Gulani galimoto pang'onopang'ono popanda banki

Kukhazikitsa - lingaliro ili ladziwika kwa ife kuyambira nthawi za Soviet, pamene mabanja achichepere adagula zida zapakhomo ndi mipando mwanjira iyi, ndipo kubweza kwakukulu kunali kochepa - ntchito yaying'ono yolembetsa. N'zoonekeratu kuti ambiri amalota kugula galimoto mofanana mu kanyumba - kupanga malipiro oyambirira, ndiyeno kubwezera ndalama zonse popanda chidwi kwa miyezi ingapo kapena zaka.

Masiku ano, mapulogalamu omwe amapereka kugula galimoto pang'onopang'ono alipo ndipo akufunika pakati pa anthu, chifukwa ngongoleyi ilibe chiwongoladzanja. Kuphatikiza apo, chinyengo chimapangidwa kuti kasitomala amagwira ntchito mwachindunji ndi salon, osati ndi banki kapena ngongole.

Zoyenera kugula galimoto pang'onopang'ono

Ndikoyenera kunena kuti mikhalidwe yopezera dongosolo lokhazikika mu salon imatha kuziziritsa chidwi cha ambiri:

• amaperekedwa kwa nthawi yochepa, nthawi zambiri kwa chaka (ma salons ena angapereke magawo kwa zaka zitatu);
• malipiro oyambirira ndi okakamizika ndipo pafupifupi 20 mpaka 50 peresenti ya mtengo;
• galimoto iyenera kukhala inshuwaransi pansi pa CASCO.

Chiwembu chopezera magawo ndi chidwi. Mwamwayi, mumalowa mgwirizano ndi salon, koma salon si bungwe lazachuma ndipo kutenga nawo gawo kwa banki kudzakhala kovomerezeka. Mumalipira gawo la mtengo wa galimotoyo, ndiye wogulitsa magalimoto amapereka ngongole yotsala ku banki, komanso kuchotsera. Kuchotsera uku ndi ndalama za banki - pambuyo pake, mudzayenera kulipira ngongole yonse popanda kuchotsera.

Munthu angangolingalira momwe mabanki ndi eni ake ogulitsa magalimoto amavomerezana pakati pawo. Kuphatikiza apo, pang'onopang'ono simungagule galimoto iliyonse, koma yotsatsira. Kawirikawiri izi ndizo zitsanzo zomwe zimagulitsa zoipa kwambiri kapena zotsalira kuchokera ku nyengo zam'mbuyo.

Chabwino, mwa zina, mudzafunikanso kulembetsa ku CASCO, osati kulikonse, koma ndendende mumakampani a inshuwaransi omwe mudzapatsidwe kumalo ogulitsa magalimoto. Ndizochita chidwi, koma zimakhala kuti ndi makampani awa kuti ndondomeko ya CASCO idzawononga ndalama zambiri kuposa za mpikisano. Ichinso ndi gawo la "chiwembu" pakati pa mabanki, salons ndi makampani a inshuwalansi. Ngati mgwirizano wachigawo watsirizidwa kwa zaka zingapo, ndiye kuti mtengo wa ndondomeko ya CASCO udzakhalabe womwewo, ndiye kuti, mudzataya ochepa peresenti.

Ziribe kanthu kuchuluka kwa ndalama zomwe mukufuna kulumikizana ndi banki, muyenera kulemba akaunti yakubanki ndi khadi lapulasitiki lomwe mudzalipire nalo ngongole. Komiti ina imatengedwanso kuti igwiritse ntchito khadi.

Ndiko kuti, tikuwona kuti magawo opanda chiwongola dzanja adzafunikabe ndalama zowonjezera kuchokera kwa ife, ndipo banki idzawononga nthawi zonse.

Kodi mungapeze bwanji pulani yamtengo wapatali yagalimoto m'malo ogulitsa magalimoto?

Kuti mulembetse dongosolo la magawo agalimoto pamalo ogulitsa magalimoto, muyenera kubweretsa zikalata zokhazikika: pasipoti yolembetsa, chizindikiritso chachiwiri, chiphaso cha ndalama (popanda icho, palibe amene angakupatseni galimoto mkati. magawo). Kuphatikiza apo, muyenera kudzaza mafunso akulu omwe muyenera kuwonetsa moona mtima zambiri za inu nokha, za katundu wosunthika komanso wosasunthika, za ndalama za achibale, za kupezeka kwa ngongole, ndi zina zotero. Zonse izi zimafufuzidwa mosamala.

Nthawi zambiri zimatenga masiku atatu kuti apange chisankho, ngakhale atha kuvomereza dongosolo la magawowo ngati akuwona kuti akukumana ndi munthu wabwinobwino yemwe ali ndi mbiri yabwino yangongole. Chisankho chabwino chimakhalabe chovomerezeka kwa miyezi iwiri, ndiko kuti, mutha kusankha galimoto ina kapena kusintha malingaliro anu palimodzi.

M'malo mwake, malinga ndi kapangidwe ka pulani ya magawo - ndizo zonse. Ndiye mumapanga malipiro oyambirira, pitani kukalembetsa galimoto, kugula OSAGO, CASCO, ndi zina zotero. Mutu umakhalabe mu salon kapena umapita kubanki, mudzalandira mutatha kulipira ngongole.

Njira zina zogulira galimoto pang'onopang'ono popanda banki

Ngati ndondomeko yotereyi mu salon "popanda banki" sikugwirizana ndi inu, mukhoza kuyesa kugula galimoto yogwiritsidwa ntchito pamsika wachiwiri kuchokera kwa wogulitsa payekha. Izi ndizovomerezeka ndipo siziphwanya lamulo. Pali zosankha zambiri zomwe zingatheke pano, koma zonse ziyenera kuzindikiridwa:

• mgwirizano wogulitsa umapangidwa, umalongosola mwatsatanetsatane za malipiro;
• pangano langongole limapangidwa - mumalandira galimoto ndikulonjeza kuti muyilipire mkati mwa nthawi yodziwika;
• risiti - risiti imapangidwa, momwe ndalama zonse zolipiridwa zimalowetsedwa ndipo zonsezi zimatsimikiziridwa ndi ma signature a maphwando a mgwirizano.

Pafupifupi njira yomweyo, mutha kugula galimoto ku bungwe. Ogwira ntchito ambiri amapanga pangano lapakamwa kapena lolemba ndi akuluakulu awo ndipo amagwiritsa ntchito magalimoto amakampani ngati awo, kwinaku akulipira lendi yokhazikika. Ndi njirayi, bwana sayenera kuda nkhawa konse, chifukwa amawongolera ndalama za wantchito wake.

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