Kodi ndi mmene kutenga ngongole galimoto galimotoyo?

Osati aliyense akufuna kugula galimoto yomweyo kupeza ndalama zogulira chinthu. Choncho, galimoto ngongole ndi lero wotchuka kwambiri ndiponso yotsika mtengo njira kugula galimoto anu.

ndi mbali ya ngongole galimoto Kodi

Car Loan ndi ngongole akulimbana kugula galimoto. Kupeza galimoto ngongole ku banki mungathe, ndi proviso kuti galimoto adzakhala chitsimikizo banki. Pa mfundo imeneyi, gombe amachepetsa chiopsezo ndi amatenga chidwi zochepa pa ngongole ya.

Childs, chiwongola dzanja pa ngongole galimoto zosakwana ngongole ndalama. Koma mu nkhani ya sanali kupereka ngongole ya galimoto anagwidwa ndi banki ndipo anagulitsidwa kwa ngongoleyo.

Nthawi zambiri, banki amafuna wobwereka kutsimikiza galimoto pa pulogalamu Hull. Mu nkhani ya kuba, kapena kuwonongeka kwa galimoto pa ngozi banki adzalandira inshuwalansi. Mwini galimoto ayenera adzikonzenso inshuwalansi chaka chilichonse, mwinamwake banki adzagwiritsa ntchito zilango kwa wobwereka lapansi.

Kukhwima autocredit pasipoti pa makina ayenera kubanki. Ngati panafunika inu, ndiye muyenera funsani banki ndi kusankha naye funso n'zotheka bwanji kuti ndi pamene kubwerera.

Kodi ndingapeze galimoto ngongole?

Mu Russia, ambiri mabanki osiyana. Koma pambuyo 2014, ambiri mabungwe a zachuma ndi ngongole anasiya opereka ngongole kugula magalimoto, m'malo iwo ndi ogula ngongole ndi zinthu chosavuta.

Mungaone kuti ochepa oveteredwa mabungwe banki kupereka chandamale ngongole mu 2017. Nthawi zambiri, chiwongola dzanja pa ngongole galimoto ndi amodzi kwa ogula ngongole. Ngakhale kale kusiyana anali chogwirika ndithu.

dzina la banki	% Pa annum	Kuchuluka ngongole, RUR	opereka nthawi	Limene makina		nthawi yaitali bwanji kukopedwa	Malipiro,% ya mtengo galimoto
				yatsopano	B / Y
"East Bank"	19	100 zikwi. Opaka. - 10 miliyoni rubles	Kuyambira chaka 1 mpaka zaka 5	+	+	mwakamodzi	-
"Nokssbank"	12	100 zikwi. Opaka. - 10 miliyoni rubles	Kuyambira zaka 3 mpaka 10	+	+	Pasanathe sabata imodzi	-
"Alfa-Bank"	12,5	100 zikwi. Opaka. - miliyoni 5.6 rubles	Kuyambira chaka 1 mpaka 6	+	+		10
"VTB 24"	17,9	150 zikwi. Opaka. - 1 miliyoni rubles	Kuyambira chaka 1 mpaka zaka 7	+	+		20
"Raiffeisenbank"	6,4-14	zikwi 50. Opaka. - 3 miliyoni rubles	Kuyambira chaka 1 mpaka zaka 5	+	+	Mkati tsiku lina ntchito	15 mpaka 40
"Ulimi Bank"	17,5	Mpaka 3 miliyoni rubles	Mpaka zaka 5	+	+	masiku 4	15
banki ndalama	11,5	Opaka 10 miliyoni	Kwa zaka 6	+	+		-

Iwo amapereka zinthu wokongola kwambiri "Nokssbank". Koma inu mukhoza kutenga ngongole galimoto ku banki kokha kwa anthu a m'dera Volgograd.

"Alfa-Bank" amapereka mwachilungamo wokongola zinthu ndi kukongoza. Mukhoza amakana CASCO. Ngati mulibe kulipidwa mwa gombe, ndiye udzapeza galimoto ngongole pa 15,5% mlingo pachaka.

Zokwaniritsa "VTB 24" ndi oyenera kwambiri mitengo ndi zofunika wobwereka lapansi. Koma kubanki uzikwaniritsa linali gawo loyamba la 20% wa mtengo okwana galimoto anagula.

