Apho yebhanki mboleko imoto inzuzo?

Ngoku omnye iimveliso zebhanki kakhulu ethandwayo mboleko yokuthenga imoto. Inika amaziko ezininzi zemali ezahlukeneyo iimeko abaxhasi. Nabani na uceba ukuthutha nokufunyanwa, oko umdla ukwazi apho unako ukufumana imoto kakhulu, ngenxa yokuba iimeko yeebhanki ezahlukeneyo zinokwahluka kakhulu. Ukhuphiswano ukhuthaza amaziko zemali ukuphuhlisa iinkqubo kakhulu kubemi. Namhlanje imoto zonke yesibini kuthengwe ngetyala, ngoko sinokugqiba malunga ukuthandwa-mboleko yokuthenga imoto. Iibhanki ngenkuthalo basebenzisane kunye nabathengisi imoto, ehlise ukutsala abaphulaphuli bakho target.

mboleko Car ku eRashiya: Iinkalo eziphambili

Nganye imveliso yebhanki uneempawu zawo, kubandakanya imali-mboleko yemoto inzuzo. Ziziphi ibhange amazinga aphantsi kunye neemeko abanyanisekileyo intlawulo encinane lokuqala - kwaye kufuneka khona ukuze aphumeze lungamkeleki. amaziko ezemali namhlanje basoloko nokuphuhlisa iinkqubo ezintsha zabemi.

Car Loan yeyona thagethi mboleko abathengi ezikhuselekileyo apho izenzo uthenge umatshini. Ngenxa yokuba isithuthi iya kuba ezibhankini isibambiso ifuna inkqubo yobhaliso CASCO. Abemi abaninzi bakholelwa ukuba imoto inzuzo - nguwo lowo apho akukho mfuneko yokuthenga inshorensi. Kukho iinkqubo zingeyomfuneko, kodwa kule meko umxhamli kulala phantsi zonke iindleko ukulungiswa, ukuba imoto ufumana ingozi yemoto kunye buhlungu. Ukongeza, iziseko avtozaem igobhogobho idla ephakamileyo inzala.

iinkqubo mboleko imoto aneempawu ezithile:

1. kaninzi client ungafumani mali, ke ngoko nangoko idluliselwe garaji ngalo kuthengwe kwenziwa.
2. Uninzi iibhanki Ukubonelela kuphela emva kokuba umthengi wenza idiphozithi ye ubuncinane i-10% yexabiso le moto.
3. Transport ihlala bathembisa ebhankini gama umxhasi akuthethi ukubuyekeza ngokupheleleyo ityala.
4. TCP isithuthi igcinwa ebhankini phambi ekuvaleni le mvumelwano.
5. Phantse njalo zinokufuna ukuba wenze ipolisi ye-inshorensi eninzi CASCO.

Abemi abo uceba ukuthatha imali yemoto, iimeko kuFeliks zingafundiswa ukuba umthengi uya kwenza Intlawulo yokuqala. Kungenjalo kuya kufuneka ukuba uhlawule inzala ireyithi ephezulu. Ukunqongophala Hull kwandisa iindleko-mboleko ngo 3-5% ngonyaka ngamnye.

inkxaso karhulumente

Kukho imveliso ekhethekileyo - imoto mboleko kakuhle nge-mali evela kurhulumente. Banikela ke, asizizo zonke amaziko ezemali kwakunye nenkqubo kamongameli. Ngokwesakhelo kunikezo kuthenga isithuthi ingaveliselwa eRashiya. Kukho ezinye iindlela amazwe, ezo eqokelelwe izityalo zasekhaya, kwaye bakwazi ukufumana imali-mboleko imoto elihle e Rostov, eMoscow nakwezinye izixeko.

Inkxaso-mali kuyinto imbuyekezo sisibini esithathwini inzala kwimali-mboleko zemoto. Oku kubalwa yi-Central Bank izinga, aye ngexesha wo yingisela. Umzekelo, umxhamli uceba uthenga isithuthi ngetyala evela Sberbank, apho kumlinganiselo - 13,5-18%. kuya kufuneka ukuba uhlawule kwi umboleki 6.5-7% ngaphantsi Ngenkxaso urhulumente kuyimfuneko. Ngenxa yoko, izithuthi sitshiphu kubathengi kunye namashishini zasekhaya bathengise imveliso yabo.

Phantsi program, isibonelelo urhulumente athenge imoto ukuya ku 3.5 tonnes kwaye iindleko kungekho ngaphezulu kwe-1 150 lamawaka engange. I-Bank inikeza akukho ngaphezulu kwe-90% yeendleko zothutho. elide mboleko kule siphakamiso - akukho iminyaka engaphezu kwama-3.

