Luyini uhlelo of okukhethekile imoto loan?

imoto Okuyimfihlo - kuhle ukuphikisana lasho amazwi anjalo abakwazi wonke umuntu. Nokho, lokhu kuthenga akuyona ezishibhile, uziphe ukubheka Motor Show abakwazi konke bakithi. Yingakho njalo ngonyaka is kuyanda imoto loan izinhlelo kungenziwa ngempela ehlukahlukene. Futhi, kwaphela iminyaka eminingana, kukhona okukhethekile uhlelo loan imoto ngoba abaseRussia. Nokho, izinto zokuqala kuqala.

Kanjani ukuthola loan ku imoto

Kuze kube manje, kukhona izindlela ezintathu ukuthenga imoto ngesikweletu ukuphi. Uhlelo Car:

Basic. Lolu hlelo iyafana obolekisayo evamile umthengi. It ikuvumela ukuba ukuthenga e ukusetshenziswa kokubili izimoto ezintsha futhi asetshenziswa, futhi akubalulekile, kuba production ezifuywayo noma angaphandle. Kusukela ngesikhathi kokuthola izimali umboleki unikezwa izinsuku ezingu-90 ku-Ukukhetha nokuthenga imoto. Emva kokuthenga imoto iba isiqinisekiso ebhange. Inani loan ithemba kungaba ruble angu-5 million, futhi inani lenzalo eliphezulu njengoba u-20%. Imali uhlelo eziyisisekelo imali imoto ayatholakala kufika eminyakeni engu-5.

Nxusa. Lokhu kukhetha cishe avtosubsidirovanie efanayo eyisisekelo nge umehluko kuphela nokuba ukuthi kungenzeka ukunciphisa ezinye intela yemali loan, uma uthenga imoto ekamelweni, okuyinto umlingani ebhange obolekisayo. Lolu hlelo has bokwenza eziningana:

• ukuthenga esetshenziswa car ngale ndlela ngeke iphumelele;
• ukukhetha uvinjelwe kulabo onobuhle ethulwa endaweni Showroom ethize;
• kudingeka ulungiselele banikela kokuqala okungenani u-20%.

Uhlelo isimo of okukhethekile imoto loan. Inani loan isimiso esinjalo kungase kube-85% yezindleko imoto, kodwa awukwazi ukudlula ama-ruble ayizigidi 800.. Nesikhathi - hhayi iminyaka engaphezu kuka-3. Ingqikithi uhlelo okukhethekile imoto loan kuleyo ngxenye inzalo loan ophindisela isimo wena, okuyinto kwehlisa inani lenzalo ngoba lo muntu obolekayo. Izinga imixhaso zinto kusho engaphansi ngokuphelele CBA refinancing izinga Kodwa esimweni ngasinye ingase ibe khona ehlukile.

Imininingwane zomlando

Preferential uhlelo loan imoto yaqale ihlolwe Russian Federation ngesikhathi 2009 crisis. Lesi sinqumo, kanye uhlelo kabusha izimoto ezindala kwakungisiza ukuba ngingagxili ntanta automakers yasekhaya futhi kakhulu uthuthukise ngoxhaxha abaseRussia. Nokho, uhlelo lokuqala oyithandayo imoto loan kwadingeka eziningi amaphutha:

1. It ekuqaleni eklanyelwe ukusekela inkampani "AvtoVAZ", njengoba izindleko isilinganiso izimoto yalesi brand akazange idlule ayizinkulungwane 350. Ruble.
2. Umumo, evunywe i-Ministry of Industry ngokuba ukuqaliswa kohlelo, kwaba amagama 10 kuphela, ngakho umthengi ukukhetha okuningi akatholakalanga.
3. Esinye isici engakhi umbuzo uwukuthi yokukhokha ngempela high kokuqala - okungenani u-30% we ukubaluleka emotweni. Beka inani elifanayo ngesikhathi esifanayo ungakwazi ukukhokhela hhayi wonke umuntu.

