Ukubolekisa Car: izingibe, izici kanye nezincomo

Nsuku zonke, izinga lokuphila kwabantu kuye kokukhulumela phezulu. Ngakho, kukhuphuke ukuhamba kanye sonke. Sekuyisikhathi eside imoto Private saphela ukunethezeka ngokuvamile ngempela. Lapha Nokho, ukukhokhela ukuthenga ezifana bengayi wonke umuntu. A isivuno esihle kulesi simo kungaba loan imoto. Izingibe Zokufihla Ukuthi lokhu mkhuba futhi baye baba isihloko sihloko namuhla yethu.

Ikhredithi yokufuna siqu "yensimbi ihhashi" manje inikeza cishe zonke isikhungo sezezimali. Kodwa kanjani uqiniseke ukuthi athathe nenzuzo kakhulu imoto loan? Izingibe Zokufihla Ukuthi ekutholeni imali noma emshinini uqobo angaluboni ngobuciko ukuze uzokwazi ukuthola kubo, kwase kuphela nje ungakaqali ukufeza izibopho zayo. Ukuze ugweme ebugqilini, udinga ukuba banake zonke izigaba ukubhaliswa imoto.

ukubonisana

Ngakho, unquma ukuthatha loan imoto. Izingibe Zokufihla Ukuthi ngawe kakade walungisa ngesikhathi yokubonisana sokuqala. Ngo-90% amacala uzonikezwa ukukhipha isivumelwano sesikweletu ngoba okuthiwa imoto yokukhangisa. Futhi benza konke ngokushesha kakhulu futhi ngqo gumbi. Ngakho, nokujaha cheapness sobala, uba nethuba ukuba ubalekele umthengisi yemoto ezingenziwanga ngisho kubhekwe njengendlela ukuthenga.

Ukubolekisa ngemali imoto ebhange, wena bayobe bethulwe impositions ezinjalo.

Ungena yesivumelwano

Siyaqhubeka ukuhlola izingibe ukuboleka imali yokuthenga imoto. Esigabeni esilandelayo - intengo umshini. Ngo intengo izindleko ukucushwa okuthiwa eziyisisekelo ngokuvamile wabonisa. Ngakho-ke, ukuze uqalise is ukuthola inani eligcwele, ikhumbula ezihlukahlukene "-add-on". Lokhu kuyoba intengo langempela lapho udinga ukugxila. Izindleko imoto, kusho Ipheshana, e 99% izimo, hhayi ningi than Stunt emphakathini.

Ukuphoqelela iklayenti ukuthenga izimoto ezibizayo, abaphathi eziningi zithi khona isethi ephelele ingaphezulu kuka - kuyimfuneko sikhungo. Ngokuvamile, lokhu akulona iqiniso. Cishe iphuzu okuwukuphela abasebenzi ingase iphikelele isikhungo sezezimali, ukufaka anti-theft alamu.

Lapho ukubhalisa loan imoto? Izingibe Zokufihla Ukuthi bangase kukulindile abayenzayo. Ngakho-ke ngaphambi usayine inkontileka, zama uhlolisisa ngamunye incwadi yayo. Futhi ukwenza kanjalo kungcono ukubeka yokubhalisa, kodwa ekhaya, esimweni esikhululekile. Ngokuvamile, kufanele ulethe ku inqubo ummeli ababeyizazi ezindabeni ezinjengalezi. Uma konke akakhethi futhi esobala, futhi ibhange, futhi kule showroom kuwe ngaphandle umbuzo Uzonikezwa ikhophi yesivumelwano imodeli sesifundo somuntu enemininingwane. Uma banqatshelwe isicelo esifanayo, cabanga! Mhlawumbe, umbolekisi inokuthile ukufihla. Kungakhathaliseki ukudweba loan imoto endaweni enjalo? icala lakho.

Ukuhluka wesikweletu izipesheli

Kodwa namanje abanye loan izingibe imoto. I edayisa izimoto noma ebhange kungcono ukukhipha?

