Kuphi futhi kanjani ukuthola loan imoto emotweni?

Akuwona wonke umuntu ufuna ukuthenga imoto ngokushesha ukuthola imali ukuze ukhokhele ukuthenga. Ngakho-ke, ukubolekisa imoto namuhla ngendlela ethandwa kakhulu futhi ezingabizi ukuthenga imoto yakho siqu.

Yiziphi izici ukuboleka imali yokuthenga imoto

Car Loan kuyinto loan abahlosiwe ukuthenga imoto. Thola loan imoto ebhange can, nge amalunga imoto kuyoba isiqinisekiso ebhange. Kulesi sisekelo, ibhange kunciphisa ingozi futhi unesithakazelo encane loan.

Ngokuvamile, inani lenzalo ebolekiswe imoto esingaphansi loan ngokheshi. Kodwa endabeni ka-yokungakhokhi imalimboleko imoto ayethathe ebhange futhi ithengiswe sokukhokha imali ebolekiwe.

Ngokuvamile, ibhange kudinga umboleki ukuthi ukuthathelwa umshuwalense imoto ku Uhlelo Hull. Ngo ecaleni lokweba noma umonakalo emotweni ngesikhathi kwehla le ngozi ebhange uzothola umshwalense. umnikazi imoto kufanele ivuselele umshwalense njalo ngonyaka, ngaphandle kwalokho ibhange kuyosebenza izinhlawulo ukuba lo muntu obolekayo.

Ukuze ukuvuthwa autocredit ipasipoti emshinini kumele ibe ebhange. Uma-ke kwadingeka ukuba wena, khona-ke udinga ukuxhumana ebhange bese unquma naye umbuzo ukuthi kungenzeka kanjani ukuba uthole futhi lapho ukubuyela.

Ngingalutholaphi loan imoto?

ERussia, amabhange eziningi ezahlukene. Kodwa ngemva 2014 inani elikhulu izikhungo zezimali kanye credit wayeka elikhiphe ukubolekisa ukuthenga izimoto, kufakwe endaweni yawo umthengi ukubolekisa nezimo lula.

Ungase uphawule ukuthi izikhungo ambalwa yasebhange ukalwe ukunikeza target loan 2017. Ezimweni eziningi, zenzalo emalini ebolekwe imoto ziyefana sokubolekwayo umthengi. Nakuba ngaphambili umehluko kwakuhluke kakhulu eziphathekayo.

igama ebhange	% Ngonyaka	Inani loan, RUR	kokukhipha isikhathi	On imishini		isikhathi esingakanani ungenisa	inkokhelo Down,% yenani imoto
				entsha	B / y
"East Bank"	19	ayizinkulungwane 100. Hlikihla. - ruble 10 million	Kusukela eminyakeni 1 kuya ku 5	+	+	ngesikhathi esisodwa	-
"Nokssbank"	12	ayizinkulungwane 100. Hlikihla. - ruble 10 million	Kusukela eminyakeni emi-3 kuya ku-10	+	+	Kungakapheli isonto elilodwa	-
"Alfa-Bank"	12.5	ayizinkulungwane 100. Hlikihla. - ruble ayizigidi ezingu-5.6	Kusukela eminyakeni 1 kuya 6	+	+		10
"VTB 24"	17,9	ayizinkulungwane 150. Hlikihla. - ruble 1 million	Kusukela eminyakeni 1 kuya ku-7	+	+		20
"Raiffeisenbank"	6,4-14	ayizinkulungwane 50. Hlikihla. - ruble ayizigidi ezingu 3	Kusukela eminyakeni 1 kuya ku 5	+	+	Lungakapheli usuku olulodwa ukusebenza	15 kuya kwengu-40
"Agricultural Bank"	17.5	ruble Kufika 3 million	Kufika iminyaka 5	+	+	Kufika 4 izinsuku	15
ebhange yokulondoloza	11.5	Ukukuthinta 10 million	Ukuze iminyaka 6	+	+		-

It unikeza izimo ezikhanga kakhulu "Nokssbank". Kodwa ungathola loan imoto ebhange kuphela izakhamuzi Volgograd esifundeni.

"Alfa-Bank" inikeza izimo abolekise sasivumela ezikhangayo. Ungakwazi senqabe CASCO. Uma ungenalo ukhokhelwe yibhange ke uzothola loan imoto at 15.5% inani lenzalo yonyaka.

Izimo "VTB 24" iyona olinganiselayo kakhulu amazinga kanye nezidingo umboleki. Kodwa ebhange kuzomele ukhokhe isitolimende sokuqala 20% yazo zonke lezi zindleko wemoto uthenge.

