Umvuzo Car: zonke bokuqonda ukuthenga

Kuba kubantu abaninzi into yokuba ukulungele ukuthenga ekuqaleni yobomi yayo elizimeleyo imoto. Thenga imoto olungileyo ukusithenga. Imoto iyindlela ebalulekileyo intshukumo, ingakumbi ukuba kusetyenziswa ukubana ukuya nokubuya emsebenzini kunye nohambo rhoqo. Kuba udidi abantu abanayo nemali eyaneleyo ukuze kuthengwe isithuthi, imveliso iya kuba imoto ngezavenge. Enyanisweni, le nkqubo-mboleko ngaphandle kwenzala ukuba kuthengwe modeli ithile yemoto.

A incinane

Ngokuba lixesha lokuqala ukunikela mboleko inzala-free ukuba athenge imoto ethetha ekuqaleni-imi- 80 lwekhulu XX. Ngeli xesha omnye automakers ezinkulu American wagqiba ukuba bathengise imveliso yabo, ngokubonelela iimeko ezithandwa kakhulu iintlawulo abathengi. Ukuba umntu akanayo imali yokuthenga imoto, wathenjiswa ithuba lokwenza imali kwangoko, yaye isixa-mali esisashiyekileyo lwabelwe inani elithile leenyanga. Le ndlela isoloko kuphuculwe, kwaye kungekudala inkampani zithandwa kakhulu phakathi okhuphisana, waza waqalisa ukuthetha malunga mboleko inzala-free kuqala ukuba athenge imoto ihlabathi - ithuba yokuthenga imoto ngezavenge.

Eyona nto ibalulekileyo kukuba inxalenye kulahleke imali ehlawulwa kwinkampani imoto a umthengi wena, kodwa ke ukudlulisela kubo ityala lebhanki. Banking iziko ukuba ngentlawulelo amatyala ngoko nangoko kwaye sonke isixa esifunekayo, uze Isaphulelo. Ekuqaleni, ngokuba umthengi imoto kufuneka enze hayi ngaphantsi kwe-30%. Isixa semali yamangenelo kunokwahluka, oko kuxhomekeke kwixesha apho izavenge enikiweyo.

Kwilizwe lethu ithuba lokuba athenge imoto entsha ngezavenge wabonakala kutshanje.

Umahluko phakathi izavenge kunye mboleko

Credit kunye isavenge yokuthenga imoto, eneneni, ukuba iikhonsepti iyafana. Kungenxa kuyo nayiphi na imeko, ngokuboleka imali yokuthenga imoto, kodwa ukuba ukhangela, banalo iiyantlukwano:

1. Time. I-mboleko ukhutshwa ixesha elide, isivumelwano semali-mboleko lixhaphakileyo kwiminyaka 5-10, ngelixa ikhontrakthi intengiso umvuzo imoto idla konyaka omnye, okanye iinyanga eziliqela.
2. Umlinganiselo wenzala kwimali ebiyiboleka auto ngokubanzi yi 15-20%. Ukususela iintengiso, sinokugqiba ukuba isavenge ikhutshwa njenge-mboleko inzala-free, kodwa abathengi kufuneka ulumkele ukuba ngokuyimfuneko zero umyinge wenzala ayikho, ekupheleni kwesi sivumelwano lisondele kakhulu zero, kodwa ayikho. abasebenzi Bank bathi izinga isavenge 0.5% okanye 1%.
3. Intlawulo yokuqala. ukuze Xa uthenga imoto ngetyala, ibe ngaphantsi kwe-10% yexabiso leempahla. Car sentengiso yezavenge ikhutshwa phandle ekwenzeni igalelo yokuqala ubuncinane 20-30%, yaye kwiimeko ezininzi, ize i-50% yeendleko zizonke.

impahla baqesha kuthenga kubandakanya intlawulo isixa esikhulu kwangoko, kwaye ityala eliseleyo lihlawulwe ngezavenge, lonke ityala kufuneka zibuyisiwe kwithuba lonyaka omnye okanye emibini maxa amaninzi.

