Tale of the autumn wind. Picture storytelling, spelling and melody skills Develop logical thinking based on cause and effect relationships that explain the formation of wind; develop the ability to determine the direction of the wind; develop oral speech, mind

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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 a client's insolvency. In order to return its funds, the creditor has the right to sell the provided collateral property. 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 sides of the transaction with the pledge of property. The advantages include:

obtaining the maximum possible loan amount;
obtaining a loan for a long period of time;
lending 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 a loan 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 the pledge of an apartment does not always look tempting, but the provision of your vehicle as additional security a bank loan is a more thoughtful and less risky business.

Sovcombank has been operating in Russia for over 25 years and is a major 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 vehicles. This loan has its own characteristics.

Maximum amount

Sovcombank issues a maximum amount of 1 million rubles to the 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 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 offered is 16.9%. If the amount of the loan received for a specific purpose is less than 80%, then the rate is increased and amounts to 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 receive a loan with an interest rate of 4.86%. With the smallest amount of credit taken by the client and the minimum term for concluding the agreement, the bank will offer a lower annual interest rate.

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

Requirements for the borrower

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

Age. The client of the bank applying for the loan must be older than 20 and younger than 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 conclusion of the loan agreement, the client must be employed. Moreover, the experience at the last place of work should be more than 4 months.
Registration. An individual can apply for 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.
Telephone. An important requirement is the presence of a fixed telephone number. It can be both home and work.

Auto vehicle pledged to the bank must meet certain conditions.

No more than 19 years must have elapsed from the date of manufacture of the car at the date of conclusion of the contract.
The car must be on the move, in good condition.
The pledged vehicle must be free from other pledge obligations. The vehicle cannot have a double deposit.
At the time of signing the contract, the car should not be a participant in the car loan program.

Required documents

Before signing an agreement with the bank, the client collects the documents required for this transaction. Moreover, both papers related directly to the borrower and documentation for the pledged vehicle will be needed.

For an individual

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

Russian passport and its copy;
SNILS or driver's license (at the choice of the client);
certificate of income, completed 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 a “net” form. The document must be endorsed by the head of the enterprise, the seal of the organization is affixed to it.
notarial consent of the spouse. If it is issued as a guarantor, then it is additionally necessary to conclude an agreement, which specifies 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 Articles of Association, documents of appointment CEO, chief accountant.
Financial. This package of documents includes papers on registration with the Unified State Register of Legal Entities, certificates of the status of the current account.
General. Activity Documents legal entity, its partners, the main types of contracts.

Property documents

The following documents are required for the car:

vehicle passport;
certificate of registration;
OSAGO insurance policy.

You can apply for a car loan in several stages.

Before concluding an agreement, you should determine the purpose of obtaining borrowed funds and weigh your financial capabilities.
Applying 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 consent of the bank to apply for a loan, you must come with all the papers to the nearest branch.
The conclusion of the loan agreement and the signing of the mortgage on the 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, at least important issue its timely repayment is considered, so it is important to clarify the possible ways.

You can pay the loan amount at any Sovcombank office through an operator or through a terminal or ATM of this banking institution.
If the client has personal account Sovcombank, he will be able to repay his loan obligations with the convenience of not leaving his home.
In any branch of the Russian Post, the client can make a money transfer by indicating the details of the bank account.
You can pay the amount of the debt through ATMs of other banks. Please note that in this case a fee will be charged.

Target: introduce N. Abramtseva's "The Tale of the Autumn Wind"; develop attention, thinking, imagination, speech, orientation in space, expand vocabulary; nurture empathy and empathy.

Equipment: students have a notebook in a cage, a pen, colored pencils.

Teacher. Guys, decipher the name of the fairy tale with which I want to introduce you today.

Independent work. Writing in notebooks. Examination.

Board writing:

Answer. "The Tale of the Autumn Wind"

Divide all words into two groups.

Oral group work.

