I-mboleko imoto kuFeliks: imiqathango yeebhanki. Yintoni inzuzo ngakumbi - mboleko auto okanye lokuthenga?

Xa ufuna ukuthenga imoto kodwa musa ukuba imali, ungenza alimi i mboleko. yebhanki nganye inikeza yawo: imigaqo, inzala kunye nezixa kweentlawulo. Konke oku kuyimfuneko ukwazi mboleki kwangaphambili ngokufunda amaxabiso-mboleko zemoto.

Phantse zonke zokuzilungisa Imitshini ukusebenzisana kunye neebhanki, ukuze abathengi nga amalungiselelo kwangoko impahla. Kodwa kufuneka kuqala wazi kunye ngokwemiqathango yenkqubo ukhethe enye efanelekileyo. Kaninzi babe neempawu zabo.

Ukukhetha Iimpawu credit

Ukuba mboleko imoto senziwe kwi showroom, wena ngokuqhelekileyo wenza iinkonzo yeebhanki eziliqela kunye neemeko zabo, imiqathango kunye kwenzala. ukhethe njani na? Asimele sukela kulo mba, kwaye simazi kakuhle izivakalisi ezimbalwa. Okokuqala kufuneka isicelo ebhankini, elikhuphe Umvuzo. kubaxumi rhoqo iimfuno kusengqiqweni. Thina nje kufuneka afunde yonke into malunga mboleko imoto.

Ukuze ukusebenzisa imoto kuFeliks ngaphandle kwenzala, kodwa oku. Ukubonelela isithuthi kunokwenzeka kuphela phantsi eli bhaso. Nokuba isivumelwano ayikho yipesenti ikhomishini iya kubalwa kusetyenziswa mboleko.

credit evumayo

I-mboleko auto inzuzo - abo kwale miqathango ilandelayo iyasebenza:

• ipesenti esezantsi zonke-time intlawulo;
• ukuba zinike ipasipoti uxwebhu yesibini;
• ngaphandle kokubeka imali;
• Akuyomfuneko ukuba ukunika ilungelo 2-NGOBUCHULE;
• CASCO akuyomfuneko ukubhalisa;
• Nayiphi na imbali credit;
• amagama nezimo.

mboleko imoto inzuzo ngaphandle kwentlawulo phantsi, kodwa kusafuneka ukufumana ibhanki kunye neemeko ezinjalo. Nangona kulo mzekelo kukho amazinga enzala amathuba ephezulu.

inkxaso karhulumente

mboleko Car phantsi kuncomekayo kuthathwa kwimigangatho eyahlukeneyo. Le meko libandakanyeka. Ukuxhasa le program mboleko wemoto abaqhubi wadala. Ngokusekelwe kulo, urhulumente ukuba iibhanki ezisebenza iinkonzo data. Mali isetyenziselwa ukuhlawula inxalenye yemali-mboleko, ukuze agents amazinga aphantsi. Iimpawu ezizodwa mboleko yokuthenga imoto ziquka oku kulandelayo:

• unako ukuthenga iimoto, ubunzima apho ayidluli 3.5 tonnes;
• Isavenge sokuqala - 20%;
• izinga - ngaphezulu akukho kwe 2/3 ye-Central Bank rate.

Down intlawulo: elungileyo nengalunganga koko

Bathandwe mboleko imoto ngaphandle kwentlawulo phantsi. Inika nje kuphela imali ukuba ndibhatalwe, kodwa ukubheja. Ukuba wenze intlawulo yokuqala, i eseleyo imali ofanelekileyo egqithisileyo iya kuba lincinane. I-mboleko zemoto kuFeliks babe intlawulo yokuqala malunga 10-30% yale mali-mboleko.

Izinto eziluncedo zenkonzo ngaphandle kokuba intlawulo phantsi usendleleni yokuba imoto zifumaneka ngokukhawuleza, ngaphandle utyala imali yayo. Kodwa njengoko nezicelo kunye nentlawulo uza kuxhoma umgangatho, kubalulekile ukubala amathuba intlawulo. Kuyacetyiswa ukuba usebenzise ulawulo lusebenza ukucikideka; ngokuba zonke iimfuno usapho kufuneka ahlale malunga nama-60% omvuzo. Ukuba ingaphantsi, akuyomfuneko ingozi.