Car ukubolekisa kusukela "Raiffeisenbank" ilungele ababoleka imali ephezulu, abahlala emadolobheni amakhulu yeRussia.

Ukukhuluma ngendlela ukuthola loan imoto Savings Bank, kufanele kuphawulwe futhi izimo ngempela evumayo of ebhange. Izinga lenzalo yemali mboleko ingenye aphansi. Thola nguye ofanelwe udumo ngenxa lapha can cishe zonke izakhamuzi zaseRussia.

Uma uthola iholo lakho ku Savings Bank, isinqumo ukukhipha loan enjalo ibhange kuzokwenza amahora ama-2. Uma iklayenti unethuba lokufeza inkokhelo yokuqala ka- 30% yezindleko emotweni, ibhange ngeke zidinga isitifiketi engenayo, ikhophi zabasebenzi kanye khona guarantors.

Enye inzuzo enkulu ukuboleka imali yokuthenga imoto Sberbank wukuthi inani umshwalense CASCO kungafakwa isamba semalimboleko.

Lokhu kusinikeza ithuba ukuthola loan imoto kungekho phansi inkokhelo "East Bank", "Nokssbank" futhi Sberbank.

Uma unquma dumo okuqondiswe ukuthengwa kwezimoto yasekhaya, khona-ke ukuthenga ezifana nabo basekela umbuso, okuyinto ezuzisa kakhulu lo muntu obolekayo.

Kanjani ukuthola loan imoto?

Ukuthola boleko imoto kuhlanganisa izinyathelo ezilandelayo:

• ukubhala nokulungiselela nokubhalwa isicelo loan;
• ukunqunywa isinqumo yasebhange sokuvuma sokubolekwa imali;
• kukhethwa imoto gumbi, basayine inkontileka yokuthengisa, okwenza inkokhelo yokuqala (uma enikeziwe);
• ukusayinwa nesivumelwano sokubolekwa;
• ukubhaliswa umshwalense CASCO;
• nokukhokhwa izindleko imoto yasebhange imoto nomthengisi;

Ngemva kwalokho, isakhamuzi kungaba sithathe imoto bese ubamba ukubhaliswa kwakhe.

Ngaphambi ukuthola loan imoto, udinga ukuthola ibhange uhlu oluphelele imibhalo. izikhungo zezimali kanye credit kungenzeka acele ulwazi olwengeziwe noma iphepha.

esibalulekile

Car ukubolekisa kungenziwa ikhishwe endaweni kuqala ebhange. Samuntu yesibili i-Showroom, lapho kungenziwa kahle ehhovisi ebhange.

Ukuze banqume ukuthi ukuthola loan imoto kufanele lo muntu obolekayo. Kubalulekile ukuthola nemibandela credit lapho ibhange uqobo ngawe kuyoba inzuzo kakhulu futhi elula. Qaphela ukuba wenze ukuthenga ngokubhuduzela, ukuthatha ukutusa gumbi. Amaphesenti angaba phezulu kunasendaweni igatsha lasebhange.

nemibi ukubolekisa imoto

Car Loan wetfwesa tibopho ezithile umboleki futhi has ohlangothini yako emibi:

• Pretty eqinile imoto ebiza ngaphezulu kuka kokuyithenga imali.
• Udinga ukuba abuyisele inyanga ngayinye. Ngaphambi ukuthola loan, kufanele abale amakhono sabo sezimali.
• Ngaphambi buyiselo imalimboleko kuyisiqinisekiso sokuthi ibhange umshini kanye adayise noma banikele kungenzeka kuphela imvume ebhange.
• Njengomthetho, uma wenza loan imoto njalo kudinga inkokhelo yomshuwalense CASCO, okuyinto impela eside. Ngokuvamile, inkampani yomshuwalense ekhethwe ibhange, kanye nenani umshwalense angaba phezulu kunamanye izinkampani zomshuwalense.
• Uma imoto wangena ingozi, inani lemali ikhokhwe umshwalense iya ebhange, sivuse imoto kule imali umnikazi ngeke kwenzeke.

Izimfuneko umboleki

ebhange ngamunye kwenza izimo ayo ngoba loan. Kodwa ngokuvamile ungathatha loan imoto nalezi zidingo ezilandelayo:

• umboleki has izakhamuzi we Russian Federation;
• isakhamuzi ubudala, ethola loan imoto kumele ibe phakathi iminyaka 23-65;
• ukusebenza isipiliyoni endaweni Russian isikhathi esithile.