The wind (what?) is violent, harsh, singing, playful, chilling, playful, raging, invigorating, piercing, furious, sharp, howling, affectionate, gentle, impetuous, hurricane, light-winged.

What is the mood of the wind now?

watch out for the wind

Came out of the gate

knocked on the window,

Ran across the roof;

Played a little

branches of bird cherry,

scolded for something

Sparrows of acquaintances.

And straightening cheerfully

young wings,

flew somewhere

Racing with dust.

M. Isakovsky

And now?

Wind, wind, wind, wind

What are you making noise in the branches?

Free wind, wind, wind,

The reeds tremble before you.

K. Balmont

Teacher. So listen to the story.

“There was a wind. At first he lived well, had fun. The time was hot, and therefore everywhere and everywhere they rejoiced in the wind ... The wind will blow from the field - it will bring the aroma of hot ears. People are happy. The wind blows from the meadow - the smell of mowed grass arrives. Again people are happy.

Well, if the wind brings a damp salty coolness from the sea, people rejoice, they cannot get enough of it.

The wind could do many things. He could flip through the pages of books. True, not always in the right direction. He knew how to dry washed clothes no worse than the sun. He also knew how to inflate the sail of a boat and drive it across the blue sea.

This is a very beautiful sight. Let's draw a sailboat driven by the wind in the cells in a notebook.

Put a dot in the corner of the cell. draw the line

four cells up;

one cell down obliquely from left to right;

one cell to the left;

three cells down obliquely from left to right;

three cells to the left; one cell down;

three cells to the right;

one cell down obliquely from right to left;

three cells to the left;

one cell up obliquely from right to left;

two cells to the right.

The teacher completes the task simultaneously with the children on the cells of the board. Examination.

Color the sailboat with colored pencils. Give it a romantic name, such as "Azure Wave", "Dauntless", "Flying on the Waves".

What else can the wind do? Let's play the yes-no game. I will pronounce the phrase. If you agree with her, say “yes” in chorus, if you do not agree, say “no”.

Is it true that the wind can...

Close vents? (Yes)

To push passers-by? (Yes)

Annoy the bees? (Not)

Flip the car? (Yes)

Refrigerate tea? (Yes)

Mess up your hair? (Yes)

Strip the leaves off the trees? (Yes)

Help mushrooms grow? (Not)

Buzz in the wires? (Yes)

Spread the scent of flowers? (Yes)

Raise a storm at sea? (Yes)

Reach the bottom of the ocean? (Not)

Destroy houses? (Yes)

Make the bell ring? (Yes)

Pull a tree out of the ground? (Yes)

Make the river flow in reverse direction? (Not)

Arrange a storm in a teacup? (Not)

“Everything was good with the wind. And therefore, if sometimes he slammed the windows too loudly, no one was offended by him. After all, what would people do in a hot summer without a good fresh wind!

So it was in the summer. But now autumn has come. Cold, angry autumn. The sky was covered with clouds gray - gray. The rain poured heavily. Everyone hid at home. And people, and cats, and dogs, and hares, and wolves. That's just the wind on the street remained. He didn't have a home.

There was a wind in the cold rain without a roof. He flew through the cold forest among the trees that had flown around, without a single leaf. The wind was flying in the field, in the gray field, without a single warm yellow spikelet. Flew over the cold sea. Not blue, like in summer, was the sea, but gray, like fall rain. The chilled wind flew, and the faster it flew, the colder it became.

The wind can be kind, gentle, but it can also be evil if it is very angry.

Let's play a game called "What would happen if ...".

So what would happen if the wind.

Would you stop appearing at sea?

Would you lift boxes of oranges into the air and scatter them around the kindergarten?

Dispersed forever all the clouds and clouds over our city?

Would you howl like a ghost every night?

Lift all the people up in the air and hold them there for an hour?

Did you bring bananas from Africa and distribute them to orphanage children?

Did you work as a postman?

In winter, did you clean the paths from snow?

