Yintoni inkqubo mboleko yemoto ngokukhetha?

imoto Private - kulungile ukuphikisana mazwi abakwazi wonke. Nangona kunjalo, lo kuthenga eqolo, kwaye uvumele wena ukuba bakhangele Motor Show akakwazi bonke abakhaya bethu. Kungenxa yoko le nto nyaka ngamnye ukuzuza iinkqubo mboleko imoto ethandwayo na kakhulu kuhluka. Kwakhona, iminyaka eliqela, kukho inkqubo mboleko imoto preferential ukuba eRashiya. Noko ke, izinto eziza kuqala.

Indlela ukufumana imali-mboleko kwi imoto

Ukuza kuthi ga ngoku, kukho iindlela ezintathu yokuthenga imoto ngetyala. Inkqubo Car:

Basic. Le program kuyafana obolekisayo yabathengi yesiqhelo. It ikuvumela ukuba uthenge ngokusetyenziswa zombini izithuthi ezintsha ezisetyenziswayo, kwaye ezingabalulekanga, oko imveliso yasekhaya okanye angaphandle. Ukususela kwixesha kokufunyanwa kweemali umboleki unikwa elingekho ngaphezulu kweentsuku ezingama-90 kwi-Ukukhethwa nokuthengwa besithuthi. Emva ukuthenga imoto uba isiqinisekiso ebhankini. Imali mboleko trust kunokuba ukuya ku-5 million engange, kwaye umyinge wenzala njengoko phezulu 20%. Imali inkqubo esisiseko mboleko zemoto ziyafumaneka iminyaka ukuya ku-5.

Bavumile. Olu khetho phantse avtosubsidirovanie efanayo esisiseko kunye umahluko kuphela ukuba ukuba kunokwenzeka ukuba ekuhliseni izinga lenzala kwi-mboleko, ukuba uthenga imoto egumbini, nto leyo iqabane ngaseludinini yokubolekisa. Le program iye neengxaki ezininzi:

• athenge imoto ngale ndlela akuyi kuphumelela;
• lo kukhetha kuphela ezo imifuziselo ukuba yaziswe showroom ethile;
• kuya kufuneka ukuba enze igalelo yokuqala ubuncinane 20%.

Inkqubo karhulumente -mboleko yemoto ngokukhetha. Imali mboleko ukuba inkqubo enjalo ingaba i-85% yeendleko imoto, kodwa ayikwazi ngaphezulu amawaka 800. Engange. ixesha elithatyathwayo - hayi kwiminyaka engaphezu kwama-3. Kakuhle eli inkqubo mboleko yemoto ngokukhetha kukuba yinxalenye inzala kwimali-mboleko obuyisela zikarhulumente kuwe, nto leyo kunciphisa kakhulu umyinge wenzala umboleki. Izinga-mali ezinjalo kuthetha ixhomekeke ngokupheleleyo kwi rate mboleko CBA, kunjalo kwimeko nganye inokuba nomahluko.

ulwazi zembali

inkqubo mboleko imoto yaze kuqala yavavanywa kulo Russian Federation ngexesha lokudodobala-2009. Esi sigqibo, kunye nenkqubo yokurisayikilisha yeemoto ezindala kwakundinceda lezimali automakers zasekhaya nokuhlaziywa kakhulu kwizithuthi le baseRashiya. Nangona kunjalo, inkqubo yokuqala mboleko yemoto ngokukhetha waba inani lokusilela:

1. Uyilelwe ekuqaleni ukuxhasa inkampani "AvtoVAZ", njengoko iindleko avareji iimoto kule brand zange ngaphezulu amawaka 350. Engange.
2. Uhlelo, evunywe yi-Ofisi yoMphathiswa of Industry ukuba ukuphunyezwa kwenkqubo, yaba amagama-10 kuphela, ngoko ukhetho kakhulu kubathengi ubengekho.
3. Omnye umba esibi mbuzo intlawulo kakhulu eliphezulu ekuqaleni - ubuncinane 30% yexabiso le moto. Beka inani elifanayo ngexesha elifanayo awukwazi ukuthenga bonke.