Ngaphezu kwalokho, ezikhungweni credit kudingeka shayela izinombolo zocingo amaningi (umsebenzi, siqu, ajwayelekile inombolo yocingo).

Indlela ukuthola loan for imoto nge mileage?

izimoto ezisetshenzisiwe kancane kunezindleko entsha kanye nesimo ngeke ube khona okubi kakhulu ukwedlula abasha. Cabanga indlela ukuthola loan imoto imoto nge mileage.

Amabhange ngokuvamile abonisa izimo ezilandelayo izimoto esetshenziswa:

amapharamitha	Mayelana nezimoto angaphandle	Ukuze izimoto zasekhaya
ubudala	Hhayi iminyaka engaphezu kwengu-10	Hhayi iminyaka engaphezu kuka-5
inani lesikweletu	Amabhange ngokuvamile isethwe ku inani ayizinkulungwane 500. Ukukuthinta. ruble angu-1.5 izigidi ezingu	Ngokufanayo
umshini isisindo	amathani afinyelela ku-3.5	Ngokufanayo
mileage	Kufika ayizinkulungwane 100. Km	Kufika ayizinkulungwane 50. Km

Ukwenza umshwalense CASCO uyisidingo.

I loan umboleki ngoba b / imoto kumelwe ahlangabezane nezimfuneko ezithile:

• kube abaneminyaka engama 21;
• abe ubude yesevisi ngaphezu konyaka owodwa ikhalenda;
• nakho komsebenzi okwamanje enhlanganweni izinyanga ezingaphezu kweziyisithupha, futhi namanye amabhange anisuthi 3-4 izinyanga;
• abe sisakhamuzi Russia futhi ube yokuhlala emzini lapho udonsa loan imoto;
• banomlando omuhle credit.

Ikhredithi izimoto kulula ukuthola abashayeli abaye ukushayela isipiliyoni. Ngokungabaza, amabhange ukukhipha ukubolekisa enjalo intsha kanye nabantu of umhlalaphansi.

Credit njengendlela entsha, futhi b / imoto ungathola ehhovisi yasebhange noma kule showroom. Kuyinto kunenzuzo kakhulu ukwenza kanjalo ebhange lapho uthola inkokhelo. Ngokwesibonelo, izakhamuzi nge kwabasebenzi amakhadi ku "Alpha-Bank" ingathola autocredit ngaphansi 12.5%, bese ngokuya jikelele izinga kuyoba 16%.

Inqubo yokuthola boleko b / a Car

Ukuze uthole loan imoto imoto esetshenziswa, kumele zidlule endleleni elandelayo.

Khetha isikhungo credit, qhathanisa enikezwa amabhange ezahlukene, izinhlelo zabo, inzalo engako, futhi ngokuya obolekisayo. Ngo ukucabanga nendlela ukuthola loan imoto, kubalulekile ukucacisa ukuthi kukhona ukumelwa oyithandile ibhange endaweni yangakini. Oluthandwayo kufanele inikwe amabhange nge idumela elihle efakazelwe.

Isicelo kungenzeka nganoma zokuvakashelwa ebhange noma nge-Internet.

Kufanele ube madokumende alandelayo:

• iphasiphothi;
• Ulwazi imali emsebenzini;
• ilayisense yokushayela;
• ikhophi yencwadi umsebenzi.

Ngaphezu kwalokho, ibhange, ucubungula isicelo. Emva isicelo sivunyiwe umboleki, uma kunesidingo, unikeze inkathi 1 kuya ku-3 izinyanga search imoto.

Ngemva kwalokho wakhipha inkontileka ka ukudayiswa nomthengisi yemoto. Futhi kudingeka is klamo isigqoko sokuzivikela. Lokhu kwandisa umthamo izinkokhelo ebhange umboleki sika.

Inkokhelo yokuqala is adluliselwe ku-akhawunti yasebhange kuyiphi mali idluliselwe ezidayiswa. Usayizi isilinganiso imali uqobo 20% yentengo.

Ukunakekela okukhethekile kufanele aye ukubhaliswa kwesivumelwano sesikweletu. idokhumenti Ungene kufanele kwehlwaywe. Kuyadingeka ukuba uqaphele umehluko wemisindo nemiqondo yamagama alandelayo:

• Inani lokugcina inani lenzalo. Kwenzeka ukuthi omunye ikhangiswe, kodwa empeleni ukunikeza kakhulu.
• EBukhoneni Imali izinkokhelo kwemali (okubhekiselwa kuzo nangokuthi kufihlwe).
• Yini ongakhetha uphiwa loan.

