Ukuthenga imoto ezandleni zakho. Umyalelo wokubhaliswa kwamaxwebhu

Ukuthenga imoto esandleni sakho yinkqubo apho abantu abaninzi bafuna ukuthenga imoto. Enyanisweni, abaninzi abahamba ngeemoto namhlanje bathengisa umzekelo wesibini. Kwaye wonke umntu unezizathu zakhe. Abanye sele beliphupha imoto engasayi kufumaneka kwiirons: ayifakwanga nje. Abanye balinganisela kwisixa esithile, apho ongenakukuthenga khona intsha. Abanye basindisa kwaye bathenge umzekelo okhoyo kwi-salons, kodwa isandla sesibini asibiza, nangona imeko iyafana. Ngokubanzi, kukho izizathu ezininzi. Njengemiba enxulumene nenkqubo yokufumana. Kwaye kulungele ukunika impendulo.

Ukupheliswa komthengi

Ngoko, ukuthenga imoto kwisandla ngokukodwa kuyimvumelwano phakathi komthengisi kunye nomnini wesikhathi esizayo. Leli nqanaba lokuqala lokuthengiselana. Uyintoni na?

Into yokuqala umthengi nomthengisi badibana. Ukuze umntu onokukwazi ukuba ngumnini ukuba ahlole imoto, vavanyo kwaye achaze inani elilungele ukunika lona. Ngokuqhelekileyo kukho into ebizwa ngokuba yi-bargaining hood. Oko kukuthi, umthengi kunye nomdayisi sele bezama ukuza kumgaqo kwixabiso.

Ukuba yonke into icacisiwe ngokukhawuleza, isivumelwano siya kugqitywa ngexesha elifanayo. Olu xwebhu luyifom (leyo namhlanje ingafumaneka lula, kuba isampuli ifumaneka ngokukhululekile yonke indawo), apho idatha yomthengisi kunye nomthengi iya kubhalwa. Kwaye ke, imoto. Emva koko, umthengi unikezela umthengisi imali kwaye uye kwisebe lendlela yamapolisa ukuba ayenze imoto kuye ngokwakhe esele kwisithuthi esisemthethweni.

Imigaqo yokubhalisa

Kungekudala (nje kwiminyaka emibini eyadlulayo) inkqubo yokubhalisa imoto yaba lula nje. Oku akunako kodwa uvuyo. Intetho yokuqala kunye neendlela ezintsha kukuba awusayi kuphinda uthabise imoto kwirejista. Oku kunceda kakhulu ixesha, iingxaki kunye nemali yomthengi.

Okwesibini, imoto inokukhutshwa ngokukhawuleza naphina - nakweyiphi na iofisi yamapolisa. Okokuthi, ukuba umntu uhlala eRostov-on-Don, kodwa waya eKrasnodar ngemoto, unokukwazi ukubhalisa ngokukhawuleza isithuthi kuye. Kwaye amanani okuhamba ayimfuneko. Ngoko ukuthenga imoto ukusuka esandleni kwaba lula nakakhulu kwaye kuyaqondakala.

Imiba okumele uyazi ngayo

Kuzo zonke iimeko, njengoko kuyaziwa, kukho iingcambu. Kwaye kuthengwa imoto ngaphandle kweyodwa.

"Ilitye" yokuqala yimeko yomatshini. Ngesizathu esithile, abantu abaninzi (ngokuqhelekileyo abaxhamli) badidekile yintoni ekho ukuphazamiseka emotweni, kuphela xa bathatha i-TS yexesha lama-80-90. Kwaye umatshini uphando ngokubanzi. Kodwa ngeze, kuba imoto entsha kufuneka ihlolwe kwakhona. Ukuze uphephe ukuxakeka okungonakaliyo (ukuphazamiseka, njl njl.), Umthengi kufuneka agxininise ekuqhubeni ukuhlolwa kwi-SRT (ngeendleko zakhe, ngokuqinisekileyo, kungekhona kwimali yomthengisi). Ngokuqinisekileyo uya kuthetha ukuba emotweni kufuneka uguqule.

Isibini "ilitye" lingumthetho. Kubalulekile ukufumanisa kumnini womshini WIN-code kwaye ukhangele ngesiseko samapolisa endlela, wayesetyenziselwa ukugxila, nokuba ngaba kubanjwe, njl. Ngaphandle koko, unokuhlala ngaphandle kwemali, kwaye ngaphandle kwemoto, ukuba uyithenga ngaphandle kokuqonda le ngxaki.

