Kanjani hhayi ukuthenga loan imoto futhi aqaphele umkhonyovu?

Akuwona wonke umnikazi imoto othenga imoto ngesikweletu, ngobuqotho wagcwalisa izibopho ayo ebhange. Othile ngenhloso "ulahlekelwe" PTSD futhi wathola iyimpinda, ukuthengisa imoto yakho, kanjalo dooming a lomthengi seqiniso ngoba inkinga engathí sina. Emva kokuthenga izimoto, njengoba sazi, kuba ubunikazi yebhange kuze, kuze isikweletu phindisela ngokugcwele. Uma uthenga imoto alikho gumbi, ingozi eliphezulu kakhulu agijimela inketho okunjalo. Ngakho-ke, abathengi ezingaba kudingeka uqaphe kakhulu. Kulesi sihloko sizoxoxa indlela yokugwema credit ukuthenga izimoto.

Umthetho Ongekho ngasohlangothini lwakho

Njalo gcinani lokhu engqondweni ngaphambi kokuthenga umshini. Uthenge kusuka umdayisi ngokungethembeki imoto kungokwalabo yasebhange (okungukuthi, e isibambiso). Uma izinkokhelo mortgage uzoma ukwenza, ibhange kuzothatha imoto ngokwami. Ngisho noma umnikazi omusha wenza ukuthenga ngokomthetho, inkantolo ziyonikela kuye ukufaka yicala ngokumelene waseLenasia, futhi zona kanye izimoto ukunikeza umnikazi wangempela.

Uma unquma ukuthi bafuna ukumangalela, kuzokwenza kube nzima kakhulu. Okokuqala, Spy ngokuvamile udonsa nguye ofanelwe udumo ngenxa emphakathini amathuba umuntu futhi ukumkhokhela ngoba ukusetshenziswa iphasiphothi. Ngokuvamile awela kulesi sigaba abangenamakhaya. Kusukela 'ngenkosi' enjalo ongenalo ngisho delves zibe nezinhlelo loan ezimotweni, kanye nenani isithakazelo wena cishe futhi ngingafune kufeza lutho. Lokhu scammer efanayo ubalekela kweso, futhi kuye kube nzima. Inani Okwesibili, inkontileka yokuthengisa kungenziwa ubhalisele incane kakhulu kunaleyo zangempela. Futhi uma umnikazi imoto ngeshwa uthenga imoto ngoba izinkulungwane 300, njengoba sishiwo encwadini yesivumelwano ayizinkulungwane 100, ukuthola okuthile okwengeziwe yayingakwazi. Ngakho-ke njalo ebekiwe inkontileka empeleni waninika lemali.

Siyaqaphela imikhonyovu

Into esemqoka ukuthi kuletha abathengi ezingaba - kuyisifiso ukuze uthole imoto entsha ishibhile kuka intengo yayo yangempela emakethe. Abantu abanjalo ngisho nokuwabona ukuthi kukhona izimemezelo, okuyinto ezicashe ezivamile isifihlwa credit imoto ukudayiswa. Ngakho uma othile ekunika ukuthenga brand new "Mercedes" noma "Ford", eziqhutshwa cishe nge mileage ubuncane by 10-15% ngezansi amanani isilinganiso emakethe, kuba isizathu sokukhathazeka.

Phakathi luhlolo lokuqala umshini ukubuza umninikhaya ukuthi wamiswa ngokushesha emva kokuthenga. Uma indoda yathatha imoto naye, khona-ke kumelwe abeke ezinye imali imishini ezengeziwe, ezifana navigation noma mkhosi. Uma umnikazi wemoto ekuqaleni wathenga ngenjongo kabusha, khona-ke splurge kwi "dopa" ke ngeke.

