a reduced interest rate.
At the same time, the client must remember that if it is impossible to repay the borrowed funds, he will lose his car. Sovcombank usually provides loans secured by a car for a long period. During this time, various unforeseen circumstances may occur. Therefore, before pledging a vehicle, you should weigh your financial capabilities.
It is because of this that collateral for an apartment does not always look tempting, but providing your vehicle as additional collateral for a bank loan is a more thoughtful and less risky proposition.
Sovcombank has been carrying out its financial activities for more than 25 years in Russia and is a large banking institution, which increases its reliability in the eyes of potential clients. It offers individuals a wide variety of loan products, including among consumer loans a loan secured by personal transport. This loan has its own characteristics.
Maximum amount
Sovcombank issues a maximum amount of 1 million rubles to the client against the security of his car. Money is provided only in Russian currency.
Loan terms
Sovcombank provides a loan secured by a car for no more than 5 years. In this case, the client has the right to take advantage of early repayment of the loan without applying any penalties to him.
Interest rate
If borrowed funds for the purposes specified in the agreement exceed 80%, then the rate offered is 16.9%. If the size of the loan received for a specific purpose is less than 80%, then the rate increases and is 21.9%.
If a citizen has a salary card at the bank, then the loan rate can be reduced by 5 points.
When concluding the proposed insolvency insurance agreement, the borrower can receive a loan with an interest rate of 4.86%. With the smallest loan amount taken by the client and the minimum term for concluding the agreement, the bank will offer a lower annual interest rate.
This insurance amount is paid once a year and is a salvation in case of financial difficulties for the client.
Requirements for the borrower
Loans are provided for individuals on the following favorable terms.
- Age. The bank client applying for the loan must be over 20 years old and under 85 at the time of repayment of the last loan installment.
- Citizenship. The potential borrower must be a citizen of Russia.
- Employment. At the time of concluding the loan agreement, the client must be employed. Moreover, the work experience at the last place of work must be more than 4 months.
- Registration. An individual will be able to apply for a loan only if they are registered at the location of the bank’s office branch. The distance from your place of residence to the nearest office should not exceed 70 km.
- Telephone. An important requirement is to have a landline telephone number. He can be both at home and at work.
A vehicle provided as collateral to a bank must meet certain conditions.
- No more than 19 years must have passed since the car was released on the date of conclusion of the contract.
- The car must be running and in good working order.
- The pledged vehicle must be free from other collateral obligations. The car cannot have a double lien.
- At the time of signing the contract, the car must not be a participant in the car loan program.
Required documents
Before concluding an agreement with the bank, the client collects the documents required for this transaction. Moreover, you will need both papers related directly to the borrower and documentation for the pledged vehicle.
For an individual
The borrower must provide a list of the following documents regarding himself:
- Russian passport and its copy;
- SNILS or driver's license (at the client's choice);
- income certificate filled out in accordance with the form of the banking institution. It indicates the amount of earnings for at least the last 4 months, taking into account all deductions, that is, income in “pure” form. The document must be endorsed by the head of the enterprise, and the organization’s seal is affixed to it.
- notarized consent of the spouse. If he is registered as a guarantor, then it is additionally necessary to conclude an agreement that stipulates all the obligations of the person giving the guarantee regarding the loan received.
For a legal entity
To provide a loan to a legal entity, a significantly larger number of documents will be required. Conventionally, they can be divided into 3 groups.
- Constituent. These include the Charter, documents on the appointment of the general director, chief accountant.
- Financial. This package of documents includes papers on registration in the Unified State Register of Legal Entities, certificates on the status of the current account.
- Are common. Documents about the activities of a legal entity, its partners, main types of contracts.
Property documents
The following documents will be required for the vehicle:
- vehicle passport;
- certificate of its registration;
- OSAGO insurance policy.
You can apply for a loan secured by a vehicle in several stages.
- Before concluding an agreement, you should determine the purpose of obtaining borrowed funds and weigh your financial capabilities.
- Submitting an application for a loan. This can be done at the Sovcombank office or on the official website online (https://sovcombank.ru/apply/auto/).
- Collection of documents for the client and the car.
