Mboleko Car: imigibe, iimpawu kunye neziphakamiso

Yonke imihla, izinga ubomi bomntu sele kuthechu ukwanda. Ngako oko, ukwanda zokuhamba kunye sonke. imoto Private sele kudala Uyekile ukwenza ixhanyulwe kwaye isoloko yimfuneko. Apha, Noko ke, yokuthenga ukuthenga enjalo abakwazi wonke. A isivuno esihle kule meko kuba mboleko imoto. Imigibe le meko kwaye baba isihloko senqaku namhlanje wethu.

Credit yokuqala ekufunyanweni kolunye 'ihashe yentsimbi "lobuqu ngoku inikela phantse yonke iziko lemali. Kodwa njani ukuze uqiniseke ukuba bakhuphe imoto nenzuzo? Imigibe ekufumaneni imali okanye umatshini ngokwayo zinokufihlwa ngobuciko ukuba uya kukwazi ukubona kubo, yayiqale nje kuphela ukuzalisekisa izibophelelo zawo. Ukuze uphephe ebukhobokeni, kufuneka sinikele ingqalelo kuyo yonke nqanaba yobhaliso imoto.

kokubonisana

Ngoko ke, nina ukuthatha isigqibo sokuba imali yemoto. Imigibe wena sele zilungiselelwe ngexesha lokubonisana yokuqala. Ngowe-90% amatyala uya kwenzelwa ukuba akhuphe isivumelwano sentengo yemboleko ukuze ebizwa ngokuba yi-isithuthi zokwazisa. Kwaye yonke into ngokukhawuleza kakhulu kwaye ngqo kwi ndlwana. Ngenxa yoko, bakhutshelwe cheapness ngathi, unalo ithuba lokuba kude umthengisi kwi imoto ukuba akakho ingqalelo ukuthenga.

Ukwenza mboleko imoto kwi ebhankini, uya wayekiswa hlobo.

Ukungena yesivumelwano

Siyaqhubeka ukuhlola imigibe mboleko yokuthenga imoto. Inqanaba elilandelayo - ixabiso umatshini. Kwixabiso iindleko loqwalaselo ebizwa njalo-basic ngokuqhelekileyo kuboniswe. Ngoko ke, ukuze esiqaliweyo ukufumana isixa esipheleleyo, kuthathelwa ingqalelo iintlobo "add-ons". Oku kuya kuba ixabiso kanye apho kufuneka ingqalelo. Ixabiso le moto, wathi phetshana, ngo-99% amatyala, ngaphezu akukho ngaphezu kokuba zithutha emaphepheni.

Ukunyanzela umxhasi yokuthenga iimoto imali eninzi kakhulu, abaphathi abaninzi bathi ubukho iseti epheleleyo ngaphezulu kwe-avareji - eyimfuneko yeziko lemfundo. Amaninzi, oku akuyonyaniso. Ifana kakhulu kwindawo kuphela apho abasebenzi ime iziko zemali, kukuba ukufaka alarm anti-nobusela.

Apho ukubhalisa mboleko imoto? Imigibe ukuze balindelwe nawe ngalo lonke ithuba. Ngoko ngaphambi kokuba usayine isivumelwano, zama ukuba sihlolisise ngenyameko ngalinye incwadi. Nokuba wenze njalo ke kungcono ukubeka ubhaliso, kodwa ekhaya, sonwabile. Ngokusesikweni, ufanele uzise inkqubo igqwetha ewazi kwizinto ezinjalo. Ukuba yonke into elungileyo selubala kwaye ebhankini, kunye showroom kuwe ngaphandle kwamathandabuzo uya kunikwa ikopi yesivumelwano imodeli ukufunda eneenkcukacha. Ukuba sikhatyiwe isicelo efanayo, ucinga! Mhlawumbi, umbolekisi inento ukuzimela. Nokuba ukuba bazobe mboleko imoto kwindawo enjalo? ityala lakho.

Zabo linikeza credit

Kodwa ezinye mboleko yemoto imigibe. Garaji imoto okanye ibhanki kungcono akhuphe?

