Ngongole yamagalimoto: mtengo, nthawi, kufananiza

Ngongole yamagalimoto imakulolani kuti mupeze ndalama zogulira galimoto yatsopano kapena yogwiritsidwa ntchito. Iyi ndi ngongole ya ogula yomwe imatha kufika ma euro 75. Kukula kwake, nthawi yake komanso mtengo wake zimatengera luso lanu lobwereka komanso momwe mumatha kulipira. Ndikofunika kufananiza ngongole zamagalimoto bwino kuti mupeze zosangalatsa kwambiri.

💰 Ngongole zamagalimoto: zimagwira ntchito bwanji?

Monga momwe dzinali likusonyezera, Ngongole yamagalimoto ndi ngongole yopezera ndalama zagalimoto. Itha kukhala yatsopano kapena kugwiritsidwa ntchito. Pali mitundu iwiri ya ngongole zamagalimoto:

• Le Ngongole yaumwini : Iyi ndi ngongole ya ogula, kuchuluka kwake komwe kungagwiritsidwe ntchito mwakufuna kwanu. Mtengo umayikidwa mwaufulu ndi bungwe la ngongole.
• Le ngongole yokhudzidwa : Uwu ndi mtundu wina wa ngongole ya ogula, nthawi ino yomwe inakonzedwa, ndiye kuti, yoperekedwa kwa kugula kwapadera, pamenepa pagalimoto.

Ngongole iliyonse yamagalimoto yomwe mungasankhe, ndi ngongole ya ogula. Iwo akhoza kufika pa chiwerengero chachikulu 75 000 € ndipo muli ndi ufulu wochoka pasanathe masiku 14 kuchokera tsiku lomwe mudasaina contract.

Kubweza ngongole zaumwini kumayamba pambuyo pa nthawi yochotsa komanso mukakhala ndi ngongoleyo.

Mukatenga ngongole yagalimoto, ngati kugulitsako kuthetsedwa, mgwirizano wa ngongole sunaperekedwe popanda mtengo kwa inu. Mumayamba kubweza ngongole yagalimoto kuyambira pomwe mukubweza galimotoyo.

Momwemonso, ngati simungathe kupeza ngongole yagalimoto, kugulitsa galimotoyo kumawonedwa ngati kopanda pake.

Ngongole yamagalimoto, kaya ndi ngongole yaumwini kapena ngongole yosinthidwa, imakhala ndi zinthu zofanana ndi ngongole ina iliyonse:

• Mmodzi Kutalika, yomwe ndi kubweza ngongoleyo ndipo imakhala ndi gawo lalikulu pakuwerengera ndalama zomwe mumalipira pamwezi;
• Un chopereka chaumwini zotheka;
• Un liwiro mwachiwongoladzanja, chomwe chimaphatikizapo chiwongoladzanja pa ngongole, komanso inshuwalansi;
• Mmodzi Chitsimikizondendende zomwe sizili zokakamizika ndi lamulo, koma kwenikweni zimafunidwa mwadongosolo ndi mabungwe angongole;
• kuchokera Zolipira pamwezi, kapena ndalama zomwe muyenera kulipira mwezi uliwonse ndi zomwe sizingadutse gawo limodzi mwa magawo atatu a ndalama zanu (izi zimatchedwa kubwereka);
• Un mtengo wonse, zomwe zimasonyeza kuti ngongoleyo ili yotani kwa inu, ndiko kuti, ndalama zobwereka zomwe muyenera kulipira, komanso chiwongoladzanja.

Kumbukirani kuti mtengo wonse wangongole yamagalimoto nthawi zonse umakhala wochuluka kuposa ndalama zomwe wabwereka. Chifukwa kumapeto kwa nthawi yobwereketsa, simuyenera kulipira likululi, komanso chiwongola dzanja chake, inshuwaransi ndipo, pomaliza, ndalama zoyendetsera.

📅 Ngongole yamagalimoto: nthawi yayitali bwanji?

Nthawi yovomerezeka ya ngongole ya galimoto imasiyana. Zimatengera malo obwereketsa, komanso mlandu wanu komanso kuthekera kwanu kobwereka ndalama. Komabe, nthawi yochepera ya ngongole yomwe yakhudzidwa ndi miyezi itatu. Pogula galimoto yatsopano, sichitha kupitirira 84 Miyezimotsutsa 72 kwa galimoto yogwiritsidwa ntchito.

