Car mboleko okanye abathengi ngetyala: kukulungele ngakumbi? Yeyiphi mboleko ukukhetha: reviews

Ngokutsho manani, iindleko avareji yeemoto eRashiya uza 800 000 bagcobe. Kubalulekile ukugxininisa into yokuba eli nani inokwahluka ngokuxhomekeke kwingingqi, umzekelo, kummandla Maritime, esi sixa unako ukufikelela amanani kwesiqingatha sesigidi engange. Ngophanya nje lweliso, kucacile ukuba ezi mali akanakuba umntu elula esitratweni ukuze baziphilise nkqu ngonyaka. Ukunceda, njengokuba onke, kuza ngemali. Ngokuqhelekileyo abantu bebuza, "Car mboleko okanye yomboleki yeentengo zemboleko, nto leyo kukulungele kanye?". Ukuze wenze ugxininiso ngakwicala le okanye elo hlobo liboleke abanye, kuyimfuneko ukuchonga emacaleni ezilungileyo nezingalunganga imoto kunye kakubi mboleko.

mboleko Car: elungileyo nengalunganga koko

1. Ithuba lokungena mboleko kwi showroom. Ngenxa yobukho encinane imali ukuba intlawulo phantsi mboleko, ungenza isicelo, ngaphandle lemka garaji.
2. A program ebanzi mboleko zemoto. Phantse zonke iibhanki zinika iinkonzo mboleko yokuthenga i "ihashe intsimbi". Ngenxa yokuba xa usenza i mboleko ibhanki iya ngokuzenzekelayo ukuzikhusela ngokwabo bubukho izibambiso, isigqibo malunga imvume mboleko elifana neli kakhulu ngakumbi rhoqo ngaphezu isigqibo ngetyala yabathengi.
3. umyinge wenzala Low. Ngokungafaniyo mboleko yabathengi, apho umyinge wenzala kwi mboleko yi-20%, mboleko imoto kule nkalo limi kwi umyinge wenzala kwi mortgage - 11-12% ngonyaka. Declaration by Motors General ekuqaleni kwalo nyaka malunga nokunyamekelwa kwezi umenzi American kunye noshishino imoto Russian, ngenxa yokuba ukuwa kwemfuno zabathengi iimveliso zayo wenza kube lula kwabaphuhlisi ezinye iimoto zinika amaxabiso ukuba ababoleki: i inzala-ixesha yonke ephantsi kwi-mboleko - 5-6%, okanye kuswela kuphele. Nangona imeko yezoqoqosho kweli lizwe yothuba elithile ukuba oyifunayo, ayikwazanga kangcono yokuthenga imoto kukulungele kanye eli xesha. Kakade ke, xa lo mbuzo: "Car mboleko okanye yomboleki yeentengo zemboleko - kokona kulungileyo," ngaphandle kwamathandabuzo, imali-mboleko ejolise ukuba athenge imoto, kule nkalo, iyandoyisa.
4. Ukungakwazi ukuthengisa imoto amaqela esithathu. Xa iibhanki mboleko imoto kusoloko uthabathe isibambiso sakho ukuba athenge imoto, kwaye TCP ebhankini phambi komhla we-mboleko. Kwimeko lokungahlawulwa kwemali mboleko na iziko lamatyala ithatha emotweni yakhe. Kodwa apha ungaya kwezinye iqhinga, ukuba awunayo izibonelelo zemali eziyimfuneko ukwenza intlawulo yenyanga kwaye ekhohlo "nepokotho kanye." Ukuze wenze oku, kufuneka uye emapoliseni izithuthi, ukuba ubhale ingxelo malunga ukulahleka TCP kwaye emva komzuzwana uwufumana. Ngoku kuthengisa imoto uze uhlawule semali-mboleko. Ke zonke ezi zenzo mthethweni!
5. inshorensi elisisinyanzelo Hull. Xa ufaka mboleko imoto, zonke iibhanki ukuba compulsorily ebekwe kwiinkonzo abathengi ukuba inshorensi igobhogobho, uthanda ukuba okanye hayi. Kunoko, oko ekwenza egameni iibhanki ukuze bazikhusele.

