Car mubhadharo: ose nuances ose kutenga

Nokuti vanhu vazhinji chinhu vachida kutenga pakutanga kwayo kuzvimirira upenyu, ndiyo motokari. Kutenga motokari yakanaka haagoni kutenga. A motokari chinhu chinokosha achishandisa sangano, kunyanya kana iri nhumbi misha nokudzoka kubasa pamwe kakawanda nzendo. Nokuti muchikwata vanhu vasina mari yakakwana kutenga motokari, kuti goho uchava motokari Yakabudiswa. Kutaura zvazviri, nzira iri chikwereti pasina mubereko kuti kutenga chimwe muenzaniso motokari.

A Nhoroondo shoma

Kokutanga kupa mubereko isina chikwereti kutenga motokari kutaura mukutanga 80-ies pamusoro XX remakore. Panguva iyi mumwe automakers zvikuru American akafunga kutengesa zvigadzirwa zvavo, kupa mamiriro ezvinhu akanaka kuti vachibhadhara kuti vatengi vavo. Kana munhu asingadi kuwana mari yakakwana kutenga motokari, iye akapiwa mukana wokuita zvimwe mari kamwe, uye uwandu asara ari dzinounzwa kuna imwe inoverengeka. Nzira iri nguva dzose hwakavandudzika, uye nokukurumidza kambani rava mukurumbira chaizvo pakati vakwikwidzi, uye nyika yakatanga kutaura wokutanga mubereko isina chikwereti kutenga motokari - mukana kutenga motokari Yakabudiswa.

Chinonyanya kukosha ndechokuti zvisipo chikamu mari inobhadharwa kambani motokari imwe mutengi pachako, asi zvino uchatamisa navo chikwereti kubhengi. Banking sangano kudzikinura zvikwereti kwete pakarepo uye haana mari yose, uye dhisikaundi. Pakutanga, nokuti motokari mutengi anofanira musaita asingasviki 30%. Huwandu mukova kubhadhara anogona siyana, zviri novimba nguva iro Yakabudiswa yakapiwa.

In nyika yedu mukana kutenga motokari itsva Yakabudiswa akaonekwa achangobva.

Kusiyana pakati Yakabudiswa uye chikwereti

Credit uye yakavamba kutenga motokari, chaizvoizvo, tiri pfungwa zvikuru zvakafanana. Zviri Chero zvazvingava, kukwereta mari yokutenga motokari, asi kana ukatarira, vane zvimwe misiyano:

1. Time. The chikwereti iri rakapa kwenguva yakareba, vakawanda chikwereti chibvumirano makore 5-10, apo chibvumirano waakazvitengesa mumotokari mubayiro rinowanzova rimwe gore, kana kunyange mwedzi inoverengeka.
2. The chimbadzo pamusoro repair zvikwereti kazhinji ndiyo 15-20%. Kubva zvokushambadzira, tinogona kugumisa kuti chikamu iri rakapa somunhu mubereko isina chikwereti, asi vatengi vanofanira kuziva kuti zviri chaizvoizvo razero chimbadzo hakuwaniki, pakupera chibvumirano ichi pedyo chaizvo zero, asi hazvisi. Bank vashandi vanoti nhamba chikamu iri 0.5% kana 1%.
3. The kwokutanga mubhadharo. Kana kutenga motokari nechikwereti, iye angava asingasviki 10% unonyatsoratidza nhumbi. Car yakavamba Kutengeswa rinoitwa nokuita chinhu mupiro kanenge 20-30% kwokutanga, uye kakawanda, uye 50% of zvachose mutengo.

nenhumbi haya kutenga kunosanganisira kuripwa wemuno kamwe, uye chikwereti asara ari inobhadharwa Yakabudiswa, chikwereti yose chinofanira mubayiro gore kana maviri dzakawanda.