Kwaye inqanaba lesithathu lukho ukufumaneka kwendawo yamahhala kwi-TCP. Ku fanele. Ukuba yonke into igcwele, umnikazi womatshini uza kufumana isithuthi esitsha ngaphambi kokuba asayine isivumelwano.

Emva kokuphulaphula konke oku, umntu uya kuzinza indlela ukuthenga kwakhe imoto kudlula ezandleni zakhe. AmaSoviet ayenempumelelo kwaye akazange avumele umntu ukuba ahlawule.

Inkqubo yokugcwalisa iSatifikethi seMatriki

Esi esinye esinye isihloko esibalulekileyo. Amaphepha xa uthengisa imoto ezandleni zakho kufuneka ukuba yindlela epheleleyo kwaye igcwaliswe ngokuchanekileyo. Kwipasipoti yemoto kukho iingongoma ezithandathu. Kukho idatha ebhaliweyo yomnini wangoku kunye nomatshini ngokwawo. Kwikholam yokuqala, kufuneka ufake enye idatha. Into yokuqala igama Umnini. Okwesibini, indawo apho umnikazi omtsha womshini ebhalisiwe. Kwakhona ubonise umhla wokuthengiswa kwesithuthi kunye nomqulu oqinisekisa ukuba umntu unelungelo lokufumana le moto. Ukuthetha ngokuthe ngqo, esi sivumelwano sokuthengisa. Ukutyikitya komnini owedlule kuyadingeka. Kwaye okokugqibela kugunyaziso lomnini omtsha wemoto.

Ngaphambi kokuba uzalise i-PTS, kufuneka ukhangele ukuba ngaba yinyani. Ii-Watermark zibubungqina bokuba uxwebhu luyinyani.

Yintoni elandelayo?

Imali idluliselwe kumnikazi wamanje ngumnikazi wangoku, kwaye ke, ekugcineni, wamnika izitshixo kunye nemoto. Yintoni elandelayo? Umgaqo wokuthenga imoto ezandleni uthi emva kwalokhu kufuneka ubhalise ngokukhawuleza imoto kwipolisa yendlela. Oku kunikwa iintsuku ezili-10, kodwa kungcono ukuba ungayiboni le meko.

Ubhaliso luqala ngetekethi yokuhlola. Le iphepha elibaluleke kakhulu, eliqinisekisa ukuba imoto yahlolwa. Ngendlela, kulula kakhulu kwaye ukhawuleze ukuba ufumane i-inshurensi ngekhadi-umgaqo-OSAGO. Nento yokwenza ntoni na? Faka isicelo kwiinkampani zomshuwalense - yonke into iya kuqhutyelwa khona. Ngendlela, malunga ne-inshurensi iya kuxelwa kamva kamva, kuba le sihloko kubalulekile.

Ukuba ikhadi lokuxilonga lidlulileyo, umnikazi omtsha ngokwakhe udlula ukuhlolwa. Oku kwenziwa kwiziko elikhethekileyo, elisezantsi kwintsimi yoMhloli woKhuseleko weSizwe. Ngokuqhelekileyo, kukho amacala amaninzi, kwaye umda wexesha unemihla eyi-10. Ngomnqweno oqinileyo, yonke into ingenziwa ngosuku.

IInshshu

Ngoku malunga nale nto. Umyalelo wokuthenga imoto kwizandla kubonisa ukubhaliswa kwenqubomgomo yomshuwalense ka-OSAGO. Oku kuyimfuneko! Ngaphandle kwesi catshulwa, unakho ukulibala malunga nokuyila kwemoto. Ngethamsanqa kubo bonke abathengi bemoto, namhlanje umgaqo-nkqubo unokukhutshwa kuyo nayiphi na inkampani yinshurensi.

Ixabiso lexwebhu libalwe kwiimeko ezithile. Iyokuqala isixeko. Owesibini nguye owenza imoto: umntu okanye iqumrhu elisemthethweni. Uhlobo lwesithuthi luyimicimbi. Ubudala, kunye namava omqhubi-imeko ebalulekileyo yokubala isixa. Amandla emoto nawo acingelwa. Kwaye ke, ixesha apho umgaqo-nkqubo usungulwa khona. Yaye ibhonasi-malus ratio ithathwa ingqalelo. Le yinkqubo yezaphulelo ezilinganisa inani lemali ye-inshorensi.

