Ngongole yamagalimoto yopindulitsa kwambiri ingapezeke kumabanki a capping

Ngati munthu akufunikira galimoto mwachangu, ndiye kuti ali wokonzeka kuphunzira mapiri a chidziwitso kuti apeze njira zobwereketsa zoyenera komanso zabwino. Tidapereka chidwi kwambiri pamutu wamapulogalamu angongole patsamba lathu la Vodi.su.

Mukawerenga mosamala nkhanizi, muwona kuti ngongole yagalimoto ku Russia sizopindulitsa kwambiri, popeza muyenera kulipira koyambirira, kutsimikizira zomwe mumapeza, kugula CASCO ndipo, nthawi yomweyo, kubweza kuchokera ku 10 mpaka 20 peresenti.

Munthu aliyense ali ndi zofuna zosiyana za galimoto: wina amafunikira galimoto yabwino kwa mamiliyoni atatu, wina ali wokonzeka kugula sedan yapakhomo kuti apite kudziko, ndipo wina adzakhala ndi "zisanu ndi zinayi" zokwanira. Kuchokera pa izi muyenera kumangirira, kusankha chopereka chopindulitsa kwambiri kwa inu nokha.

Sitidzalemba mayina ambiri a mabanki aku Russia ndikulankhula za chiwongola dzanja - iwo ali ofanana. Ndikufuna kukopa chidwi cha owerenga kuzinthu zatsopano ku Russia monga mabanki owerengera.

Mabanki ogwidwa - ndi chiyani?

A capping bank ndi bungwe lazachuma lapadera lomwe limagwira ntchito limodzi ndi wopanga magalimoto ena. Chifukwa chake mayina: Toyota Bank, BMW Bank, Bank of Tokyo-Mitsubishi UFJ. Opanga ena amagwira ntchito limodzi ndi mabanki ndipo amapereka mapulogalamu awo obwereketsa, monga Nissan-Finance.

Ubwino wa mabanki ndi mapulogalamu otere ndi chiyani kuposa ngongole zamagalimoto wamba?

Chowonadi ndi chakuti opanga ma automaker sakonda kwambiri phindu lowonjezera monga mabanki athu (mutha kusankha epithet nokha). Mtengo wa galimotoyo umaphatikizaponso ndalama zonse zomwe zimapangidwira: zipangizo, kutumiza, malipiro obwezeretsanso, malipiro, malonda otsatsa, ndi zina zotero.

Chifukwa chake, cholinga ndikugulitsa magalimoto ambiri komanso munthawi yochepa. Chifukwa chake chiwongola dzanja chochepa.

Tiyeni tiwone zomwe zilipo lero.

Toyota Bank imapereka mapulogalamu angapo pazogulitsa zake:

• Camry Trade-in - kuchokera ku 5,9 pachaka;
• Toyota Yoyesedwa (yotsimikizika Toyota) - ngongole yagalimoto yokhala ndi mtunda - kuchokera pa 9,9 mpaka 17 peresenti pachaka;
• Zophatikiza - ngongole yamagalimoto osakanizidwa a Toyota ndi Lexus kuchokera pa 8,9 peresenti mpaka 13,3.

Mapulogalamu a ngongole amasinthidwa nthawi zonse, sikumveka kutchula onsewo, koma chenichenicho chikuwonekera - chiwongoladzanja ndi chopindulitsa, pa mapulogalamu ambiri mapepala awiri ndi okwanira, CASCO ndi VHI sizifunikira.

Zowona, pali "KOMA" - mikhalidwe yabwinoyi imaperekedwa kwa mitundu ina, mwachitsanzo, madzulo a tchuthi cha Chaka Chatsopano, kukwezedwa kwa Toyota RAV4 kumayamba pa 8,9%, koma kutengera osachepera 30% zopereka. . Ndipo kuti mupeze Camry pa 5,9%, muyenera kusungitsa kuchokera ku 50 peresenti.

Ndiko kuti, kupereka ndi kopindulitsa kwenikweni, koma okhawo amene angathe kulipira theka la mtengo wa galimoto Toyota. Kuphatikiza apo, mawu osankhidwa ndi ovomerezeka kwa chaka chimodzi chokha, koma ngati mukufuna kubwereketsa kwa nthawi yayitali, konzekerani mitengo yanthawi zonse kuyambira 9 mpaka 17 peresenti.

BMW bank, ilinso ndi zomwe angapatse makasitomala ake:

• BMW Special - ngongole zamagalimoto atsopano, mitengo kuchokera 6,5 mpaka 12,5%;
• MINI Ideal - ngongole ya MINI One kuchokera ku 5,95 mpaka 10 peresenti;
• BMW ndi malipiro otsalira - 11,5-13%.

N'zoonekeratu kuti BMW si kubala magalimoto yotchipa ndi obwera kumene ambiri samalota za iwo, koma osachepera Dacia Nexia kapena Lada Kalina, koma ndi bwino kuganizira. Mwachitsanzo, mndandanda wa BMW 3 pansi pa pulogalamu yapadera ya BMW idzawononga pafupifupi 18-25 pamwezi. Mikhalidwe ili motere: inshuwaransi yokakamiza ya CASCO, 15% zopereka, mlingo kuchokera 6,5 mpaka 12,5 - mlingo umadalira nthawi ya ngongole. BMW X3 SUV pansi pa pulogalamuyi idzakutengerani 25 pamwezi.

Anthu omwe ndalama zawo zimakulolani kulipira ngongole zoterezi, ndithudi, sizingadutse zopereka zoterozo.

Ngati titenga mwachitsanzo pulogalamu yachuma Nissan Finance, ndiye tidzawona kuti tikupatsidwa zinthu zabwino kwambiri. Choncho, pali umafuna kwa crossovers ndi SUVs: Murano, Patrol, X-Trail, Navara. Ngati nthawi yomweyo kuyika 30 peresenti ya mtengo wa Nissan Murano (zidzakhala 485 zikwi) ndikupempha ngongole kwa chaka chimodzi, ndiye kuti muyenera kulipira pafupifupi 80 zikwi pamwezi. Kubweza kudzakhala 4,9 peresenti yokha.

Pali kukwezedwa kwa Nissan Juke - Zero peresenti kwa zaka ziwiri. Koma izi ngati inu nthawi yomweyo kulipira theka la mtengo - 300 zikwi. Mu mwezi muyenera kulipira 13 zikwi rubles. Kwa iwo omwe sangathe kulipira nthawi yomweyo, mutha kuphwanya ndalamazo muzaka 3-5, ngakhale kuchuluka kwake kudzakhala kwakukulu - 8,9-14,9, ndipo mudzayenera kulipira 14-15 zikwi pamwezi.

Ngati mukufuna, mungapeze mapulogalamu ambiri otere kuchokera ku Renault, Peugeot, Mitsubishi, Mazda ndi opanga ena. VW ndi Skoda alinso ndi kukwezedwa kopindulitsa.

Chonde dziwani kuti opanga ambiri akunja amatenga nawo gawo mu pulogalamu yobwezeretsanso ndikupereka kuchotsera kwa 40-50, kutengera kusinthanitsa kwagalimoto yakale ndi yatsopano. Tsoka ilo, zambiri mwazinthuzi zimagwira ntchito pamagalimoto apakati komanso apamwamba.

Tikutsegula...