Uma uthole imalimboleko imoto imoto walithenga, thina kuphela kufanele ibhaliswe ku omgwaqo. Khona-ke uba umnikazi egcwele imoto.

amathiphu Okuhle Ngomsebenzi ukuthenga esetshenziswa / imoto

Thenga izimoto abasetshenziswe kule showroom. Ngakho ungagwema ukuthenga umshini intshontshiwe noma efanele. Ikakhulukazi ngoba dealerships ngokuvamile ukuhlela nezenzo ukudayisa izimoto ezisetshenziswa.

Uma isamba akwanele ezingelutho zokuthenga, loan imoto kungcono ukukhetha loan umthengi.

Kukhona futhi abantu abafundile njengabameli ukuthi mortgage wabathengi. Ziyazi ukuthi ukuthola loan imoto emigomeni izindawo ezingconywana. Brokers kuzokusiza ukhetha uhlelo elilungile kakhulu loan.

Ukuthola imoto isikweletu umlando omubi wokukweleta

Uma ozivumele ukubambezeleka ku ukubuyiswa kwemali yezinye ukubolekisa, kungenzeka ukuthi lokhu kuzothinta omubi credit yakho idumela.

Ngaphambi ukuthola loan imoto nge umlando omubi wokukweleta, kuzomele uxhumane i-credit bureau usizo. Uma ubonisa ukuthi une ukubambezeleka, kunesidingo esiphuthumayo ngibuyisele kubo. Uma wanikeza ukwaziswa okungamanga ngoFakazi okuzenzakalelayo, kumele ufake isicelo ebhange ukuxazulula inkinga.

Ukuze uthuthukise Umlando wokukhokha kwemali, ungathatha loans ezincane eziningana futhi abuyisele kubo ngesikhathi futhi ngokugcwele.

Ungakwazi zisasebenza izikhungo ezincane noma asanda kuvulwa zezimali kanye credit. zikhungo ufuna amakhasimende futhi ngivumelana ukubeka izimo hhayi elawula kakhulu lo muntu obolekayo.

Enye inketho isicelo sokubolekwa microfinance izikhungo, pawnshops noma izinkampani zezimali ukuthi umlando credit wekhasimende ayibalulekile. Kodwa zenzalo e nezinhlangano ezifana lingaphezulu kakhulu kunezinye amabhange.

Indlela yokuthuthukisa idumela umboleki sika

ukwandisa Futhi ematfuba ukuthola imali-mboleko imoto ebukhoneni credit negative umlando ngezindlela ezilandelayo:

• ukuthola co-Osayinile nge esihle credit idumela;
• uhambise ebhange isitifiketi engenayo ephezulu noma ifa amagugu ezibizayo;
• ukuhlinzekela eseduze;
• ukwenza inkokhelo phansi inani 50% ukubaluleka imoto uthenge.

Ukuthola loan ku imoto nge-Internet

Cishe zonke yasebhange inikeza namuhla, isicelo loan ngokusebenzisa i-inthanethi. Ngenxa yale njongo, ifomu ekhethekile kumele icacise imininingwane siqu sakho, loan lemali kanye neminye imininingwane.

Ngemva kwalokho, ibhange uzokhipha umbono kwangaphambilini phezu kungenzeka lokunikezelwa wena loan. Kodwa kusadingeka ngokwenu ebhange ukunikeza iphakheji edingekayo kwemibhalo kanye ukusayina inkontileka.

Car Loan - thatha noma cha?

Kunezici eziningi engakhi loan imoto, kodwa kukhona izinto ezinhle. Kuyadingeka ukuba ahlaziye ngokucophelela zonke izipesheli okungenzeka amabhange, izinhlelo zabo abolekise, ukubala ngokweqile kanye nezinye imali saziso emalini ebolekwe imoto eziqhathanisa ne ngokweqile on loans umthengi elula. Kudingeka nokuba sicabange ukuthi singakwazi yini yesibonelelo sikahulumeni nge ukuthengwa izimoto yasekhaya.

Ukuze uqonde lokhu ezicashile ulwandle nemibandela nemalimboleko amabhange ezahlukene asesabi afune usizo lochwepheshe credit wabathengi.

Nakekela ikhredithi yakho idumela. Phela, uma kukubi, khona-ke ukuthola loan for imoto kuyoba nzima nakakhulu.

Car loans kungaba kokubili entsha futhi esetshenziswa / ngezimoto. imoto ezisetshenzisiwe Kungcono ukuthenga kule showroom, ngoba nakanjani angakhekhelezi hhayi ngobugebengu.