No kancane osolisayo, kanye neqiniso lokuthi imoto alibonisi umnikazi elicacisiwe TCP (lokhu kungase kusho ukucutshungulwa loan for "ngephutha" ipasipoti). Kwezinye izimo, umnikazi ingathola for kokusayina inkontileka, kodwa akazange ahlale beshayela ungangemuki imali. Bonke laba bayokwakha ukubhekana umlamuleli. By the way, nge high okungenzeka "umnikazi" ngeke ibonise imibhalo yakhe.

umthengi Abazama ngubani akazi ukuthi yini ukuthenga ngesikweletu izimoto, tshela nesilokozane indaba, echaza isidingo ukudayisa izimoto cishe entsha. Ngokuvamile kuba eyisihlobo isifo, noma izinkinga ebhizinisini. umuntu Bayabethemba Yiqiniso, ababezokukholwa.

yokuqinisekisa kwemibhalo

Esikhathini Ikhredithi umshini, abazama kabusha, cishe ngaso sonke isikhathi isethi efanayo amadokhumenti: isihloko impinda (ithi elahlekile, kodwa eqinisweni okokuqala asebhange) kanye ukungabikho inqubomgomo CASCO. Ngaphezu kwalokho, kukhona lokungafani enegama idatha umdayisi TCP.

Indlela yokuzivikela?

Ngisho uma wazi kanjani ukuthi ngeke sithenge loan imoto, akukho ukuvikeleka ngokuphelele ebugebengwini. Kodwa zikhona izindlela eziningana ukuthi ungakwazi ukuvimbela idili ezingabazisayo. Ungacela umdayisi ukuqinisekisa isibalo TCP kusukela umngane omgwaqo. Ngisho noma ungeyena abayijwayele, ubugebengu uzobona kule "usongo" futhi ngokushesha "ukuhoxisa" nesiphakamiso.

Enye indlela enokwethenjelwa kakhulu ukuhlola - ucele ukubuyekeza inkontileka yokuthengisa yoqobo idokhumenti yokukhokha eqinisekisa ukuthi umnikazi kukhokhelwe imoto ngokheshi noma nge-EFT.

Enye ngezindlela ezimbili

Ingxenye esigcwele izindleko inkontileka - lokhu ingenye amaqhinga ethandwa kakhulu esetshenziswa imikhonyovu ngokuthengisa credit izimoto. Sales eMoscow, eSt Petersburg nakwamanye amadolobha amakhulu, ekuboneni nezigameko eziningi lokukhwabanisa kuphela kuqinisekisa ke. Ngakho qaphela! Inkontileka ukuthenga njalo abonisa izindleko egcwele ukuthenga imoto.

Ekugcineni, uma akwazi ukuwela nomthengisi yangempela (okuthiwa e-TCP) Khona-ke, ngokubuza imibuzo ehamba phambili, ungakwazi ukuthola ncamashi kungaba umshini. Ngokwesibonelo, ungabuza mayelana umshwalense noma umsakazo, inani indlela yabo ukusetha okhiye, kanye indawo ingaphakathi, wathengisela "yensimbi ihhashi".

isiphetho

Manje ngoba sewuyazi ukuthi kanjani hhayi ukuthenga loan imoto. Ukuthola izimoto ezifana - ingozi yangempela isuke elabo abathengi abaningi ezingaba khona. Ngakho-ke ungakhohlwa mayelana ukuqaphela lapho ethola izipesheli ezuzisayo edayisa intengo. Umdayisi abazihluphayo akesabi isheke olunzulu, kodwa kwengobe uyobheka isisulu ukuzikhohlisa ngaphezulu.

By the way, credit imoto ukudayiswa ingenziwa ngokufanele. Ubuza ngalokho okudingeka uyenze? Akukho okukhethekile! Kulokhu, umthengisi nomthengi uya ebhange, kanti isixuku esikhulu liyakukhokha kuphindwe ibhalansi yemali ebolekwayo. Ngemva sokukhokhwa inqubo isuke isithole yonke imibhalo emshinini bese uba umnini wayo. Ngakho ukuthi kungenzeka ngaphansi kwezimo ezinjalo ukuthenga ngesikweletu izimoto. Estate Kulokhu zizokwenziwa umdayisi ukuya empini ngenxa kanembeza.