Imalimboleko yemoto esetshenzisiwe nemoto entsha - ungayithola kanjani imalimboleko yemoto (akukho nkokhelo ekhokhelwa phansi, i-CASCO, izitifiketi, i-CI embi) nokuthi ungayithola kuphi imali mboleko yemoto enenzuzo

Ntambama, bafundi abathandekayo be-Ideas for Life umagazini online! Namuhla sizokhuluma ngemalimboleko yemoto: kuphi futhi kanjani ukuthola (ukuthola) imalimboleko yemoto ngaphandle kokukhokha phansi, umshuwalense weCASCO, izitifiketi zemali engenayo kanye nama-guarantors (amadokhumende amabili kuphela), futhi sikutshele nokuthi yimaphi amabhange anika imali mboleko yezimoto zezimoto ezintsha nezisetshenzisiwe eziningi kakhulu izimo ezithandekayo.

Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Ngemuva kokufunda i-athikili, uzofunda:

• Yini imali mboleko yemoto nokuthi yiziphi izinhlobo zemalimboleko yemoto ekhona;
• Kukuliphi ibhange lapho kunenzuzo ukuthola imalimboleko yemoto, ungayithola kanjani imalimboleko yemoto ngaphandle kokukhokha phansi futhi unomlando omubi wesikweletu;
• Kanjani futhi kuphi okungcono ukuthatha imalimboleko yemoto ngaphandle kweCASCO;
• Yiziphi izinyathelo okufanele zithathwe ukuthola imali mboleko yemoto esetshenzisiwe (esetshenzisiwe).

Ngaphezu kwalokho, ekugcineni kokushicilelwa, uzothola ngokwesiko izimpendulo zemibuzo ebuzwa njalo mayelana nemalimboleko yemoto.

I-athikili eyethulwayo izothakazelisa futhi ilusizo kulabo abafisa ukuthenga imoto ngaphandle kwemali eyanele yalokhu. Kuyasiza futhi ukuyifundela labo abathathe isinqumo sokuthuthukisa ulwazi lwabo lwezezimali.

Uma ungomunye walezi zigaba, ungachithi isikhathi, qala ukufunda manje!

Ungayithola kanjani imali mboleko yemoto enenzuzo yemoto entsha noma esetshenzisiwe (ngaphandle kokukhokha phansi, i-CASCO, izitifiketi), nokuthi ungathola kuphi imali mboleko yemoto ngomlando wesikweletu esibi - funda le ndatshana!

1. Imalimboleko yemoto njengendlela esheshayo yokuthenga imoto ngokushoda kwezimali 🚗

Kuthiwani uma ufuna ngempela ukuba ngumnikazi wemoto, kepha ungenayo imali eyanele? Kunezindlela eziningana zokuxazulula inkinga.

Izinketho zezenzo uma imali inganele ukuthenga imoto oyifunayo:

1. ukuhlehlisa ukuthengwa kuze kutholakale inani elidingekayo;
2. khetha imoto eshibhile, ezoba nemali eyanele;
3. thola imali mboleko yemoto.

Izindlela ezimbili zokuqala ikuvumela ukuthi wonge imali, kepha kuzofanele uqhubeke ukunyuka.

Inketho yesithathu kwenza kube nokwenzeka ukuba ngumnikazi wemoto cishe ngokushesha - ezinsukwini ezimbalwa. Noma kunjalo, kufanele khokha ngokweqile wemoto, inani elikhulu impela, eliqukethe inzalo yemalimboleko namakhomishini ahlukahlukene.

Vele, kukuwo wonke umuntu ukuthi anganquma ukuthi iyiphi inketho ayithandayo. Kodwa-ke, ukuze wenze ukukhetha okulungile, udinga ukuthi ube nemininingwane eyanele esesikhathini mayelana nemalimboleko yemoto. Ngakho-ke, le ndatshana yadalwa.

Ukutadishwa kwanoma yiluphi udaba kufanele kuqale ngokujwayela imigomo.

Imalimboleko yemoto - Lolu uhlobo lokuboleka, lapho isikhungo sekhredithi sinikeza obolekayo imali yokuthenga imoto, ayidlulisele kumthengisi.

Kubalulekile ukuqondaukuthi imoto izohlala ithenjisiwe yibhange kuze kube yilapho imali mboleko yemoto ikhokhelwe ngokuphelele.

Abaningi bayenqaba ukufaka isicelo semalimboleko yokuthenga imoto, ngoba bakholelwa ukuthi uma belahlekelwa inkokhelo, bangalahlekelwa yimoto yabo. Ungesabi - akulula kangako. Ibhange lingathatha imoto kuphela ngosizo lwe abasizi besikhonzi senkantolo... Le nqubo yinde impela, ngoba okokuqala okweletwayo kuzofanele afake isimangalo enkantolo.

Ngemuva kwalokho, icala lizobhekwa enkantolo. Futhi kuphela lapho ibhange liwina, lizokwazi ukufuna kumboleki ukufeza izibopho zemalimboleko. Noma kunjalo, imoto akudingeki ukuthi ikhethwe. Obolekayo kuzodingeka wedwa unqume ukuthi uzosikhipha kanjani isinqumo senkantolo - adayise imoto noma buyisela isikweletu ngandlela thile ngokuhlukile... Ukuze ufunde ukuthi ungathengisa kanjani ngokushesha imoto esetshenzisiwe, funda i-athikili kusixhumanisi.

Ngaphezu kwalokho, umuntu othathe imalimboleko yemoto kungenzeka angalindi ukuthi ibhange limmangalele. Kungcono kakhulu ukuxhumana ngokushesha nenhlangano yezikweletu uma unezinkinga ngokukhokhela imali mboleko ukuze uzame ukuxazulula inkinga ngokuthula. Lokhu kungenziwa ngezindlela eziningana.