Apho ukufumana imali-mboleko imoto entle ngaphandle intlawulo phantsi? Iinkonzo ezifana kubathengi ezisebenzayo "HoumKredite", "AyManiBanke", "Loco Bank". Ukugcina kwiintlawulo inzala kufuneka ukuba sifakwe kungasalanga ngaphantsi kwe-20% yexabiso zothutho. Kuyimfuneko ukuba uthenge MTPL kunye CASCO.

Features mboleko yokuthenga imoto ngaphandle nesigcina

I-mboleko zemoto kuFeliks zikhutshelwa ngaphandle ntloko. Nangona malini sitshiphu, kodwa kukho iingozi ezithile. Nokuba buhle mathuba ezimbi elide:

• ingxenye enkulu;
• isavenge sokuqala umkhulu ngokwaneleyo;
• Ezinye iibhanki - intlawulo yokuqala;
• xa i ingozi kuya kufuneka alungise imoto imali yabo, kwakunye ukubuyekeza elinye iqela;
• kuba nako ukuthenga imoto kunye mileage.

Apho ukufumana imali-mboleko imoto entle ngaphandle nesigcina-ntloko? isithembiso sakhe ku "UniCredit Bank", "Tatfondbank", "Rosbank", "Credit Yuruphu Bank". Ukuze akhuphe mboleko okanye hayi - wonke isigqibo ngokwakhe. Kufuneka kuqatshelwe overpayment, nto leyo eya kuba ngaphandle kokukhupha inshorensi. Kwakhona kufuneka bawuqhele zonke bokuqonda eziya kunceda amalungiselelo mboleko yemoto efanelekileyo. umdla eyingenelo phantse lonke ludlala indima ebalulekileyo.

imbali credit

Amaxesha amaninzi, iibhanki ikhuphe isigqibo elibi kubonelelo imali yokuthenga umatshini, leyo unobangela imbali elibi kwicala lamatyala. Kodwa ithuba elihle yokufumana ukunyuka mboleko imoto kakhulu. Kwakhona eyaziswa ndawo. Nokuba obolekayo in ukulungele ukuthatha indlela ndinoxanduva lokuhlawula ityala eli xesha, njengoko kulindelekile, hayi zonke iibhanki bakulungele ukusebenzisana naye. Kodwa kukho ezinye.

Abanye musa nokuba uthathe ingqalelo imbali ngetyala. kukho kuphela ngoko kuya kuba sezantsi-inzala, amagama bhetyebhetye. Kusenokufuneka ukuba akananto okanye isingqiniso. Ngokuqhelekileyo mboleko imoto sikhutshiwe le miqathango ilandelayo:

• ingxenye enkulu;
• ngokunciphisa ixabiso emotweni;
• mboleko lwexesha elifutshane.

Amaninzi le moto ngohlobo izibambiso ebhankini. Nababolekisi zifuna ubonelelo kwezinye iindawo bayalingana kumatshini iindleko. Loo nto iya kufuna ingxelo yengeniso, ikopi yale ncwadi yomsebenzi, intlawulo sokuqala. Isigqibo sokuvuma-mboleko kunye nembali embi ngetyala sithathwa ngamnye, kuthathelwa inkcazelo ingqalelo malunga client.

Car mboleko okanye lokuthenga?

Ngenxa yokufuna kumatshini kukho umbuzo: "? Yintoni inzuzo engaphaya - mboleko auto okanye yomboleki yeentengo zemboleko" Ukuze siphendule lo mbuzo, kufuneka ufunde imigaqo zombini nkonzo. Ahluke ngokoMthetho, inzala, iimali unikwe.

mboleko Car Sineqondo ephantsi - 10-17%. Oku kungenxa yokuba kulo mzekelo, iibhanki umngcipheko mncinci kuba imoto linikwa kwi ngohlobo wammela lonke ixesha imali. Kodwa mboleko imoto kukho iimpazamo ezininzi. Customer kufuneka ahlawule intlawulo ephezulu phantsi kuthenga CASCO ukunika mali.

lokuthenga kusilungele yezi zizathu zilandelayo:

• kuyenzeka ukuba athenge imoto kumntu labucala, kwaye ke ungagcina;
• Akuyi kufuneka ukuba i-inshorensi;
• uyakwazi Ungayihlawulwa ungakhange wohlwaywe.

Yintoni nenzuzo - mboleko auto okanye yomboleki yeentengo zemboleko, ukuba phezulu ukuya client. Ngapha koko, iinkonzo ezimbini zebhanki babe pluses zabo minuses. Kuyimfuneko ukuba bathembele yengeniso, isithutyana kunye nezinye izinto.

