Children's stories online. Children's fairy tales online A fairy tale where there is a wolf and a sheep

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 collateral provided. 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 money 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 pledging a vehicle, 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 carries out its financial activities more than 25 years in Russia and is a large banking institution, which increases its reliability in the eyes potential clients... 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. At the same time, the client has the right to take advantage of 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 amount of the loan received is a specific goal 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 insured 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.

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.
Citizenship. A potential borrower must be a citizen of Russia.
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.
Registration. Apply for a loan individual can only be 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.
Telephone. An important requirement is the availability of a landline telephone number. He can be both home and work.

Auto vehiclepledged to a bank must meet certain conditions.

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

Constituent. These include the Charter, documents of appointment general director, chief accountant.
Financial. This package of documents includes papers on registration with the Unified State Register of Legal Entities, certificates of the current account status.
General. Activity documents legal entity, its partners, the main types of contracts.

Property documents

The following documents will be required regarding the car:

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

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

Before concluding a contract, you should determine the purpose of obtaining borrowed funds and weigh your financial capabilities.
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/).
Collection of documents for the client and the car.
After receiving the consent of the bank to arrange a loan, it is necessary with all the papers to appear at the nearest branch.
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, its timely repayment is considered an equally important issue, so it is important to clarify the possible ways.

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

The tale of a sheep, a fox and a wolf

The peasant's sheep ran from the herd. A fox came across to her and asks:

- Where is God taking you, gossip?

- Oh-them, godfather! I was with the peasant in the herd, but my life was gone; where the ram will fool, and all I, the sheep, are to blame! So I decided to go where my eyes were looking.

- And me too! - answered the fox. - Where my husband catches a chicken, and all I, the fox, are to blame. Let's run together.

After some time they met a biryuk.

- Great, godfather!

“Hello,” says the fox.

- Are you wandering far? She answered:

- Where the eyes look! - Yes, as she told about her grief, Biryuk said:

- And me too! Where the she-wolf slaughters the lamb, and all I, biruk, are to blame. Let's go together.

Let's go. On the way, he says to the sheep:

- And what, sheep, you are wearing my sheepskin coat? The fox heard and picked up:

- Really, godfather, yours?

- That's right, mine!

- Swear?

- I'll swear!

- Will you go to the oath?

- Well, go kiss the oath.

Then the fox noticed that the men had set a trap on the path; she led the priest to the very trap and says:

- Well, kiss here!

Just a little bit foolishly stuck a turtle - and the trap clicked and grabbed him by the face. The fox and the sheep immediately ran away from him, good-hearted.

Video: Sheep, fox and wolf

Once upon a time there was a wolf, and there was a sheep. The sheep strayed from the flock, got lost in the forest and remained to live there. And the forest is the home for the wolf. A wolf and a sheep met, well, and made friends with each other.

We lived the summer well all around warmly, satisfyingly, why quarrel here!

In the fall, they somehow washed away, and winter came - they had a bad time. The wolf's paws are freezing, the sheep's tail trembles from the cold.

Here is a sheep and says:

- Come on, wolf, let's build ourselves a house. We will heat the stove in the house, winter in the warmth of the winter. And the wolf is too lazy. He says:

- It's you, sheep, people are used to living under a roof. And I feel so good.

She built herself a hut, with a stove, with a couch. And now she is not afraid of winter. The warmth of the sheep.

And the wolf prowled, scoured the forest and howled. The frost grows stronger every day, and there is nowhere to hide. No matter how lazy, you need to build at least some kind of house.

The wolf scooped up the snow in a heap, trampled it down with its paws, swept it up with its tail, somehow built an ice hut.

Yes, then, as if on purpose, the sun came out, and the ice roof melted over the wolf, the snow walls collapsed. Again a wolf without a home.

How to be? What to do?

The wolf went to the sheep, stood in front of the hut and said:

- Lamb, lamb, open the door. The frost is cracking in the yard, and my nose and ears are frozen. Let me at least warm your face.

The sheep took pity on the wolf and opened the door of the hut. The wolf thrust its muzzle into the crack, stood, stood and said again:

- Lamb, lamb, my front legs are frozen, - let me step on the threshold.

The sheep opened the door wider, allowed the wolf to step on the threshold. Yes, the wolf is not enough.

“Do you hear, lamb, how the wind howls?” Says the wolf. “My sides are completely frozen. Let me warm your sides too.

A sheep has a soft, sheep's heart. .-Well, -she replies, -I will not lose heat, warm up, wolf, your sides.

