Kugula galimoto pa ngongole pamalo ogulitsa magalimoto

Magalimoto ambiri omwe timawawona lero m'misewu ya mizinda yathu adagulidwa ndi ngongole.

Anthu aku Russia atha kukonda ntchito zobwereketsa - simuyenera kusungira ndalama firiji, nyumba kapena galimoto kwa zaka zingapo - pezani katunduyo lero ndikulipira ndalama pambuyo pake. Ngakhale chosowa pafupifupi kuwirikiza kawiri malipiro sichibweza anthu ngongole.

Pafupifupi nzika iliyonse yomwe ili ndi ndalama zowoneka bwino ikhoza kugula galimoto ndi ngongole lero. Sikuti nthawi zonse mumafunika kutsimikizira zomwe mumapeza - kunena zoona, mabanki samasamala ngati mutha kulipira kapena ayi.

Lonjezo ndi galimoto, yomwe, ikapanda kulipira, imatengedwa, ndipo zonse zomwe adakwanitsa kulipira zimabwezeredwa kwa munthuyo, kuchotsa ndalama zothandizira ngongole, mtengo wa CASCO ndi ndondomeko za OSAGO, ndi, ndithudi, kuchepetsa mtengo wa galimoto kumaganiziridwa.

Salon, kumbali ina, ilibe udindo uliwonse, kupatulapo chitsimikizo, kwa kasitomala - banki imasamutsa ndalama zofunikira ku salon m'malo mwa wogula. Ndipo ubwino wachuma wa kasitomala ndi wokondweretsa kwa oimira salon okha mpaka banki ivomereza ngongoleyo.

Zikhale momwe zingakhalire, pali magalimoto ambiri angongole masiku ano, zomwe zikutanthauza kuti kubweza ndi 50-100 peresenti osati zowopsa kwa anthu ambiri.

Tiyeni tiwone njira zopezera ngongole yagalimoto m'malo ogulitsa magalimoto.

Ndondomeko yofunsira ngongole yagalimoto mu salon

Chisankho chogula galimoto pa ngongole, mwachidziwitso, sichingakhale chodzidzimutsa. Monga lamulo, munthu ali ndi chidwi ndi zopereka zosiyanasiyana, zomwe zilipo zambiri tsopano, ndipo nthawi zambiri zimatha kutisocheretsa. Izi zikugwiritsidwa ntchito, choyamba, ku malingaliro omwe akulangizidwa kugula galimoto pa ngongole popanda kubweza ndi kugula ndondomeko ya CASCO.

Kuti muthane ndi nkhaniyi, muyenera kudziwa komwe tikuchita ndi pulogalamu ya ngongole yamagalimoto, komanso komwe ndi ngongole ya ogula. Talemba kale za izi, koma tikukumbutsaninso:

• palibe banki yomwe imapereka mapulogalamu a ngongole zamagalimoto popanda kubweza komanso popanda CASCO ku Russia;
• Ngongole ya ogula ndi kutulutsa kopanda cholinga kwa ndalama pa chiwongola dzanja chokwera.

Choncho, ngati mutagula galimoto pa ngongole popanda CASCO ndi chopereka osachepera 10% ya mtengo, mumalandira ngongole ogula pa 30-60 peresenti pachaka. Chiwongola dzanja pa ngongole yagalimoto ndi chochepa kwambiri - pafupifupi 10 mpaka 20 pachaka.

Mwachitsanzo, pitani patsamba la malo ogulitsa magalimoto aliwonse ndipo mudzawona zotsatsa zosiyanasiyana. Muyenera kupereka msonkho kwa alangizi a ngongole - mutha kulembetsa ngongole yamagalimoto pamalopo ndipo mlangizi adzakulumikizani posachedwa, yemwe angakonze chilichonse:

• mapulogalamu omwe alipo;
• mawu obwereketsa;
• kuchuluka kwa ndalama zomwe mungayembekezere pamlingo wanu wopeza;
• ndi mtengo wanji wa kubweza;
• zolemba zotani.

Ngati mwaganiza zopempha ngongole ku malo ogulitsa magalimoto akuluakulu, ndiye kuti, zonse zidzakuchitikirani pano. Mudzafunika kusonkhanitsa zikalata zofunika, ndipo, ndithudi, malipiro oyambirira - mukamalipira kwambiri nthawi imodzi, chiwongoladzanja chochepa chomwe muyenera kulipira.

Komanso, m'ma salons ambiri pali pulogalamu yogulitsira, yomwe mungagule galimoto yatsopano yomwe ili yabwino, ndipo idzawononga ndalama zocheperapo kuposa mnzake watsopano.

Kenako mumabwera ku salon, pezani woyang'anira ngongole, adzakuuzani momwe mungalembe mafunsowo molondola. Chisankho cha banki chimadalira momwe mafunsowo amadzazidwa kwathunthu ndi molondola.

Muyenera kupereka zambiri momwe mungathere za inu nokha, ndalama zanu, ndalama za achibale anu, katundu wosunthika ndi wosasunthika. Simufunikanso kulemba chilichonse - zonse zimafufuzidwa bwino kwambiri. Phukusi lonse la zikalata zimatumizidwa ku banki, nthawi zambiri zimachitidwanso kutumiza mafomu kumabanki angapo kuti mupeze chisankho chotsimikizika.

Mabanki pafupifupi sadzakana munthu amene waikapo osachepera 20 peresenti ya mtengo wa galimoto. Ndipo ngati mulinso ndi mbiri yabwino yangongole, kapena ndinu kasitomala wa banki iyi, ndiye kuti makiyi agalimoto amakhala pafupifupi otsimikizika m'thumba lanu.

Pankhaniyi, chisankho chingafunikire osapitirira mphindi 30. Ngati pali kukayikira kulikonse, yankho liyenera kudikirira mpaka masiku atatu.

Ngati munalipiriratu musanalandire chilolezo kubanki, onetsetsani kuti mwasunga zikalata zonse zolipirira, chifukwa mwina ngongoleyo sidzaperekedwa ndipo mudzabweza ndalamazi.

Ngati chisankho chabwino chapangidwa, ndiye pomwe pano mu salon mutha kusaina pangano ndi banki ndikusiya salon mugalimoto yatsopano.

Pambuyo pake, mudzangofunika kuyika ndalama nthawi zonse ku akaunti yakubanki.

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