Ngongole yamagalimoto pa intaneti - momwe mungawerengere ngongole yagalimoto ndi komwe mungatulutse (kutumiza) fomu yofunsira ngongole yapaintaneti: Mabanki TOP-5 okhala ndi zopindulitsa

Moni okondedwa owerenga magazini a Ideas for Life! Lero tikukuuzani momwe mungawerengere ndikugwiritsa ntchito ngongole yapa galimoto pa intaneti, komanso komwe kuli bwino kuyitanitsa ngongole yamagalimoto pa intaneti.

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

Mukamaliza kuwerenga bukuli, muphunzira:

• Kodi ndi zinthu ziti zomwe zikufunsidwa kuti mupeze ngongole yapa galimoto pa intaneti;
• Njira ziti zowerengera ngongole yamagalimoto;
• Kodi mungalembetse kuti ngongole yobwereketsa galimoto pa intaneti?

Komanso m'nkhaniyi mupeza tsatane-tsatane malangizo oti mulembetsere ngongole yamagalimoto paintanetikuthandiza oyamba kumene. Kuphatikiza apo, pachikhalidwe kumapeto kwa kufalitsa timayankha mafunso otchuka.

Nkhani yomwe yaperekedwa ingathandize aliyense amene akufuna kubwereketsa galimoto mwachangu komanso popanda mavuto. Werengani momwe mungachitire izi pompano!

Momwe mungawerengere ndikufunsira ngongole yapa galimoto pa intaneti, pomwe kuli bwino kulembetsa ngongole yamagalimoto - werengani patsamba lino

1. Kufunsira ngongole yapa galimoto pa intaneti ngati njira yogulira galimoto pa intaneti 🗒

Munthawi ya Soviet, anzathu amayenera kusunga ndalama kwa nthawi yayitali kuti agule galimoto. Ndiye amayenera kudikirira nthawi yawo, chifukwa mdziko muno munalibe magalimoto okwanira aliyense.

Lero ndikosavuta kugula galimoto. Momwemo ngakhale sikofunika kukhala ndi ndalama zokwanira kugula. Ndikokwanira kulumikizana ndi banki ndipo pezani ngongole... Koma zidapezeka kuti awa si malire, chifukwa mutha kupeza ngongole yogula galimoto pa intaneti.

Zaka zingapo zapitazo, zinali zofunikira khalani ndi nthawi kudikirira pamzere, ndikuyankhula ndi wogulitsa ngongole. Komanso, kunali koyenera kutolera ziphaso ndi zikalata zambiri. Ndipo panalibe chitsimikizo chakuyankha kwabwino ku banki.

Ndikukula kwa ukadaulo wa intaneti, njira zopezera ngongole yamagalimoto zakhala zosavuta. Lero, simuyenera kusiya nyumba kapena ofesi kuti mukalembetse ngongole. Zokwanira lembani zolemba pa intaneti ndipo mumphindi zochepa mutha kukhala mwini wonyadayo wogula galimoto.

Zachidziwikire, mukuyenerabe kupita kuofesi ya ngongole. Ndi pamenepo kuti kusaina contract... Muyeneranso kukaona ogulitsa magalimoto, komwe amachitikira mwachindunji kugula galimoto... Koma ngati pangakhale chisankho choyenera pa ngongole, zochita zotere sizikhala zovuta.

Pali maubwino angapo ofunsira ngongole yamagalimoto paintaneti:

• nthawi yopulumutsa - palibe chifukwa chopita kumalo obwereketsa ngongole, kuyima pamzere;
• kudzaza ntchitoyi kumachitika m'malo abwino, mosiyana ndi malo amanjenje komanso olimba panthambi ya banki;
• Mutha kulembetsa ku mabungwe angapo obwereketsa ngongole nthawi imodzi;
• makampani ena amapereka chiwongola dzanja chochepa kwa makasitomala omwe agwiritsa ntchito intaneti.

Iwo amene asankha kubwereketsa galimoto ayenera kudziwa kuti mabanki ambiri amafunika kusungitsidwa chindapusa choyambirira... Kukula kwake kumadalira pakubweza ngongole ndi pulogalamu yobwereka.

Komabe, iwo omwe alibe ndalama konse sayenera kutaya mtima - lero mutha kupeza ngongole zamagalimoto popanda kubweza. Koma ziyenera kukumbukiridwa kuti kuchuluka kwa mapulogalamu otere nthawi zambiri kumakhala kwakukulu kwambiri. Malongosoledwe ake ndiosavuta - Zikatero banki imakhala pachiwopsezo chachikulu.

Obwereketsa ayenera kudziwa kuti yankho lomwe analandira kuchokera ku banki kudzera pa intaneti ndiloyambirira. Asanapereke ngongole, kampani yobwereketsa ngongole kwenikweni iwunika zambiri zomwe zafotokozedwera pamagetsi ndi zikalata zoyambirira.

Chifukwa chake, akatswiri amalangiza lembani mafunso ambiri momwe mungathere zonse, chilungamo ndipo mosamala... Ngati zolakwika ndi zolakwika zikupezeka pamagwiritsidwe, ngongoleyo ikana kukanidwa. Kuphatikiza apo, ngati chinyengo chapezeka, akatswiri aku banki atha kuloleza wopemphayo mndandanda wakuda.

Chimodzi mwamagawo ofunikira kwambiri pakubwereka galimoto ndi chiwongola dzanja... Ndi iye amene ali ndi gawo lofunika malipiro ochulukirapo... Komanso, kukula kwake kumakhudzidwa ndi ndalama ndipo nthawi adalandira ngongole ndipo mawu obwereketsa.

Pachikhalidwe, ngongole zamagalimoto zimapindulitsa kwambiri kuposa ngongole wamba za ogula. Komabe, mawonekedwe a wobwereka ndi banki yomwe amasankha amakhalabe otsimikiza.

Zofunika! Pafupifupi, galimoto yogulidwa ndi ngongole imawononga pafupifupi 40% yokwera mtengo.

