Ncha ŵakwenera ngongole galimoto chiyani?

galimoto Private - ndizabwino kutsutsana ndi mawu amenewa simungathe aliyense. Komabe, kugula si wotchipa, ndipo Musalole kuti aone Njinga Show simungathe mwathu muno onse. N'chifukwa chake chaka chilichonse ayamba mapulogalamu ngongole kutchuka galimoto kuti akhoza ndithu zosiyanasiyana. Komanso, kwa zaka zingapo, pali zinthu mokondera galimoto ngongole pulogalamu ku Russia. Komabe, zinthu oyamba.

Kodi kupeza ngongole pa galimoto

Pakali pano, pali njira zitatu kugula galimoto pangongole. Car pulogalamu:

Kuweta. pulogalamuyi ndi ofanana ndi munthu wamba ogula kukongoza. Timatha inu kugula mu ntchito galimoto zatsopano ndi ntchito, ndipo moperewera, ndi zoweta kapena achilendo kupanga. Kuchokera tsiku chiphaso cha ndalama wobwereka chimaperekedwa palibe masiku oposa 90 kusankha ndi kugula galimoto. Pambuyo kugula galimoto chimakhala chitsimikizo banki. Kuchuluka kwa kudalira ngongole kungakhale miliyoni 5 rubles, ndi chiwongola dzanja monga mkulu 20%. Ndalama ndi pulogalamu yaikulu ya ngongole galimoto zilipo kwa zaka 5.

Othandizana. Izi njira ali pafupifupi zofanana avtosubsidirovanie ndi kusiyana kokha kukhala kuti n'zotheka kuchepetsa ena mwa mlingo chidwi pa ngongole, ngati inu kugula galimoto mu chochezera, amene ali bwenzi la kukongoza banki. pulogalamuyi ali kuipa zingapo:

• kugula galimoto ntchito m'njira imeneyi bwino;
• kusankha ndi ufulu kwa zitsanzo zimene kwake Chipinda Cowonetsera yeniyeni;
• adzayenera konzani chopereka koyamba osachepera 20%.

Boma pulogalamu ya ŵakwenera ngongole galimoto. Kuchuluka ngongole zoterozo pulogalamu angakhale 85% ya mtengo wa galimoto, koma musalumphe rubles 800 zikwi.. Kutembenuza nthawi - osati zaka zoposa 3. Akamanena za pulogalamu ya ŵakwenera ngongole galimoto gawo la chidwi ngongole ya asabwezere boma la kwa inu, kwambiri amachepetsa chiwongola dzanja kwa wobwereka lapansi. Mlingo wa ang'onoang'ono ngati zikutanthauza amadalira CBA mlingo refinancing Koma pa nkhani iliyonse angakhale osiyana.

nkhani za m'mbiri

Ŵakwenera pulogalamu galimoto ngongole koyamba anayesedwa la Russia kunali mavuto 2009. lingaliro ili, pamodzi ndi pulogalamu ya yobwezeretsanso magalimoto akale anathandiza kusunga wolimba automakers zoweta kwambiri Sinthani zombo za ku Russia. Komabe, pulogalamu loyamba ŵakwenera ngongole galimoto anali ndi zolephera zingapo:

1. Izo poyambirira kuti athandizire pa kampani "AvtoVAZ" monga ndalama pafupifupi magalimoto a mtundu uyu sanali upambana 350 zikwi. Rubles.
2. Masanjidwe, wavomerezedwa ndi unduna wa Makampani chifukwa kukhazikitsa dongosolo, anali mayina 10 okha, kwambiri ogula kusankha anali palibe.
3. Chinanso zoipa funso si mkulu koyamba malipiro - osachepera 30% wa mtengo wa galimoto. Ikani yofanana nthawi yomweyo angakwanitse osati aliyense.