Izinketho zezenzo uma kungenakwenzeka ukukhokha imalimboleko:

• cela amaholidi esikweletu - ukumiswa kwezinkokhelo izinyanga ezimbalwa;
• ukuhlela kabusha isikweletu - ukunciphisa inani lokukhokha ngokwandisa isikhathi semalimboleko;
• ukuxhasa kabusha imalimboleko kwelinye ibhange ngenhloso yokwehlisa izinga lokukhokha ngokweqile.

Ngokwemvelo, zonke lezi zinyathelo ezingenhla zingamacala adlulele. Kwanele ukuhlola kahle amakhono akho ezezimali futhi wenze izinkokhelo ngesikhathi ukuze ugweme izinkinga ezichazwe ngenhla.

Akunzima ukuthola imali mboleko yemoto, kwanele ukunqoba lezi zinyathelo ezilandelayo:

1. ukukhetha imoto;
2. ukuxhumana nesikhungo sezikweletu;
3. ukuphethwa kwesivumelwano semalimboleko sokuthengwa kwemoto;
4. ukwenza inkokhelo yokuqala;
5. ukudluliswa kwezimali ezibolekwe yibhange kumthengisi wezimoto;
6. ukubhaliswa kabusha kwemoto kumboleki.

Imalimboleko yemoto ithi ukubolekwa kwelitshe... Izimali ezikuyo zingasetshenziselwa ukuthenga imoto kuphela. Kodwa-ke, amanye amabhange anciphisa uhlu lwezindawo ezithengisa izimoto lapho ungathenga khona.

Isimo esikhulu semalimboleko yemoto yile isilinganiso senzalo... Namuhla emakethe yezimali yaseRussia inani layo elijwayelekile lisezingeni kusuka ku-12 kuye ku-20% ngonyaka.

Kuneminye imingcele ebalulekile yemalimboleko yemoto ekhishwe yibhange:

• isikhathi kusuka 12 ngaphambi 60 izinyanga;
• imali yokuqala kungenzeka angabikho, futhi angafinyelela uhhafu wezindleko zemoto;
• umshuwalense OSAGO futhi CASCO (abanye ababolekisi bavumela ukungakhiphi inqubomgomo yokugcina).

Lapho ethatha isinqumo sokufaka isicelo semalimboleko yemoto, obolekayo kufanele azi ukuthi yini izidingo zebhange kulowo ofaka isicelo.

Izidingo eziyinhloko zamabhange zababoleki abakhiphe imalimboleko yemoto:

• yisakhamuzi Russian Federation;
• ubudala kusuka 21 yonyaka (kwesinye isikhathi kusuka ku-18) ngaphambi 65 iminyaka ngosuku lokukhokhwa okugcwele kwemali mboleko;
• ukubhaliswa unomphela endaweni yegatsha lasebhange;
• ubukhulu emsebenzini wokugcina hhayi ngaphansi 6 izinyangaezinye izikhungo zezikweletu zidinga ukuthi okungenani zibe yizinyanga eziyi-12;
• imali eqinisekisiwe esemthethweni kumele yenele ukukhokha isikweletu.

Njenganoma iyiphi insizakalo yezezimali, imali mboleko yemoto inayo izinzuzo futhi ukulinganiselwa.

Amaphuzu amahle akhombisa izakhamizi ukuthi zifake izicelo zemalimboleko yemoto yile:

1. ithuba lokuba umnikazi wemoto ngesikhathi esifushane ngangokunokwenzeka nenani eliphansi lemali;
2. isikhathi eside sokukhokha uma kuqhathaniswa nemalimboleko yabathengi siholela ekwehleni ngosayizi wenkokhelo yenyanga;
3. uma ufuna ukuthenga imoto yasekhaya, ungathola imali mboleko ngokwemibandela ekhethwayo - cishe ngaphansi 9% ngonyaka.

Phakathi kokubi kwesikweletu semoto kukhona okulandelayo:

1. Imalimboleko ihlale ihambisana nokudlulela kuzindleko zokutholwa eziphelele ngaphezu kwangempela. Ngokwesilinganiso, imoto izobiza 50% kubiza kakhulu kunokukhokha ngaphandle kokuheha izimali zesikweletu;
2. Izinhlangano eziningi zezikweletu zidinga ukuthi ukhiphe inqubomgomo ye-CASCO ngaphandle kokwehluleka. Lokhu kwandisa izindleko zomnikazi wemoto cishe 10%... Sibhale ngendlela yokubala i-CASCO nokuthi izindleko zayo zixhomeke endatshaneni edlule.

Ngemalimboleko yemoto esheshayo nenethezekile, ungasebenzisa leli thuba ukufaka isicelo nge-Intanethi... Kulula ukuthumela uhlu lwemibuzo emabhange amaningi ngasikhathi sinye.

Izinhlobo eziyinhloko zemalimboleko yemoto (imali mboleko yemoto)

2. Iyini imalimboleko yokuthenga imoto - izinhlobo eziyisi-7 zemalimboleko yemoto 📊

Uhlelo lokubolekisa oluchazwe ngenhla (esigabeni sokuqala sendatshana) lujwayelekile. Noma kunjalo, akuyona eyabo bonke abantu. Kungakho kukhona ezinye izinketho, phakathi kwalapho kulula khona ukukhetha eyodwa efanele isimo esithile bese uzinqumela wena, ukuthi yimaphi imalimboleko yemoto enenzuzo enkulu.

Ngezansi kukhona 7 izinhlobo ezithandwa kakhulu zemalimboleko yezimoto.

Thayipha 1. Express Imalimboleko yemoto (imali mboleko esheshayo yemoto)

Isici esihlukile semalimboleko yezimoto ezivelele yile isivinini sokubhalisa... Kodwa-ke, lolu hlobo lokubolekisa lunezinkinga ezinkulu.

Okubi koku (-) ukubolekwa kwemoto okucacile kufaka:

• Isikhathi sokubuyisa izikweletu, kanye nosayizi wemalimboleko yalezo zimali mboleko, sehlisiwe ngenxa yezinga eliphezulu lobungozi elithathwa yibhange;
• Izinga lenzalo ephezulu;
• Kuzodingeka ukukhokhelwa phansi, okungenzeki ukuthi kube kuncane 30% wenani lemoto.