Obwereka ayenera kudziwa kuti pali njira zabwino zogwirira ntchito kuchepetsa ↓ kubweza ngongole yagalimoto. Zimachitika kuti m'malo mwa chandamale kumakhala kopindulitsa kwambiri kupeza ngongole ya ogula kapena kiredi... Zoterezi zitha kuchitika pomwe ndalama zochepa sizokwanira kugula galimoto.

Banki iliyonse imapanga zochitika zake pangongole zagalimoto Komabe, akatswiri akuwunikira zomwe zimafotokozedwa pamabungwe onse obwereketsa ngongole.

Zomwe zikuluzikulu zoperekera ngongole yamabanki m'mabanki:

• malipiro oyambira atha kupezeka kwathunthu kapena angafike theka la mtengo wagalimoto;
• ngongole ndi kuchokera 1 kale 7 zaka.

Kuphatikiza pamigawo yobwereketsa galimoto, pali zofunikira zingapo zomwe zingagwiritsidwe ntchito kwa obwereketsa.

Zofunikira zazikulu za wobwereka ndi:

• zaka - zochepa - Zaka 21, kutalika - Zaka 65 (nthawi zina ngongole imaperekedwa kwa nzika kuchokera 18 kale 75);
• kupezeka kwa ntchitozolembedwa;
• ndalama zovomerezeka zaboma.

Mabanki ena amapereka kuti atenge ngongole yagalimoto osapereka zikalata zantchito ndi ndalama. Koma, kuvomereza malingaliro awa, ziyenera kukumbukiridwa kuti mtengo wa ngongole pankhaniyi ukhoza kukhala wapamwamba kwambiri.

Mulimonsemo, musanapemphe ndalama yobwereketsa galimoto, ndikofunikira kuti muphunzire mosamala zonse zomwe mabanki amapereka. Pokhapokha mutatha kusankha imodzi mwazo.

Njira zazikulu zowerengera ngongole yagalimoto: 1) pogwiritsa ntchito chowerengera pa intaneti; 2) kunthambi ya banki; 3) wekha

2. Momwe mungawerengere ngongole yagalimoto (ngongole yagalimoto) - TOP-3 njira zowerengera mtengo wagalimoto loan

Mabanki amakono aku Russia amapereka kukonza ngongole yapa galimoto. Zikatero, zimakhala zovuta kuti wobwereka asankhe njira yabwino kwambiri.

Kuti muwonetsetse kuti ngongole yobwerekedwa yamagalimoto ndiyopindulitsa kwambiri, muyenera kusanthula mosamala zonse zomwe mungapeze. Kuti muchite izi, muyenera kuwerengera pasadakhale mtengo wobwereketsa galimoto kuchokera kumabanki osiyanasiyana.

Akatswiri amalangiza kugwiritsa ntchito imodzi mwanjira zitatu zomwe zafotokozedwera pansipa.

Njira 1. Kuwerengetsa ngongole yagalimoto pogwiritsa ntchito makina ochezera pa intaneti

Njira yosavuta yowerengera kulipira kwakukulu kwa ngongole yagalimoto, yomwe sikutanthauza nthawi yambiri ndi chidziwitso, ndi chowerengera ngongole zapaintaneti.

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Pali mitundu iwiri yayikulu ya iwo:

1. mapulogalamu operekedwa ndi malo apadera;
2. makina owerengera omwe amaikidwa pazantchito zovomerezeka zamabungwe angongole.

M'madera apadera, muyenera kuyika zofunikira kwambiri pakubweza galimoto:

• mtengo wamagalimoto;
• kuchuluka kwa gawo loyamba;
• nthawi yobwereka;
• chiwongola dzanja;
• njira yobwezera (ndalama kapena malipiro osiyana).

Minda yonse ikadzazidwa, imatsalira kuti dinani batani "Werengani ngongole ya galimoto", zotsatira zake zidzakhala ndandanda wokhala ndi zolipira pamwezi ndi kuchuluka kwa zolipira, komanso kuchuluka kwathunthu kwa ngongole.

Kuwerengera ngongole yamagalimoto pogwiritsa ntchito makina ochezera pa intaneti

Njira 2. Lumikizanani ndi wogulitsa ngongole kubanki

Iwo omwe safuna kuwerengera ngongole yagalimoto pamasom'pamaso alumikizane ndi nthambi yaku banki. Akatswiri a ngongole azichita kuwerengera pawokha.

Wotsatsa samamvetsetsa nthawi zonse momwe izi kapena zotsatirazi zidapezedwera. Komabe, njirayi ilinso ndi kuphatikiza (+) – wobwereka sayenera kuchita kalikonse.

Kuphatikiza apo, kuwerengera komwe kumachitika kubungwe la ngongole nthawi zambiri kumakhala kolondola komanso mwatsatanetsatane.

Njira 3. Pangani kuwerengera kodziyimira pawokha ngongole yamagalimoto

Njirayi ndi yoyenera kwa iwo amene amangokhulupirira kuwerengera kwawo. Komabe, zidzafunika kudziwa bwino masamu azachuma.

Kuwerengera kutha kugwiritsidwa ntchito makina ojambulira kapena Masamba a Excel... Ndikofunika kuti musaiwale kukumbukira magawo onse a ngongole yagalimoto.

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Chifukwa chake, musanapange ngongole yapa galimoto, ndikofunikira kuwerengera ndalama zolipira mtsogolo ndipo malipiro ochulukirapo.

Kuti muchite izi, mutha kugwiritsa ntchito imodzi mwanjira zomwe zaperekedwa. Kusankha kosankha kumadalira kudziwa komanso zokhumba za wobwereka.

Malangizo ndi tsatanetsatane momwe mungalembetsere ngongole yapa galimoto pa intaneti

3. Momwe mungalembetsere ngongole yapa galimoto pa intaneti - njira zosavuta 5 📝

Chifukwa chake, kutenga ngongole yagalimoto kumapangitsa kukhala kosavuta kwa iwo omwe amalota za galimoto yawoyawo, koma alibe ndalama zokwanira kuti agule. Komabe, mpaka pano, sikuti aliyense amadziwa momwe angalembetsere bwino ngongole yapa galimoto pa intaneti.