I inzuzo mboleko imoto: ngexabiso eliphantsi

Enye yeempawu ezibalulekileyo ukuba abathengi sisivumelwano encinane credit ngokugqithisileyo. Ukuze uqonde into aya kuba isixa ethile ukuhlawula iindleko ezigqithileyo kwi-imoto, ungasebenzisa ikhalityhuleyitha mboleko, akhoyo kwi-web sayithi ezininzi amaziko zemali. Ngesi sixhobo uyakwazi ukubala umthwalo kwibhajethi xa usenza isicelo semali-mboleko kwaye ubone ngokucacileyo ubungakanani egqithisileyo.

Ukuthengwa uxabiso kuxhomekeke izinga yemali yeziko apho imali-mboleko kwenziwa. Apho mboleko imoto kuFeliks? Amazinga enzala lihle kakhulu ezinikezelwa yi-Bank of Moscow, "Uralsib" kunye yebhanki Unicredit. Apha uyakwazi ukufumana imali-mboleko kwi kumyinge ka-9-14% ngonyaka.

A imadlana ekuqaleni

Uninzi amaziko zemali ifuna idipozithi, anokuba ukuya kwi-40% yexabiso isithuthi, nto leyo isixa enkulu. I-mboleko yemoto kakhulu inzuzo Volgograd kunye neminye imizi Russia - yinto mboleko apho luncinane okanye lungekhoyo umrhumo lokuqala ngayo. Luyafumaneka kwi kwiibhanki 24 VTB, MDM kunye "zeAltai Energo".

Nangona kunjalo, kufuneka kukhunjulwe ukuba ukunqongophala intlawulo phantsi okanye imali encinane oku kunganyusa kakhulu izinga lenzala. Ukongeza, ezinye amaziko zemali ukubeka imiqathango eyongezelelweyo. Umzekelo, unako ukuthenga imoto kuphela amazwe ezixabisa kwesiqingatha sesigidi. Ngoko ke, isigqibo sokuba yeyiphi imoto mboleko nenzuzo (ngokugqithisileyo eliphantsi okanye hayi) na umsebenzisi.

Uhlobo lwemoto

Okwangoku zizinike program ivumela ixesha ukuthenga njenge imoto entsha okanye ezisetyenziswayo, ndawonye eRashiya nakwamanye amazwe. Xa ibhanki nganye, kukho iimeko ezithile sokubhalisa mboleko yokuthenga kwezithuthi. Kwezinye ungathenga kuphela imoto entsha, ngoxa abanye uboleka kubantu baceba ukuba uthenga isithuthi kunye mileage.

Kukho iibhanki, apho mboleko zikhutshwa kuphela iimoto zodidi amazwe (Raiffeisenbank). amaziko ezemali ezimbalwa kakhulu bakulungele ukunikela mboleko yokuthenga imoto, yesibini-ngesandla, kunye nabo aselelungile, ukubeka iimfuno engqongqo kwisithuthi (nonyaka esenziwe ngawo, imeko, njalo njalo). Ngokutsho kubathengi abaninzi, imali-mboleko imoto inzuzo e Ufa nakwezinye izixeko Russian cars esetyenzisiweyo zinokulungiswa Gazprombank.

I-inshorensi

mboleko Car eRashiya yohlukile kwezinye iimveliso zebhanki ukuze omnye iingongoma ezibalulekileyo bethenga ubukho nkqubo CASCO. Into yokuba iimoto ziya athengwe ibhanki yakho njengesiqinisekiso logama nje umboleki ayihlawuli ngokupheleleyo yonke amatyala ayo. Zonke izithembiso iibhanki ezithengisayo bavakalise kwenzala kwimali-mboleko, nto leyo isebenza kuphela kwimeko sobhaliso full package of iinkonzo inshorensi.

Ngenxa ukuthengwa inshorensi iba ziindleko ezinkulu kakhulu ngamaxesha. Kwimeko zokwaliwa ukusuka lokuthenga le nkqubo umboleki liya kuba nako ukusindisa kwi intlawulo yokuqala, kodwa ipesenti-mboleko uza kunyuka. Ukongeza, ungakhetha inshorensi sakho, iza ulondoloze imali yokuthenga-nkqubo. Noko ke, asingabo bonke amaziko ezemali ukunika abathengi ithuba lokukhetha inkampani yeinshorensi.

