Ngongole yamagalimoto popanda kulipira ku Moscow

Mumzinda waukulu ngati Moscow, zimakhala zovuta kuchita popanda galimoto yanu, makamaka ngati ndinu munthu wokangalika ndipo muyenera kukhala pa nthawi ya misonkhano ndi kuyenda pa ntchito tsiku lililonse.

Galimoto ndi yodziyimira pawokha pamayendedwe apagulu komanso ndalama zambiri, chifukwa ngati muphatikiza ndalama zonse zolipirira maulendo a metro ndi ma minibus, ndiye chifukwa chake, mwezi umodzi umakhala wochuluka kwambiri.

Kugula galimoto pa ngongole masiku ano sikovuta monga kale. Mabanki amapita kukakumana ndi makasitomala ndikupereka mapulogalamu osiyanasiyana obwereketsa. Pa Vodi.su, talemba kale zambiri za chiwongoladzanja m'mabanki osiyanasiyana, ndipo m'nkhaniyi tiyesa kuganizira za kugula galimoto pa ngongole popanda malipiro ku Moscow.

Ngongole yamagalimoto popanda kulipira ku Moscow

Ambiri aife timafunikira galimoto ngati mpweya, koma timakanidwa kuchokera ku mapulogalamu obwereketsa wamba chifukwa chofuna kubweza, zomwe nthawi zambiri zimachokera ku 10-15 peresenti ya mtengo wake. Ngati muyang'ana, ndiye kuti ndalamazo ndizochepa, mwachitsanzo, ngati mutagula "Renault Duster" kwa 600 zikwi, ndiye 15 peresenti ndi 90 zikwi za rubles. Ambiri alibe chipiriro kuti atenge ndalamazi ndipo ali okonzeka kuitanitsa ngongole ya galimoto popanda malipiro.

Kodi muyenera kukumbukira chiyani mutasankha njira imeneyi?

1. Choyamba, banki pankhaniyi imatenga zoopsa, motero imayika zofunika kwambiri.
2. Kachiwiri, banki ingafunike kuti galimotoyo ikhale ndi inshuwaransi osati pansi pa OSAGO, komanso pansi pa CASCO yonse, ndiko kuti, "kuba" ndi "kuwonongeka".
3. Chachitatu, galimotoyo imakhala ngati chikole, kotero mutuwo umakhalabe ku banki kapena ku salon komwe mudagula galimotoyo.

Ndikofunikiranso kumvetsetsa bwino kusiyana pakati pa mapulogalamu a ngongole zamagalimoto popanda kubweza ndi kubwereketsa ngongole. Zotsirizirazi nthawi zambiri zimaperekedwa ngati ngongole zamagalimoto, koma kwenikweni izi ndi ngongole zandalama wamba zomwe zimaperekedwa pa chiwongola dzanja chambiri ndipo zimafunikira inshuwaransi yokakamiza kuchokera kwa wobwereka, ngakhale simuyenera kutsimikizira galimoto pansi pa CASCO.

Mabanki komwe mungapeze ngongole yamagalimoto popanda kulipira

Pali mabanki ambiri otere. Tiyeni tikambirane zina mwa izo.

Malingaliro a kampani Raiffeisen Bank amapereka ngongole popanda malipiro.

Zinthu:

• mpaka miyezi 60;
• kuchuluka kwakukulu ndi ma ruble miliyoni imodzi;
• mlingo - 19,9% pachaka;
• Mokakamiza CASCO, inshuwaransi yaumwini siyofunika.

Mutha kulembetsa ngongoleyi pogwiritsa ntchito zikalata ziwiri: pasipoti ndi chikalata china chilichonse chotsimikizira kuti ndinu ndani.

Wobwereka ayenera kukhala ndi ndalama zokhazikika (kuchokera ku 15 zikwi ku Moscow ndi St. Petersburg kapena kuchokera ku 10 zikwi m'madera), pamene mlingo wa ndalamazi suyenera kutsimikiziridwa, guarantors akhoza kuphatikizidwa, ngakhale kuti lamuloli silili. mokakamizidwa.

Ngati ndinu mwini wa bizinesi yachinsinsi kapena wachibale wanu wapamtima ndi mmodzi, ndipo chaka chapitacho mungathe kupereka ndalama za kampani ndi chizindikiro cha msonkho, ndiye kuti ngongoleyo ikhoza kuwonjezeka kufika ku ma ruble 2,5 miliyoni.

Pulogalamuyi imagwiranso ntchito kwa mitundu ina: Chevrolet Aveo, Lacetti, Cobalt, Opel Astra, Hyundai i30 kapena i40.

Pafupifupi pulogalamu yomweyi imapereka Mosuralbank. Kusiyana kokha ndiko kuti muyenera kupereka buku lovomerezeka la bukhu lantchito ndi chidziwitso cha miyezi isanu ndi umodzi pazaka zisanu zapitazi, komanso satifiketi ya 2-NDFL, kapena kubweza msonkho.

Ngongole imatha kutengedwa kuchuluka kwa 200 miliyoni mpaka XNUMX miliyoni mpaka zaka zisanu.

Mabetcha:

• nthawi yobwereketsa mpaka miyezi 12. - khumi ndi zisanu%;
• 12-36 - 19%;
• 36-60 - 20%.

Galimotoyo imakhala ngati chikole, choncho onetsetsani kuti mukugula CASCO, ndi pa nkhani ya ngongole ya galimoto popanda kubweza, pafupifupi palibe banki yomwe idzaphatikizepo mtengo wa CASCO mu ndalama za ngongole - Ichi ndi chowonjezera chomwe chapangidwa kuti chitsimikizire kutha kwa wobwereka.

Zinthu zabwino zimaperekedwa kwa Muscovites Novikombank:

• ndalama - mpaka 6 miliyoni;
• nthawi - mpaka zaka zisanu;
• chiwongola dzanja - 13,5-17,5% pachaka.

Koma chisankho chopereka ndalama ndikusamutsira ku akaunti ya kasitomala chingatenge masiku 7, ndipo muyenera kupereka phukusi lalikulu la zikalata, kuphatikizapo kalata yaukwati kapena chisudzulo.

Komanso, wobwereka ayenera kukhala ndi ndalama zokhazikika ndikutsimikizira izi: ntchito, 2-misonkho yaumwini, chilengezo, ndi zina.

Ngongoleyi siinakonzedwe, kotero, ngakhale CASCO, kapena DSAGO, ndipo makamaka VHI, siziyenera kuperekedwa. Malo omwe akugulidwa ndi chikole. Zimaloledwa kukopa guarantors ndi obwereketsa - pankhaniyi, amafunikiranso kutsimikizira ndalama zawo.

Chiwerengero chachikulu cha mapulogalamu a ngongole ogulira galimoto popanda kupereka malipiro ochepa AiMoneyBank:

• Zoyenera;
• Standard popanda CASCO;
• VIP Standard Popanda CASC;
• Wogulitsa.

Koma ndizosangalatsa kuti timabuku tating'ono tikuwonetsa chiwongola dzanja chomwe mungalandire ngati mutapereka ndalama zoyambira.

Mwachitsanzo, mudzalandira 7% pachaka pamene mukupanga 70% prepayment, koma popanda malipiro muyenera kuwerengera 15-24%.

Choncho, akonzi a Vodi.su amalimbikitsa kufufuza mwatsatanetsatane zonse za mgwirizano kuti zisachitike kuti "munagula" chiwerengero cha 7%, ndiyeno muyenera kulipira 24%.

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