Momwe mungapezere ngongole yotetezedwa ndi galimoto - magawo asanu opezera ngongole yotetezedwa ndi galimoto + mabanki TOP-3 okhala ndi ngongole zopindulitsa

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Moni okondedwa owerenga Maganizo a Moyo! Munkhaniyi, tikukuwuzani momwe mungatengere ngongole yotetezedwa ndi galimoto (galimoto) ndi komwe mungapeze ngongole yotetezedwa ndi galimoto ndalama popanda umboni wa ndalama.

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

Kuchokera patsamba lino muphunzira:

Kodi mikhalidwe ingakhale yotani kuti mupereke ngongole yotetezedwa ndi galimoto, komanso zofunikira kwa omwe angabwereke;
Zomwe mungachite kuti mutenge ngongole yotetezedwa ndi galimoto;
Kodi ndingapeze kuti ngongole yandalama yotetezedwa ndi galimoto.

Gawo lomaliza la nkhaniyi, mupeza mayankho amafunso omwe amafunsidwa kawirikawiri.

Ndikofunikira kuti mufufuze mosamala buku la lero kwa iwo omwe ali ndi galimoto ndipo akusowa ndalama, koma sakufuna kusiyana ndi galimoto yomwe ilipo kale. Ngati mukufuna ngongole yotetezedwa ndi galimoto, musataye nthawi, yambani kuwerenga nkhaniyi pompano!

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 tiyeni tibwerere kumutu wankhani yathuyi ndikupitiliza.

Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:

Udindo	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 tiyeni tibwerere kumutu wankhani yathuyi ndikupitiliza.

Zimakhala bwanji komanso komwe kumakhala kopindulitsa kutenga ngongole (ngongole) yotetezedwa ndi galimoto - werengani m'nkhaniyi!

1. Ndi pazochitika ziti pomwe ngongole yotetezedwa ndi galimoto ingakhale yothandiza? 📑

Nthawi zomwe ndalama zimafunikira mwachangu ndizodziwika kwa aliyense. Zifukwa zomwe zimabweretsa kufunikira kwa ndalama zowonjezera zitha kukhala zosiyana. Koma nthawi zambiri pamakhala njira imodzi yokha - pezani ndalama pangongole kuchokera kubungwe la ngongole... Nthawi zina, monga chitsimikiziro chokhazikika, mabanki amafunikira chikole cha katundu, monga galimoto.

Wobwereka ayenera kumvetsetsa ngongole zotetezedwa ndizowopsa kuposa ngongole za ogula.

Kuopsa kwa ngongole yamtunduwu kumalumikizidwa ndi kuthekera kotaya galimoto ngati wobwerekayo ali ndi vuto lolipira. Komabe, pali zochitika zingapo pomwe ngongole yokhazikitsidwa ndi galimoto yokha ndi yomwe ingathandize.

Mkhalidwe 1. Kuperewera kwa ntchito

M'dziko lathu lino, pali nzika zambiri zomwe zalembedwa ntchito mosagwirizana kapena zimalandira gawo la malipiro awo "mu emvulopu".

Mwachilengedwe, wobwereketsa sangathe kupereka wobwereketsa satifiketi 2-NDFL ndi ndalama zambiri, ndipo buku la ntchito, zomwe zimafunikira kutsimikizira ntchito yovomerezeka. Zikatero, chikole chimatha kukhala chitsimikiziro chowonjezera cha solvency.

Mkhalidwe 2. Kupezeka kwa ngongole pangongole m'mabungwe ena obwereketsa

Poyesa solvency, mabanki amawerengera kuthekera kopereka ngongole kwa nzika m'njira zosiyanasiyana.

Zofunika! Nthawi zambiri malinga ndi malamulo a wobwereketsayo zolipira pazokakamiza siziyenera kupitilira 1/3 ya ndalama zomwe adalandira.

Poterepa, kupezeka kwa ngongole zosatetezedwa kumatha kukhala cholepheretsa ngongole yatsopano. Mwa kupereka galimoto ngati chikole, wobwereka atha kukulitsa mwayi wovomerezedwa ndi pempholi.

Mkhalidwe 3. Mbiri yoyipa ya ngongole

Ngati m'mbuyomu wobwereka adachedwetsa, zomwe zimawoneka mu mbiri yake ya ngongole, pezani ngongole yopanda chitetezo ku banki ndizosatheka. Komabe, mutha kuyesa mwayi wanu ndi ngongole zotetezedwa ndi makina.

Ngati, ngakhale akuyesetsa,kubanki simudzatha kubwereka ndalama, mutha kuyesa mu MFIs kapena malo ogulitsira magalimoto... Nthawi zina amathanso kuthandizira osinthitsa ngongole.

Komabe, muyenera kusamala ndi mabungwe onse omwe simabanki. Pali achinyengo ambiri pantchito yobwereketsa.

Tinalemba kale za momwe mungapezere ngongole ndi mbiri yoyipa ya ngongole ndi zigawenga zotseguka m'mabuku athu.

Mkhalidwe 4. Ndalama zimafunikira mwachangu

Ngongole yotetezedwa ndi galimoto itha kugwiritsidwa ntchito ngakhale ndalama zikafunika mwachangu kwambiri. Muzochitika ngati izi palibe nthawi Kukonzekera phukusi lalikulu la zikalata, kuphatikiza satifiketi zosiyanasiyana, komanso kufunafuna ma guarantors.

Ndikupezeka kwa chikole, njira zopezera ngongole zimakhala zosavuta. Mabanki amapereka ndalama pangongole zoterezi nthawi 1-2 masiku... Mu MFOs ndi pawnshops, njirayi imatenga maola ochepa, ndipo nthawi zina pafupifupi theka la ora... Mndandanda wa ma MFO omwe amatulutsa ngongole zazing'ono pa intaneti mwachangu komanso nthawi yayitali ku Russia, tapereka m'nkhani yapadera.

Zomwe zafotokozedwazi zimapangitsa kuti pakhale kufunika koti mutulutse ngongole yotetezedwa ndi galimoto (galimoto). Nthawi zina, ndikofunikira kulingalira zakotheka kupeza ngongole popanda chikole - ngongole za ogula ndi makhadi.