Kwelinye icala, xa uthe wenza isivumelwano semali-mboleko ngqo kule ndlu, wena umda ukhetho yebhanki. Fumana mboleko inokuba iziko ngetyala apho umthengisi kugqitywe ngemvumelwano kuphela. Hayi into yokuba iimeko icetywayo kuFeliks. Kwelinye icala, inkqubo iya kuthatha ixesha phi, yaye amaxwebhu ubuncinane efunekayo.

Ngelo xesha engena-mboleko ebhankini, uya ukhethe iphakheji eqhelekileyo. Kodwa nokusayina ilungelo isivumelwano kwi showroom, uyakwazi ukubala nakweyiphi ukunikelwa zokukhuthaza. Abathengisi badla ukuphuhlisa iinkqubo ezifana ngentsebenziswano kunye neebhanki. Ngoko ke ngaphambi kokuba usayine amaphepha, kungcono ukuba wazi zonke iinketho.

mboleko "Inzala-free"

Ngoko ke, uye wagqiba ekubeni amalungiselelo mboleko imoto. Imigibe (nimoyikayo) kukho zifihliwe Ngobuchule kakhulu. Ngokomzekelo, bemlinga umyinge wenzala ka-0%. Njengoko unokuthelekelela, ibhanki - hayi umbutho wesisa, kwaye ngoko ngeke asebenze ngaphandle nzuzo. Ngako oko, le iikhredithi free ayinakuba. Zonke Kuthiwa akukho dopoluchennye iziko ingeniso yemali ixesha elide ebekwe phantsi yeefizi ezahlukeneyo ezongezelelweyo, babebiza imali ekuqaleni indleko kumatshini, iindleko wokubhala.

Amaninzi kufuneka abaleke ukusuka 'imali-mboleko engenanzala lilungileyo' ekhutshwe kubathengisi imoto. Phezu sihlolisisa, apha iimeko afunyenwe amakhoboka nje:

• elide mboleko - akukho ngaphezu kweenyanga ezili-12;
• igalelo initial - ubuncinane isiqingatha ngendleko imoto;
• liability insurance endaweni eya kubonisa ibhanki.

Ukongeza, iintlobo ngeentlobo iimfuno, nto leyo ekugqibeleni ukuthintela naziphi na imali ongezwe.

Ukuze ukuba 'gxwa "kwimeko enjalo, cela ukuba umphathi ukupeyinta ngokwandayo kwiphetshana zonke izenzo zakho ebhalisa. Ngelo xesha ngenisa nje ngokuchanekileyo zonke izixa iindleko iifomu, iimvume, i-inshorensi, imirhumo yolondolozo akhawunti kunye nezinye iintlawulo ezifanayo. Thatha nekhefu usuku okanye iintsuku ezimbini kwaye abe nomdla kwizindululo kwamanye kwiibhanki. Mhlawumbi mboleko yakho 'umdla-free "akayi kuba inzuzo.

nhlawulo

Ukuthintela inkathazo elizayo, zama nangoko ukufumanisa ukuba yintoni na izohlwayo into kwambatha elunxwemeni. Akukho mfuneko ukuba basayine imvumelwano obonelela ukubala izohlwayo enkulu ngomzuzu ngamnye kokulibazisa. Ukuvavanya amandla alo zemali ngokwenene. Kufuneka kwakhona ukuthathela ingqalelo kungenzeka ukuba yokuhamba kwemali kwemali engenayo ukuze lincitshiswe. Umzekelo, uya kuhluthwa iibhonasi, okanye uyagula pet ikati. Mhlawumbi inkampani apho usebenza, yaye bonke baya kuyeka ukuba khona. Kulo mzekelo, uya kufuneka uqhagamshelane ibhanki malunga ngokutsha. Kwangoko ucele ukuba oku kunokwenzeka, yaye iza ngayo le nkqubo.

Ezinye iibhanki iwise isohlwayo uhlawule yokuqala mboleko. Eneneni, kulo mzekelo, baya kufumana ingeniso encinane, nto leyo nethemba. Cinga ukuba zilungele iimeko ezifana nokuba.

