Car pawnshop yotetezedwa ndi PTS: kuwunika kwathu kwa ntchitoyi

Ngati mukufuna ndalama mwachangu, mutha kuzipeza m'njira zosiyanasiyana. Masiku ano ku Moscow ndi mizinda ina ya ku Russia pali ma pawnshops ambiri komwe mungapeze ngongole yotetezedwa ndi zinthu zosiyanasiyana - zipangizo zapakhomo, zodzikongoletsera, mafoni a m'manja. Koma ngati mukufuna kuchuluka kokwanira - mpaka miliyoni kapena kuposerapo, mutha kugwiritsa ntchito ntchito zapa pawnshop yamagalimoto poyendetsa galimoto yanu.

Chonde dziwani kuti ma pawnshops ambiri amapereka ngongole yandalama yotetezedwa ndi mutu. Ubwino pankhaniyi ndi woonekeratu: mumapeza ndalamazo m'manja mwanu, mukugwiritsa ntchito galimoto, monga kale. Kodi ndizopindulitsa? Tiyeni tiyese kuthana ndi nkhaniyi pa autoportal yathu ya oyendetsa Vodi.su.

Zinthu

Chifukwa chake, ngati mukufuna ndalama mwachangu, koma simukufuna kusiya galimotoyo, mutha kusaina pangano ndi pawnshop kwa mwezi umodzi mpaka zaka ziwiri ndikuyika manja anu pamtengo womwe ungakhale 40-50. peresenti yotsika kuposa mtengo weniweni wamsika wa galimoto yanu.

Kodi mungapindule bwanji ndi mwayiwu?

Choyamba, muyenera kupeza auto pawnshop - izi siziyenera kukhala vuto: lowetsani pempho loyenera mu Google kapena Yandex ndipo maulalo ambiri adzatsegulidwa patsogolo panu.

Mikhalidwe ili pafupifupi mofanana kulikonse:

• itanani oyang'anira bungwe, kapena lembani fomu yokhazikika patsamba;
• onetsani deta ya galimoto yanu - chitsanzo, mtundu, chaka cha kupanga, mtunda, kukula kwa injini, ndi zina zotero;
• Mudziwitsidwa za kuchuluka kwake komanso chiwongola dzanja pasadakhale;
• mumabwera ku adilesi yomwe mwatchulidwa kapena amabwera kwa inu, kuyesa galimotoyo, kupita ku pawnshop limodzi, kusaina mgwirizano ndikupeza ndalama m'manja mwanu.

Chilichonse ndi chosavuta komanso chosavuta, koma izi ndizongoyang'ana koyamba.

Yang'anitsitsani zomwe zili mu mgwirizanowu ndipo muwona zotsatirazi:

• Palibe amene adzakulipirani ndalama zenizeni za galimotoyo. Ngati mugwiritsa ntchito "Ngongole yotetezedwa ndi TCP", ndiye kuti kuchuluka komwe mudzalandira ndi 50-60 peresenti ya mtengo;
• chiwongola dzanja ndi chokwera kwambiri - 6-15 peresenti pamwezi. M'mapawnshops ena, amalemba makamaka masana - 0,3-0,5 peresenti patsiku. Ngati mutenga ngongole kwa nthawi yayitali, ndiye kuti mlingowo ukhoza kuchepetsedwa kufika pa 0,2 (6% pamwezi ndiye mtengo wotsika kwambiri womwe tingapeze);
• savomereza magalimoto aliwonse, koma okhawo omwe, ngati salipidwa, adzatha kugulitsa, ndiko kuti, magalimoto apanyumba osaposa zaka 5-8, magalimoto akunja osapitirira zaka 10.

Zikuwonekeratu kuti ndizomveka kugwiritsa ntchito zopereka zoterezi pokhapokha ngati ndalama zikufunika kwambiri, ndipo m'madera ena sakupatsani. Tengani calculator ndikuwerengera (chiwongoladzanja chimawerengedwa m'njira yakuti nthawi yomwe mumabwereka ikhale yochepa kwambiri) - 6 peresenti pachaka, kubwezeredwa ndi 72%, kumaganiziridwa kuti ndi bwino, komabe zambiri. .

Mwa njira, zomwe zili m'mabanki ndizokhulupirika kwambiri, ndipo amaperekanso ngongole yotetezedwa ndi TCP:

• Ngongole ya Renaissance - 28% pachaka;
• Moscow Ngongole Bank - 25;
• BystroBank - 30-35;
• Bank of Moscow - 19,5-25.