Noko ke, ngokuhamba kwexesha, le nkqubo yaphinda yathandwa gqitha, intlawulo sokuqala sehle, kwaye uluhlu iye yandiswa izihlandlo ezihlanu. Namhlanje singatsho kakuhle ukuba inkqubo mboleko imoto preferential yeyona ndlela ithandwa kakhulu ukuba uthenge imoto. Noko ke, maxa wambi ezahlukeneyo avtosubsidirovaniya program wayeka, ngoko kwakhona liqale, ibe ingxoxo enkulu mayela nokuba ukuqhubeka kuyo kwixesha elizayo phezu eve ka-2015.

Uluhlu olutsha lwe zimoto

Ngaphandle kwento yokuba imeko yangoku yezoqoqosho kakhulu ingazinzi, ne-Aprili 1, 2015 uzuzele inkqubo entsha mboleko yemoto ngokukhetha. Uluhlu auto inabe ku-50 kwizikhundla, kunjalo, yaqalisa imeko entsha: imoto ezafunyanwa inkqubo kufuneka ibe 2015.

Ngoko ke, kucacile ukuba uluhlu yeemoto ngenxa ithengwe kulo nyaka umiyo kumba kakhulu kwaye hayi kuphela imifuziselo zasekhaya.

Auto Loan Terms

Ngowe-2015, kwakhona watshintsha ezinye iimfuno ngenxa yokumpompoza mboleko yemoto amagama kakuhle:

• ixabiso lilonke isithuthi ezithengwe phantsi kwemiqathango abolekisa concessional, aluyi kuba ngaphezu kwe engange million 1;
• esona sixa sikhulu sala mboleko - 800 amawaka rbl;..
• imali mboleko minimum nga kumiselwa yibhanki ngokwayo;
• Mboleko zifumaneka kuphela engange Russian;
• imoto ukuba umthengi unenjongo kuthenga, kufuneka iqokelelwe kummandla Russia;
• i ilori akayi kuba nako ukuthenga ngendlela enjalo, njengoko ubunzima lilonke kwimodeli akhethwe ukudlula 3.5 tonnes;
• i mboleko singakhutshwa isithuba esingadlulanga kwiinyanga 36 (iminyaka emi-3);
• othenge imoto kufuneka ukuba ikhutshwe ngaphambili abantu bemvelo kwaye zibhaliswe (registration) ngokungqinelana nomthetho Russian;
• mboleko zibalwe umahluko phakathi umyinge wenzala kuchaziwe kwisivumelwano lombutho zemali, kunye esithathwini ezimbini ekukhutshweni kwemali umyinge wokuphelelwa Central Bank of the Russian Federation ngexesha liqhube mboleko;
• kwemali usebenza kuphela namazinga enzala fixed-term;
• wekhadi (phantsi intlawulo) yi-20%, kodwa kusenokuba kakhulu (xa isicelo umboleki);
• Credit unokufumana kuphela abemi Russia.

Njani na i Lemali Mboleko

Ngenxa yoko, inkqubo mboleko imoto preferential inika imbuyekezo nje inxalenye yenzala kwi-mboleko, kuxhomekeke kwi zinga mboleko owamkelwe Central Bank of Russia. Yenza izibalo ezilula, wena unako ukufumana, bangaphi kufuneka ahlawule kwimeko nganye. Ukuze wenze oku, sebenzisa indlela yokubala elula:

Ps = Ukubheka - 2/3 x Ref, apho:

• Rhu - ngonyaka izinga lenzala;
• C. - izinga lenzala ukusebenza ngexesha lobhaliso lwe-mboleko phantsi inkqubo eqhelekileyo abonge;
• Ref -% mboleko yi-CBR ngexesha lokupheliswa kwale mvumelwano.

Ukususela 01.04.2015, izinga ekukhutshweni kwemali yi-14%, nto leyo ithetha ukuba inxalenye elinokufumaneka kwaso 9,33%. Ngoko ke, ukuba uqhagamshelane ibhanki elibonelela imoto kwi-20% ngonyaka, kusetyenziswa iinkqubo benefit karhulumente, uya kuhlawula ezingama-10,67% ngonyaka ngamnye. Kakade ke, amazinga isiseko kuzo zonke iibhanki yahlukile, ngoko kwimeko nganye iziphumo ukubala ziya kwahluka.