2. Migwirizano yoperekera ngongole yotetezedwa ndi galimoto + zofunika kwa obwereka 📃

Malinga ndi ziwerengero, pafupifupi theka la zopempha za ngongole zimakanidwa. Nthawi zina makasitomala amafunsidwa kuti apereke zowonjezera zowonjezera. Banki iyenera kutsimikiza kuti ndalamazo zibwezeredwa kwa iyo limodzi ndi chiwongola dzanja chomwe chapeza.

Njira imodzi yotsimikizirira solvency ndikulonjeza katundu, monga galimoto. Komabe, wobwereka ayenera kuganizira kuti sizigwira ntchito kuti mupeze ndalama zonse.

Wobwereketsa, kuti adziteteze momwe angathere, amatenga ngongole kuchuluka kwake 50-75% mtengo wamagalimoto woyikidwa ndi wowunikira. Chifukwa chake, ndibwino kuti kasitomala azilipira ngongoleyo panthawi yake kuposa kutaya galimoto chifukwa chindalama zochepa.

Zina mwamaubwino obwerekedwa ndi galimoto ndi awa:

Njira zosavuta zolembetsa - palibe chifukwa chosonkhanitsira masatifiketi owonjezera, yang'anani othandizira;
mlingo odulidwa poyerekeza ndi ngongole zachikhalidwe ndi ochepa peresenti;
wonjezerani nthawi yobweza ngongole zonse kumatanthauza kuchepa kwa ndalama zomwe zimaperekedwa mwezi uliwonse, zomwe zimachepetsa zolemetsa pabanja;
galimoto ndi ya wobwereka, ali ndi ufulu wogwiritsa ntchito.

Mukabwereka ngongole pagalimoto, wobwereketsayo amasunga PTS kuti isungidwe. Nthawi zina zimafunikiranso kulumikiza makiyi obwereza pachikalatacho. Kuphatikiza pa mgwirizano wa ngongole, ngongole zoterezi zimafuna kuwonjezeranso kwina pangano lonjezo.

Obwereka omwe amasankha ngongole yomwe yatetezedwa ndi galimoto ali ndi nkhawa kuti chiwopsezo chotaya galimoto ndi chachikulu bwanji.

Musaope: ngati mgwirizanowu udachitidwa popanda kuphwanya, udawunikidwa mosamala usanasaine, ndipo zolipira zimaperekedwa munthawi yake komanso kwathunthu, palibe chiopsezo chotaya galimotoyo.

Kuphatikiza apo, mukalembetsa ngongole kubanki, mutha kutaya galimoto yanu kokha Ndi chisankho cha khotilo. Koma palibe banki yomwe imafunsira izi atangochedwa kumene. Ngati mukukumana ndi mavuto azachuma, mutha kukambirana ndi banki.

Nthawi zambiri mabanki amapatsa obwereka ufulu wogwiritsa ntchito:

maholide a ngongole, kuyimira kubweza kwakanthawi kwa miyezi ingapo;
kukonzanso, momwe, powonjezera nthawi yobwereketsa, kuchuluka kwa zolipira pamwezi kumatsitsidwa.

Mutha kutenga ndalama pachitetezo cha galimoto osati ku banki kokha. Ntchito zofananazi zimaperekedwanso ndi ma MFIs ndi malo ogulitsira magalimoto. Makampaniwa ndi okhulupirika kwambiri kwa wobwereka komanso chikole. Komabe, kupeza ngongole pano, muyenera kumvetsetsa kuti mlingowo udzakhala wapamwamba kwambiri kuposa ku banki.

Masitolo obwereka nthawi zambiri saloledwa kugwiritsa ntchito galimoto. Galimotoyi imayikidwa pamalo oyimikapo magalimoto mpaka ngongole yonse itabwezedwa. Zotsatira zake, ↑ kutayika kwa kutayika galimoto ya wobwereka.

Pali chiwerengero chachikulu cha zachinyengo, makamaka pankhani yobwereketsa. Amakopa makasitomala powapatsa ngongole zabwino kwambiri. Komabe, ndondomeko za ngongole, komanso mgwirizano wokha, ndizovuta kwambiri kotero kuti pali chiopsezo chotaya osati ndalama zokha, komanso galimoto.

Pali njira imodzi yotsimikiziridwa yomwe imachepetsa chiopsezo chokumana ndi ochita zachinyengo. Musanayambe mgwirizano ndi mabungwe omwe siabanki, ndibwino kuti muwone ngati ali ovomerezeka pa tsamba la msonkho kapena mothandizidwa ndi maloya akatswiri.

Kungakhale kovuta kupeza ngongole kubanki yotetezedwa ndi galimoto. Izi ndichifukwa choti, kuwonjezera apo, pakuwonjezera zofunikira pamfundo yolonjeza.

Kuti avomerezedwe ngongole, galimoto iyenera kukwaniritsa izi:

kugwiranso ntchito;
umwini wa wobwereka;
kupezeka kwa mfundo za CASCO;
pamagalimoto opangidwa ndi anthu akunja, chilolezo chololeza kasitomu chikuyenera kuchitidwa malinga ndi lamulo ladziko;
palibe cholepheretsa kapena kulanda.

Kuphatikiza apo, banki iliyonse imapanga zofunikira zake zaka, masitampu ndipo mtunda galimoto. Mosiyana ndi mabanki, malo ogulitsira malonda ndi ma MFIs amavomereza pafupifupi galimoto iliyonse ngati chobisalira. Koma nthawi yomweyo, amatha kuwunika m'njira zosiyanasiyana.

Kuphatikiza pa zofunikira pagalimoto, mabanki amakhalanso ndi mawonekedwe a obwereka, omwe amafunsidwa aliyense wofunsira.

Nthawi zambiri zofunika kwa wobwereka zimakhala izi:

Nzika zaku Russia;
zaka zosachepera - 21 chaka, pazipita - 65 zaka (nthawi zina zochulukirapo);
ntchito yovomerezeka;
kulembetsa kwamuyaya.