“The wind is freezing. And people hid in warm houses.

“I’ll ask people to let me into the house to warm up,” the wind decided.

The wind flew up to the most beautiful house, knocked on the window.

- Let me go, please! It's me, the wind! We were friends in the summer, but now I'm cold.

But people closed the frames more tightly and moved away from the windows.

They didn't recognize me, thought the wind. Again he knocked on the window, again complained about the autumn cold and rain, again asked to let him into the house to warm himself.

But people did not understand the words of the wind. It seemed to them that he was just buzzing outside the windows. People did not know the language of the wind. Instead of opening the windows and letting the wind warm up, people put in second frames.

— What bad weather! What rain! people said. - Which cold wind!

“I am not cold,” the wind cried, “I am frozen.”

But people didn't understand him."

Teacher. How does the cold wind make you feel? (Children's answers.) What words would you choose now to describe the wind? (Children's answers.)

Examples: unhappy, poor, desperate, cold, miserable, downcast, dreary, etc.

Poor, poor wind! .. He has no home where he could hide from the weather and keep warm. What can we do for him? (Give him a house.)

Draw a beautiful house as a gift to the unfortunate wind.

Children draw. Exchange of impressions.

Reach out to the wind with kind words and offer your gift.

Sample. Sweet wind! I know how cold you are, uncomfortable without a home. Nobody wants to let you in. You are suffering. I feel so sorry for you. I want to give you this house. Live in it whenever you want.

Appeals of 3-4 students are heard.

Teacher. Now the wind has not even one house, but several at once, and he will be able to live in them one by one. You did a good job guys!

Of course, you want to know how the fairy tale ended.

“Suddenly, someone called out to the wind. The words either rang like sharp cold ice floes, or seemed soft and warm, like snow blankets. Of course, it was the voice of winter. -

“Wind,” said winter, “don’t cry, wind!” I'll give you a snowflake cape. Light, beautiful, warm. You will warm up quickly.

And winter threw a cape of beautiful snowflakes to the wind. The wind tried on the cape and was very pleased. She really was warm and beautiful.

When people looked out the windows, they saw the wind in a snow cape and did not recognize it, it became so beautiful.

“The beautiful blizzard,” they said. - Beauty-blizzard!

And the wind flew snowy forest, waved his beautiful cape of snowflakes, and he was a little offended. Therefore, it was a shame to the wind that people were not happy with it, but with a beautiful blizzard. But it's nothing. Someday the winter will end. The beautiful snow cape of the wind melts. A hot summer will come, and people will wait for it again, a fresh breeze. They will rejoice in him, the good wind.

Information for parents: The Tale of the Autumn Wind is a short, kind story written by Natalya Kornelevna Abramtseva. It tells about the wind, which delighted people in the heat. Winter has come, people have closed themselves from the cold in their houses. The wind froze and asked people to warm themselves, but no one let it in. He was saved by winter, giving away a snow cape. The book "The Tale of the Autumn Wind" is written very easily, it can be read to children aged 4 to 8 years before bedtime. Enjoy reading.