Car ngongole kwa "Raiffeisenbank" ndi abwino kwa borrowers ndi ndalama yapamwamba, kukhala m'mizinda ikuluikulu ya Russia.

Kunena za momwe kupeza ngongole galimoto ku Bank ndi ndalama, tisaiwale komanso zinthu zabwino ndithu banki. The chiwongola dzanja ndi mmodzi wa kuthungo. Pezani ngongole pano mungathe pafupifupi nzika iliyonse Russian.

Ngati mudzalandira malipiro anu ku Bank ndi ndalama, kusankha apereke ngati ngongole kubanki kuti azikhala maola 2. Ngati kasitomala ali ndi mwayi kugwira malipiro koyamba 30% ya mtengo wa galimoto, gombe adzakhala popanda satifiketi ndalama, magazini ya ntchito ndi kukhalapo kwa guarantors.

Ubwino wina waukulu wa magalimoto ngongole Sberbank ndi kuchuluka inshuwalansi CASCO akhoza m'gulu kuchuluka ngongole.

Imakhala mpata ngongole galimoto popanda malipiro "Bank East", "Nokssbank" ndi Sberbank.

Ngati mwaganiza kuti chandamale ngongole kwa ogulidwa magalimoto zoweta, ndiye kugula loterolo boma thandizo, zimene zimapangitsa kwambiri wobwereka lapansi.

Kodi kupeza galimoto ngongole?

Kutenga ngongole ya galimoto zikuphatikizapo zotsatirazi:

• kulembamo kukonzekera ndi drafting ntchito kwa ngongole;
• ndi imposition wa chisankho banki kuti apereke ngongole ndi ndalama;
• kusankha galimoto mu kanyumba, kusaina mgwirizano malonda, kupanga malipiro koyamba (ngati anapereka);
• kusaina pangano ngongole
• CASCO inshuwalansi kulembetsa;
• malipiro a mtengo wa wogulitsa galimoto galimoto banki;

Pambuyo pake, nzika ikhoza kutola galimoto ndi kugwira kulembetsa ake.

Inu musanakafike galimoto ngongole, muyenera kupeza banki mndandanda zonse zolembedwa. Financial ndi ngongole mabungwe kuitanitsa zina zambiri kapena pepala.

Chofunikanso

Car ngongole akhoza inakhazikitsa mu malo oyamba mu banki. Chimake yachiwiri ndi Chipinda Cowonetsera, kumene akhoza pabwino kuyambira udindo wa banki.

Kusankha komwe kupeza galimoto ngongole ayenera wobwereka. Nkofunika kuti tipeze zinthu zomwe ngongole imene banki panokha inu adzakhala opindulitsa kwambiri ndi yabwino. Samalani kuti apange kugula mopupuluma, kutenga ngongole mu kanyumba. Chiwerengero akhale apamwamba kuposa mu nthambi banki.

kuipa ngongole galimoto

Car Loan akusokoneza ntchito zina za wobwereka ndipo ali mbali zake zoipa:

• Wokongola amphamvu galimoto zodula pogula kwa ndalama.
• Muyenera kubweza mwezi uliwonse. Inu musanakafike ngongole, muyenera kuwerengera maluso a zachuma.
• Pamaso alipire ngongole ndi banki chitsimikizo cha makina ndi kugulitsa kapena ndalama n'zotheka okha ndi chilolezo cha banki.
• Monga ulamuliro, pamene inu kupanga galimoto ngongole nthawi zonse pamafunika malipiro a inshuwalansi CASCO, omwe si ndalama zambiri. Nthawi zambiri, kampani inshuwalansi osankhidwa ndi banki, ndi kuchuluka inshuwalansi mwina kuposa makampani ena inshuwalansi.
• Ngati galimoto ali ngozi, ndalama lolipiridwa ndi inshuwalansi amapita ku banki, ndi kukonza galimoto ndalama mwini sadzakhala zotheka.

Zimafunika wobwereka ndi

Aliyense banki amapanga zinthu zake kwa ngongole ya. Koma kawirikawiri mukhoza kutenga ngongole galimoto ndi zofunika zotsatirazi:

• wobwereka ali nzika za la Russia;
• nzika ya zaka, kulandira galimoto ngongole ayenera kukhala mkati zaka 23-65;
• ntchito zambiri gawo Russian kwa nthawi mwasankha.

