Malipiro Car: mokoma onse kugula

Kwa anthu ambiri chinthu amakhala ofunitsitsa kugula pa chiyambi cha moyo wake ufulu ndi galimoto. Kugula galimoto yabwino sangakwanitse wina. Galimoto ndi njira yofunika kwambiri pa gulu, makamaka ngati ntchito kusamutsidwa ndi ntchito ndi maulendo kawirikawiri. Kwa gulu la anthu amene alibe ndalama zokwanira kugula galimoto, linanena bungwe adzakhala galimoto pang'onopang'ono. Ndipotu, njirayi ndi ngongole popanda chiwongoladzanja kwa ogulidwa chitsanzo makamaka a galimoto.

A mbiri pang'ono

Kwa nthawi yoyamba kupereka chidwi wopanda ngongole kugula galimoto kulankhula oyambirira 80 ntchentche wa XX atumwi. Nthawi imeneyi mmodzi wa automakers lalikulu American anaganiza kugulitsa katundu wawo, kupereka zinthu zabwino kwa malipiro kwa makasitomala awo. Ngati munthu alibe ndalama zokwanira kugula galimoto, iye amapatsidwa mwayi ndalama mwakamodzi, ndi kuchuluka otsala ndi allocated ku nambala inayake ya miyezi. Njira imeneyi nthawi zonse bwino ndipo posakhalitsa kampani wakhala wotchuka kwambiri pakati pa mpikisano, ndipo dziko anayamba kulankhula za woyamba ngongole chidwi-free kugula galimoto - kuthekera kugula galimoto pang'onopang'ono.

Mfundo yofunika chinali gawo akusowa ndalama operekedwa kuti kampani galimoto wogula nokha, koma ndiye kusamutsa iwo ngongole ku banki. Banki bungwe kudzawombola ngongole nthawi yomweyo osati kuchuluka lonse, ndi kuchotsera. Poyamba, kuti wogula galimoto ayenera osachepera 30%. Kuchuluka kwa ndalama kulowa siyana, ndi amadalira nthawi zimene pang'onopang'ono anapereka.

Mu dziko lathu mwayi kugula galimoto latsopano pang'onopang'ono anaonekera posachedwapa.

Kusiyana pakati pang'onopang'ono ndi ngongole

Mawu ndi chigawo kugula galimoto, kwenikweni, ndi mfundo zofanana kwambiri. Ndi Mulimonsemo, pobwereka ndalama kugula galimoto, koma ngati inu muyang'ana, ali kusiyana:

1. Time. ngongole ali linapereka nthawi yaitali, ambiri ngongole mgwirizano wa zaka 5-10, pamene mgwirizano wa kugulitsa malipiro galimoto zambiri chaka chimodzi, kapena ngakhale kwa miyezi ingapo.
2. The chiwongola dzanja pa ngongole galimoto zambiri ndi 15-20%. Kuyambira malonda, tinganene kuti anakhala ndi chikalata ngati ngongole chidwi-free, koma ogula ayenera kudziwa kuti umakhulupilira kulibe ziro chiwongola dzanja, pa mapeto a mgwirizano umenewu ndi pafupi kwambiri ziro, koma izo siziri. antchito Bank amati mlingo chigawo ndi 0.5% kapena 1%.
3. The malipiro koyamba. Pogula galimoto pangongole, iye mwina akhoza kukhala osachepera 10% wa mtengo wa katundu. Car chigawo malonda ikuchitika ndi kupanga amathandiza koyamba osachepera 20-30%, ndipo nthawi zambiri ndi 50% wa mtengo weniweni.

katundu ganyu kugula kumafuna kupereka ndalama zambiri nthawi imodzi, ndipo ngongole otsala linaperekedwa ndi pang'onopang'ono, ngongole wonse kuti mudzalipidwa chaka chimodzi kapena ziwiri.