Ubuncinane iphakheji amaxwebhu

Abemi abaninzi kakhulu abanelisekanga nabasemagunyeni. Ukugqiba isivumelwano sentengo yemboleko, kufuneka isixa esikhulu ulwazi kunye namaphepha. Namhlanje, Noko ke, unako ukwenza into, eshiya kuphela ezimbini xwebhu. Ukuba sicinga amaziko zemali kulo mbono, imali-mboleko yokuthenga imoto bank inzuzo, iincwadana kunye mvume okuqhuba begqulana mboleko - Sberbank of Russia. I unako kwakhona ukunika SNILS, VAT okanye ID umkhosi nje isixhobo yesibini.

Ukongeza i-Savings Bank of Russia, amaxwebhu intengiselwano ezimbini ezikhutshwe Rosbank kunye VTB 24. Njengoko kwiziko zemali akakwazi ukungqinisisa yokuhlawula amatyala into engaba umboleki ngaphandle izatifikethi ezifanelekileyo kuba, loo ngetyala ziya kukhatshwa inzala ephezulu. Ukongeza, ibhanki ingafuna idipozithi enkulu, nto leyo akusoloko lula ukuba umthengi.

Products kbavelisi

Abathengisi abaninzi egunyazisiweyo ukwandisa yokuthengisa imveliso zayo uzama ukuphuhlisa nezaphulelo kubathengi abafuna ukuthenga isithuthi lophawu ethile. Ngoko ke wabonakala Toyota Bank kunye yebhanki Renault Nissan ezivenkileni. Apha uyakwazi ukuthenga uhlobo oluthile kunye nomzekelo kwi amagama nomtsalane kakhulu.

Kwakhona ingqalelo unikeza ngamaxesha kunye neenkqubo ephantsi kweebhanki kunye kubathengisi abagunyazisiweyo. Ngokuqhelekileyo, iimeko kubaxhasi yeenkqubo mboleko ezinjalo elinga gqitha.

VTB program 24

Eli ziko-mali yesibini ngobukhulu eRashiya yaye inika abemi isixa esikhulu iinkonzo kunye neemveliso. mboleko Car zifunwa ezikhethekileyo ze aphuhliswe kakuhle kakhulu VTB Bank. Uyakwazi mboleko ne-mali evela kurhulumente ukuba basebenzise amalungelo ngenxa lweeklayenti ezikushishino, okanye ukugqiba isivumelwano ohlawula phantsi izabelo ezikhoyo.

iimeko Standard-mboleko yemoto ebhankini ngolu hlobo lulandelayo:

• imali - hayi ngaphezulu kwe 5 million engange;
• ungathenga isithuthi yemveliso Russian angaphandle;
• rate of 14% ngamnye ngonyaka;
• idiphozithi - ubuncinane 15% zimoto;
• ixesha lesivumelwano - ukuya kwiminyaka-5.

umdla kahle Gazprombank

Eli ziko-mali iinkqubo inzuzo zinika ezinkampani. Umlinganiselo wenzala kwimali ebiyiboleka auto liphantsi kakhulu, yaye kwiminyaka yakutshanje, ukunyuka bubalulekileyo waphawula. Yenza isivumelwano sentengo yemboleko, ungakwazi ebhankini iminyaka ukuya ku-7 kubaboleki. Izinga base-mboleko zemoto - 14% ngonyaka ngamnye, kodwa abathengi rhoqo unako ukufumana isaphulelo se-1.5% ngonyaka. I-Bank ifuna idipozithi - ubuncinane ama-20% yeendleko emotweni kwaye inika mboleko ngesantya akukho engange ngaphezu nezigidi ezi-4,5.

Ukunikelwa evela Sberbank

Ukukhetha Large lweenkqubo ezahlukeneyo mboleko imoto kubemi of Russia Sberbank of Russia inikeza. Uyakwazi amalungiselelo mboleko yokuthenga yeemoto amazwe kunye neemoto zasekhaya. ubukhulu overpayment kuxhomekeke kwixesha mboleko yahluka kwisithuba 13.5-16% ngonyaka. Xa ubukho Quotas kukhutshwa mboleko yemoto kakuhle ngenkxaso-mali karhulumente, ukuba umxhamli Akanangxaki kwizithuthi zasekhaya.

Kulondolozo zonke iinkqubo zifuna nayiphi na intlawulo phantsi, imali eya kuba ngaphantsi kwe-15% yexabiso le moto. Ubuninzi ukuze kuthengwe isithuthi unikwa engange 5 million. Igama elithi yesivumelwano semali-mboleko - eyi-5.

Sberbank wasinika isaphulelo-1% ngonyaka ngamnye kwi-mboleko njengezenzekelayo kwi ezi ndidi zilandelayo abemi:

• abathengi payroll;
• kubatyali-zimali;
• abanini ekhadi zentlalo, ukufumana ipension yakhe.