Chifukwa chake, akatswiri adalemba malangizo ndi sitepe kwa iwo omwe amachita izo kwa nthawi yoyamba.

Gawo 1. Kuwerengera mtengo wagalimoto

Choyambirira, muyenera kuwerengera magawo akuluakulu a ngongole yagalimoto. Wobwereka ayenera kumvetsetsa kuchuluka kwake zomwe ali nazo komanso kuchuluka kwa zomwe azibwereke.

Zofunika! Ndikofunika kutanthauzira kuthekera kolipira pamwezi... Izi zikuthandizani kuti mumvetsetse momwe ngongole izilipirire.

Takambirana kale za njira zowerengera pamwambapa. Ndikofunika kukumbukira kuti magawo otsatirawa amafunika kuti apeze deta yolondola:

1. kuchuluka kwa ngongole;
2. ngongole (nthawi zambiri mumwezi);
3. kuwerengera peresenti pachaka;
4. kuchuluka kwa gawo loyamba;
5. njira yobwezera.

Tiyenera kukumbukira kuti ambiri owerengera ngongole samaganiziranso ndalama za inshuwaransi, zomwe ndi zachikhalidwe pangongole zamagalimoto (Mwachitsanzo, nthawi zambiri CASCO imaperekedwa pagalimoto yomwe imagulidwa pogwiritsa ntchito ndalama zobwerekedwa). Malipiro amenewa ayenera kuwerengedwa kuti awunikire molondola kuchuluka kwa zolipirira.

M'pofunikanso kuganizira kukhalapo kwa osiyana mabungwe pakutulutsa ndi kukonza ngongole yapa galimoto kubanki.

Gawo 2. Kusankha galimoto ndi malo ogulira

Nthawi zambiri, atafika kale palingaliro la ngongole zagalimoto, wobwereketsayo amadziwa galimoto yomwe akufuna kugula. Komabe, nthawi zina chisankho chimayenera kupangidwa pambuyo powerengera, zikawonekeratu momwe woyendetsa mtsogolo angadalire.

Kuphatikiza pa kalasi ya kavalo wachitsulo, gawo ili liyenera kukhala sankhani malo ogulitsa magalimoto... M'madera akulu akulu, nthawi zambiri mumakhala ochepa. Kuti mupange chisankho choyenera, ndi bwino kuwerengera malingaliro onsewa. Pazifukwa izi ndikofunikira kuwerenga ndemanga makasitomala awo.

Ambiri ogulitsa magalimoto amakhala nawo mgwirizano wamgwirizano ndi mabanki akulu. Kuphatikiza apo, wogulitsa aliyense amakhazikitsa njira yolumikizirana ndi mndandanda wamabungwe angongole.

Chifukwa chake, ngati banki inayake yasankhidwa kuti ibwereke ngongole yagalimoto, akatswiri akuyenera kufotokozera kuti amagwirizana ndi malo ati ogulitsa magalimoto.

Zomwezo zimagwiranso ntchito pamilandu imeneyi liti sWobwereka adaganiza zogula galimoto pakampani inayake... Kenako ogulitsa magalimoto amayenera kutenga mndandanda wamabanki ndikuwunika zomwe akufuna.

Gawo 3. Kuwunika ndi kufananiza momwe ngongole yagalimoto imakhalira m'mabanki osiyanasiyana

Anthu ena amakhulupirira kuti momwe ngongole zagalimoto zimakhalira m'mabanki onse ndizofanana. Chifukwa chake, akuwonetsa kuti asankhe kampani yomwe ikupezeka bwino kwambiri. Njirayi ndiyofunikira osakhulupirika.

Masiku ano, mabanki ochulukirapo akugwira ntchito mumsika wazachuma. Chifukwa chake, mulingo wa mpikisano ndiwokwera kwambiri pano. Mabanki amamenyera kasitomala aliyense, ndikupanga mapulogalamu atsopano obwereketsa magalimoto. Wobwereka m'mikhalidwe yotere amakumana ndi ntchitoyo yerekezerani zopereka zambiri ndi kusankha pakati pawo bwino kwambiri.

Njira yosavuta yosanthula kuchuluka kwamapulogalamu obwereketsa magalimoto munthawi yocheperako ntchito zapadera pa intaneti... Ndikokwanira kungosonyeza mzinda wokhala kuti mupeze mndandanda wazomwe mungafanizire.

Posankha banki kuti adzalandire ngongole yamagalimoto, obwerekera mwamwambo amamvera chiwongola dzanja... Izi ndizofunikira, koma osati gawo lokhalo. Muyeneranso kulabadira mawu kubweza ndipombiri ya kampani yobwereketsa.

Kuphatikiza apo, ndikofunikira kuphunzira magawo omwe alipo mabanki osiyanasiyana, chifukwa nthawi zambiri amakula zotsatsa za nyengokuti akope makasitomala ambiri.

Mwa njira, patsamba lathu pali nkhani yoti "Ngongole yamagalimoto yothandizidwa ndi boma - mndandanda wamagalimoto ndi zofunikira kuti mupeze" - tikupangira kuti muwerenge.

Gawo 4. Kulembetsa ntchitoyo pa intaneti

Kutumiza fomu yofunsira pa intaneti kumachepetsa kwambiri kulembetsa ngongole yagalimoto, komanso kumasungira nthawi ya wobwereka mtsogolo. Komabe, mukuyenera kuyendera nthambi ya banki - ili muofesi kuwunika zoyambira zikalata ndi zotsatira kusaina pangano la ngongole.

Chofunika kwambiri mwayi kugwiritsa ntchito intaneti ndi kutha kuzipereka kuma mabungwe angapo obwereketsa ndalama nthawi imodzi... Nthawi yomweyo, palibe chifukwa chopeza phukusi la zikalata zingapo ndikuzigawira kumaofesi aku banki.