Komabe, kupita kwa nthawi, pulogalamu zinatchuka ndithu, malipiro koyamba anali halved, ndi amenewa akhala kukodzedwa kasanu. Lero tikhoza kunena motsimikiza kuti ŵakwenera pulogalamu galimoto ngongole ndi njira yotchuka kwambiri kugula galimoto. Komabe, panthawi zosiyanasiyana pulogalamu avtosubsidirovaniya ndi anaima, ndiye adapitiriza kachiwiri, ndipo anali kutsutsana kwambiri ngati kuti tipitirize izo mtsogolo madzulo a 2015.

A mndandanda watsopano wa magalimoto

Ngakhale kuti zinthu ziliri zachuma ndi osakhazikika ndithu, ndi April 1, 2015 udachita pulogalamu yatsopano ya ŵakwenera ngongole galimoto. Mndandanda wa galimoto wakulitsidwa 50 maudindo Komabe, anayambitsa chikhalidwe chatsopano: galimoto kuthi pulogalamu chotero ziyenera 2015.

Choncho, zikuonekeratu kuti mndandanda wa magalimoto anapereka kugula mu chaka panopa si zambiri komanso si zokhazo zitsanzo zoweta.

Terms Auto Loan

Mu 2015, zinasintha ndi zinthu zina zofunika kwa nkhani ya ngongole galimoto pa mawu yabwino:

• mtengo okwana galimoto anagula pansi pa mawu a kukongoza concessional, mwina upambana 1 miliyoni rubles;
• pazipita zotheka kuchuluka kwa ngongole ya - 800 zikwi rbl..
• osachepera kuchuluka ngongole zingadziŵike m'mphepete yokha;
• Ngongole zilipo okha rubles Russian;
• galimoto kuti kasitomala akufuna kugula, iyenera kusonkhanitsidwa m'gawo la Russia;
• galimoto sangathe kugula m'njira, ngati misa okwana chitsanzo osankhidwa bwino musalumphe tonnes 3.5;
• ngongole mwina linapereka nthawi osati choposa miyezi 36 (zaka 3);
• Nagula galimoto sayenera kalero chikalata anthu zachilengedwe ndi akalembetse m'kaundula (kulembetsa) mogwirizana ndi malamulo Russian;
• mlingo kukongoza kuchita masamu kuti kusiyana pakati pa chiwongola dzanja chinanena mu mgwirizano wa bungwe la ndalama, ndi kulandilidwa ndi mphambu ziwili za mlingo refinancing wa Bank ku Central Akuluakulu a ku Russia pa nthawi processing ngongole;
• obwezeredwa amangonena za chiwongola dzanja atathana chabe;
• prepayment (malipiro) ndi 20%, koma pangakhale kwambiri (pempho la wobwereka ndi);
• Ngongole amangotorapo m'dziko la Russia.

Kodi chiwongola dzanja

Choncho, ŵakwenera pulogalamu galimoto ngongole amapereka malipiro a mbali chabe ya chidwi pa ngongole, izo zimatengera panopa mlingo refinancing amawatenga Bank ku Central la Russia. Kuchita kuwerengetsera yosavuta, mungapeze nokha, angati kulipira pa nkhani iliyonse. Kuchita izi, ntchito chilinganizo losavuta:

Sal = Mac - 2/3 × Ref, m'mene:

• Sal - ndi chiwongola dzanja pachaka;
• GC - ndi chiwongola dzanja tingati nthawi ya kalembera wa ngongole pansi muyezo chiwembu cha crediting;
• Ref -% refinancing ndi CBR pa nthawi ya mapeto a mgwirizano.

