Kodi muyenera kugula galimoto ngongole? Kodi zabwino ndi zoyipa za ngongole zamagalimoto ndi ziti?
Moni, chifukwa chakusowa malo oyenera ogwirira ntchito, ndidapeza ntchito ngati "driver taxi". Kampani yamatekisi imayenera kulipira ndalama pagalimoto mwezi uliwonse. Ndimaganiza zogula galimoto pangongole. Tiuzeni za zabwino ndi zoyipa za ngongole ya galimoto komanso ngati kuli koyenera kugula galimoto pangongole ngati izi. Mosadziwika.
Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!
Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:
| Udindo | Yerekezerani | Nyamula nthawi | Zolemba malire kuchuluka | Osachepera kuchuluka | Zaka malire | Madeti omwe angakhalepo |
|---|---|---|---|---|---|---|
| 1 | Zogulitsa | 3 min. | RUB 30,000 Onani! | RUB 100 | 18-65 | Masiku 7-21 |
| 2 | Zogulitsa | 3 min. | RUB 70,000 Onani! | RUB 2,000 | 21-70 | Masiku 10-168 |
| 3 | 1 min. | RUB 80,000 Onani! | RUB 1,500 | 18-75 | Masiku 5-126. | |
| 4 | Zogulitsa | Mphindi 4 | RUB 30,000 Onani! | RUB 2,000 | 18-75 | Masiku 7-30 |
| 5 | Zogulitsa | - | RUB 70,000 Onani! | RUB 4,000 | 18-65 | Masiku 24-140. |
| 6 | Mphindi 5. | RUB 15,000 Onani! | RUB 2,000 | 20-65 | Masiku 5-30 |
Tsopano tibwerere kumutu wankhani yathu ndikupitiliza.
Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:
| Udindo | Yerekezerani | Nyamula nthawi | Zolemba malire kuchuluka | Osachepera kuchuluka | Zaka malire | Madeti omwe angakhalepo |
|---|---|---|---|---|---|---|
| 1 | 3 min. | RUB 30,000 Onani! | RUB 100 | 18-65 | Masiku 7-21 | |
| 2 | 3 min. | RUB 70,000 Onani! | RUB 2,000 | 21-70 | Masiku 10-168 | |
| 3 | 1 min. | RUB 80,000 Onani! | RUB 1,500 | 18-75 | Masiku 5-126. | |
| 4 | Mphindi 4 | RUB 30,000 Onani! | RUB 2,000 | 18-75 | Masiku 7-30 | |
| 5 | Mphindi 5. | RUB 15,000 Onani! | RUB 2,000 | 20-65 | Masiku 5-30 |
Tsopano tibwerere kumutu wankhani yathu ndikupitiliza.
Moni, ngongole zagalimoto ndimotchuka kwambiri kubanki. Malinga ndi mabungwe owunikira, kuposa 40% yamagalimoto onse omwe adagulidwa chaka chatha adagulidwa pangongole. Kuphatikiza apo, kugula koteroko akuti kukuwonjezeka.
Tikukulimbikitsani kuti tiwerenge zolemba zathu pamutuwu - "Momwe mungatengere galimoto pangongole, kodi ndizotheka kukonza ngongole yagalimoto yagwiritsidwe ntchito komanso yatsopano popanda kulipira, CASCO, ziphaso, ndi CI yoyipa".
Tiyeni tiwunikire bwino zaubwino ndi zovuta za ngongole yotereyi.
1. Ubwino waukulu pakubweza ngongole yamagalimoto
Mabanki akumenyanirana kuti apereke zikhalidwe zabwino kwambiri, kutsatsa zabwino zonse ndi zabwino zake pogula galimoto pangongole. Zosokoneza mendulo zimawoneka zokongola kwambiri.