Ngokubanzi, kukho imigaqo eninzi. Kodwa ibukeka njani ngokusebenza?

Iyintoni intlawulo yomgaqo-nkqubo?

Ngaloo nto kufuneka uyithenge imoto ngezandla zakho, sele kuthethiwe. Ngoku, umzekelo, sibonisa indlela intengo yomshuwalense ibalwa ngayo.

Ixabiso eliphantsi liya kuba likhutshwa ngumqhubi oneminyaka engama-22 (okanye ngaphezulu) oneminyaka engama-3 (okanye ngaphezulu) yokuqhuba ukuqhuba amalungelo. Kubiza kakhulu xa kungekho minyaka engama-22 okanye namava. Ngokomzekelo, ungathatha umzi waseRostov-on-Don. Imoto yemgibeli enegunya elinama-101-120 ilitha. . Kulo mntu onamava kunye nobudala obuhambelana neenyanga ezili-10 okanye ngaphezulu uya kubiza iiruble eziyi-8 900. Ukuba umnini akanalo i-22 kunye namava, kwakhona ke inani liphindwe kabini.

Ngendlela, kungcono ukuba uhlale uthayununu ngaphandle kokunciphisa inani labaqhubi. Oku kuthetha ukuba xa umntu ebuza umnikazi weemoto ngexesha elithile, unokunika ngaphandle kwamaphepha angaphezulu. Kodwa i-inshurensi engabonakaliyo ithetha ukuba kwisondo le moto kuya kuhlala kuphela umntu othile-umnini. Uyakwazi ukungena kumntu (umzekelo, umyeni uyenza imoto kwaye ubhalise umfazi ukuze nayo isebenzise isithuthi). Oku kuphela kuya kufuna ilayisenisi yokuqhuba kunye nekopi yepasipoti yomntu.

Inyhuwalense eyona yindleko kakhulu eMoscow (ngokungaqinisekiyo). Kukho umgaqo-nkqubo wemoto enegunya elinama-151 ilitha. . Kwaye phezulu, nge-coefficient zero, iya kuba neendleko ezingama-55 zeeruble.

Ukufunyanwa kwemoto esele ithathwe kwi-credit

Kwaye kwenzeka njalo. Ukuthenga imoto yemboleko yinkqubo engaqhelekanga kubo bonke abantu. Eyona nto ibalulekile ukucacisa umbuzo malunga neenzuzo kunye neenzuzo.

Le nkqubo inenzuzo kakhulu kumthengi. Ngenxa yokuba imeko iyaqhubeka ngale ndlela: umntu osandul 'uvalele ukuboleka imoto entsha. Ndaya kuyo, ndahlawula ityala lam ... kwaye kukho iimeko ezingalindelekanga ezifuna imali. Kufuneka sithengise imoto! Isibhengezo senziwe, umthengi ... ohlawula ibhalansi yemboleko aze abe ngumnikazi wemoto. Kwaye oko umnikazi wangaphambili ahlawulwe, uya kwiakhawunti yokuphuhlisa. Nangona ujonge ukuba uhlawule kangakanani, ngamanye amaxesha kufuneka uhlawule ngaphezulu. Ngokuqhelekileyo, ingongoma yinto yokuba umntu unesidingo esikhulu semali uhlala ngokukhululekile kwaye ulungele nantoni na, ukuba kuphela umboleko obuyiselwayo, kwaye imoto yayithengiswa.

Migaqo

Ngoku malunga nemithetho yokuthenga imoto ekhredithi. Umthengi nomthengisi bathunyelwa kwibhanki lomboleki kwaye bafumanise ibhalansi. Emva koko, ixabiso lixelwe kwi-akhawunti. Ngenxa yoko, umboleko uyahlawulwa kwaye "iinqununu" zisuswa kumatshini. Emva koko unokungena kwisivumelwano esivumelekileyo sokuthengisa.