Ngakolunye uhlangothi, lapho wenza nesivumelwano sokubolekwa imali ngokuqondile gumbi, wena nomkhawulo choice of ebhange. Thola loan kungaba isikhungo credit ngawo umthengisi isiphethe inkontileka. Hhayi yokuthi izimo ezihlongozwayo mahle kakhulu. Ngakolunye uhlangothi, le nqubo kuzothatha isikhathi esincane, futhi imibhalo enele.

Ngesikhathi esifanayo bengena loan ebhange, uyobe ukhethe kusuka iphakethe ejwayelekile. Kodwa ngemvume ilungelo inkontileka kule showroom, ningaqiniseka ukuthi iyiphi kwephromoshini. Abathengisi ngokuvamile ukuthuthukisa izinhlelo ezinjalo ngokubambisana neNhlangano amabhange. Ngakho-ke ngaphambi asayine amaphepha, kungcono ukuthola zonke izinketho.

"Kwenzalo" loan

Ngakho, unqume uhlele loan imoto. Izingibe Zokufihla Ukuthi (enesaba) lapho kufihlwe ngobuciko kakhulu. Ngokwesibonelo, cabangela izinkondlo, wamlinga senzalo 0%. Njengoba ungase ucabange, ibhange - hhayi yokunikela, futhi ngenxa yalokho ngeke zisebenze ngaphandle inzuzo. Ngakho, credits khulula akukwazi. Zonke okuthiwa hhayi dopoluchennye isikhungo inzuzo yezimali isikhathi eside babeka phansi izimali ezihlukahlukene ezengeziwe, ekuqaleni overestimated izindleko umshini, izindleko wamaphepha.

Ngokuvamile kudingeka ukusebenzisa kude "imali evumayo entshisakalweni khulula" esikhishwe wabenza imoto. Lapho sihlolisisa, izimo lapha etholakala umane ababagqilazayo:

• elithi loan - esingaphansi kwezinyanga 12;
• umnikelo kokuqala - okungenani isigamu izindleko imoto;
• isibopho sezomthetho umshwalense endaweni ezokwenza ibonisa ebhange.

Ngaphezu kwalokho, ezihlukahlukene izimfuno okwagcina negate yonke imali kungenziwa wanezela.

Ukuze "eziphonsa" usesimweni esinjalo, cela imenenja olwengeziwe ukudweba on ucezu zonke izenzo zakho ukubhaliswa. Ngesikhathi esifanayo faka njengoba ngokunembile yonke imali izindleko amafomu, izimvume, umshwalense, izimali ngenxa yokulungiswa akhawunti kanye nezinye izinkokhelo efanayo. Thatha ikhefu e usuku noma izinsuku ezimbili futhi babe nesithakazelo iziphakamiso ezinjalo kwamanye amabhange. Mhlawumbe "entshisakalweni khulula" loan yakho ngeke ibe nomusa ngakho.

izinhlawulo

Ukuze abalekele inkinga esikhathini esizayo, zama ngokushesha ukuthola ukuthi yini ezokwenzeka izinhlawulo futhi yini ungakwazi agqoke ebhange. Akubalulekile ukuba asayine isivumelwano ukuhlinzeka sokubalwa inhlawulo enkulu ngomzuzu kokulibala ngamunye. Hlola amandla ayo kwezezimali ngempela. Kudingeka nokuba acabangele okungenzeka ezingase kwemali kwezimali ezingenayo zingancishiswa. Ngokwesibonelo, ziyolahlekelwa amabhonasi, esikhubazekile noma esigulayo isilwane cat. Mhlawumbe ifemu lapho usebenza, nabo bonke ngeke usaba khona. Kulokhu, kuzodingeka ukuba uthintane yasebhange mayelana kabusha. Ngokushesha ukubuza uma lokhu kungenzeka, futhi kanjani isiyohlaziywa le nqubo.

Ezinye amabhange amjezise for buyiselo zakuqala imalimboleko. Ngempela, kulesi simo, uzothola inzuzo engaphansi, okuyinto lokuthi kuzoba ngayo. Cabanga ukuthi wena efanelekayo izimo ezinjalo.

