Ngo okuyinto ibhange inzuzo kakhulu imoto loan?

Manje omunye imikhiqizo yasebhange ethandwa kakhulu kuyinto loan ukuthenga imoto. Linikeza izikhungo eziningi ngokwezimali ezihlukahlukene izimo amaklayenti kahle kakhulu. Noma ubani ihlela ukuthutha nokuzuza, kuyathakazelisa ukwazi lapho ungathola elihle kunawo imoto loan, ngoba izimo amabhange ezahlukene kungahluka kakhulu. Umncintiswano ushukumisa izikhungo zezimali ukuthuthukisa izinhlelo kangcono izakhamuzi. Namuhla yonke imoto yesibili wathenga ngesikweletu, ngakho singaphetha mayelana ukuthandwa ukubolekisa ukuthengwa imoto. Amabhange ngenkuthalo babambisane wabenza imoto, amazinga aphansi ukuheha nezithameli zakho.

ukubolekisa Car eRussia: Izici eziyinhloko

Ngamunye umkhiqizo yasebhange has izici zayo siqu, kuhlanganise enenzuzo kakhulu imoto loan. Ngayiphi ibhange amazinga aphansi nemibandela abaqotho inkokhelo encane kokuqala - futhi lapho kudingeka akhiphe kuthengiselana. izikhungo zezimali zanamuhla njalo izinhlelo ezintsha for the izakhamuzi.

Car Loan yilona target ukubolekisa umthengi kuvikelwe ngazo izenzo wathenga umshini. Ngenxa yokuthi imoto kuyoba emabhange isibambiso zidinga inqubomgomo yokubhaliswa CASCO. izakhamuzi eziningi zikholelwa ukuthi inzuzo kakhulu imoto loan - yiwo lapho akudingekile ukuthenga umshwalense. Kukhona izinhlelo akudingeki-ke, kodwa kulokhu iklayenti ulale zonke izindleko ukulungiswa, uma imoto ingena engozini futhi ubuhlungu. Ngaphezu kwalokho, lezisekelo avtozaem sikebhe ngokuvamile has ukhokhe inzalo enkulu.

izinhlelo loan imoto anezici ezithile:

1. iklayenti ngokuvamile angawutholi imali, basuke ngokushesha idluliselwe elidayisa lapho ukuthengwa senziwa.
2. amabhange Iningi ukunikeza loans kuphela ngemva umthengi izofaka idiphozi okungenani ngo-10% we ukubaluleka imoto.
3. Ezokuthutha ihlala eyisibambiso ebhange nje iklayenti akusho abuyisele ngokugcwele izikweletu.
4. TCP imoto lilondolozwe ebhange ngaphambi lokuvala yesivumelwano.
5. Cishe njalo adinge ukuba wenze umshwalense ebizayo CASCO.

Izakhamizi abahlela ukuthatha loan imoto, izimo ezikahle kakhulu tingafundziswa uma ikhasimende uzokwenza inkokhelo yokuqala. Kungenjalo uyoba akhokhe inzalo ngesilinganiso ephakeme. Ukuntuleka kokukhulumisana Hull kwandisa izindleko loan 3-5% ngonyaka.

yesibonelelo sikahulumeni

Kukhona umkhiqizo esiyingqayizivele - the best imoto isikweletu soxhaso wombuso. Anikeza ke, hhayi zonke izikhungo zezimali kanye uhlelo kamongameli. Ngaphansi kohlaka ukunikezwa ukuthenga imoto zingaba eRussia. Kukhona futhi ezinye onobuhle amazwe angaphandle, okuyinto ziqoqwa ngesikhathi izitshalo ezifuywayo, ungathola elihle kunawo imoto loan Rostov, eMoscow nakwamanye amadolobha.

Umxhaso kuyinto isinxephezelo ezimbili kwezintathu inzalo emalini ebolekwe imoto. Kulinganiselwa ngu izinga Central Bank, okuyinto ethatha ngesikhathi kuthengiselana. Ngokwesibonelo, iklayenti ihlela ukuthenga imoto ngesikweletu kusukela Sberbank, lapho izinga ejwayelekile - 13,5-18%. kuyodingeka bakhokhe at umboleki 6.5-7% ngaphansi Ngokusekelwa isimo kuyadingeka. Ngenxa yalokho, ezokuthutha ishibhile kumakhasimende kanye namabhizinisi yasekhaya ukudayisa imikhiqizo yabo.

Ngaphansi kohlelo, sikahulumeni ukuthenga imoto kuze kufinyelele 3.5 amathani futhi kubiza ruble akukho kuka-1 million 150 ayizinkulungwane. IBhange inikeza akukho kuka-90% izindleko zokuthutha. elithi loan kulesi siphakamiso - iminyaka engaphezu 3.

