Ukuqashwa: zonke ezicashile ukuthenga

Kubantu abaningi into bazimisele ukuthenga ekuqaleni ukuphila layo ezimele, kuyinto imoto. Thenga imoto omuhle ungethele ukusithenga. Imoto iyindlela esisemqoka ukunyakaza, ikakhulukazi uma isetshenziselwa ukufuduka uya noma ubuya emsebenzini nge uhambo njalo. Ngokuba esigabeni abantu abanayo imali eyanele ukuthenga imoto, okukhiphayo kuyoba imoto in izitolimende. Empeleni, le nqubo kuba loan ngaphandle kwenzalo ukuthengwa lolutsite semoto.

Umlando omncane

Ngokokuqala ngqá ukunikeza loan entshisakalweni khulula ukuthenga imoto ukukhuluma ekuqaleni kwawo-80-yalolucwaningo ka XX leminyaka. Phakathi nale nkathi omunye automakers ezinkulu American benquma ukuthengisa imikhiqizo yabo, ukuhlinzeka izimo ezikahle ukuze ukhokhe kumakhasimende abo. Uma umuntu akanayo imali eyanele yokuthenga imoto, wathenjiswa ithuba lokwenza imali ngesikhathi esisodwa, kanye lemali esele zabelwe inombolo ethile izinyanga. Le ndlela njalo ngcono, futhi ngokushesha inkampani isibe bemthanda izimbangi kanti izwe baqala ukukhuluma le loan sokuqala entshisakalweni khulula ukuthenga imoto - kungenzeka ukuthenga imoto in izitolimende.

Isiphetho sendaba kwaba ukuthi ingxenye alukho imali ngoba inkampani imoto umthengi ngokwakho, kodwa ke uthumele nabo izikweletu ebhange. Ýkhasýmende isikhungo ukuze ahlenge izikweletu hhayi ngokushesha hhayi lonke inani, futhi isaphulelo. Ekuqaleni, ngoba umthengi imoto kufanele wenze hhayi ngaphansi kuka-30%. Inani imali entry ziyahlukahluka, ke luncike isikhathi izitolimende enikeziwe.

Ezweni lethu ithuba ukuthenga imoto entsha in izitolimende lesiRotuma.

Umehluko phakathi izitolimende kanye loan

Credit futhi isitolimende ukuthenga imoto, empeleni kukhona imiqondo iyafana. Kuyinto Kunoma yikuphi, eboleka imali yokuthenga imoto, kodwa uma ubheka, banayo umehluko:

1. Isikhathi. Le mali ikhishwe isikhathi eside, ezivame kakhulu nesivumelwano sokubolekwa imali ka 5-10 edlule, kuyilapho inkontileka sokuthengisa we yokuqasha imoto ngokuvamile unyaka owodwa, noma ngisho izinyanga eziningana.
2. Izinga lenzalo yemali mboleko emalini ebolekwe auto ngokuvamile kuba 15-20%. Kusukela izikhangiso, singaphetha ngokuthi isitolimende ikhishwa njengenhlangano loan entshisakalweni mahhala, kodwa abathengi kufanele uqaphele ukuthi kusala alikho zero senzalo, ekuphetheni lesi sivumelwano liseduze kakhulu kuqanda, kodwa akuyona. abasebenzi Bank zithi izinga isitolimende kuyinto 0.5% noma 1%.
3. Inkokhelo yokuqala. Lapho uthenga imoto ngesikweletu, angase abe ngaphansi kuka-10% ukubaluleka izimpahla. Car isitolimende ukudayiswa yenziwa ngokwenza umnikelo kokuqala okungenani 20-30%, futhi ezimweni eziningi, nokungu-50% yazo zonke lezi zindleko.

izimpahla ukuqasha ukuthenga kuhilela ukukhokhelwa isizumbulu ngesikhathi esisodwa, kanye izikweletu ezisele ikhokhelwa by izitolimende, lonke isikweletu ukuba ibuyiswe sinjani onyakeni owodwa noma emibili okungenani.