Ngenani elikhulu kangaka lokubi, imalimboleko yemoto ebonakalayo inokubaluleka okukhulu isithunzi (+) - isheke esheshayo. Uma kwenzeka isinqumo esifanele lapho ufaka isicelo salolo hlelo, ungathola imali emahoreni ambalwa.

Kulabo abanesineke sokuthenga imoto, lolu hlelo lufanelekile. Kodwa-ke, kungcono ukuthi ungajahi futhi uhlaziye zonke izinketho ezingaba khona zemalimboleko yemoto. Eziningi zazo zingaba nenzuzo ethe xaxa kunemali ebolekiwe yemoto.

Buka 2. Imalimboleko yemoto ohlelweni lwe-Trade-in

Imalimboleko yemoto ingaba wusizo hhayi kulabo kuphela abathenga imoto okokuqala ngqa, kepha nakwalabo abathathe isinqumo sokushintsha ihhashi labo lensimbi.

Lapho ukhetha uhlelo olucutshungulwayo, imoto etholakalayo izosebenza njengesitolimende sokuqala.

buhle (+) Ukuhweba ngaphakathi okusobala - asikho isidingo sokufuna umthengi wemoto yakho, kanye nezimali zokwenza imali ngaphambi kwesikhathi.

Noma kunjalo, kukhona futhi okubalulekile ububi (-) - Ababolekisi bavame ukubukela phansi kakhulu inani le-↓ lemoto ethengiwe uma kuqhathaniswa nenani lemakethe.

Thayipha 3. Imalimboleko yemoto ngokuthenga kabusha (Buy-back)

Igama lalesi sikimu lihunyushwa lisuselwa esiNgisini njenge "Phinda uthenge"... Kulokhu, imali mboleko yemoto yendabuko ikhishwa ubuningi be- 3 konyaka. Isici esihlukile sezinhlobo yilokho obolekayo uzokhokha ingxenye kuphela yesikweletu - imvamisa 50-80%.

Lapho nje sekuvunyelwene ngemali okuvunyelwene ngayo, abathengisa izimoto bazoyithenga imoto. Kulokhu, ingxenye yemali izosetshenziswa ekubuyiseni imali ebolekiwe, okusele kumboleki uzokwazi ukulahla ngokuthanda kwakhe. Unelungelo lokukhipha imali noma lokuphothula inkontileka yokuthenga imoto entsha.

Uma imoto yomboleki ivumelana, angakhokha ngokuzimela ibhalansi yesikweletu futhi azigcinele yena. Ezimweni lapho inani elidingekayo lingekho, ungaphinda usebenzise isibonelelo semalimboleko.

Okubi (-) kwemali mboleko yemoto ohlelweni lwe-Buy-back kufaka:

• Kuyadingeka ukugcina njalo imoto isesimweni esihle, ngoba inani layo lokuhlengwa lincike kulokhu;
• Kuzofanele ukhiphe yonke imishwalense, futhi ulondolozwe njalo ezikhungweni ezisemthethweni zokusebenza.

Yize kunokubi kwalolu hlobo lwemalimboleko yezimoto, uhlelo lweBuy-back luyisixazululo esihle kakhulu kulabo abashintsha njalo izimoto.

Thayipha 4. Imalimboleko yemoto ngaphandle kokukhokha phansi

Le nketho ifanele labo abangenayo indlela yokukhokha phansi futhi abafuna ukuthenga imoto ngokushesha okukhulu.

Kubalulekile ukucabangela ukuthi imalimboleko enjalo yemoto inezinga eliphakeme. Ngakho-ke, ngokungabikho kwemali ekhokhwayo ukukhokha ngokweqile kuzoba nokuningi ↑.

Thayipha 5. Imalimboleko yemoto ngaphandle kweCASCO

Lapho ufaka isicelo semalimboleko yemoto, amabhange amaningi adinga ukuthi obolekayo athenge Inqubomgomo ye-CASCO... Izindleko zomshuwalense onjalo ziphakeme impela, ngakho ukukhokhwa ngokweqile kwemoto kukhuphuka kakhulu.

Abaningi, ukuze bangakhokhi umshwalense, khetha imali mboleko yabathengi. Kepha kufanele kukhunjulwe ukuthi isilinganiso semalimboleko enjalo siphezulu kakhulu. Lokhu futhi kuholela ekwandeni kokukhokhwa ngokweqile.

Ukuthenga imoto ibe nenzuzo ngangokunokwenzeka, kufanele ubale ukuthi izindleko zizokwehla kuphi - uma ukhipha inqubomgomo ye-CASCO noma lapho wenza isivumelwano esinezinga eliphakeme.

Ezinye izikhungo ezibolekisayo zinikela ngendabuko imalimboleko ezenzakalelayo ngaphandle komshwalense... Kepha kulokhu, ngeke kusebenze ukuthenga imoto ebizayo, ngoba inani lemalimboleko lizoba angiphinde 500 000 ama-ruble... Ngaphezu kwalokho, imalimboleko enjalo yemoto inamaphesenti aphezulu.

Thayipha 6. Imalimboleko yemoto ngaphandle kwesitatimende semali engenayo

Namuhla, phakathi nomncintiswano, amabhange athuthukisa iziphakamiso ezithandekayo zababolekisi. Manje usungathola imalimboleko yemoto ngokunikeza ngemibhalo emincane.

Kulokhu, awudingi ukuqoqa izitifiketi lapho usebenza khona, kufaka phakathi ababambisene nabo kanye nabaqinisekisi. Kodwa-ke, imali mboleko enesikimu sokuklama esilula ihanjiswa njalo ibiza kakhulu, ngoba isilinganiso sazo ngokuvamile siphezulu kune- ↑.

Buka 7. Ukuqashisa ngezimoto

Okokuqala, ake sibheke ukuthi uyini umqondo "Ukuqashisa".