Noma kunjalo, nge kwesikhathi, lolu hlelo kwakuqala ukwanda okukhulu, inkokhelo kwasekuqaleni ngesigamu, bese uhla yandile izikhathi eziyisihlanu. Namuhla singasho ngokuqiniseka ukuthi uhlelo okukhethekile loan imoto yindlela ethandwa kakhulu ukuthenga imoto siqu. Nokho, ngezinye izikhathi ezihlukahlukene avtosubsidirovaniya hlelo wayeka ke futhi liqale, futhi kwaba mpikiswano okuningi ngokuthi yini ukuqhubeka ngokuzayo ngosuku olwandulela 2015.

Uhlu olusha izimoto

Naphezu kweqiniso lokuthi isimo somnotho lwamanje ngempela engazinzile, ne-April 1, 2015 wathola uhlelo olusha okukhethekile imoto loan. Uhlu auto wandisa ku-50 izikhundla, Nokho, owethulwa isimo esisha: imoto aluthola ngokuba isimiso esinjalo kufanele kube-2015.

Ngakho, kusobala ukuthi uhlu izimoto ahlinzekwa ukuze ithengwe ngonyaka lwamanje ngempela okukhulu akupheleli onobuhle yasekhaya.

Auto Loan Imigomo

Ngo-2015, futhi washintsha futhi ezinye izidingo ngenxa yokucucuza imoto loan ku ezimvunayo:

• intengo ingqikithi imoto uthenge ngaphansi kwemigomo ye abolekise concessional, akumele seqe ruble 1 million;
• esiphezulu lemali kungenzeka imalimboleko - ayizinkulungwane 800 rbl;..
• kwenani elincane loan kungenziwa kunqunywa yasebhange uqobo;
• Ukubolekwa kwemali zitholakala kuphela ruble Russian;
• imoto ukuthi ikhasimende uhlose ukuthenga, kufanele eqoqwe endaweni Russia;
• iloli ngeke ukwazi ukuthenga ngendlela, njengoba mass ingqikithi imodeli oyikhethile ayikwazi ukudlula 3.5 amathani;
• loan ingakhishwa isikhathi esingeqile ezinyangeni eziyi-36 (iminyaka engu-3);
• Imoto ethengelwe akumelwe ziye ngaphambili ikhishelwa umuntu wemvelo futhi ibhaliswe (ukubhalisa) ngokuhambisana nomthetho Russian;
• abolekise izinga ibalwa njengoba umehluko phakathi inani lenzalo lokuvela yesivumelwano inhlangano yezimali, kanye izingxenye ezimbili kwezintathu izinga refinancing of Central Bank of the Russian Federation ngesikhathi kucutshungulwa loan;
• ukubuyiselwa imali usebenza kuphela fixed eside zenzalo;
• kusengaphambili (phansi lokukhokha) 20%, kodwa kungase kube ngaphezulu (ngesicelo umboleki);
• Credit ungenziwa kuphela uthole izakhamuzi zaseRussia.

Injani Izinga lenzalo

Ngakho, okukhethekile uhlelo loan imoto inikeza isinxephezelo kuphela ingxenye inzalo loan, incike wamanje refinancing izinga ezamukelwe ngu Central Bank of Russia. Buciko izibalo ezilula, ungase uzithole, bangaki kufanele ukhokhe esimweni ngasinye. Ukuze wenze lokhu, sebenzisa ifomula elula:

IHu = Ac - 2/3 x Ref, lapho:

• IHu - yaminyaka yonke senzalo;
• GC - inani lenzalo e ukusebenza ngesikhathi sokubhalisa imalimboleko ngaphansi kohlelo ejwayelekile abonge;
• Ref -% refinancing yi CBR ngesikhathi sesiphelo sesimiso inkontileka.

Kusukela ngomhla ka-01.04.2015, izinga refinancing kuyinto 14%, okusho ukuthi ingxenye ukuyithola thereof is 9,33%. Ngakho, uma uxhumane ebhange enikeza loan imoto ku-20% ngonyaka, usebenzisa isimo izinhlelo inzuzo, uzokhokha isamba 10,67% ngonyaka. Yiqiniso, amazinga base nhlobo amabhange zihlukile, ngakho esimweni ngasinye umphumela ukubala zizohluka.

