Inani elihle kunawo ukubolekisa imoto: nemibandela emabhange. Yini oholela kangcono - ukubolekisa auto noma umthengi credit?

Uma ufuna ukuthenga imoto kodwa ngingenalo izimali, ungazuza imali-mboleko. ebhange ngamunye unikeza imigomo yayo: imigomo, inzalo engako, futhi amanani ukukhokhelwa. Konke lokhu kuyadingeka ukwazi umboleki kusengaphambili ngokutadisha amadili best on loans imoto.

Cishe zonke nokucwala Imishini abambisane amabhange, ukuze amakhasimende akwazi ngokushesha zihlela izimpahla. Kodwa kufanele kuqala uzijwayeze imigomo uhlelo ukukhetha esasifaneleka. Ngokuvamile banayo izici zabo.

Ukukhetha Izici credit

Uma loan imoto eyenziwe Showroom, wena ngokuvamile ahlinzekwa amasevisi amabhange eziningana nezimo zabo, imigomo zenzalo. Kanjani engikukhethayo? Akufanele igijimele le nkinga, futhi simazi kangcono imisho embalwa. Okokuqala udinga ukusebenzisa ibhange, elikhiphe inkokhelo. kumakhasimende njalo izidingo abasakwazi ezinengqondo. Sidinga nje ukufunda konke mayelana loan imoto.

Ukuze ukwazi ukufaka isicelo elihle kunawo imoto loan ngaphandle kwenzalo, kodwa lokhu akulona. Ukunikeza imoto kungenzeka kuphela ngaphansi umklomelo. Ngisho noma inkontileka akuyona iphesenti ikhomishana ngeke ibalwe besebenzisa refinancing.

credit evumayo

Okuzuzisa kakhulu auto loans - ngalabo labanelitsemba Imibandela elandelayo isebenza:

• iphesenti eliphansi sonke isikhathi inkokhelo;
• kudingeka ukuthi unikeze ipasipoti idokhumenti yesibili;
• kungekho phansi lokukhokha;
• Awudingi ukunikeza ilungelo 2-PIT;
• CASCO akudingekile ukubhalisa;
• Noma imuphi umlando credit;
• Imibandela nezimo.

Kuyazuzisa imoto loan ngaphandle inkokhelo phansi, kodwa usadinga ukuthola ibhange nezimo ezinjalo. Nakuba kulesi simo kukhona okungenzeka ephakeme zenzalo.

yesibonelelo sikahulumeni

Car ukubolekisa ku ezimvunayo zingafundwa emabhange ezahlukene. Lesi simo sibizwa bahileleke. Kwesekela luhlelo loan imoto kwaba abashayeli wadala. Kususelwa ke, isimo iwukuba amabhange ezisebenza amasevisi wedatha. Imali isetshenziswa ukuba ukhokhe ingxenye yemali ebolekwayo, ukuze amakhasimende amazinga aphansi. Izici esikhethekile ukuboleka imali yokuthenga imoto zihlanganisa lokhu okulandelayo:

• ungakwazi ukuthenga izimoto, nenqwaba okuyinto ingeqi 3.5 amathani;
• isitolimende sokuqala - 20%;
• Izinga - akukho kuka 2/3 of the rate Central Bank.

Down yokukhokha: ngokucophelela ngobuhle nangobubi bawo

Okuningi zenani loan imoto ngaphandle inkokhelo phansi. It hhayi kuphela inquma lemali okumele overpaid, kodwa ukubheja. Uma wenze lokukhokhela isitolimende sokuqala, inani ngenxa esele okuvela kuyo le ngokweqile kuyoba encane. Inani elihle kunawo ukubolekisa imoto kufanele imali sokuqala imayelana ayi-10-30% semali-mboleko.

Izinzuzo isevisi ngaphandle inkokhelo phansi itholakala lokuthi ukuthi imoto ingatholakala ngokushesha, ngaphandle imali esikhwameni salo. Kodwa njengenhlangano ngokweqile kanye nokukhokhwa lizophakama, kubalulekile ukubala kungenzeka yokukhokha. Kungcono ukusebenzisa umthetho proven: zonke izidingo amalungu omkhaya kufanele ahlale emhlabeni 60% wemali. Uma kuwukuthi ngaphansi, hhayi kuwufanele ingozi.

