Ngongole yagalimoto yamagalimoto omwe agwiritsidwa ntchito komanso yatsopano - momwe mungapezere ngongole yamagalimoto (osalipira, CASCO, satifiketi, CI yoyipa) ndi komwe mungapeze ngongole yapa galimoto yopindulitsa

Masana abwino, owerenga okondedwa a Maganizo a Moyo pa Intaneti! Lero tikambirana za ngongole yamagalimoto: komwe ndi momwe mungapezere (ngongole) yagalimoto popanda kubweza, inshuwaransi ya CASCO, ziphaso za ndalama ndi ma guarantors (zikalata ziwiri zokha), ndikuuzaninso mabanki ati omwe amapereka ngongole yamagalimoto yamagalimoto atsopano ndi omwe agwiritsidwa ntchito kwambiri mikhalidwe yabwino.

Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!

Mukawerenga nkhaniyi, muphunzira:

• Kodi ngongole yamagalimoto ndi chiyani komanso mitundu yanji yobwereka galimoto;
• Kodi ndi banki iti yomwe imakhala yopindulitsa kutenga ngongole yamagalimoto, mungapeze bwanji ngongole yagalimoto popanda kubweza ngongole komanso mbiri yanu yoipa;
• Kodi ndi pati pomwe kuli bwino kutenga ngongole yamagalimoto popanda CASCO;
• Ndi njira ziti zomwe ziyenera kutengedwa kuti mutengere ngongole yamagalimoto agwiritsidwe ntchito.

Kuphatikiza apo, kumapeto kwa kufalitsa, mupezako mwachikhalidwe mayankho pamafunso omwe amafunsidwa pafupipafupi okhudzana ndi ngongole zamagalimoto.

Nkhani yomwe yaperekedwa idzakhala yosangalatsa komanso yothandiza kwa iwo omwe akufuna kugula galimoto popanda ndalama zokwanira kuchita izi. Ndizofunikanso kuti muwerenge za iwo omwe asankha kupititsa patsogolo maphunziro awo azachuma.

Ngati muli m'gulu limodzi, musataye nthawi, yambani kuwerenga tsopano!

Momwe mungapezere ngongole yamagalimoto yopindulitsa pagalimoto yatsopano kapena yogwiritsidwa ntchito (osapereka ndalama, CASCO, ziphaso), komanso komwe mungapeze ngongole yapa galimoto ndi mbiri yoyipa ya ngongole - werengani nkhaniyi!

1. Ngongole yagalimoto ngati njira yachangu yogulira galimoto pakagwa ndalama

Bwanji ngati mukufunitsitsadi kukhala ndi galimoto, koma mulibe ndalama zokwanira? Pali njira zingapo zothetsera vutoli.

Zosankha pazomwe mungachite ngati mulibe ndalama zokwanira kugula galimoto yomwe mukufuna:

1. kuimitsa kaye kugula kufikira pomwe ndalama zofunikira zikupezeka;
2. sankhani galimoto yotsika mtengo, yomwe padzakhala ndalama zokwanira;
3. pezani ngongole yagalimoto.

Njira ziwiri zoyambirira amakulolani kuti muzisunga ndalama kwambiri, koma muyenera kupitiliza kukwera.

Njira yachitatu zimapangitsa kukhala kotheka kukhala mwini wagalimoto nthawi yomweyo - m'masiku ochepa. Komabe, muyenera kulipira kwambiri kwa galimoto, kuchuluka kwakukulu, komwe kumakhala ndi chidwi ndi ngongole ndi mabungwe osiyanasiyana.

Zachidziwikire, zili kwa aliyense kusankha njira yomwe angafune. Komabe, kuti mupange chisankho choyenera, muyenera kukhala ndi chidziwitso chokwanira chazomwe zingachitike pangongole zamagalimoto. Chifukwa chake, nkhaniyi idapangidwa.

Kuphunzira kwavuto lililonse kuyenera kuyamba ndikuzindikira mawuwo.

Ngongole yamagalimoto - Umenewu ndi mtundu wobwereka, momwe kampani yobwereketsa ndalama imapatsa wobwereka ndalama zogulira galimoto, ndikuzipereka kwa wogulitsa.

Ndikofunika kumvetsetsakuti galimoto ikhalabe ikulonjezedwa ndi banki mpaka ngongole yagalimoto itabwezedwa.

Ambiri amakana kufunsira ngongole yogula galimoto, chifukwa amakhulupirira kuti kulipira kulikonse komwe ataphonya kumatha kutaya galimoto yawo. Musaope - sizovuta kwenikweni. Banki imatha kunyamula galimoto mothandizidwa ndi olipiritsa... Njirayi ndiyotalika, chifukwa woyamba wobwereketsa ayenera kupereka chikalata kukhothi.

Pambuyo pake, mlanduwo ukayang'aniridwa kukhothi. Ndipokhapo banki ikawina, izitha kufuna kuti wobwereketsayo akwaniritse zomwe adachita ngongole. Ngakhale zili choncho, galimoto siyofunikira kuti isankhidwe. Wobwereka ayenera wekha sankhani momwe angagwiritsire ntchito chigamulo cha khothi - kugulitsa galimoto kapena bwezerani ngongolezo mwanjira ina... Kuti mudziwe momwe mungagulitsire mwachangu galimoto yakale, werengani nkhaniyi kulumikizano.

Komanso, munthu amene walandira ngongole yagalimoto sangayembekezere kuti banki imusunge. Ndikofunika kulumikizana ndi bungwe la ngongole ngati muli ndi mavuto olipira ngongole kuti muyesetse kuthetsa mwamtendere. Izi zitha kuchitika m'njira zingapo.

Zosankha pazomwe mungachite ngati sizingatheke kubweza ngongole:

• funsani tchuthi cha ngongole - kuyimitsidwa kwa malipiro kwa miyezi ingapo;
• pangani ngongole - kuchepetsa kuchuluka kwa zolipira powonjezera nthawi yobwereketsa;
• kubwezeretsanso ngongole kubanki ina kuti muchepetse kuchuluka kwa zolipira.

Mwachilengedwe, zonsezi pamwambapa ndizovuta kwambiri. Ndikokwanira kuwunika momwe ndalama zanu zilili ndikulipira munthawi yake kuti mupewe zovuta zomwe tafotokozazi.

Sizovuta kutenga ngongole yamagalimoto, ndikwanira kuthana ndi izi:

1. kusankha galimoto;
2. kulumikizana ndi bungwe la ngongole;
3. kumaliza mgwirizano wamgwirizano wogula galimoto;
4. kupanga malipiro oyamba;
5. kusamutsa ndalama zobwerekedwa kubanki kwaogulitsa magalimoto;
6. kulembetsanso galimoto kwa wobwereka.

Ngongole yamagalimoto ndi chandamale ngongole... Ndalama zomwe zili pamenepo zitha kugwiritsidwa ntchito pogula galimoto. Komabe, mabanki ena amachepetsa mndandanda wamagulu ogulitsa magalimoto komwe mungagule.

Mkhalidwe waukulu pakubwereketsa galimoto ndi chiwongola dzanja... Masiku ano mumsika wachuma waku Russia mtengo wake wapakati uli pamitundu kuchokera ku 12 mpaka 20% pachaka.

Palinso magawo ena ofunikira a ngongole yagalimoto yomwe banki imapereka:

• nthawi kuchokera 12 kale 60 miyezi;
• chindapusa choyambirira atha kusowa, ndipo atha kufika theka la mtengo wamagalimoto;
• inshuwaransi OSAGO ndipo CASCO (ena obwereketsa salola kuti apereke lamulo lomaliza).

Poganiza zopempha ngongole yagalimoto, wobwereketsayo ayenera kudziwa zomwe banki ikufuna kwa wopemphayo.

Zofunikira zazikulu za mabanki kwa obwereka omwe adapereka ngongole yamagalimoto:

• nzika zaku Russia;
• zaka kuchokera 21 za chaka (nthawi zina kuyambira 18) zisanachitike 65 zaka patsiku lomwe abweza ngongole yonse;
• kulembetsa kwamuyaya pamalo omwe nthambi ya banki ili;
• ukalamba pantchito yomaliza osachepera 6 miyezimabungwe ena angongole amafunika kuti akhale osachepera miyezi 12;
• ndalama zomwe boma limatsimikizira ziyenera kukhala zokwanira kubweza ngongoleyo.

Monga ntchito iliyonse yazandalama, ngongole yamagalimoto imakhala nayo ubwino ndipo zofooka.

Mfundo zazikuluzikulu zomwe zimakopa nzika kuti zikalembetse ngongole yagalimoto ndi izi:

1. mwayi wokhala mwini wamagalimoto munthawi yochepa kwambiri ndi ndalama zochepa;
2. nthawi yobwezera yayitali poyerekeza ndi ngongole za ogula imabweretsa kutsika kwa kukula kwa zolipira pamwezi;
3. ngati mukufuna kugula galimoto yapanyumba, mutha kubwereka ngongole pazokonda - pafupifupi pansi 9% pachaka.

Zina mwazovuta zakubwereketsa galimoto ndi izi:

1. Ngongole nthawi zonse imatsagana ndi zochulukirapo pamtengo wopeza zonse zenizeni. Pafupipafupi, galimotoyo imawononga 50% okwera mtengo kuposa kulipira osakopa ndalama za ngongole;
2. Mabungwe ambiri a ngongole amafuna kuti mupereke ndondomeko ya CASCO mosalephera. Izi zimawonjezera mtengo wa mwini galimoto pafupifupi 10%... Tinalemba momwe tingawerengere CASCO ndi zomwe mtengo wake umadalira m'nkhani yomaliza.

Ngongole yofulumira komanso yabwino yagalimoto, mutha kugwiritsa ntchito mwayiwo kulembetsa ntchito kudzera pa intaneti... Ndikosavuta kutumiza kufunsa mafunso kumabanki angapo nthawi imodzi.

Mitundu yayikulu yobwereka galimoto (ngongole zagalimoto)

2. Ngongole iti yogulira galimoto - mitundu isanu ndi iwiri yayikulu yobwerekera galimoto 📊

Njira yobwereketsa yomwe yafotokozedwa pamwambapa (m'gawo loyambirira la nkhaniyi) ndiyofanana. Komabe, si za aliyense. Ichi ndichifukwa chake alipo njira zina, zomwe ndizosavuta kusankha zomwe zikufunika kuti mudziwe nokha, ngongole yagalimoto ndiyopindulitsa kwambiri.

M'munsimu muli 7 mitundu yotchuka kwambiri yamagalimoto.

Type 1. Express ngongole yagalimoto (ngongole mwachangu pagalimoto)

Mbali yapadera ya ngongole zachangu zamagalimoto ndi liwiro lalikulu la kulembetsa... Komabe, mtundu uwu wobwereketsa uli ndi zovuta zazikulu.

Zoyipa za (-) ngongole zakuwononga zamagalimoto ndi monga:

• Nthawi yobweza ngongole, komanso kukula kwa ngongole za ngongole zoterezi, zachepetsedwa chifukwa cha ziwopsezo zazikulu zomwe banki imaganiza;
• Chiwongola dzanja chachikulu;
• Ndalama zolipirira zidzafunika, zomwe sizingakhale zochepa 30% yamtengo wapatali.

Ndi zovuta zochuluka chonchi, ngongole yamagalimoto ofotokoza ili ndi zofunikira ulemu (+) - cheke mwachangu kwambiri. Ngati mungasankhe bwino mukalembetsa pulogalamuyi, mutha kupeza ndalama mu maola angapo.

Kwa iwo omwe ali opirira kugula galimoto, chiwembuchi ndi choyenera. Komabe, ndibwino kuti musathamangire ndikusanthula zonse zomwe mungachite pangongole zamagalimoto. Zambiri zitha kukhala zopindulitsa kuposa ngongole yangongole yamagalimoto.

Onani 2. Ngongole yamagalimoto pamachitidwe a Trade-in

Ngongole yamagalimoto imatha kukhala yothandiza osati kwa iwo okha omwe amagula galimoto koyamba, komanso kwa iwo omwe asankha kusintha kavalo wawo wachitsulo.

Posankha chiwembuchi, galimoto yomwe ikupezeka idzakhala gawo loyamba.

ubwino (+) Kugulitsa zoonekeratu - palibe chifukwa chofunira wogula galimoto yanu, komanso ndalama zoperekera pasadakhale.

Komabe, palinso zofunikira zovuta (-) - Obwereketsa nthawi zambiri amanyalanyaza ↓ mtengo wamagalimoto omwe agulidwa poyerekeza ndi mtengo wamsika.

Type 3. Ngongole yamagalimoto yowombolera (Kubwereranso)

Dzinalo lamasuliridwa kuchokera ku Chingerezi monga "Gulaninso"... Poterepa, ngongole yangongole yachikhalidwe imaperekedwa kwa 3 za chaka. Mbali yapadera ya mitunduyi ndikuti wobwereka amalipira gawo limodzi la ngongole - kawirikawiri 50-80%.

Ndalama zomwe munagwirizana zikangoperekedwa, ogulitsa magalimoto azigula galimotoyo. Poterepa, gawo la ndalamazo lidzagwiritsidwa ntchito kubwezera ngongoleyo, wobwerekayo wotsala azitha kudzipangira mwakufuna kwake. Ali ndi ufulu wotenga ndalama kapena kupanga mgwirizano wogula galimoto yatsopano.

Ngati galimoto ya wobwerekayo ikukwanira, atha kulipira ngongole yonse payokha ndikudzisungira yekha. Ngati ndalama zomwe simukufuna sizingakhalepo, mutha kugwiritsanso ntchito mwayi wobwereketsa.

Zoyipa (-) za ngongole yamagalimoto pamakina a Buy-back ndi awa:

• Ndikofunika kuyang'anira nthawi zonse galimoto ili bwino, chifukwa kufunika kwake pakuwomboledwa kumatengera izi;
• Muyenera kutulutsa ma inshuwaransi onse, komanso kukonzedwa pafupipafupi m'malo azithandizo.

Ngakhale zovuta za mtundu uwu wa ngongole yamagalimoto, dongosolo la Buy-back ndi yankho labwino kwambiri kwa iwo omwe amasintha magalimoto pafupipafupi.

Lembani 4. Ngongole yamagalimoto popanda kubweza

Njirayi ndiyabwino kwa iwo omwe alibe njira yolipirira ndipo akufuna kugula galimoto posachedwa.

Ndikofunikira kudziwa kuti ngongole yotere yagalimoto ili ndiokwera kwambiri. Chifukwa chake, pakalibe malipiro ochepa malipiro ochulukirapo padzakhala zambiri ↑.

Lembani 5. Ngongole yamagalimoto yopanda CASCO

Pofunsira ngongole yamgalimoto, mabanki ambiri amafuna kuti wobwereka agule Ndondomeko ya CASCO... Mtengo wa inshuwaransi yotere ndiwokwera kwambiri, chifukwa chake kulipira kwakukulu kwa galimoto kumakulirakulira.

Ambiri, kuti asalipire inshuwaransi, amasankha ngongole za ogula. Koma ziyenera kukumbukiridwa kuti kuchuluka kwa ngongole zotere ndikokwera kwambiri. Izi zimabweretsanso kuwonjezeka kwa kulipirira kwambiri.

