Car loan noma umthengi credit: kuba oholela kangcono? Yikuphi loan ukukhetha: Izibuyekezo

Ngokwezibalo, izindleko isilinganiso izimoto eRussia kuziwa 800 000 deda. Kuwufanele ukugcizelela yokuthi lesi sibalo ingase yehluke kuye ngesistimu esifundeni, isibonelo, esifundeni Maritime, leli nani ongafinyelela izinombolo kwesigamu sesigidi sama-ruble. Uma uthi nhlá kuyacaca ukuthi lezi zimali hhayi kungaba indoda elula emgwaqweni ukuze uthole ngisho unyaka. Ukuze basize, njengoba njalo, beze ngemali. Ngokuvamile abantu bebuza bethi, "Car loan noma umthengi credit, okuyinto oholela kangcono?". Ukuze wenze ukugcizelela esivuna lokhu noma lokhuya uhlobo abolekise, kubalulekile ukukhomba izinhlangothi ezinhle nezimbi ayibolekela imoto kanye kabi loan.

ukubolekisa Car: ngokucophelela ngobuhle nangobubi bawo

1. The kungenzeka angene loan kule showroom. Ngenxa yokuba khona encane imali ngoba inkokhelo phansi loan, ungafaka isicelo, ngaphandle kokuhamba elidayisa.
2. Uhlelo ezibanzi imali yemoto. Cishe zonke amabhange ngamasevisi sokubolekwa ukuthenga "yensimbi ihhashi". Ngenxa yokuthi uma wenza loan ebhange uyobavikela ngokuzenzakalelayo, nxa bezilinganisa ngezingqobo khona izibambiso, isinqumo mayelana ukwamukelwa isikweletu waphawula kakhulu kanengi ukudlula isinqumo umthengi credit.
3. Okuphansi senzalo. Ngokungafani ukubolekisa umthengi, lapho isilinganiso senzalo phezu loan 20%, ukubolekisa imoto kulesi sici ke umi inani lenzalo ku mortgage - 11-12% ngonyaka. Declaration ngu General Motors ekuqaleni kwalo nyaka mayelana ukunakekelwa umenzi aseMelika Russian imoto umkhakha, ngenxa falling umthengi imikhiqizo yayo ifuneka kangakanani kwenza ukuba onjiniyela ezinye izimoto ukunikela amadili kangcono abathengi: i sonke isikhathi ongaphakeme zenzalo emalini ebolekiwe - 5-6%, noma bantula kubo ngokuphelele. Nakuba isimo sezomnotho ezweni esikhathini esinikeziwe ukuba wayefisa, kulokhu alikwazanga kangcono inzuzo imoto kuthenga. Yiqiniso, lapho lo mbuzo: "Car loan noma umthengi credit - okuyinto engcono," ngaphandle kokungabaza, loan okuhloswe ukuthenga imoto, kulesi sici, iwina.
4. Ukungakwazi ukuthengisa imoto besithathu. Lapho amabhange loan imoto njalo uthathe isibambiso yakho ukuthenga imoto, futhi TCP ungaphakathi ebhange ngaphambi kosuku imalimboleko. Endabeni yokungakhokhi yokuboleka le mali wena sesikweletu kuthatha emotweni yakhe. Kodwa lapha ungaya ezinye iqhinga, uma ungenayo imali edingekayo ukuze wenze inkokhelo yanyanga zonke kanye usele "emaphaketheni elingenalutho." Ukuze wenze lokhu, udinga ukuya amaphoyisa omgwaqo, ukubhala isitatimende mayelana nokulahlekelwa TCP futhi emva kwesikhashana uthola ke. Manje ungakwazi ukuthengisa imoto ukukhokhela isikweletu. Kodwa zonke lezi zenzo emthethweni!
5. umshwalense okuphoqelekile okwenziwa ezikhungweni Hull. Lapho ukubolekisa ngemali imoto, bonke amabhange compulsorily onikezwe amakhasimende amasevisi yomshuwalense sikebhe, noma ngabe uyayithanda noma cha. Kunalokho, ukwenza esivuna amabhange ukuze bazivikele.