The wolf climbed into the hut to the very tail and says:

- Thank you, lamb, now it's very good. I'm only afraid the tail will freeze. Without a tail, all my wolf beauty will be lost! - Eh, wolf, - says the sheep, - well, you are a master of begging! You would have to walk around the villages with a bag. Okay, so warm the tail.

That's all the wolf needs. He jumped into the hut, looked around, and jumped onto the stove. Curled up and is not going to leave.

So he lay until evening. Warmed up, steamed up, and he wanted to eat. So he says to the sheep:

- Sheep, sheep, isn't it time to sleep? Climb on the stove, I'll move - and you have enough room.

- No, wolf, - the sheep answers. - I still have no time. My spoons are not washed, the flour is not sifted. If I can handle it, then I'll go to bed.

The wolf lay, lay, waited, waited, and dozed off.

I woke up at night. Wow, how hungry you are! The belly failed. Fumbled with his paw - there is no sheep on the stove. The wolf jumped to the floor and let's look for the sheep. Only the sheep is cunning: it hid from the wolf in the dustbin. The wolf did not find her.

In the morning, the sheep chuckles:

- Why did you not sleep at night, who, gray, was looking for? Poked his nose in all corners, did not find, gray, sheep.

The wolf lay on the stove all day. By evening, he felt even more hungry. Again he calls the sheep:

- Get in, lamb, on the stove. It's warm here, it's good here.

The sheep answers him:

- Wait, wolf. I still haven't put the dough on my bread, the wood hasn't been chopped. If I manage, I'll climb onto the stove.

The wolf again did not wait, fell asleep. At night I woke up angry, hungry. So, it seems, he would howl, but he was afraid to scare the sheep. He fumbled around with his paw - empty. The sheep did not come to the stove to spend the night - it knows the habits of the gray.

The wolf jumped to the floor. Poking back and forth in the dark. There is no sheep anywhere.

In the morning, the sheep laughs at the wolf again:

- Eh, wolf, what are you prowling for at night, whom are you looking for in the corners? I was sitting under the sourdough, looking at you gray.

So the third evening has come. Again the wolf calls the sheep to the stove, and the sheep dissuades:

- What are you, wolf! It's too early to sleep. My floors are not swept, the rugs are not shaken out.

The wolf fell asleep. At night he woke up and began to look for a sheep.

He overturned the dustbin, overturned the sourdough - there is no sheep anywhere. The wolf is completely hungry, it even clanks its teeth with hunger.

She sees a sheep - the good will not end.

In the morning she ran out of the hut. She began to walk through the forest, digging with hooves in the snow. Found a cranberry berry. Gathered that berry in a heap, began to roll on it. I smeared all the wool with red juice. Then she grabbed a long rod and ran back to the hut.

Became under the window. He knocks on the frame with a rod, shouts in a terrible voice:

- Is there a wolf in the hut, is there a gray one on the stove? I've bitten seven wolves and I'll get to that!

The wolf looked out the window. He sees - there is a terrible, shaggy beast, all smeared with blood, it must be - a wolf?

The wolf was frightened, tail between his legs, but rather get out of the hut. Huddled into the wilderness and does not show his nose from there.

And the sheep washed off the red cranberry-berry from its wool with snow and healed quietly in a warm hut.

Parable about freedom.

Pretty, like a blond angel, the girl held a cat in her little hands and explained something to her:
- Now my dad will come and take me. He is delayed today because he has important, important things to do. Yes! And these are very important things - because he always picks me up on time!

The girl's finely braided pigtails stuck out funny in different directions, and the openwork collar of her blouse ended with a red button. The teacher was reading some boring book while sitting at the table. The animal clearly did not mind the girl and blinked carelessly, although it looked slyly through the narrow slits of its closed eyes to the side, intending to slip off the girl's knees at the first opportunity. The cat's tail loomed indignantly somewhere below, betraying the true intent of the cat.

Nope! You don’t believe! Admit it, because you don't believe? - the girl moved the cat's paws. And the pigtails moved behind her in time with the movements of the cat's paws.

But then in the courtyard a safety gate slammed.
- Daddy came! My dad is here! - the child shouted loudly. The cat intensively rustled its paws, hiding from a possible chase under the teacher's table.

