Children's fairy tales online. A Tale of the Autumn Wind Natalya Abramtseva A Tale of the Wind

:cyclone: ​​:sunny:

Once upon a time there was a wind. At first I lived well and had fun. The time was hot, and therefore everyone and everywhere rejoiced at the wind... The wind will blow from the field and bring the aroma of hot ears. People are happy. The wind blows from the meadow and the smell of cut grass flies in. People are happy again.
Well, if the wind brings moist, salty coolness from the sea, people are happy, they couldn’t be happier.
The wind could do many things. He knew how to turn the pages of books. True, not always the right side. He could dry washed clothes as well as the sun. He also knew how to inflate the sail of a boat and drive it across the blue sea.
Everything worked out well for 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!

That's how it was in the summer. But then autumn came. Cold, angry autumn. The sky was covered with gray-gray clouds. The rain poured down heavily. Everyone hid at home. And people, and cats, and dogs, and hares, and wolves. But the wind remained outside. He wasn't at home.

The wind was left in the cold rain without a roof. He flew through the cold forest among the fallen trees without a single leaf. The wind flew in a field, in a gray field, without a single warm yellow spikelet. Flying over the cold sea. The sea was not blue, like in summer, but gray, like autumn rain. The chilly wind flew and flew, and the faster it flew, the colder it became.

The wind has completely frozen. And people hid in warm houses.
“I’ll ask people to let me into the house to warm myself,” the wind decided. The wind flew up to beautiful home, knocked on the window.
- Let me in, 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. He knocked on the window again, again complained about the autumn cold and rain, and again asked to be allowed into the house to warm up.
But people did not understand the words of the wind. It seemed to them that he was just humming outside the windows. People did not know the language of the wind. Instead of opening the windows and letting the wind warm them, people put in second frames.
- What bad weather! What rain! - people said. - Which cold wind!
“I’m not cold,” the wind cried, “I’m frozen.”
But people didn't understand him.

Suddenly someone called out to the wind. The words either rang like sharp cold pieces of ice, or seemed soft and warm, like blankets of snow. Of course, it was the voice of winter.
“Wind,” said winter, “don’t cry, wind!” I'll give you a cape made of snowflakes. Light, beautiful, warm. You'll 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 the snow cape and did not recognize it, it had become so beautiful.
“Beautiful blizzard,” they said. - Beautiful snowstorm! And the wind flew through snowy forest, waved his beautiful cape of snowflakes, and he was a little offended. That’s why the wind was offended because it was not the wind that people rejoiced at, but the beautiful blizzard. But that's okay. Someday winter will end. The beautiful snow cape of the wind will melt. A hot summer will come, and people will again wait for it, for the fresh wind. They will rejoice at him, the good wind...

Once upon a time there was a wind. At first I lived well and had fun. The time was hot, and therefore everyone and everywhere rejoiced at the wind... The wind will blow from the field and bring the aroma of hot ears. People are happy. The wind blows from the meadow - the smell of mown grass flies in. People are happy again.

Well, if the wind brings moist, salty coolness from the sea, people are happy, they couldn’t be happier.

The wind could do many things. He knew how to turn the pages of books. True, not always in the right direction. He could dry washed clothes as well as the sun. He also knew how to inflate the sail of a boat and drive it across the blue sea.

Everything worked out well for 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!

That's how it was in the summer. But then autumn came. Cold, angry autumn. The sky was covered with gray-gray clouds. The rain poured down heavily. Everyone hid at home. And people, and cats, and dogs, and hares, and wolves. But the wind remained outside. He wasn't at home.

The wind was left in the cold rain without a roof. He flew through the cold forest among the fallen trees without a single leaf. The wind flew in a field, in a gray field, without a single warm yellow spikelet. Flying over the cold sea. The sea was not blue like in summer, but gray like autumn rain. The chilly wind flew and flew, and the faster it flew, the colder it became.

The wind completely froze. And people hid in warm houses.

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

Let me in 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. He knocked on the window again, again complained about the autumn cold and rain, and again asked to be allowed into the house to warm up.

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

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

“I’m not cold,” the wind cried, “I’m frozen.”

But people didn't understand him.

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

Wind, said winter, don’t cry, wind! I'll give you a cape made of snowflakes. Light, beautiful, warm. You'll 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 the snow cape and did not recognize it, it had become so beautiful.

“Beautiful blizzard,” they said. “Beautiful blizzard!” And the wind flew through the snowy forest, waving its beautiful cape of snowflakes, and he was a little offended. That’s why the wind was offended because it was not the wind that people rejoiced at, but the beautiful blizzard.

But that's okay. Someday winter will end. The beautiful snow cape of the wind will melt. A hot summer will come, and people will again wait for it, for the fresh wind. They will rejoice at him, the good wind...

The tale is presented for informational purposes only.

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 sides transactions involving 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 borrowed money 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 security bank loan is a more thoughtful and less risky business.

Sovcombank carries 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 use early repayment loan without applying any penalties to it.

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

When concluding the proposed insolvency insurance agreement, the borrower can receive a loan with interest rate from 4.86%. At smallest size loan 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.

1. 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.
2. Citizenship. The potential borrower must be a citizen of Russia.
3. Employment. At the time of concluding the loan agreement, the client must be employed. Moreover, the experience is last place work must be more than 4 months.
4. Registration. Apply for a loan individual will only be possible if you 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.
5. Telephone. An important requirement is the presence of a stationary phone number. He can be both at home and at work.

Auto vehicle collateral provided to the bank must satisfy certain conditions.