Inani elidluliselweyo kufuneka likhutshwe lifunyenwe, lithembeke ngakumbi. Olu xwebhu luchaza ukuba le mali idalwe kwi-akhawunti yokuhlawulwa kwemoto ethile (babhala umbala weemoto, unyaka wokuvelisa, ukwenza, imodeli, inombolo yomzimba kunye nazo zonke iinkcukacha).

Le yindlela elula. Abanye bazama ukucela ibhanki imvume yokuthengisa imoto, ethembisa ukuhlawula lonke ityala emva kokuthengiselana. Kodwa bambalwa abantu bavumelana nalo. Enye indlela - ukubeka phantsi imoto into ebalulekileyo. Iqonga, indlu, indlu, njl. Kodwa le yimeko yezigidi.

Ungakhetha njani?

Abantu abaninzi banengcamango yokuba abayi kuba neengxaki zokuba nemoto, kodwa uninzi ungazi ukuba yintoni imoto eyokukhetha. Umgangatho oqhelekileyo, kodwa akukho nto eyoyikisayo.

Ngoko, imigaqo ephezulu yokukhetha abaninzi abanini bemoto yile nto ilandelayo: ukuthembeka, iimpawu zobugcisa ezifanelekileyo, ukhuseleko, uqoqosho, umgangatho, intuthuzelo nobuhle. Ngokusemgangathweni, ukuba yonke into edwelwe kwimoto iyaqhelekileyo, yile yile imoto efanelekileyo.

Kodwa abaninzi baqala ukuphulaphula imoto kuphela ngenxa yokuba bafuna isithuthi apho kuya kwenzeka ukuba uhambe khona. Omnye ukhathele ngamabhasi, abanye bacasulwa ngokulinda ibhasi, abanye abafuni ukuxhomekeka kwixesha lokuthutha loluntu. Abantu abanjalo bafuna kuphela uqoqosho (oko kukuthi, mhlawumbi nge-injini ye-diesel okanye nge-hybrid) imoto eya kuzalisekisa umsebenzi wayo oyintloko-ukuhamba. Kwaye iimoto ezisuka kule nqanaba zizona zithengi. Ambalwa amashumi amawaka ukuthenga ngokwaneleyo. Eyona nto "iToyota Crown" kwimeko enokunyamezela (iminyaka engama-90 yokukhululwa) iya kuba neendleko ezingama-ruble ezingama-50. Okanye "i-Opel Cadet" yeetoni ezingama-40 zep. Kukho ukhetho, kwaye ukuba ufuna ukuthenga imoto eqhelekileyo ukuhamba ngendlela efanelekileyo, ngoko awukwazi ukukhathazeka, kukho ukhetho olufanelekileyo, kwaye unako ukuthetha.

Ukutshatyalaliswa kweengcamango

Kwaye ekugqibeleni ndifuna ukuthetha inyaniso ngeemoto. Abaninzi bakholelwa ngokugqithiseleyo ukuba imoto enezandla yinto ebi kakhulu. Akunjalo! Kukho imoto "yabantu abadala" yee-90, i-zero kunye neyesishiyagalolunye zokukhululwa, ukuba izinto ezininzi ezenziwayo zabanye abakhiqizi ziya kuba zibi kakhulu. Thatha, umzekelo, inkolo "Mercedes". Kwinqanaba le-124, ngo-201-m, 123-m. Ezi ngokwenene "amahashe esinyithi", ahlala nanamhlanje, kwaye akhonza abanikazi abatsha, ukuba ndingathetha njalo, ngokholo nenyaniso. Ezi matshini azidilizi - inyaniso evunyelwe ngokubanzi.

I-"Audi" efanayo - inokhetho oluthembekileyo, "iVolkswagen." Abantu abaninzi bathenga imifanekiso yaseYapan yaseYamerika, aseMerika. Ukuba abanikazi bokugqibela babesilungileyo, imoto iya kuba yimeko ehle kakhulu. Into ephambili kukuba umnini omtsha amphathe ngendlela efanayo.

Yaye ukuthenga iimoto ezisesandleni sesibini unyaka okanye amabini ibhizinisi elinenzuzo kakhulu! Ngoko ungathenga imodeli kwimo emitsha engcono ngo-1/3 engabizi ngaphezu kokuthengiswa kwi-salon. Abantu abaninzi bakwenza oko.

Ngokubanzi, kukho ukhetho, kodwa indlela yokwenza ukhetho, oku kusele kumthengi onokuthenga.