Ngati 01.04.2015, mlingo refinancing ndi 14%, kutanthauza kuti gawo recoverable kwake 9,33%. Choncho, ngati inu kulankhula ndi banki kuti amapereka galimoto ngongole ku 20% pa annum, pogwiritsa ntchito mapulogalamu phindu boma, adzaperekeratu ndalama okwana 10,67% pa chaka. Ndithudi, mitengo m'munsi pa magombe onse osiyana, kotero pa nkhani iliyonse chifukwa ochuluka adzakhala osiyana.

zinthu zofunikira ngongole galimoto

Pakuti ngongole galimoto pa pulogalamu zochepa, wobwereka si woyikidwa zofunika zapadera. Komabe, aliyense banki malamulo ake, ndi zinthu zikhoza kukhala zosiyana pang'ono, koma chithunzi avareji wobwereka ndi motere:

• A nzika ya Russian Federation osati wocheperapo 21 ndipo palibe zaka zoposa 60;
• Iwo ali ndi malo okhazikika ntchito osachepera kwa miyezi 6;
• anawerengedwa ndipo amakhala m'dera la msonkhano makamaka banki;
• akhoza kutsimikizira pamaso pa ndalama azilandira zokwanira kuti azitha malipiro apamwezi.

Zinachitikira wathu, tikhoza kunena kuti pali options 2 yekha, sipangakhalenso anakana ŵakwenera avtossud: zoipa ngongole mbiri ndi kukhalapo kwa ana osakwana zaka miyezi isanu ndi umodzi (akazi).

zofunika zina

Ngakhale kuti ŵakwenera pulogalamu galimoto ngongole zikuwoneka pafupi zofanana mabungwe onse banki, ena a muyezo ngakhale kuti yosiyaniranapo:

• mlingo m'munsi kukongoza (amene ku umene deducted subsidy);
• osachepera nthawi imene ngongole wapangidwa;
• amafuna kuti wobwereka, ndi ulemu kutalika kwa utumiki ndi malipiro;
• kufunika ina zina kapena kukopa guarantor;
• osachepera kuchuluka kwa ngongole ya;
• kufunika kulembetsa (kulembetsa) wa ngongole ku dera, kumene ngongole ndi chikalata.

zikalata

Ambiri, pulogalamu ya ŵakwenera ngongole galimoto zikutanthauza kuti wobwereka zolembedwa izi:

• pasipoti wachibadwidwe wa wobwereka, komanso ngati mkazi wake (mwamuna), ngati wamangawa ndi wokwatiwa;
• olembedwa chilolezo cha mwamuna kapena mkazi ena kusamutsa galimoto monga ina ku banki;
• laisensi yoyendetsera (ngati);
• Background 2-DZENJE (ndalama);
• ndi Tingafinye m'buku ntchito, mwalamulo mbiri yabwino mu malo otsiriza a ntchito;
• mgwirizanowo malonda kapena nkhani kalata ya kanyumba, kutsimikizira mtengo wa galimoto.

Chifukwa aliyense gulu amachititsa ake mfundo ngongole, mndandanda wa zikalata chofunika siyana kwambiri. Komabe, ulamuliro osalembedwa ndi wamfupi liwu ngongole ndi yaitali malipiro koyamba, m'munsi zikalata mogwirizana ndi Bank.

Kodi kudzatunga ngongole zimenezi?

Choncho, kodi tingachite ŵakwenera pulogalamu galimoto ngongole, zambiri kapena sichidziwika bwino, ndipo ngati n'kotheka, kuti apereke ngati ngongole? Pakali pano, mndandanda wa mabungwe banki mu Russia, kupereka masuku zithandizozi akadali osati n'chiyani, kotero iliyonse ayenera kukhala kulongosola ngati n'zotheka kupeza ang'onoang'ono boma. Koma tikhoza kunena motsimikiza kuti mndandanda ndi yaitali ndithu, ndipo kumapeto kwa 2014, izo zinasonyeza kuti mabungwe zoposa 130. Pakati pawo:

• Sberbank.
• "VTB 24".
• "Uralsib".
• "Gazprombank".
• "UniCredit Bank".
• Bank "Saint-Petersburg".
• "Soviet" banki.
• "AK mipiringidzo" BANK;
• Bank "BTA-Kazan" ndi ena ambiri.

Kotero kupeza njira yabwino ndipo amapezerapo mwayi ŵakwenera galimoto kukongoza pulogalamu mu Russia mu 2015 sichidzawalaka.