Yomboleki yeentengo zemboleko: nobubi

1. Ukusetyenziswa kwemali xa ngokokubona kwayo. Ngenxa mboleko ekhutshwe zokuphambukisa kukho amathuba ukuthenga imoto ezakusetyenziswa ixabiso elingaphantsi, ngokuchaseneyo-mboleko yemoto, apho iimali zikhutshwa yokuthenga imoto entsha kuphela, ngaphandle inqabile b / y.
2. Zalisa nokulahlwa imoto yakhe. Kakade ke, oku iadvanteji kuyilo le hlobo mboleko. Unako ukuthengisa, utshintsho, ubeke isibambiso "umhlobo" wakhe, musa ukuwela umgca yomthetho.
3. Ukuba nokwenzeka ukusilela ekufumaneni ngetyala. Ayizizo zonke iibhanki abakulungeleyo ukukunika imali yabo, ukuba akukho akananto okanye iziqinisekiso. Kule nkalo, i imoto okanye yomboleki yeentengo zemboleko - leyo kukulungele? Kakade ke, ukuthenga imoto ekujoliswe mali ebhankini.
4. kwenzala olunzulu. Ukuziqhelisa, amaqondo enzala ngetyala umsebenzisi usoloko ezingama-mboleko zemoto.

Car mboleko okanye lokuthenga: ncomo

Njengoko ukubuyekeza, inkoliso yabantu Russian ukhetha ukusebenzisa mboleko zemoto, ukuhoya zabo into yokuba olu hlobo kubolekisa kulula kakhulu ukufumana, ngaphandle engeyomfuneko "kobuxhakaxhaka", kwaye saxolelaniswa yokuba PTSD eseliganiwe ebhankini.

Kodwa kukho abo bachasa ngamandla, ekhokelwa kukuba xa uthenga imoto ngetyala yabathengi abantu bayakwazi ukusebenzisa kuyo ngokwengqiqo yalo: ukuba athengise, ukutshintsha, ukunika njalo-njalo.

Car mboleko okanye uLwazi loMsebenzisi weNtengo yeTyala - kokona kulungileyo? 2014 njengoko sisalathisi kozinzo zemali

Ukuwiswa kwezohlwayo, ukuwa kwamaxabiso e-oyile, kwakhokelela kozinzo engange. Kulo mba, uninzi kweebhanki lonke Russia ziye some imiqathango ukufumana yomboleki yeentengo zemboleko, iyenza phantse nzima ukufumana umphakathi umvuzo omncinane. mboleko imoto phantse alichatshazelwa, ngaphandle anganivusa encinane ngonyaka umyinge wenzala, yaye iimeko tezhe. Ke emva koko, mboleko imoto okanye uLwazi loMsebenzisi weNtengo yeTyala - leyo kukulungele? Ngo-2014, i-ephambili ukuba imoto, ngokulula walo nokulungiselela kunye nezinga lenzala encinane.

Sberbank "uphendulela" mboleko zemoto

Sberbank nguye ummeli inkulu egcina imali karhulumente. Phantse yonke imizi bakhonza kule bhanki. Akaphindi ukuphepha icala kunye nemoto mboleko. Kodwa ngenxa yeemeko ezikhoyo kweli lizwe, i-Savings Bank ekupheleni kuka-2014 walile mboleko zemoto yaye yasiwa le misebenzi umntwana "yibhanki Setelem". Ngoko ke umbuzo wokuba ingaba kubhetele ukuba ukuthatha - mboleko imoto okanye lwamatyala omsebenzisi kwi Savings Bank, awungeni ndawo. Ukuba umthengi rhoqo ebhankini, kufuneka ukuba uthembele kuphela mboleko yabathengi.

Ukuphonononga ye Savings Bank of kwinkqubo yangaphambili mboleko zemoto

Umbuzo oko kulungele mboleko imoto okanye umboleki idla luxoxwe kumaqonga credit kwi Savings Bank? Ukuphonononga lubonise ukuba abantu abaninzi bakhetha ukuba uthathe imali-mboleko yokuthenga imoto kule ebhankini, ngenxa inzala eninzi, xa kuthelekiswa namanye amaziko ezemali. Ke inxalenye yabantu namanje elinde kwakhona-mboleko zemoto ukusuka kwinkqubo ebhankini.

Yintoni mboleko imoto kungcono okanye mboleko abathengi?

Ukuphendula lo mbuzo: Car mboleko okanye yomboleki yeentengo zemboleko - leyo kukulungele kanye ", kububulumko ukuba sihlale mboleko auto ephambili kuba, okokuqala, umyinge wokuphelelwa mboleko usoloko asezantsi kakhulu, kwaye okwesibini, phantse zange kufuna ukubandakanyeka amaqela angaphandle ukuqhubekekisa-mboleko kunye. eyesithathu - ezininzi iibhanki zinika bonus, iinkqubo ezikhethekileyo ze-mboleko yemoto kwaye mzuzu lobunzima ngamanye amaxesha zingathathela imoto ngetyala kunokwenzeka ngaphandle ezigqithisileyo ukuba uyisweleyo ukuqonda amaphupha abo - .. uthenga imoto - kakhulu kancinane, kungcono ukuthatha ngetyala umsebenzisi. Oku kuya konga kwi ntloko zazo.