Ukukhetha umnikelo enomtsalane

Ukuba oyifunayo, ukonga ukuthenga umatshini kufuneka ithathelwe ingqalelo ezinye bokuqonda. Iibanki eninzi iingcebiso, phakathi apho ungakhetha mboleko zemoto kakhulu lula. Kucetyiswa ukuba basebenzise inkqubo karhulumente. Umzekelo, ukuba unemouse imoto omdala ngaphezu kweminyaka eli-10, oko kufakwa ngokurisayikilisha. Inika ilungelo lokufumana isatifikethi, ngokutsho apho isaphulelo ukuthenga imoto entsha.

inepesenti esezantsi ezifumaneka kwi-Savings Bank, "VTB 24" kunye namanye amaziko inxaxheba kule program yenkxaso karhulumente. Umntu unelungelo lokukhetha ibandla imoto Russian okanye langaphandle ethe yaveliswa eRashiya.

Ukongeza inzala, kuyimfuneko ukunikela ingqalelo kwezinye iimeko zemboleko echaphazela imali yentengo. Kwezinye amaziko, kukho intlawulo yesicelo intlawulo yokuqala ematyaleni. iinkqubo emininzi ifuna inshorensi umbutho iqabane ebhankini, kuba apho kuya kufuneka ukuba ahlawule, kakhulu.

Uyacetyiswa ukuba bathathele ingqalelo izindululo yeebhanki eziliqela. Kufuneka kuqala ubale isixa sentlawulo yenyanga, elithi mboleko. Kuphela xa isindululo yanelisekile ngokupheleleyo, uyakwazi ukukhetha. Kuyimfuneko ukuba ufunde ukwenza njani imali-mboleko sisihle ngakumbi. Ngokuqhelekileyo, le egqithisileyo lingaphantsi kwe ukuba isivumelwano kunye ebhankini, kunokuba kule ndlwana.

Kuyimfuneko ukucacisa iinkcukacha ezifana ubungakanani isavenge sokuqala, ithuba intlawulo yokuqala ematyaleni. Ezinye iibhanki ukuhlawulisa umrhumo inkonzo-mboleko, vula i-akhawunti. Le nkcazelo kuyimfuneko ukuqonda nokubhaliswa kwesivumelwano.

iinkonzo labarhwebi

babe ngabasebenzi ngetyala okanye abalamleli kumashishini eenkonzo zemali. Nangona abaninzi abanqwenela ukwenza izicelo oyingcali enjalo. Ngenxa yesizathu esibalulekileyo. Emva koko, aya kuyinyula oluza ilungileyo phakathi kwabo zimelwe. Ngamancedo okusebenza kumthengisi zimi ngolu hlobo lulandelayo:

• ezikhethiweyo zisekelwe phezu iminqweno zenkqubo client;
• kukho inkqubo uphendlo yingenelo kwixesha elifutshane okanye elide;
• Ungasebenzisa ngezavenge inzala-free;
• umxhasi akufuneki ukuba bazibandakanye ngokuzimeleyo embhalweni kuyilo;
• isazi icebisa abathengi kwimiba yomthetho.

iinkonzo labarhwebi zihlawulwa emva Thabitha. Isigulane ithuba kongiwa, njengoko inkqubo yingenelo ikhethiwe. Ngentsebenziswano kunye umthengisi kwi isicelo idla wasinika sigqibo.

Ngubani Wakhanyela ukufumana mboleko imoto entle?

Kukho iimeko Bakuba bekhanyela mboleko imoto entle:

• ukuba awunayo imali ngokwaneleyo ukudibanisa kucwangciso elifutshane;
• Machine kwiminyaka engaphezu kwama-10 eyadlulayo;
• imoto wasemakhitshini kwiminyaka engaphezu kwama-5 edlulileyo;
• imoto ixabiso eliphantsi;
• CASCO singenziwa;
• umxhasi angazishiyi imoto yakho njengesiqinisekiso.

Ukuba ufuna ukuthenga elisetyenziselwa okanye imoto cheap, kungcono ukukhetha mboleko yabathengi. Oku kuya konga kakhulu wena ukuba wenze ngaphandle eziliqela iisevisi ezongezelelweyo. Ukuba uza kuthenga imoto entsha, iimali-mboleko zemoto ogqibeleleyo.