Okuzuzisa kakhulu loan imoto: Ngenani eliphansi

Omunye izinkomba ezibalulekile kakhulu amakhasimende encane ngokweqile isivumelwano sesikweletu. Ukuze uzwisise ukuthi yini nemali ethile kuyodingeka bakhokhe izindleko ngokweqile emotweni, ungasebenzisa wokubala loan, okuyinto ekhona kumawebhusayithi kwezikhungo kakhulu ngokwezimali. Ngaleli thuluzi ungakwazi ukubala umthwalo isabelomali lapho isicelo loan futhi wabona ngokucace bha ubukhulu ngokweqile.

Ukuthengwa ukwazisa incike izinga zezimali of sikhungo lapho loan senziwa. Lapho inani elihle kunawo imoto loan? Ezikhanga kakhulu zenzalo anikezwa Bank of eMoscow, "Uralsib" futhi Unicredit ebhange. Lapha ungakwazi ukuthola loan ngesilinganiso esingamaphesenti 9-14% ngonyaka.

Imali encane kokuqala

izikhungo Iningi zezimali ufuna idiphozi, okungaba kuze kube u-40% ukubaluleka imoto, okuyinto isamba eside. Okuzuzisa kakhulu imoto loan Volgograd nezinye imizi Russia - kuyinto ukubolekisa ngemali encane noma bengaholelwa nhlobo imali sokuqala-ke. It ingatholakala 24 amabhange VTB, MDM futhi "Altai Energo".

Nokho, kufanele sikhumbule ukuthi ukuntuleka yokukhokha phansi noma esincane kungaba kakhulu Isilinganiso senzalo. Ngaphezu kwalokho, ezinye izikhungo zezimali ukubeka imibandela eyengeziwe. Ngokwesibonelo, ungakwazi ukuthenga imoto kuphela angaphandle kuwufanele nengxenye million. Ngakho-ke, ukunquma ukuthi iyiphi imoto loan nenzuzo kakhulu (ngokweqile ongaphakeme noma cha) kuyinto umthengi.

Uhlobo imoto

Okwamanje uboleka Uhlelo ivumela isikhathi ukuthenga njengoba imoto entsha noma asetshenziswa, ebuthene eRussia nakwamanye amazwe. Ngo lomfula, kukhona imibandela ayezosebenza ngaphansi kwayo yokubhalisa imali ngoba ukuthengwa kwezimoto. Kwezinye ungakwazi kuphela ukuthenga imoto entsha, kuyilapho ezinye ziba uboleka abantu abahlela ukuthenga imoto mileage.

Kukhona amabhange, lapho loans ekhishwe kuphela izimoto angaphandle okunethezeka (Raiffeisenbank). izikhungo zezimali ezimbalwa kakhulu bazimisele ukunikeza loan ukuthenga imoto, lesibili ngesandla, futhi labo ezilungele, abeke nezidingo elawula emotweni (unyaka ukukhiqiza, isimo, njll). Ngokusho amakhasimende amaningi, inzuzo kakhulu imoto loan Ufa nakwamanye amadolobha Russian izimoto abasetshenziswe zingahlelwa e Gazprombank.

umshwalense

ukubolekisa Car eRussia kuyehluka kuneminye imikhiqizo yasebhange ukuze omunye amaphuzu ayinhloko kuthengiselana phambi Inqubomgomo CASCO. Iqiniso ukuthi izimoto uzobe abathengwé yasebhange eseduze nje lo muntu obolekayo engakhokhi ngokugcwele zonke izikweletu zayo. Zonke yokukhangisa izipesheli amabhange lizwakalise zenzalo emalini ebolekwe, okuyizinto esemthethweni kuphela endabeni yokubhaliswa iphakheji ngokugcwele amasevisi umshwalense.

Ngenxa ukuthengwa umshwalense kuba ezibizayo ezikhathini. Uma kwenzeka yokwenqaba kusukela ukuthengwa kwepholisi umboleki uzokwazi ukugcina zokukhokha kuqala, kodwa iphesenti loan kuyokhula. Ngaphezu kwalokho, ungakwazi ukukhetha umshwalense wakho siqu, izophinda ulondoloze imali ukuthengwa inqubomgomo. Nokho, akubona bonke izikhungo zezimali ukunikeza amakhasimende abo ithuba lokukhetha enkampanini yomshuwalense.

iphakethe Ubuncane kwemibhalo

Izakhamuzi eziningi kakhulu unganelisekile nenchubokuphatsa. Ukuze isivumelwano sesikweletu, kudingeka omningi ulwazi kanye amaphepha. Nokho, namuhla, ungenza into, kusale ezimbili kuphela idokhumenti. Uma sicabangela yisikhungo sezinhlangano eziphambili zezezimali nalo mbono, inzuzo kakhulu ebhange auto loan, ngoba passport namalayisense ukushayela okwenza out loans - Sberbank eRussia. I zingakhiqiza SNILS, VAT noma kamazisi yasebusosheni njengoba insimbi yesibili.