Komanso, mabungwe ngongole timasowa kuyitana manambala angapo foni (ntchito, munthu, bwino nambala ya foni).

Kodi kupeza ngongole kwa galimoto mtunda wa?

magalimoto ntchito ndi mtengo kuposa latsopano ndi boma palibe choipa kwambiri kuposa latsopano. Taganizirani mmene kupeza galimoto ngongole pa galimoto ndi mtunda.

Banks zambiri kuonetsa zinthu zotsatirazi magalimoto ntchito:

magawo	Galimoto yachilendo	Magalimoto zoweta
zaka	Osati zaka zoposa 10	Osati zaka zoposa 5
kuchuluka kwa ngongole	Banks zambiri mu kuchuluka kwa 500 zikwi. Opaka. mpaka pafupifupi 1.5 miliyoni rubles	Mofananamo
makina kulemera	matani mpaka 3.5	Mofananamo
mtunda	Mpaka 100 zikwi Km.	Okwana 50 Km.

Kupanga ndondomeko CASCO inshuwalansi lofunika.

Wobwereka ngongole kwa b / galimoto amafunika chindunji:

• akhale wamkulu kuposa zaka 21;
• ndi utali wonse wa utumiki wa pachaka kuposa wina kalendala;
• zinachitikira ntchito panthawi mu gulu la miyezi isanu ndi umodzi, ndipo ena mabanki zokwanira miyezi 3-4;
• kukhala nzika ya Russia ndi kukhala nyumba mumzinda umene iye amakoka galimoto ngongole
• ndi zabwino ngongole mbiri.

Mawu a magalimoto ndi kosavuta kuti madalaivala amene akuyendetsa zinachitikira. Monyinyirika mabanki apereke ngati ngongole achinyamata ndi anthu a zaka zopuma pantchito.

Mawu ngati wina watsopano, ndi pa B / galimoto inu mukhoza kulowa mu ofesi banki kapena Chipinda Cowonetsera lapansi. Ndi kwambiri zaphindu kutero mu banki Mulungu limene kupeza malipiro. Mwachitsanzo, nzika ndi makadi kopeleka malipiro mu "Alpha-Bank" akalandire autocredit pansi 12,5%, ndipo mu mau mlingo adzakhala 16%.

The ndondomeko ya kupeza ngongole kwa b / ndi Car

Kupeza galimoto ngongole kwa galimoto, muyenera kudutsa njira zotsatirazi.

Sankhani bungwe ngongole, yerekezerani umafuna a mabanki osiyana, mapulogalamu awo, chiwongola dzanja ndi mawu a kukongoza. Mu kuganiza za momwe kupeza galimoto ngongole, m'pofunika kuti anthu amvetse ngati pali chifaniziro cha mudakonda banki m'dera lanu. Zokonda ayenera kuperekedwa kwa mabanki ndi kutsimikiziridwa ndi mbiri yabwino.

Ntchito ndi zotheka pa anakachezera banki kapena pa Intaneti.

Muyenera kukhala zolemba izi:

• pasipoti;
• Information pa ndalama za ntchito;
• laisensi yoyendetsera;
• ndi buku ntchito.

Komanso banki akulingalira ntchito. Pambuyo ntchito wavomerezedwa wobwereka, ngati n'koyenera, kupereka miyezi 1 mpaka 3 pofunafuna galimoto.

Pambuyo anaperekeranji mgwirizano wa zogulitsa ndi wogulitsa galimoto. Kunatanthauzanso ndi kamangidwe ka chisotichi. Zimenezi kuchuluka kwa ndalama ku banki wobwereka a.

The malipiro koyamba ndi kunditumiza ku nkhani banki imene ndalama anasamutsa showrooms. Kukula avareji amalipiritsa ndi amangoona 20% wa mtengo kugula.

Ndi mwapadera tipite kwa kalembera wa pangano ngongole. Anasaina chikalata ayenera kukhala ndi kufufuza. M'pofunika kuona mokoma zotsatirazi:

• Mtengo chomaliza cha mlingo chidwi. Zimachitika kuti munthu kulemberapo, koma popereka.
• Kukhalapo kwa ndalama zingati kwa ankayendetsa zachuma (umatchedwanso chobisika).
• Zosintha zimene zimaperekedwa ngongole.