Ngubani onelungelo ukuba asayine isivumelwano

I entsha abantu ukuthenga umvuzo imoto osenokuba abathengi beebhanki kwaye angene kwizivumelwano egameni layo. Xa kuthengwa iimveliso kwi showroom kunye non-lokuhlawula yonke imali iindleko umatshini imali kuhluthe ngenxa kwinkampani, kodwa ityala lonke ikhutshelwa ibhanki ngayo umthengisi kugqitywe ngemvumelwano.

Kuyo nayiphi na imeko, umthengi kufuneka ikwazi kwaye ubudala kwezomthetho. Kulo mzekelo, ubudala womda ibalwe ngokwendlela kweminyaka emingaphi apho kuya kube ngumthengi ngexesha yokuhlawula inxalenye yokugqibela ityala. Ngoko, ngexesha intengiselwano ngummi kufuneka ube neminyaka engaphezu kwama-64 kunye izavenge isivumelwano sonyaka omnye hayi ngaphezulu kwe 63 iminyaka - ukuba emibini.

La maxwebhu eziphambili eziyimfuneko intengiselwano

Ukuze athenge imoto ngezavenge, kufuneka angenise amaxwebhu garaji umsebenzi. It incinane kakhulu ukuhluzwa mboleko, kwaye iqulathe la izibambiso zilandelayo:

• Isicelo ithuba lokuba enze iintlawulo ngezavenge.
• Ikopi yokundwendwela ukuba ngummi Russian Federation, onqwenela ukuba uthenge imoto.
• Ikopi lomthengi lokuqhuba.

Amaxwebhu engqina yokuhlawula amatyala lomthengi, ezifana ikopi yerekhodi emsebenzini okanye ingeniso ingxelo, ekupheleni kwesi sivumelwano ingafuneki.

imigibe

Wonke umntu wagqiba ukuthenga uthumo ngaphandle phambi iinqununu ngexabiso isithuthi, kufuneka siqonde ukuba iziphumo engagqibekanga xa kuhlawulwe amatyala kuba kakhulu, ukuya ekurhoxisweni matshini. Thenga imoto ngezavenge ngaphandle inzala ibe kuphela ummi lunomvuzo izinzile.

Umthengi kufuneka baqonde ukuba ahlawule ityala, wayengase kuphela unyaka okanye ubuninzi ezimbini. Kuphephe ukwenza iintlawulo akunakwenzeka. Ekupheleni kwesivumelwano sinocwangciso iintlawulo zezavenge. Ukuba umntu lowo umthengi isithuthi, akakwazi ukwenza intlawulo, oko umnwe nje ukubizwa kwenzala angekahlawulwa, kodwa ngokutsha kwi-mboleko entsha. Ngokufuthi kwiikota contract isavenge kukho igatya, njengoko leyo xa kukho ukulibaziseka bentlawulo wamcacisela inani ubuncinane ngosuku ngokuzenzekelayo isivumelwano mboleko imoto ngesantya esingekho ngaphantsi kwe-15%.

Njani na iimeko lezavenge

Ukuba umthengi uswele isixa esithile ekuqondeni yamaphupha akhe, unako ukuthenga imoto ngezavenge. Le mvumelwano esayinwe garaji, leyo intengiso yesithuthi. ubukhulu becala kuxhomekeka iimeko izivumelwano yolawulo ndlwana kunye namaziko zebhanki, kwakunye nendlela auto ungavuma ukuhlawula ibhanki ngenxa yokubonelela eli thuba lokuba abaxumi abo amaninzi.

Ukususela , mboleko inzala-free enyanisweni, ayikho, umthengi kufuneka aqonde ukuba okungenani ihafu ipesenti ngongoma, kodwa auto ngokwakho uhlawula iziko lemali. Kukho iimeko ukuba umthengi kufuneka enze ukuba kokugqitywa mvumelwano ngasentla. Ubukho inshorensi. isicwangciso sezavenge, eneneni, kukuba imveliso imibutho amathathu: showroom, amaziko zebhanki kunye neenkampani ze-inshorensi.

Phantsi izimo ngokuqhelekileyo uwela indlela ethile isithuthi, aya kuyinyula kumthengisi. Ngoko, kwi "umdlalo" into engena kwibhanki ethe garaji imoto kwasekwa ubudlelane intsebenziswano. iziko Banking byi enzelwe indlela ethile at isaphulelo, nangokuvumelana izavenge umthengi ibonisa intlawulo epheleleyo. Yiloo nto ke umahluko phakathi iindleko zizonke emotweni kunye nexabiso ngesaphulelo yi ingeniso yokwenene elunxwemeni ngenxa lungamkeleki.