Komanso, mabanki ena amafuna umboni wa ndalama popereka satifiketi yoyenera. Mabungwe oyang'anira ndalama ndi mabungwe azachuma samafuna zikalata ngati izi. Mbiri yokhudza ngongole imakhudzanso mabanki okha.

Takambirana kale zakomwe mungatengere ngongole mwachangu osayang'ana mbiri yanu yangongole m'mbuyomu.

Momwe mungapezere ngongole yotetezedwa ndi galimoto (galimoto) - malangizo atsatanetsatane kwa obwereka

3. Momwe mungatetezere ngongole pagalimoto - magawo asanu 5

Musanapange ngongole yopezeka pagalimoto, muyenera kuwonongera kukonzekera koyamba... Kuti muwonjezere mtengo wamagalimoto, ndikofunikira kukonza zolakwika zazing'ono, kuyeretsa mkati, ndikusambitsa thupi. Zithandizanso kuwunika kulondola kwa pasipoti yagalimoto (PTS).

Ngati palibe chidaliro pakuwunika kwa omwe akubweza ngongole, wobwereka ali ndi ufulu wodziyesa pawokha pagalimoto pasadakhale. Ndikofunika kuti musachite miyezi isanu ndi umodzi musanapemphe ngongole.

Kuti njira yopezera ndalama pachiwopsezo cha galimoto sikuwoneka ngati yovuta kwambiri, mutha kugwiritsa ntchito malangizokuwonetsa magawo ofunikira pokonza ngongole.

Gawo 1. Kusankha wobwereketsa ndikulemba fomu

Si mabanki onse omwe amavomereza kupanga ngongole zotetezedwa ndi katundu, makamaka magalimoto. Ambiri mwa makampaniwa amapereka ndalama pokha pokha pokhudzana ndi chitetezo cha malo. Komabe, m'mizinda yayikulu, mwayi wopeza banki yoyenera ndiwokwera kwambiri.

Pakusankha ngongole, ndikofunikira kuganizira izi:

Kuwunika kwa mabungwe owerengera;
Zomwe zimaperekedwa ndi omwe amafufuza pa intaneti kwa mabungwe azangongole. Masamba otere amakulolani kufananizira momwe ngongole za mabungwe onse angongole zimakhalira;
Nthawi yolondola pamsika wazachuma.Katundu sayenera kulonjezedwa kwa makampani omwe angokhazikitsidwa kumene;
Mlingo wodalirika. Mabanki akuluakulu samabisa zachuma. Zizindikiro zonse zimapezeka pagulu, wobwereka amatha kuzipeza pa intaneti nthawi iliyonse.
Ndemanga kuchokera kwa makasitomala awo. Ndikofunikira kukumbukira kuti ndemanga zina (zoyipa ndi zabwino) zoperekedwa pa intaneti zalamulidwa. Chifukwa chake, choyambirira, munthu ayenera kudalira malingaliro a abale ndi abwenzi. Pambuyo powerenga ndemanga zawo, muyenera kusonkhanitsa zambiri pamasamba apaintaneti.

Kuti muyankhe, lero simukuyenera kupita kuofesi ya banki, lembani fomuyo patsamba lino. Kulembetsa ntchito pa intaneti yabwino osati kokha chifukwa zimatenga nthawi yocheperako.

Njirayi imakuthandizani kuti munthawi yomweyo mutumizire ntchito ku mabungwe ambiri obwereketsa. Mukakana iliyonse ya izi, simuyenera kutaya nthawi kuyendera banki ina. Ndipo ngati chisankho chobwereketsa ngongole chalandilidwa kangapo, zimangotsala kusankha mwayi wabwino kwambiri.

Gawo 2. Kukonzekera phukusi la zikalata

Obwereketsa amatha kulangizidwa kuti azikonzekera zikalata zambiri momwe angathere kuti atenge ngongole pasadakhale. Muyenera kusonkhanitsa zoyambirira mu foda ina, kupanga zina kuchokera kwa iwo. Mukakonzekera motere, gawo ili litenga nthawi yocheperako.

Pachikhalidwe, phukusili limaphatikizapo zikalata izi:

Pasipoti yaku Russia;
layisensi ya dalayivala;
buku la ntchito lotsimikizidwa ndi wolemba ntchito;
chikalata chotsimikizira ndalama zomwe mwalandira.

Kuphatikiza pa zikalata zotsimikizira kuti wobwerekayo ndi solvency ndi ndani, zikalata za galimoto yolonjezedwa zidzafunika:

PTS (pasipoti yagalimoto);
STS (satifiketi yolembetsa galimoto).

Kuphatikiza apo, Ndondomeko ya inshuwaransi ya CASCO ziwonjezera mwayi wosankha bwino pempho la ngongole.

Gawo 3. Kuwunika kwamagalimoto

Ngati wobwereka sanalamule kuti akawunikenso galimoto pasadakhale, ziyenera kuchitidwa pakadali pano. Mtengo wonse pakuchita izi umanyamulidwa ndi eni galimoto.

Ndikoyenera kulingalira! Ndi wobwereka yemwe ali ndi chidwi pakuwunika koyenera, chifukwa mutha kulandira ngongole yopitilira 60-70% Mtengo wokwanira wagalimoto siziwoneka kuti ungagwire ntchito.

Pakuwunika, katswiri amachita izi:

kuwunika momwe zinthu zilili mgalimoto;
Amadziwa momwe chassis chakalamba;
akuyerekeza galimoto ndi zomwezi pamsika.

Pochita zomwe tafotokozazi, zatsimikizika kuyesedwa kwamtengo wamagalimoto... Musaope kuti mudzakhala ndi nthawi yochuluka pochita izi. Ngati galimotoyo sili kukayika, kuunikaku kudzatenga maola angapo.

Gawo 4. Kutsiliza mgwirizano wamalipiro ndi kulandila ndalama

Aliyense amadziwa kuti ndikofunikira kuwerenga pangano la ngongole musanasaine. Ndi panganoli lomwe liziwonetsa kuphatikizidwa kwa ndalama pazaka zikubwerazi.

