Ngongole yamagalimoto ogwiritsidwa ntchito

Kudzera m'mabanki, mutha kupeza ngongole yagalimoto yatsopano komanso yogwiritsidwa ntchito, ndipo muzochitika zonsezi, chiwongola dzanja chidzakhala 10-11 peresenti mu ndalama zakunja kapena 13-16 peresenti mu rubles, kutengera banki yosankhidwa ndi mtengo wakubweza..

Ngakhale kuti mabanki ali okonzeka kupereka ngongole ya magalimoto atsopano, pangakhale mavuto ndi omwe amagwiritsidwa ntchito.

Choyamba, pali zoletsa pa msinkhu wa galimoto: osapitirira zaka zitatu kwa magalimoto apakhomo ndi zaka zisanu ndi ziwiri za magalimoto akunja. Sikovuta kumvetsetsa ndondomeko yotereyi ya mabanki, banki imatsimikizira: galimotoyo imakhala katundu wa bungwe la zachuma pofuna kugulitsanso, ngati wobwereka sangathe kubweza ngongoleyo.

Kupatulapo zitha kupangidwira magalimoto agawo la Premium, omwe mtengo wake umaposa ma ruble miliyoni imodzi ndi theka. Kwa magalimoto oterowo, zaka ndi zaka 10 ndipo chiwerengero cha eni ake akale sichiposa zinayi.

Kachiwiri, amalabadira mtunda: 50 zikwi magalimoto zoweta ndi 100 zikwi magalimoto akunja. Magalimoto omwe moyo wawo wa injini uli wopitilira theka latha samaganiziridwa. Kuphatikiza apo, kuti atsimikizire kuti wobwereketsayo ali ndi ngongole, mabanki amayenera kukhazikitsa malipiro - kuyambira 20 mpaka 50% ya mtengo.

Mfundo yachitatu yofunika ndi zaka za wobwereka. Ngati ngakhale opuma pantchito atha kubwereketsa galimoto yatsopano, ndiye kuti ngongole zagalimoto yogwiritsidwa ntchito zimaperekedwa kwa anthu osachepera zaka 25 komanso osapitilira zaka 55.

Nthawi ya ngongole, ndiyenera kunena, imachepetsedwanso - pafupifupi kuyambira chaka chimodzi mpaka zisanu. Ndiko kuti, tikuwona kuti magalimoto ogwiritsidwa ntchito amaonedwa ndi mabanki ngati owopsa, choncho njira zonse zofunika zimatengedwa kuti ateteze zofuna zawo zachuma, ndipo chidwi chachikulu cha banki ndichopanga phindu.

Kufunsira ngongole yamagalimoto ogwiritsidwa ntchito

Mutha kusankha galimoto mwanjira iliyonse: m'misika yamagalimoto, kudzera muzotsatsa, m'malo ogulitsa malonda. Njira ziwiri zoyamba zimaphatikizapo zovuta zina: banki, yosamvetseka, ili kumbali ya kasitomala, chifukwa chake idzakhala ndi chidwi ndi mtengo wagalimoto wofananira ndi momwe zilili, chifukwa chake muyenera kulipira zowonjezera pazantchito za wowerengera, zomwe ndi zina 1-1,5 peresenti kuchokera pamtengo wa galimoto. Mwina ndi chifukwa cha chofunika ichi kuti si nthawi zonse opindulitsa kwa ogulitsa kugulitsa magalimoto motere.

Kuonjezera apo, banki sidzapereka ngongole kwa galimoto iliyonse, ndiko kuti, wogulitsa adzakakamizika kuyembekezera chisankho cha komiti pamodzi ndi inu, ngakhale panthawiyi kasitomala akhoza kubwera kwa iye ndikulipira ndi "ndalama zenizeni. ” pomwepo.

Mabanki ali okonzeka kupereka ngongole zamagalimoto okhala ndi mtunda wogulidwa kudzera m'magalimoto ogulitsa magalimoto kapena malonda. M'magalimoto ogulitsa magalimoto, ndiyenera kunena kuti, mapepala onsewa adzaperekedwa kwa oyang'anira dipatimenti yobwereketsa, omwe adzakonza zonse okha, wogula adzangofunika kupereka zikalata zonse.

Ndi zolemba ziti zomwe zimafunikira kuti mulembetse ngongole?

Monga lamulo, iyi ndi standard set:

• pasipoti yokhala ndi chilolezo chokhala ku Russia;
• chiphaso cha ndalama kuchokera kuntchito kwa miyezi 12 yapitayi;
• buku la ntchito;
• pasipoti yapadziko lonse lapansi.

Kuphatikiza apo, mabanki ambiri angafunike zikalata zowonjezera, mwachitsanzo, satifiketi ya kapangidwe ka banja ndi ndalama za mnzako, satifiketi yochokera ku narcological and neuropsychiatric dispensary, ndi chilolezo cha achibale ena kuti apemphe ngongole.

Ngati mugula galimoto kwa munthu payekha, muyenera kubweretsa kopi ya satifiketi yolembetsa, kuphatikiza pazikalata zonse pamwambapa. Ndipo pamene chigamulo chogawa ndalama zofunikira chikuvomerezedwa, muyenera kubwera ku ofesi ya banki ndi wogulitsa kuti asayine mgwirizano wogulitsa.

Banki ikufunanso kuti mutsimikizire galimotoyo pansi pa CASCO, ndipo kuchuluka kwa inshuwaransi yamagalimoto ogwiritsidwa ntchito kudzakhala apamwamba kuposa atsopano. Banki ikhoza kuyikanso chikhalidwe chotere kuti ngati CASCO sichiperekedwa, ndiye kuti chiwongola dzanja chiwonjezeke.

Monga lamulo, mabanki amakupatsirani mndandanda wamakampani a inshuwaransi, koma muyenera kusankha okhawo omwe mukutsimikiza nawo. Pambuyo pa chivomerezo cha chigamulo cha ngongoleyo, mwiniwakeyo amapatsidwa nthawi yoti adutse njira zonse: kulembetsanso, inshuwaransi, kupeza manambala, zolemba zonse, kudutsa kuyendera kwaukadaulo. Mpaka ruble yomaliza pa ngongole ibwezeredwa, galimotoyo idzakhaladi katundu wa banki, mutuwo udzasungidwa kusungirako. Chabwino, mutatha kulipira ndalama zonse, mukhoza kuonedwa kuti ndinu mwiniwake wa galimoto yogwiritsidwa ntchito.

Kwa ambiri, kupeza ngongole yamagalimoto ogwiritsidwa ntchito ndiyo njira yokhayo yopezera galimoto yanu. Komabe, musaiwale kuti pogula magalimoto atsopano, pakhoza kukhala zinthu zabwino kwambiri zangongole, ma salon ambiri amaperekanso zotsatsa zosiyanasiyana, monga kuyika kwaulere kwa anti-kuba kapena seti ya matayala achisanu ngati mphatso. Pomwe magalimoto ogwiritsidwa ntchito, kukwezedwa koteroko sikugwira ntchito. Ndiko kuti, muyenera kuganizira mosamala zonse zomwe zilipo ndikusankha yoyenera kwambiri.

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