Ungaluthola kuphi imoto loan evumayo ngaphandle inkokhelo phansi? izinkonzo ezinjalo amakhasimende ezisebenza "HoumKredite", "AyManiBanke", "Loco Bank". Ukugcina izinkokhelo isithakazelo kudingeka kwenziwe hhayi ngaphansi kuka-20% intengo yezokuthutha. Kuyadingeka ukuthenga MTPL futhi CASCO.

Izici ukuboleka imali yokuthenga imoto ngaphandle isigqoko

Inani elihle kunawo ukubolekisa imoto ikhishwa ngaphandle nesigqoko sokuvikela ikhanda. Yize zibiza ishibhile, kodwa kukhona izingibe ezithile. Ngisho ne izinzuzo zezikhathi negative eside:

• iphesenti elikhulu;
• isitolimende sokuqala enkulu ngokwanele;
• Ezinye amabhange - buyiselo zakuqala;
• lapho ingozi kuyodingeka ukulungisa imoto ngemali yabo, kanye ukuze sivale lapho sisilela enye inhlangano;
• ngeke ukwazi ukuthenga imoto nge mileage.

Ungaluthola kuphi imoto loan evumayo ngaphandle nesigqoko sokuvikela ikhanda? sipho sakhe ukuze "UniCredit Bank", "Tatfondbank", "Rosbank", "Imithombo Europe Bank". Ukukhipha imali-mboleko noma cha - wonke umuntu uyazinqumela. Kumele ngokweqile, okuzoba ngaphandle kokukhipha umshwalense kuphawulwe. Futhi kufanele kube ujwayelene zonke umehluko wemisindo nemiqondo yamagama ukuthi kuzosiza ukuhlela imoto loan efanelekayo. isithakazelo Inenzuzo cishe njalo linendima ebalulekile.

Credit umlando

Ngokuvamile, amabhange ukukhipha isinqumo omubi ukuhlinzekwa kwezimali ukuthengwa umshini, okuyinto imbangela umlando omubi wokukweleta. Kodwa on the kungenzeka omuhle yokuthola imalimboleko imoto inyuka kakhulu. Futhi zenani abashisekeli. Ngisho noma lo muntu obolekayo ukule isikhathi sikulungele ukuba enze izinto ngendlela wemfanelo isikweletu ukubuyiswa kwemali, njengoba kulindeleke, akubona bonke amabhange alungele ukuba sibambisane naye. Kodwa namanje kukhona ezinye.

Ezinye musa ngisho acabangele negative Umlando wokukhokha kwemali. Kuphela ngaleso sikhathi kuyoba khona ephansi isithakazelo, imigomo nezimo. Ungase udinge ukunikeza eseduze noma ireferensi. Ngokuvamile loan imoto ikhishwa nge kwale mibandela elandelayo:

• iphesenti elikhulu;
• nokukhawulela intengo esiphezulu imoto;
• loan term iDemo.

Ngokuvamile imoto uku ifomu izibambiso ebhange. Ababolekisi adinga ukunikezwa nezinye izakhiwo ayalingana umshini izindleko. Kudinga isitatimende engenayo, ikhophi yencwadi yomsebenzi, inkokhelo yokuqala. Isinqumo sokuvuma isikweletu umlando omubi wokukweleta esithathwayo ngamunye, kubhekelwa ulwazi lwe-akhawunti mayelana amaklayenti.

loan imoto noma umthengi credit?

Nge yokufuna umshini kukhona umbuzo: "? Yini oholela kangcono - ukubolekisa auto noma umthengi credit" Ukuze siphendule lo mbuzo, kudingeka ufunde imigomo womabili amasevisi. Ziyahlukahluka kuye ngokuya, isithakazelo, amanani anikezwe.

Car ukubolekisa abe izinga ephansi - 10-17%. Lokhu kungenxa yokuthi kuleli cala, amabhange ngozi incane ngoba imoto uvezwa uhlobo eseduze phakathi naso sonke isikhathi amakhredithi. Kodwa loan imoto kukhona amaphutha amaningi. Ikhasimende bakhokhele ephakeme phansi yokukhokha ukuthenga CASCO ukunikeza izibambiso.

Umthengi credit kunenzuzo ngenxa yezizathu ezilandelayo:

• kungenzeka ukuthenga imoto kusuka umuntu yangasese, bese ungagcina;
• It akudingekile ukuba ingenzele umshwalense;
• ungakwazi lokuqala ngokukhokha iba ngaphandle kokuhlawuliswa.