Kuti mugule galimoto yopindulitsa momwe mungathere, muyenera kuwerengera momwe mitengoyo idzakhalire - mukamapereka ndondomeko ya CASCO kapena pomaliza mgwirizano ndiokwera kwambiri.

Mabungwe ena obwereketsa amapereka zachikhalidwe Ngongole zamagalimoto popanda inshuwaransi... Koma pakadali pano, sizigwira ntchito kugula galimoto yokwera mtengo, chifukwa ndalama zomwe zingabwereke zidzakhala basi 500 000 Ma ruble... Kuphatikiza apo, ngongole zotere zagalimoto zili ndi kuchuluka kwakukulu.

Lembani 6. Ngongole yamagalimoto yopanda ndalama

Lero, mkati mwa mpikisano, mabanki akupanga malingaliro osangalatsa kwa obwereketsa. Tsopano mutha kutenga ngongole yagalimoto popereka zikalata zochepa.

Poterepa, simufunikanso kuti mutenge zikalata kuchokera kuntchito, kukhudzana ndi omwe amabwereka ndalama ndi othandizira. Komabe, ngongole zokhala ndi njira yosavuta yopangira nthawi zonse zimaperekedwa okwera mtengo kwambiri, popeza kuchuluka kwa iwo nthawi zambiri kumakhala kwakukulu kuposa ↑.

Onani 7. Kubwereketsa magalimoto

Choyamba, tiyeni tione kuti lingalirolo ndi lotani "Kubwereketsa".

Kubwereketsa ndikulandila kwa galimoto kuti igwiritsidwe ntchito ndi mwayi woti iwomboledwe pambuyo poti mgwirizano watha.

Mtundu uwu wopeza makina umatchedwanso kubwereketsa ndalama... Kusiyana kwakukulu pakubwereka ndi kusankha - kugula galimoto kapena kukana.

Pali zabwino zingapo zobwereketsa ngongole yagalimoto:

1. ochepa peresenti;
2. njira yosavuta yopezera;
3. ndandanda wa zolipirira pamwezi umasinthasintha kuposa momwe zimakhalira ndi ngongole zamagalimoto;
4. palibe chifukwa chokopa ma guarantors kapena kupereka zina zowonjezera;
5. wobwereka sayenera kulipira msonkho, popeza galimoto imakhalabe m'manja mwa kampani yobwereketsa panthawi yamgwirizano.

Akatswiri amati kuti kubwereketsa galimoto kumatha kukhala kopindulitsa kwambiri kuposa kubwereketsa galimoto. Izi ndizowona makamaka, atatha mgwirizano, wolemba ntchitoyo akufuna kubwezera galimoto kwa wogulitsa. Nthawi yomweyo, palibe zovuta pogulitsa galimoto yomwe idagwiritsidwa ntchito.

---

Chifukwa chake, pali njira zambiri zogulira galimoto yopanda ndalama zokwanira. Odziwika kwambiri afotokozedwa mwatsatanetsatane pansipa.

3. Ngongole yamagalimoto popanda kubweza ngongole - momwe mungapangire galimoto yatsopano pangongole m'masitepe 7 + m'mabanki omwe amapereka ngongole yobwereka popanda kubweza ngongole 📑

Masiku ano, ngakhale iwo omwe alibe ndalama amalota kugula galimoto. Makamaka pazochitika zotere, ngongole zamagalimoto zidapangidwa popanda kufunika kolipira koyamba.

Si mabanki onse omwe ali ndi mapulogalamu ngati amenewa. Komabe, m'mizinda ikuluikulu, ndikosavuta kupeza mabungwe angapo obwereketsa omwe amapereka ngongole yogula galimoto popanda kubweza.

3.1. Ubwino ndi zovuta za ngongole yamagalimoto popanda kubweza

Mabanki si mabungwe othandiza, choncho amachita zonse zomwe angathe kuti achulukitse mwayi wobweza ndalama zomwe amapereka. Izi zimapangitsa kuti nthawi zambiri, omwe angabwereke ndalama amafunika kupereka zikalata zosonyeza kuti solvency ndiyokwanira.

Komabe, kuwonjezera pa izi, chitsimikiziro chazachuma chokhudzana ndi kasitomala chimafunikanso. Izi ndi zomwe chindapusa choyambirira... Kukula kwake kumasiyanasiyana pamapulogalamu osiyanasiyana m'malo osiyanasiyana obwereketsa. Nthawi zambiri chigawo choyamba chimafunika kuchokera 10% mpaka 50% mtengo wa galimoto.

Ndikofunikira kumvetsetsa chifukwa chomwe mabanki amafunira kuti alipire. Chilichonse ndichosavuta. Mtengo wamagalimoto ukucheperachepera ↓. Mukamagula malo ogulitsa magalimoto, mutachoka kudera lake, galimoto imakhala yotsika mtengo pafupifupi pa 10%... Pambuyo pake pachaka mtengo ukugwa ndi 5-10%.

Polemba zofuna zakubwezeredwa, banki imayesetsa kubweza ndalama zomwe zikugwirizana ndi kutsika kwa mtengo wagalimoto.Zotsatira zake, ngati wobwerekayo akana kulipira ngongoleyo, mwayi ukuwonjezeka kuti ndalama zomwe amapeza pogulitsa chikolezo zibwezera zomwe wobwereketsayo adachita.

Pomwe kampani yobwereketsa ikufuna kukonza ngongole yagalimoto popanda kulipira koyamba, zoopsa zimaphimbidwa m'njira zina.

Zosankha pazomwe mabanki amagwiritsa ntchito kuti achepetse ngozi mukamapereka ngongole yamagalimoto popanda kubweza:

1. kuwunika kokwanira za mbiri yakubweza ngongole ndi mbiri ya ngongole - obwereketsa omwe ali ndi mavuto sangapatsidwe ngongole yamagalimoto popanda kubweza;
2. kuchuluka kwa mitengo - pafupifupi ngongole popanda kulipira koyamba, ndizo kuyatsa 5-10% pachaka pamwambapa ↑;
3. chofunikira kugula ndondomeko ya CASCO - pakagwa mavuto ndi galimoto, ndalama za inshuwaransi zimatumizidwa kuti zibweze ngongole yobweza;
4. kuchepetsa kuchuluka kwa ngongole yapa galimoto - sizokayikitsa kuti zitha kukhala zopitilira miliyoni imodzi popanda kubweza;
5. kuchepetsa kwa ngongole - mosiyana ndi ziwembu zonse, pomwe nthawi yolipira yayitali ndi zaka 5, pakalibe kulipira koyamba, nthawi zambirisichipitirira3 zaka;
6. wobwereketsa angafune kutenga nawo mbali ma guarantors.

Njira zonse zomwe zafotokozedwazo zimawopseza wobwereka ndi kukwera mtengo wotsiriza wa galimotoyo. Kotero, Ndondomeko ya CASCO ndalama pafupifupi 10% kuchokera pamtengo wapangongole. Iyenera kupangidwa chaka chilichonse mpaka ngongoleyo itaperekedwa. Ngati tiwonjezera apa kuchuluka kwambirikomanso zosiyanasiyana ntchito ndipo ndalama zowonjezera, malipiro ochulukirapo zidzakhala zambiri pamwambapa↑... Koma nthawi yomweyo, mutha kukhala ndi galimoto yabwino popanda ndalama.

Ndikofunikira kudziwa kuti sikuti aliyense adzalandira ngongole yagalimoto. Wobwereka amakhala ndi zofunika zina. Ndiosiyana m'mabanki osiyanasiyana, koma pali mitundu ingapo yazikhalidwe, zosiyana zake sizimalola kuwerengera ndalama.

Zofunikira zazikulu za mabanki kwa anthu omwe akufuna kufunsira ngongole yagalimoto popanda kubweza:

• Nzika zaku Russia;
• zaka kuyambira 21 kale 65 zaka;
• kulembetsa kwamuyaya pamalo omwe pali ngongole;
• ndalama zolembedwaamene kukula kwake kuli kochepera 2 nthawi zolipira pamwezi;
• ntchito yovomerezeka mu kampani yodalirika;
• zochitika pa ntchito yomaliza osachepera 12 miyezi;
• palibe ngongole zonse;
• mbiri ya ngongole yonse.

Pali mawonekedwe angapo obwereketsa omwe amachepetsa kwambiri mwayi wosankha kubanki:

1. kusowa kwa ID yankhondo kwa anyamata achichepere 27 zaka;
2. wopemphayo ali ndi omudalira;
3. maudindo olipirira alimony.

Mwa njira, kugula galimoto yogwiritsidwa ntchito popanda kulipidwa sikungachitike. Nthawi zambiri, chiwembu ichi chimagwiritsidwa ntchito kugula galimoto. zokha kudzera mu salon. Kwa obwereka osiyanasiyana, zitha kukhala ngati kuphatikizandipo kuchotsa ngongole popanda kubweza koyamba.Ndi imodzi Mbali inayi, mtengo wamakina otere ndiwokwera, koma zosankha ndizochepa. Ndi wina - padzakhala chitsimikizo chovomerezeka cha kugula kwa galimotoyo, momwe ingagwiritsire ntchito.

Ubwino wofunikira kwambiri pakubweza ngongole ya galimoto popanda kubweza ndikuti palibe chifukwa chosungira ndalama. Pogwiritsa ntchito njirayi, mutha kukhala ndi galimoto nthawi iliyonse yomwe mukufuna. Kwa izi ndikofunikira kupeza chilolezo ku banki.

Njira zosavuta za 7 momwe mungapezere ngongole yamagalimoto popanda kubweza ngongole pagalimoto yatsopano

3.2. Momwe mungapezere ngongole yamagalimoto popanda kubweza ngongole pagalimoto yatsopano - malangizo ndi magawo

Alipo 2 njira zokhalira ndi galimoto ngati mulibe ndalama:

1. Pezani ngongole kubungwe la ngongole;
2. Pezani ngongole pamalo ogulitsa magalimoto.

M'malo mwake, ndipo nthawi ina, mgwirizano wa ngongole upangidwa ndi banki. Komabe, mukamacheza ndi salon, ngongole nthawi zambiri imawononga okwera mtengo kwambiri... Njira yokhayo yochepetsera kulipira kwakukulu pankhaniyi ndikugwiritsa ntchito mwayi wanyengo.

Mosasamala kanthu komwe zikalata zoperekera ngongole yagalimoto zimaperekedwa, iwo omwe amafunsira ngongoleyi koyamba akhoza kukumana ndi mavuto, osadziwa momwe akuyenera kutsatira. Zitha kuthandiza tsatane-tsatane malangizoyolembedwa ndi akatswiri.

Gawo 1. Kusankha galimoto

Gawo loyamba lofunsira ngongole yagalimoto liyenera kukhala kusaka ndikusankha galimoto. Ndikofunikira kusankha osati ndi chitsanzokomanso ndi kumaliza kwathunthu... Njirayi imakuthandizani kuti mumvetsetse pasadakhale kuchuluka kwa ndalama zomwe zifunike.

Zofunika! Posankha galimoto, zinthu zofunikira zikhale zosowa, ndi mwayi wachuma wobwereka yekha.

Pofuna kuti asatengeke ndi kukopa kwa akatswiri ogulitsa magalimoto, ndi bwino kulemba zofunikira za wobwereka pagalimoto. Ngati simukuchita izi, pali kuthekera kogula galimoto yosiyana kwambiri ndi yomwe mungafune. Zogula izi nthawi zambiri zimakhala zokwera mtengo kwambiri.

Gawo 2. Kusankha banki ndikuyerekeza mapulogalamu obwereketsa

Masiku ano, mabanki angapo amapereka mwayi wokongoza ngongole yagalimoto. Zachidziwikire, kwa iwo omwe alibe njira yolipirira, mndandanda ukucheperachepera. Komabe, ngakhale gulu lotere la anthu limatha kupeza mwayi wabwino.

Choyambirira, ndikofunikira kupenda momwe zinthu zimakhalira kubanki momwe wobwereketsa mtsogolo amalandila malipiro. Nthawi zambiri pano mutha kudalira zinthu zabwino - kuchepa kwa ↓ chiwongola dzanja ndi kuwonjezera ↑ kuchuluka kwa ngongole.

Komabe, ngati malamulo obwereketsa kubanki "yamalipiro" sakukhutiritsa, kapena kampani ikulipira ndalama ndi ndalama, muyenera kuyang'ana wobwereketsa wina.

Pakusankha banki, muyenera kuganizira izi:

• mlingo, lolembedwa ndi bungwe loyimira palokha;
• kupezeka kwa madera;
• Nthawi yogwirira ntchito mumsika wachuma ku Russia;
• ndemanga iwo omwe agwiritsa kale ntchito zantchito za ngongole.

Ndikofunika kudziwa! Kuwongolera njira yosankhira banki, mutha kugwiritsa ntchito ntchito zapaderayofotokozedwa kwambiri pa intaneti masiku ano. Amakulolani kufananizira mapulogalamu amabanki osiyanasiyana mofulumira ndipo palibe vuto.

Mukamasankha wobwereketsa, muyenera kukumbukira kuti mabungwe akuluakulu komanso odziwika amatha kudzitama chifukwa chodalirika kwambiri.

Gawo 3. Kukonzekera phukusi la zikalata ndikulemba fomu

Atasankha banki, wobwereka ayenera kudziwa zikalata zomwe angafunikire kuti adzalembetse ngongole yagalimoto pano. Kapangidwe kazitetezo zitha kusiyanasiyana m'mabanki osiyanasiyana, koma palinso zofunikira zomwe mabungwe onse amabwereketsa.

Pachikhalidwe, phukusi la zikalata zofunsira ngongole yagalimoto limaphatikizapo:

1. Pasipoti yaku Russia;
2. chikalata chachiwiri (Mwachitsanzo, layisensi yoyendetsa, satifiketi ya SNILS ndi ena);
3. buku lovomerezeka ndi wolemba ntchito;
4. satifiketi ya ndalama 2-NDFL kapena malinga ndi momwe banki idapangira.

Mwayi wamakono umalola omwe angabwereke ndalama kuti azisunga nthawi yambiri akalembetsa. Lero palibe chifukwa choti mupite kukaona nthambi yanyumba yosankhidwa ya ngongole ndikudikirira pamzere kwa nthawi yayitali. Mutha kutumiza fomu yofunsira ngongole yagalimoto kugwiritsa intaneti.

Zofunika! Ndikofunika kutumiza fomu yofunsira ngongole yamagalimoto kuma banki ambiri. Ndiye, kukana kukalandira ngongole imodzi, simuyenera kutaya nthawi polemba mapulogalamu atsopano. Ngati chisankho choyenera chikuchokera kumabanki angapo, mutha kusankha yabwino kwambiri.

Kuyankha pazomwe zatumizidwa nthawi zambiri kumavomerezedwa kwa maola ochepa kapena 1-2 masiku... Pakadali pano, banki imayang'ana mbiri ya ngongole... Komabe, popanga pulogalamu yapaintaneti, wobwereka ayenera kudziwa kuti chisankhocho chizikhala choyambirira. Mukalandira chilolezo, mudzayenera kupita ku banki ndi mapepala. Pambuyo pofufuza, m'pamene adzalandire yankho lomaliza.