1. No more than 19 years must have passed since the car was released on the date of conclusion of the contract.
2. The car must be running and in good working order.
3. The pledged vehicle must be free from other collateral obligations. The car cannot have a double lien.
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 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, you will need significant large quantity documents. Conventionally, they can be divided into 3 groups.

1. Constituent. These include the Charter, documents of appointment general director, chief accountant.
2. 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.
3. Are common. Documents about activities legal entity, its partners, the main types of contracts.

Property documents

The following documents will be required for the car:

• vehicle passport;
• certificate of its registration;
• OSAGO insurance policy.

You can apply for a loan secured by a vehicle in several stages.

1. Before concluding an agreement, you should determine the purpose of obtaining borrowed funds and weigh your financial capabilities.
2. 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/).
3. Collection of documents for the client and the car.
4. After receiving the bank’s consent to apply for a loan, you must come to the nearest branch with all the papers.
5. Conclusion loan agreement and signing a car mortgage. 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, an equally important issue is its timely repayment, so it is important to clarify the possible methods.

1. You can deposit the loan amount at any Sovcombank office through an operator or through a terminal or ATM of this banking institution.
2. If available from the client personal account Sovcombank, he will be able to repay his loan obligations comfortably, without leaving his home.
3. At any branch of Russian Post, the client can make remittance, indicating bank account details.
4. You can also deposit the debt amount through ATMs of other banks. Please note that in this case a commission will be charged.

Once upon a time there was a wind. At first I lived well and had fun. The time was hot, and therefore everyone and everywhere rejoiced at the wind... The wind will blow from the field and bring the aroma of hot ears. People are happy. The wind blows from the meadow - the smell of mown grass flies in. People are happy again.

Well, if the wind brings moist, salty coolness from the sea, people are happy, they couldn’t be happier.

The wind could do many things. He knew how to turn the pages of books. True, not always in the right direction. He could dry washed clothes as well as the sun. He also knew how to inflate the sail of a boat and drive it across the blue sea.

Everything worked out well for 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!

That's how it was in the summer. But then autumn came. Cold, angry autumn. The sky was covered with gray-gray clouds. The rain poured down heavily. Everyone hid at home. And people, and cats, and dogs, and hares, and wolves. But the wind remained outside. He wasn't at home.

The wind was left in the cold rain without a roof. He flew through the cold forest among the fallen trees without a single leaf. The wind flew in a field, in a gray field, without a single warm yellow spikelet. Flying over the cold sea. The sea was not blue like in summer, but gray like autumn rain. The chilly wind flew and flew, and the faster it flew, the colder it became.

The wind completely froze. And people hid in warm houses.

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

Let me in 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. He knocked on the window again, again complained about the autumn cold and rain, and again asked to be allowed into the house to warm up.

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

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

“I’m not cold,” the wind cried, “I’m frozen.”

But people didn't understand him.

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

Wind, said winter, don’t cry, wind! I'll give you a cape made of snowflakes. Light, beautiful, warm. You'll 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 the snow cape and did not recognize it, it had become so beautiful.

“Beautiful blizzard,” they said. “Beautiful blizzard!” And the wind flew through the snowy forest, waving its beautiful cape of snowflakes, and he was a little offended. That’s why the wind was offended because it was not the wind that people rejoiced at, but the beautiful blizzard.

But that's okay. Someday winter will end. The beautiful snow cape of the wind will melt. A hot summer will come, and people will again wait for it, for the fresh wind. They will rejoice at him, the good wind...

Once upon a time there was a wind. At first I lived well and had fun. The time was hot, and therefore everyone and everywhere rejoiced at the wind... The wind will blow from the field and bring the aroma of hot ears. People are happy. The wind blows from the meadow - the smell of mown grass flies in. People are happy again.

Well, if the wind brings moist, salty coolness from the sea, people are happy, they couldn’t be happier.

The wind could do many things. He knew how to turn the pages of books. True, not always in the right direction. He could dry washed clothes as well as the sun. He also knew how to inflate the sail of a boat and drive it across the blue sea.

Everything worked out well for 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!

That's how it was in the summer. But then autumn came. Cold, angry autumn. The sky was covered with gray-gray clouds. The rain poured down heavily. Everyone hid at home. And people, and cats, and dogs, and hares, and wolves. But the wind remained outside. He wasn't at home.

The wind was left in the cold rain without a roof. He flew through the cold forest among the fallen trees without a single leaf. The wind flew in a field, in a gray field, without a single warm yellow spikelet. Flying over the cold sea. The sea was not blue like in summer, but gray like autumn rain. The chilly wind flew and flew, and the faster it flew, the colder it became.

The wind completely froze. And people hid in warm houses.

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

Let me in 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. He knocked on the window again, again complained about the autumn cold and rain, and again asked to be allowed into the house to warm up.

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

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

“I’m not cold,” the wind cried, “I’m frozen.”

But people didn't understand him.

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

Wind, said winter, don’t cry, wind! I'll give you a cape made of snowflakes. Light, beautiful, warm. You'll 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 the snow cape and did not recognize it, it had become so beautiful.

“Beautiful blizzard,” they said. “Beautiful blizzard!” And the wind flew through the snowy forest, waving its beautiful cape of snowflakes, and he was a little offended. That’s why the wind was offended because it was not the wind that people rejoiced at, but the beautiful blizzard.

But that's okay. Someday winter will end. The beautiful snow cape of the wind will melt. A hot summer will come, and people will again wait for it, for the fresh wind. They will rejoice at him, the good wind...