Umthengi credit: ngobuhle nangobubi bawo

1. Ukusetshenziswa kwezimoto ngokuzikhethela kwayo. Ngenxa loan ikhishwe umdlalo kukhona kungenzeka ukuthenga imoto eyisekeni nge value ephansi, ngokungafani kuya loan imoto, lapho izimali ikhishwa kuphela ukuthenga izimoto ezintsha, ngaphandle ezingavamile b / y.
2. Qedela nokulahla imoto yakhe. Yiqiniso, lokhu kuwusizo ekuklanyweni lolu hlobo loan. Ungakwazi ukuthengisa, ushintsho, wafaka isibambiso "umngane" yakhe, kodwa ungaweqi umugqa yomthetho.
3. The kungenzeka ukwehluleka ekutholeni credit. Akuwona wonke amabhange bazimisele ukukunika imali yabo, uma akukho eseduze noma yisiboniso. Kule ndaba, loan imoto noma umthengi credit - okuyinto oholela kangcono? Yiqiniso, ukuthengwa target imoto nge izimali ebhange.
4. Eside zenzalo. Ekusebenteni, zenzalo yabathengi credit uhlale ephakeme kunaleyo sokubolekwayo imoto.

loan imoto noma umthengi credit: Izibuyekezo

Njengoba nokubuyekezwa, iningi labantu Russian uncamela ukusebenzisa ukubolekisa imoto, ukunaka kwabo lokuthi lolu hlobo abolekise ilula ukuthola, ngaphandle ezingadingekile "kokuhlupheka", futhi babuyisana yokuthi PTSD is eyisibambiso ebhange.

Kodwa bakhona labo abangamalungu sebekubeke ngokumelene nalo, ngesisekelo ukuthi lapho uthenga imoto yabathengi credit abantu bayakwazi ukuyisebenzisa ngokubona kwayo: ukuthengisa, ukushintsha, ukunikeza nokunye.

Car loan noma umthengi credit - okuyinto engcono? 2014 kube inkomba yokuthi nokuntengantenga kwezezimali

Ukusungulwa lwezijeziso, ukuwa kwamanani kawoyela, okwaholela nokuntengantenga of the ruble. Kule ndaba, iningi amabhange yonkana Russia baye some nemibandela yokufuna umthengi credit, okwenza kube cishe akunakwenzeka ukuthola labantu engenayo kancane. Car loan cishe engabathinti, ngaphandle iholo elincane ngonyaka senzalo, kanye izimo zazingcono tezhe. Ngakho phela loan imoto noma umthengi credit - okuyinto oholela kangcono? Ngo-2014, kuqala kufanele loan imoto, kalula yayo ukulungiselela kanye lenzalo encane.

Sberbank "iphendula" imali imoto

Sberbank omele kunazo zonke kwezingu-amabhange kahulumeni. Cishe zonke kulelo nalelo khaya wakhonza kule ebhange. Akenzi ukugwema ohlangothini nemoto sokubolekwayo. Kodwa ngenxa yezimo owandile ezweni, i-Savings Bank ekupheleni 2014 unqabile loans imoto futhi aqale le misebenzi ukuba ingane "Setelem yasebhange". Ngakho umbuzo ukuthi kungcono ukuthatha - loan imoto noma ikhredithi zabathengi Savings Bank, asihlobene. Uma ikhasimende ejwayelekile ebhange, kufanele bathembele kuphela emalini ebolekwe umthengi.

Izibuyekezo ze-Savings Bank kohlelo wangaphambili imali imoto

Umbuzo kuyini okungcono imoto imali-mboleko noma umthengi ngokuvamile okuxoxwe ngazo izinkundla ukutusa Savings Bank? Izibuyekezo luye lwabonisa ukuthi abantu abaningi bathanda ukuthatha loan ukuthenga imoto kule yasebhange, ngenxa abantu inzalo engako, uma kuqhathaniswa nezinye izinhlangano zezimali. Kodwa ingxenye labantu namanje elinde nokuvulwa ukubolekisa imoto kusukela uhlelo yasebhange.

Kuyini loan namanje kangcono imoto noma loan umthengi?

Umbuzo: Car loan noma umthengi credit - okuyinto oholela kangcono ", kuwukuhlakanipha ukuba sihlale ukubolekisa igunya auto ngoba, okokuqala, izinga imalimboleko uhlale kakhulu ephansi, futhi okwesibili, cishe never zidinga ukubandakanywa besithathu ukucubungula loan futhi. eyesithathu - amabhange amaningi enikeza ibhonasi, izinhlelo ezikhethekile sokubolekwayo imoto futhi ngesikhathi esibucayi ngezinye izikhathi athathe imoto ngesikweletu kungenzeka ngaphandle overpayments uma ungenaso nokufezekisa amaphupho abo - .. ukuthenga imoto - ngempela kancane, kungcono ukusizakala umthengi credit. Lokhu kuyokwenza ugcine ku izigqoko zawo.