Kungani ukulungiswa kwemali mboleko?

Ngokuvamile abantu bathatha imali ukuthenga izimoto ezikhungweni zezezimali. Eminyakeni yamuva, ukuthandwa kwezinsizakalo zamabhange, okubizwa ngokuthi "ukuvuselela imali mboleko yemoto," kukhula. Le nqubo inenzuzo kula macala alandelayo:

- uma ikhasimende lifuna ukushintshanisa imoto endala entsha;

- uma lowo oboleka enganelisekile ngemali mboleko yemoto yamanje.

Izinhloso

Konke into eyenzekayo: Izinga lesithakazelo liyashintsha, izinhlelo ezintsha zesikweletu, izinsizakalo zombuso, izimoto ezintsha zivela. Ukuxhaswa kwemali mboleko yemoto kukuvumela ukuba uhambisane nezinguquko. Isifiso sokushintsha imoto sibonakala kubantu abaningi ngaphambi kokuba bakhokhele ngokuphelele isikweletu sabo. Ngokwezibalo, iningi labashayeli bashintsha imoto yabo yonke iminyaka embalwa, futhi imali yokubolekisa imoto ivame ukunikezwa isikhathi esingaphezu kweminyaka emihlanu. Esinye isizathu sokuhlenga kabusha kungukushintsha kwesithakazelo. Kunezinhlelo eziningi ezifanayo, amabhange ancintisana futhi azama ukuthuthukisa izimo ukuheha amakhasimende. Ngezinye izikhathi kunezinguquko empilweni yombolekisi, isibonelo, imali yakhe engenayo ishintsha, umuntu othembekile ubonakala, ekwazi ukuba umlondolozi noma ezinye izimo ezenza isikweletu sibe nenzuzo enkulu. Uma othile ekhishwe ngesikweletu emalini, ukushintsha izinga kuyisizathu sokulungisa. Ukwenza imali yemali ngaphandle kwe-CASCO kuyindlela yokugcina imali.

Abadayisi bemoto banikeza bani?

Amakhononi athengisa izimoto ezisetshenziswe athengiswa yizimoto zangaphandle zemali ezithengwa eminyakeni embalwa eyedlule. Ukunciphisa isikhathi esidingekayo ekuthengiseni imoto, i-salons iphetha isivumelwano nebhange, iklayenti ibonisa imibhalo edingekayo. Imoto "endala" izobe isendaweni yokubonisa, futhi imoto "entsha" izonikezwa kumthengi. Izindleko zemoto engakwesokunxele zizohlanganisa ingxenye yentengo ethathwe, umboleko uzokhishwa umahluko kumanani. Amakhasimende angakhetha ngokhetho imoto endala noma esetshenzisiwe. Kumele uqaphele ukuthi ukuvuselelwa kwemali yokubolekisa imoto kukuvumela ukuthi uthenge izimoto zangaphandle ezingadluli eminyakeni engama-10, izimoto zeVAZ, ezineminyaka engama-5 ubudala. Amashini asebhange amadala awawamukeli njengezibambiso. Izimoto ezidumile ezinamafutha aphezulu asetshenzisiwe, iminyaka yabo, ama-mileage kulinganiselwa, ziyahlolwa. Ngokujwayelekile, izimo ezihlinzekwa ngabathengisi bemoto zihambisana nesimo samanje emakethe.

Izinhlelo zebhange

Ungakwazi ukulungisa kabusha ebhange elifanayo lapho kukhishwa khona isikweletu sakho, noma kungaba kwenye. Phakathi kwabokuqala ukunikeza le nsizakalo amabhange afana ne-Absolute, Raiffeisen, Unicredit. Uma ucabanga ukulungiswa kwemali yemali abayinikezayo, khona-ke imigomo inqunywe yisikhathi abanikeza ngayo imali, inani lekhokhelo yokuqala (njengomthetho, lilingana nentengo yemoto endala), imali yokuboleka imali.

Okuncamelayo kokubolekisa

Uma kunesifiso sokuthenga imoto entsha, kufakwe ohlelweni loxhaso lukahulumeni, khona-ke unganika imoto endala ngenxa yokukhokha kokuqala. Kudingekile ukucacisa ngenhlangano yezezimali imininingwane yokwamukela izikweletu ezikhethiwe. Qinisekisa ukubuza mayelana nakho konke ukuze uvuselele imali enenzuzo yemali mboleko yemoto. Amabhange angafaka phambili izimo ezahlukene.

Amadokhumenti adingekayo:

- isitifiketi semali engenayo (2NDFL);

- ikhophi yenkontileka yomsebenzi (inkontileka oyiqashiwe emsebenzini);

- ipasipoti;

- ilayisensi yokushayela.

Sberbank inikeza ini?

Kuleli bhange kukhona izinhlelo ezidumile ezimbili:

- ukushintshaniswa kwekhredithi yemoto ngenye entsha;

- ushintshe ezimweni zemali mboleko.

Ukuxhaswa kwemali mboleko yemoto eSberbank kuyinkambiso ebalulekile ehlinzeka:

- ukuhanjiswa nokucutshungulwa kwesicelo ebhange;

- ukukhishwa kwesiqinisekiso (esengeziwe);

- Umshwalense wemoto ethengwe.

Ukuvuselelwa kabusha kwemali yokubolekwa kwemoto kuyithuluzi lezimali ezithakazelisayo ezandleni zabantu abaningi abangahlola ngokucophelela kuzo zonke izimo zezinhlelo ezihlongozwayo.