Ukuqashisa ukwamukelwa kwemoto ezosetshenziswa nethuba lokuhlengwa kwayo okulandelayo ngemuva kokuphela kwenkontileka.

Le fomethi yokuthola umshini ibizwa nangokuthi ukuqashiswa kwezezimali... Umehluko omkhulu ekuqashweni ukukhetha - ukuthenga imoto noma ukuyenqaba.

Kunezinzuzo eziningi zokuqashisa ngemalimboleko yemoto:

1. amaphesenti aphansi;
2. uhlelo olwenziwe lula lokuthola;
3. uhlelo lokukhokha nyangazonke luguquguquka kakhulu kunalokubolekwa kwezimoto;
4. asikho isidingo sokuheha abaqinisekisi noma ukuhlinzeka ngesibambiso esengeziwe;
5. umboleki akudingeki akhokhe intela, ngoba imoto ihlala kubanikazi benkampani eqashisayo ngesikhathi sesivumelwano.

Ongoti bathi ukuthi ukuqashisa imoto kungaba nenzuzo enkulu kunesimalimboleko semoto. Lokhu kuyiqiniso ikakhulukazi lapho, ngemuva kokuphela kwenkontileka, umqashi ehlela ukubuyisela imoto kumthengisi. Ngasikhathi sinye, azikho izinkinga ngokuthengisa imoto esetshenzisiwe.

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Ngakho-ke, kunezinketho eziningi zokuthenga imoto ngemali enganele. Okuthandwa kakhulu kuxoxwa ngakho ngemininingwane engezansi.

3. Imalimboleko yemoto ngaphandle kokukhokha phansi - ungayithola kanjani imoto entsha ngesikweletu ezinyathelweni eziyi-7 + emabhange anikezela ngemalimboleko yemoto ngaphandle kokukhokha phansi 📑

Namuhla, ngisho nalabo abangenamali nhlobo baphupha ngokuthenga imoto. Ikakhulukazi ezimweni ezinjalo, imali mboleko yezimoto yenziwe ngaphandle kwesidingo sokwenza inkokhelo yokuqala.

Akuwona wonke amabhange anezinhlelo ezinjalo. Kodwa-ke, ezindaweni ezinkulu zasemadolobheni amakhulu, kulula ukuthola izikhungo eziningana zezikweletu ezinikela ngokuboleka imali yokuthenga imoto ngaphandle kokukhokha phansi.

3.1. Izinzuzo nobubi bemalimboleko yemoto ngaphandle kokukhokha phansi

Amabhange akuzona izinhlangano ezisiza umphakathi, ngakho-ke enza konke okusemandleni awo ukwandisa amathuba okukhokha imali ekhishwe yiwo. Lokhu kuholela eqinisweni lokuthi ezimweni eziningi, labo abangaba ababoleki kuyadingeka ukuthi bahambise amadokhumende afakazela ukwaneliseka okwanele.

Kodwa-ke, ngaphezu kwalokhu, ukuqinisekiswa kwezezimali kokuxazululwa kweklayenti nakho kuyadingeka. Yilokho kanye imali yokuqala... Usayizi wayo uyahlukahluka ezinhlelweni ezahlukahlukene ezikhungweni ezehlukene zokubolekisa. Imvamisa isitolimende sokuqala siyadingeka kusuka ku-10% kuya ku-50% izindleko zemoto.

Kubalulekile ukuqonda ukuthi kungani amabhange efuna ukukhokhelwa phansi. Konke kulula kakhulu. Izindleko zemoto zihlala zehla ↓. Lapho uthenga endaweni yokuthengisa izimoto, ngemuva kokushiya indawo yayo, imoto iba eshibhile cishe ku-10%... Kamuva njalo ngonyaka izindleko zehla ngo-5-10%.

Ngokubeka phambili isidingo sokukhokha phansi, ibhange lizama ukubuyisa inani elihambelana nokwehla kwenani lemoto.Ngenxa yalokhu, uma obolekayo enqaba ukukhokha isikweletu, ithuba lokuthi imali etholakale ekuthengisweni kwento ethenjisiwe izobuyisela izindleko zombolekisi.

Lapho isikhungo sekhredithi sinikela ngokuthola imalimboleko yemoto ngaphandle kokukhokha okokuqala, izingozi zihlanganiswa ngezinye izindlela.

Izinketho zezinyathelo ezisetshenziswa amabhange ukwehlisa izingozi lapho ukhipha imali mboleko yezimoto ngaphandle kokukhokha phansi:

1. isheke eliphelele lokufaneleka kwesikweletu nomlando wesikweletu - ababoleki abanezinkinga ngeke banikezwe imalimboleko yemoto ngaphandle kokukhokha phansi;
2. ukukhuphuka kwezinga - ngokwesilinganiso semalimboleko ngaphandle kokukhokha kokuqala, it vula 5-10% ngonyaka ngenhla ↑;
3. imfuneko yokuthenga inqubomgomo ye-CASCO - uma kwenzeka kunezinkinga ngemoto, izinkokhelo zomshuwalense zithunyelwa ukukhokha isikweletu semalimboleko;
4. ukwehliswa kwemali engaba khona yemalimboleko yemoto - akunakwenzeka ukuthi kuzokwazi ukuthola ngaphezulu kwesigidi esisodwa ngaphandle kokukhokha phansi;
5. ukuncishiswa kwesikhathi semalimboleko - ngokungafani nezinhlelo ezijwayelekile, lapho isikhathi esiphezulu sokukhokha siyiminyaka engu-5, lapho kungekho ukukhokha kokuqala, imvamisaayidluli3 iminyaka;
6. okweletwayo angafuna ukubandakanyeka kwabaqinisekisi.