- After receiving the bank’s consent to apply for a loan, you must come to the nearest branch with all the papers.
- Concluding a loan agreement and signing a mortgage on a car. Registration of these documents in Rosreestr.
- Transfer of money by the bank to the account specified by the client.
Debt repayment methods
After receiving a loan, an equally important issue is its timely repayment, so it is important to clarify the possible methods.
- You can deposit the loan amount at any Sovcombank office through an operator or through a terminal or ATM of this banking institution.
- If the client has a personal account at Sovcombank, he will be able to repay his loan obligations comfortably, without leaving his home.
- At any branch of Russian Post, the client can make a money transfer by indicating the bank account details.
- You can also deposit the debt amount through ATMs of other banks. Please note that in this case a commission will be charged.
The Oink on the Christmas Tree is a fairy tale by Boris Zakhoder, which appeals to young children and amuses older children. It tells the story of a pig with amazing talent. Grunt could walk on his hind legs, just like a human. One day his skill turned his head so much that he decided to go to the guys’ New Year’s party. The pig was afraid of being exposed and dressed up as an ordinary boy. How did he spend his time at the evening, and how did it end for him? The tale shows that an appropriate outfit requires appropriate behavior and manners.
Believe it or not, there lived, they say, a little pig named Khruk, and he was extraordinary: he could walk on his hind legs.
It used to be that he would go out for a walk, and all the kids—lambs, calves, kids—would follow him like that:
- Little Piggy, show me your skills!
Grunt will stand on his hind legs, fold his front legs on his belly and stand out - important and important.
Everyone just gasps:
- Well, Grunt! Oh yes Grunt!
And he boasts:
- What else is that! If you want, I can jump on one leg! Either on the right or on the left!
Everyone is surprised, everyone praises Hryuk, but he lifts his snout higher and higher.
By winter, he became so self-important that he stopped talking to the kids. He walks and talks to himself:
- Why am I worse than people? If I want to, I’ll go to the kids’ school for the Christmas tree!
I'll take it and go!
The old Goat heard this and was horrified:
- You're crazy! Is this a thing you've ever heard of - a pig going to people's Christmas tree! Don’t even think about going, you stupid head, otherwise they’ll fry you and eat you with buckwheat porridge!
“And I’ll do it in such a way that they won’t fry,” answers Khruk. “They won’t even know that I’m a pig!”
- How can I not recognize you? You have a pig tail!
- I’ll put on my pants!
- But you have pig hooves too!
- And I’ll put on my shoes! Also with galoshes!
- But you also have pig eyes!
- What are the glasses for? Yes, the guys will have a carnival there, they will dress up themselves - some as a fox, some as a hare, and some as a gray wolf!
The goat just shook his beard and walked away: talk to the pig, they say!
Of course, Hryuk himself would never have thought of such a trick. But he knew the cat; she served as a watchman at school. It was she who advised him, she promised to get him some clothes.
As New Year approached, the Cat came running to the barnyard and said:
- Well, I got everything! Let's get ready quickly, otherwise the Christmas tree will be lit, and the treat is ready, and how delicious it is!
Grunt heard about the treat and rushed over, not remembering to get dressed.
“Wait, wait,” says the Cat. “You’re too purr-purr-torn!” First you need to wash your face, otherwise the guys will immediately recognize you and say: “What kind of pig is this?!”
Oh, and Hryuk was reluctant to wash himself, but there was nothing to do; with grief, he rinsed his snout in half. He began to get dressed - he pulled his pants over his head, and stuck his sleeves on his hind legs... Laughter and sin!
Thank you, and here the Cat helped. Grunt looked at the water trough and was surprised: well, a boy and a boy, only his nose is a snout!
They are walking with the Cat, but Hryuk’s heart is still skipping a beat: when they find out, they’ll be in trouble... It’s scary!
And then on the way, Kozel was caught - standing, chewing someone’s shirt: people had hung it up to dry in the yard.
I saw Goat Grunt and immediately moved aside.
- Don't bother me, boy! I won't chew underwear anymore!
“Aha,” thinks Grunt, “the Goat didn’t recognize me, he mistook me for a man!”