Kumaliza kugwiritsa ntchito kumatenga mphindi zochepa. Ndikokwanira kuti mupange zofunikira zonse m'minda yoyenera. (Onani zithunzi pansipa).

Gawo 1. Kuwerengetsa magawo agalimoto

Gawo 2. Kudzaza zidziwitso zanu ndikupempha ngongole yagalimoto

Mukamapereka fomu yofunsira ngongole yagalimoto, muyenera kulemba izi:

• dzina, dzina, patronymic;
• tsiku ndi malo obadwira;
• deta ya pasipoti;
• zambiri zokhudza malo ogwirira ntchito;
• tsatanetsatane - nambala yafoni ndi imelo.

Izi ndizofunikira zomwe mukufuna. Gulu lililonse la ngongole limatha kuwonjezera kufunsoli ndi zofunikira zake.

Zimatsalira kutumiza fomu ku banki ndikudikirira chisankho. Pakulingalira za funsolo, kampani yobwereketsa ndalama imayang'ana mbiri ya ngongole ya yemwe angakhale kasitomala. Ngati palibe zovuta ndi mbiri, ndizotsimikizika zabwino chisankho.

Komabe, ngati akatswiri akukayika kuti wobwereka mtsogolo ndi wosungunulira, atha kuleka kapena momwe ngongole zidzakhalire. Chifukwa chake, banki itha kupereka kukopa chitsimikizo, perekani zina zowonjezera kapena kuwonjezera ↑ chiwongola dzanja.

Mutha kudziwa momwe mungapezere ngongole popanda kukana (ndi mbiri yoyipa ya ngongole yopanda ziphaso za omwe mwapeza ndi ma guarantors) mu chimodzi mwazida zathu.

Lingaliro la bungwe la ngongole pazofunsira pa intaneti nthawi zambiri limakhala loyambirira. Izi zikutanthauza kuti, ngati avomerezedwa, wobwereketsayo akuyenera kukaona nthambi ya kubanki ndi zoyambirira za zikalatazo. Chokha yankho lomaliza lidzaperekedwa pamenepo.

Gawo 5. Kupeza ngongole ndikugula galimoto

Pakakhala chisankho chomaliza chokhudza ngongole yagalimoto, zimangotsala kuti zisayine pangano la ngongolekuti apeze ndalama.

Pambuyo pake, mutha kuyamba kugula galimoto, kuilembetsa ndikuipangira inshuwaransi. Tinalemba za momwe tingapangire galimoto kudzera pa intaneti m'nkhani ina.

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Wobwereka amene watenga ngongole yagalimoto ayenera kukumbukira kuti galimotoyo idzakhala analonjeza ku banki PAMBUYO kubweza kwathunthu ngongoleyo.

Ndikofunika kulipira molondola, ngati ngati mukukana kulipira, mutha kutaya galimoto yomwe mwagula.

Chidule cha mabanki komwe mungagwiritse ntchito yobwereketsa galimoto pa intaneti

4. Komwe mungagwiritse ntchito pa intaneti pangongole zagalimoto - mwachidule mabanki a TOP-5 okhala ndi mapangano abwino 🏦

Anthu ambiri amaganiza kuti ngongole zamagalimoto zili ndi zovuta zina. Amatchedwa inshuwaransi yovomerezeka ya CASCOzomwe mabanki ena amalamula. Kuphatikiza apo, anthu ambiri sakonda kuti galimoto yomwe idagulidwa idatsalira analonjeza ku banki.

Chifukwa chake, omwe alibe ndalama zokwanira kugula galimoto yomwe amafunayo nthawi zambiri amafunsira ngongole ya ogulakapena kiredi.

Komabe, ngongole zamagalimoto sizikutaya kutchuka kwawo. Malongosoledwe ake ndiosavuta - nthawi zambiri zimakhala choncho kupeza chilolezo chopeza ngongole yotere Zosavutirako... Chiwongola dzanja chobwereketsa galimoto nthawi zambiri chimakhala pansipa below.

Kutchuka kwa ngongole zamagalimoto kumabweretsa mfundo yakuti mabanki ambiri amaphatikiza mapulogalamuwa pamzera wawo wobwereketsa. Kungakhale kovuta kusankha choyenera kuchokera pazambiri. Chifukwa chake, akatswiri amapanga ziwerengero zamabanki abwino kwambiri.

M'munsimu muli TOP-5 mabungwe obwereketsakomwe mungalembetse ngongole yapa galimoto pa intaneti.

1) Sovcombank

Mutha kubwereka ndalama ku Sovcombank mpaka ma ruble 1,000,000... Nthawi yobwezera ngongole itha kukhazikitsidwa mkati 5 zaka... Mtengo udzakhala 17% pachaka.

Kwa iwo amene akufuna kugula galimoto, Sovcombank imapereka mwayi wapadera - ngongole yotetezedwa ndi galimoto yakale... Werengani za momwe zinthu zingakhalire kuti mulandire ngongole yotetezedwa ndi galimoto PTS munkhani ina m'magazini yathu.

Komanso, lero, kampani yobweza ngongole ili ndi kampeni - ngongole ya 100 000 Ma ruble pansi 12% kuyatsa 12 miyezi... Komabe, ndikofunikira kuwunika kupezeka kwa zopereka ngati mukufuna kutenga ngongole.

Mwambiri, mzere wa ngongole za Sovcombank umaphatikizapo mapulogalamu opitilira 10. Kuphatikiza pa ngongole za ogula, alipo ngongole zagalimoto... Ndi ndalama zomwe mwalandira, mutha kugula galimoto m'malo ogulitsa magalimoto omwe ndi anzawo kubanki.

2) Tinkoff Bank

Tinkoff Bank imagwira ntchito kwathunthu pa intaneti. Apa kwenikweni pa 5 mphindi Mutha kulembetsa khadi yokhala ndi malire a ngongole mpaka ma ruble 300,000.