Ngati ziganizo zikutsalira mu mgwirizano zomwe sizikudziwika kwa wobwereka, ndibwino kuti musonyeze chikalatachi kwa akatswiri woyimira mlandu... Katswiri adzakuthandizani kumvetsetsa ma nuances, ndikuuzeni zomwe muyenera kumvetsera mwatcheru.

Zofunika, kotero kuti ngongole yotetezedwa ndi galimoto kwa wobwereka ndiyopindulitsa kuposa ngongole yanthawi zonse. Ngati lamuloli silikutsatidwa, palibe chifukwa choika pachiwopsezo cha zinthu zodula.

Mukamaphunzira mgwirizano, ndikofunikira kulabadira izi:

ufulu wa wobwereka monga mwini galimoto - kaya atha kubwereka kapena kuyigwiritsa ntchito ngati taxi;
Zokakamiza za wobwereketsa ndi wobwereketsa;
kukula kwa chiwongola dzanja chenicheni;
kubwezera msanga kumachitika;
kodi pali ma komisheni amitundu yonse yazogulitsa zachuma.

Sikuti aliyense amadziwa kuti wobwereka ali ndi ufulu wofuna kusintha kusintha kwa mgwirizano womwe sukumugwirizana. Makampani akuluakulu amavomereza izi (ngati, zowonadi, zosinthazi sizikuphwanya ngongole).

Gawo 5. Kubweza ngongole

Momwemo, banki iyenera kupereka kwa wobwereka njira zambiri momwe angalipirire mwezi uliwonse.

Osiyanasiyana amatha kugwiritsa ntchito njira zachikhalidwe monga kubweza ngongole kudzera mwa osunga ndalama kuofesi ya banki. Anthu omwe amayesetsa kuti atonthozedwe kwambiri ndipo amadziwa bwino matekinoloje atsopano akhoza kulangizidwa kuti azisintha zodziwikiratu kuchokera ku khadi yakubanki.

Chofunika kukumbukira ndikuti muyenera kulipira mwezi uliwonse munthawi yake komanso zonse.

Malangizo omwe ali pamwambapa athandiza ngakhale oyamba kumene kupeza ngongole zotetezedwa ndi galimoto mwachangu komanso popanda zovuta zosafunikira. Werengani za mawonekedwe a ngongole zachangu mu imodzi mwazolemba zathu.

4. Komwe mungapeze ngongole (ngongole) yotetezedwa ndi galimoto (galimoto) - TOP-3 mabanki omwe ali ndi nyengo yabwino 📄

Masiku ano, mabungwe ambiri obwereketsa ndalama amagwira ntchito pamsika wazachuma. Anthu ambiri amapereka ngongole zotetezedwa ndi magalimoto osiyanasiyana popanda zovuta.

Zindikirani! Ngati mukufuna zochepa, choyamba muyenera kulingalira za mwayi wopezera ngongole ya ogula kapena kiredi.

Gulu lililonse lazachuma limapereka ngongole pazinthu zina (muyenera kuganizira chiwongola dzanja, zolipira pamwezi, kuchuluka kwa ndalama zoyambirira). Kuti muwerenge ngongole, muyenera kugwiritsa ntchito chowerengera ngongole, komwe mutha kuwerengera chiwongola dzanja ndi zolipira pamwezi pa intaneti, komanso kuchuluka kwa zolipira zochulukirapo ndi kuchuluka:

Pansipa pali mabanki omwe amapereka zinthu zabwino kwambiri pangongole zosiyanasiyana.

1) Alfa Bank

Alfa Bank imapereka mapulogalamu ochuluka obwerekera omwe mungasankhe. Chifukwa chake, pafupifupi mitundu khumi yakhazikitsidwa pano makhadi a ngongole... Malire a iwo atha kukhala mpaka ma ruble 1,000,000... Poterepa, pali nthawi yopanda chidwi. Kutengera pulogalamuyi, ndi kuyambira masiku 60 mpaka 100.

Komanso ku Alfa Bank mutha kupeza ngongole ya ogula, chiwerengero chake chimafika Ma ruble 5,000,000... Muyenera kubweza ngongoleyo mkati mwa miyezi 60... Ngongole ikaperekedwa ndi kasitomala waku banki yemwe amalandila malipiro pakadi lake, mlingowo umachokera 12% pachaka. Ngati mulembetsa ngongole pa intaneti, apanga chisankho m'mphindi zochepa.

2) Sovcombank

Ku Sovcombank mutha kulembetsa onetsani ngongole, onse otetezedwa komanso opanda chikole. Ngati ndalama zikufunika kugula galimoto, mutha kugwiritsa ntchito pulogalamu yapadera.

Sovcombank ikufuna kupeza ndalama pachitetezo cha galimoto yomwe ilipo kuti mugule yatsopano. Pulogalamuyi mutha kupeza mpaka ma ruble 1,000,000... Poterepa, mulingo wachokera17% pachaka. Ziyenera kuyembekezeredwa kuti ngongoleyo iyenera kubwezedwa nthawi 5 zaka.

Chimodzi mwazofunikira za Sovcombank kwa obwereketsa ndi kupezeka kwa foni yakunyumba kapena foni yantchito. Kuphatikiza apo, kulembetsa kwamuyaya kuyenera kukhala osachepera 4 miyezi yapitayo. Nthawi yomweyo, sikofunikira kupereka satifiketi ya ndalama.

Kuti athe kulonjezedwa, galimoto iyenera kukwaniritsa izi:

kugwiranso ntchito;
palibe chododometsa;
zaka zosapitirira 19 zaka.

3) VTB Bank yaku Moscow

M'gulu lomwe lalembedwapo, mutha kufunsira ngongole ya ndalama zake mpaka ma ruble 3,000,000, onse okhala ndi chikole komanso opanda. Mtengo wa ngongole umayambira 14% pachaka. Nthawi yayikulu yolipira ngongole ndi Miyezi 36.