Isinyathelo ngasinye esichaziwe sisongela umboleki ngokunyuka kwezindleko zokugcina zemoto. Ngakho-ke, Inqubomgomo ye-CASCO kubiza cishe 10% kusukela ezindlekweni zemalimboleko. Kuzofanele kwenziwe unyaka nonyaka kuze kukhokhwe isikweletu ngokugcwele. Uma sengeza lapha isilinganiso esikhuphukilekanye nokuhlukahluka ikhomishini futhi izinkokhelo ezengeziwe, ukukhokha ngokweqile kuzoba okuningi ngenhla↑... Kepha ngasikhathi sinye, ungaba ngumnikazi wemoto ekahle ngaphandle kwemali.

Kubalulekile ukuqonda ukuthi akuwona wonke umuntu ozokwazi ukuthola imali mboleko yemoto. Obolekayo unezidingo ezithile. Zihlukile emabhange ahlukene, kepha kunezici ezithile ezijwayelekile, okungafani kwazo okungavumeli ukubala ekutholeni izimali.

Izidingo eziyinhloko zamabhange kubantu abafisa ukufaka isicelo semalimboleko yemoto ngaphandle kokukhokha phansi:

• Ubuzwe baseRussia;
• ubudala esukela 21 ngaphambi 65 iminyaka;
• ukubhaliswa unomphela endaweni lapho kutholakala khona isikhungo sekhredithi;
• imali ebhaliweosayizi wakhe okungenani 2 ukukhokha inkokhelo yanyanga zonke;
• ukuqashwa ngokusemthethweni enkampanini ethembekile;
• isipiliyoni emsebenzini wokugcina okungenani 12 izinyanga;
• azikho izimalimboleko ezisasele;
• umlando wesikweletu ophelele.

Kunezici eziningana zababoleki ezinciphisa kakhulu amathuba esinqumo esihle ebhange:

1. ukuntuleka komazisi wezempi wezinsizwa 27 iminyaka;
2. umfakisicelo unabondli;
3. izibopho zokukhokha imali yesondlo.

Ngendlela, ukuthenga imoto esetshenzisiwe ngaphandle kokukhokha phansi akunakwenzeka ukuthi kusebenze. Ngokuvamile, lolu hlelo lusetshenziselwa ukuthenga imoto. kuphela nge-salon. Kubaboleki abahlukahlukene, kungafana plusfuthi khipha imali mboleko ngaphandle kwenkokhelo yokuqala.Ngomunye Ngakolunye uhlangothi, izindleko zemishini enjalo ziphakeme, futhi ukukhetha kuncane. Ngomunye - kuzoba nesiqinisekiso semvume yokuthengwa kwemoto ngokusemthethweni, ukusebenza kwayo.

Inzuzo ebaluleke kakhulu yemalimboleko yemoto ngaphandle kokukhokha phansi ukuthi asikho isidingo sokonga imali. Usebenzisa lolu hlelo, ungaba ngumnikazi wemoto nganoma yisiphi isikhathi ofuna ngaso. Ngalokhu, kubalulekile ukuthola imvume yebhange.

Izinyathelo ezilula ezi-7 zokuthola imalimboleko yemoto ngaphandle kokukhokha phansi kwemoto entsha

3.2. Ungayithola kanjani imalimboleko yemoto ngaphandle kokukhokha phansi kwemoto entsha - imiyalo yesinyathelo ngesinyathelo

Kukhona 2 izindlela zokuba ngumnikazi wemoto lapho kungekho mali:

1. Thola imali mboleko esikhungweni sezikweletu;
2. Thola imali mboleko lapho kudayiswa khona izimoto.

Futhi empeleni, nakwelinye icala, isivumelwano semalimboleko sizokwakhiwa nebhange. Kodwa-ke, lapho uxhumana nesalon, imalimboleko ivame ukubiza ibiza kakhulu... Ukuphela kwendlela yokwehlisa ukukhokhwa ngokweqile kuleli cala ukusebenzisa ukunikezwa kwesizini.

Akunandaba ukuthi kunikezwa kuphi amadokhumende wemalimboleko yemoto, labo abafaka isicelo semalimboleko enjalo okokuqala bangahlangabezana nobunzima, bengazi ukuthi iyiphi inqubo okufanele bayilandele. Kungasiza imiyalo yesinyathelo ngesinyatheloihlanganiswe ochwepheshe.

Isinyathelo 1. Ukukhetha imoto

Isinyathelo sokuqala sokufaka isicelo semalimboleko yemoto kufanele kube ukusesha nokukhethwa kwemoto. Kubalulekile ukunquma hhayi kuphela nge imodelikepha futhi nge isethi ephelele... Le ndlela ikuvumela ukuba uqonde kusengaphambili ukuthi yiliphi inani lemali elizodingeka.

Okubalulekile! Lapho ukhetha imoto, izici ezinqumayo kufanele zibe izidingo, futhi amathuba ezezimali obolekayo uqobo.

Ukuze ungavumeli ukunqotshwa kochwepheshe bezindawo ezithengisa izimoto, kufanelekile ukurekhoda izidingo zomboleki ngemoto. Uma ungakwenzi lokhu, kunethuba lokuthenga imoto ehluke ngokuphelele ongathanda. Lokhu kuthenga kuvame ukubiza kakhulu.

Isinyathelo 2. Ukukhetha ibhange nokuqhathanisa izinhlelo zokubolekisa

Namuhla, amabhange ambalwa athembisa ukuhlela imalimboleko yemoto. Vele, kulabo abangenawo amandla okukhokha phansi, uhlu luyancipha. Kodwa-ke, noma isigaba esinjalo sabantu singathola ukunikezwa okuhle.

Okokuqala, kufanelekile ukuhlaziywa kwezimo ebhange lapho umboleki wesikhathi esizayo athola khona inkokhelo. Esikhathini esiningi lapha ungathembela ezimweni ezinhle ngokwengeziwe - ukwehla ↓ isilinganiso senzalo nokwanda ↑ inani elikhulu lemalimboleko.

Kodwa-ke, uma imigomo yokubolekiswa ebhange "leholo" ingagculisi, noma inkampani ikhokha amaholo ngokheshi, kuzofanele ufune omunye umbolekisi.

