Nchifukwa chiyani mukukonzekera ngongole ya galimoto?

Kawirikawiri anthu amatenga ndalama kugula magalimoto ku mabungwe azachuma. Zaka zaposachedwapa, kutchuka kwa mabungwe a mabanki, otchedwa "kubwezeretsa ngongole za galimoto," ikukula. Njirayi ndi yopindulitsa pazifukwa zotsatirazi:

- pamene wogula akufuna kusinthanitsa galimoto yakaleyo kuti yatsopano;

- Ngati wobwereka sakakhutitsidwa ndi ngongole yamakono yamakono.

Zolinga

Nthawi zonse chinachake chikuchitika: mitengo ya chiwongoladzanja ikusintha, mapulogalamu atsopano a ngongole, ndalama zothandizira boma, magalimoto atsopano amawonekera. Kubwezeretsanso ngongole ya galimoto kukuthandizani kuti mukhale ndi kusintha. Chikhumbo chosintha galimoto chikuwoneka mwa anthu ambiri asanabwezere ngongole yawo. Malingana ndi ziwerengero, makamaka madalaivala amasintha galimoto yawo zaka zingapo, ndipo ngongole ya galimoto imaperekedwa kwa zaka zisanu. Chifukwa china chotsitsimutsa ndicho kusintha kwa chidwi. Pali mapulogalamu ambiri ofanana, mabanki amapikisana ndi kuyesa kusintha zinthu kuti akope makasitomala. Nthawi zina pali kusintha kwa moyo wa wobwereka, mwachitsanzo, ndalama zake zimasintha, munthu wodalirika amapezeka, amatha kukhala guarantor kapena zochitika zina zomwe zimapangitsa ngongole kukhala yopindulitsa kwambiri. Ngati wina wapereka ngongole madola, kusintha mlingoyo ndi chifukwa chothandizira. Kupanga ngongole ya galimoto popanda CASCO ndi njira yosungira ndalama.

Kodi ogulitsa galimoto amapereka chiyani?

Ma salon omwe amagulitsa magalimoto ogwiritsidwa ntchito amagulitsidwa ndi ngongole zachilendo zomwe zinagulidwa zaka zambiri zapitazo. Pofuna kuchepetsa nthawi yoyenera kugulitsa galimotoyo, salons amapanga mgwirizano ndi banki, wolemba kasitomala akulemba zikalata zofunika. Galimoto yakale idzakhala muwonetsero, ndipo galimoto yatsopano idzaperekedwa kwa wogula. Mtengo wa galimoto yotsala idzaphimba gawo la mtengo womwe watengedwa, ngongole idzaperekedwa chifukwa cha kusiyana kwa mtengo. Amakono akhoza kusankha posankha galimoto yakale kapena yogwiritsidwa ntchito. Tiyenera kudziwa kuti kubwezeretsa ngongole ya galimoto kumakulolani kugula magalimoto akunja osapitirira zaka 10, magalimoto a VAZ, omwe zaka zawo si zoposa zaka zisanu. Makina mabanki achikulire samavomereza ngati chogulitsa. Magalimoto otchuka omwe amagwiritsidwa ntchito kwambiri, zaka zawo, mileage amawerengedwa, akuyendetsedwa. Kawirikawiri, zomwe zimaperekedwa ndi ogulitsa magalimoto zimagwirizana ndi zomwe zikuchitika pamsika.

Mapulogalamu a mabanki

Mukhoza kukonzanso ku banki yomweyo komwe ndalamazo zinatulutsidwa, kapena zingakhale zina. Mmodzi mwa oyamba kupereka chithandizo ku mabanki monga Absolute, Raiffeisen, Unicredit. Ngati mukuganiza kukonzanso ngongole ya galimoto imene amapereka, ndiye kuti zifukwa zimaperekedwa ndi nthawi yomwe amapereka ndalama, kuchuluka kwa chigawo choyamba (monga lamulo, ndilo mtengo wa galimoto yakale), ndalama ya ngongole.

Zokonda pa-ngongole

Pamene pali chikhumbo chogula galimoto yatsopano, kuphatikizapo pulojekiti yothandizira boma, ndiye mukhoza kupereka galimoto yakaleyo chifukwa cha kulipira koyamba. Ndikofunikira kufotokozera ndi bungwe la zachuma mfundo zopezera ngongole zofunikira. Onetsetsani kuti mufunse za chirichonse kuti mupange kukonzanso kopindulitsa kwa ngongole ya galimoto. Mabanki akhoza kupereka zinthu zosiyanasiyana.

Zolemba zofunikira:

- chiphaso cha ndalama (2NDFL);

- kopi ya mgwirizano wa ntchito (mgwirizano umene umagwira ntchito);

Pasipoti;

- layisensi yoyendetsa galimoto.

Kodi Sberbank ikupereka chiyani?

Mu bankiyi muli mapulogalamu awiri otchuka:

- kusinthanitsa galimoto ya ngongole kwa yatsopano;

- kusintha kwa ngongole.

Kubwezeretsanso ngongole ya galimoto ku Sberbank ndi njira yaikulu yomwe imapereka:

- kulembera ndi kulingalira za ntchito ku banki;

- kupereka chitsimikizo (zina);

- Inshuwalansi ya galimoto yomwe yagula.

Kubwezeretsanso ngongole ya galimoto ndi chinthu chodabwitsa cha ndalama m'manja mwa anthu ambiri omwe angathe kusamala mosamala pazochitika zonse za mapulaniwa.