Ubani onelungelo ukusayinda isivumelwano

Entsha abantu imoto eqashiwe ukuthenga abangase babe amakhasimende emabhange kanye ungene ezivumelwaneni nazo, egameni layo. Lapho uthenga imikhiqizo kule showroom kanye yokungakhokhi omhlaba wonke umshini izindleko isamba imali luqede ngenxa inkampani, kodwa kwakuyiyo yonke izikweletu idluliswe ebhange ngawo umthengisi isiphethe inkontileka.

Kunoma ikuphi, umthengi kumele bakwazi futhi yobudala esemthethweni. Kulokhu, engu umngcele ibalwa ngokuvumelana iminyaka emingaki kuzoba umthengi ngesikhathi ekukhokhweni engxenyeni yokugcina izikweletu. Ngakho, ngaleso sikhathi kuthengiselana isakhamuzi akumelwe kube abaneminyaka engaphezu kuka-64 kanye izitolimende inkontileka unyaka owodwa hhayi abadala kuka-63 eminyakeni - amabili.

Imibhalo main adingekayo kuthengiselana

Ukuze ukuthenga imoto in izitolimende, kufanele ulethe kumadokhumenti elidayisa umsebenzi. Kuyinto mancane kakhulu kunalawo ukucutshungulwa loan, futhi siqukethe izibambiso ezilandelayo:

• Isicelo ithuba lokwenza inkokhelo izitolimende.
• Ikhophi ipasipoti we isakhamuzi Russian Federation, ofisa ukuthenga imoto.
• Ikhophi ye umthengi yokushayela.

Imibhalo eqinisekisa solvency umthengi, ezifana ikhophi yerekhodi umsebenzi noma engenayo isitatimende, ekuphetheni lesi sivumelwano ayidingekile.

izingibe

Njalo umuntu banquma ukuthenga ikhomishana ngaphandle kobukhona ukubaluleka avelele imoto, kufanele baqonde ukuthi imiphumela yokungabi ezenzakalelayo ku yokukhokha izikweletu lungase lube lukhulu ngokwengeziwe, kuze kube ukuhoxiswa umshini. Thenga imoto in izitolimende ngaphandle kwenzalo kungenzeka kuphela isakhamuzi onendlu engenayo ezinzile.

Umthengi kumele bakuqonde ukuthi ukukhokha izikweletu, ayengakwenza kuphela ngonyaka noma kuze kufike ezimbili. Gwema ekwenzeni izinkokhelo engenakwenzeka. Ekuphetheni inkontileka isimiso isitolimende izinkokhelo. Uma umuntu umthengi imoto, abakwazi ukwenza inkokhelo, it is ezisengozini hhayi kuphela ukubiza inzalo emalini esele emuva, kodwa futhi kabusha e loan entsha. Ngokuvamile e inkontileka imigomo isitolimende kukhona umshwana, owawuthi uma ukubambezeleka yokukhokha yesamba okungenani ngosuku ngokuzenzakalelayo inkontileka loan imoto ngesilinganiso hhayi ngaphansi kuka-15%.

kanjani izimo izitolimende

Uma umthengi sintula ethile ukuze ukugcwaliseka amaphupho akhe, angathenga imoto in izitolimende. I Kusayinwa isivumelwano elidayisa, okuyinto ukudayisa imoto. kakhulu zincike esimweni kwezivumelwano gumbi ukuphathwa nezikhungo yasebhange, kanye malini auto ukulikhokhela ebhange ngokusipha leli thuba amakhasimende abo.

Njengoba imalimboleko entshisakalweni khulula, eqinisweni, alikho, umthengi kumele uqonde ukuthi okungenani isigamu iphuzu iphesenti, kodwa auto wena okhokhela isikhungo sezezimali. Kukhona futhi izimo ukuthi umthengi kumele enze ngoba isiphelo sesimiso inkontileka ngenhla. Ukutholakala umshwalense. uhlelo Isitolimende, empeleni ingumkhiqizo izinhlangano ezintathu: showroom, amabhange kanye izinkampani zomshuwalense.