Ngenqubo yokukhetha ibhange, kufanele ugxile kumapharamitha alandelayo:

• isilinganiso, ithunyelwe yi-ejensi ezimele;
• ukutholakala kwendawo;
• Isikhathi somsebenzi emakethe yezezimali yaseRussia;
• ukubuyekezwa labo asebevele basebenzisa izinsizakalo zesikhungo sezikweletu.

Kubalulekile ukwazi! Ukwenza lula inqubo yokukhetha ibhange, ungasebenzisa izinsizakalo ezikhethekileokwethulwe kabanzi kwi-Intanethi namuhla. Bayakuvumela ukuthi uqhathanise izinhlelo zamabhange ahlukene ngokushesha futhi akunankinga.

Lapho ukhetha umbolekisi, kufanele ukhumbule ukuthi izinhlangano ezinkulu nezaziwayo zingaziqhayisa ngokuthembeka okukhulu kakhulu.

Isinyathelo 3. Ukulungiswa kwephakeji lemibhalo nokufaka isicelo

Ngemuva kokukhetha ibhange, obolekayo kufanele athole ukuthi yimiphi imibhalo ezodingeka ukufaka isicelo semalimboleko yemoto lapha. Ukwakheka kwephakheji yezokuphepha kungahluka emabhange ahlukene, kepha kunezidingo ezijwayelekile kuzo zonke izikhungo zezikweletu.

Ngokwesiko, iphakethe lamadokhumenti lokufaka isicelo semalimboleko yemoto lifaka:

1. Iphasiphothi yaseRussia;
2. idokhumenti yesibili (isibIzincwadi zokushayela, isitifiketi seSNILS nezinye);
3. ikhophi yencwadi yomsebenzi eqinisekiswe ngumqashi;
4. isitifiketi semali engenayo 2-NDFL noma ngokwefomu elenziwe yibhange.

Amathuba esimanje avumela ababolekayo ukuthi bonge isikhathi esiningi lapho befaka isicelo. Namuhla asikho isidingo sokuvakashela igatsha lesikhungo esikhethiwe sezikweletu bese ulinda emigqeni isikhathi eside. Ungathumela isicelo semalimboleko yemoto usebenzisa inthanethi.

Okubalulekile! Kungcono ukuthumela isicelo semalimboleko yemoto enanini eliphezulu lamabhange. Lapho-ke, uma kwenzeka wenqatshwa esikhungweni esisodwa sezikweletu, ngeke kudingeke uchithe isikhathi sakho ucubungula izicelo ezintsha. Uma isinqumo esihle sivela emabhange amaningi, ungakhetha kalula esizedlula zonke.

Impendulo yezicelo ezifakiwe ivame ukwamukelwa ngesikhathi samahora ambalwa noma 1-2 izinsuku... Ngalesi sikhathi, ibhange liyahlola isikweletu... Kodwa-ke, lapho wenza isicelo online, obolekayo kufanele azi ukuthi isinqumo sizoba esokuqala. Lapho uthola imvume, kuzofanele uvakashele ihhovisi lasebhange nephasela lamadokhumenti. Impendulo yokugcina izotholwa kuphela emva kokuzihlola.

Isinyathelo 4. Ukwenziwa kwesivumelwano semalimboleko

Lesi sigaba sibaluleke kakhulu lapho uthola imalimboleko yemoto. Kodwa-ke, abanye ababoleki bakubona njengokusemthethweni nje. Kepha lesi simo sengqondo kuvame ukuholela ezinkingeni eziningi kakhulu.

Noma yimuphi umboleki kumele ngokucophelela funda isivumelwano semalimboleko. Unelungelo lokukwenza lokhu endaweni yokumisa enethezekile futhi ezolile. Uma ungakwazi ukufunda isivumelwano ngaphandle kokuxhamazela ebhange, ungaya naso ekhaya.

Isinyathelo 5. Ukubhaliswa kwezimoto nenqubomgomo yomshuwalense

Imalimboleko yemoto ngaphandle kokukhokha phansi imvamisa idinga ukubhaliswa okuyimpoqo Inqubomgomo ye-CASCO... Ngasikhathi sinye, ibhange akufanele livimbe umboleki ekukhetheni inkampani yomshuwalense.

Kuyafaneleka ukucatshangelwa! Kuyinto elula ukukhipha inqubomgomo ye-CASCO nge-Intanethi. Kulokhu, umshwalense uzobiza eshibhile, futhi inqubomgomo izohanjiswa ngqo ekhaya lakho.

Ngemuva kokuthenga, imoto kufanele ibhaliswe namaphoyisa omgwaqo. Lokhu kungenziwa zingakapheli izinsuku eziyi-10 kusukela ngosuku lwesivumelwano. Kulokhu, uzodinga ukukhipha Inqubomgomo ye-OSAGO futhi idluliselwe kwisabelomali imali kahulumeni.

Ngemuva kokuthi inqubo yokubhalisa isiqediwe, umnikazi wemoto uzokhishwa isitifiketi, eqinisekisa ukubhaliswa.

Isinyathelo 6. Ukudluliswa kwe-PTS nomshwalense esikhungweni sesikweletu

Ngokuya ngemigomo yemalimboleko yezimoto i-TCP yangempela kufanele ifakwe ebhange ngenhloso yokubhalisa isibambiso. Iphasipoti yemoto izohlala lapho kuze kube isikweletu sikhokhelwa ngokuphelele.

Uzodinga futhi ukuhlinzeka umbolekisi amakhophi wezinqubomgomo, eqinisekisa ukubhaliswa komshwalense.

Isinyathelo 7. Ukubuyiselwa kwemali mboleko nokuhoxiswa kwemoto kwisibambiso

Akusekho mzamo omkhulu osele. Kubalulekile ukukhokha ngemali mboleko ngesikhathi futhi ngokugcwele.