Lingaliro pa pempholo limapangidwa mumphindi zochepa. Pambuyo pake, ndikwanira kuwonetsa adilesi yomwe khadiyo iyenera kuperekedwera. Tsiku lomwelo, wobwereka amakhala mwiniwake wonyadira ndalama zomwe amafunikira kugula galimoto.

Ndi kirediti kadi nthawi yopanda chidwi... Mwanjira ina, ngongole ikabwezedwa mkati Masiku 55 simusowa kulipira peresenti. Kuphatikiza apo, pogula pogwiritsa ntchito khadi, mabhonasi pamlingo wa kale 30% kuchokera pamitengo.

Kwa chaka chimodzi chantchito yotereyi muyenera kulipira ntchito pamlingo wa 590 rubles... Mtengo wa kirediti kadi wakhazikitsidwa pamlingo wovomerezeka - 19,9% pachaka.

3) Renaissance Mawu

Renaissance Credit Bank ikufuna kutulutsa kirediti kadi pa intaneti ndi malire mpaka 200,000 ruble... Mukadzaza ntchitoyi masana akatswiri a bungwe la ngongole amapanga chisankho.

Akalandira yankho labwino, wobwereketsayo amatha kupita ku ofesi yapafupi ku banki kukatenga mapu... Kutulutsidwa ndi kukonzedwa kwake ndi kwaulere. Mukamabwezera ngongole pasanathe masiku 55 simuyenera kulipira chiwongola dzanja. Kupanda kutero, mtengo udzakhala 24,9% pachaka.

Kuphatikiza pa makhadi a ngongole pa intaneti, mutha kulembetsa nawo ngongole pamtengo kale 700 000 Ma ruble... Poterepa, mulingo wakhazikitsidwa pamlingo 13,9%... Nzika za msinkhu wopuma pantchito zimatha kubwereka ndalama pazokonda.

4) Alfa Bank

Alfa Bank ikufuna kukonza ngongole yogulira galimoto, komanso ngongole yandalama pamalowo mpaka ma ruble 5,000,000... Muyenera kubweza ndalama zomwe munalandira munthawi yake kuchokera 12 kale 72 miyezi.

Iwo omwe alibe ndalama zokwanira kugula galimoto atha kulembetsa ku Alfa Bank kiredi.

Mwa pulogalamu Platinamu zilipo kale 300 000 Ma ruble... M'chaka choyamba, simuyenera kulipira kuti mugwiritse ntchito kirediti kadi. Mutha kubweza ngongoleyo kudzera mu ATM kapena akaunti yanu patsamba lanu. Ngati ndizotheka kubweza ngongole yonse mkati 60 masiku, chiwongola dzanja sichidzaperekedwa.

5) VTB Bank yaku Moscow

Bank yomwe idaperekedwa ndi m'modzi mwa atsogoleri amsika wachuma waku Russia. Apa mutha kupeza mpaka ma ruble 3,000,000 kwakanthawi kale 5 zaka... Mutha kulembetsa ngongole zonse kuofesi ya ngongole komanso pa intaneti. Akatswiri amapanga chisankho pafupifupi pa 15 mphindi.

Wapakati pa mapulogalamu a ngongole ndi 14,9% pachaka... Zachilendo, wobwereka amatha kusankha tsiku lolipira molingana ndi tsiku lolandila ndalama.

Ngati kasitomala ali ndi mavuto osayembekezereka, banki imatha kupereka maholide a ngongole... Nthawi yawo ndi kuchokera 30 kale 60 masiku.

Pofunsira ngongole, ogwira ntchito zaboma angadalire mwayi... Gulu ili la nzika limaperekedwa kuti lipeze ngongole pamtengo wotsika.

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Pakuyerekeza kowoneka bwino kwa mabungwe omwe amaganiziridwa kuti ndi ngongole, timakonda kupereka mawonekedwe awo patebulopo.

Tebulo la mabanki a TOP-5 ndimikhalidwe yawo yobwereketsa:

№	Kuyendetsa ngongole	Voterani,% pachaka	Kuchuluka kwa ngongole	Makongoletsedwe
1	Sovcombank	12 – 17	Mpaka ma ruble 1 miliyoni	Pali pulogalamu yagalimoto yatsopano pamachitetezo akale
2	Banki ya Tinkoff	19,9	Ma ruble 300,000	Ndalama zimaperekedwa pa kirediti kadi, yomwe imaperekedwa kunyumba kwanu
3	Mbiri Yachikulire	24,9	Mpaka 200 zikwi za ruble	Palibe komiti yopereka ndikusunga kirediti kadi
4	Alfa Bank	23,9	Mpaka ma ruble 300,000	Nthawi yachisomo masiku 60
5	VTB Bank of Moscow	Kuchokera ku 14.9	Mpaka ma ruble mamiliyoni atatu	Kubwereketsa mokweza kwa ogwira ntchito m'boma Mwayi wopeza tchuthi changongole

Palinso makampani omwe amapereka kubwereketsa magalimoto kwa anthu ndi mabungwe azovomerezeka.Iyi ndi yobwereka galimoto ndikusankha kogulitsanso pambuyo pake. Imodzi mwamakampani abwino kwambiri kubwereketsa ku Russian Federation kumapeto kwa 2016 (data kuchokera ku RA Expert) ndi Europlan. Nayi malo abwino kwambiri ogwirira ntchito limodzi + maubwino owonjezerapo ndikukonzanso magalimoto kwaulere munthawi yonse yamgwirizanowu.

5. Chifukwa chomwe mabanki amatha kupanga chisankho cholakwika pazofunsira ngongole yagalimoto - TOP-5 zifukwa zotchuka 📛

Mabanki nthawi zonse samapanga zisankho zabwino pofunsira ngongole. Mu theka la milanduyi, wobwereka popereka ngongole kukana.

Ndikofunikira kudziwa zifukwa zomwe nthawi zambiri zimabweretsa zotulukapo zofananira. Izi zithandiza wopemphayo kuti apange njira zoyenera.