A short, stocky man was leading a girl from kindergarten. The girl was enthusiastically telling him something, quickly moving her legs, and the mischievous pigtails from behind jumped to the beat of her movement. And it seemed that the faster her legs flashed, the more she chattered about all her kindergarten news.
- Dad, and Masha came to visit me today!
- Yes? I wonder how it is?
- We sat and dined, and she climbed over the fence, sat down at my table and ate porridge with me!
- What are you? Well, Masha - well, a hooligan!
- Yes, and together with Masha we quickly ate all the porridge!
- And what about the teacher?
- And she asked: and whose girl is this still with us?
- And Masha told her: Dasha is ours - and our porridge!
- And what was enough porridge for you two?
- Yes! Then the teacher brought us more supplements.

Dad, why are people fighting?
- People fight when they are not smart enough to negotiate. And it seems like none of them wants war, but all the same, everyone is at war, and they cannot do anything about it.

Why doesn't our Masha go to school?
- Because we have just arrived here and have not settled down yet. We will deal with housing, then we will send Masha to school.
- Are we here for a long time?
- Well I do not know. Let's see how life will turn out here.
- When are we going back?
- And where are we going to live there?
- At home.
- We don't have a house - they bombed our house.
- And we will build a new one.
- Why should we build two houses. Now we are building. Here, it seems, the authorities promise to help. And there it will be seen.

Dad, will you tell me a story tonight?
- I just told you yesterday.
- So what? Yesterday it was yesterday, and today it is already today!
- Yes, I already told you all the tales that I knew, every single one!
- And you come up with another one.

Sheep and Wolves.

Once two old, but already wise wolves met each other - they talk to each other:

Hello Gray!
- A-ah! Hello Shaggy! Well, is he still alive?
- You can't wait, buddy, I'm a couple of years younger than you, have I forgotten?
- But all the same, I look at your teeth, you have absolutely no more!
- And you have something, Shaggy ... You limp on your right paw, and you drag your left hind paw. You kind of stagger when you walk? And you breathe already with an effort, like an old spoiled kerosene gas.

Yes-ah-ah ... not so fast with you, Gray, to run after every beast and mountain sheep! Yes, and teeth, for sure, are not enough left to chew their tough meat. Shall we get ourselves a couple of sheep, brother? Just don't eat them, but milk and drink their milk.

So the wolves decided. They have got themselves sheep, do not eat them, milk them, and live on their milk. And after a while there were so many of these sheep that they could with great difficulty guard their flock ...

Then they took the wolves and invited other wolves to them, from those that are younger and more agile - to maintain proper order and protect the herd from external enemies and any other bastards who strive to profit at someone else's expense.

And so that everything was really quite good - the wolves established the rules: where to pinch the grass, and where not to pinch; in which fields the sheep will graze first, and which ones will be left for a snack; which of the sheep will be the first to nibble the grass, and which will be the second; how much and which sheep should nibble the grass, and how much milk should it give in exchange.

They diligently grazed and conscientiously did not eat the sheep ... But wolves, after all, there are wolves, and sometimes they still ate this or that sheep ... First of all, of course, those who declared that they did not need any rules, and that they themselves can graze in the meadows, nibble their own grass and not give their milk to anyone. And especially quickly they ate all sorts of stupid rams, which also incited other animals to leave the herd with them ...

Soon, other wolves also "cut through" this topic with sheep: what is more profitable not to eat them right away, but to graze, then to milk and drink milk. And they began to start the same herds on neighboring lands.

So when milk suddenly became too little at all, to satisfy their appetites, our heroes seized herds from neighboring wolves. And they always covered these issues of their politics, for in order not to scatter, the sheep had to think correct thoughts and understand the requirements of the day. For the most uninitiated in this company were, of course, the sheep, and there was no need for all this - they needed everything to pinch their grass. Because sheep are just sheep! Their brains are as big as walnuts!

In general, it could not be said that things were bad: the old generations of wolves changed for new ones, and the sheep were very pleased with their lot and freedom - because the wolves always gave them some kind of field, even if it was bad. ... For what could be better than this wonderful green grass that sticks out here and there as green and elastic juicy stalks? And there’s no other way: they eat grass, and they themselves will be eaten by other people's wolves.

So over time, it became very difficult to figure out: whether these wolves have become good - they guard the sheep and protect them so that they live better - from bad wolves, or they guard them so that they do not run away, because they just need to drink milk.

- Dad, well, were these wolves good or bad?
- The whole question is, Dasha, how much milk they take and how much they protect these sheep ... And also how many sheep manage to grow fat on their sides, nibbling the grass according to their rules. Well, that's the whole story, daughter, and now - sleep!

/ Fairy tale parable "Wolves and Sheep" - a fragment from the book "Seven stories about freedom" /.