Ngezinye izikhathi ababolekisi ukwethula izinhlawulo isaziso ngasekupheleni yokushintsha kwedatha yomuntu siqu. Lokhu kusho ukuthi uma ushintsha indawo yomsebenzi, inombolo yocingo, noma kwenzeke ngokuphazima kweso oshadile / ohlukanisile ke ibhange kumele bazi ngakho. isaziso kwesikhathi kungaholela inhlawulo, isijeziso, kanye nemfuneko ebhange ukuze ngokushesha ukukhokha lemali esele esikweletini.

izindleko elikulesi sihloko

Kukuphi lapho kungenzeka yokuquba izingibe imoto loan? Ngomzamo ukuheha amaklayenti eziningi eziningi izikhungo zezimali noma imoto dealerships kuze kube ngomzuzu wokugcina ukufihla ulwazi ngalokho nezinye izindleko kuyodingeka ukuba bazilethele iklayenti. Futhi kungaba:

• Imali for kokuvula i-akhawunti yasebhange kanye nokugcinwa kwezindawo zawo ezimisiweyo;
• ezihlukahlukene umshwalense;
• ukushaja ukuguqulwa isamba semalimboleko;
• izinhlawulo ezihlukahlukene;
• amacala yasebhange ukudluliswa kweemali kule showroom;
• inkokhelo amasevisi yasebhange ekwakhiweni neluhlolo isicelo;
• nokugcina ifayela credit.

umshwalense

Awuzange washintsha ingqondo yakho ukuthatha loan imoto? Izingibe Zokufihla Ukuthi oyokuthola ngokufunda kanye yomshuwalense imoto.

Ngaphezu kwakho konke, alungele yokuthi awukwazi ukusebenzisa e-UK lwakho olukhethile. Uzophoqeleka ukusebenza ngqo nenkampani, okuyinto isisayine isivumelwano indawo ethile edayisa izimoto noma ebhange. Ngaphezu kwalokho, ibhange kungadinga ukuba ukuthathelwa umshuwalense izimoto hhayi kuphela, kodwa futhi nezinye izingozi:

• impilo yakho;
• ingozi non-buyiselo imalimboleko uma yokulahlekelwa imali;
• nezinye izingozi.

Yiqiniso, ungakwazi senqabe. Kepha ngubani ongazibamba, ukuqinisekisa ukuthi uthola loan kulokhu?

Lapho senza umshwalense kukhona umehluko wemisindo nemiqondo yamagama ezimbalwa:

1. Uma ukuhlela inqubomgomo yomshuwalense sikebhe ezivamile, yomshuwalense uyakucabangela ukuthi minyaka yonke ukubaluleka imoto incipha. Ngakho, inqubomgomo unyaka nonyaka kuyoba eshibhile. Endabeni imoto ikhredithi, premium umshwalense izohlala ingashintshiwe lonke elithi loan. Okungukuthi izimoto, "ukuguga", futhi usazoba ukukhokhela entsha.
2. Futhi kulokhu akukho ithuba ukuze uthole ibhonasi-malus. Kuyinto isaphulelo ezinjalo, okunikeza ukufelwa-free IC ukushayela. Nomaphi lapho ushayela nakho ungazange ube, ngezinye izindleko CASCO auto loan ayiphazamiseki. Ingabe kufanele ukhokhe "ngokugcwele."
3. Futhi, uma uhlele sikebhe emalini ebolekiwe imoto, ulahlekelwa ikhono ukukhokha amaphrimiyamu in izitolimende. Kulokhu, lonke inani kuyodingeka bakhokhe ngokushesha.

Kufinyeta

Uma ufundisisa athikili yethu, sewazi vele ukuthi izingibe khona loan imoto. Umthetho kuphela kulabo ungafuni ukuba "Like" ikhasi ingenye - ungajahi. Uma owake waphila ngaphandle imoto, nakanjani uyokwazi ukuba ngikhuthazele futhi izinsuku ezimbalwa kakhudlwana. Lesi sikhathi, nje ngokwanele ukuba ngokucophelela (mhlawumbe ummeli) ukuze uhlole inkontileka nokufunda konke, ngisho bukovki kulencane. Ngaphezu kwalokho, kudingeka kubalwa ngokucophelela zonke izinombolo futhi anqume inani, okuyinto ekugcineni izobiza umshini. Qaphela: lapho bajabula kuthengwa oluzayo akuyona amehlo amnyama, iyiphi izingibe awesabi.