Ngamanye amaxesha nababolekisi Fundisa izohlwayo isaziso emva utshintsho lwe data zobuqu. Oku kuthetha ukuba xa utshintsha indawo yomsebenzi, inombolo yefowuni, okanye ngequbuliso otshatileyo / umtshato, ngoko ke ibhanki kufuneka azi ngayo. isaziso abandulelayo kungabangela iifayini, izohlwayo, kwakunye ngokwemfuneko ibhanki ukuba kubuyekeza nangoko isixa-mali esisashiyekileyo ityala.

iindleko elihambisana

Apho omnye uza zokuzimela imigibe mboleko imoto? Kwiinzame umdla kubathengi abaninzi ezininzi amaziko ezemali okanye bebeka imoto de ngomzuzu wokugqibela ukufihla ulwazi ngento eza kuba ezinye iindleko ukuze ningaziziseli client. Kwaye ke kungaba:

• Imali lokuvula i-akhawunti yebhanki kunye nokugcinwa yayo;
• ezahlukeneyo inshorensi;
• imali ukuguquka yemali-mboleko;
• bahlawuliswe ezahlukeneyo;
• iindleko zebhanki sodluliselo kwemali showroom;
• intlawulo yeenkonzo yebhanki noqulunqo iimviwo ze-sicelo;
• ukugcina ifayile credit.

I-inshorensi

Awuqwalaselanga watshintsha ingqondo yakho ukuba mboleko imoto? Imigibe balindele wena inshorensi emotweni.

Ngaphezu kwako konke, ilungiswe indlela yokuba ungakwazi ukufaka kwi UK olukhethileyo. Uya kunyanzeleka ukuba asebenze ngqo nkampani, leyo utyikitye isivumelwano kunye garaji imoto okanye ibhanki. Ukongeza, ibhanki ingafuna ukuba inshorensi iimoto nje kuphela, kodwa ezinye iingozi:

• impilo yakho kunye nempilo;
• umngcipheko non-ukuhlawula imali-mboleko kwimeko zokulahleka ingeniso;
• ezinye iingozi.

Kakade ke, ungakwazi ukwala. Kodwa ke ngubani na ukuqinisekisa ukuba ufumana imali-mboleko kule meko?

Xa usenza inshorensi kukho bokuqonda embalwa:

1. Ukuba amalungiselelo-inshorensi igobhogobho eqhelekileyo, i-inshorensi sithabathela ingqalelo ukuba nyaka ngamnye ixabiso imoto kunciphisa. Ngako oko, le nkqubo ukusuka komnye unyaka ukuya komnye uya kubiza. Kwimeko yemoto ngetyala, ipremiyamu inshorensi iya kuhlala injalo lonke ixesha mboleko. Okt iimoto, "ukwaluphala", kwaye uya kuhlawula kuba entsha.
2. Kwakhona kule meko akukho ithuba ukufumana ibhonasi-malus. Yinto isaphulelo enjalo, ezibonelela IC ukuqhuba ilahleko-free. akazange nayiphina into uqhuba namava abanawo, ngeendleko CASCO auto mboleko ayiphazamiseki. Kuya kufuneka ukuba uhlawule "ngokupheleleyo".
3. Kwakhona, ukuba amalungiselelo igobhogobho kwi-mboleko yemoto, ulahlekelwa ukukwazi ukuhlawula izavenge ngezavenge. Kulo mzekelo, yonke le mali kuya kufuneka uhlawule kwangoko.

Ngamafuphi

Ukuba ufunda ngenyameko inqaku yethu, ukuba sele uyazi ukuba imigibe ezikhoyo mboleko emotweni. Umthetho kuphela abo abafuni ukuba "abanjwe" yenye - musa sukela. Ukuba wakha waphila ngaphandle imoto, ngokuqinisekileyo uya kuba nako ukuqhuba phandle, kunye neentsuku nje ezimbalwa. Eli xesha, nje ngokwaneleyo ukuba ngocoselelo (ekukhethwa igqwetha) ukuhlola ikhontrakthi uze ufunde yonke into, nkqu bukovki zincinane. Ukongeza, kufuneka kubalwa ngenyameko onke amanani kwaye isigqibo ngesixa-mali, nto leyo ekugqibeleni liya kukudla malini umatshini. Qaphela: xa imincili yentengo ezizayo ayikho amehlo mnyama, nayiphi kwimigibe wena ungoyiki.