Momwe mungapezere ngongole yagalimoto yamagalimoto ogwiritsidwa ntchito

Pamasamba otsatsa aulere kapena m'ma salons a Trade-In, mutha kusankha mosavuta galimoto yabwino yogwiritsidwa ntchito. Mtengo wamtengo pano ndi wotsika kwambiri kuposa magalimoto atsopano.

Gwirizanani kuti ntchito Toyota RAV4 kapena Renault Megane 2008 kwa 350 zikwi ndi zabwino kwambiri. Zowona, galimotoyo ingafunike kukonzanso kwina, koma izi sizilepheretsa eni ake atsopano.

Pa tsamba la Vodi.su, talemba kale zambiri zokhudza mapulogalamu a ngongole kuchokera ku mabanki osiyanasiyana ogula magalimoto atsopano. Tsopano ndikufuna kukhazikika pa nkhani yopezera ngongole ya magalimoto akale.

Msika wachiwiri wamagalimoto ndi chinthu chachilendo, osati kumayiko omwe akutukuka kumene, komanso kwa anthu olemera aku Europe ndi America.

Mapulogalamu a Trade-In akhala akugwira ntchito kumeneko kwa nthawi yayitali kwambiri ndipo palibe vuto pogula kapena kugulitsa magalimoto ogwiritsidwa ntchito.

Migwirizano ya ngongole zamabanki zamagalimoto ogwiritsidwa ntchito

Galimoto yogwiritsidwa ntchito si nkhani yopindulitsa kwambiri kwa mabanki. Zowonadi, mosiyana ndi nyumba pamsika wachiwiri, galimoto yogwiritsidwa ntchito imangotsika mtengo chaka chilichonse. Chifukwa chake, mabanki amakakamizika kuyika zina zowonjezera kuti apindule ndi ngongole zotere.

Chiwongola dzanja cha magalimoto ogwiritsidwa ntchito nthawi zambiri chimakhala chokwera. Ngati pa ngongole ya galimoto ya galimoto yatsopano nthawi zambiri mumalipira 10 mpaka 20 peresenti pachaka, ndiye pa galimoto yogwiritsidwa ntchito, mlingowo ukhoza kufika 30 peresenti.

Kuphatikiza apo, pali zolipiritsa zobisika:

• komiti yotsegula akaunti ya ngongole kubanki;
• ndalama zothandizira akaunti.

Malipiro otsika nawonso ndi okwera: pamagalimoto atsopano, nthawi zambiri amakhala kuchokera ku 10 peresenti, ndi magalimoto akale - 20-30%, mabanki ena angafunike 50%. Nthawi yobwereketsa ikhoza kukhala zaka zisanu.

Timakukumbutsaninso kuti mutha kugula magalimoto pangongole:

• kunyumba - osapitirira zaka zisanu;
• kunja - osapitirira zaka 10.

Chonde dziwani kuti izi sizikugwira ntchito pamagalimoto osowa komanso magalimoto a Premium. Magalimoto okwera mtengo, monga Porsche 911 kapena Ford Mustang Shelby, akhoza kukhala okwera mtengo kwambiri.

Mosalephera, banki idzafuna inshuwaransi ya CASCO, ndipo kuti mupeze, muyenera kukonzekeretsa galimotoyo ndi anti-kuba - izi ndi ndalama zowonjezera.

Mitundu ya ngongole zamagalimoto ogwiritsidwa ntchito

Monga talembera mobwerezabwereza pamasamba a Vodi.su, pali mitundu iwiri ikuluikulu ya ngongole:

• mapulogalamu apadera obwereketsa magalimoto omwe amagwira ntchito pamagalimoto ogwiritsidwa ntchito;
• ogula ngongole zopanda cholinga.