Gawo 4. Kukhazikitsidwa kwa mgwirizano wa ngongole

Gawo ili ndilofunikira kwambiri pakupeza ngongole yamagalimoto. Komabe, obwereketsa ena amawona ngati mwamwambo chabe. Koma malingaliro awa nthawi zambiri amabweretsa mavuto ambiri.

Wobwereka aliyense ayenera mosamala werengani pangano la ngongole. Ali ndi ufulu wochita izi modekha komanso modekha. Ngati simungathe kuwerenga mgwirizano popanda kufulumira ku banki, mutha kupita nawo kunyumba.

Gawo 5. Kulembetsa magalimoto ndi inshuwaransi

Ngongole yamagalimoto popanda kubweza ngongole nthawi zambiri imafuna kulembetsa kovomerezeka Ndondomeko ya CASCO... Nthawi yomweyo, banki sikuyenera kuletsa wobwerekayo posankha kampani ya inshuwaransi.

Ndikoyenera kulingalira! Ndikosavuta kutulutsa mfundo za CASCO kudzera pa intaneti. Poterepa, inshuwaransi itenga ndalama wotchipa, ndipo ndondomekoyi iperekedwa molunjika kunyumba kwanu.

Pambuyo pogula, galimotoyo iyenera kulembedwa ndi apolisi apamtunda. Izi zitha kuchitika pasanathe masiku 10 kuchokera tsiku logwirizana. Poterepa, muyenera kutulutsa Ndondomeko ya OSAGO ndikusamutsira ku bajeti chindapusa cha boma.

Ndondomeko yolembetsa ikamalizidwa, mwiniwake wamagalimoto adzapatsidwa satifiketi, kutsimikizira kulembetsa.

Gawo 6. Kusamutsa PTS ndi inshuwaransi ku bungwe la ngongole

Malinga ndi momwe ngongole zagalimoto zimayendera TCP yapachiyambi ziyenera kusungidwa ku banki kuti zilembetse chikole. Pasipoti yagalimoto idzatsalabe mpaka ngongole yonse itabwezedwa.

Muyeneranso kupereka wobwereketsa makope a ndondomeko, kutsimikizira kulembetsa inshuwaransi.

Gawo 7. Kubweza ngongole ndi kuchotsa galimoto kuchikole

Palibenso kuyesanso kwina kotsalira. Ndikofunika kulipira ngongole panthaŵi yake ndi zonse.

Ngongole ikabwezeredwa, muyenera kulumikizana ndi banki. Apa yaperekedwa Kufunsira kwa PTS mwini wake. Kuphatikiza apo, ogwira ntchito kubungwe lobwereketsa ayenera kuchotsa zovuta mgalimoto.

---

Chifukwa chake, kutsatira malangizo osavuta pang'onopang'ono, mutha kukhala ndiokwaniritsa kwathunthu. Izi zitha kuchitika ngakhale pakalibe ndalama.

3.3. Kodi ndizabwino pati kutenga ngongole yamagalimoto popanda kubweza - mndandanda wamabanki TOP-3 okhala ndi zotsatsa zabwino

Kupeza banki yomwe imatha kupereka ngongole yamagalimoto osapereka ndalama zambiri kumakhala kovuta.

Chifukwa chake, akatswiri nthawi zambiri amalimbikitsa kugula galimoto pamtengo mpaka ma ruble 300,000 konzani ngongole ya ogula kapena kiredi.

Mulimonsemo, nthawi zonse muyenera kusanthula malingaliro a kuchuluka kwa mabungwe obwereketsa ngongole. Masanjidwe a akatswiri amathandizira kuti ntchitoyi ikhale yosavuta. Mmodzi wa iwo ali m'munsimu.

1) Alfa Bank

Ku banki iyi mutha kupeza kirediti kadi ndi malire mpaka ma ruble 300,000... Ngati mutha kubweza ndalama zanu nthawi 2 miyezi, chiwongola dzanja sichidzaperekedwa. Kutumizidwa kwa khadi mchaka choyamba ndi mfulu.

Mutha kulembetsa pa intaneti. Ngati chisankhocho chili chovomerezeka, mutha kupita ku ofesi yapafupi kukalandira khadiyo.

Zina mwazabwino (+) za Alfa Bank ndi izi:

• mitundu yambiri yazomwe mungapeze pakubweza ngongole;
• pulogalamu yam'manja;
• Nthambi zomwe zimagwira ntchito mpaka 21-00 ku Russia konse;
• chiwerengero chachikulu cha ATM;
• kutha kugwiritsa ntchito banki yapaintaneti.

2) Raiffeisenbank

Raiffeisenbank ikugwira ntchito mumsika wachuma waku Russia kuyambira pamenepo 1996 za chaka. Pambuyo polembetsa ngongole, muyenera kudikirira yankho basi 3 maola.

Ndizopindulitsa makamaka kufunsira ngongole kwa omwe amalandila ndalama pamakadi a kampaniyi yangongole. Pagulu la nzika, amaperekedwa mawu okondera.

Raiffeisenbank yakhazikitsa chiwongola dzanja pa ngongole zomwe zimapereka kuchokera 12.9% pachaka. Poterepa, kuchuluka kwa ngongole kumatha kufikira Ma ruble 1,500,000.

Ubwino wa kampani yopereka ngongole ndi iyi:

• kuganizira mwachangu ntchitoyo;
• palibe Commission yolembetsa ndi kupereka ngongole;
• ngati yankho ndi inde, wobwereka adzakhala ndi ndalama yogula galimoto tsiku lomwe chisankhocho chapangidwa;
• palibe kuimitsa ngongole yobweza msanga (mutha kubweza ndalama zonse kuyambira mwezi woyamba);
• palibe chifukwa choperekera chitetezo chowonjezera - chikole ndi chikole.

3) VTB Bank yaku Moscow

Mu bungwe ili la ngongole, mwanjira iliyonse, amatulutsa mpaka ma ruble 3,000,000... Poterepa, mulingo wake ulipo 14,9% pachaka.

Kuti mupereke fomu yofunsira, ndikwanira kuti mudzaze mafunso patsamba la banki. Kale kuwoloka 15 mphindi banki ipanga chisankho choyambirira. Pambuyo pake, ndi zikalatazo, muyenera kupita kuofesi ya bungwe la ngongole ndikusayina mgwirizano.

VTB Bank of Moscow imapereka mapulogalamu osakondera amitundu iwiri ya nzika:

1. ogwira ntchito zaboma;
2. makasitomala olipira.

Anthu omwe amalandila malipiro pa khadi la bankiyi atha kukhala obwereka pongopereka zikalata ziwiri zokha - Pasipoti yaku Russia ndipo Satifiketi SNILS.

Ngati wobwerekayo ali ndi mavuto azachuma, banki imapereka maholide a ngongole mpaka miyezi iwiri.

---

Poyerekeza bwino mabungwe obwereketsa omwe afotokozedwa pamwambapa, zomwe zimaperekedwa ndi iwo zikuwonetsedwa patebulo.

Gulu la TOP-3 mabungwe obwereketsa ngongole ndi momwe angapangire ngongole yagalimoto:

Kuyendetsa ngongole	Kuchuluka kwa ngongole	Chiwongola dzanja	Ubwino
Alfa Bank	Ndi kirediti kadi - ma ruble 300,000	Pali nthawi yachisomo pa khadi - masiku 60 23.99% pachaka	Yankho la pempholi pasanathe mphindi ziwiri
Raiffeisenbank	Ma ruble 1.5 miliyoni	Kuchokera ku 12.9% pachaka	Zokonda za makasitomala amisonkho Palibe ma guarantor komanso chikole chofunikira
VTB Bank of Moscow	3 miliyoni rubles	Kuchokera ku 14.9% pachaka	Mapulogalamu apadera ogwira ntchito zaboma ndi makasitomala amisonkho

4. Ngongole yagalimoto yamagalimoto akale - momwe mungatengere galimoto yomwe mwakhala mukugwiritsa ntchito pangongole ndi omwe mabanki amapereka ngongole yagalimoto yagwiritsidwe ntchito

Sikuti aliyense angakwanitse kugula galimoto yatsopano m'chipinda chowonetsera. Nthawi zambiri, nzika zaku Russia zimagula magalimoto akale.

Komabe, bwanji ngati kulibe ndalama zokwanira ngakhale galimoto yotere? Kodi uyeneradi kusiya maloto ako? Pali potuluka - ngongole yantchito yamagalimoto... Tiyeni tiyesetse kudziwa nthawi yomwe mungapeze ndalama ndi momwe mungachitire bwino.

4.1. Kodi ndizopindulitsa kutenga ngongole yamagalimoto pagalimoto yomwe idagwiritsidwapo ntchito?

Choyambirira, muyenera kumvetsetsa kuti si galimoto zilizonse zomwe zitha kugulidwa pa ngongole. Mabanki amaphunzira mosamala zomwe galimotoyo idagula ndikuyika zofunikira zake.

Zachidziwikire, wobwereketsa aliyense ali ndi zikhalidwe zake. Komabe, pali zinthu zingapo zomwe galimoto yomwe idagwiritsidwa ntchito iyenera kukumana nayo kuti igule ndi ndalama zobwerekedwa.

Zofunikira pagalimoto yomwe mudagwiritsa ntchito mukamagula pa ngongole:

• mtengo osaposa kuchuluka komwe banki imakhazikitsa - nthawi zambiri osati apamwamba 1 000 000 Ma ruble;
• zaka zamagalimoto oweta sadzapezekanso 5 zaka, akunja - 10 zaka;
• kulemera kwake basi 3,5 matani;
• mtunda zamagalimoto akunja mkati 100 000 Km, zoweta - 50 000 Km.

Nthawi zambiri, mabanki amapereka ngongole yogula magalimoto omwe adagwirapo ntchito mogwirizana ndi ogulitsa magalimoto. Pogula galimoto kuchokera kwa munthu kubungwe la ngongole, chiwopsezo chimakula kwambiri. Zikatero, zimakhala zosatheka kuti banki ifufuze zaukadaulo, komanso kuvomerezeka kwa galimotoyi.

Kumbukirani, ogulitsa magalimoto amagulitsa magalimoto pafupifupi 5-10% kuposa omwe amagulitsa anzawo. Komabe, kwa wogula alipo ubwino zoterezi - palibe chifukwa chodziwitsira pawokha momwe galimoto imagwirira ntchito. Izi zikutanthauza kuti chiopsezo chopeza galimoto yobedwa kapena yowonongeka ichepetsedwa kwambiri ↓.

Sikuti aliyense angapeze ngongole kuti agule galimoto yakale. Wopemphayo ayenera kukwaniritsa zofunikira zina kubanki.

Zomwe zofunika kubwereka ndi izi:

1. zaka kuchokera 21 kale 65 zaka;
2. Nzika zaku Russia;
3. kupezeka kwa kulembetsa kwamuyaya mdera lomwe banki ili;
4. mbiri yabwino ya ngongole;
5. ntchito yonse yochepera 12 miyezi, m'malo omaliza - osachepera 6 miyezi.

Mabungwe ena angongole amafunanso zinachitikira galimoto... Wobwereka mtsogolo akuyenera kuyendetsa osachepera 10 zaka.

Zofunika! Pafupifupi, ngongole yamagalimoto idzakanidwa kwa achinyamata komanso opuma pantchito. Pogwiritsa ntchito mapulogalamu okondera, komabe, sikungakhale kotheka kugula galimoto yakale. Amaperekedwa kokha magalimoto atsopano.

Omwe aganiza zogula galimoto yakale pa ngongole ayenera kusungitsa ndalama zina. MusaiwaleMagalimoto omwe amagwiritsidwa ntchito amafunikira kukonza nthawi yomweyo akagula. Tiyenera kusintha zofunikira, madzi, zinthu zotayika. Izi nthawi zambiri zimatenga 30% mtengo wa galimoto.

Musanasankhe kugula galimoto yomwe mwakhala mukuyigwiritsa ntchito pangongole, ndikofunikira kuti muphunzire mosamala zabwino zonse ndi zovuta zake.

Zina mwazabwino (+) za ngongole zotere ndi izi:

1. mtengo wotsika;
2. ngongole zochepa zimabweretsa kubweza kopanda phindu;
3. kusankha magalimoto akunja ndi magalimoto apanyumba ndizowonjezera;
4. mukamagula pamalonda ogulitsa magalimoto, pamakhala mwayi wokhala ndi galimoto yomwe siyotsika ayi.

Ngakhale zabwino zomwe sizingatsutsike, ngongole yagalimoto yomwe idagwiritsidwa ntchito ili ndi zovuta zingapo.

Zoyipa (-) zikuphatikiza:

1. Mukamagula kwa anthu, zimakhala zovuta kutsata kuvomerezeka galimoto. Zotsatira zake, pamakhala mwayi wokhala ndi galimoto yachifwamba, zomwe zingayambitse mavuto apolisi apamsewu. Pomaliza, galimoto itha kunyamuka.
2. Mukamagula pamalo ogulitsa magalimoto, mtengowo umaphatikizapo kukonzekera ndi kukonzeratu. Zotsatira zake ndikukula kwamitengo ya compared poyerekeza ndi msika wamba.
3. Kuwonjezeka kwakukulu pamitengo yamagalimoto chifukwa cha chiwongola dzanja. Nthawi zina, kulipira kwakukulu kumatha kufikira 50% mtengo.

Masitepe 5 momwe mungapezere ngongole yagalimoto pagalimoto yomwe idagwiritsidwa ntchito (yogwiritsidwa ntchito)

4.2. Momwe mungapezere ngongole yagalimoto yamagalimoto omwe mudagwiritsidwa ntchito - sitepe ndi sitepe

Kuti mupeze ngongole yagalimoto yamagalimoto akale, mutha kulumikizana ndi ogulitsa magalimoto kapena banki. Nthawi zambiri, zinthu zabwino kwambiri zimatha kupezeka kubanki yomwe imapereka khadi yolipira.

Kuti ntchito yolembetsa ichitike mwachangu komanso mopanda ululu momwe mungathere, muyenera kuwerenga zotsatirazi mosamala malangizo ndi sitepe.

Gawo 1. Kupeza banki yokhala ndi pulogalamu yoyenera yobwereketsa

Mapulogalamu ambiri obwereketsa magalimoto amaperekedwa mumsika wamakono wazachuma. Kuti mupeze njira yabwino kwambiri, muyenera kukhala oleza mtima. Pokhapokha mutakhala ndi nthawi yokwanira poyerekeza mapulogalamu osiyanasiyana mutha kukhala otsimikiza kuti kusankha kudzakhala koyenera.

Posankha ngongole, ndikofunikira kulabadira izi:

1. mawu a mapulogalamu (kuphatikiza phindu la chiwongola dzanja);
2. kuti banki yakhala ikugulitsa msika nthawi yayitali bwanji (ndibwino kuti musankhe makampani omwe zaka zawo zosachepera 10 zaka);
3. momwe mabungwe odziyimira pawokha amayesa mabungwe omwe amapereka ngongole;
4. ndi ndemanga zotani za iwo omwe agwiritsa kale ntchito mapulogalamu obwereketsa;
5. madera oyandikana ndi banki.

Mutha kusunga nthawi yambiri posankha banki yabwino kwambiri ntchito zapadera pa intaneti... Zikhala zothandiza kuphunzira kukwezedwa kwapadera, yomwe imasungidwa nthawi ndi nthawi ndi mabanki komanso ogulitsa magalimoto. Musaiwalekuti kusiyana pakati pa mapulogalamuwa, ngakhale ndi ochepa, kungasunge ndalama zambiri.

