Chuvash folk tales in Russian. Chuvash folk tales

CHUVASH - this is the people living in Russia, is the main population of Chuvashia (890 thousand people). Chuvash also live in Bashkiria, Tatarstan, Ulyanovsk and Samara regions. In total, 1.637 million Chuvashes live in Russia (2002). They speak the Chuvash language. Chuvash believers are Orthodox.

In the 2nd millennium BC. On the territory of Chuvashia, the tribes of the Balanovo (in the village of Balanovo), Timber and Abashev (in the village of Abashevo) cultures lived. In the 1st millennium BC. - tribes of Ananyin and Gorodets cultures. The main role in the formation of the Chuvash as a people was played by the Turkic-speaking Volga-Kama Bulgars, who settled in the 7-9 centuries AD. forest-steppe areas of the right bank of the Volga, where they mixed with the local Finno-Ugric tribes. The Chuvash tribes were subsequently formed from these peoples. In the 10-13th centuries, the state of Volga Bulgaria existed on the territory of Chuvashia. In 1236-41. Bulgaria was conquered by the Mongol-Tatars, and by the 14th century it finally fell into decay. The mass resettlement of the Bulgars-Suvars to the right bank of the Volga in the 13-14 centuries, caused by the defeat of the Volga-Kama Bulgaria by the Mongol-Tatars, intensified the Turkization of local tribes. The Chuvash people were mainly formed in the 15th century. In the second quarter of the 15th century, the Chuvash lands were included in the Kazan Khanate.

In 1546, the Chuvash turned to Ivan the Terrible for help in the struggle against the khanate and in 1551 they were voluntarily annexed to the Russian state. From the Russians, the Chuvash adopted improved tools of labor, types of dwellings, and clothing. On the territory of Chuvashia, Russian fortresses began to be built. After the provincial reform of 1708, Chuvashia became part of the Kazan province. In the 17th and 18th centuries. Chuvash peasants participated in the peasant wars of Stepan Razin and Emelyan Pugachev. Until the middle of the 18th century, tribal cults were widespread among the Chuvashes. In the middle of the 18th century, the forcible baptism of the Chuvashes began (the nobility converted to Islam in 922). Before the establishment of Soviet power, the Chuvash lived in rural communities, patriarchal survivals in public and family life were preserved. Among the traditional folk arts, the following were widely developed: choral singing, embroidery, artistic weaving, wood carving. In the 17-18 centuries there was an active process of resettlement of the Chuvashes to the Samara, Saratov, Ufa Governorates, in the 19-20 centuries - to Siberia and Central Asia.

In the second half of the 19th - early 20th century. the national culture of the Chuvashes was actively developing. In 1881, the first Chuvash primer was published. The first national poets and writers appeared. In 1918, the Chuvash Drama Theater was founded, now the Academic Theater. K.V. Ivanova. All spheres of culture are actively developing in the modern Republic of Chuvashia: national literature, museums, libraries.

The Chuvash consist of two ethnographic groups: the riding Chuvash (viryal) in western Chuvashia and the lower Chuvash (anatri) in eastern and southern Chuvashia. The intermediate territory is occupied by the transitional group of the middle-nizzed Chuvash (anat-enchi), which is linguistically close to viral, and in everyday life - to anatri. The Chuvash, living outside of Chuvashia, are overwhelmingly grass-roots. The Chuvash inherited the farming technique, handicraft production, many elements of material and spiritual culture from the Bulgar ancestors.

CHUVASHIA (Chuvash Republic) is located in the middle reaches of the Volga. The area of \u200b\u200bthe republic is 18.3 thousand km 2. Population 1.351 million. The capital of Chuvashia is a city Cheboksary... The republic was formed on June 24, 1920 as the Chuvash Autonomous Okrug, in April 1925 it was transformed into the Chuvash Autonomous Soviet Socialist Republic, it received its modern name since 1991.

Securing the loan with collateral is considered beneficial for both parties to the transaction.

For the lender

The bank receives a significant guarantee upon the occurrence of the client's insolvency. To return his funds, the creditor has the right to sell the provided collateral. From the proceeds, he takes the money put to him, and returns the rest to the client.

For the borrower

For the borrower, there are both positive and negative aspects of a property pledge transaction. The pluses include:

• obtaining the maximum possible loan amount;
• obtaining a loan for a long time period;
• providing money at a reduced interest rate.