Ngaphezu Savings Bank of Russia, imibhalo emibili kuthengiselana kungenziwa ekhishwe Rosbank futhi VTB 24. Njengoba isikhungo sezezimali ayikwazi ukuqinisekisa solvency ezinamathuba umboleki ngaphandle izitifiketi ezifanele, isikweleti esinjalo uzobe ephelezelwa isithakazelo ephakeme. Ngaphezu kwalokho, ibhange kungadinga idiphozi ezinkulu, engesiyo esilungele ikhasimende njalo.

Imikhiqizo kusukela abakhiqizi

wabenza Abaningi ogunyaziwe ukwandisa yokuthengisa imikhiqizo yayo ozama ukuthuthukisa Izipesheli amakhasimende abafuna ukuthenga imoto ka brand lesitsite. Ngakho-ke sengathi Toyota Bank futhi ibhange Renault Nissan emakethe. Lapha ungakwazi ukuthenga uhlobo oluthile kanye imodeli ngesikhathi imigomo ekhangayo.

Futhi banake izipesheli zonyaka kanye lobulungu amabhange nabadayisa ogunyaziwe. Njengomthetho, izimo amaklayenti izinhlelo ezifana loan kukhona zikhange kakhulu.

VTB 24 Uhlelo

Lokhu isikhungo sezezimali sesibili esikhulu kunazo zonke eRussia futhi inikeza izakhamuzi omningi amasevisi kanye nemikhiqizo. Car ukubolekisa bayindlala ekhethekile futhi ithuthukiswe kahle kakhulu VTB Bank. Ungakwazi ukuhlela i-loan ne soxhaso kusukela isimo ukusizakala amalungelo amaklayenti yenkampani, noma isivumelwano imali eningi ngaphansi ukwabelana ekhona.

izimo Standard imali imoto ebhange kanje:

• Inani - akukho ruble abangaphezu kuka-5 million;
• ungakwazi ukuthenga imoto zokukhiqiza Russian kanye angaphandle;
• ngesilinganiso 14% ngonyaka;
• idiphozi - okungenani u-15% izimoto;
• elithi yesivumelwano - kuze iminyaka 5.

isithakazelo evumayo Gazprombank

Lokhu isikhungo sezezimali yiyona izinhlelo enenzuzo kakhulu ukunikela amakhasimende ezinkampani. Izinga lenzalo yemali mboleko emalini ebolekwe auto kuqhathaniswa ongaphakeme, futhi eminyakeni yamuva nje, nekwenyuka lokukhula babonakala. Yenza isivumelwano sesikweletu, ababoleka can ebhange kufika eminyakeni engu-7. Kumila izinga emalini ebolekwe imoto - 14% ngonyaka, kodwa amakhasimende njalo ungathola isaphulelo 1.5% ngonyaka. IBhange kudinga idiphozi - okungenani u-20% yezindleko imoto futhi inikeza ukubolekisa ngesilinganiso esingamaphesenti akukho ruble abangaphezu kuka-4.5 million.

Ukunikezwa kusukela Sberbank

Ukukhetha elikhulu ezahlukene izinhlelo loan imoto izakhamuzi zaseRussia Sberbank eRussia inikeza. Ungakwazi ukuhlela i-loan ukuthengwa izimoto angaphandle kanye nezimoto ezifuywayo. usayizi ngokweqile incike isikhathi loan kuyahlukahluka ngaphakathi 13.5-16% ngonyaka. Ephambi kwezinduna izabelo kungenziwa ikhishwe evumayo imoto isikweletu ukuxhaswa uHulumeni, uma iklayenti hhayi kuqhathaniswa ezokuthutha yasekhaya.

Savings zonke izinhlelo zidinga noma iyiphi inkokhelo phansi, futhi leyo mali kuyakuba hhayi ngaphansi kuka-15% inani emotweni. Umkhawulo ukuthengwa imoto kunikezwa ruble angu-5. Igama elithi ka nesivumelwano sokubolekwa - iminyaka 5.

Sberbank enikeziwe isaphulelo 1% ngonyaka emalini ebolekwe auto kule mikhakha elandelayo yezakhamuzi:

• kwabasebenzi amaklayenti;
• zimali;
• abanikazi ikhadi nomphakathi, ethola nempesheni wakhe.