Yini oholela kangcono - ukubolekisa auto noma umthengi credit, kukuwe iklayenti. Phela, amasevisi ezimbili yasebhange babe pluses yabo kanye minuses. Kuyadingeka ukuba ancike yengeniso, maturities nezinye izinto.

Ukukhetha sipho ezikhangayo

Uma wayefisa, londoloza ku ukuthengwa umshini kufanele kuthathwe ezinye umehluko wemisindo nemiqondo yamagama ku-akhawunti. Amabhange Ziningi iziphakamiso, phakathi lapho ungakhetha elula kunazo imoto sokubolekwayo. Kungcono ukusizakala uhlelo uhulumeni. Ngokwesibonelo, uma unayo imoto abaneminyaka engama 10, kungashiwo ayifake kabusha. Inikeza ilungelo lokuthola isitifiketi, owawuthi isaphulelo on ukuthengwa imoto entsha.

iphesenti okuphansi iyatholakala ku Savings Bank, "VTB 24" nezinye iinhlangano bayahlanganyela e uhlelo isimo soxhaso. Iklayenti unelungelo lokukhetha Russian noma angaphandle imoto umhlangano okuyinto kuveza eRussia.

Ngaphezu isithakazelo, kubalulekile ukuba banake ezinye izimo ngesikweletu ezithinta inani lokuthenga. Kwezinye izikhungo, kukhona imali yesicelo kanye ukubuyiswa kwemali ekuseni ezikweletini. Izinhlelo eziningi zidinga yomshuwalense umlingani inhlangano asebhange, ngoba yena kuyodingeka bakhokhe, futhi.

Kungcono cabanga iziphakamiso amabhange eziningana. Kufanele uqale ukubala inani inkokhelo yanyanga zonke, elithi loan. Kuphela uma uhlelo wanelisekile ngokuphelele, ungakhetha. Kuyadingeka ukuba zifunde ukwenza out ukubolekwa imali ziba ngconywana. Ngokuvamile, ngokweqile kuyinto esingaphansi uma ziphathelene ebhange, kunokuthembela gumbi.

Kuyadingeka ukuba kucacisa imininingwane ezifana ubukhulu lokuqala eyaphuma ngalo, kungenzeka buyiselo zakuqala ezikweletini. Ezinye amabhange fee ngoba esiza loan, vula i-akhawunti. Lolu lwazi kudingeka ukuba aqaphele ukubhalisa yesivumelwano.

amasevisi Brokerage

lesikweletu wabathengi noma abaxhumanisi ku zezezimali umkhakha. Nakuba abaningi ungafisi isicelo onguchwepheshe ezinjalo. Futhi ukuzonda ngesizathu esihle. Phela, ayoyikhetha sipho best phakathi labo abamelelwa. Izinzuzo ukusebenza broker zimi kanje:

• akhethiwe esekelwe izifiso uhlelo iklayenti;
• kukhona uhlelo search inenzuzo esifushane noma eside isikhathi;
• Ungasebenzisa izitolimende ngaphandle kwenzalo;
• iklayenti ayidingekile ngokuzimela bahlanganyele design imibhalo;
• Isazi weluleka amaklayenti ezindabeni zomthetho.

amasevisi Brokerage zikhokhelwa emva ukukhokhelwa. Iklayenti has ithuba kongiwa imali, njengoba uhlelo nenzuzo kuyakhethwa. Nge ngokubambisana neNhlangano nomdayisi ku isicelo ngokuvamile enikeziwe isinqumo esihle.

Ophike ethola evumayo imoto loan?

Kunezimo lapho kunqatshelwe evumayo imoto yemali ebolekwayo:

• uma ungenayo imali eyanele ukuba ukuxhuma uhlelo zesikhashana;
• Umshini esenziwa eminyakeni engaphezu kwengu-10 edlule,
• imoto asekhaya esenziwa eminyakeni engaphezu kwengu-5 eyedlule;
• imoto eziphansi;
• CASCO akwenziwa;
• iklayenti akabashiyi imoto njengoba izibambiso.

Uma ufuna ukuthenga esetshenziswa noma imoto ezishibhile, kungcono ukuba ukhethe loan umthengi. Lokhu kuyokwenza ugcine kakhulu wena hhayi ukuba ingenzele incwadi izinkonzo eziningi ezengeziwe. Uma uya ukuthenga imoto entsha, ephelele imoto sokubolekwayo.