Gawo 2. Kulembetsa ntchito

Wobwereka aliyense amasankha kupita kunthambi kapena kutumiza fomu kudzera pa intaneti. Munthawi yomalizayi, zitha kupulumutsa nthawi yochulukirapo, chifukwa simuyenera kupita kulikonse, kudikirira pamizere ndikusintha ndandanda yamaofesi.

Kuti mulembetse ngongole yagalimoto yomwe mwakhala mukugwiritsa ntchito, mufunika zikalata zofananira:

1. pasipoti;
2. chikalata chachiwiri (nthawi zambiri chiphaso choyendetsa);
3. buku la ntchito;
4. zikalata zotsimikizira ndalama.

Mukadzaza funsoli, limatumizidwa kwa akatswiri aku banki. Amawunika kuyambira maola angapo mpaka masiku angapo. Munthawi imeneyi, zomwe zidaperekedwa zimayang'aniridwa, kutsatira kwa wobwereketsa zomwe banki ikufuna, kusowa kwa zovuta pakubweza ngongole m'mbuyomu.

Pamapeto pa cheke, chisankho choyambirira chimapangidwa. Yankho lomaliza lidzaperekedwa kokha atapita kuofesi ya banki ndi wobwereka, komwe amakapereka zikalata zofunikira.

Pofuna kupewa mavuto, pulogalamuyi iyenera kukhala ndi chidziwitso chodalirika kwambiri. Ngati katswiri apeza zosagwirizana ndi zomwe zalembedwa, mosakayikira adzakanidwa ngongole.

Banki ikapanga chisankho chabwino, wobwerekayo adzapatsidwa nthawi yoti apeze galimoto yoyenera. Nthawi zambiri nthawi imeneyi ndi kuchokera 1 kale 3 miyezi.

Gawo 3. Kutsiliza mgwirizano wogulitsa

Tsopano muyenera kupita kwa ogulitsa magalimoto kuti mukamalize mgwirizano wogulitsa... Ngati mukufuna kugula kudzera pamalo ogulitsa magalimoto, njirayi ndiyosavuta kwambiri, chifukwa ambiri aiwo ali ndi mgwirizano kubanki.

Pakadali pano, muyeneranso kutulutsa Ndondomeko ya inshuwaransi ya CASCO, zomwe mwachilengedwe zimabweretsa kukwera mtengo kwa galimoto. Komabe, pakakhala zovuta zilizonse (ngozi kapena kubedwa), ndalama za inshuwaransi zidzalipira ngongoleyo.

Nthawi zambiri, wobwereka amapatsidwa njira ziwiri zogulira ndondomeko ya CASCO:

• lipireni ndalama;
• phatikizani mu ngongole yobwereketsa.

Gawo 4. Kulipira kwa malipiro oyamba

Pachikhalidwe, ndalama zolipira gawo loyambirira zimasungidwa ku akaunti yakubanki, yomwe imasamutsira kwa wogulitsa. Pafupipafupi, izi zidzafunika pafupifupi 20% mtengo wa galimoto yogulidwa.

Iyenera kukumbukiridwa kuti pakakulipira ndalama zambiri, ndi momwe mabanki amakhalira mokhulupirika kwa wobwereketsayo. M'mabungwe ena obwereketsa ndalama, ndalama zomwe zidasungidwa koyambirira zikachuluka, chiwongola dzanja chimachepa.

Gawo 5. Kusainirana pangano la ngongole

Gawo lofunikira kwambiri pakupeza ngongole yagalimoto yogula galimoto yomwe idagwiritsidwa ntchito ndikulemba mgwirizano ndi banki.

Mukamaphunzira mgwirizano wamalipiro, muyenera kumvera mfundo izi:

1. Mtengo wa kubetcha kwenikweni. Siziyenera kusiyana ndi zomwe zanenedwa mu pulogalamuyo;
2. Njira yobwezera koyambirira ndi zoletsa zogwiritsidwa ntchito;
3. Kupezeka kwa ma komishoni osiyanasiyana ndi zina zowonjezera;
4. Njira zopangira ndalama pamwezi.

Pangano la ngongole likasainidwa, banki imasamutsa ndalama kwa wogulitsa kuti alipire galimotoyo. Kuti akhale mwini wake, wobwereka amayenera kulembetsa galimotoyi kwa apolisi apamsewu.

4.3. Omwe mabanki amapereka ngongole zamagalimoto zamagalimoto omwe agwiritsidwa ntchito - kuwunikira mwachidule mabanki a TOP-3 omwe ali ndi mawonekedwe abwino

Osati mabanki onse omwe amapereka kuti akonze ngongole yagalimoto kuti agule galimoto yakale. Komabe, mapulogalamuwa amapezeka ngati mukufuna.

Ngati sakukuyenererani munjira ina iliyonse, ndipo mukuganiza zogula galimoto yotsika mtengo, pemphani ngongole ya ogula kapena khadi. Otsatirawa ndi awa TOP-3 mabankikupereka zabwino kwambiri.

1) VTB Bank yaku Moscow

Pali mwayi wopeza kuchokera 100 000 kale 3 000 000 Ma ruble... Kubetcha kumayamba kuchokera 12.9% pachaka. Muyeneradi kutulutsa CASCO ndikulipira ndalama zoyambirira kuchokera 20% ya mtengo wagalimoto.

Ndikofunika kulipira ngongole yonse munthawi yake kuchokera 1 zaka zisanachitike 5 zaka... Wobwereka safunika kutsimikizira ndalama.

2) Bank Yoyankhulana

Banki iyi ikupereka mwayi wokongoza ngongole ya galimoto yomwe idagwiritsidwapo ntchito. Zolemba malire ndalama ndi 1 500 000 Ma ruble... Chiwongola dzanja chimayikidwa pa 16,9% pachaka. Ngongoleyo iyenera kubwezedwa panthawi yake kale 10 zaka... Poterepa, ndalama zoyambirira ziyenera kukhala zosachepera 20%.

Wobwereka amafunika osachepera 4 miyezi. Zaka za kasitomala ziyenera kukhala pamtundu uliwonse 21-65 zaka... Zikalata zotsimikizira kuti ndalama sizifunikira.

3) Post Bank

Sikofunikira kuti mupeze ngongole yomwe mukufuna kuti mugule galimoto yakale. Ipezeka kiredi... Post Bank pazogulitsazi zimakhazikitsa malire mkati 500 000 Ma ruble.

Ngati mutha kubweza ngongole mwachangu (mkati 4 miyezi), chiwongola dzanja sichidzaperekedwa. Kupanda kutero, mulingo uyikidwa pamlingo 27,9% pachaka. Mutha kulembetsa pa intaneti. Zotsatira zoyambirira zidzadziwika mu miniti.

---

Pamawunika kosavuta ndikuyerekeza, magawo akulu amomwe ngongole zimawonedwera patebulo.

Gome la mabanki omwe ali ndi zofunikira kwambiri pangongole zogulira magalimoto omwe agwiritsidwa ntchito:

Wokongoza	Kuchuluka kwa ngongole	Voterani	Makhalidwe obwereketsa
VTB Bank of Moscow	3 miliyoni rubles	12.9% pachaka	Kulipira kotsika kuchokera ku 20%
Banki Yolankhulana	Ma ruble 1.5 miliyoni	16.9% pachaka	Popanda ziphaso zandalama
Banki Yapositi	Ma ruble 500,000	Miyezi 4 yopanda chiwongola dzanja, kenako 27.9% pachaka	Chisankho chogwiritsa ntchito pa intaneti chimapangidwa mphindi

5. Ngongole yagalimoto yopanda CASCO - ndimomwe mungapezere galimoto pangongole popanda inshuwaransi 📝

Nthawi zambiri, popempha ngongole yagalimoto, mabungwe amabanki amafuna kuti obwereketsa agule inshuwaransi ya CASCO. Ndalama zoterezi zimawonjezera kwambiri pakubweza kwakukulu.

Ndi zachilengedwe kuti funso limabuka nthawi zambiri, ndizotheka kutenga ngongole yogula galimoto popanda kukakamizidwa kuti mutenge inshuwaransi.

5.1. Kodi mungapeze bwanji ngongole yagalimoto popanda CASCO inshuwaransi - kufotokozera zazinthu zinayi zazikulu

Kwa banki, kusowa kwa inshuwaransi ya CASCO popereka ndalama zangongole yagalimoto kumatanthawuza chiwopsezo. Pofuna kuchepetsa mavuto, mabungwe obwereketsa amayesetsa kupanga zovuta zakubwereketsa ngongolezo. Poterepa, chofunikira kwambiri ndi 4 zoyambira.

Mkhalidwe 1. Kulipira kochulukira

Kukula kwa gawo loyambirira kumathandizira mabungwe obwereketsa ndalama kuti achepetse zoopsa. Nthawi zina zimayendetsedwa mpaka 50% mtengo wa galimoto.

Mbali imodzi ngongole yocheperako imabweretsa kuchepa kwakukulu pakubweza kwambiri. Ndi wina - si onse obwereketsa omwe ali ndi ndalama zokwanira.

Mkhalidwe 2. Nthawi yochepera ngongole

Kuopsa kwa mabanki kumawonjezeka ndikukula kwa ngongole. Izi ndichifukwa chakuchuluka kwanthawi yayitali yakuba, ngozi ndi ngozi zina ndi galimoto.

Ndiye chifukwa chake, kuti akhale ndi chidaliro pobweza ndalama zomwe amapereka pangongole, mabanki akufupikitsa nthawi yamapangano obwereketsa magalimoto. osachepera... Nthawi zambiri ngongole zonse zimayenera kulipidwa pa 36 miyezi (pomwe mutenga inshuwaransi, itha kukulitsidwa mpaka miyezi 60 - 84).

Mkhalidwe 3. Wonjezerani chiwongola dzanja

Pakakhala kuti palibe ndondomeko ya CASCO, chiopsezo chotaya galimoto osachiyambiranso chikuwonjezeka kwambiri. Likukhalira, mu nkhani iyi galimoto si chikole chodalirika. Pofuna kupeza ndalama zake, banki imakulitsa kwambiri chiwongola dzanja cha ↑.

Zofunika! Nthawi zambiri kusiyana pakati pa pulogalamu yopanda inshuwaransi ya thupi ndi yomwe lamulo limafunikira ndiyomwe 5%.

Mkhalidwe 4. Ngongole zochepa

Mabanki ambiri safuna kuwononga ndalama zambiri. Chifukwa chake, kukula kwa ngongole yamagalimoto popanda CASCO nthawi zambiri kumakhala kotsika kwambiri.

Nthawi zambiri, ndimapulogalamu otere omwe amapezeka osapitirira ma ruble 500,000... Koma mabanki ena amaperekabe kuti apeze Ma ruble 1,000,000osatenga inshuwaransi.

Mwachitsanzo Ganizirani zosintha momwe ngongole zagalimoto ku Alfa-Bank ngati muli ndi inshuwaransi ndikukana.

Tebulo la kusiyana kwa magawo a ngongole kutengera kupezeka kwa inshuwaransi:

№	Magawo Ngongole	Ndi mfundo	Popanda ndondomeko
1	Zolemba malire kuchuluka	Ma ruble 5 miliyoni	4 miliyoni rubles
2	Nthawi	Miyezi 12 - 72	12 - 60 miyezi
3	Voterani	14-19% pachaka	22.99% pachaka

Ngakhale zikhalidwe zovuta za ngongole zogulira galimoto popanda CASCO, ndizodziwika.

Koma ziyenera kukumbukiridwa kuti ndizokayikitsa kuti zingatheke kupeza ngongole ngati izi osatsimikizira malo ogwirira ntchito ndi ndalama. Muyenera kupeza ziphaso zoyenera kuchokera kwa owalemba ntchito.

Zosavuta 5 momwe mungapezere ngongole yamagalimoto popanda CASCO inshuwaransi

5.2. Momwe mungatengere ngongole yamagalimoto popanda inshuwaransi ya mnofu m'njira zisanu zosavuta - malangizo mwatsatanetsatane

Musanatenge ngongole, muyenera kusankha pagalimoto yomwe mukufuna. Izi ndizofunikira kuti wobwereka mtsogolo amvetsetse kuchuluka kwa ndalama zomwe angafune.

Kuphatikiza apo, ngati mukufuna kugula galimoto m'chipinda chowonetsera, ndikofunikira kufotokoza mabanki omwe amagwirizana nawo. Pambuyo pake, mutha kupita ku njira zolembetsa, zomwe zimaphatikizapo Masitepe 5.

Gawo 1. Kusankha wobwereketsa ndikulemba fomu

Choyamba, muyenera kupanga mndandanda wamabanki omwe amavomereza kupereka ngongole yagalimoto osapereka ndondomeko ya CASCO. Pali mabungwe ochepa oterewa.

Ndikoyenera kulingalira! Kuti musunge nthawi komanso osaphunzira masamba amabanki onse odziwika bwino, ndibwino kugwiritsa ntchito ntchito zofanizira pa intaneti. Zinthu izi zimakulolani kuti mupange mndandanda wa omwe ali ndi ngongole ndi magawo ofunikira mumzinda wokhala wobwereka.

Mukasankha banki, mutha kupitiliza kugwiritsa ntchito. Sikoyenera kuti mupite kuofesi yantchito yobwereketsa ndalama za izi. Mutha kupanga ndi kufunsa ngongole yapa galimoto pa intaneti... Kuphatikiza apo, nthawi yomweyo muyenera kutumiza funsoli ku mabungwe angapo obwereketsa. Izi zipulumutsa nthawi, komanso kuwonjezera mwayi wosankha zabwino, chifukwa osachepera banki imodzi ivomereza kupereka ngongole.

Mukamagwiritsa ntchito intaneti, kumbukirani kuti kuvomerezeka ndi koyambirira. Mukalandira, muyenera kuyendera ofesi ya banki ndi phukusi la zikalata zofunikakomwe adzafufuzidwenso. Pokhapo pangano lidzasainidwa ndipo omwe amapereka ngongole ndiye amatulutsa ndalamazo.

Pofuna kuti asakhumudwe zofunika Mukamapereka fomu yofunsira, lembani zodalirika kwambiri komanso zodzaza ndi mafunso. Wofunsayo akaiwala kufotokoza kapena kuyesa kubisa chilichonse, zotsatira zake, adzakana ngongole. Malongosoledwe ake ndiosavuta - akatswiri aku banki adzaganiza kuti wopemphayo ali wakuba.

Musanalembe fomu yofunsira, muyenera kudzidziwitsa bwino zomwe banki imafuna kwa wobwereka. Ngongole iliyonse ili ndi yakeyake, koma pali zinthu zingapo zomwe wopemphayo ayenera kukumana nazo.

Zofunikira zazikulu za mabanki kwa wobwereka:

• Nzika zaku Russia;
• zaka zosachepera 21 zaka osatinso 65 zaka;
• kulembetsa kwamuyaya;
• malo ogwira ntchito;
• anatsimikizira ndalama osati zochepa 30 000 ma ruble;
• palibe mbiri yaupandu.

Gawo 2. Kukonzekera phukusi la zikalata

Chilolezo choyambirira pa intaneti chikalandilidwa, mudzayenera kukaona ofesi yantchito ya ngongole ndi mapepala.