Read the Tale of the Autumn Wind

There was a wind. At first he lived well, had fun. The time was hot, and therefore everywhere and everywhere they rejoiced in the wind ... The wind will blow from the field - it will bring the aroma of hot ears. People are happy. The wind blows from the meadow - the smell of mowed grass arrives. Again people are happy.
Well, if the wind brings wet salty coolness from the sea, people rejoice, they cannot get enough of it.
The wind could do many things. He could flip through the pages of books. True, not always in the right direction. He knew how to dry washed clothes no worse than the sun. He also knew how to inflate the sail of a boat and drive it across the blue sea.
Everything was good with the wind. And therefore, if sometimes he slammed the windows too loudly, no one was offended by him. After all, what would people do in a hot summer without a good fresh wind!
So it was in the summer. But now autumn has come. Cold, angry autumn. The sky was overcast with gray clouds. The rain poured heavily. Everyone hid at home. And people, and cats, and dogs, and hares, and wolves. That's just the wind on the street remained. He didn't have a home.
There was a wind in the cold rain without a roof. He flew through the cold forest among the trees that had flown around, without a single leaf. The wind was flying in the field, in the gray field, without a single warm yellow spikelet. Flew over the cold sea. The sea was not blue, like summer, but gray, like autumn rain. The chilly wind flew and flew, and the faster it flew, the colder it became.
The wind is completely frozen. And people hid in warm houses.
“I’ll ask people to let me into the house to warm up,” the wind decided. The wind flew up to the most beautiful house, knocked on the window.
- Let me go, please! It's me, the wind! We were friends in the summer, but now I'm cold.
But people closed the frames more tightly and moved away from the windows.
They didn't recognize me, thought the wind. Again he knocked on the window, again complained about the autumn cold and rain, again asked to let him into the house to warm himself.
But people did not understand the words of the wind. It seemed to them that he was just buzzing outside the windows. People did not know the language of the wind. Instead of opening the windows and letting the wind warm up, people put in second frames.
- What bad weather! What a rain! - people said. - What a cold wind!
- I'm not cold, - the wind was crying, - I'm frozen.
But people didn't understand him.
Suddenly, someone called out to the wind. The words either rang like sharp cold ice floes, or seemed soft and warm, like snow blankets. Of course, it was the voice of winter.
- Wind, - said winter, - do not cry, wind! I'll give you a snowflake cape. Light, beautiful, warm. You will warm up quickly.
And winter threw a cape of beautiful snowflakes to the wind. The wind tried on the cape and was very pleased. She was really warm and beautiful.
When people looked out the windows, they saw the wind in a snow cape and did not recognize it, it became so beautiful.
- Beauty-blizzard, - they said. - Beauty-blizzard! And the wind flew through the snow-covered forest, waving its beautiful cape of snowflakes, and it was a little insulting to him. Therefore, it was a shame to the wind that people were not happy with it, but with a beautiful blizzard.
But it's nothing. Someday the winter will end. The beautiful snow cape of the wind melts. A hot summer will come, and people will again wait for it, a fresh wind. They will rejoice in him, the good wind ...

The sky was blue and the clouds were pink. Not exactly pink, more like white. Pink was her wonderful hair (people call it cirrus clouds). Tuchka's hair could not help but be pink, because it was combed by the red rays of the setting sun. And the cloud was light, light. And also funny and kind. And do not say that my cloud is not real, but as if drawn. The cloud is just very real. It's just her birthday. The first. It's just that on this very day a cloud appeared ...

Many years ago—maybe two hundred, maybe three hundred—the Shoemaker lived in a small town. Ordinary town: narrow streets, sharp spiers of the main buildings. Ordinary Shoemaker. Good Shoemaker. One day, in the evening, a customer comes to him - the most famous lawyer in the city. And he asks for boots to be sewn in the morning, but as best as possible, smarter. “Tomorrow,” he explains, “I have a very important trial: I am defending a completely innocent person. So I want to look more impressive. - Well, - says Shoemaker, - I'll try very hard ...

There was rain. Shaggy, long-haired rain. If he got angry, the cold strands of his wet hair whipped people over their faces and eyes. To tears. But people were not offended, because when the rain was in good mood, his soft, silky hair gently touched your cheeks, hands, eyes, whispered something. And yet the rain was shaggy and long-haired. And he got tired of it. .- I'll get my hair cut, - the rain decided. - I'm not the first, I'm not the last. Went to the hairdresser. And, of course, he worked as a hairdresser for a month-sickle. - How do you cut your hair? - the month asks ...

Once upon a time... No. Once upon a time... No. There was a window. Beautiful-beautiful. Probably the most beautiful in our small town. The lower, larger part of the window, the part that opens, was completely transparent glass, unusually clean and slightly shiny. Do you know why the window glass was shiny? Because it was friends with the sun. And every morning the sun gave him one of his rays. That's why the transparent window glass shone. And the upper, smaller part of the window? She was completely different. The upper strip of the window consisted of seven glass squares of seven different colors: red, orange, yellow, green, blue, blue and purple...