Chifukwa 1. Mulingo wochepa wa solvency

Izi nthawi zambiri zimabweretsa kukana kufunsira ngongole yagalimoto. Malongosoledwe ake ndiosavuta - banki imayesetsa kuyesetsa kuti mwayi wobwezeredwa ubwerere.

Ndikofunika kuonetsetsa kuti kuchuluka kwa zolipira pamwezi sikudutsa 40% ndalama. Ngati lamuloli silikutsatiridwa, muyenera kusintha magawo azomwe mungakongole ngongole kuti muwonjezere mwayi wovomerezedwa. Pachifukwa ichi, mutha kuchepetsa ↓ kuchuluka kwa ngongole kapena kuwonjezera ↑ nthawi.

Chifukwa 2. Kusagwirizana ndi zofunikira za omwe amapereka ngongole

Banki imapereka zofunikira zina kwa obwereka:

• zaka - kawirikawiri kuchokera 21 kale 65 zaka;
• Nzika zaku Russia;
• kulembetsa kwamuyaya pamalo pomwe pali ngongole;
• kuvomerezeka kwa zikalata, kutsimikizira kuti ndi ndani.

Ngati chinthu chimodzi sichikwaniritsidwa, banki ikana kupereka ngongole.

Chifukwa 3. Mbiri yoyipa ya ngongole

Kulipira kwakanthawi pamwezi, komanso kukana kwathunthu kubweza ngongole, zikuwonetsedwa mu mbiri yakale ya ngongole.

Pafupifupi mabanki onse amayang'ana mbiri ya ngongole ya omwe angabwereke. Koma bungwe lililonse la ngongole lili ndi njira zake zokanira. Wina amakana ngakhale pang'ono, wina pokhapokha atachimwa kwambiri. Werengani za mabanki ati omwe samawona mbiri ya ngongole ya makasitomala awo munkhani ina.

Omwe adakwanitsa kuwononga mbiri yawo yangongole sayenera kutaya mtima. Tiyenera kukonza mbiri. Kuti muchite izi, ndikofunikira kutenga ngongole pangongole pang'ono ndikubweza panthawi.

Nthawi zina, muyenera kuchita izi kangapo. Zotsatira zake zidzakhala zolowera zabwino mu maofesi a ngongole, zomwe ziwonjezere mwayi wosankha moyenera pempho lagalimoto.

Chifukwa 4. Kusapezeka koyambirira kwa chikalata chilichonse

Nthawi zina, wobwereka samapereka zikalata zoyambirira. Nthawi zambiri, banki imawona kuyang'anira koteroko m'malo mokomera kasitomala.

Pakhoza kukhala kukayikira kuti wobwereka yemwe akufuna kubisala kena kake kuchokera kwa akatswiri obwereketsa. Poterepa, chigamulo cholakwika chidzaperekedwa pempho.

Chifukwa 5. Wopemphayo ali ndi mbiri yoti anapalamula mlandu

Mabungwe angongole akuyesera m'njira iliyonse kukulitsa mwayi wobweza ndalama zomwe adabwereka. Chifukwa chake, amayesetsa kuti asapereke ndalama kwa iwo omwe ali ndi mbiri yokhudza milandu.

Kuti izi zitheke, aliyense wofunsayo amafufuzidwa Chitetezo... Kuti mudziwe zambiri zikufunsidwa pakukhazikitsa malamulo kapena akutsimikiza zakusapezeka kwa nzika mumndandanda wathu wakuda.

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Podziwa zifukwa zazikulu zakuti banki ikana kufunsira ngongole yagalimoto, wobwereka aliyense azitha kusintha momwe mabanki amakhalira. Izi zithandizira kukulitsa mwayi wa ↑ zabwino mayankho.

6. Zoyenera kuchita ngati pempho la ngongole yagalimoto lakanidwa - maupangiri 4 othandiza ochokera kwa akatswiri 💎

Ambiri obwereketsa, atakana pempho la ngongole yagalimoto, amasiya. Koma simuyenera kutaya mtima.

Pali mwayi wina wobwereketsa galimoto. Ndikokwanira kutsatira malangizo a akatswiri.

Tip: Patsani banki kuti ipereke chikole chowonjezera

Pomwe banki imawona kuti solvency ya wopemphayo ndiyosakwanira, kasitomala yemwe angakhalepo atha kupereka kampaniyo chitetezo chowonjezera.

Pachifukwa ichi, mutha kukopa chitsimikizo kapena wobwereka mwina perekani zina zowonjezera.

Langizo 2. Tsekani ngongole zomwe zilipo kale

Ngati, mukalandira ngongole yatsopano, kuchuluka kwa zolipira pamwezi, poganizira ngongole zomwe zilipo kale, zidzapitirira 40% ndalama, ndiyofunika kuda nkhawa pasadakhale zakubweza ngongole.

Izi ziziwonjezera kuchuluka kwa solvency, chifukwa chake mwayi wosankha bwino pempho.

Langizo 3. Malizitsani zofunikira zonse kubanki

Ngati kukana kunatsatiridwa chifukwa chakuti sizinthu zonse zakubanki zomwe zakwaniritsidwa, muyenera kuyesa kukonza vutoli.

Pachifukwa ichi, mutha kupereka zikusowa zikalata ndipo cholozera.

Langizo 4. Ikani ku mabanki ena

Mabanki amapikisana wina ndi mnzake, pakulimbana kwa makasitomala, ambiri aiwo amachepetsa zofunikira kwa makasitomala.

Chifukwa chake, mutalandila kukana kubungwe limodzi la ngongole, ndikofunikira kuyesa kulumikizana ndi ena. Ndizotheka kuti pakhala yankho zabwino.

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Chifukwa chake, ngakhale pempho la ngongole yagalimoto likakanidwa musataye mtima - pambuyo pake, ambiri amatha kupeza ndalama zomwe akufuna.

