Chii purogiramu zvaunoda motokari chikwereti?

Private motokari - zvakanaka nharo mashoko akadaro haagoni vose. Zvisinei, kutenga ichi hachisi chisingakoshi, uye zvipe kuti atarire Motor Show asingatogoni vomunyika yedu yose. Ndokusaka nerimwe gore iri kuwedzera kukurumbira motokari zvirongwa chikwereti chinogona zvikuru zvakasiyana. Uyewo, kwemakore anoverengeka, pane zvaunoda motokari chikwereti purogiramu vokuRussia. Zvisinei, zvinhu zvokutanga pakutanga.

How kuwana chikwereti pamusoro motokari

To musi, pane nhatu kutenga motokari nechikwereti. Car chirongwa:

Basic. chirongwa ichi zvakafanana inowanzotorwa mutengi anomukweretesa. Kunoitawo kuti kutenga kushandisa zvose motokari itsva uye kushandiswa, uye haakoshi, zviri zvipfuwo kana dzimwe kugadzirwa. Kubva nguva okutambirwa mari anokwereta anopiwa pasina mazuva anopfuura 90 ari Kusarudzwa uye kutenga motokari. Mushure kutenga motokari inova kubhengi vimbiso. Chitsama chivimbo chikwereti inogona kusvika mamiriyoni 5 rubles, uye chimbadzo yakakwirira sezvinoita 20%. Mari nderei purogiramu zvikwereti motokari dziripo kusvika 5 years.

Affiliate. Ipfungwa Izvi zvinenge zvakafanana inokosha avtosubsidirovanie chete musiyano chete nokuva kuti zvinokwanisika kuderedza zvimwe chimbadzo pamusoro chikwereti, kana ukatenga motokari iri yokutandarira, iyo ishamwari anomukweretesa Bank. chirongwa ichi chine payakaipira dzakawanda:

• kutenga motokari nenzira iyi haazobudiriri;
• kusarudza kurambidzwa kune mienzaniso zvinoitwa nenzira chaiyo showroom;
• vachava kugadzira mupiro dzinenge 20% kwokutanga.

The State chirongwa kuti zvaunoda motokari chikwereti. The chikwereti uwandu purogiramu yakadaro kungava 85% of mutengo ane motokari, asi haagoni pfuura 800 zviuru. Rubles. Shanduko nguva - anopfuura 3 kwete nemakore. Musimboti kwehurongwa zvaunoda motokari chikwereti ndechokuti chikamu yechimbadzo chikwereti anotsiva mamiriro kwamuri, izvo yekudyidzana kunoderedza chimbadzo nokuda anokwereta. Mwero dzinopiwa kwakadaro kunoreva kunobva pachido CBA refinancing zvazvingava Zvisinei mune nechimwe angava akasiyana.

nhoroondo mashoko

Zvaunoda chirongwa motokari chikwereti yakatanga akaedzwa muna Russian Federation munguva 2009 dambudziko. Chisarudzo ichi, pamwe chete nepurogiramu marara motokari ekare akabatsira kuchengeta yerera mudzimba automakers uye yekudyidzana ndiwedzere zvikepe vokuRussia. Zvisinei, purogiramu zvaunoda motokari chikwereti wokutanga akanga wandei zvaaikanganisa:

1. Zvakanga pakutanga zvakagadzirirwa kutsigira kambani "AvtoVAZ", sezvo avhareji mutengo motokari pefiyumu ichi havana pfuura 350 zviuru. Rubles.
2. Lineup, aifarirwa Bazi Industry nokuda Implementation purogiramu, aiva mazita chete 10, saka nevatengi zvikuru sarudzo haana kuwanikwa.
3. Chimwe akaipa chinhu mubvunzo rakanyatsojeka yakakwirira kwokutanga mubhadharo - kanenge 30% of kukosha motokari. Isai zvakafanana panguva imwe chete angarega kwete vose.