Lapho imalimboleko ikhokhwe ngokuphelele, kufanele uxhumane nebhange. Nakhu okukhishwayo isicelo sokukhishwa kwe-PTS umnikazi wayo. Ngaphezu kwalokho, abasebenzi besikhungo esibolekisa kufanele basuse okuhlanganayo emotweni.

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Ngakho-ke, ngokulandela imiyalo elula yesinyathelo ngesinyathelo, ungaba ngumnikazi wemoto ngokugcwele. Lokhu kungenziwa noma ingekho imali.

3.3. Kukuphi lapho kunenzuzo khona ukuthatha imalimboleko yemoto ngaphandle kokukhokha phansi - uhlu lwamabhange we-TOP-3 anikezwa okuhle

Ukuthola ibhange elinganikeza ngemalimboleko yemoto ngaphandle kokukhokha phansi ngokuvamile kunzima.

Ngakho-ke, ochwepheshe bavame ukutusa ukuthenga imoto ngezindleko kufika kuma-ruble angama-300,000 hlela imalimboleko yabathengi noma ikhadi lesikweletu.

Kunoma ikuphi, kufanele uhlale uhlaziya iziphakamiso zenani eliphezulu lezikhungo zezikweletu. Amazinga ngochwepheshe asiza ukwenza umsebenzi ube lula. Omunye wabo uvezwe ngezansi.

1) I-Alfa Bank

Kuleli bhange ungathola ikhadi lesikweletu elinomkhawulo kufika kuma-ruble angama-300,000... Uma ungathola imali yakho ngesikhathi 2 izinyanga, inzalo ngeke ikhokhiswe. Insizakalo yekhadi ngonyaka wokuqala imahhala ngokuphelele.

Ungafaka isicelo online. Uma isinqumo sivuma, ungaya ngokuphepha ehhovisi eliseduzane uyothola ikhadi.

Phakathi kwama-pluses (+) e-Alfa Bank kukhona okulandelayo:

• inombolo enkulu yezinketho ezitholakalayo zokukhokha isikweletu;
• uhlelo lokusebenza lweselula;
• amagatsha anendlela yokusebenza kuze kube ngu-21-00 kulo lonke elaseRussia;
• inani elikhulu lama-ATM;
• ikhono lokusebenzisa ukubhenka nge-Inthanethi.

2) IRaiffeisenbank

IRaiffeisenbank isebenza emakethe yezimali yaseRussia kusukela lapho 1996 konyaka. Ngemuva kokufaka isicelo semalimboleko, kuzofanela ulinde impendulo angiphinde 3 amahora.

Kuzuzisa ikakhulukazi ukufaka isicelo semalimboleko kulabo abathola inkokhelo kumakhadi alesi sikhungo sesikweletu. Kulesi sigaba sezakhamizi, kunikeziwe amagama akhethwayo.

URaiffeisenbank usethe inani lenzalo kwizimalimboleko ezinikeza zona kusuka ku-12.9% minyaka yonke. Kulokhu, inani lemalimboleko lingafinyelela Ama-ruble ayi-1,500,000.

Izinzuzo zesikhungo esikweletwayo esethulwe yilezi:

• ukucubungula ngokushesha isicelo;
• ayikho ikhomishini yokubhalisa nokukhishwa kwemalimboleko;
• uma impendulo inguyebo, umboleki uzoba nemali yokuthenga imoto ngosuku okwenziwa ngalo isinqumo;
• akukho ukumiswa kokukhokha ngaphambi kwesikhathi (ungabuyisa lonke inani kusukela ngenyanga yokuqala);
• asikho isidingo sokunikeza ukuphepha okungeziwe - izibambiso nezibambiso.

3) I-VTB Bank yaseMoscow

Kulesi sikhungo sezikweletu, nganoma iyiphi injongo, bayakhipha kufika kuma-ruble ayizi-3 000 000... Kulokhu, isilinganiso sikhona kuphela 14,9% minyaka yonke.

Ukuhambisa isicelo, kwanele ukugcwalisa ifomu kuwebhusayithi yebhange. Kakade ngaphesheya 15 imizuzu ibhange lizothatha isinqumo sokuqala. Ngemuva kwalokho, ngemibhalo, kufanele uvakashele ihhovisi lesikhungo sezikweletu bese usayina isivumelwano.

I-VTB Bank yaseMoscow inikela ngezinhlelo ezikhethwayo zezigaba ezi-2 zezakhamizi:

1. abasebenzi bakahulumeni;
2. amaklayenti okuhola.

Abantu abathola umholo ekhadini laleli bhange bangaba ababoleki ngokwethula kuphela imibhalo emi-2 - Ipasipoti yaseRussia futhi Isitifiketi se-SNILS.

Uma okweletayo enezinkinga zezezimali, ibhange lihlinzeka ngamaholide wesikweletu aze afike ezinyangeni ezimbili.

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Ngokuqhathanisa ngokunethezeka kwezikhungo zezikweletu ezichazwe ngenhla, imibandela ezinikezwa yizo zethulwe etafuleni.

Ithebula lezikhungo zezikweletu ze-TOP-3 nemibandela yazo yokukhipha imali mboleko yemoto:

Inhlangano yezikweletu	Inani eliphakeme lemalimboleko	Izinga lenzalo	Izinzuzo
I-Alfa Bank	Ngekhadi lesikweletu - ama-ruble ayizinkulungwane ezingama-300	Kunesikhathi somusa sekhadi - izinsuku ezingama-60 23.99% ngonyaka	Impendulo yesicelo kungakapheli imizuzu emibili
I-Raiffeisenbank	Ama-ruble ayizigidi eziyi-1.5	Kusuka ku-12.9% ngonyaka	Izimo ezincanyelwayo zamaklayenti emiholo Azikho iziqiniseko nezibambiso ezidingekayo
I-VTB Bank yaseMoscow	3 million ruble	Kusuka ku-14.9% ngonyaka	Izinhlelo ezikhethekile zabasebenzi bakahulumeni kanye namakhasimende emiholo

4. Imalimboleko yemoto esetshenzisiwe - ungayithatha kanjani imoto esetshenzisiwe ngesikweletu nokuthi yimaphi amabhange anika imali mboleko yemoto esetshenzisiwe

Akuwona wonke umuntu ongakwazi ukuthenga imoto entsha egumbini lokubonisa. Kaningi, izakhamizi zaseRussia zithenga izimoto esezisebenzile.