Mwa njira, mutha kusunga nthawi potumiza mafunso ku mabanki angapo nthawi imodzi. Lero alipo ntchito zapaderazomwe zimakulolani kutumiza fomu yofunsira ku mabungwe angapo obwereketsa ndalama nthawi imodzi.

7. Mafunso Ofunsidwa Kawirikawiri (FAQ) 📃

Pakufunsira ngongole yagalimoto, omwe angabwereke ndalama nthawi zambiri amakhala ndi mafunso. Pachikhalidwe, kuti tisunge nthawi yanu, timayankha omwe amapezeka nthawi zambiri.

Funso 1. Ndi magawo ati omwe amakhudza kuwerengera mtengo wa ngongole yagalimoto?

Obwereketsa oyenerera akuyesera kudziwa magawo akulu a ngongole yagalimoto panobe PAMBUYO kulembetsa ntchito. Koma zingakhale zovuta kupanga kuwerengera kofunikira nokha. Bwino komanso mwachangu kuti muchite nawo ma calculator apadera a ngongoleyodziwika bwino pa intaneti.

Kuchuluka kwa zolipira pamwezi kumakhudzidwa ndi zinthu zambiri. Wogwiritsa ntchito amawalowa yekha m'minda yoyenera ya chowerengera ngongole.

Powerengera ngongole yamagalimoto pogwiritsa ntchito makina ochezera pa intaneti, ndikofunikira kuganizira magawo otsatirawa:

1. Mtundu wa galimoto yogulidwa, mtundu ndipo chitsanzo... Komanso, gawo lalikulu paziwongola dzanja zake zili nazo chaka chosindikiza galimoto - imagulidwa yatsopano kapena yogwiritsidwa ntchito.
2. Mtengo wamagalimoto.
3. Ngongole.
4. Kuchuluka kwa zolipira kumatsimikiziridwa ndi momwe angongole, komanso kuthekera kwa wobwereka. Kawirikawiri chizindikiro ichi chimasiyanasiyana kuchokera 10 kale 50 peresenti... Mapulogalamu ena sangakhale ndi chindapusa.

Zofunika! Nthawi zambiri, ndalama zomwe wobwereka asanabweze ngongole zimakhudza kwambiri chiwongola dzanja. Kutsika komwe kumalipira ndalama zocheperako, kumachepetsanso chiwongola dzanja chambiri pa ngongole yomwe mwalandira.

Akatswiri amalangiza lowetsani magawo azomwe akudziwika m'minda ya calculator. Pambuyo pake, mutha kusintha kukula kwa kulipira koyambirira, posankha mulingo woyenera kwambiri wolipira pamwezi. Njira iyi ithandizira kwambiri kuchepetsa↓ kuchuluka kwa zolipira kwambiri ndipo nthawi yomweyo musunge ndalama zomwe zilipo.

Ma calculator osavuta obwereketsa magalimoto amangoganizira magawo omwe ali pamwambapa. Komabe, nthawi zambiri sikokwanira.

Mapulogalamu amakono obwereketsa magalimoto amafuna njira yowerengera bwino, popeza zizindikilo zambiri zimakhudza zotsatira zake.

Pofuna kuwongolera kulondola kwa mfundo zomwe zapezeka, ndikofunikira kulingalira njira zina zamapulogalamu obwereketsa magalimoto:

• kupezeka kwa inshuwaransi ya moyo, magwiridwe antchito ndi inshuwaransi yazaumoyo wa wobwereka;
• chofunikira kutulutsa mfundo za CASCO.

Tiyenera kukumbukira kuti banki itha kupereka wobwereka kuti alipire ndalama za inshuwaransi Kuchokera kwa ndalama zanu kapena ngongole.

Kachiwiri, kuchuluka kwa ngongole kumawonjezeka. Izi zimatsogolera kuti kukulaZizindikiro zazikulu - ngongole yayikulu, ndi kulipira mwezi uliwonse... Mwachilengedwe, pomwe mtengo wamalamulo umaphatikizidwa pamalipiro a ngongole kuchuluka kwa zolipira kwambiri kuonjezera ↑.

Chofunikira pakusankha njira yowerengera ngongole yagalimoto ndi njira yobwezera.

Pali njira ziwiri zobwezera ngongole:

Njira 1. Malipiro a pachakazomwe sizimasintha nthawi yonse yakukhwima;

Njira 2. Malipiro osiyana pang'onopang'ono kuchepa ↓ panthawi yamgwirizano wamgalimoto yobwereketsa.

Musaiwale za gawo lina lofunikira lomwe limakhudza kuchuluka kwa zolipira. Mwachizolowezi zimaphatikizapo mabungwe osiyanasiyana obwereketsa.

Mabungwe akhoza kukhala amitundu iwiri:

1. chimodzi - zolipira pakuwunika ntchito, kutsegula akaunti, kulembetsa ndikupereka ngongole;
2. mwezi uliwonse - chindapusa chosungitsa akaunti yotsegulidwa yolipira ngongole, zidziwitso za SMS, ndalama ndi zina.

Funso 2. Kodi ndi zikalata ziti zomwe zikufunika kuti mupemphe ngongole yagalimoto?

Poganizira momwe angagwiritsire ntchito wobwereka, akatswiri aku banki amafufuza zambiri za iye kuti amudziwe mulingo kudalilika ndipo Kusintha.

Mukamapanga mapepala ofunsira ngongole yagalimoto, muyenera kusanthula mndandanda wawo zenizeni ngongole ngongole.

Kwa mabanki osiyanasiyana, mapangidwe amtundu wamapepala amasiyana kwambiri wina ndi mnzake. Obwereketsa ena amakhala ndi zofunikira zambiri kwa omwe adabwereka, pomwe kwa ena zikalata zochepa ndizokwanira kuti atolere zofunikira za kasitomala yemwe angakhalepo.

Ndikofunika kudziwa! Imodzi mwazofunikira kwambiri zodziwitsa kuphatikizidwa kwa phukusili ndi zovomerezeka za wobwereka mtsogolo... Ndizachilengedwe kuti for thupi ndipo malamulo anthu mndandanda wawo ndiwosiyana.