Iimeko ezisisiseko mboleko yemoto

Kuba mboleko imoto kwi inkqubo incinane obolekayo bezinganyanzelwanga naziphi na iimfuno ezizodwa. Kakade ke, ibhanki nganye imithetho yayo, kunye neemeko inokuba nomahluko kancinane, kodwa lo mfanekiso umndilili obolekayo ngolu hlobo lulandelayo:

• A ngummi Russian Federation na ongaphantsi kwama-21 yaye akukho kwiminyaka engaphezu kwama-60;
• Kuye indawo esisigxina yomsebenzi ubuncinane kwiinyanga ezi-6 ezidlulileyo;
• ibhaliswe kwaye uhlala kummandla kweenkonzo yebhanki ethile;
• sikwazi ukuqinisekisa ubukho imali ngokuthe eyaneleyo ukuhlawula intlawulo yenyanga.

Ngenxa yamava ethu, sinokuthi kukho-2 kuphela iinketho, leyo wokhanyelwa avtossud preferential: a imbali kwezamatyala kwaye phambi kwabantwana abangaphantsi kweminyaka iinyanga ezintandathu (kwabasetyhini).

iimfuno ezongezelelweyo

Nangona kukho inyaniso yokuba inkqubo imoto preferential ukhangela phantse ngokufanayo kuwo onke amaziko zokubhankisha, ezinye iikhrayitheriya kwezityalo ezahlukeneyo kancinane:

• Izinga isiseko lokubolekisa (lowo apho iya kuxhuzulwa mali);
• ithuba apho imali-mboleko kwenziwa;
• iimfuno ukuba umboleki, ngokuphathelele ubude lwenkonzo kunye umvuzo;
• imfuneko akananto okanye iziqinisekiso Umtsalane;
• isixa ubuncinane i-mboleko;
• imfuno yobhaliso (registration) loMthetho unetyala kulo mmandla, apho kukhutshwe imali-mboleko.

imiqulu

Ngokubanzi, inkqubo-mboleko yemoto ngokukhetha ithetha ukuba umboleki la maxwebhu alandelayo:

• yokundwendwela civil lo mboleki, kwakunye nomfazi wakhe (indoda), ukuba umntu onetyala utshatile;
• imvume ebhaliweyo elinye iqabane sokutshintshela isithuthi njengoko akananto ebhankini;
• iphepha-mvume lokuqhuba (ukuba ikhona);
• Imvelaphi 2-NGOBUCHULE (ingeniso);
• sisicatshulwa esithathwe kwincwadi yabasebenzi, engqiniweyo ngokusesikweni kwindawo yokugqibela umsebenzi;
• isivumelwano yentengiso okanye iakhawunti isiqinisekiso ndlwana, ezingqina ixabiso emotweni.

Ngenxa kumbutho ngamnye uqhuba yayo nkqubo ngetyala, uluhlu kwamaxwebhu afunekayo ziyahluka kakhulu. Nangona kunjalo, umthetho ongabhalwanga kukuba le mihlathana kota mboleko ixesha elide Intlawulo yokuqala, lilikhulu amaxwebhu afunekayo yi-Bank.

Apho ukuba bazobe mboleko?

Ngoko ke, yintoni eyenza inkqubo mboleko yemoto ekhethekileyo, ngaphezulu okanye ecacileyo ngaphantsi, yaye apho kunokwenzeka ukuba akhuphe mboleko? Ukuza kuthi ga ngoku, uluhlu lwamaziko zebhanki eRashiya, umnikelo axhamle iinkonzo ezifana nangoku kuchazwa, ngoko kwimeko nganye kufuneka ibe ukucacisa ukuba kunokwenzeka ukuba bafumane inkxaso-mali karhulumente. Noko ke, singatsho ngokuzithemba ukuba olu luhlu kakhulu elide, ekupheleni kuka-2014, sasifana kwimibutho ngaphezulu kwama-130. Phakathi kwabo:

• Sberbank.
• "VTB 24".
• "Uralsib".
• "Gazprombank".
• "UniCredit Bank".
• Bank "Saint-Petersburg".
• ibhange "eSoviet".
• "AK neeBhari" BANK;
• Bank "BTA-Kazan 'kunye nabanye abaninzi.

Ngoko ke ukufumana ukhetho efanelekileyo yaye akuyi kuba nzima ukuba basebenzise inkqubo yemoto abolekisa preferential eRashiya ngo-2015.