Amaninzi, xa uthenga inshorensi imoto iyafuneka ukuba umthengi kumatshini kwi isicwangciso izavenge uya kubiza imali eninzi kakhulu 2-3%.

iindleko ezongezelelweyo

Ngexesha lokuvalelwa, isivumelwano semali-mboleko inzala-free xa uthenga imoto kuyimfuneko ukuba akhuphe nepolisi ye-inshorensi. inshorensi esiSiseko iimoto Russia - "Hull" yaye "CTP". I imali ekufuneka ihlawulwe, zixhomekeke kwizinto ezahlukeneyo: uhlobo kunye nomzekelo konyaka imoto kunye nendlela. iipremiyamu High sizimisele iimoto yohlobo kwakunye neemoto ezemidlalo.

Ukongeza neendleko inshorensi imoto ngezavenge baya kufuna iindleko ezongezelelweyo ngenxa yokumpompoza-akhawunti zebhanki ukulungiselela ukwenza iintlawulo. Ku va kuyinkcitha $ 10 ukuya engange-20 amawaka ukuvulwa akhawunti yebhanki kunye nokuveliswa amakhadi.

Ukuthenga b / a imoto ngetyala

Ngokutsho kweengcali, isithuthi ngoko nangoko emva ephumayo ukusuka ndlwana ulahlekelwa-20% ixabiso layo ngokupheleleyo, yaye kwiminyaka embalwa - isiqingatha le mali. Akukho nto nemvelo kwi banomnqweno ukuba athenge imoto kusetyenziswa. Ithuba ukuthenga iimoto bu ngezavenge ezinikwe zibhanki ezininzi, kwakunye abathengisi bona izithuthi ezisetyenziswayo. amaziko Banking ubeke imida ubudala umatshini, abathengi-abantu ngokubonelela eli thuba, kungakhathaliseki ukuba iimoto model ngonyaka. yebhanki Izavenga ubonelela kwiimeko apho ubudala zimoto yemveliso yasekhaya - hayi kwiminyaka engaphezu kwama-5, yaye kwamanye amazwe - hayi ngaphezulu kwe-10.

Cars ezithengiswayo ngezavenge ezifunyenwe kungena kwimvumelwano zentengiso ephawulwe "izavenge" yi. Xa ufaka Okwenziwayo kuyimfuneko ukukhankanya ixabiso elililo lwe iimpahla, ukuze xa uneengxaki iintlawulo akunyanzelekanga ukuba ulahlekelwe yimali.

Yenza isavenge enenzuzo

Car lokuthenga umdla-ezamahala mboleko okanye ngezavenge eyingenelo kuphela udidi abantu babe ingeniso ezinzileyo elungileyo kwaye ahlawule isixa olufunwayo ixesha. Nabani na ibambezele intlawulo yetyala, unokufumana ebukhobokeni nathemba.

Ukongeza ubungozi, izavenge iye kwicala HIV kuphela: inkqubo lula ukuba ibhaso kwesivumelwano, kufuneka angenise ubuncinane amaxwebhu ingqalelo kwesicelo, ixesha ntlawulo encinane, ukuba intlawulo yokuqala ematyaleni.

Abonge ne somusa ethile

Umthetho ubonelela lwenkqubo apho unako ukuthenga imoto ngezavenge kunye ukwelixesha loxolelo ekuthiwa njalo-. Isebenza xa uvula i-akhawunti kunye ithuba lokusebenzisa ikhadi zeplastiki. Mfani-nye othengayo emotweni ixesha elithile isivumelwano akayi kuhlawuliswa inzala kwimali-mboleko. Ngaphandle, ungenza nayiphi na imali, nokuba ukuba axhome kakhulu ngaphandle kwezo zikhankanywe kwishedyuli yentlawulo.

Ngokuqhelekileyo, kwithuba ubabalo a ithatha unyaka omnye, yaye ukuba umthengi uhlawula imali yeendleko emotweni ngeli xesha, enyanisweni icace phandle ukuba wathenga imoto ngezavenge.