Chifukwa chake, maubwino olandila ngongole yamagalimoto ndi awa:
- Kugula mwachangu ngakhale osasunga... Galimoto imagulidwa munthawi yochepa kwambiri, koma muyenera kulipira pang'onopang'ono. Izi zimakankhira anthu kugula, omwe amafunikira nthawi yayitali kuti apeze ndalama zofanana ndi mtengo wagalimoto. Chifukwa chake ndichofunikira kwa iwo omwe agula galimoto yantchito, galimoto itha kugwiritsidwa ntchito tsopano ndikulipira pambuyo pake.
- Ngongole zimakhalira bwino... Chiwongola dzanja chimatsika kwambiri poyerekeza ndi zina zambiri zobwereketsa ngongole. M'munsimu muli mitengo yanyumba yokhayo.
- Kuphweka kwa kukonza ngongole... Phukusi la zikalata zofunsira ngongole ndilochepa. Ngongole yokha imapezeka kwa nzika zonse zokhoza kukhala ndi ndalama zokhazikika, zotsimikizika. Ndikofunikanso kuti mabanki ambiri azigwirizana ndi ogulitsa magalimoto ndipo mutha kuyitanitsa ngongole nthawi yomweyo ndikusankha galimoto yomwe mumakonda. Palinso njira zofunsira ngongole yamagalimoto paintaneti, chifukwa cha izi muyenera kupereka fomu ndikupeza chilolezo kubanki. Tinalemba momwe tingazipezere komanso komwe tingalembetsere ngongole yamagalimoto pa intaneti munkhani ina.
- Kulipira ngongole... Nthawi ndi nthawi yobwereketsa imasankhidwa payekha komanso pafupifupi chaka chimodzi mpaka zisanu. Kutalika kwa ngongole, kumachepetsa zolipira pamwezi. Kwa nzika zomwe zimalandira ndalama zochepa, izi ndizofunikira kwambiri.
- Magalimoto ogulidwa ngongole ayenera kukhala ndi inshuwaransi ya CASCO... Inshuwaransi imaperekedwa munthawi yomweyo ndikugula ndipo imaphatikizidwa pamtengo wobwereketsa, ndizabwino. Inshuwaransi imaperekedwa mokomera banki ndipo ngati chochitika cha inshuwaransi chikuchitika (kukakamiza majeure ndichinthu chofala), ndiye kuti ngongoleyo iperekedwa ku banki ndalama za kampani ya inshuwaransi. Kodi CASCO inshuwaransi ndi chiyani komanso momwe mungawerengere mtengo wake, mutha kuwerenga nkhaniyi kulumikizano.
- Thandizo laboma pakubweza ngongole yamagalimoto... Pochirikiza opanga magalimoto apakhomo, boma likukhazikitsa mapulogalamu angapo omwe amapangitsa kuti ngongole zagalimoto zizikhala zotsika mtengo kwa anthu. Amakhala ndi chiwongola dzanja chocheperako, kapena kulipiritsa gawo la mtengo wamagalimoto. Mutha kugwiritsa ntchito maubwino ake pogula galimoto yatsopano ndikukwaniritsa zochitika zingapo. Boma lakhazikitsa mapulogalamu angapo otere. Mwachitsanzo, mabanja omwe ali ndi ana awiri kapena kupitilira apo - "Family car", yamagalimoto omwe agula galimoto koyamba - "Galimoto yoyamba". Timalimbikitsanso kuti tiwerenge zofalitsa zathu zokhudzana ndi ngongole zokweza magalimoto mothandizidwa ndi boma.
Kudziwika kwa ngongole zomwe zikulimbikitsidwa pogula galimoto kumalankhula zokha zakupezeka kwaubwino wodziwikiratu waubwereketsowu. Koma kodi ndizosatsutsika?
2. Zoyipa zazikulu pakubweza galimoto
Nthawi zambiri zovuta za ngongole yamagalimoto zimawonekera pangano likasainidwa. Kuti chisangalalo chogula galimoto chisaphimbidwe, ndikofunikira kudziwa zoopsa zomwe zingachitike pasadakhale.