At the same time, the client should remember that if it is impossible to repay borrowed funds, he will lose his car. Sovcombank usually provides a loan secured by a car for a long term. During this time, various unforeseen circumstances may occur. Therefore, before you issue a vehicle as a pledge, you should weigh your financial capabilities.

It is because of this that the mortgage of an apartment does not always look tempting, but providing your vehicle as an additional security for a bank loan is a more thoughtful and less risky business.

Sovcombank has been performing its financial activities for over 25 years on the territory of Russia and is a large banking institution, which increases its reliability in the eyes of potential customers. It offers individuals a wide variety of loan products, including among consumer loans there is a loan secured by personal transport. This loan has its own characteristics.

Maximum amount

Sovcombank issues a maximum amount of 1 million rubles for a client on the security of his car. Money is provided only in Russian currency.

Loan terms

Sovcombank gives a loan secured by a car for no more than 5 years. In this case, the client has the right to use the early repayment of the loan without applying any penalties to it.

Interest rate

If the borrowed funds for the purposes specified in the agreement exceed 80%, then the rate is offered at 16.9%. If the size of the loan received for a specific purpose is less than 80%, then the rate rises and is 21.9%.

If a citizen has a salary card in the bank, then the loan rate can be reduced by 5 points.

When concluding the proposed insolvency insurance contract, the borrower can obtain a loan with an interest rate of 4.86%. With the smallest loan amount taken by the client and the minimum term for concluding an agreement, the bank will offer a lower annual interest rate.

Such insurance amount is paid once a year and is a salvation in case of financial difficulties for the client.

Borrower requirements

A loan is provided for individuals on the following loyal conditions.

1. Age. The client of the bank applying for the loan must be over 20 years old and under 85 at the time of the last installment of the loan.
2. Citizenship. A potential borrower must be a citizen of Russia.
3. Employment. At the time of the conclusion of the loan agreement, the client must be employed. Moreover, the length of service in the last job must be more than 4 months.
4. Registration. An individual will be able to issue a loan only if he is registered at the location of the bank's office branch. The distance from the place of residence to the nearest office should not exceed 70 km.
5. Telephone. An important requirement is the availability of a landline telephone number. He can be both home and work.

A vehicle pledged to a bank must meet certain conditions.

1. More than 19 years must have passed from the date of the car's release on the date of the contract.
2. The car must be on the move, in good condition.
3. The pledged vehicle must be free of other pledges. The car cannot have double bail.
4. 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 vehicle being pledged.

For an individual

The borrower must provide a list of the following papers regarding himself:

• russian passport and its copy;
• SNILS or driver's license (at the client's choice);
• a certificate of income filled out in the form of a 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 drawn up as a surety, then it is additionally necessary to conclude an agreement, which spells out all the obligations of the person giving the surety 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. They can be conditionally divided into 3 groups.

1. Constituent. These include the Charter, documents on the appointment of the general director, chief accountant.
2. Financial. This package of documents includes papers on registration with the Unified State Register of Legal Entities, certificates of the current account status.
3. Are common. Documents on the activities of a legal entity, its partners, the main types of contracts.

Property documents

The following documents will be required regarding the car:

• vehicle passport;
• certificate of registration;
• oSAGO insurance policy.

It is possible to get a loan secured by a vehicle in several stages.

1. Before concluding a contract, you should determine the purpose of obtaining borrowed funds and weigh your financial capabilities.
2. Applying for the issuance of credit funds. This can be done at the Sovcombank office or on the official online website (https://sovcombank.ru/apply/auto/).
3. Collection of documents for the client and the car.
4. After receiving the consent of the bank to arrange a loan, you must appear with all the papers at the nearest branch.
5. Concluding a loan agreement and signing a mortgage on a car. Registration of these documents in Rosreestr.
6. Transfer of money by the bank to the account specified by the client.

Debt repayment methods

After receiving a loan, its timely repayment is considered an equally important issue, so it is important to clarify the possible ways.

1. You can deposit the amount of debt on the loan at any office of Sovcombank through an operator or through a terminal or ATM of this banking institution.
2. If the client has a personal account of "Sovcombank", he will be able to repay his loan obligations with convenience, without leaving home.
3. At any branch of the Russian Post, the client can make a money transfer by specifying the bank account details.
4. You can pay the amount of debt through ATMs of other banks. Please note that a commission will be charged in this case.