The yabwino kwambiri galimoto ngongole: zikhalidwe za mabanki. Kodi yopindulitsa kwambiri - magalimoto ngongole kapena ngongole ogula?

Pamene mukufuna kugula galimoto koma mulibe ndalama, mukhoza kugwiritsa ngongole. Aliyense banki amapereka mawu ake kuti: mawu, chiwongola dzanja ndi ndalama za malipiro. Zonsezi ndi zofunika kudziwa wobwereka pasadakhale ndi kuphunzira amachita bwino pa ngongole galimoto.

Pafupifupi salons onse Machinery kugwirizana ndi mabanki, kotero makasitomala athanso kukonza katundu. Koma muyenera choyamba mutidziwe bwino mfundo za pulogalamu kusankha imodzi yoyenera. Kawirikawiri ndi makhalidwe awo.

Kusankha Features ngongole

Ngati ngongole galimoto analengedwa mu Chipinda Cowonetsera, inu zambiri anapereka mautumiki a mabanki angapo ndi zikhalidwe zake, mawu ndi chiwongola dzanja. Kodi ndisankhe? Sitiyenera kuthamangira nkhani iyi, ndi kuti ayanjane ndi ziganizo ochepa. Choyamba muyenera kutsatira banki, amene chikalata malipiro. kwa makasitomala amafuna kuti ndinu ololera ndithu. Ife basi ayenera kuphunzira zonse za ngongole galimoto.

Kugwiritsa ntchito yabwino kwambiri galimoto ngongole popanda chiwongoladzanja, koma zimenezi si. Kupereka galimoto n'chotheka pansi pa mphoto. Ngakhale ngati mgwirizanowo si kuchuluka kwa ntchito adzakhala masamu ntchito refinancing.

ngongole yabwino

Kopindulitsa kwambiri galimoto ngongole - amene ali zinthu zotsatirazi ntchito:

• otsika kuchuluka kwa nthawi zonse malipiro;
• ankafunika kupereka pasipoti ndi chikalata lachiwiri;
• palibe malipiro;
• Simufunikanso kupereka bwino 2-DZENJE;
• CASCO Sikuti kulembetsa;
• Aliyense mbiri Ngongole;
• kusintha mawu.

Opindulitsa galimoto ngongole popanda malipiro, koma ayenera kupeza banki ndi zinthu zimenezi. Ngakhale kuti pali mitengo mwina apamwamba chidwi.

thandizo boma

Car ngongole pa mawu yabwino angathe kumwedwa mu mabanki osiyana. boma ndi kutengapo mbali. Pofuna kuthandiza pulogalamu galimoto ngongole anali analenga ziziyenda. Ofotokoza boma ndi mabanki kuti ntchito ndi ntchito deta. Ndalama ntchito kulipira gawo la ngongole, kuti makasitomala ndi mitengo m'munsi. Mbali yapadera ya ngongole galimoto zotsatirazi:

• inu mukhoza kugula magalimoto, misa zomwe si upambana tonnes 3.5;
• poyamba gawo - 20%;
• mlingo - zosaposa 2/3 ya mlingo Bank Central.

Malipiro: ubwino ndi kuipa

More wofunika galimoto ngongole popanda malipiro. Iwo osati Mzimuyo kuchuluka kuti overpaid, koma ndalama. Ngati inu munapanga malipiro oyamba, chifukwa otsala kuchuluka kwa overpayment adzakhala yaing'ono. The yabwino kwambiri galimoto ngongole ndi ndalama koyamba ndi za 10-30% kuchuluka ngongole.

Ubwino wa utumiki popanda malipiro kwagona kuti galimoto angathe kupeza nthawi yomweyo, popanda pakuika ndalama zake. Koma ngati overpayment ndi malipiro adzakhala mkulu, m'pofunika kuwerengera kuthekera kwa malipiro. Iwo m'pofunika kugwiritsa ntchito ulamuliro kutsimikiziridwa: zosoŵa zonse m'banjamo kukhala mozungulira 60% ya malipiro a. Ngati si, si ofunika chiopsezo.