VTB Bank of Moscow yakhazikitsa zokonda kwa ogwira ntchito zaboma, opuma pantchito omwe akupitilizabe kugwira ntchito, komanso omwe amalandila malipiro pamakadi aku banki. Pakakhala zovuta zachuma, wobwereka aliyense ali ndi ufulu wopempha omwe amapereka ngongole kuti apereke maholide a ngongole mpaka 2 miyezi.

Mutha kulembetsa ngongole pa tsamba la banki. Poterepa, yankho liyenera kudikirira osapitirira kotala la ola. Povomereza pempholi, muyenera kupita ndi zikalatazo kunthambi yapafupi ndi banki kuti musayine pangano la ngongole.

Pakuyerekeza kosavuta kwa mabanki omwe aperekedwa, mwachizolowezi timapereka momwe angabwezere ngongole ngati tebulo.

Gome lofananirako la mabanki ndi momwe amakongoletsera:

Kuyendetsa ngongole	Kuchuluka kwa ngongole	Voterani	Makongoletsedwe
Alfa Bank	1 miliyoni rubles pa kirediti kadi mamiliyoni atatu pa ngongole ya ogula	Ndi khadi - 24.9% pachaka Pangongole zandalama - 15.9%	Njira zabwino zobwezera - kudzera pa intaneti, foni, ATM
*Sovcombank*	1 miliyoni rubles	17.0% pachaka	Ngongole yagalimoto yatsopano yotetezedwa ndi yomwe idalipo
*VTB Bank of Moscow*	3 miliyoni rubles	13.9% pachaka	Opuma pantchito komanso ogwira ntchito zaboma amapatsidwa mwayi wosankha

Werengani za banki iti yomwe ingakhale bwino kutenga ngongole pamtengo wotsika wotsika munkhani yapadera yamagazini athu.

5. Momwe mungabwezere ngongole yomwe yatetezedwa ndi galimoto - Malangizo othandizira TOP-3 💎

Kafukufuku wambiri amatsimikizira kuti kuphunzira ku Russia kwachuma ndikotsika kwambiri.

Pachifukwa ichi, nzika zambiri zimatenga ngongole, zomwe pambuyo pake sizingabwezeredwe ndi zabwino kwambiri. Zolakwitsa zoterezi zimapangitsa kutsika - kwa moyo, kuwonjezeka kwa ngongole. Komanso, si zachilendo kwa makasitomala oterowo kutenga atsopano kuti alipire ngongole zomwe zilipo kale.

Kotero kuti kubweza ngongole sikuli kolemetsa, ndikofunikira kugawa bwino ndalama ku bajeti yabanja. Kupangitsa ntchito yovutayi kukhala yosavuta kutheka ndi omwe amamvera upangiri wa akatswiri.

Momwe mungabwezeretsere ngongole yotetezedwa ndi galimoto - malangizo ofunikira ndi upangiri kuchokera kwa akatswiri

Langizo 1. Yesetsani kusunga ndalama

Ambiri obwereka amawononga ndalama zambiri kuposa zomwe sangakwanitse. Kumbukirani kuti mdani wamkulu wa bajeti yamabanja akuwoneka ngati ndalama zochepa zomwe sanakonzekere.

Ngati muli ndi mavuto pakubweza ngongoleyo, muyenera kuyamba kusunga. Ngakhale iwo omwe sangathe kudzipangitsa kuchita izi ayenera kukhala oleza mtima.

Ndikofunika kukumbukira, kuti ndibwino kupulumutsa pang'ono, kuposa kuti mudzawononga ndalama zambiri polipira chindapusa... Kuphatikiza apo, kuchedwa kumatha kubweretsa chifukwa chakuti galimotoyo imakhala ya wobwereketsa.

Mfundo 2. Muzipanga ndalama

Akatswiri ambiri amisala amakhulupirira kuti zambiri zomwe zimawononga sizingaganiziridwe, zimangochitika zokha. Kuphatikiza apo, ndalama zina zitha kutchedwa kuti zosankha zokha komanso zosafunikira. Pofuna kupewa ndalama zoterezi, muyenera kukonzekera bwino bajeti yabanja lanu.

Kukonzekera kuyenera kuphatikizapo izi:

Kudziwitsa kuchuluka kwa ndalama ku bajeti yabanja;
Kuwerengetsa ndalama mokakamizidwa - pogona, ntchito zokakamizidwa, chakudya, ndi zina zambiri.
Kupeza kusiyana pakati pa ndalama ndi mokakamizidwa;
Kulipira ngongole pamwezi;
Ndalama zotsalazo sizoyenera kuzigwiritsa ntchito, zimasungidwa muakaunti iliyonse yakubanki.

Akatswiri amalangiza mpaka ngongole itabwezedwa kwathunthu, kuchotsera ndalama zomwe mungasankhe. Pofuna kukonzekera bajeti, muyenera kupanga tsamba lanu kapena kugwiritsa ntchito mapulogalamu apadera.

Tip 3. Ndikofunika kulipira nthawi ndi zonse

Simuyenera kuloleza zolakwitsa ngongole, chifukwa zimabweretsa mavuto ambiri:

Choyambirira, ndiyenera kulipira chindapusa.
Chachiwiri, zochita izi zimabweretsa mbiri yoyipa ya ngongole.

Kwa obwereka omwe sanawerengere mphamvu zawo, akatswiri amalimbikitsa kuti apeze ndalama zowonjezera... Nthawi zambiri njirayi imabweretsa kusintha kwachuma ambiri.

Komabe, ndikofunikira kuti musapitirire pano, kugwira ntchito usana ndi usiku. Aliyense ayenera kupumula, ngakhale zovuta zili bwanji.

Potsatira malangizo ali pamwambawa, mutha kuchepetsa kwambiri kubweza ngongole.

6. FAQ - Mafunso Ofunsidwa Kawirikawiri 🔔

Mukamaphunzira mutu wakubwereketsa wotetezedwa ndi galimoto, wobwereka yemwe angakhale nawo amakhala ndi mafunso ambiri. Kenako, tinayesa kuyankha otchuka kwambiri a iwo.

Funso 1. Kodi ndizopindulitsa kutenga ngongole zandalama zotetezedwa ndi galimoto?