Pachikhalidwe, mabanki amafuna zikalata izi:

1. pasipoti;
2. chikalata chachiwiri;
3. buku la ntchito;
4. satifiketi ya malipiro.

Mabanki ena amatha kukhala ndi zolemba zawo. Kuphatikiza apo, ngati banki ikukhulupirira kuti kufunsira kopempha sikokwanira kubweza ngongoleyo, pangafunike chitetezo china - lonjezo kapena zotsimikizika.

Gawo 3. Kulembetsa kugulitsa magalimoto ndi kugula zinthu

Banki ikaganiza bwino, mutha kupita kumapeto mgwirizano wogulira makina... Njira yosavuta yochitira izi ngati galimoto imagulidwa m'malo owonetsera. Poterepa, kukhazikitsidwa kwa mgwirizano wogula ndi kugulitsa komanso mgwirizano wamgwirizano umachitika nthawi imodzi.

Zolemba zonse zimasainidwa pamalo ogulitsa magalimoto, komwe malo ogwira ntchito ku banki amakhala ndi zida, kapena katswiri waku banki akafika ku salon panthawi yoikika.

Gawo 4. Kusayina pangano la ngongole ndikulipira ndalama zonse

Zatchulidwa kale kangapo, koma zingakhale zothandiza kubwereza - musanasaine pangano la ngongole, muyenera kuwerenga mosamala... Ndi pangano ili lomwe ndilo gawo lofunikira kwambiri pazochita za ngongole.

Mukamawerenga mgwirizano wabungwe, tcheru kwambiri pa mfundo izi:

• Njira zobwezera ngongole. Momwemo, payenera kukhala njira zingapo zomwe mungasankhe. Ndizosangalatsa mukabweza ndalama kudzera pa intaneti.
• Kukula kwa kubetcha kwenikweni. Mabanki odalirika amawonetsa izi pamasamba akulu patsamba lamgwirizanowu.
• Ufulu wobwereka ngati mwini galimoto - momwe makina angagwiritsidwe ntchito (Mwachitsanzo, kaya itha kugwiritsidwa ntchito ngati taxi).
• Kupezeka ndi kuchuluka kwa zolipira zina zowonjezera - mabungwe.
• Kubwezera msanga - Kodi pali kusamutsidwa, momwe zinthu zimakhalira pang'ono komanso kubwezeredwa koyambirira kumachitika.

Gawo lotsatira mutasainira mgwirizano wamalipiro ndi kubweza ngongoleyo.

Pali njira ziwiri zolipira gawo loyamba:

1. Kusamutsa ndalama zandalama kwa wogulitsa (pamenepa, muyenera kutulutsa chiphaso);
2. Kuyika ndalama kubanki, yomwe imasamutsa kwa mwiniwake wa galimotoyo.

Gawo 5. Kulembetsa magalimoto

Gawo lomaliza pamalonda ndikulembetsa kwagalimoto. Kulembetsa galimotoyo kupolisi yamagalimoto, wogula amapatsidwa Masiku 10 kuyambira tsiku logula. Izi zitha kuchitika mu dipatimenti iliyonse osatchula malo olembetsera kapena malo okhala.

Wogulitsa watsopanoyo adzafunika kulipira chindapusa cha boma, alipo zikalata pagalimoto, kuphatikiza inshuwaransi ya OSAGO.

---

Chifukwa chake, malangizo omwe akutsatiridwa pang'onopang'ono amakuthandizani kuti muthe kubwereketsa galimoto popanda CASCO mwachangu komanso popanda mavuto. Zingotsala kuti muzilipira munthawi yake komanso mokwanira.

5.3. Kodi kuli bwino kutenga ngongole yamagalimoto popanda CASCO inshuwaransi - kuchuluka kwa mabanki TOP-3

Monga ngongole yogulira galimoto yopanda ndondomeko ya CASCO, sikuti kungogulitsa ngongole yamagalimoto kungagwiritsidwe ntchito, komanso wogula, ndi makhadi a ngongole... Zosankha ziwiri zomaliza ndizabwino kugula galimoto yotsika mtengo kapena pakakhala kuchepa kwa ndalama zosapitirira 300 000 Ma ruble.

M'munsimu muli mwachidule 3 mabungwe angongole, momwe ndalama zingalandiridwe mwachangu.

1) VTB Bank yaku Moscow

Bankiyi ndi imodzi mwamakampani omwe akutsogolera omwe akugwira ntchito mumsika wachuma waku Russia. Amadzipereka kukonza ngongole ya ogula pamtengo mpaka ma ruble 3,000,000... Kukula msinkhu ndi 60 miyezi... Chiwongola dzanja cha ngongole chimayamba kuchokera 14.9% pachaka.

VTB Bank of Moscow imakulolani kuyika fomu popanda kuyendera ofesi. Ndikokwanira kutsegula tsamba la bungweli ndipo mkati mwa kotala la ola mutadzaza funsoli, zotsatira zakulandilidwa zidzalandiridwa.

Ndikofunika kulumikizana ndi VTB Bank of Moscow ogwira ntchito zaboma, ndi makasitomala olipira... Magulu amtunduwu atha kufunsira ngongole pano pabwino.

Zinthu zikabuka zikavuta kulipira, banki imapatsa makasitomala maholide a ngongole.

2) Tinkoff Bank

Apa ndikosavuta kupeza kirediti kadi ndi malire mpaka ma ruble 300,000... Poterepa, kudzaza ntchito kumatenga basi 5 mphindi, ndipo lingaliro la banki liyenera kudikirira mphindi zochepa. Simuyenera kupita kulikonse kuti mukalandire khadiyo, ibwera nayo ku adilesi yomwe wobwereka - kunyumba kapena ofesi.

Ngati kubweza ngongole nthawi yoyamba 55 masiku palibe chiwongola dzanja chomwe chidzaperekedwa pambuyo posiya. Ngati sizingatheke kubweza ndalamazo munthawi yake, milingoyo imayikidwa pamlingo 19,9% pachaka. Ndalama zothandizira ma kirediti kadi 590 rubles pachaka.

Tinkoff Bank ilibe maofesi kapena nthambi. Ntchito zonse zimachitika kutali - kudzera pa intaneti kapena patelefoni. Kugulitsa maakaunti kumatha kuchitika masiku asanu ndi awiri pasabata panthawi yabwino.

3) Sovcombank

Apa mutha kupeza ngongole mpaka ma ruble 1,000,000... Poterepa, kuchuluka kumayikidwa pamlingo 17% pachaka. Sovcombank yakhazikitsa pulogalamu yapadera - ngongole ya galimoto yatsopano yotetezedwa ndi yakale.

Poterepa, zofunikira izi zimaperekedwa pamutu wolonjeza:

• kugwiranso ntchito;
• osagula ngongole yagalimoto kapena kubweza kwathunthu;
• galimoto sayenera kulonjezedwa;
• zaka zosapitirira 19 zaka.

Nzika zitha kulembetsa ngongole osati wocheperako 21 za chaka... Ndikofunikira kuti mukhale ndi ntchito yantchito. Ngati banki ikukayikira za wobwereketsayo, iyeneranso kupeza othandizira.

---

Kuti zikhale zosavuta kuyerekezera mabungwe obwereketsa, zidziwitso zoyambira za iwo zafotokozedwa patebulopo.

Tebulo la TOP-3 mabanki ndi zikhalidwe zawo komanso momwe amapereka ngongole yogulira galimoto:

Kuyendetsa ngongole	Kuchuluka kwa ngongole	Chiwongola dzanja	Zinthu zopindulitsa
VTB Bank of Moscow	3 miliyoni rubles	14.9% pachaka	Zopindulitsa kwa ogwira ntchito m'boma ndi makasitomala amakampani zimapangidwa
Banki ya Tinkoff	Ma ruble 300,000	Pa khadi pasanathe masiku 55 - 0% Ngati ngongole siyibwezedwa panthawi yopanda chiwongola dzanja - 19.9% ​​pachaka	Palibe chifukwa choti mupite kulikonse, kirediti kadi imaperekedwa kuofesi kapena kunyumba
Sovcombank	1 miliyoni rubles	17% pachaka	Kutheka kugula galimoto yatsopano pachitetezo cha wakale

6. Ngongole yagalimoto yopanda ziphaso ndi ma guarantor - momwe ndi komwe mungalandire ngongole yamagalimoto pamapepala awiri (awiri) 📋

Pakhoza kukhala zifukwa zambiri zomwe wobwereketsayo sangatenge ziphaso zochuluka zakufunsira ngongole yagalimoto. Ichi ndichifukwa chake ngongole zogulira galimoto yokhala ndi zikalata zochepa zimakhala zofunikira. Ndikofunikira kudziwa kuti ndi mitundu yanji ya mawonekedwe ofunsira ngongole yagalimoto yotere.

6.1. Kodi ndizotheka kutenga ngongole yagalimoto popanda satifiketi ya ndalama ndi ma guarantors?

Mabanki ndi mabungwe omwe sakonda kuwononga ndalama. Ichi ndichifukwa chake, akafunsira ngongole, amayesetsa kuti akhale ndi ziwongola dzanja zochuluka. Wogula ntchitoyo ayenera kupereka zikalata zazikulu zomwe zingatsimikizire kutha kwake.

koma mkhalidwe wamakono azachuma ku Russia umasintha zina. Masiku ano, mabungwe ambiri obwereketsa ndalama akugwira ntchito, zomwe zimabweretsa mpikisano waukulu. Kuphatikiza ndi kuchepa kwa kufunafuna ngongole, kulimbana ndi omwe akupikisana nawo kumabweretsa kusintha kwa ngongole.

Zomwe zakhala zikuchitika zatsogolera pakupanga mapulogalamu angongole omwe amakulolani kuti mupeze ngongole yagalimoto ya basi 2 zikalata. Mabanki nthawi zambiri amafuna kuti mupereke pasipoti ndipo layisensi ya dalayivala... Nthawi zina, chikalata chomaliza chimalowetsedwa ndi pasipoti yakunja, satifiketi ya SNILS, ID yankhondo ndi zikalata zina.

Njira yopezera ngongole yamagalimoto ndiyabwino kwa iwo omwe sangathe kutsimikizira ndalama zawo. Mwachilengedwe, popereka ndalama popanda ziphaso kuchokera kuntchito, banki imakhala pachiwopsezo chachikulu.

Pochepetsa kutayika, mabungwe az ngongole amachita izi:

1. Kukula kwa malipiro ochepa - nthawi zambiri kumakhala kofunika kusungitsa malinga ndi mapulogalamu opanda ziphaso 50% mtengo wamagalimoto;
2. Kuchepetsa ngongole yayikulu kwambiri. Ngongole yotere siyenera kulipiranso kuposa pa Zaka zitatu... Kuphatikiza apo, nthawi yayitali imafupikitsidwa kale 1-2 zaka;
3. Kuchuluka kwa chiwongola dzanja - nthawi zambiri kusiyana pakati pa ngongole yagalimoto yopanda ziphaso kuli pafupi 5%;
4. Kuchuluka kwa ngongole - banki iliyonse imakhazikitsa malire ake, koma pakubweza ngongole zamagalimoto popanda ziphaso sikuti imangodutsa 500 000 ma ruble;
5. Kulembetsa kovomerezeka kwa mfundo za CASCO - pakagwa ngozi kapena kuwonongeka kwathunthu kwa galimoto, chindapusa cha inshuwaransi chimaperekedwa pakubweza kwathunthu kapena pang'ono pangongole.

Pokhudzana ndi kulembetsa kosavuta, ngongole zogulira galimoto yopanda satifiketi zimatchedwa onetsani ngongole... Izi zitha kugwiritsidwa ntchito ndi kokha nzika zomwe sizinakhalepo ndi mavuto pakubweza ngongole. Mwanjira ina, kuti mupeze chisankho choyenera, ndikofunikira kukhala ndi mbiri yoyera ya mbiri.

Ndikofunika kulingalira! Nthawi zambiri, ngongole zamagalimoto zopanda ziphaso zimaperekedwa kuti mugule magalimoto m'malo ogulitsa magalimoto. Kusankha pang'ono kwaogulitsa kumabweretsa kuti wobwereketsayo avomereze pamtengo wogulitsa.

Banki iliyonse, yomwe ikukhazikitsa zofunikira pakubweza ngongole zamagalimoto popanda ziphaso, imapangitsanso zofunikira kwa obwereketsa. Pali zikhalidwe zingapo zomwe zimaganiziridwa ndi onse obwereketsa.

Zofunikira zazikulu za wobwereka ndi mabanki:

• zaka zomwe wobwereka angathe kukhala pazoyambira 21 kale 65 zaka;
• kulembetsa kwamuyaya mdera lomwe banki ilipo;
• Nzika zaku Russia;
• kusowa kwa ngongole yogwira kubungwe lililonse la ngongole.

Zoyipa zazikulu za ngongole yamagalimoto popanda ziphaso ndi izi:

1. kuchuluka kwa malipiro;
2. kuchepetsa nthawi yobweza ngongole;
3. malipiro aakulu kwambiri pamwezi.

Chofunika kwambiri mwayi Njira yobwereketsa yomwe ingaganizidwe ingatchulidwe liwiro lalikulu la kulembetsa... Lingaliro pa ngongole zagalimoto popanda ziphaso zimapangidwa mkati mwa maola ochepa.

Nthawi zambiri, iwo omwe akufuna kugula galimoto samadziwa komwe angayang'ane mapulogalamu angongole popanda kufunsa. Nthawi zambiri, njira zotere zimapezeka mwachindunji m'malo ogulitsa magalimoto. Ogulitsa kuti awonjezere kufunika amapereka makasitomala mapulogalamu osangalatsa kwambiri.

---

Tiyeni tiganizire za kusiyana pakati pa ngongole yagalimoto yopanda satifiketi pogwiritsa ntchito chitsanzo cha ngongole yogulira mtengo wamagalimoto a Suzuki 1,5 miliyoni miliyoni ku VTB Bank. Mwachidziwikire, mawonekedwe a ngongole akuwonetsedwa patebulo.

Tebulo la kusiyana pakati pazikhalidwe za ngongole yagalimoto yopanda ziphaso popanda:

№	Khalidwe	Ngongole yamagalimoto yokhala ndi ziphaso	Ngongole yopanda ziphaso
1	Voterani	16% pachaka	19% pachaka
2	Kuchuluka kwa ngongole	Zaka 5	Zaka zitatu
3	Malipiro ochepa ochepa	20%	40%

Njira 6 momwe mungapezere ngongole yagalimoto popanda satifiketi ya ndalama ndi ma guarantors (zolemba ziwiri zokha)

6.2. Momwe mungapezere ngongole yamagalimoto pogwiritsa ntchito zikalata ziwiri - malangizo mwatsatanetsatane

Pali malo awiri komwe mungalembetsere ngongole yobwereketsa galimoto - kwa ogulitsa magalimotokomwe mukufuna kugula galimoto, kapena mwachindunji kupita ku banki... Pachiyambi, mgwirizano wa ngongole umasainidwanso ndi omwe amapereka ngongole, koma njira yopezera ngongoleyo izikhala yosavuta.