Kunyange zvakadaro, nokufamba kwenguva, purogiramu dzawana mukurumbira, kwokutanga mubhadharo yakanga vagovane, uye kuwanda kwakaita kuwedzera kashanu. Nhasi tinogona kutaura chokwadi kuti zvaunoda motokari chikwereti chirongwa ndiyo nzira yakakurumbira kutenga motokari pachako. Zvisinei, panguva dzakasiyana-siyana avtosubsidirovaniya chirongwa anomiswa, ipapo dzakatanga zvakare, uye akanga zvikuru gakava kana kuramba mune ramangwana riri avaida 2015.

A pasi idzva motokari

Pasinei nokuti kuitika mune zvoupfumi rakanyatsojeka kusagadzikana, pamwe April 1, 2015 akawana mutsva purogiramu zvaunoda motokari chikwereti. List kuti car wakashamira 50 nzvimbo, zvisinei, akatanga itsva ezvinhu: motokari vawana purogiramu yakadaro inofanira kuva ya2015.

Saka, zviri pachena kuti pamazita motokari zvaipiwa kuti kutenga mugore Kuyerera zvikuru kwazvo uye hakugumiri epamba yokutevedzera.

Auto kweretesa Terms

Muna 2015, uyewo achinja uye vamwe zvinodiwa kuti nyaya motokari chikwereti pamusoro wakakodzera mazwi:

• zvachose mutengo motokari yakatengwa pasi mashoko concessional achiposa anogona haapfuuri mamiriyoni 1 rubles;
• kufadza zvaibvira chitsama chikwereti - 800 zviuru Rbl;..
• shoma chikwereti mari inogona tsunga pamahombekombe pachayo;
• Zvikwereti anowanikwa chete rubles Russian;
• motokari kuti mutengi kuda kutenga, zvinofanira inounganidzwa munharaunda Russia;
• Rori havazokwanisi kutenga nenzira yakadai, sezvo zvachose guru muenzaniso vakasarudzwa havagoni kupfuudza 3.5 matani;
• kuti chikwereti inogona wakabudiswa kwenguva isingadariki mwedzi 36 (3 years);
• yakatengwa motokari haafaniri kunge kare yakapiwa dzinongoitika vanhu uye inyoreswe (kunyoresa) achitevedza mitemo Russian;
• anomukweretesa zvazvingava rinowanikwa sezvo kusiyana chimbadzo waiti ari kondirakiti ane sangano zvemari, uye-zvikamu zviviri kubva muzvitatu refinancing mwero Central Bank of Russian Federation panguva processing chikwereti chacho;
• dzosera rinongoshandisirwa wakaiswa-rokuti mubereko prices;
• prepayment (pasi muripo) ndiyo 20%, asi pangava zvakawanda (akumbirwa mukwereti);
• Credit anogona chete kuwana vagari Russia.

ndiko kuti Interest Rate

Saka, zvaunoda motokari chikwereti chirongwa kunopa nekuripira chete chikamu yechimbadzo chikwereti, izvozvo zvinoenderana magetsi refinancing mwero vakagamuchirwa nokuda Central Bank of Russia. Achiita nyore Masvomhu, unogona kuwana pachako, vangani vane kubhadhara neimwe nyaya. Kuti aite izvi, shandisa mano payakavakirwa:

Ps = Ac - 2/3 X neMuridzi, sezvamakaropafadzwa:

• Ps - wegore chimbadzo;
• Gc - the interest chaizvoizvo nenguva vanyorwa chikwereti pasi mureza Zano achirumbidza;
• NeMuridzi -% refinancing by CBR panguva mhedziso chesungano.

Muna 01.04.2015, kuti refinancing mwero iri 14%, izvo zvinoreva dzayo kuti recoverable chikamu ndiyo 9.33%. Saka, kana iwe enda kubhangi kuti anopa motokari chikwereti pa 20% chete annum, uchishandisa mamiriro vanobatsirwa zvirongwa, achaita kubhadhara dzinokwana 10,67% pagore. Chokwadi, nechigadziko prices panguva mabhanga zvakasiyana, saka mumwe nomumwe kana kuverengwa mugumisiro uchava zvakasiyana.