Ngongole zandalama zotetezedwa ndi magalimoto m'mabanki ndi chimodzi mwazinthu zotchuka kwambiri. Mapulogalamuwa amakulolani kuti mupeze ndalama zambiri popanda kufotokozera cholinga chobwereketsa kwa wobwereketsayo.

Ngongole yotetezedwa ndi galimoto kubanki imalola wobwereka kuti apeze ndalama pamalipiro ochepa

Sikoyenera kugwiritsa ntchito ntchito za pawnshops ndi MFOs pazinthu izi. Ziwerengero mwa iwo ndizokwera kwambiri, motero kubweza galimoto sikungakhale kophweka. Mukapita ku banki yayikulu, chiopsezo chake chitha kuchepetsedwa. Kwa mabungwe oterowo, galimoto ndi kokha chitsimikizo chobweza ndalama.

Musanatenge ngongole yotetezedwa ndi galimoto yokhala ndi ufulu wogwiritsa ntchito, ndikofunikira kupenda zonse mosamala zopindulitsa (+) ndipo kuipa (-) pempholi.

Mukalandira ngongole kubanki, mutha kudalira izi:

kupanga zisankho mwachangu pazofunsira;
ma komiti ena onse ndi malipiro amafotokozedwa mgwirizanowu;
ngongole ikhoza kubwezedwa nthawi isanakwane, potero amachepetsa kubweza kwakukulu.

Kuphatikiza apo, mabanki ambiri amatenga PTS ngati chikole. Mwa izi amachepetsa kuthekera kochita zochitika ndi galimoto. Poterepa, wobwereka akupitiliza kuyenda ndi galimoto.

Ndikoyenera kulingalira! Mabungwe ena omwe siabanki (mwachitsanzo, malo ogulitsira magalimoto) amafuna kuti muimitse galimotoyo mpaka ngongole yonse ithe. Mwa njira, kuyikika kwa galimoto pamalo otere nthawi zambiri kumalipiranso.

Titha kunena kuti mainkuipa ngongole yotetezedwa ndi galimoto ndi Kulephera kutaya chinthu cholonjezedwacho mwakufuna kwanu.

Mukamapempha ngongole kudzera m'sitolo yogulitsira malonda, a kuchotsanso kamodzi - okwera kwambiri ↑ chiwongola dzanja... Komabe, palibe zikalata zofunika pano. Ndalama ndi ntchito siziyenera kutsimikiziridwa, ndikwanira kupereka mutuwo ndi galimoto kuti iwunikidwe.

Kuwerengetsa kumachitika pomwepo, ndipo atazindikira kuchuluka kwa ngongole, wogulitsa pawnshop apereka ndalamazo. Ngati ndalama zomwe wobwereka amafunika ndizochulukirapo, galimoto iyenera kulembedwa. Pofuna kupewa tepi yofiyira yotereyi, mutha kupereka mphamvu yayikulu ya maloya pawnshop kwa notary.

Funso 2. Kodi ndizotheka kutenga ngongole yotetezedwa ndi galimoto kubanki popanda satifiketi ya ndalama?

Zimakhala zovuta kukonza ngongole kubanki ndalama zochulukirapo popanda kutsimikizira ndalama. Komabe, pamaso pa katundu wokwera mtengo, funso limabuka loti kuthekera kwa kukhala wokhulupirika kwambiri kwa wobwereketsa kwa wobwereketsayo. Tiyeni tiyesere kuzilingalira.

Mukamapempha ngongole kuti mugule galimoto yatsopano, ndibwino kulingalira za kuthekera kopeza Ngongole yamagalimoto... Ogulitsa magalimoto ambiri amapereka mapulogalamu angapo obwereketsa. Mukamagwiritsa ntchito imodzi mwazo, galimoto yomwe mwagula imalandiridwa ngati chikole. Chifukwa chokwera mtengo kwa ngongole zoterezi, mabanki amakhala okhulupirika kwa obwereka - kutsimikizira solvency zosafunika perekani satifiketi ya ndalama.

Zofunika! Zikuwoneka kuti mabanki ambiri amavomereza kupereka ndalama motsutsana ndi chitetezo cha zinthu zosiyanasiyana. Komabe, sikuti aliyense amalandira magalimoto ngati chikole.
Kotero, VTB ndipo Sberbank amatenga ngongole yokhayo motsutsana ndi chitetezo cha malo kapena pamalipiro.

Posankha wobwereketsa, ndikofunikira osati kungotsogozedwa ndi kupezeka kwamapulogalamu achitetezo pagalimoto. Choyamba, ndiyofunika kumvera mabanki omwe wobwereka adagwirako ntchito kale. Awa akhoza kukhala mabungwe obwereketsa omwe nzika zimalandila malipiro, pomwe amatsegula ndalama ndikupanga ngongole. Mabanki ambiri amapereka zinthu mokhulupirika kwa makasitomala wamba.

Muyenera kukonzekera pasadakhale zikalata zofunika kufunsira ngongole yopezeka pagalimoto.

Phukusi la zikalatazi limaphatikizapo:

pasipoti ya nzika;
buku la ntchito;
PTS;
STS.

Mabanki ambiri amawonjezera pamndandandawu ndi zikalata zina, ena safuna kutsimikiziridwa kuti ali pantchito.

Gome likuwonetsa mabanki angapo, mndandanda wazantchito zomwe zikuphatikiza ngongole yopanda ziphaso zandalama.

Mabanki ndi momwe angalembere ngongole yomwe yatetezedwa ndi galimoto popanda satifiketi ya ndalama:

Kuyendetsa ngongole	Kuchuluka kwa ngongole	Kuchepetsa pang'ono	Kutalika kwakukulu
Ural Bank Yomangidwanso ndi Kukula	250 zikwi ma ruble	20% pachaka	Zaka 5
*Ugra*	3 miliyoni rubles	23.5% pachaka	Zaka 5
*Banki ya SKB*	Ma ruble 5 miliyoni	17.9% pachaka	Zaka zitatu

Mutasankha kupeza ndalama pachitetezo cha galimoto, ndikofunikira kudziwa kuti maubwino ake ndi awa:

otsika poyerekeza ndi mapulogalamu ena;
mwayi wogwiritsa ntchito galimoto yoperekedwa ngati chikole.