I timo letisisekelo loan imoto

Ukuze loan imoto ngesikhathi uhlelo esincishisiwe, umboleki akuyona eziphoqelelwe nanoma yiziphi izidingo ezikhethekile. Yiqiniso, lomfula has imithetho yayo siqu, kanye nezimo kungase kube ethé ukuhluka kancane, kodwa portrait isilinganiso umboleki simiswe ngalendlela lelandzelako:

• Isakhamuzi we Russian Federation hhayi ezingaphansi kuka 21 futhi akukho abaneminyaka engaphezu kuka-60;
• It has a endaweni unomphela umsebenzi okungenani eziyi 6 ezedlule;
• kubhaliswe futhi uhlale kulezi esifundeni isevisi yasebhange esithile;
• bakwazi ukuqinisekisa khona imali ekahle eyanele ukuze lokukhokha nyangazonke.

Ekusebenzelaneni kwethu, singasho ukuthi kukhona izinketho 2 kuphela, okungase waphika avtossud oyithandayo yilezi: umlando credit ezimbi futhi phambi kwezingane ezingaphansi kweminyaka engu-izinyanga eziyisithupha (kwabesifazane).

izimfuneko

Naphezu kweqiniso lokuthi uhlelo okukhethekile loan imoto ibukeka cishe okufanayo kuzo zonke izikhungo yasebhange, ezinye nenqubo zona kungenzeka zisalokhu zingenazo ukuhluka:

• isizinda abolekise isilinganiso (omunye okuzokwenziwa uxhaso emalini);
• isikhathi esincane okuyiwona loan senziwa;
• izimfuneko umboleki, maqondana ubude isevisi kanye nomholo;
• isidingo eseduze eyengeziwe noma yisiboniso Luhambo;
• inani lemali elincane loan;
• isidingo ukubhalisa (ukubhalisa) ka okweletayo esifundeni, lapho loan ikhishwa.

amadokhumenti

Ngokuvamile, uhlelo okukhethekile imoto loan kusho ukuthi umboleki madokumende alandelayo:

• iphasiphothi yomphakathi umboleki, kanye nomkakhe (umyeni wakho), uma kwakungenzeka ukuba okweletayo ushadile;
• kwemvume ebhaliwe yenye womshado ukuze uthumele imoto njengoba eseduze ebhange;
• ilayisense yokushayela (uma ekhona);
• Ingemuva 2-PIT (imali);
• sicashunwa incwadi zabasebenzi, eqinisekisiwe ngokusemthethweni endaweni wokugcina umsebenzi;
• inkontileka yokuthengisa noma i-akhawunti isitifiketi gumbi, okubonisa ukubaluleka emotweni.

Ngenxa yokuthi inhlangano ngayinye uqhuba ayo Inqubomgomo credit, uhlu kwemibhalo edingekayo kungaba nemikhuba yazo ihluke kakhulu. Nokho, umthetho engabhaliwe okwakudingeka ukuthi emifushane ethemini loan futhi isikhathi eside inkokhelo yokuqala, the ephansi izincwadi ezidingekayo Bank.

Lapho ukudweba loan enjalo?

Ngakho, kuyini uhlelo okukhethekile loan imoto, ucishe ecacile, futhi lapho kungenzeka khona ukukhipha loan enjalo? Kuze kube manje, uhlu amabhange eRussia, ukunikela ukusizakala izinkonzo ezinjalo namanje akachaziwe, ngakho esimweni ngasinye kufanele kube ukucacisa ukuthi kungenzeka ukuthola ukuxhaswa uHulumeni. Nokho, singasho ngokuqiniseka ukuthi kulolu hlu isikhathi eside futhi, ekupheleni kuka-2014, sasifana nokuthi izinhlangano ezingaphezu kuka-130. Phakathi kwabo:

• Sberbank.
• "VTB 24".
• "Uralsib".
• "Gazprombank".
• "UniCredit Bank".
• Bank "Saint-Petersburg".
• "NamaSoviet" ebhange.
• "AK BARS" BANK;
• Bank "BTA-Kazan" kanye nabanye abaningi.

Ngakho thola inketho ofanele futhi ukusizakala okukhethekile uhlelo imoto abolekise eRussia ngo-2015, ngeke kube nzima.