Kubwereketsa magalimoto kwa anthu pawokha

Kubwereketsa magalimoto kwa anthu pawokha kunaperekedwa ku Russia kokha ndi cholinga chogwiritsa ntchito malonda. Ndiye kuti, munthu amatha kupeza galimoto yogwirira ntchito: taxi, van, magalimoto amalonda, komanso zida zapadera.

Komabe, zinthu zasintha pambuyo pa 2010, pamene mawu oti "ntchito zamalonda" adachotsedwa kulamulo, motero, Russian aliyense anali ndi mwayi wobwereketsa galimoto.

Kodi mawu awa - kubwereketsa ndi chiyani? “Kubwereketsa” - m’Chichewa kumatanthauza “kubwereketsa”, ndiko kuti, kubwereketsa ndi mgwirizano wapakhomo wa katundu aliyense.

Wobwereketsa ndi munthu, bungwe kapena ndalama zomwe zimagula galimoto ndi ndalama zake ndikubwereketsa kwa wobwereketsa. M'mawu osavuta: mumadzisankhira nokha galimoto yachitsanzo, kupanga mgwirizano ndi banki kapena kampani yobwereketsa, banki imagula galimoto iyi ku salon kapena kwa munthu wamba ndikukupatsani malinga ndi zomwe zafotokozedwa mu mgwirizano.

Zikuwoneka kuti ngongole zamagalimoto zimaperekedwa molingana ndi dongosolo lomwelo: banki imakulipirani galimoto mu salon, ndiyeno mumayendetsa kale nkhani zonse zachuma ndi banki. Komabe, pali kusiyana kwakukulu pakati pa ngongole ya galimoto ndi mgwirizano wobwereketsa:

• ndi ngongole ya galimoto, galimotoyo nthawi yomweyo imakhala katundu wa wogula ndipo imakhala ngati chikole;
• pakubwereketsa, galimotoyo imakhalabe katundu wa kampaniyo, ndipo wogula amaitenga pa nthawi yaifupi kapena ya nthawi yayitali ndi ufulu wogula wotsatira.

Kuchokera apa tikuwona kuti kubwereketsa ndi kubwereketsa ndi ufulu wogula.

Ngati mukufuna, mutha kugula zida izi mukatha mgwirizano, kapena mutha kupanga mgwirizano watsopano wagalimoto ina.

Nanga phindu la banki kapena kampani yobwereketsa ndi chiyani??

Zikuwonekeratu kuti palibe amene angagwire ntchito motayika, makamaka mabanki kapena makampani obwereketsa. Ganizirani zomwe munthu angavomereze popanga mgwirizano wa lendi. Kuti muchite izi, pitani ku webusayiti ya kampani iliyonse ndikuwerenga mosamala zomwe zili.

Choncho, zofunika ndi:

• malipiro amtsogolo, omwe angakhale ochokera 10 peresenti mtengo;
• avereji ya chiwongoladzanja cha pachaka - makamaka, izi ndi zofanana ndi chiwongoladzanja cha pachaka, koma ndi kubwereketsa ndizochepa, kuchuluka kwa ndalama zolipiriratu;
• zinthu zobwereranso - kuti galimoto ikhale yathunthu yamunthu, padzakhala kofunikira kugula umwini wagalimoto kuchokera ku bungwe lazachuma, ndipo izi ndi zinanso. 10% ya mtengo wake.

Kuti zimveke bwino, mawerengedwe amaperekedwa a kuchuluka kwa galimoto yomwe yagulidwa pansi pa pulogalamu ya ngongole ya galimoto komanso mgwirizano wobwereketsa udzatiwonongera. Mwachitsanzo, mumapeza ngongole yagalimoto ya ma ruble 1,2 miliyoni, perekani 20%, ndikulipira zotsalazo pa miyezi 24 pa 15,5 peresenti pachaka. Kuchuluka kwa ndalama zanu kudzakhala ma ruble 1,36 miliyoni kwa zaka ziwiri.

