LOA galimoto yamagetsi: zomwe muyenera kudziwa musanagule galimoto yamagetsi

Magalimoto amagetsi akadali okwera mtengo kugula, chifukwa chake anthu ambiri a ku France akugwiritsa ntchito magalimoto ena othandizira ndalama monga LLD kapena LOA.

Njira yobwereketsa (LOA) ndikupereka ndalama zomwe zimalola oyendetsa galimoto kubwereketsa galimoto yawo yamagetsi ndi mwayi wogula kapena kubweza galimotoyo kumapeto kwa mgwirizano.

Chifukwa chake, ogula amayenera kulipira pamwezi pa nthawi yomwe yatchulidwa mu lendi, yomwe imatha kuyambira zaka 2 mpaka 5.

 Muyeneranso kudziwa kuti LOA imatengedwa ngati ngongole ya ogula yoperekedwa ndi mabungwe ovomerezeka. Chifukwa chake, muli ndi ufulu wotuluka masiku 14.

75% yamagalimoto atsopano ogulidwa ku LOA

LOA ikukopa anthu ambiri aku France

Mu 2019, magalimoto atsopano atatu mwa anayi adathandizidwa ndi lipoti la pachaka la zochitikaFrench Association of Financial Companies... Poyerekeza ndi 2013, gawo la LOA pothandizira magalimoto atsopano linakwera ndi 13,2%. Pamsika wamagalimoto ogwiritsidwa ntchito, LOA idalipira theka la magalimoto. 

Kubwereketsa ndi mwayi wogula ndi mwayi wandalama womwe a French amakonda chifukwa ndi njira yotetezeka yokhala ndi galimoto yanu motero khalani ndi bajeti yokhazikika.

Oyendetsa galimoto amayamikira ufulu ndi kusinthasintha komwe LOA imapereka: ndi njira yowonjezereka yobwereketsa kumene French angagwiritse ntchito galimoto yatsopano ndi zitsanzo zaposachedwa akadali ndi bajeti yoyendetsedwa. Zowonadi, mutha kuombolanso galimoto yanu kumapeto kwa lendi kapena kuibweza ndipo potero mumasintha galimoto yanu pafupipafupi osakhudzidwa ndi ndalama.

Izi zimakondweretsanso ogula magalimoto amagetsi, omwe amatha kufalitsa mtengo wa galimoto pazigawo zingapo za mwezi uliwonse ndipo motero amayendetsa bajeti yawo mwanzeru.

Chopereka chokhala ndi maubwino ambiri:

LOA ili ndi zabwino zambiri zopezera ndalama zamagalimoto amagetsi:

1. Kuwongolera bwino bajeti yanu : Mtengo wagalimoto yamagetsi ndi wofunikira kwambiri kuposa mnzake wamafuta, kotero LOA imakulolani kuti muwongolere kuchuluka kwa ndalama zanu. Mwanjira iyi, mutha kuyendetsa galimoto yatsopano yamagetsi popanda kulipira mtengo wathunthu nthawi yomweyo. Muyenera kulipira lendi yoyamba nthawi yomweyo, koma imachokera ku 5 mpaka 15% ya mtengo wogulitsa wagalimoto.

2. Mtengo wotsika kwambiri wokonza : Mu mgwirizano wa LOA, muli ndi udindo wokonza, koma imakhalabe yochepa. Popeza galimoto yamagetsi imakhala ndi magawo 75% ochepa kuposa galimoto yamafuta, ndalama zosamalira zimachepetsedwa ndi 25%. Mwanjira imeneyi, kuwonjezera pa lendi yanu ya pamwezi, simudzakhala ndi ndalama zambiri zowonjezera.

3. Ntchito yabwino komabe : LOA imapereka ufulu wogula kapena kubweza galimotoyo kumapeto kwa kubwereketsa. Mutha kugulanso galimoto yanu yamagetsi ndi mwayi wopeza zambiri pogulitsanso pamsika wachiwiri. Ngati mtengo wogulitsiranso galimoto yanu siwoyenera kwa inu, mutha kubwezanso. Ndiye mutha kulowa mu lendi ina ndikusangalala ndi mtundu watsopano, waposachedwa.