Kodi kupeza yabwino galimoto ngongole popanda malipiro? zithandizozi kwa makasitomala ntchito mwa "HoumKredite", "AyManiBanke", "Loco Bank". Kupulumutsa pa malipiro chidwi ayenera kukhala osachepera 20% wa mtengo zoyendera. M'pofunikanso kugula MTPL ndi CASCO.

NKHANI galimoto ngongole popanda chisoti

The yabwino kwambiri galimoto ngongole ndi chikalata popanda chisoti. Ngakhale kuti ndalama mtengo kwambiri, koma pali mbuna. Ngakhale ndi ubwino mphindi zoipa yaitali:

• anthu ambiri;
• chigawo choyamba ndi opondapo;
• Ena mabanki - alipire oyambirira;
• pamene ngozi adzayenera kukonza galimoto ndalama zawo, komanso azilipira chipani ena;
• sangathe kugula galimoto mtunda.

Kodi kupeza yabwino galimoto ngongole popanda chisoti? Malipiro kuti "UniCredit Bank", "Tatfondbank", "Rosbank", "Mawu Europe Bank". Kuti apereke ngongole kapena ayi - aliyense kudzisankhira yekha. Tikumbukenso overpayment, amene adzakhala opanda opereka inshuwalansi. Komanso ayenera kukhala bwino ndi mokoma zonse kudzakuthandizani angakonze abwino galimoto ngongole. chidwi opindulitsa pafupifupi nthawi zonse kungathandize kwambiri.

mbiri ngongole

Nthawi zambiri, mabanki apereke kusankha zoipa makonzedwe a ndalama kwa ogulidwa ndi makina omwe chifukwa cha zoipa ngongole mbiri. Koma n'zotheka zabwino yodalirika ukuwonjezeka galimoto ngongole kwambiri. Komanso ofunika ogula. Ngakhale ngati wobwereka mu nthawi ino okonzeka kutenga njira udindo alipire ngongole, monga momwe anali kuyembekezera, osati onse mabanki okonzeka kugwirizana naye. Koma pali ena.

Ena ngakhale kuganizira zoipa ngongole mbiri. Only ndiye kudzakhala otsika chidwi, mawu kusintha. Mungafunike kupereka ina umboni. Kawirikawiri ngongole galimotoyo inakhazikitsa ndi zinthu zotsatirazi:

• anthu ambiri;
• Kuchepetsa mtengo pazipita galimoto,
• yochepa ngongole.

nthawi zambiri galimoto mu mawonekedwe a ina kubanki. Obwereketsa amafuna makonzedwe a zinthu zina zimene zimagwiritsidwa wofanana ndi makina mtengo. Pamafunika mawu ndalama, ndi buku la ntchito, malipiro koyamba. chisankho kuti apereke ngongole ndi zoipa ngongole mbiri akutengedwa payekha, kutenga mauthenga nkhani kasitomala.

Car ngongole kapena ngongole ogula?

Ndi kupeza makina pali funso: "Kodi ndi zopindulitsa zambiri - magalimoto ngongole kapena ngongole ogula" Kuti tiyankhe funso limeneli, muyenera kuwerenga mawu a misonkhano onse. Iwo amasiyana mawu, chidwi, ndalama mopepuka.

Car ngongole ndi pakafukufuku - 10-17%. Ichi ndi chifukwa chakuti mu nkhani iyi, magombe chiopsezo ndi zochepa chifukwa galimoto kwake mawonekedwe a ina kwa nthawi yonse crediting. Koma galimoto ngongole pali zolakwa zambiri. Makasitomala muyenera kulipira malipiro apamwamba pansi kugula CASCO kupereka ina.

Ogula ngongole n'kopindulitsa pa zifukwa zotsatirazi:

• n'zotheka kugula galimoto kuchokera kwa munthu payekha, ndiyeno inu angapulumutse;
• Si lamulo kuti kunja inshuwalansi;
• mukhoza prepay popanda chilango.

Kodi yopindulitsa kwambiri - magalimoto ngongole kapena ngongole ogula, izo ziri kwa kasitomala. Ndipotu awiri ntchito banki ndi pluses awo ndi minuses. M'pofunika kudalira ndalama munthu, maturities ndi zinthu zina.

