Ndikoyenera kutenga ngongole yagalimoto? Pamalo owonetsera magalimoto ndi magalimoto ogwiritsidwa ntchito

Ku Europe, ngongole zomwe ogula amakumana nazo komanso zosagwirizana ndizomwe zakhala zikuchitika nthawi yayitali. Pafupifupi ku Ulaya konse kumakhala ndi ngongole. Mchitidwe womwewo wayamba kufalikira ku Russia posachedwapa: ngongole zanyumba, ngongole za galimoto, ngongole za zipangizo zapakhomo komanso zowonongeka, ma kirediti kadi - mwina aliyense waku Russia kamodzi, koma adabwereka ndalama kubanki.

Funso lovomerezeka limabuka - Ndikoyenera kutenga ngongole yagalimoto?? Tiyeni tiyese kuzilingalira.

Apa mutha kuwunikira mbali zabwino ndi zoyipa. Kuphatikiza apo, obwereka amadzimanga okha ndi maudindo ena kumabanki. Kodi udindo umenewu ndi wotani?

Mbali zoipa - udindo kubanki

Choyamba, banki ili ndi chidwi ndi kasitomala kubwezera ndalama zonse, koma ngati pazifukwa zina sizingachitike, banki ingagwiritse ntchito zilango zachuma:

• perekani chilango cha kubweza mochedwa - kuwonjezeka kwa chiwongoladzanja, kuwonjezeka kwa ngongole, makomiti obweza mochedwa;
• kugulitsa chikole - ngati munthu akupeza kuti ali ndi vuto lachuma, banki imangolanda galimoto ndikuyigulitsa;
• Zoletsa zazikulu zimayikidwa paufulu wogwiritsa ntchito katundu - kulephera kupita kunja.

Chinthu chophweka kwambiri - munthu amalipira ngongole, amakhalabe kulipira 40-20 peresenti ya mtengo wake, koma pali kuchepa kwakukulu kwa ogwira ntchito, kampaniyo imabweretsa zotayika, munthuyo amakhala wosagwira ntchito. Kukhoza kubweza ngongole kwatayika. Banki ikhoza kukumana ndi theka ndikupereka zinthu zokhulupirika, kapena kungolanda galimotoyo, kuigulitsa kudzera mu malonda, ndi 20-30 peresenti yotsika mtengo, tenga chilango chonsecho, ndi kubwezera chotsalacho kwa kasitomala. Ndiye kuti, zimakhala kuti munthu adzataya ndalama zambiri.

Kachiwiri, banki mosalephera imafuna kulembetsa inshuwaransi ya "CASCO". Monga tikudziwira, ndondomeko ya CASCO kwa chaka ikhoza kuwononga 10-20 peresenti ya mtengo wa galimoto.

Chulukitsani ndalama izi panthawi ya ngongole - zaka 2-5, ndipo zimakhala kuti mudzawononga ndalama zambiri pa inshuwalansi yokha.

Chachitatu, banki ikhoza kulipiritsa chindapusa pakukonza ndi kubweza ngongoleyo. M'kupita kwa nthawi, ma komisheniwa adzamasuliranso peresenti inayake ya mtengo wagalimoto.

Chabwino, tisaiwale kuti ndinu mwiniwake wa galimoto yangongole mwamwambo, kwenikweni, ndi ya banki mpaka mutalipira ndalama zonse.

Malinga ndi zimene takambiranazi, tinganene kuti munthu amene wasankha kugula galimoto ndi ngongole amangodziika muukapolo modzifunira.

Koma, monga akunena, ndi lupanga lakuthwa konsekonse. Zoonadi, ngati munthu sangathe kuzipanga kuchokera ku malipiro kupita ku malipiro, ndipo chifukwa cha chisonkhezero chosamvetsetseka, amasankhanso kuitanitsa ngongole yamtengo wapatali, ndiye kuti palibe zomveka bwino pazochitika zoterozo. Choyamba, akatswiri amalangiza kuthana ndi zobwereketsa zomwe zili pamsika, ndikuyesa mwayi wanu weniweni wakubweza ngongoleyi munthawi yake.

Ndikoyenera kunena kuti mabanki osiyanasiyana amapereka zinthu zosiyanasiyana: m'mabungwe ena azachuma, chiwongola dzanja chikhoza kufika 20% pachaka, mwa ena - 10%. Komanso, mabanki samawululira makhadi awo nthawi zonse - makasitomala ambiri opusitsika amayang'ana zotsatsa zopindulitsa kwambiri monga - "zopindulitsa kwambiri 7% pachaka, palibe ma komishoni ndi zina zotero", ndipo zotsatira zake zimakhala kuti pulogalamuyo ndi zovomerezeka kokha kwa chiwerengero chochepa cha magalimoto osadziwika kwambiri, kuphatikizapo malipiro otsika ayenera kukhala osachepera 30-50 peresenti.

Zinthu zabwino - galimoto yanu lero

Koma sizinthu zonse zomwe zimakhala zachisoni, chifukwa ambiri amatenga ngongole ndikulipira bwino.

Ubwino wofunikira kwambiri ndi mwayi wochoka lero mu galimoto yatsopano kuchokera ku malo ogulitsa magalimoto. Ndipo momwe idagulidwira - sikoyenera kuuza aliyense.

Mtsutso wina umene umatchulidwa kaŵirikaŵiri ndiwo kukwera kwa mitengo. Ndi ochepa peresenti pachaka, m'zaka zovuta kwambiri amatha kufika 10-20 peresenti. Inu, mutapereka ngongole ya ruble, mudzadziwa kuti m'chaka mudzafunika kuyika, mwachitsanzo, ma ruble 150, m'zaka ziwiri - 300 zikwi. Koma m'zaka ziwiri zomwezo 300 sizidzakhala madola 10, koma 9, ndipo tsopano ngakhale zochepa. Choncho, galimoto yomweyo kuti anagula 500 zikwi ndalama 650 zikwi zaka ziwiri.

Ubwino wina ndi woti ngongole yagalimoto ikhoza kukhala njira yokhayo yopezera galimoto yogwirira ntchito. Mwachitsanzo, wochita bizinesi wanovice amatha kufunsira ngongole yagalimoto yamalonda.

Ngati mudikira mpaka ndalama zofunikira zitasonkhanitsidwa, ndiye kuti "chozizwitsa" chotero sichingayembekezere, chifukwa tsiku lililonse muyenera kugwiritsa ntchito ndalama pa chinachake. Pokhala ndi udindo kubanki, tidzatenga njira yodalirika yogwiritsira ntchito ndalama.

anapezazo

Choncho, tikhoza kunena kuti ngongole iliyonse ndi udindo ku banki ndi kubweza ngongole, ngakhale yaying'ono. Werengani mosamala mawu a mgwirizanowo: kuchuluka kwa ndalama zomwe mwabweza komanso kufupikitsa nthawi yobwereketsa, mudzayenera kulipira mochulukira. Osadalira mwamwayi, pendani bwino momwe mungathere pazachuma.

Kanema wa omwe akufuna kutenga ngongole yagalimoto yopindulitsa,

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