Kubwereketsa galimoto yomweyo ndi malipiro pasadakhale 20 peresenti, muyenera overpay 240 zikwi, ndiye kuti mudzapulumutsa za 120 zikwi rubles - kusiyana kwambiri.

Ndizoyeneranso kudziwa kuti makampani obwereketsa amapereka mitundu iwiri yamakontrakitala:

• ndi kugula ufulu wa katundu;
• wopanda dipo.

Mwa njira, mitundu yotsirizirayi ndi yotchuka kwambiri ku Ulaya. Kunena zowona, munthu sadandaula chilichonse: amakoka pangano kwa zaka ziwiri kapena zisanu, amalipira kuchotsera mwezi uliwonse m'dera la 10-15 zikwi pamwezi, kuphatikiza ndalama zonse zoyendetsera galimotoyo. Mgwirizano ukatha, kampani yobwereketsa imagulitsa galimotoyo, ndipo munthuyo, ngati angafune, amamaliza mgwirizano watsopano wagalimoto ina.

Ndizoyeneranso kudziwa kuti inshuwaransi ya CASCO ndi OSAGO imalipidwa ndi wobwereketsa, ndipo ndalamazi zimalipidwa ndi wogula, popeza nthawi yomweyo zimaphatikizidwa ndi mgwirizano.

Kodi mungabwereke bwanji galimoto?

Mukungoyenera kulumikizana ndi kampani yobwereketsa kapena banki yomwe imapereka ntchito zotere kwa anthu.

Muyenera kukhala ndi zikalata zovomerezeka ndi inu:

• pasipoti, komanso makope a masamba ake onse;
• chikalata chachiwiri chomwe mwasankha ndi kope lake;
• chiphaso cha ndalama ndi buku la ntchito ndi chisindikizo chonyowa cha abwana.

Msinkhu wanu uyenera kukhala wopitilira zaka 18, ndipo muyenera kukhala ndi chilolezo chokhalamo mu mzinda kapena dera lomwe nthambi ya banki kapena kampani yobwereketsa ili. Kuofesi, mudzafunika kulemba fomu.

Mgwirizano woterewu ukhoza kujambulidwa pamagalimoto aliwonse ofunika kuchokera ku 300 mpaka 6 miliyoni rubles. Mukhozanso kugula magalimoto ndi mtunda wa zosaposa 100 zikwi Km ndipo pa mtengo palibe otsika mtengo kuposa 400 zikwi.

Ngati mukukonzekera kugula katunduyo, ndiye kuti malipirowo ayenera kukhala osachepera 20 peresenti, ngati simukukonzekera, ndiye kuti malipiro oyambirira amaloledwa pa 10 peresenti.

Kukonza ntchito kumatenga tsiku limodzi lokha, ndipo, kutengera ndalama zomwe mumapeza komanso kuchuluka kwa zomwe mwakonzeratu, kuchotsera kwakukulu kutha kuperekedwa pamitengo ya chiyamikiro cha pachaka.

Ubwino wobwereketsa

Ubwino waukulu wobwereketsa ngongole yagalimoto ndikuti solvency ya kasitomala imawunikiridwa mosamalitsa.

Komanso, mtengo wapamwamba ndi 6 miliyoni rubles. Kampani yobwereketsa yokha imachita ndi inshuwaransi ndi kulembetsa galimoto, ndiyeno ndalama zonsezi zimalowetsedwa mu mgwirizano ndikugawidwa m'miyezi ingapo - kachiwiri, phindu, popeza simuyenera kulipira zonsezi mu ndalama kuchokera m'thumba lanu nthawi imodzi.

Komanso, monga taonera, kuchuluka kwa malipiro owonjezera kudzakhala kochepa - osati zambiri, komabe, 100 zikwi sizikugona panjira. Ku Europe ndi ku USA, zabwino zonse zobwereketsa anthu zakhala zikumveka kwanthawi yayitali, pomwe tili nazo 3 peresenti magalimoto onse amagulidwa mofanana. Tikukhulupirira kuti zonse zisintha posachedwa.

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