The sun woke up. Peeked over the horizon. I looked around, because he is responsible for the whole day. You can’t say that his mood immediately deteriorated. The forest and meadow were green, the field was golden, the river was blue. Somewhere on the edge of the world, a cloud yawned and stretched. Huge, dark gray. She did not frighten the sun. But on the other side of the world, a small snow-white cloud soared in the sky. Very cute and definitely funny. It made the sun not only frown, but smile a little cautiously. Time goes by, the sun is in a hurry ...

The house is in turmoil. Trouble in the house. Almost trouble. Rose is sick! Rose is sick! The one that was given to my mother New Year. This year the New Year is snowy, very frosty. But they still managed to get a rose for mom. The whole New Year's Eve day there was a beautiful rose in a narrow glass vase. And those who admired the wonderful, unusually beautiful rose. it became joyful, warm and so easy, as if for the whole coming year no one would have a single smallest trouble. So it was during the day ...

Once upon a time there were three forest frogs. Once they sat on a stump and looked at three different sides: looking for something funny. Suddenly, one frog says: “A man, it seems.” “A mushroom picker, probably,” another said. “Not interested,” a third responded without looking. Serious Old man. Strict elegant suit, tie, black shoes, white shirt. In one hand is a huge open umbrella. Cloudy, but there was no rain, every forest dweller will confirm ...

Well, if the wind brings wet salty coolness from the sea, people rejoice, they cannot get enough of it.

Everything was good with the wind. And therefore, if sometimes he slammed the windows too loudly, no one was offended by him. After all, what would people do in a hot summer without a good fresh wind!

So it was in the summer. But now autumn has come. Cold, angry autumn. The sky was overcast with gray clouds. The rain poured heavily. Everyone hid at home. And people, and cats, and dogs, and hares, and wolves. That's just the wind on the street remained. He didn't have a home.

There was a wind in the cold rain without a roof. He flew through the cold forest among the trees that had flown around, without a single leaf. The wind was flying in the field, in the gray field, without a single warm yellow spikelet. Flew over the cold sea. The sea was not blue, like summer, but gray, like autumn rain. The chilly wind flew and flew, and the faster it flew, the colder it became.

The wind is completely frozen. And people hid in warm houses.

I’ll ask people to let me into the house to warm up, the wind decided. The wind flew up to the most beautiful house, knocked on the window.

Let me go please! It's me, the wind! We were friends in the summer, but now I'm cold.

But people closed the frames more tightly and moved away from the windows.

They didn't recognize me, thought the wind. Again he knocked on the window, again complained about the autumn cold and rain, again asked to let him into the house to warm himself.

What bad weather! What a rain! - people said. - What a cold wind!

I am not cold, the wind cried, I am frozen.

But people didn't understand him.

Suddenly, someone called out to the wind. The words either rang like sharp cold ice floes, or seemed soft and warm, like snow blankets. Of course, it was the voice of winter.

Wind, said winter, don't cry, wind! I'll give you a snowflake cape. Light, beautiful, warm. You will warm up quickly.

And winter threw a cape of beautiful snowflakes to the wind. The wind tried on the cape and was very pleased. She really was warm and beautiful.

When people looked out the windows, they saw the wind in a snow cape and did not recognize it, it became so beautiful.

Beauty-blizzard, - they said. - Beauty-blizzard! And the wind flew through the snow-covered forest, waving its beautiful cape of snowflakes, and it was a little insulting to him. Therefore, it was a shame to the wind that people were not happy with it, but with a beautiful blizzard.

But it's nothing. Someday the winter will end. The beautiful snow cape of the wind melts. A hot summer will come, and people will again wait for it, a fresh wind. They will rejoice in him, the good wind ...