Zofunika! Mukamasankha banki, choyambirira, muyenera kulabadira omwe wobwerekayo ali nawo khadi yamalipiro... Nthawi zambiri zimakhala pano kuti mutha kuyitanitsa ngongole yagalimoto popanda kupereka ziphaso zosiyanasiyana. Kuphatikiza apo, zomwe zikuchitika pano nthawi zambiri zimakhala zokhulupirika, mwachitsanzo, banki ikhoza kuchepetsa ↓ chiwongola dzanja.

Pomwe kulembetsa kumachitika mwachindunji kubanki, kudzakuthandizani tsatane-tsatane malangizozoperekedwa pansipa.

Gawo 1. Sakani banki yomwe ili ndi ngongole zabwino

Choyamba, muyenera kulumikizana ndi banki yomwe wobwereka mtsogolo amalandila malipiro. Ngati palibe kapena zomwe zikugwirizana nazo, mabungwe ena angongole ayenera kuwunikidwa.

Nthawi zambiri, pakulimbana ndi makasitomala, mabanki ang'onoang'ono am'madera amapanga mapulogalamu opindulitsa kuposa akulu akulu, momwe amasowa obwereketsa. Komabe, posankha kutulutsa ngongole kubanki yaying'onomuyenera kulingalira zofooka... Mwayi woti bankirapuse ichitikire bungwe lotere ndiwokwera kwambiri.

Nthawi yomweyo kugwa kwa banki kumabweretsa nthawi zosasangalatsa kwa obwereketsa. Pakakhala bankirapuse, kasitomala amayenera kubweza ngongoleyo ku kampani ina yobwereketsa. Poterepa, mungafunike kusankha njira zobwererera zosavuta. Kuphatikiza apo, malo okhala atha kusokonekera. Komanso, wobwerekayo sangadziwitsidwe zonse zomwe zimachitika posonkhanitsa ngongole m'njira yatsopano.

Zikuoneka kuti kudalirika kwa banki ndikofunikira osati pongopereka ndalama zokha, komanso ngati mukufuna kutenga ngongole yagalimoto.

Kuti musankhe ngongole yabwino kwambiri, muyenera kuganizira izi:

• mawu obwereketsa;
• chiwongola dzanja;
• kuwunika kwa mabungwe owerengera;
• nthawi yogwirira ntchito mumsika wazachuma;
• kupezeka kwa madera;
• maumboni a makasitomala omwe adatenga kale ngongole kubanki iyi.

Mukamapempha ngongole yagalimoto pogwiritsa ntchito zikalata ziwiri, ndikofunikira kukumbukira izi malipiro ochulukirapo ndi chiwembu chotere, ↑ imakula kwambiri.

Kusavuta kosaka ndikuyerekeza mabanki kumawonjezeka ngati mugwiritsa ntchito ntchito zapadera pa intaneti... Amakulolani kuti musankhe ngongole ndi malo abwino pakamphindi kochepa chabe.

Zimathandizanso kuti muzitsatira zotsatsa zosiyanasiyana. Nthawi yomweyo, ayenera kusangalatsidwa osati m'mabanki okha, komanso m'malo ogulitsa magalimoto.

Gawo 2. Kukonzekera zikalata zofunika

Posankha njira yobwereketsa galimoto popanda ziphaso, zonse ndizosavuta ndi phukusi la zikalata. Muyenera kungopereka pasipoti ndipo chikalata chachiwiriumboni wakudziwika.

Komabe, kuti muwonjezere mwayi wosankha bwino, mutha kuwonjezera umboni wazopeza pantchito yanu.

Gawo 3. Kutumiza ntchito

Lero, sikofunikira kutaya nthawi yochezera nthambi yaku bank, kulumikizana ndi akatswiri ake. Mutha kutumiza fomu yofunsira ngongole yamagalimoto pogwiritsa ntchito mwapadera ntchito pa intaneti... Zotsatira zake zimayenera kudikirira kuyambira maola angapo mpaka masiku angapo.

Zofunika! Kuti muwonjezere mwayi wopeza yankho lolondola, ndibwino kuti nthawi yomweyo mupereke mapulogalamu ku mabanki ambiri. Mukakana pakampani imodzi, simuyenera kutaya nthawi ndikudikirira kuti kampani ina ione. Ngati yankho lolondola lilandiridwa m'mabanki angapo, zimangotsalira kuyerekezera mapulogalamu obwerekera mwa iwo ndikusankha yabwino kwambiri.

Mukamapereka fomu yofunsira pa intaneti, musaiwale kuti chisankho chomwe chidzalandiridwe chidzakhala choyambirira. Chomaliza chidzavomerezedwa pokhapokha zikalata zoyambirira zitaperekedwa ku bungwe la ngongole.

Wogwira ntchito kubanki awunika zomwe zalembedwazo ndi amene angabwereke pulogalamuyo. Chifukwa chake, ndikofunikira kudzaza mosamala momwe zingathere, kupewa zolakwika pazomwe zaperekedwa.

Gawo 4. Kutsiriza kwa mgwirizano wogulitsa ndi wogulitsa galimoto

Atalandira yankho labwino, wobwereka apite kwa wogulitsa magalimoto. Pano, muyenera kumaliza mgwirizano wogulitsa.

Makampani ogulitsa magalimoto ndi banki akakhala othandizana nawo, njirayi imakhala yosavuta kwambiri. Pangano la ngongole lidzasainidwa nthawi imodzi ndi mgwirizano wogula ndi kugulitsa.

Ndisanayiwale, ngati muli ndi mafunso okhudza njira yofunsira ngongole yagalimoto, mutha kulumikizana ndi manejala pamalo ogulitsa magalimoto molunjika. Zoterezi sizachilendo kwa iwo, chifukwa chake atha kuthandizapo.

Gawo 5. Kutsiriza kwa mgwirizano wamalingo ndikupanga gawo loyamba

Ntchito zonsezi zikamalizidwa, zimangotsala kuti zisayinidwe pangano la ngongole ndi banki. Komabe, zisanachitike, ndikofunikira kuti muwerenge mosamalitsa mgwirizano womwe ukufunidwa pomaliza. Njirayi siyimalekerera kupupuluma, chifukwa chake oyang'anira ngongole samathamangira kasitomala.

Ogwira ntchito zachuma amalimbikitsa kuti mfundo zingapo zamgwirizanowu zizisamaliridwa kwambiri:

1. Kupezeka kwa ma komiti ndi zina zowonjezera - kupeza ngongole, kusunga akaunti ndi ena.
2. Kuthekera ndi zikhalidwe za kubweza koyambirira kapena pang'ono pang'ono. Obwereketsa ena amakakamiza kuzunzidwa kapena kuimitsidwa kwakanthawi pazochitikazi.
3. Mtengo wa chiwongola dzanja chenicheni m'mabanki odalirika nthawi zonse amawonetsedwa pamakalata akulu patsamba loyamba la mgwirizano.
4. Njira yolipirira pamwezi. Kasitomala ayenera kupatsidwa zosankha zingapo kuti alipire. Momwemo, mutha kulipira motalikirapo, Mwachitsanzopogwiritsa ntchito intaneti.
5. Ufulu Wobwereka pagalimoto.Mabanki ena salola kuti magalimoto olonjezedwa azigwiritsidwa ntchito ngati taxi kapena kubwereketsa.

Mabungwe ambiri obwereketsa ndalama amafuna kuti obwereketsa azitenga inshuwaransi ya CASCO. Komabe, ena amachepetsa mndandanda wama inshuwaransi pomwe mungachite izi.

Gawo 6. Kulembetsa magalimoto

Tsopano muyenera kulembetsa galimoto yomwe mwagula ndi apolisi apamtunda. Ndikofunikira kuchita izi nthawi Masiku 10 kuyambira tsiku logula.

Zofunika kukumbukirakuti polembetsa mufunika inshuwaransi ya OSAGO.

Tikadutsa njira zomwe tafotokozazi, titha kuganiza kuti galimotoyo ndi yokongoza. koma kale mphindi yomwe ngongole yabwezeredwa kwathunthu, idzalonjezedwa ndi banki.

Ndikofunika kuti muzilipira mwezi uliwonse munthawi yake komanso zonse kuti musataye galimoto yomwe mwagula.

6.3. Kodi ndingapeze kuti ngongole yamagalimoto yopanda ziphaso - mabanki abwino kwambiri a TOP-3

Iwo omwe akufuna kukhala eni galimoto, koma alibe ndalama zokwanira pa izi, ayenera kukumbukira kuti ngongole yobwereka galimoto si njira yokhayo.

Ngati galimoto yomwe mwagula ndi yotsika mtengo kapena mtengo wake ulipo, mutha kugwiritsa ntchito ngongole ya ogula kapena ndi kirediti kadi... Pansipa pali mndandanda wamabungwe omwe ndizosavuta kubwereka ndalama.

1) VTB Bank yaku Moscow

Apa mutha kupeza mpaka ma ruble 3,000,000 pansi 14,9% pachaka... Olembera omwe amalandila ndalama kubanki yomwe akufunsayo amangofunika pasipoti ndi satifiketi ya SNILS.

Mutha kutumiza fomu yofunsira pa intaneti ndikulandila yankho kubanki mu kotala la ola limodzi. Ngati ndi kotheka, wobwereketsayo atha kubwezeredwa.

Utumiki maholide a ngongole imakulolani kuti musasungire ndalama 1-2 miyezi. Nthawi yomweyo, zolipira mochedwa sizidzaperekedwa.

2) Tinkoff Bank

Chopereka chabwino kwambiri ku banki iyi ndi kirediti kadi "Platinum"... Ndikokwanira kupereka fomu yofunsira patsamba la bungweli ndipo patangopita mphindi zochepa apanga chisankho kuti apereke ngongole ya ndalamazo mpaka ma ruble 300,000.

Pa 1-2 masiku omwe kirediti kadi kadzaperekedwa kunyumba kwanu kapena kuofesi. Ngati mutha kubweza ndalama zomwe mudagula pogula nthawi 55 masiku, chiwongola dzanja sichidzaperekedwa.

3) Sovcombank

Apa mutha kupeza mpaka ma ruble 1,000,000 pansi 17% pachaka... Chopereka chapadera ndi ngongole yogulira galimoto yatsopano yotetezedwa ndi yakale. Poterepa, galimoto yomwe yaperekedwa ngati chitetezo sayenera kukhala yakale 19 zaka. Ndikofunikanso kuti galimotoyo ndiyomveka bwino.

Kuphatikiza pazofunikira zomwe wobwereka, banki iyenera kupereka nambala yakunyumba kapena nambala yafoni yakunyumba.

---

Pofuna kuyerekezera, zikhalidwe zazikulu za ngongole zomwe tafotokozazi zafotokozedwa patebulo.

Ma tebulo a TOP-3 omwe ali ndi ngongole zabwino kwambiri:

Wokongoza	Kuchuluka kwa ngongole	Voterani	Makhalidwe obwereketsa
VTB Bank of Moscow	3 miliyoni rubles	13.9% pachaka	Mawu okondera ogwira ntchito m'boma komanso ofuna kulandira malipiro
Banki ya Tinkoff	Ma ruble 300,000	Nthawi yopanda chiwongola dzanja ya masiku 55, kenako 19.9% ​​pachaka	Kirediti kadi amabweretsedwa kunyumba kapena kuntchito
Sovcombank	1 miliyoni rubles	14.9% pachaka	Pulogalamu yapadera - ngongole yogulira galimoto yotetezedwa ndi yomwe idalipo

Kodi ndingapeze bwanji ngongole yagalimoto ndi mbiri yoyipa ya ngongole (CI)

7. Kodi mungapereke ngongole yagalimoto yokhala ndi mbiri yoyipa yangongole? 📉

Masiku ano, ndi anthu ochepa okha omwe ali ndi ndalama zofunikira kugula galimoto, ambiri akuganiza zopanga galimoto pangongole. Koma nthawi zina zimakhala zosavuta, ndipo zimatha kukhala vuto mbiri yanu yangongole... Kunena zowona, ndiye ngongole yoyipa... Komabe, izi ndizotheka. Mukafunikira ngongole yagalimoto, mutha kuyipeza, ngakhale sizovuta kwenikweni.

Choyamba muyenera kudziwa kuti ndi ndani amene amachititsa kuti mbiri yanu isawonongeke. Ngati simunalipire mokakamizidwa, mumayenera kuthana ndi ntchito yosonkhanitsa ngongole ndi zina zotero, chifukwa chake mulidi mwa inu. Izi zikutanthauza kuti ndizopanda pake kupita kukalandila ngongole kumabanki akulu odziwika, chifukwa kukana pafupifupi kutsimikizika.

Mutha kuyesa kusaka zitini zazing'onoomwe samachita kubweza ngongole. Pali mabungwe ochepa otere, koma alipo.

Pali mabanki omwe, ngakhale zovuta za wobwereka, kongoletsani ndalama, koma amathetsa mavuto amene angakumane nawo chiwongola dzanja chachikulu... Zachidziwikire, palibe amene amafuna kuti alipire ndalama zambiri, koma nthawi zina amangosowa kopita.

Ngati mungachedwe kugula galimoto, ndiye kuti mutha kuyesa kukonza mbiri yanu yangongole. Kuti muchite izi, muyenera kugula zida zotsika mtengo panyumba pangongole ndikulipira ngongoleyo panthawi. Kawirikawiri,Mabanki akuganizira mbiri ya ngongole pazaka ziwiri zapitazi.

Tinalemba mwatsatanetsatane za komwe ndi momwe mungapezere ngongole ndi mbiri yoyipa ya ngongole yopanda ziphaso ndi omwe amakupatsani mwayi m'nkhani yomaliza - tikukulimbikitsani kuti mudzidziwe bwino.

Zomwe muyenera kuyang'anira

Simuyenera kulumikizana ndi mabungwe okayikitsa komanso olipira osatsimikizika, chifukwa zonsezi zitha kubweretsa zotsatira zomvetsa chisoni.

Ponena za wakuda osinthitsa, munthu angaike pachiwopsezo mbiri yake - chifukwa chophwanya ngongole, atha kulangidwa. Ngati mlandu wachitidwa chifukwa chosatsatira malamulowo, wobwerekayo amatha kupezeka ndi mlandu wachinyengo, kulandira ndalama mosavomerezeka.

Simufunikanso kulumikizana ndi amalonda omwe amadzitsatsa malonda otsika mtengo pama board am uthenga. Masamba a "akatswiri" otere amapezeka kuchititsa kwaulere ndipo imakhala ndi masamba angapo omwe adachitika mwachangu.

Zindikirani! Ngati tsambalo lilibe foni yapa landline kapena adilesi yakomwe kuli ofesi, koma imelo yokhayo yolumikizirana kapena foni yam'manja ndiyomwe imawonetsedwa, ndiye kuti ndizotheka kuti mwini webusayiti sagwirizana ndi lamuloli.

8. Ndi banki iti yomwe ili ngongole yopindulitsa kwambiri yamagalimoto (ngongole yagalimoto) - mwachidule mabanki a TOP-5 📄💰

Pali mitundu yambiri yamapulogalamu obwereketsa magalimoto. Mukamasankha banki yabwino kwambiri, muyenera kuyerekezera onse. Izi zimakhala zovuta komanso zazitali.

Chifukwa chake, kwa obwereketsa ambiri, zimakhala bwino kwambiri kulandira upangiri kuchokera kwa akatswiri. Pansipa pali kufotokozera kwamabanki omwe amapereka mapulogalamu abwino kwambiri obwereketsa magalimoto.