Kamodzi analandira galimoto ngongole pa galimoto ndi anagula izo, ife kokha kukalembetsa mu apolisi apamsewu. Ndiye inu munakhala mwini zonse za galimoto.

nsonga Wabwino akugula ntchito / ndigalimoto

Kugula magalimoto ntchito mu Chipinda Cowonetsera lapansi. Kotero inu mukhoza kupewa pogula kubedwa kapena malfunctioning makina. Makamaka chifukwa dealerships zambiri kulinganiza zochita zogulitsa a magalimoto ntchito.

Ngati sikokwanira zonyozeka kuchuluka kwa kugula galimoto ngongole bwino kusankha ogula ngongole.

Palinso akatswiri monga amkhalapakati kubweza. Iwo amadziwa kuti galimoto ngongole pa mawu abwino kwambiri. Osinthitsa zingakuthandizeni kusankha kwambiri mulingo woyenera pulogalamu ngongole.

Kupeza galimoto ngongole ndi zoipa ngongole mbiri

Ngati inu analola mwamsanga alipire cha ngongole zina, zikuoneka kuti zidzakhudza wokwiya ngongole mbiri yanu.

Inu musanakafike ngongole galimoto ndi zoipa ngongole mbiri, lankhulani ndi a amasinthira thandizo. Ngati Izi zikusonyeza kuti muli ikuchedwa, Akufunika kubweza iwo. Ngati kuuzidwa monama za kusakhulupirika, muyenera kugwiritsa ntchito ku banki kuthetsa nkhaniyo.

Kusintha mbiri ngongole, inu mukhoza kutenga ngongole angapo ang'onoang'ono ndi kubwezera iwo nthawi ndi mu zonse.

Inu mukadali angatanthauze mabungwe ang'onoang'ono kapena kumene anatsegula chuma ndi ngongole. mabungwe amenewa akufunafuna makasitomala ndi n'kulolera kuika zinthu si kuyeza kwambiri wobwereka lapansi.

Njira ina ndi ntchito kwa ngongole ku mabungwe microfinance, pawnshops kapena makampani ndalama kuti ngongole makasitomala Mbiri si zofunika. Koma chiwongola dzanja mu mabungwe amenewa ndi apamwamba kuposa mu mabanki.

Kodi kusintha mbiri wobwereka ndi

Kuwonjezera Mwina apeza galimoto ngongole pamaso pa ngongole mbiri zoipa m'njira zotsatirazi:

• kupeza co-signer ndi ngongole mbiri yabwino;
• kugonjera banki satifiketi olemera kapena cholowa mfundo mtengo;
• kupereka ina;
• kupanga malipiro kuchuluka kwa 50% ya mtengo wa galimoto anagula.

Kutenga ngongole pa galimoto pa Intaneti

Pafupifupi banki amapereka lero, ndilembe ngongole kudzera intaneti. Chifukwa chaichi, mwapadera ayenera kukhazikitsa mfundo munthu wanu, kuchuluka ngongole ndi zina.

Pambuyo pake, gombe adzakhala apereke maganizo kuyambirira pa kuthekera mochita inu ngongole. Koma kuti aliyense payekha tidzazindikira kuti banki kuti kupereka chofunika phukusi la zolemba ndi kusainira mgwirizanowo.

Car Loan - kutenga kapena ayi?

Pali zambiri zoyipa za ngongole galimoto, koma pali zinthu zabwino. M'pofunika amapenda zotsatsa zonse zotheka a mabanki, mapulogalamu awo kukongoza, kuwerengera overpayment ndi zina kuvomerezedwa ndalama pa ngongole galimoto ndi kufanizira iwo ndi overpayment pa ngongole yosavuta ogula. Muyeneranso kuganiza kuti boma thandizo ndi kugula magalimoto zoweta.

Kuti timvetse zimenezi mokoma nyanja ndi zinthu ngongole a mabanki zosiyana mantha kupempha thandizo kwa osintha akatswiri ngongole.

Samalani ngongole mbiri yanu. Ndipotu, ngati icho chili choipa, ndiye ngongole ya galimoto adzakhala ovuta kwambiri.

Car ngongole kungakhale zatsopano ndi pa ntchito / mu magalimoto. Ntchito galimoto ndi bwino kugula mu Chipinda Cowonetsera, chifukwa kungakupatseni kuti kuba ndi sanataye.