Koma musaiwale zazofunikira kuchotsa... Wobwereketsa azikhala ndi mutu komanso zofananira zamagalimoto. Mpaka pomwe ngongole yonse ithe, mwini wake sangathe kutaya galimotoyo mwakufuna kwake - kugulitsa, kupereka kapena kusinthana popanda chilolezo cha banki.

Banki ikuyesetsa kwambiri kuchepetsa zoopsa zake. Ndiye chifukwa chake, ndi chidwi chachikulu, amapereka ngongole motsutsana ndi chikole. Koma musayembekezere kuti kukhala ndi galimoto ndikutsimikizira kuti mwasankha bwino pempho. M'malo mwake, kuti mulandire ndalama pangongole, ndikofunikira kutsatira zinthu zingapo.

Mndandanda wazofunikira zofunika kuti mupeze ngongole:

kupezeka kwa nzika zaku Russia komanso kulembetsa mpaka kalekale m'chigawo cha banki ndi wobwereka;
kutha kutsimikizira solvency popereka satifiketi ya ndalama kapena zikalata zakunyumba;
mbiri yosawonongedwa;
galimotoyo sayenera kudzazidwa ndi ena obwereketsa;
Galimoto iyenera kukhala ya wobwereka;
nthawi zambiri, mabanki amafunikira mfundo za CASCO;
Galimotoyo iyenera kukwaniritsa zofunikira za wobwereketsa;
galimotoyo iyenera kukhala yolondola.

Kukula kwa ngongole mwachindunji kumadalira mtengo wa kavalo wachitsulo wolonjezedwa. Koma mutha kuyika manja anu osapitirira 70% pamtengo wamsika wamba.

Pali njira ziwiri zazikulu zopezera ngongole yotetezedwa ndi galimoto:

galimoto imakhalabe yosungirako ndi wobwereketsa;
wobwereka amalonjeza TCP yokhayo.

Njira yoyamba ikusonyeza momwe angabweretse ngongole mokhulupirika - mlingo zitha kuchepetsedwa ↓, palibe chifukwa chotsimikizira ndalama. Komabe, pankhaniyi wobwereka sangathe kugwiritsa ntchito galimoto yomwe ali nayo mpaka ngongole itabwezedwa.

Njira yachiwiri ndiyosavuta kwa wobwereka. Munthawi yonse yamgwirizanowu, iye athe kugwiritsa ntchito galimotoyi... Nthawi yomweyo, mgwirizano uyenera kupereka ufulu wonse wa kasitomala wokhudza galimotoyo - momwe angagwiritsire ntchito, zomwe sangachite ndi iyo. Posankha njira iyi yopezera ngongole, wobwereka sangayembekezere kulandira ndalama zambiri, komanso chiwongola dzanja chochepa.

Tinalemba kale mwatsatanetsatane za momwe tingapangire ngongole yotetezedwa ndi galimoto PTS m'mabuku athu.

Funso 3. Kodi mungapeze bwanji ngongole pagalimoto yogulitsiramo galimoto / galimoto?

Msika wamakono wazachuma, akutukuka mwachangu Zogulitsa zamagalimoto... Lero akhala akupikisana nawo kwenikweni ku mabanki omwe amapereka ngongole zotetezedwa ndi magalimoto.

Zogulitsa zamagalimoto zimapereka ngongole zotetezedwa ndi magalimoto ndi magalimoto

Malo ogulitsira magalimoto amakondedwa makamaka m'mizinda ikuluikulu, komwe anthu ambiri amakhala ndi magalimoto.

Poika kavalo wake wachitsulo pamalo oimikapo magalimoto pa kogulitsirako zinthu, kasitomala wake amakhala ndi mwayi wobwereka ndalama zambiri osatsimikizira kuti amalandira ndalama komanso kuti sayembekezera yankho pazomwe apempha.

Njira zopezera ngongole zotere sizitenga nthawi yochuluka. Ndikokwanira kudutsa magawo angapo.

Magawo olandila ngongole pagalimoto yamagalimoto:

galimotoyo imaperekedwa kumalo ogulitsira;
katswiri pa malo amasanthula galimoto;
pangano la ngongole limapangidwa ndikusainidwa;
kasitomala amalandira ndalama.

Pafupifupi, njira zopezera ngongole kumalo ogulitsira magalimoto sizingadutse ola limodzi. Wobwereka amachoka pamalowo tili ndi ndalama m'manja, koma opanda galimoto... Mpaka ngongoleyo ibwezedwe, galimotoyo imakhalabe pamalo oimikirako malonda.

Poterepa, musadandaule za chitetezo cha galimoto. Zowonjezera zake zowonjezera inshuwalansi, ndipo udindo wonse wachitetezo cha galimoto udzagwera pamapewa ogulitsa.

Njira zopezera ngongole ndizosavuta ndipo nthawi zambiri sizimasiyana m'mabungwe osiyanasiyana. Komabe, kusankha kwa malo ogulitsira zovala kumatha kutengera chiwongola dzanja. M'makampani amenewa, nthawi zambiri amakhala pamlingo wokwera.

Avereji ya ngongole m'mashopu ogulitsa magalimoto mlingo ndi 1-6% tsiku lililonse logwiritsa ntchito ndalama... Mitengo yotereyi ikufanana ndi ma microloans, koma ndalamazo ndizokwera kwambiri. choncho malipiro ochulukirapo zitha kukhala zazikulu.

Asanapemphe ndalama kumalo ogulitsira magalimoto, wobwereketsayo amayenera kudziwa kuthekera kwake. Kuphatikiza pa mtengo wokwanira wolipira chiwongola dzanja, kasitomala nthawi zambiri amalipira poyimitsa.

Popeza kuti galimoto ili m'gawo la malo ogulitsira, uyenera kulipira zowonjezera pafupifupi 150 rubles patsiku... Kuphatikiza apo, mabungwe ena owonjezera amatha kukhazikitsidwa, kuphatikiza ndalama za inshuwaransi. Zotsatira zake, kulipira kwambiri kumatha kukhala katundu wovuta.

