Momwe mungapezere ngongole yotetezedwa ndi galimoto, pezani ngongole yotetezedwa ndi galimoto

Ngati mukufuna ndalama kuti muthe kuthana ndi mavuto anu azachuma, ndiye kuti mutha kupeza ndalama zomwe zikufunika posiya katundu aliyense ngati chikole kubanki kapena kubweretsa guarantors. Zidzakhala zosavuta kupeza ngongole yotetezedwa ndi galimoto, koma mabanki osiyanasiyana amaika zinthu zosiyanasiyana:

• mabanki ambiri amavomereza magalimoto akunja okha omwe msinkhu wawo sudutsa zaka 10, kapena magalimoto apanyumba osapitirira zaka 5;
• mutha kuyembekezera kulandira ngongole ngati galimoto yanu ili bwino;
• zaka za wobwereka ziyenera kukhala zaka 21-65 (70), ngati ndinu wamkulu kapena wamng'ono kuposa zaka izi, ndiye kuti ngongoleyo ikhoza kuperekedwa ndi guarantors;
• chofunika ndi kukhalapo kwa ndondomeko ya CASCO, ngati mulibe, ndiye kuti mukhoza kuipereka mwachindunji kudzera kubanki.

Mbiri yabwino yangongole komanso kudalirika kwanu kumachita gawo lofunikira, chiphaso cha ndalama ndichowonjezera, ngakhale mabanki ambiri angakupatseni ngongole yotetezedwa ndi galimoto popanda ziphaso izi, komabe, simudzalandira zoposa 50-60 peresenti ya mtengo wamsika wagalimoto yanu. Akatswiri a banki adzafunika nthawi kuti awone momwe galimotoyo ilili. Ngati mbiri yanu ya ngongole ndi yabwino, ndipo zonse zili bwino ndi ndalama, ndiye kuti mukhoza kuyembekezera kulandira chiwerengero chachikulu - 70-80% ya mtengo.

Ndalama zitalandilidwa m'manja mwanu, galimotoyo imakhala m'manja mwanu, komabe, mumasiya makiyi achiwiri ndi satifiketi yolembetsa kubanki. Kuphatikiza apo, simukuloledwa kupita kunja komanso kusapezeka kwanthawi yayitali mumzinda womwe mudafunsira ngongole. Ngongole si zabwino kwambiri - kuyambira 17 mpaka 25 peresenti pachaka kwa zaka 0,5-5, chiwongola dzanja chimaperekedwa pangongole. Ngati mukuchedwa, banki imakupatsani mpaka zaka ziwiri kuti mubweze ngongoleyo.

Ma pawnshops agalimoto atchukanso tsopano, koma poyerekeza ndi mabanki, ali ndi zofooka zambiri ndi "misampha":

• ngongole zazifupi zosapitirira chaka chimodzi;
• mudzalandira kuchuluka kwa 70% ya mtengo;
• kulipira mopitilira muyeso kumatha kufika 100% pachaka;
• ngati simukulipira, galimoto yanu idzapeza mwiniwake watsopano ndipo palibe amene adzachita nanu kwa nthawi yaitali pazifukwa zosalipira.

Mwa zina, kugwiritsa ntchito ntchito za pawnshop muyenera kulipira chindapusa, chomwe chizikhala pafupifupi 1-5% ya ngongole yonse. Ntchito zama pawnshops zimagwiritsidwa ntchito pokhapokha ngati palibenso mwayi wopeza ngongole.

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