Ngaphansi izimo ezikahle ngokuvamile uwela umfuziselo ezithile imoto, okuyinto ekhetha kumthengisi. Khona-ke, esigabeni se- "umdlalo" engena ebhange nge lapho izimoto esungulwe ubudlelwane ngokubambisana. Banking isikhungo okhokhela umfuziselo ethize at isaphulelo, futhi ngokuvumelana izitolimende umthengi kubonisa ukushaja okugcwele. Lokho umehluko phakathi izindleko ingqikithi imoto intengo ehlisiwe iyona imali yangempela ebhange ukuthengiselana.

Ngokuvamile, lapho uthenga umshwalense imoto liyadingeka ukuthi umthengi umshini ecebeni isitolimende izobiza 2-3% ngaphezulu ezibizayo.

izindleko ezengeziwe

Njengoba egqunywe lapho, inzalo-free nesivumelwano sokubolekwa imali lapho uthenga imoto kuyadingeka ukukhipha umshwalense. umshwalense eziyisisekelo izimoto eRussia - "Hull" futhi "CTP". Imali okumele zikhokhelwe, kuncike ezicini ezihlukahlukene: sha futhi imodeli imoto futhi imodeli ngonyaka. amaphrimiyamu High kunqunywa for ezibizayo izimoto sokunethezeka kanye izimoto ezemidlalo.

Ngaphezu izindleko yomshuwalense imoto in izitolimende kuzodinga izindleko ezengeziwe for udaba lwama-akhawunti yasebhange ekwenzeni izinkokhelo. Kuyinto sadlala $ 10 ruble ayizigidi ezingu-20 ukuze wokuvula akhawunti asebhange kanye ukukhiqizwa amakhadi.

Ukuthenga b / imoto ngesikweletu

Ngokusho kochwepheshe, imoto ngokushesha ngemva ophumayo kusukela gumbi ilahlekelwa 20% ngokugcwele, futhi eminyakeni embalwa - kwesigamu inani. Ayikho into ezingezona ezemvelo e isifiso sabantu ukuthenga imoto. Ithuba ukuthenga izimoto bu in izitolimende olunikezwa amabhange amaningi, kanye nabathengisi ngokwabo izimoto esetshenziswa. amabhange setha yobudala imikhawulo umshini, amakhasimende-abantu nokunikeza leli thuba, kungakhathaliseki imodeli ngonyaka izimoto. Isitolimende yasebhange inikeza ezimweni lapho yobudala izimoto zokukhiqiza yasekhaya - hhayi iminyaka engaphezu kuka-5, futhi angaphandle - hhayi ngaphezulu kuka-10.

Izimoto ukudayiswa in izitolimende zitholwa Sangena inkontileka sokuthengisa kwaphawula "izitolimende". Lapho senza inkokhelo kuyadingeka ukuze ucacise inzuzo yangempela izimpahla, ukuze uma unezinkinga izinkokhelo akudingeki kufanele alahlekelwe yimali.

Ingabe isitolimende nenzuzo

Car ukuthenga loan entshisakalweni khulula noma izitolimende nenzuzo kuphela esigabeni kubantu abe imali enhle ozinzile futhi akhokhe lemali oyifunayo isikhathi. Noma ubani oye wachitha imisiwe nokukhokhwa izikweletu, ungathola izigqila ezingenathemba.

Ngaphezu ingozi, isitolimende has Okuhle kuphela: inqubo lula for indondo yesivumelwano, kufanele ulethe ubuncane kwemibhalo ukuze acutshungulwe isicelo, igama elithi yokukhokha incane, bavunyelwe buyiselo zakuqala ezikweletini.

Evuma nge ethile esinhle

Umtsetfo loshayiwe uniketa tindlela ngoba uhlelo lapho ufuna ukuthenga imoto in izitolimende ne okuthiwa isikhathi somusa. Isebenza lapho uvula i-akhawunti benethuba ukusetshenziswa ikhadi plastic. Nge umthengi imoto isikhathi esithile yesivumelwano ngeke ukhokhiswe inzalo loan. Ngaphandle kwalokho, ungenza yisiphi isamba, noma ngabe kakhulu angaphezu kwalawo aboniswe e ishejuli yenkokhelo.

Ngokuvamile, isikhathi somusa enjalo ihlala unyaka owodwa, uma umthengi ukhokha lemali egcwele izindleko imoto phakathi nalesi sikhathi, empeleni kuvela ukuthi wathenga imoto in izitolimende.