Pa avareji, ngongole yagalimoto imakhalapo Zaka 5... Koma ngongole ikafupikitsa, imakhala yotsika mtengo: inde, ngongole yayitali imafunikira chiwongola dzanja chochulukirapo komanso kulipira pamwezi. Komabe, ngongole yayifupi yamagalimoto imakhala ndi malipiro apamwamba pamwezi chifukwa kubweza ngongole sikufalikira pakapita nthawi.

Mwachidule, nthawi ya ngongole yagalimoto yanu iyenera kukonzedwa kuti igwirizane ndi bajeti yanu. Anu chiŵerengero cha ngongole asapitirire 33%Izi zikutanthauza kuti simungagwiritse ntchito ndalama zopitirira gawo limodzi mwa magawo atatu a ndalama zomwe mumapeza pamwezi kulipira ngongoleyo.

Choncho, m'pofunika kuchita basi kayeseleledwe ka kumtunda ngongole. Simudzaphatikiza ndalama zanu zokha, komanso ndalama zanu, kuphatikiza ngongole zina zomwe mungakhale nazo kale (monga ngongole yanyumba). Kuchokera kumeneko mudzalandira anu kubwereka, ndiko kuti, ndalama zomwe mungayembekezere kubwereka ndi chiŵerengero cha malipiro anu pamwezi.

📍 Kodi ndingapeze kuti ngongole yamagalimoto?

Kutengera mtundu wangongole womwe mwasankha, muli ndi njira zitatu zopezera ngongole yamagalimoto:

• Bank kapena bungwe la ngongole ;
• Kampani ya Inshuwaransi ;
• Un wogulitsa.

Ngati mungaganize zangongole yomwe yakhudzidwa, mudzakhala ndi mwayi wopeza chimodzi mwazinthu izi. Mabanki ambiri amapereka ngongole zamagalimoto, monganso makampani akuluakulu a inshuwaransi monga MAAF kapena MACIF. Pomaliza, mutha kutenga ngongole yagalimoto pamalo omwe mwagula, pamalo ogulitsa magalimoto.

Mukasankha ngongole yanu, muyenera kulumikizana ndi banki kapena mabungwe angongole. Mulimonsemo, tikukulangizani kuti muchite kayeseleledwe ka ngongole yamagalimoto kuti mupeze mtengo wabwino kwambiri. Zowonadi, izi zimasiyana kwambiri kuchokera ku mabungwe osiyanasiyana.

Ndipo ngakhale kusiyana pang'ono pa chiwongoladzanja chomwe chimagwiritsidwa ntchito pa nthawi ya ngongole ya galimoto yanu kungakhudze kwambiri mtengo wonse wa ngongole yanu!

🔍 Ngongole yamagalimoto: kubanki kapena wobwereketsa?

Njira yodziwika kwambiri yobwereketsa galimoto ndi kupereka ngongole. Mutha kumaliza mgwirizano ku banki kapena mwachindunji wogulitsa kwa amene mumagula galimoto yanu yatsopano. Wogulitsayo amakhala ngati mkhalapakati ndipo ngongoleyo idzaperekedwa kwa iye ndi banki ikabweretsa galimotoyo.

Choncho ubwino ndi wakuti mulibe palibe masitepe owonjezera kupanga. Wopereka chilolezo angaperekenso njira zopindulitsa. Pomaliza, kudzakhala kosavuta kwa inu kukambirana kugula galimoto yanu.

Komabe, ngongole ya galimoto yomwe imatengedwa mwachindunji kuchokera kwa wogulitsa sikuti nthawi zonse imakhala yosangalatsa kwambiri pamtengo. Kawirikawiri, mumalipira ngongole ya galimoto zosakhalitsa amadutsa банк.

Chifukwa chake, upangiri wathu mukafuna ngongole zotsika mtengo zamagalimoto ndikuyesa kuyerekezera. Mukhozanso kupita woyerekeza ngongole yagalimoto pezani ngongole yopindulitsa kwambiri kwa inu. Musaiwale kufananizanso inshuwaransi.