Ndani ali ndi ufulu lowani pangano

The watsopano galimoto malipiro kugula anthu amene angakhale makasitomala a mabanki ndi kulowa zimenezi m'malo ake. Pamene kugula mankhwala mu Chipinda Cowonetsera ndi sanali kupereka lonse makina mtengo ndalama ndi chimatha chifukwa kampaniyo, koma ngongole lonse umasamutsidwa ku banki amene ogulitsa wapangana mgwirizano.

Mulimonsemo, wogula ayenera kukhala wangwiro komanso wa zaka malamulo. Pankhaniyi, m'badwo malire ndi kuchita masamu malinga ndi zaka zingati adzakhala wogula pa nthawi ya kupereka gawo lotsiriza la ngongole. Choncho, pa nthawi ya ndikupeleka nzika ayenera kukhala zaka zoposa 64 ndi mgwirizano pang'onopang'ono kwa chaka chimodzi akale kuposa zaka 63 - awiri.

The zikalata waukulu wofunikila ndikupeleka

Kuti agule galimoto pang'onopang'ono, muyenera amagonjera zikalata ogulitsira wantchito. Ndi laling'ono kwambiri kuposa processing wa ngongole, ndi Amakhala wa masheya zotsatirazi:

• Yofunsira mwayi malipiro pang'onopang'ono.
• A buku la pasipoti wa nzika ya Russian Federation, amene akufuna kugula galimoto.
• Buku wogula galimoto.

Documents natsimikiza solvency wa wogula, monga buku la mbiri ntchito kapena ndalama mawu, pa mapeto a mgwirizano umenewu si chofunika.

mbuna

Munthu aliyense amene akufuna kugula ntchito popanda pamaso pa mtengo yaikulu ya galimoto, muyenela kuzindikira kuti zotsatira za kusakhulupirika pa malipiro ngongole akhoza kwambiri, mpaka kusiya za makina. Kugula galimoto pang'onopang'ono popanda chiwongoladzanja kokha akumuphunzitsa amene ali ndi ndalama khola.

Wogula ayenera kumvetsetsa kuti ngongoleyo, iye akanakhoza kokha kwa chaka kapena munthu pazipita awiri. Azipewa malipiro zosatheka. Pa mapeto a mgwirizano ndi ndandanda ya malipiro pang'onopang'ono. Ngati munthu amene ali wogula galimoto, akhoza kukwanitsa kulipira malipiro, ndi kusokoneza osati adzapereke chiwongoladzanja pa arrears, komanso retraining mu ngongole watsopano. Nthawi zambiri mu mgwirizano mawu chigawo pali mzera wa, chimene vuto la kuchedwa kwa malipiro Muwerenge osachepera tsiku basi pangano ngongole galimoto pa mlingo wa osachepera 15%.

Kodi zinthu pang'onopang'ono

Ngati wogula sadziwa wina kuchuluka kukwaniritsidwa maloto ake, ukhoza kugula galimoto pang'onopang'ono. mgwirizano lonjezolo ogulitsira, ndilo mu kugulitsa galimoto. kwakukulukulu kudalira pa zikhalidwe za mapangano ndi kanyumba kasamalidwe ndi mabungwe banki, komanso mmene galimoto okonzeka kulipira banki potipatsa mwayi umenewu kwa makasitomala awo.

Popeza chidwi wopanda ngongole, zoona, kulibe amagulira ayenera kumvetsa kuti osachepera theka kuchuluka mfundo, koma galimoto nokha anapereka bungwe ndalama. Palinso zinthu zimene wogula ayenera kuchita kuti mapeto a mgwirizano pamwambapa. Kupezeka kwa inshuwalansi. Chigawo dongosolo, kwenikweni, ndi mankhwala a mabungwe atatu: Chipinda Cowonetsera, mabungwe banki ndi kampani ya inshuwalansi.