As soon as she saw Hryuk, she got up and walked away...
“You see,” says the Cat, “how well I arranged everything!” If your own mother didn’t recognize you, then no one will!
And instead of “thank you,” Khruk will tut at her:
- Shoot, so and so!
The cat climbed up the tree out of fright.
Here Hryuk became completely amused. “It’s better that way,” he thinks, “otherwise this neat guy could have spilled the beans!”
Here comes the school! The doors are open, the attendants greet everyone, and say “welcome.”
And they said to Hryuk:
- Welcome!
Only he didn’t answer anything, but as he was, in a fur coat and galoshes, he climbed straight into the hall.
“Wait, wait, boy,” the duty officer shouts, “you undress first!”
At least take off your galoshes!
There was nothing to do, Grunt took off his galoshes and entered the hall.
The concert was just beginning there. Who sings, who dances, who reads poetry.
Everyone listens, sits quietly, and then claps loudly. And Khruk has only one treat on his mind - you know, he’s spinning in his chair and grunting:
- Will you be at the table soon?
“Hush, boy,” the neighbors whisper, “you’re interfering with listening!”
And he is all his own.
“What a boy,” the neighbors are surprised, “how ill-mannered!” But they didn’t have time to be surprised for long - they all went dancing around the tree.
And Grunt is there too. He will step on one’s foot, push another, but he doesn’t even lead with his ear, as if that’s the way it should be...
Apologizing is not his pig's business!
- Ugh, what a bear! - says one girl. - Why are you pushing?
And Grunt just snorted. “I didn’t recognize it,” he thinks, “hurray!” I’m not a bear at all!”
But finally they called me to the table.
Grunt flies first and pushes everyone away. Plop down on a chair and let’s grab the treats from all the plates!
There is noise, laughter all around, the guys can’t even eat - everyone is laughing at Khruk. And grief is not enough for him - he crawls into the plate with his nose and eats everything in a row.
Finally it fell off and... feet on the table!
Then someone couldn’t stand it anymore and said:
- Is this a boy? It's just a pig!
Grunt jumped up and screamed:
- Oh, we found out!
And he started running as fast as he could. He got caught on the door handle and his pants fell off.
And then the Cat hit him on the nose one time:
- Don't be a pig!
Somehow Grunt escaped. I ran home without pants, wearing only glasses...
And here is Kozel:
- Oh, did you scare me?
Yes, he was hit and his glasses immediately fell off!
Grunt reached his native barn, barely alive, and buried himself in the straw—one patch sticking out.
The poor fellow trembles with fear, and he himself says:
- Y-yes w-w-w-w-why did he n-not recognize me?
And rightly so - why?
Believe it or not, but only lived, they say, a pig,
named Khruk, and he was extraordinary: he could walk on his hind legs.
It used to be that he would go out for a walk, all the kids - lambs, calves, kids -
so they follow him:
Little Piggy, show me your skills!
Grunt will stand on his hind legs, fold his front legs on his belly and protrude -
important-important.
Everyone just gasps:
Well, Grunt! Oh yes Grunt!
And he boasts:
That's what! If you want, I can jump on one leg! At least on the right
at least on the left!
Everyone is surprised, everyone praises Hryuk, but he lifts his snout higher and higher.
By winter, he had become so self-important that he stopped talking to the kids. walks
and talks to himself:
Why am I worse than people? If I want to, I’ll go to the kids’ school for the Christmas tree!
I'll take it and go!
The old Goat heard this and was horrified:
Be-be-be-crazy you are! Have you ever heard of this - bringing a pig to people's Christmas tree?
walk! Don’t even think about going, you stupid head, otherwise they’ll fry you with buckwheat
They'll eat porridge, damn it!
“And I’ll do it in such a way that they won’t fry,” answers Khruk. - They won’t even know
that I'm a pig!
How can we not recognize you? You have a pig tail!
And I'll put on my pants!
Why, you have pig hooves too!
And I’ll put on my shoes! Also with galoshes!
But you have pig eyes too!
What about the glasses? Yes, the guys will have a carnival there, they will dress up themselves -
some as a fox, some as a hare, and some as a gray wolf!