Zoonadi, ngati sizili zomangirira mwalamulotsimikizirani ngongole yanu, mabanki nthawi zambiri amakana ngongole popanda inshuwalansi. Izi zidzakutetezani inu ndi opindula anu ngati mukupeza kuti simungathe kubweza ngongole ya galimoto (kutaya ntchito, kulumala, imfa, ndi zina zotero). Inshuwaransi idzakulipirani ngongoleyo.

📝 Kodi mungapeze bwanji ngongole yamagalimoto?

Kuti mupeze ngongole yagalimoto, choyamba ndikufunsira kufananiza ma ratings ndi kutengera luso lanu lobwereka. Mudzafunika kusankha malo obwereketsa pamlingo wabwino kwambiri ndikusinthira fayilo yanu mwamakonda.

Izi zikuphatikizanso zolemba zingapo zothandizira:

• Kuzindikira : chikalata, umboni wa adilesi;
• Umboni wa ndalama : malipiro atatu omalizira, RIB, etc.;
• Chitsimikizo cha ngongole : fomu yoyitanitsa galimoto yatsopano.

Gawo lomalizali ndilosafunika ngati mutasankha kugwiritsa ntchito ngongole yanu osati ngongole yomwe yakhudzidwa. Fayiloyi imagwiritsidwa ntchito kuteteza kubwereketsa kwanu ndi banki potsimikizira kubweza kwanu.

Ndi nkhani yongoyang'ana ndalama zomwe mumapeza, ndalama zomwe mumawononga komanso kupereka ngongole yogwirizana ndi zomwe muli nazo. Chifukwa chake, banki ikhoza kukufunsani zolemba zina. Dziwani kuti mutha kufunsa broker kuti akuthandizeni kufananiza mitengo kuchokera kumabungwe osiyanasiyana obwereketsa, komanso kuti atha kukuthandizani kupanga fayilo.

Pamene bungwe la ngongole likuwunika mlandu wanu ndi solvency, akuvomereza kapena kukana pempho lanu la ngongole ya galimoto. Ngati alandiridwa, adzakupatsani kupereka ngongolet, zomwe zikuphatikizapo kukhwima kwa ngongole, kuchuluka kwake ndi Mtengo wapachaka wamitengo (APR).

Ngati mukukana, mutha kupempha ku banki ina. Kugulitsa galimoto kumathetsedwa popanda chilango.

Ngati muvomera ndikusayina, mudzakhala ndi nthawi yoganizira za masiku 14 mutasaina. Mutha kufupikitsa nthawiyi polumikizana ndi wogulitsa magalimoto polemba.

⏱️ Ngongole zamagalimoto: kukhala ndi ndalama mpaka liti?

Nthawi yomwe imatengera kutulutsa ndalama mutapeza ngongole yagalimoto imasiyanasiyana. Zimatengera kuchuluka kwake, koma makamaka pa wobwereketsa. Nthawi zambiri ndalama zimalipidwa otya 1 semaines et al. 2 atasaina ngongole.

Nthawi yochepa yotulutsa ndalama ndi Masiku a 7... Koma popeza nthawi yochotsa ndi masiku 14, mabungwe ambiri angongole amakonda kudikirira mpaka itamalizidwa asanabweze ngongole yagalimoto.

Koma musachite mantha: ndi ngongole yowonongeka, simungayambe kubweza ngongoleyo mpaka katunduyo atafika. Palibe malipiro omwe angafunikire mpaka ngongole itasainidwa ndipo nthawi yochotsa ikatha, ngakhale mungapemphedwe kuti mupange deposit potuluka. Zidzabwezedwa kwa inu ngati ngongole ikakanidwa kapena ngati mwaletsa kugulitsa.

Kwa ngongole yaumwini, kubweza sikungafunike mpaka kutha kwa nthawi yochotsa ndi kutulutsidwa kwa ndalama. Kotero mulibe chodetsa nkhawa!

Ndizo zonse, mukudziwa chilichonse chokhudza ngongole zamagalimoto! Monga momwe mwazindikira pano, ndikofunikira kufananiza mitengo mosamala kuti mupeze ngongole yabwino kwambiri yamagalimoto. Konzekerani bwino fayilo kuti mutsimikizire kuti mumatha kulipira, makamaka popeza mafayilo abwino kwambiri ndi omwe amabwerekedwa bwino.