Ndiani ane kodzero kusaina chibvumirano

The itsva motokari mubayiro kutenga vanhu vanogona kuva vatengi kuti nemabhengi upinde zvibvumirano yawo pachinzvimbo. Kana kutenga zvigadzirwa ari showroom uye vasiri kuripwa yose muchina mutengo chitsama mari chisisimo nokuda kambani, asi chikwereti yose iri zvaitambidzwa kubhangi nako peanoita akagumisa chibvumirano.

Chero zvazvingava, mutengi anofanira kuva vanokwanisa uye pazera rinobvumirwa nomutemo. Panyaya iyi, muganhu zera rinowanikwa maererano sei makore akawanda uchava mutengi nenguva kuripwa rokupedzisira chikamu chikwereti. Saka, panguva iyo kutengeserana ari mugari hamufaniri kuva vanopfuura makore 64 chete chibvumirano Yakabudiswa kuti gore rimwe uye kwete vakuru 63 makore - nokuti maviri.

Huru zvinyorwa zvinodiwa kutengeserana

Kuti kutenga motokari Yakabudiswa, unofanira pasi inotengeswa mushandi magwaro. Zviri duku zvikuru pane kubudiswa chikwereti, uye ine zvinotevera kuchengetedzeka:

• Kushandiswa nokuti mukana kuti mari iri Yakabudiswa.
• A kopi pasipoti yacho mugari wenyika Russian Federation, uyo anoda kutenga motokari.
• Kopi mutyairi wacho mutengi.

Documents achisimbisa solvency ari mutengi, akadai kopi mabasa chinyorwa kana mari mashoko, pakupera chibvumirano ichi hachina kunodiwa.

misungo

Munhu wose vakasarudza kutenga basa pasina kuvapo chikuru kukosha motokari, unofanira kunzwisisa kuti migumisiro default pamusoro chikwereti muripo zvinogona kwazvo, kusvikira kushaya ari muchina. Kutenga motokari Yakabudiswa pasina mubereko kungava chete mugari ane yakagadzikana mari.

Mutengi anofanira kunzwisisa kuti kubhadhara chikwereti, zvaaigona chete kwegore kana vaifanira vaviri. Dzivisa kuita mari zvisingabviri. Pamugumo kondirakiti ane purogiramu yakavamba kubhadhara. Kana munhu ari mutengi motokari, haagoni kugadzira muripo, zvinonzi pangozi kwete chete uchiraira mhindu pamusoro chikwereti, asi kudzidzisazve ari chikwereti chitsva. Most kazhinji kondirakiti mazwi chikamu pane chibvumirano, maererano izvo kana kunonoka kuna pamuripo Verengai dzinenge rimwe zuva rwoga nechibvumirano motokari chikwereti pa mwero kwete asingasviki 15%.

Sei ezvinhu Yakabudiswa

Kana mutengi haana imwe mari kuti kuzadziswa hope dzake, iye anogona kutenga motokari Yakabudiswa. The chibvumirano iri akasaina pamwe inotengeswa, riri kutengeswa motokari. zvikuru kuvimba zvinhu zviri kabhini Kutarisira zvibvumirwano rwezvemabhengi masangano, uyewo sei car achida kubhadhara bhangi hwokupa mukana uyu kuti vatengi vavo.

Sezvo mubereko isina chikwereti, chokwadi, hakuwaniki, mutengi anofanira kunzwisisa kuti kanenge nehafu chikamu pfungwa, asi motokari pachako unoripa tsika zvemari. Panewo zvinhu kuti mutengi anofanira kuita kuti kwemamiriro chibvumirano pamusoro. Kuwanikwa inishuwarenzi. Yakavamba urongwa, chaizvoizvo, ndiye chigadzirwa masangano vatatu: showroom, rwezvemabhengi masangano nemakambani inishuwarenzi.