Zowona, mu banki yotetezedwa ndi TCP, angafunikire inshuwaransi ya CASCO, chifukwa akufuna kutsimikiza kuti pakachitika ngozi, kasitomala adzatha kulipira udindo wake. Komanso, mabanki ali ndi njira yovuta kwambiri yopezera ngongole. Ngati pawnshop yamagalimoto idzakupatsani ndalama zenizeni mu ola limodzi, osafuna ziphaso zowonjezera ndi zikalata, ndiye kuti ogwira ntchito ku banki adzakufunsani kuti mubweretse kalata yochokera kuntchito yokhudzana ndi malipiro, chilolezo cha achibale / mkazi / mkazi. Ndipo ngakhale pamikhalidwe yotereyi, zingawatengere mpaka masiku atatu kuti apange chisankho.

Koma banki ili ndi kuphatikiza kwina kosatsutsika - simudzalandira 50-60 peresenti, koma 70-90% m'manja mwanu.

Choncho, zili ndi inu kusankha chomwe chili chopindulitsa kwambiri.

Zolemba ndi kulembetsa

Ngati zinthu zikugwirizana ndi inu ndipo mukufuna kulandira ndalama ku pawnshop, muyenera kupereka zikalata zotsatirazi:

• pasipoti yanu;
• chiphaso china chilichonse - chiphaso choyendetsa, ID ya usilikali, chizindikiritso, penshoni, inshuwaransi yokakamiza yachipatala;
• satifiketi yolembetsa - PTS (imakhalabe pawnshop);
• satifiketi yolembetsa galimoto.

Pankhaniyi, zaka zanu ziyenera kukhala zaka 20-65, ndipo galimotoyo imalembedwa m'dzina lanu. Ngati munabweretsa galimoto kuchokera kunja, ndiye kuti ayenera kudutsa chilolezo cha kasitomu mogwirizana ndi lamulo.

Mukalandira ndalama zonse m'manja mwanu, zomwe muyenera kuchita ndikuyika ndalama pafupipafupi mkati mwa nthawi yomwe mwatchulidwa. Tiyenera kukumbukira kuti ma pawnshops ambiri amachitira makasitomala mokhulupirika kuposa mabanki. Mwachitsanzo, inu pawned galimoto yanu kwa miyezi isanu ndi umodzi, analandira 500 zikwi m'manja mwanu. Kuwerengera kosavuta kukuwonetsa kuti kubweza kudzakhala pafupifupi 150-200 zikwi, ndiko kuti, pawnshop iyenera kubweza 700 zikwi. Ngati simungathe kupirira ndipo simungathe kulipira chiwongoladzanja chimodzi mwa mweziwo, ndiye kuti adzakumana nanu ndikuwonjezera nthawi yobwereketsa kwa miyezi ingapo, ndipo kuchuluka kwa kubweza kudzawonjezeka moyenerera.

Chabwino, ngati kusintha kwakukulu kukuchitika m'moyo wanu ndipo mutaya mphamvu yanu yolipira, ndiye kuti galimotoyo idzalandidwa, idzagulitsidwa, ndipo kusiyana kwake kudzabwezeredwa kwa inu. Kwenikweni, m'mapawnshops ambiri, makasitomala amapatsidwa mwayi woganiza ngati adzabwezera ndalamazo, kapena kukhutitsidwa ndi theka la mtengo, koma nthawi yomweyo galimotoyo idzakhala katundu wa pawnshop.

anapezazo

Chifukwa chake, mwachidule zonse zomwe tafotokozazi, titha kutchula zabwino zopezera ngongole pa pawnshop yotetezedwa ndi Mutu:

• liwiro - chigamulocho chimapangidwa mu ola limodzi;
• palibe chifukwa chobweretsa zikalata zambiri ndi ziphaso;
• mu pawnshop sangamvetsere malo anu okhala komanso kuchuluka kwa ndalama.

Zowonadi, banki ikhoza kukana ngongole kwa anthu omwe amapeza ndalama zochepa kapena omwe amalembetsa kumadera komwe kulibe nthambi zamabanki.

Koma zovuta zake ndizofunikanso mu pawnshop:

• amavomereza magalimoto othamanga okha omwe angathe kugulitsidwa popanda mavuto;
• perekani 50-60% yokha ya mtengo;
• chiwongola dzanja chokwera.

Pambuyo posanthula deta yonseyi, timapeza kuti pawnshop ndi yopindulitsa pokhapokha ngati ngongole ikutengedwa kwa nthawi yochepa - mwezi umodzi kapena iwiri, muli ndi chidaliro chonse kuti mukhoza kubwezera ndalamazo panthawi yake.

Ngati simudzagulanso TCP, ndiye kuti ndizopindulitsa kwambiri kugulitsa galimoto yanu kudzera mu malonda - mudzalandira ndalama zonse, osati 50-60%.

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