The old Estonian fairy tale "The Wolf and the Lamb" teaches us to respect people who have lent a helping hand and rescued you from a difficult situation.

The sheep fought off the flock, and so it remained to live in the forest, making friends with the wolf.

Winter came, it became cold and the lamb offered the wolf to build a warm house, but he was lazy and did not want to help the lamb.

So she built the hut herself, in which it was warm and cozy. The wolf froze in the cold and asked to go to the lamb's house, which took him in, regretting it. The wolf did not appreciate this attitude and decided to eat the lamb. But she was smart and brave and was able to defeat the ungrateful wolf, driving him out of her warm hut.

Once upon a time there lived a wolf and a sheep in the same forest. The sheep, having strayed from the flock, got lost in the forest, and so it remained to live in it. And the wolf lived in that forest for a long time, he was like a home to him. The animals met once and decided to make friends. It was summer in the yard, everywhere it was warm and satisfying, it was a sin for them to quarrel, and there was no reason at all. The fall was already worse, but as winter came, they had a bad time. The animals were freezing from the cold, the wolf's paws almost fell off, the sheep's tail. So the sheep decided:

It's very cold outside. Let's build ourselves a house. We will live in it all winter, heat the stove.

And the wolf was completely lazy, so he answered her:

Eh you sheep. We got used to living with people forever, warm under the roof. And I feel good, I'm used to it!

The sheep did not argue with the wolf, built a hut for itself, in which there was a good stove and a bed. And the wolf ran through the forest, completely worn out. He had to think about how to hide from the frost. He did not particularly try, shook the snow into a heap, stamped it down with his paws, crushed it with his tail, so the hut came out of the snow. But when the bright winter sun came out, the snow walls melted and the hut collapsed. The wolf was left without a home, he had nothing to do, he came to the sheep.

Dear sheep, it's such a bitter frost in the yard, let me at least warm your nose.

I felt sorry for the wolf sheep, she opened the door. Then the wolf stretched out its head, stood for a while and spoke again:

Lamb, lamb, can I put my paws on the threshold, otherwise they are completely frozen.

The sheep opened the door more, allowed the wolf to step on the threshold, but the wolf still does not calm down:

Sister, listen to how the wind howls strongly, let your sides warm up, open the door a little more!

Well, I'm not sorry for the warmth, move into the hut, warm your sides.

The wolf climbed into the hut up to its tail and said:

Oh, how warm and good it is now! Thank you sister. But I'm afraid I'll be left without a tail, my wolf beauty will disappear in the cold, it will disappear!

Oh you, beggar! You can walk around the village with a bag, beg for food. So be it, warm your tail.

The wolf ran into the hut and quickly settled down on the stove. He lay all day, not budging, and in the evening he wanted to eat.

Sister sheep, it's time to go to bed. Get on the stove with me, there is enough space for both of them, - the wolf suggested in a gentle voice.

I do not want to sleep yet, and there are still many things to do. Here are the spoons, not washed, flour is not sown. I can handle everything, then I'll go to bed.

The wolf did not wait and fell asleep. Woke up in the middle of the night from hunger. I ransacked everything around me, there is no sheep nearby. Jumped to the floor and let's look for the sheep. And she turned out to be cunning: she hid in a trash box. The wolf never found her.

In the morning, the sheep climbed out of the box and quietly began to laugh at the wolf:

Why did you sleep so badly at night? I ransacked all the corners, but did not find me.

The next day the wolf lay on the stove, and by evening he was so hungry that he again called the sheep to him:

Get on the stove, dear! It's so warm and cozy here!

Wait, wolf. My business has not been redone yet: the bread dough has not been set, the wood has not been chopped. When I can handle it, I'll lie down to you.

The wolf did not wait for her and fell asleep today. At night, I woke up again from hunger, almost howling. I ransacked everything, but, not finding a sheep, went to bed.

So three days passed. Every evening the wolf called the sheep to the stove, and she dissuaded. The sheep realized that it would not end so easily. In the morning I ran out of the hut, dug up cranberries in the snow, and rolled in this berry from head to toe. Having soaked in red juice, grabbed a long rod and ran to the hut. She stopped at the window and shouted:

Isn't the wolf lying there on the stove? I've already bitten seven of them, I'll get to the eighth now!

The wolf looked out the window, saw the beast smeared with true wolf blood, and was so frightened that in an instant he jumped out of the hut. And the clever sheep fell out in the snow, washed off the juice and healed again in its warm hut.

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