Mabanki ambiri omwe amagwirizana ndi ogulitsa magalimoto amapereka mapulogalamu a Trade-In - munthu amabwereketsa galimoto yakale ndipo amalandira kuchotsera pa yatsopano. Magalimoto onse ogwiritsidwa ntchitowa amagulitsidwa ndipo mutha kuwagula pansi pamikhalidwe yofanana ndi magalimoto atsopano. Mwina simungafunikire kupita ku banki ndikulemba ntchito - zonsezi zidzathetsedwa pomwe pano mu salon.

Kufunsira ngongole yotere, mumabweretsa phukusi la zikalata:

• pasipoti;
• chikalata chachiwiri (pasipoti yakunja, VU, ID yankhondo, satifiketi ya penshoni);
• ndondomeko ya ndalama;
• buku la ntchito ndi chisindikizo "chonyowa".

Ngati mulibe ntchito, mutha kubweretsa chiphaso cha nambala ya msonkho. Muyenera kukhala ndi chidziwitso chosachepera chaka chimodzi pazaka zisanu zapitazi.

Mudzapatsidwa mafunso, ndipo mutadzaza, dikirani chisankho, chingatenge kuyambira theka la ola mpaka masiku awiri kapena atatu.

Ngati mumakonda kubwereketsa ogula, ndiye kuti pasipoti idzakhala yokwanira, ngakhale satifiketi yopeza ndalama idzakhala yowonjezera kwa inu. Ngongole yopanda cholinga ili ndi ubwino wake: simukusowa kupereka CASCO, galimotoyo sichidzaonedwa ngati chikole, mutuwo udzakhalabe m'manja mwanu.

Mapulogalamu obwereketsa galimoto

Mukapita ku tsamba lovomerezeka la pafupifupi banki iliyonse yaku Russia, mutha kupeza mosavuta mawu a ngongole zamagalimoto ogwiritsidwa ntchito. Koma apa takumananso ndi vuto lakale - simupeza zenizeni pamasamba, koma pali zotsatsa zambiri monga "palibe CASCO" kapena "palibe malipiro".

Pano, mwachitsanzo, ndi pulogalamu yochokera ku VTB 24 "Autoexpress yogwiritsidwa ntchito" (popanda CASCO):

• malipiro oyambirira - kuchokera 50 peresenti;
• zaka galimoto - osapitirira zaka 9 pa nthawi yobweza ngongole;
• kokha pa magalimoto opangidwa kunja;
• nthawi ya ngongole mpaka zaka 5;
• mlingo - kuchokera 25 peresenti.

Pulogalamu ina yochokera ku AyMoneyBank (popanda CASCO):

• chiwongola dzanja 10-27% (ngati nthawi yomweyo kusungitsa 75% ya mtengo, mlingo adzakhala 7% pachaka);
• kugula inshuwalansi ya moyo waumwini ndikovomerezeka;
• malipiro oyambirira - osafunikira (koma mlingo udzakhala 27 peresenti);
• onetsetsani kuti mukupereka umboni wa ndalama;
• zaka za wobwereka ndi zaka 22-65;
• nthawi ya ngongole - mpaka zaka zisanu ndi ziwiri.

AiMoneyBank, komabe, imapereka ngongole zamagalimoto mpaka zaka 15 panthawi yogulitsa.

Pali mapulogalamu ambiri otere ochokera ku mabanki osiyanasiyana, koma onse ndi ofanana.

Ngati mukufunadi kubwereketsa galimoto yogwiritsidwa ntchito, akonzi a Vodi.su amalimbikitsa:

• sonkhanitsani ndalama zolipirira (30-60 zikwi pa mtengo wagalimoto wa 250-350 zikwi - osati mochuluka);
• pemphani ngongole kwa nthawi yocheperako (padzakhala ndalama zochulukirapo);
• gulani galimoto kudzera mu Trade-In - apa magalimoto onse amapezeka ndipo adzakuuzani za zofooka zonse, kapena m'malo mwake, mwayi wogula galimoto yomwe siinasinthidwe ukuwonjezeka.

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