Mu zinthu zabwino zambiri imagwera chitsanzo ena a galimoto, amene amasankha ogulitsa. Ndiyeno, "masewero" ndi kulowa banki ndi zomwe galimoto ogulitsira anakhazikitsa asapita mgwirizano. Banki bungwe malipira chitsanzo winawake pa kuchotsera, ndipo mu mgwirizano ndi pang'onopang'ono wogula limasonyeza ulamuliro wathunthu. Kuti pali kusiyana pakati pa mtengo okwana galimoto ndi mtengo Kuchotsera ndi ndalama weniweni wa banki kwa iwowo.

Nthawi zambiri, pamene kugula inshuwalansi galimoto chofunika kuti wogula ya makina dongosolo chigawo ndalama 2-3% zodula.

ndalama zina

Pa kuwatsekela ndi chiwongoladzanja wopanda ngongole mgwirizano pamene kugula galimoto n'kofunika kuti apereke ndi inshuwalansi. inshuwalansi Basic magalimoto ku Russia - "Hull" ndi "CTP". Mlingo kuti uyenera kulipiridwa, zimadalira zinthu zosiyanasiyana: mtundu ndi chitsanzo cha galimoto ndi chitsanzo chaka. Mkulu premiums anatsimikiza magalimoto odula mwanaalirenji komanso masewera magalimoto.

Kuwonjezera ndalama galimoto inshuwalansi pang'onopang'ono Pakufunika zina ndalama chifukwa nkhani ya nkhani banki kupanga ndalama. Ndi akungotaya $ 10 20 zikwi rubles kwa kutsegula nkhani banki ndi kupanga makadi.

Kugula b / galimoto pangongole

Malinga ndi akatswiri, galimoto yomweyo pambuyo kuchoka kwa kanyumba wotaya 20% wa mtengo wake wonse, ndipo m'zaka zingapo - theka la ndalama. Palibe zobwera chikhumbo munthu kugula galimoto. Mwayi kugula magalimoto Bu pang'onopang'ono operekedwa ndi mabanki ambiri, komanso mavenda okha ntchito magalimoto. mabungwe banki anapereka zaka malire za makina, makasitomala-anthu kupereka mwayi uwu, kaya magalimoto chaka chitsanzo. Pang'onopang'ono banki amapereka nthawi imene m'badwo wa magalimoto kupanga zoweta - osati zaka zoposa 5, ndi achilendo - osapitirira 10.

Cars zogulitsa pang'onopang'ono yotengedwa ndi kulowa mgwirizano wa zogulitsa amalembedwa kuti "pang'onopang'ono". Posankha ndikupeleka m'pofunika kukhazikitsa phindu katundu, kotero kuti pamene muli mavuto ndi ndalama alibe kutaya ndalama.

Kodi chigawo opindulitsa

kugula galimoto chidwi wopanda ngongole kapena pang'onopang'ono opindulitsa yekha kuti gulu la anthu amene ali m'khola ndalama wabwino ndi kulipira ndalama Napempha kwa nthawi. Aliyense amene kuchedwa kupereka ngongole, mukhoza kupeza ukapolo chiyembekezo.

Kuwonjezera pa vutoli, chigawo ali okha amene mbali: wosalira Ndondomeko za mphoto ya mgwirizano, muyenera kugonjera osachepera zikalata kwa kulingalira ntchito, nthawi ya malipiro zazing'ono, analola alipire oyambirira ngongole.

Crediting ndi nthawi makamaka chisomo

Malamulo amapereka pulogalamu mungathe kugula galimoto pang'onopang'ono ndi otchedwa nthawi chisomo. Mozama pamene kutsegula akaunti ndi kuthekera ntchito khadi pulasitiki. Ndi wogula galimoto kwa nyengo zina za mgwirizano adzakhala mlandu chidwi ngongole ya. Komanso, inu mukhoza kupanga ndalama iliyonse, ngakhale kwambiri kuposa kutchulidwa ndandanda malipiro.

Childs, chotero nthawi chisomo kumatenga chaka chimodzi, ndipo ngati wogula amalipira ndalama zonse za mtengo wa galimoto pa nthawi ino, mfundo likukhalira kuti anagula galimoto pang'onopang'ono.