Chifukwa chake, zovuta za ngongole zamagalimoto ndi izi:
- Choyamba ndi kuwonjezeka kwakukulu pamtengo wamagalimoto... Kubweza ngongole zambiri mkati mwa zaka 5 zitha kukhala pafupifupi 50% ya mtengo wapachiyambi. Kuphatikiza apo, inshuwaransi ya CASCO yokakamiza imakulitsa kuchuluka kwa zolipira mopitilira muyeso. Ndipo galimotoyo itayika pamtengo pakapita nthawi, ngakhale ola limodzi mutagula, mtengo wake umatsika ndi 10%.
- Ngati ndalama zatha kapena mavuto ena azachuma, alipo chiopsezo chobedwa ngongole... Pali kuthekera kotaya zonse ziwiri za galimoto komanso gawo lomwe ndalamazo zalandilidwa kale, popeza galimotoyo imakhalabe ya banki mpaka ngongole yonse itamalipiridwa.
- Kulephera kugulitsa galimoto isanakwane komaliza ndi banki... Ngakhale banki ikalola kugulitsa, ndalama zomwe zimaperekedwa mgalimotoyo zimakhala zotsika kwambiri kuposa ndalama zomwe zawonongedwa.
- Kulemera kwa bajeti kumawonjezeka kwambiri... Si onse omwe amakhala ndi magalimoto mtsogolo omwe amaganizira za kusamalira galimoto popempha ngongole. Nthawi zina kusowa kwa ndalama kumabwera modzidzimutsa.
- CASCO inshuwaransi yamakina angongole imatha kukhala yokwera mtengo kwambirikuposa magalimoto ogulidwa ndi ndalama zathu. Nthawi zambiri kampani ya inshuwaransi imasankhidwa ndi banki. Ndipo wogula amalandidwa mwayi wosankha kampani ya inshuwaransi yomwe ili ndizabwino.
- Si onse omwe akufuna kugula omwe ali ofanana ndi banki... Kawirikawiri, ngongole imakanidwa kwa ophunzira, opuma pantchito, omwe alibe zikalata zotsimikizira ndalama zawo, omwe agwira ntchito yochepera miyezi isanu ndi umodzi. Ngongole ikavomerezedwa, ndiye kuti zofunika zake ndizovuta kwambiri. Apa tikukulangizani kuti muwerenge nkhaniyi - "Momwe mungapezere ngongole popanda ziphaso ndi ma guarantor popanda kukana"
- Kuchuluka kwa chiwongola dzanja mukamagula galimoto popanda kubweza, mukamapempha ngongole yanthawi yayitali, mfundo zomwe mabanki amakhala nazo nthawi zonse.
Monga mukuwonera, sizinthu zonse zobwereketsa magalimoto zomwe zili zabwino monga zimawonekera koyambirira. Mbali yakumbuyo kwa menduloyo imatayika kwambiri kutsogolo.
3. Kutsiliza
Kugula galimoto pangongole kapena ayi? Aliyense ayenera kuyankha funsoli mosadalira. Kuyeza zabwino ndi zoyipa zake, kuwunika kuwopsa kwake komanso kufunika kogula mwachangu galimoto. Mwina mlandu wokhawo ngati ngongole ya galimoto ili yoyenera ndi kugula galimoto yantchito kapena bizinesi. Sizinali zachabe kuti chinthu chabanki ngati kubwereketsa chidapangidwa. Ochita bizinesi ambiri opambana amagwiritsa ntchito kubwereketsa magalimoto, kulembetsa anthu onse ndi mabungwe azovomerezeka.
Zofunika! Ngati kugula galimoto kumatha kubweza ngongole yonse ndikupanga ndalama, ndiye kuti kugula kuyenera kukhala koyenera. Nthawi zina zonse, ndibwino kukana ngongole!
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