Mukutonga akanaka ezvinhu kazhinji unowira mumwe muenzaniso motokari, iyo anosarudza peanoita. Zvadaro, muna "mutambo" riri kupinda kubhengi iyo motokari inotengeswa akasimbisa Kudyidzana ukama. Banking sangano akabhadharira kuti yakananga muenzaniso pane imwe dhisikaundi, uye inobvumirana mutengi Yakabudiswa anoratidza kutonga zvizere. Ndicho musiyano pakati zvachose Mari motokari uye discounted mutengo ndiyo mari chaiye pamahombekombe nokuda kutengeserana.

Kakawanda, apo kutenga inishuwarenzi motokari kunodiwa kuti mutengi kuti muchina uri chikamu urongwa achaita mari 2-3% anodhura.

okuwedzera mari

Munguva yevasungwa, mubereko isina chikwereti chibvumirano kana kutenga motokari zvakafanira ngaateme inishuwarenzi itsika. Basic inishuwarenzi motokari muRussia - "Hull" uye "CTP". The rakawandisa kuti unofanira kuripirwa, kuvimba dzakasiyana zvinhu zvinoti: zvizivikanwe uye muenzaniso motokari uye muenzaniso gore. High premiums dzakatemerwa zvinodhura hwokusanyara motokari uyewo mitambo motokari.

Kuwedzera inishuwarenzi motokari mari mu Yakabudiswa zvinoda dzokuwedzera mari kuti nyaya Maakaundi Okubhengi yokuita mari. Zviri kutambisa $ 10 kusvika zviuru 20 rubles nokuda Panovhurwa Maakaundi Okubhengi uye kugadzirwa makadhi.

Kutenga b / motokari nechikwereti

Maererano nenyanzvi, motokari pakarepo mushure mbudo kubva kabhini anorasikirwa 20% zvizere ayo kukosha, uye makore mashoma - hafu uwandu. Hapana tyisa ari munhu chido kutenga motokari. Mukana kutenga motokari bu mu Yakabudiswa inopiwa mabhanga mazhinji, uyewo vapemhi pachavo aishandisa motokari. Banking Masangano akaisa zera muganhu muchina, vatengi-vanhu kugovera mukana uyu, zvisinei muenzaniso gore mota. Yakabudiswa bhangi achishandisa zviitiko apo makore motokari zvezvipfuwo kugadzirwa - kwete anopfuura 5 makore uye vatorwa - kwete kupfuura 10.

Cars kutengeswa muna Yakabudiswa hwakawanikwa nokupinda kuva chibvumirano waakazvitengesa anozivikanwa "Yakabudiswa". Kana achiita kutengeserana zvakafanira kutaridzwa ukoshi chairo nhumbi, kuitira kuti kana une zvinetso vachibhadhara havafaniri kurasikirwa nemari.

Ita yakavamba betsera

Car kutenga mubereko isina chikwereti kana Yakabudiswa zvinobatsira chete muchikwata vanhu kuti vane yakatsiga mari yakanaka uye kubhadhara aida nguva. Ani naani kunonoka kubhadhara chikwereti, unogona kuwana muusungwa tariro.

Kuwedzera ngozi, chikamu ane chete zvakanaka divi: nyore nzira nokuda mubayiro chesungano, unofanira kuzviisa pasi kushoma magwaro nokuti pokukurukura chikumbiro, shoko rokuti muripo muduku, akabvumira mangwanani nokuripira muzvikwereti.

Achirumbidza Kunyanya nyasha nguva

Mitemo inopa purogiramu izvo unogona kutenga motokari Yakabudiswa pamwe anonzi nguva nyasha. It unoshanda kana kuvhura nhoroondo zvingangoita kushandiswa epurasitiki kadhi. With mutengi mumotokari kuti mumwe nguva chesungano chisingazozikamwi mhosva yechimbadzo chikwereti. Kunze, unogona kuita chero mari, kunyange kana vari yekudyidzana kupfuura avo raanotaura muripo purogiramu.

Kazhinji, nguva yakadaro nyasha kunotora gore rimwe, uye kana mutengi mubayiro wakazara chitsama mari motokari panguva ino, chokwadi zvinoitika kuti akatenga motokari iri Yakabudiswa.