Kusankha wokongola kutsatsa

Ngati n'koyenera, kupulumutsa pa kugula makina ayenera n'komwe ena mokoma lapansi. Mabanki ndi zambiri maganizo, lomwe mukhoza kusankha yabwino kwambiri galimoto ngongole. Iwo m'pofunika kuti agwiritse ntchito pulogalamu boma. Mwachitsanzo, ngati muli ndi galimoto wamkulu kuposa zaka 10, akhoza kuyika mu yobwezeretsanso. Iwo amapereka ufulu kulandira satifiketi, chimene kuchotsera pa kugula galimoto latsopano.

Low kuchuluka zikupezeka Bank ndalama, "VTB 24" ndi mabungwe ena kuti akugwira nawo pulogalamu subsidy boma. Kasitomala ali ndi ufulu wosankha pa Russian kapena yachilendo galimoto msonkhano umene opangidwa ku Russia.

Kuwonjezera chidwi, m'pofunika kulabadira zinthu zina ngongole zimene zimakhudza kuchuluka kwa kugula. Mu zina mabungwe, pali amalipiritsa ntchito ndi alipire oyambirira ngongole. mapulogalamu ambiri amafuna inshuwalansi m'gulu bwenzi banki, umene iye kulipira, nayenso.

Iwo m'pofunika kuti tione maganizo a mabanki angapo. Muyenera choyamba kuwerengera ndalama za malipiro mwezi, ngongole mawu. Pokhapokha ngati pempholo amakhutitsidwa kwathunthu, mukhoza tisankhepo. M'pofunika kuphunzira kusankha ngongole bwino kwambiri. Childs, overpayment ndi zosakwana ngati zambiri ndi gombe, osati mu kanyumba.

M'pofunika kulongosola mwatsatanetsatane monga kukula kwa chigawo choyamba, n'zotheka alipire oyambirira ngongole. Ena mabanki mlandu amalipiritsa kwa yokonza ngongoleyo, kutsegula akaunti. Mfundozi m'pofunika kuzindikira chonse cha mgwirizano.

ntchito ziwongola dzanja zaogulitsa

ndi ngongole amagulitsa ndikugula kapena intermediaries makampani ntchito ndalama. Ngakhale kuti anthu ambiri safuna kutsatira umenewu katswiri. Ndipo zifukwa zomveka. Ndipotu iye adzasankha, kupereka kwambiri mwa anthu amene. Ubwino ntchito ndi wogula ali motere:

• anasankha zochokera zofuna za pulogalamu kasitomala;
• pali kufufuza pulogalamu opindulitsa pa nthawi yochepa kapena yaitali;
• Mukhoza kugwiritsa ntchito pang'onopang'ono chidwi-free;
• kasitomala si chofunika paokha kuchita zolembedwa kukonzedwa
• Katswiri limalangiza makasitomala pa nkhani zamalamulo.

ntchito ziwongola dzanja zaogulitsa amalipidwa pambuyo disbursement. Kasitomala ali ndi mwayi ndalama zankhaninkhani, monga pulogalamu opindulitsa amusankha. Ndi kugwirizana ndi wogula pa ntchito kawirikawiri anapereka zochita zabwino.

Amene anakana kulandira yabwino galimoto ngongole?

Pali zinthu pamene anakana yabwino galimoto ngongole:

• ngati inu mulibe ndalama zokwanira kulumikiza pulogalamu yochepa;
• Machine anapanga zaka zoposa 10 zapitazo;
• galimoto zoweta anapangidwa zaka zoposa 5 zapitazo;
• galimoto mtengo wotsika;
• CASCO sakhala;
• kasitomala sasiya galimoto monga ina.

Ngati mukufuna kugula ntchito kapena galimoto zotsika mtengo, ndi bwino kusankha ogula ngongole. Izi kwambiri kupulumutsa inu ndi kupanga angapo ntchito zina. Ngati mukupita kukagula galimoto latsopano, changwiro galimoto ngongole.