The goat just shook his beard and walked away: talk to the pig, they say!
Of course, Hryuk himself would never have thought of such a trick. But
He knew the cat, she served as a watchman at school. She is his
She gave him the idea, and she promised to get him some clothes.
As New Year approached, the Cat came running to the barnyard and said:
Well, I got everything! Let's get ready quickly, or look at the Christmas tree
light it, and the treat is ready, and how delicious it is!
Grunt heard about the treat and rushed over, not remembering to get dressed.
Wait, wait, says the Cat. - You’re too purr-purr-filled!
First you need to wash your face, otherwise the guys will immediately recognize you and say: “What is this?”
such a pig?!”
Oh, and Khryuku was reluctant to wash himself, but there was nothing to do, with grief in half
I rinsed the stigma. He began to get dressed - he pulled his pants over his head, his sleeves
staring at his hind legs... Laughter and sin!
Thank you, and here the Cat helped. Grunt looked at the water trough - and he himself
I was surprised: well, boy and boy, only the nose is a snout!
They are walking with the Cat, but Hryuk’s heart still skips a beat: what, when they find out,
yes to the mess... Scary!
And then on the way, Kozel was caught - standing, chewing someone’s shirt: in the yard
people hung out to dry.
I saw Goat Grunt and immediately moved aside.
Don't bother me, boy! I won't chew underwear anymore!
“Aha,” thinks Grunt, “the Goat didn’t recognize me, he mistook me for a man!”
mother, with her snout she undermines the pillars.
As soon as she saw Piglet, she got up and walked away...
You see,” says the Cat, “how well I arranged everything!” If you
My own mother didn’t recognize me, so no one will find out!
And instead of “thank you,” Khruk will tut at her:
Shoot, so-and-so!
The cat climbed up the tree out of fright.
Here Hryuk became completely amused. “That’s better,” he thinks, “otherwise this
The neat guy could have spilled the beans!”
Here comes the school! The doors are open, the attendants greet everyone, “good
"welcome" they say.
And they said to Hryuk:
Welcome!
Only he didn’t answer anything, but as he was, in a fur coat and galoshes, straight
climbed into the hall.
Wait, wait, boy,” the duty officer shouts, “you undress first!”
At least take off your galoshes!
There was nothing to do, Grunt took off his galoshes and entered the hall.
The concert was just beginning there. Who sings, who dances, who reads poetry.
Everyone listens, sits quietly, and then claps loudly. And Hryuk has one
a treat on his mind - know he’s spinning in his chair and grunting:
Will you be at the table soon?
Hush, boy,” the neighbors whisper, “you’re interfering with listening!”
And he is all his own.
“What a boy,” the neighbors are surprised, “what an ill-mannered boy!” But for a long time
they had no time to be surprised - everyone went dancing around the tree.
And Grunt is there too. He'll step on one's foot, push another, and even hit his ear
doesn't act like it's supposed to...
Apologizing is not his pig's business!
Wow, what a bear! - says one girl. - Why are you pushing?
And Grunt just snorted. “I didn’t recognize it,” he thinks, “hurray!” I'm not a bear
But finally they called me to the table.
Grunt flies first and pushes everyone away. I plopped down on a chair and let's go from everyone
Grab some plates of treats for yourself!
There is noise, laughter all around, the guys can’t even eat - everyone is laughing at Khruk. A
Even grief is not enough for him - he crawls into the plate with his snout and eats everything in a row.
Finally it fell off and... feet on the table!
Then someone couldn’t stand it anymore and said:
Is this a boy? It's just a pig!
Grunt jumped up and screamed:
Oh, we found out!
And he started running as fast as he could. Got caught on the door handle, his pants fell off
And then the Cat hit him on the nose one time:
Don't be a pig!
Somehow Grunt escaped. I ran home without pants, wearing only glasses...
And here is Kozel:
Oh, were you the one who scared me?
Yes, as soon as he was hit, his glasses immediately fell off!
Khruk reached his native barn, barely alive, and buried himself in the straw - alone
the snout sticks out.
The poor fellow trembles with fear, and he himself says:
Y-yes w-w-w-why did he n-not recognize me?