Galimoto Yamagetsi ku LOA: Gulani Bwererani Galimoto Yanu

Kodi ndingagulenso bwanji galimoto yanga yamagetsi ku LOA?

 Pamapeto pa nthawi yobwereketsa, mutha kuyambitsa njira yogulira kuti mutenge umwini wagalimoto. Ngati mukufuna kugulanso galimoto yanu yamagetsi mgwirizano usanathe, mudzayenera kulipira ndalama zomwe zatsala pamwezi kuonjezera mtengo wa galimotoyo. Zindapusa zitha kuwonjezedwa pamtengo womwe walipidwa, makamaka ngati mwapyola kuchuluka kwa ma kilomita omwe awonetsedwa mu mgwirizano wanu wobwereketsa.

 Malipiro ayenera kuperekedwa kwa eni nyumba ndipo lendi yanu idzathetsedwa. Eni nyumbayo adzakupatsaninso chiphaso chololeza kuti mutengepo kanthu kuti mutenge galimotoyo, makamaka pankhani ya chikalata cholembetsa.

 Musanasankhe kugula galimoto yamagetsi, muyenera kudziwa ngati iyi ndiyo njira yopindulitsa kwambiri kwa inu.

Kodi muyenera kuyang'ana chiyani musanagule?

Chinthu choyamba kudziwa musanagule galimoto ndi mtengo wake wotsalira, ndiko kuti, mtengo wogulitsidwa. Uku ndi kuyerekezera kopangidwa ndi eni nyumba kapena wogulitsa, nthawi zambiri kutengera momwe chitsanzocho chasungira mtengo wake m'mbuyomo komanso kufunidwa kwachitsanzo chomwe chikugwiritsidwa ntchito.

Kwa galimoto yamagetsi, mtengo wotsalira ndi wovuta kulingalira: magalimoto amagetsi ndi aposachedwa kwambiri ndipo msika wamagalimoto ogwiritsidwa ntchito kwambiri, kotero mbiri yake ndi yochepa. Kuonjezera apo, kudziyimira pawokha kwa zitsanzo zoyamba zamagetsi kunali kochepa kwambiri, zomwe sizilola kufananitsa kwenikweni. 

Kuti musankhe ngati kugula ndi njira yabwino kwa inu, tikukulangizani kuti muyesere kugulitsanso potumiza zotsatsa patsamba lachiwiri ngati Leboncoin. Mutha kufananiza mtengo womwe mungagulitsenso galimoto yanu ndi njira yogulira yoperekedwa ndi wakubwereketsa.

• Ngati mtengo wogulitsa ukhala wokwera kuposa mtengo wogula, mupeza zopindulitsa zambiri pogula galimoto yanu kuti mugulitse pamsika wachiwiri ndikulandila malire.
• Ngati mtengo wogulitsa ndi wotsika kuposa mtengo wogula, ndizomveka kubwezera galimotoyo kwa wobwereketsa.

Kupatula kuyang'ana mtengo wotsalira wa galimoto yanu musanagule, ndikofunikiranso kuyang'ana momwe batire ilili.

Zowonadi, ichi ndi chimodzi mwazinthu zodetsa nkhawa za oyendetsa galimoto akagula galimoto yamagetsi yogwiritsidwa ntchito. Ngati mukufuna kugulanso galimoto yanu pambuyo pa kutha kwa LOA kuti mugulitsenso nthawi ndi nthawi, muyenera kutsimikizira momwe batire ilili kwa ogula.

Gwiritsani ntchito munthu wina wodalirika ngati La Batterie kuti akupatseni satifiketi ya batri... Mutha kudziwa batire lanu pakangotha ​​​​mphindi 5 kuchokera panyumba yanu.

Satifiketiyo ikupatsirani zambiri, makamaka, za SoH (umoyo) wa batri yanu. Ngati batri yanu yamagetsi yamagetsi ili bwino, zingakhale zopindulitsa kuti mugule galimotoyo ndikuyigulitsanso pamsika wogwiritsidwa ntchito chifukwa mudzakhala ndi mkangano wowonjezera. Kumbali ina, ngati mkhalidwe wa batri yanu ndi wosasangalatsa, sikoyenera kugula galimoto, ndi bwino kubwezera kwa wobwereketsa.