Zofunika! Musanapite kumalo ogulitsira ndalama zimafunika lingalirani zopeza ndalama kubanki... Apa mlingowu ndi wotsika kwambiri ↓ - nthawi zambiri sumadutsa 30% mu chaka. Nthawi yomweyo, nthawi yobwereketsa imakhala yayitali kwambiri - imatha kufikira 36 miyezi.
koma banki itha kubwereketsa ndalama zochepa kuposa malo ogulitsira magalimoto. Nthawi zambiri kutulutsa kotsiriza mpaka 85% Mtengo wokwanira wagalimoto. Nthawi yomweyo, banki ndiyokayikitsa kuti ivomereze ngongole ya ndalama zoposa 65% kuchokera pamtengo wagalimoto.

Zofunikira pazinthu zolonjezedwa zokha zimasiyana m'mabungwe omwe akuwunikira:

Mabanki amakhazikitsa zovuta, mwachitsanzo, amangobwereketsa ngongole zachitetezo cha magalimoto osapitilira 7 zaka. Amayang'aniranso pakugwira ntchito kwaukadaulo kwa makina.
Masitolo ndi okhulupirika kwambiri pankhaniyi. Apa mutha kupeza ndalama pagalimoto iliyonse, kuphatikiza magalimoto azadzidzidzi.

Ponena za kusiyana pamndandanda wazolemba zofunikira, ndiye:

m'mashopu ndi lalifupi kwambiri. Apa mumangofunika PTS, STS ndi pasipoti ya wobwereka.
mabanki amafunikiranso satifiketi ya ndalama, buku lantchito. Ngati sapatsidwa, chiwongola dzanja chidzawonjezedwa.

Pakufunsira ngongole pamagalimoto oyendetsa galimoto, wobwereka amangowopsa galimoto yolonjezedwa. Koma ndikofunikira kusamala kwambiri, popeza achinyengo ambiri amachita izi. Kuti asakodwe ndi nyambo yawo, ndi koyenera kugwirira ntchito limodzi ndi makampani omwe akhala akudziwika kale kuti alibe chilema.

Funso 4. Kodi zinthu za ngongole zotetezedwa ndi galimoto ndiziti?

Zopereka za ngongole zotetezedwa ndi zoyendetsa katundu zimapezeka zochuluka kuchokera kumabanki ndi mabungwe azachuma.

Nthawi yomweyo, pali njira ziwiri zazikulu zopezera ngongole:

Ndalamazo zimaperekedwa pachitetezo cha galimoto yomwe wabwereka;
Ngongole yamagalimoto imaperekedwa, galimoto imagulidwa ndi ndalama zomwe amalandila, zomwe zimakhala chikole changongole.

Komabe, si galimoto zonse zonyamula katundu zomwe zitha kuvomerezedwa ndi banki ngati chikole. Wobwereketsa aliyense amakhala ndi zofunikira payekha zomwe walonjeza. Komabe, mabanki ambiri amaganizira zomwezo.

Zofunikira pakulonjeza:

Msinkhu wa galimoto. Nthawi zambiri magalimoto omwe amapangidwa ku Russia, amaletsa mkati 8 zaka... Ngati galimotoyo ndi yachilendo, zaka zambiri zimakwera kale 10 zaka;
Kukhalapo kwa chosokoneza pagalimoto. Palibe wobwereketsa amene amavomereza magalimoto omwe ali kale ndi ngongole yobweza ngongole ina;
Mkhalidwe waluso wagalimoto.Asanapereke ndalama zotetezedwa ndi galimoto, wobwereketsayo ayenera kuwona zomwe walonjeza. Galimotoyo iyenera kukhala yabwino.

Poyang'anira, katswiriyu amatsimikiziranso mtengo wokwanira wa galimotoyo. Pomwepo ndiye amawerengedwa kuchuluka kwa ngongole... Nthawi zambiri sichipitilira 80% Mtengo wokwanira wagalimoto.

Zina mwazobwereketsa kubanki zotetezedwa ndi galimoto ndi izi:

nthawi yayitali - 60 miyezi;
fufuzani za 22% pachaka.

Ndikoyenera kulingalira! Ngongole zopindulitsa kwambiri zotetezedwa ndi zoyendera katundu zimaperekedwa ndi mabanki. Komabe, mabungwe ena obwereketsa ndalama amakhala okhulupirika kwambiri, kwa wobwereka iye mwini komanso ku katundu woperekedwa ngati chikole. Koma magawo pano atha kukhala oletsedwa.

Chifukwa chake, choyambirira, muyenera kulingalira za mwayi wolandila ndalama kubanki. Kuphatikiza apo, lero mutha kulembetsa osachoka kwanu. Ndikokwanira kudzaza fomu patsamba la wobwereketsa.

Lero, m'malo omwe ndalama zikufunika mwachangu, sikofunikira kusiya galimoto yomwe mumakonda pogulitsa. Nthawi zambiri, yankho lovomerezeka kwambiri lingakhale ngongole kapena ngongole yotetezedwa ndi galimoto.

Muyenera kutenga ngongole yotetezedwa ndi galimoto mozama momwe mungathere. Iyi ndiye njira yokhayo yopezera pulogalamu yabwino kwambiri, ndikubweza ngongoleyo bwinobwino ndikukhala eni galimotoyo.

Pomaliza, tikukulangizani kuti muwonere kanema wamomwe mungatengere ngongole (ngongole) zotetezedwa ndi galimoto - upangiri kuchokera kwa loya:

Ndizo zonse kwa ife. Tikulakalaka owerenga magazini azachuma a Ideas for Life kuti asakumane ndi mavuto azachuma. Ngati mukukumana ndi zovuta, tikukhulupirira kuti zolemba zathu ndi upangiri zikuthandizani kutulukamo ndi ulemu.

Ngati muli ndi mafunso pa mutu wofalitsa, afunseni mu ndemanga pansipa. Tithandizanso kwambiri ngati mungavotere nkhani yomwe yaperekedwa ndikugawana ndi anzanu.