1) Sovcombank

Ku Sovcombank mutha kupeza mpaka ma ruble 1,000,000... Mlingo wakhazikitsidwa pa 17% pachaka. Muyenera kubweza ndalamazo kwa zaka 5... Zimakhala zokopa kupereka ngongole yogulira galimoto yatsopano yotetezedwa ndi yomwe idalipo kale.

Ngati wobwereka alibe ndalama zochepa kuti agule galimoto, mutha kugwiritsa ntchito pulogalamu yobwereketsa ogula. Lero kuli mwayi wapadera ku Sovcombank - 100 000 rubles pansi 12% pachaka.

2) VTB Bank yaku Moscow

Pali mwayi wobwereka ndalamazo mpaka ma ruble 3,000,000... Ayenera kubwezedwa mkati 5 zaka. Pali mapulogalamu ambiri kubanki, kubetcha pa iwo kumayamba kuchokera 14.9%.

Kwa ogwira ntchito m'boma, komanso olipira malipiro, VTB Bank of Moscow imapereka zapadera mawu okondera... Sikoyenera kuyendera nthambi yaku banki kuti akalembetse. Ndikokwanira kudzaza fomu yapadera kudzera pa intaneti komanso kotala la ola limodzi kuti mulandire lingaliro la banki.

3) Tinkoff Bank

Ichi ndi bungwe lapadera la ngongole. Zimagwira kwathunthu pa intaneti. Amapereka kutulutsa kirediti kadi ndi malire mpaka ma ruble 300,000... Ndikokwanira kuti muchepetse mphindi zochepa kuti mulembe zolemba patsamba lino ndikudikirira mphindi zochepa kuti chisankho chitheke.

Ngati wobwereka atha kubweza ngongoleyo nthawi 55 masiku, banki siyenera kulipira chiwongola dzanja. Ngati simukuchita izi, chiwongola dzanja chidzaperekedwa pamlingo 19,9% pachaka.

Mphindi ina yabwino ndi kukhalapo kubweza ndalama... Mukamalipira ndi khadi yakubanki, gawo lina la ndalama zomwe mumagwiritsa ntchito limabwezedwa kukhadi. Takambirana kale za kubweza ndalama - zomwe zili m'mawu osavuta mu imodzi mwazofalitsa zathu.

4) Renaissance Mawu

Ku banki yomwe ikuperekedwa ndizotheka kupeza kirediti kadi, malire omwe amafikira 200,000 ma ruble... Mtengo wa mwayi uwu ndi 24,9% pachaka. Palibe nthawi yopanda chidwi pazoperekazi. 55 masiku.

Kuti mupereke fomu yofunsira, pitani patsamba la banki. Pankhani yoti banki ipereka ndalama, ikadali yokaona ofesi ndikutenga khadiyo.

Palinso mapulogalamu ena odziwika bwino omwe adapangidwa pano. Mutha kupeza ngongole ya ogula kukula mpaka ma ruble 700,000 pansi 13,9%... Ngati muli ndi satifiketi ya penshoni, wobwerekayo adzapatsidwa mwayi wosankha.

5) Alfa Bank

Bankiyi ili ndi mapulogalamu osiyanasiyana obwereketsa, omwe amalola aliyense kusankha ngongole yabwino kwambiri. Pangongole zagalimoto, amapereka ndalama zochuluka kwambiri - Ma ruble 5,600,000... Nthawi yobwereka ndi 12-72 miyezi... Mutha kubweza ngongoleyo kudzera mu ATM kapena intaneti.

Ngati mulibe ndalama zokwanira kugula galimoto, mutha kugwiritsa ntchito kirediti kadi kapena ngongole ya ogula. Poyamba, kuchuluka kwake kuli Ma ruble 300,000... Nthawi yopanda chidwi imaperekedwa -60 masiku.

---

Poyerekeza kosavuta, mawonekedwe ofunikira a mapulogalamu ophatikizira ngongole amaphatikizidwa patebulo.

Tebulo la mabungwe azangongole omwe ali ndi ngongole zabwino kwambiri pagalimoto:

Wokongoza	Kuchuluka kwa ngongole	Voterani,% pachaka	Zithunzi zamapulogalamu
Sovcombank	Mpaka ma ruble 1,000,000	12-17	Ngongole yagalimoto yatsopano yotetezedwa ndi yomwe idalipo
VTB Bank of Moscow	Mpaka ma ruble 3,000,000	14,9	Zokonda kwa ogwira ntchito m'boma, tchuthi cha ngongole kwa onse obwereka
Banki ya Tinkoff	Mpaka ma ruble 300,000	19,9	Palibe chifukwa chochoka panyumba - ntchitoyo imapangidwa kudzera pa intaneti, ndipo khadi limaperekedwa kunyumba kapena kukagwira ntchito
Mbiri Yachikulire	Mpaka ma ruble 200,000	24,9	Kutulutsidwa ndi kutumizidwa kwa khadi ndi kwaulere
Alfa Bank	Mpaka ma ruble 5,600,000	23,9	Nthawi yachisomo ya khadi - masiku 60

9. Ndi banki iti yomwe ingakhale bwino kutenga ngongole yamagalimoto - njira zisanu zazikulu posankha banki ✅

Mukalandira ngongole yagalimoto, iyenera kulipidwa kwa zaka zingapo. Chifukwa chake, ndikofunikira kuti wobwereketsa ngongole azikhala wodalirika mokwanira ndipo asawonongeke panthawiyi. Kuti musankhe mabungwe obwereketsa oyenera, ndikofunikira kulabadira njira zina.

Muyeso 1. Kulipira kochulukirapo

Ndizomveka kuti akafunsira ngongole yagalimoto, obwereketsa amayesetsa kuchepetsa kubweza ngongole momwe angathere. Zimaphatikizapo osati zokha peresentikomanso zosiyana ntchito ndipo malipiro.

Kulipira kwakukulu kumawonetsedwa mosalephera mu mgwirizano kapena cholumikizira. Ngati wobwereka akufuna kuwerengera chisonyezo ichi asanalankhule ku banki, atha kugwiritsa ntchito chowerengera ngongole.

Muyeso 2. Kuchuluka kwa malipiro oyamba

Posankha pulogalamu yobwereketsa galimoto, muyenera kuvomereza momwe zinthu zilili ndi kuchuluka kwa ndalama zomwe zilipo:

• Ngati palibe ndalama, muyenera kukhala okhutira ndi zopereka popanda kufunika koyamba kupereka.
• Ngati muli ndi ndalama, muyenera kusankha mwayi wolipira woyamba. Izi zithandizira kuchepetsa kulipira kwa by pochepetsa kuchepa ndi kukula kwa ngongole.

Muyeso 3. Kupezeka kwa njira zobwezera ngongole

Mukamapempha ngongole yagalimoto, ndikofunikira kukumbukira kuti mudzayenera kubweza mwezi uliwonse.

Mwachitsanzo, Mutha kubwereka ngongole pazabwino, koma ofesi ya banki sizingakhale bwino, ndipo sipadzakhala njira yolipira ngongoleyo kutali. Zotsatira zake, muyenera kuwononga nthawi ndi ndalama popita kunthambi kuti mukalipire mwezi uliwonse.

Muyeso 4. Kukakamizidwa kutenga inshuwaransi

Poyesa izi, wobwereka ayenera kulingalira mozama. Kumbali imodzi, mukamapempha mfundo za CASCO malipiro ochulukirapo imakula kwambiri ↑. Mbali inayi, inshuwaransi pakachitika zovuta ndi galimoto (ngozi kapena kuba) zithandizidwa kuti zibwezere gawo lina la ngongole.

Komabe, pazinthu izi pali kusiyana kwa chiwongola dzanja, chomwe nthawi zina chimafika 5% pachaka. Chifukwa chake, ndikofunikira kuwerengera zomwe zikhala zopindulitsa kwambiri - kuchepetsa kuchuluka pomaliza CASCO kapena kukana inshuwaransi.

Muyeso 5. Ndemanga zamabanki

Pali zifukwa zambiri zomwe zingawononge mgwirizano ndi banki.

Zina mwazinthu zoyipa zomwe mabanki amakhala nazo ndi izi:

• Kulephera kwa ogwira ntchito;
• mizere yayikulu;
• ziwopsezo pakuchedwa.

Mwachilengedwe, mukamayendera banki, palibe amene adzauze wobwereka za zofooka zawo. Chifukwa chake, muyenera kuzifufuza nokha. Kuti muchite izi, ndikofunikira kuti muphunzire ndemanga pazinthu zodalirika zapaintaneti, kucheza ndi anzanu komanso omwe mumawadziwa pakubwereketsa kubanki inayake.

---

Mukawerenga mosamala zomwe tafotokozazi, wobwereka aliyense amatha kuthana ndi ntchito yayikulu yobwereketsa galimoto - kupeza mwayi wopindulitsa.

10. Mafunso omwe amafunsidwa pafupipafupi (FAQ) pa ngongole zagalimoto 💬

Yakwana nthawi yoti ayankhe mafunso omwe nthawi zambiri amadza kuchokera kwa iwo omwe ali ndi chidwi ndi mutu wofalitsa wathu wa lero.

Funso 1. Kodi chopindulitsa ndichabwino kutenga - ngongole yagalimoto kapena ngongole yogulira ogula?

Galimoto - chinthu chodula kwambiri, ndipo wogula samakhala ndi ndalama zake nthawi zonse kuti agule, zikatero nthawi zambiri amapita ku banki, ndipo wobwereka amafunika kusankha pakati pa ngongole ya ogula ndi ngongole yagalimoto.

Ubwino (+) ngongole zamagalimoto

Ngongole yamagalimoto ndi chandamale ngongole yomwe idapangidwira kugula chinthu china, ndiye kuti, galimoto. Kutenga ngongole kubanki kapena pamalo ogulitsa magalimoto, kasitomala amatha kuyamba kugwiritsa ntchito zoyendera nthawi yomweyo.

Ndizosavuta kuti mukalembetsa ngongole zamagalimoto, simuyenera kufunafuna guarantor. Ndipo kuchuluka kwa zolipirira nthawi zambiri kumakhala yaying'ono ndipo kuchuluka kwake kumafika 30%... Nthawi zina 50-70% imapezeka, koma Zikatero chiwongola dzanja chochepa kwambiri chimagwira.

Pali mapulogalamu abwino kwambiri obwereketsa magalimoto ndi chithandizo cha boma, mothandizidwa ndi momwe mungapezere ngongole yamagalimoto osatayika kwenikweni. Magalimoto sataya kufunikira kwawo pakadali pano, ndichifukwa chake mabanki ena amagwiritsa ntchito mapulogalamu osinthana ndi mitundu yachikale yamakono.

Zovuta (−) ngongole zamagalimoto

Chimodzi mwamavuto akulu obwereketsa magalimoto ndikuti banki yomwe mwasankha komanso malo ogulitsa magalimoto ayenera kukhala abwenzi... Ngongole yamagalimoto imangoperekedwa pagalimoto yokha yomwe mudagwirizana kale ndi omwe amagulitsa magalimoto.

Mukamagwiritsa ntchito ngongole yagalimoto, muyenera kulembetsa CASCO inshuwaransi, yomwe mudzayenera kulipira kutali ndi kochepa, inshuwaransi idzakhalanso pachaka.

China chosasangalatsa ndichakuti galimoto yanu ilonjezedwa ku bank, chifukwa chake simutha, Mwachitsanzo, mugulitse kapena mugule yatsopano.

Mapulogalamu a mwayi nthawi zambiri amangogwiritsa ntchito mitundu ina yamagalimoto, zomwe zimalepheretsa kwambiri kusankha kwa ogula.

Ubwino wa (+) ngongole za ogula mukamagula galimoto

Ngongole zaumwini zili ngati akulimbanandipo zosayenera, ndiye kuti, ngongole zimachitika pazinthu zina kapena ayi.

CASCO inshuwaransi idzakhala yodzifunira - ndi kuphatikiza, zomwe zitha kupulumutsa ndalama zanu, mpaka 15% yamtengo wonse wagalimoto.

Mukamalipira ndalama, mutha kupita kuchipinda chowonetsera magalimoto kuchotsera ndipo mabhonasi... Komanso wogula ali ndi ufulu wonse wosankha galimoto, ogulitsa magalimoto ndi banki, ngati agwiritsa ntchito ngongole ya ogula.

Ngongole za ogula OSATI Chikole chimafunikira nthawi zonse, ndipo mosiyana ndi ngongole yamagalimoto, amafunikiranso zikalata zochepa, zomwe zimapangitsa njira zolembetsa kukhala zosavuta. Ndipo ngati chikole chikufunika, nthawi zambiri mabanki amapanga zinthu zabwino kwa obwereketsa, Mwachitsanzo, kuchepetsa chiwongola dzanja.

Zoyipa za (-) ngongole za ogula

Chiwongola dzanja cha ngongole za ogula nthawi zambiri chimakhala chachikulu kwambiri, ndiye kuti, Mwachitsanzongati mwaperekedwa 18% - ndi ayi zikutanthauza kuti mudzalipira kwambiri 18%. Pali chinthu chonga "Mtengo wathunthu wa ngongole", yomwe m'malo mwa 18% imatha kufikira, mwachitsanzo, mpaka 25%... Chifukwa chake, muyenera kuwerengera zolipirira zenizeni nokha.

Kuphatikiza apo, chinthu china chosasangalatsa ndikuti nthawi zambiri zimakhala zofunikira wotsimikizira... Panthawi ino Ngongole yamagalimoto itha kukhala yabwino kuposa ngongole ya ogula.

---

Chifukwa chake, chinthu chachikulu chomwe chidzafunike kwa inu ngati mungaganize zogula galimoto ndi kupanga chisankho, chomwe ndichofunika kwambiri kwa inu: chomasuka kamangidwe kapena kuthekera kodziyimira pawokha pagalimoto yanu.

Ngati kulembetsa, - ndiye muyenera Ngongole yamagalimoto, ngati kudziyimira pawokha, - ndiye muyenera kugwiritsa ntchito ngongole ya ogula... Zogulitsa zonse kubanki zimakhala ndi zawo zabwino ndi zoyipa, ndipo kusankha ndi kwanu kokha.

Funso 2. Ndi zikalata ziti zomwe zikufunika pangongole yagalimoto pamalo ogulitsa magalimoto?

Mukamayitanitsa ngongole yagalimoto mu salon momwe mukufuna kugula galimoto, muyenera kupereka zikalata zina.

Chiwindi cha zikalata zopeza ngongole yagalimoto mu salon

Pachikhalidwe, mndandanda wazolemba umaphatikizapo:

• pasipoti;
• layisensi ya dalayivala.

Kuphatikiza pazofunikira, omwe angakhale obwereka atha kukhala ndi vuto linalake zinachitikira galimoto.

Mwambiri, mukalembetsa ngongole kudzera m'malo ogulitsa magalimoto, pamafunika zikalata zochepa, palibe chifukwa chotsimikizira ndalama. Kuphatikiza apo, zofunika kwa osankhidwa ndi okhulupirika kwambiri. Chifukwa chake, zaka zocheperako za wobwereka zomwe sangakwanitse amaziona mopepuka - ndizo 18— 23 za chaka.