Mabungwe ena angongole amapereka nzika kuti zibwereke ngongole yamagalimoto pogwiritsa ntchito zikalata ziwiri zokha:

Lembani 1. Chachikulu - pasipoti;

Lembani 2. Kusankhidwa pamndandanda woperekedwa ndi banki. Nthawi zambiri zimaphatikizapo pasipoti yapadziko lonse lapansi, layisensi ya dalayivala, Satifiketi SNILS ndi zikalata zina.

Obwereketsa akuyenera kumvetsetsa kuti zikalata zosachepera pachikhalidwe zimaphatikizidwa ndi chiwongola dzanja chowonjezeka pakubweza galimoto.

Pazinthu zomwe mungachite kuti mupeze ngongole yoti mugule ndi anthu, mndandanda wazolemba uzikhala motere:

• mawu kupeza ngongole yagalimoto;
• pasipoti;
• buku la ntchito, wotsimikizika ndi wolemba ntchito, ndikudziwitsa kuti amene angabwereke ndalama akadali wogwira ntchito pakampaniyo;
• satifiketi ya malipiro 2-NDFL kapena ngati banki;
• layisensi ya dalayivala;
• ID yankhondo kwa achinyamata.

Amalonda payekha amapereka zikalata izi ku bungwe la ngongole:

1. chiphaso (pasipoti, layisensi yoyendetsa, chiphaso chankhondo);
2. kulengeza ndalama;
3. satifiketi yolembetsa ngati wabizinesi payekha;
4. satifiketi yolembetsa ndi oyang'anira misonkho.

M'malo mwa bungwe, eni ake (oyambitsa) ali ndi ufulu wofunsira ngongole yagalimoto. Ayeneranso kupereka:

• kopi yamalamulo;
• zolemba zina pakukhazikitsidwa ndi kulembetsa kampani;
• kope la msonkho.

Zikalata zonse zomwe zimaperekedwa ku banki ziyenera kukhala zovomerezeka.

Funso 3. Kodi mungachepetse bwanji chiwongola dzanja mukamafunsira ngongole yagalimoto?

Sikuti aliyense amadziwa kuti pali njira zenizeni zochepetsera mitengo pangongole yagalimoto. Simuyenera kukayikira za nkhaniyi, chifukwa ngakhale kuchepa kwachidwi kwachidwi kumatha kuchepetsa kwambiri kubweza.

M'munsimu muli Malangizo 4 a akatswiriizi zithandizira kuchepa.

Malangizo 1. Lemberani CASCO

Zomwe ngongole zagalimoto zamagalimoto m'mabanki ambiri zimatsimikizira kuti kupereka kwa inshuwaransi ya CASCO ndi kodzifunira. Nthawi yomweyo, kusafuna kugula kungayambitse chiwongola dzanja.

Mwachilengedwe, ndalamayi iperekedwa. choncho zofunika fufuzani mosamalitsa za kulipidwa kwakukulu pa nkhani ya CASCO ndipo popanda izo. Muyenera kusankha njira yotsika mtengo.

Malangizo 2. Onani zotsatsa ndi zotsatsa

Nthawi ndi nthawi, mabanki amapanga zotsatsa zosiyanasiyana zosiyanasiyana kuti akope makasitomala. Atha kukhala ndi mitengo yotsika, mawu osangalatsa ndi maubwino ena.

Malangizo 3. Gwiritsani ntchito zina zowonjezera

Zowonjezera zotetezera - zotsimikizika, chikole ndipo ena amalola kuti banki ichepetse kwambiri ↓ zoopsa zomwe zimabwera pobwereketsa ndalama.

Ndikoyenera kulingalira! Kutsika kwa mwayi wobwereketsa osabwezera ndalamazo, kumachepetsa chiwongola dzanja chomwe banki idzabweretse pa ngongole.

Mabungwe ena obwereketsa ndalama amapereka ndalama motsutsana ndi chitetezo cha galimoto yomwe ilipo. Tinalemba za momwe mungapezere ngongole yotetezedwa ndi galimoto munkhani yathu yapita.

Malangizo 4. Perekani ndalama zambiri momwe mungathere polipira

Ndikofunikira kusankha galimoto yogulira pangongole, mtengo womwe ungakuthandizeni kuti mulipire ndalama zambiri.

Musaiwale! Mlingowo umadalira kuchuluka kwa ndalama zomwe zimasamutsidwa kuti alipire galimotoyo asanalandire ngongoleyo. Kawirikawiri osachepera peresenti mabanki awululidwa ndi kulipira koyamba pafupifupi 50% ya mtengo wagalimoto.

Chifukwa chake, ndizotheka kuchepetsa kulipira kwakukulu kwa ngongole yagalimoto. Chinthu chachikulu ndikuphunzira mosamala upangiri wa akatswiri momwe angachitire izi.

Masiku ano ndizotheka kukhala ndi galimoto, ngakhale palibe ndalama yogulira. Ndikokwanira kupeza ngongole yagalimoto. Mukamalemba fomu yofunsira ngongole yotereyi pa intaneti, sizitenga nthawi komanso khama.

Pomaliza, timalimbikitsa kuwonera kanema pazomwe mukufuna kuti mupeze ngongole yagalimoto:

Funso kwa owerenga!

Ndi njira ziti zomwe mungagule pogula zomwe zili bwino - kugula galimoto ndalama, kupeza ngongole yobwereka galimoto kapena kufunsa kubwereketsa galimoto?

Ndizo zonse kwa ife. Gulu la magazini "RichPro.ru" likukufunirani zabwino zogulira ndi ngongole zopindulitsa zamagalimoto!

Tikuyembekezera mayankho a mafunso, ndemanga, mayankho ndi ndemanga pamutu wankhaniyi. Voterani ndikugawana pazanema. Mpaka nthawi yotsatira!

Onerani kanemayo: ר יואל ראטה - כהאב נישט קיין געדולד - ה נח תשפ - R Yoel Roth (July 2024).