Dzinokosha tigozvarwa motokari chikwereti

Nokuti motokari chikwereti pane kuderedzwa chirongwa, anokwereta hauna zvavakatemerwa chero anokosha zvinodiwa. Chokwadi, bhengi neimwe ine mitemo yawo, uye mamiriro zvingava siyanei, asi avhareji mufananidzo anokwereta anova sezvinotevera:

• A mugari wenyika Russian Federation haana muduku pane 21 uye hapana vanopfuura makore 60;
• It ane zvachose nzvimbo basa kweinenge kare 6 mwedzi;
• vakanyorwa uye anogara munzvimbo imwe pamahombekombe basa;
• akakwanisa kusimbisa kuvapo vachiwana mari inokwana rendi.

Kubva kwedu ruzivo, tinogona kutaura kuti kune nzira 2 chete, izvo zvinogona kurambwa zvaunoda avtossud: yakaipa chikwereti nhoroondo uye kuvapo vana pasi pemakore mwedzi mitanhatu (vakadzi).

mamwe zvinodiwa

Pasinei nokuti zvaunoda motokari chikwereti chirongwa vanotarisa anenge zvakafanana mune zvose rwezvemabhengi nemapazi, vamwe nzira vangave siyanei:

• garo anomukweretesa zvazvingava (imwe kubva izvo zvichashandiswa deducted subsidy);
• Minimum nguva uyo chikwereti unoitwa;
• zvinodiwa anokwereta, noruremekedzo kuti urefu basa uye muhoro;
• kudiwa mamwe rubatso kana rubatso kukwezvwa;
• shoma chitsama chikwereti;
• kudiwa kunyoresa (kunyoresa) zviri nechikwereti mudunhu, apo chikwereti iri rakapa.

zvinyorwa

Kazhinji, purogiramu zvaunoda motokari chikwereti zvinoratidza kuti anokwereta anotevera magwaro:

• vehurumende pasipoti yacho anokwereta, uyewo wake (murume), kana kuti chikwereti akaroorwa;
• zvakanyorwa mvumo nemamwe naye kuti uchatamisa motokari sezvo rubatso kubhangi;
• chitupa chokutyaira (kana);
• Background 2-gomba (mari);
• motora kubva mubhuku wechibharo, pamutemo vanopupurirwa panzvimbo yepasisa basa;
• kuti okutengesa kondirakiti kana gwaro nhoroondo kabhini, kuratidza kukosha motokari.

Nekuti sangano rimwe anoitisa ayo chikwereti gwara, ndandanda zvaida magwaro anogona zvakasiyana-siyana. Zvisinei, kuti sanyorwa mutemo ndechokuti pfupi kuti chikwereti izwi uye refu kwokutanga muripo, rezasi magwaro kwaidiwa Bank.

Where kuzochera chikwereti yakadaro?

Saka, chii chinoumba zvaunoda motokari chikwereti purogiramu, zvimwe kana zvishoma zvakajeka, uye pazvinobvira kuti ape chikwereti kwakadaro? Pari, mazita rwezvemabhengi masangano Russia, nechipiriso kushandisa mabasa akadaro haisi kunotsanangurwa, saka nechimwe chinofanira kujekesa kana zvichibvira kuwana mamiriro dzinopiwa. Zvisinei, tinogona kutaura nechivimbo kuti ndaza iyi refu chaizvo uye, pakupera 2014, zvikavavarira kusvika kumasangano anopfuura 130. Pakati pavo:

• Sberbank.
• "VTB 24".
• "Uralsib".
• "Gazprombank".
• "UniCredit Bank".
• Bank "Saint-Petersburg".
• "Soviet" kubhengi.
• "AK mazariro" Bank;
• Bank "BTA-Kazan" uye vamwe vakawanda.

Saka kuwana akakodzera chisarudzo uye kushandisa zvaunoda motokari anomukweretesa chirongwa Russia muna 2015 hakuzovi kwakaoma.