Funso 3. Kodi mungakulitse bwanji mwayi wopeza ngongole yapa galimoto popanda umboni wa ndalama?

Kuti muwonjezere mwayi wololeza kuyitanitsa ngongole yagalimoto, ndikofunikira kupenda mozama upangiri waluso.

Malangizo 1. Pangani fomu kudzera kudzera ogulitsa magalimoto

Ogulitsa magalimoto nthawi zambiri amakhala ngati wogulitsa ngongole kwa ogula awo. Nthawi zambiri mawu ogulitsa amakhala okwanira kubanki; sichisangalatsidwa ndi mbiri yakale ya ngongole ndi solvency. Nthawi yomweyo, zidzakhala zotheka kubwereketsa ndalama kudzera ogulitsa ogulitsa magalimoto mwachangu komanso moyenera.

Komabe, pali zovuta zina pachiwembu chotere:

• Mtengo wokwera wamagalimoto akale;
• Kuchepetsa kusankha kwa wobwereketsa;
• inshuwaransi mokakamizidwa.

Malangizo 2. Gulani inshuwaransi

Nthawi zambiri, mukafunsira ngongole yagalimoto, mabanki amafunika kuti mugule mfundo za CASCO.

Lamulo linakhazikitsidwa kuti wobwereketsa alibe ufulu wotsimikizira galimoto. Komabe, ngati simukufuna kugula mfundo, banki ikhoza kukana pempholi popanda kufotokoza zifukwa.

Ndikofunikira kwambiri kupereka ndondomeko ya CASCO polembetsa Ngongole yamagalimoto popanda chitsimikiziro cha ndalama... Izi zimawonjezera mwayi wosankha bwino. Ngakhale zili choncho kuti chaka chidzayenera kulipira kwambiri za 10% Mtengo wamagalimoto, uzitetezedwa. Izi zikutanthauza kuti kampani ya inshuwaransi ilipira galimoto yomwe yagundidwa kapena yabedwa.

Uphungu 3. Sonkhanitsani zolipira

Kuchuluka kwakulipira kumakulolani kuti muchepetse ↓ malipiro ochulukirapo... Izi zimatheka pochepetsa kuchuluka kwa ngongole ndikuchepetsa chiwongola dzanja. Ndikulipira kokwanira kokwanira, simusowa kuti mutole zikalata zambiri.

Ngati mukufuna kugula galimoto osalipira chilichonse, muyenera kukhala okonzeka kubweza ndalama zochulukirapo pa 50% mtengo wake.

---

Malangizo pamwambapa akuthandizani kuti muwonjezere mwayi wanu wovomerezedwa ndi ngongole yanu yamagalimoto.

Funso 4. Kodi njira ziti zogulira galimoto yakale (yachiwiri) pa ngongole?

Masiku ano pafupifupi theka la magalimoto ku Russia amagulidwa pangongole. Komabe, ambiri a iwo amagulidwa ndi dzanja lachiwiri.

Akatswiri amayitana Njira 5zomwe zingakuthandizeni kugula galimoto yakale. Aliyense wa iwo ali ndi zabwino zake ndi zovuta zake.

Njira 1. Ngongole yachikhalidwe yamagalimoto akale

Njira yogulira galimoto ndi ngongole ndiyosavuta komanso yodalirika. Nthawi zambiri, pogula njirayi, kugula galimoto kumachitika kudzera mu salon.

Njirayi ili ndi maubwino ake:

1. Wobwerekera akhoza kukhala ndi chidaliro pakugwira ntchito kwaukadaulo kwagalimoto, komanso mwanjira yomwe idachokera;
2. Kuthamanga kwakukulu kokonzekera ngongole;
3. Zolemba zochepa zimafunikira kuti mupeze ngongole yagalimoto.

Mutha kufulumizitsa kulembetsa mwa kulumikizana ndi ogulitsa magalimoto kuti agwiritse ntchito mwachindunji. Nthawi zambiri, pankhaniyi, yankho limapezeka kale Mu ola limodzi... Imakhalabe yolipira gawo loyambirira ndikusainirana pangano la ngongole.

Zoyipa zazobwereketsa monga:

1. Kuwonjezeka kwa kulipira kwakukulu pamalipiro agalimoto, omwe atha kufikira 50% mtengo wa galimoto;
2. Wobwereka adzafunika kuti akhale ndi mbiri yakale ya mbiri yabwino.

Njira 2. Ngongole ya ogula yogulira galimoto yakale

Ngongole yamtunduwu si ngongole yagalimoto m'njira yake yoyera. Mosiyana ndi zomalizirazi, sizolunjika. Komabe, palibe amene amaletsa wobwereka kuti asagwiritse ntchito ndalama zomwe adalandira kugula galimoto.

Njirayi imagwiritsidwa ntchito pomwe akukonzekera kugula galimoto yotsika mtengo kapena zochepa sizingakwanire kugula yodula. Palibe nzeru kutengera ngongole ya ogula ngati ndalama zofunika kuposa ruble 300,000.

Zochepa (-) njirayi ndiyokwera kwambiri chiwongola dzanja... Pakati pa zopindulitsa (+) angatchedwe kupezeka kwa kufunika kopereka inshuwaransi Ndondomeko ya CASCO... Komanso, inu mukhoza kugula mwamtheradi galimoto iliyonse.

Njira 3. Kuwomboledwa kwa zolipira zolipira ngongole yagalimoto

Nthawi zina pokonzekera kubweza ngongole yagalimoto, mkhalidwe wachuma wa wobwereka umasintha kwambiri. Atha kupereka banki kuti igulitse galimotoyo, yomwe idalonjezedwa. Zotsatira zake, kasitomala watsopano wa banki amatha kudzipangira ngongole yagalimoto ndikuwombola galimotoyo.

Kuphatikiza (+) njira yomwe yaperekedwa ndikuchepetsa ↓ kufunika kwa chikole ikakwaniritsidwa ndi chigamulo cha khothi.

komakuchotsa (-) ndikuti banki ilibe akatswiri omwe angayang'ane momwe makina amathandizira. Kuchokera pano, wobwereka amakhala mwini wake mphaka mwachangu.

Njira 4. Ngongole yamagalimoto popanda kubweza ngongole yamagalimoto omwe agwiritsidwa ntchito

Ngongole yamagalimoto yamagalimoto osagwiritsa ntchito ndi imodzi mwanjira zogulira galimoto yomwe mudagwiritsa ntchito pangongole

Kugula galimoto yogwiritsidwa ntchito pangongole popanda kulipira ndikwabwino kwa iwo omwe alibe ndalama yolipira.

Komabe, ilinso ndi zovuta zake:

• Zowopsa zazikulu kubanki zimapangitsa kuti chiwongola dzanja chiwonjezeke;
• Chitsimikizo cha wobwereka chidzakhala chokwanira komanso chokhwima. Muyenera kupereka zikalata zotsimikizira ndalama ndi ntchito zantchito.

Mutha kuwerengera kuchuluka kwa zolipiritsa pamwezi pakubweza ngongole yagalimoto popanda kubweza ngongole pogwiritsa ntchito makina owerengera ngongole pa intaneti patsamba la mabanki.

Njira 5. Ngongole yamagalimoto yopanda chidwi

Zachidziwikire, palibe ngongole yagalimoto yopanda chiwongola dzanja m'njira yoyera. Komabe, pali mwayi wopereka magawo azamalondaamatchedwanso zolemba.

Liti zolemba wogula amalipira koyamba, ndalama zotsalazo zimalipidwa ndi banki. Ngongole iyenera kubweza ngongoleyo. Poterepa, chiwongola dzanja sichidzaperekedwa.

Pali zovuta zingapo pantchitoyi:

• kulipira kwakukulu (nthawi zambiri imafika theka la mtengo wamagalimoto);
• nthawi yocheperako yobwerera - kuyambira miyezi isanu ndi umodzi mpaka chaka chimodzi.

Zikuoneka kuti kutumizirako mabuku ndi koyenera okhawo omwe amapeza ndalama zambiri zokwanira. Tiyenera kukumbukira kuti kusowa kwa chidwi sikutanthauza kuti palibe zolipira zochulukirapo ndi chiwembuchi.

Wobwereka ayenera kubweza zina:

1. mabungwe otsegula ndi kusunga maakaunti;
2. malipiro obwezera msanga;
3. malipiro a inshuwalansi ya CASCO;
4. Malipiro ochedwa.

Funso 5. Kodi ndikofunikira kugula mfundo za CASCO mukalembetsa ngongole yagalimoto?

Ngongole yamagalimoto ndi ngongole yomwe imaperekedwa kuti mugule galimoto. Kwa anthu ambiri aku Russia, njirayi ndi njira yokhayo yomwe ingakhalire ndi galimoto. Poterepa, ndizowona kuti muyenera kulipira ndalama zambiri, kuphatikiza mawonekedwe malipiro owonjezera.

Nthawi zambiri, chifukwa chobweza ndalama zambiri, mtengo womaliza wamagalimoto umakwera pafupifupi kawiri. Chifukwa chake, obwereketsa amayesetsa kusunga pang'ono. Kuti izi zitheke, ambiri a iwo amakana kugula Ndondomeko ya CASCO... Inshuwaransi yotereyi imayenera kuperekedwa chaka chilichonse ndipo mtengo wake umafika 10% kuchokera pamtengo wagalimoto.

Popeza CASCO siyokakamizidwa, ambiri obwereketsa amakayikira kufunikira kwa inshuwaransi yotere. Zotsatira zake, akuyang'ana mapulogalamu omwe alibe chifukwa choti apange.

Komabe, sikuti aliyense amamvetsetsa kuti bankiyo ikufuna kuchepetsa zoopsa zake momwe zingathere. Chifukwa chake, kukana kutsimikizira za chikole (galimoto yomwe ikugulidwa), kampani yobweza ngongole imagwiritsa ntchito njira zina kuti iteteze kwambiri.

Pochepetsa zovuta, kampani yobwereketsa imagwiritsa ntchito izi:

• kuchuluka kwa chiwongola dzanja;
• kuchepetsa mawu ndi kuchuluka kwa ngongole;
• udindo wopereka ndalama zoyambirira mokwanira;
• kuyang'anitsitsa kwa wobwereka;
• kuphunzira mosamala mbiri ya ngongole.

Mvetsetsani mtundu womwe mukufuna - ndi inshuwaransi kapena wopanda - ndizotheka pokhapokha powerengera mosamala zosankha zonse ziwiri.

Ena obwereka amasankha kupereka kugula galimoto ngongole ya ogula kapena mapu... Koma apa ziyenera kukumbukiridwa kuti pamapulogalamu osakhudzidwa, mlingowu wakhazikitsidwa pamlingo wapamwamba. Chifukwa chake, ndikofunikanso kuwerengera molondola ndikuwunika pano.

Funso 6. Ngongole yamagalimoto yopanda chiwongola dzanja (pa 0% pachaka) - nthano kapena chowonadi?

Sikuti aliyense angakwanitse kugula galimoto popanda kubwereketsa ngongole yagalimoto. Komabe, ngongoleyo imakulitsa kwambiri mtengo womaliza wagalimoto. Kuphatikiza apo, zolipiritsa pamwezi zimakhala zolemetsa zowonjezera pabanja. Mwachilengedwe, pamikhalidwe yotere, wobwereka aliyense amayesetsa kuti achepetse mtengo.

Chimodzi mwazinthu zazikulu zomwe zimapangitsa kubweza ngongole yagalimoto ndi chiwongola dzanja... Kuti muchepetse, ndikuyenera kupereka ku banki zikalata zambiri momwe mungathere, kulipira ndalama zochepa kwambiri.

Kuphatikiza apo, pamakhala zotsatsa pamsika zomwe zingakonzekere Ngongole yamagalimoto yopanda chiwongola dzanja... Tiyeni tiyesere kudziwa kuti izi ndi zoona bwanji, ngati ngongole zotere zilipo kapena ndizongopeka chabe.

Cholinga chachikulu cha mabanki akamapereka ngongole ndikumalandira ndalama zina. Nthawi zambiri, imakhala yolipiridwa ndi wobwereka peresenti... Wobwereketsanso amaika muyezo chiopsezo chosabwerera ndalama zoperekedwa. Chifukwa chake, ambiri samakhulupirira zakupezeka ngongole zagalimoto zopanda chiwongola dzanja. Komabe, lingaliro ili silolondola.

Ndikofunika kudziwa! Ngongole zopanda chiwongoladzanja zimatchedwa molondola ndi magawo... Poterepa, wogula galimotoyo amalipira gawo la mtengo wake mwezi uliwonse, osalipirira konse. Pali zotsatsa zofananira pamsika wobwereketsa magalimoto, koma ndizochepa.

Kawirikawiri dongosolo la magawo akuyimira gawo, yomwe imagwira ntchito kwakanthawi kochepa.

Cholinga chotere chimapangidwa mogwirizana ndi maphwando atatu:

1. wopanga magalimoto;
2. wogulitsa (wogulitsa mwalamulo);
3. banki.

Chipani chilichonse chimayang'anira mtengo womaliza wa galimoto - fakitale ndipo wogulitsa kuchotsera mtengo, banki amachepetsa chiwongola dzanja... Zotsatira zake, galimotoyo itsika mtengo wotsika. Mu mgwirizano, mtengo wamsika wamba ukuwonetsedwa. Ochita nawo ntchitoyi agawana kusiyana pakati pawo, ndipo wobwereka alandila ngongole yopanda chiwongola dzanja.

Pakhoza kukhala zosankha zingapo pakulembetsa ndikupeleka:

Njira 1. Wogula malo ogulitsa magalimoto amapatsidwa kuchotsera pamalipiro omwe amapezeka pangongole. Pangano la ngongole yamagalimoto, chiwongoladzanja chikuwonetsedwa. Zotsatira zake, mukamalipira ngongole, zimapezeka kuti kasitomala salipira chilichonse.

Njira 2.Mgwirizanowu umawonetsa mtengo wamsika wagalimoto. Banki salipiritsa chiwongola dzanja ndipo wobwereka amalipira ndalama zomwe zikufanana ndi mtengo wagalimotoyo pang'onopang'ono.

Wobwereka ayenera kumvetsetsa kuti kupeza ngongole yopanda chiwongola dzanja yagalimoto sikophweka. Muyenera kutsimikizira kupezeka kwa malo ogwira ntchito, komanso ndalama zokwanira. Kuphatikiza apo, sizokayikitsa kuti achinyamata athe kupanga ngongole zotere.

Masiku ano, ngakhale omwe alibe ndalama zokwanira zogulira galimoto atha kukhala eni galimoto. Ndikokwanira kutenga ngongole yagalimoto.

Koma musaiwale kuti iyenera kulipidwa kwa nthawi yayitali komanso molondola. Ngati izi sizingachitike, banki imatha kukasuma ndikukakamiza kugulitsa galimotoyo.

Pomaliza, tikukulangizani kuti muwonere kanema ngati mungatengere ngongole yamgalimoto:

Ndizo zonse kwa ife. Gulu la Maganizo azachuma pa Life likukufunirani zabwino zogulira komanso ngongole zopindulitsa kwambiri zamagalimoto!

Ngati muli ndi mafunso pa mutu wofalitsa, afunseni mu ndemanga pansipa. Voterani ndikugawana nkhaniyi pamasamba ochezera ndi anzanu. Mpaka nthawi yotsatira!