Kodwa-ke, kuthiwani uma kungekho mali eyanele ngisho nemoto enjalo? Ngabe kufanele ulahle iphupho lakho? Kukhona ukuphuma - imalimboleko yemoto esetshenzisiwe... Ake sizame ukuthola ukuthi ungayithola nini imali nokuthi ungayenza kanjani kangcono kakhulu.

4.1. Ingabe kunenzuzo ukuthatha imali mboleko yemoto esetshenzisiwe?

Okokuqala, kufanele uqonde ukuthi akuyona yonke imoto esetshenzisiwe engathengwa ngesikweletu. Amabhange afunda ngokucophelela izici zemoto ethengiwe futhi abeke izidingo ezithile kuyo.

Vele umbolekisi ngamunye unemigomo nemibandela yakhe. Kodwa-ke, kunezici ezimbalwa ezijwayelekile okufanele imoto ehlangabezane nazo ihlangane nayo ukuze iyithenge ngezimali ezibolekiwe.

Izidingo eziyisisekelo zemoto esetshenzisiwe lapho uyithenga ngesikweletu:

• izindleko kungabi ngaphezu kwenani elibekwe yibhange - imvamisa hhayi ephakeme 1 000 000 ama-ruble;
• ubudala izimoto zasekhaya azisekho 5 iminyaka, okwangaphandle - 10 iminyaka;
• isisindo angiphinde 3,5 amathani;
• amamayela ezimotweni zangaphandle ngaphakathi 100 000 km, kwasekhaya - 50 000 km.

Imvamisa, amabhange ahlinzeka ngemali mboleko yokuthengwa kwezimoto ezisetshenzisiwe ngokubambisana nabathengisi bezimoto. Lapho uthenga imoto kumuntu othile wesikhungo esikweletisa, ubungozi benyuka kakhulu. Ezimweni ezinjalo, cishe akunakwenzeka ukuthi ibhange lihlole isimo sobuchwepheshe, kanye nokuba semthethweni kwemvelaphi yemoto.

Bese ukhumbula, ukuthi abathengisa izimoto bathengisa izimoto cishe ezibiza u-5-10% kubiza kakhulu kunabahwebi abazimele. Noma kunjalo, kumthengi kukhona buhle ukuthengiselana okunjalo - asikho isidingo sokuzimela ngokuzimela ukuthi imoto isemthethweni futhi isebenza kanjani. Lokhu kusho ukuthi ingozi yokuthola imoto eyebiwe noma ephihliziwe yehliswe kakhulu ↓.

Akuwona wonke umuntu ongathola imali mboleko yokuthenga imoto esetshenzisiwe. Umfakisicelo kumele ahlangabezane nezimfuneko ezithile zebhange.

Izidingo ezijwayelekile zomboleki zimi kanje:

1. ubudala kusuka 21 ngaphambi 65 iminyaka;
2. Ubuzwe baseRussia;
3. ukutholakala kokubhaliswa unomphela esifundeni lapho ibhange likhona;
4. umlando omuhle wesikweletu;
5. isipiliyoni somsebenzi esiphelele hhayi ngaphansi 12 izinyanga, endaweni yokugcina - hhayi ngaphansi 6 izinyanga.

Ezinye izikhungo zezikweletu zidinga ngokwengeziwe isipiliyoni sokushayela... Obolekayo esikhathini esizayo kumele abe ngemuva kwesondo hhayi ngaphansi 10 iminyaka.

Okubalulekile! Cishe impela, imali mboleko yemoto izokwenqatshwa kubantu abasha nakubantu abahola impesheni. Ngaphansi kwezinhlelo ezincanyelwayo, noma kunjalo, ngeke ukwazi ukuthenga imoto esetshenzisiwe. Ikhishwa kuphela ezimotweni ezintsha.

Labo abathatha isinqumo sokuthenga imoto esetshenzisiwe ngesikweletu kufanele baqoqe inani elithile lemali. Ungakhohlwaukuthi izimoto ezisetshenzisiwe zidinga ukunakekelwa okuthile ngemuva nje kokuba zithengiwe. Kuzofanele siguqule okudliwayo, oketshezi, izinto ezigugile. Lokhu kuvame ukuthatha cishe 30% izindleko zemoto.

Ngaphambi kokuthatha isinqumo sokuthenga imoto esetshenzisiwe ngesikweletu, kubalulekile ukuthi ufunde ngokucophelela zonke izinzuzo nobubi bento enjalo.

Phakathi kwezinzuzo (+) zale mali mboleko yilezi:

1. isilinganiso esiphansi;
2. amanani amancane emalimboleko aholela ekukhokhweni kwemali engasho lutho;
3. ukukhetha kokubili izimoto zangaphandle nezimoto ezifuywayo kukhulu kakhulu;
4. lapho uthenga endaweni yokuthengisa izimoto, kunethuba lokuba umnikazi wemoto engaphansi neze kunalena entsha.

Yize kunezinzuzo ezingenakuphikwa, imali mboleko yemoto esetshenzisiwe inezinkinga eziningi.

Ububi (-) buhlanganisa:

1. Lapho uthenga kubantu, kunzima ukulandelela ukuba semthethweni imoto. Ngenxa yalokhu, kunethuba lokuba ngumnikazi wemoto yobugebengu, okuzoholela ezinkingeni ngamaphoyisa omgwaqo. Njengendlela yokugcina, imoto inga khipha.
2. Lapho uthenga esitolo sezimoto, intengo ifaka ukulungiswa nokulungiswa kwangaphambi kokuthengisa. Umphumela ukwenyuka kwamanani ama-compared uma kuqhathaniswa nesilinganiso semakethe.
3. Ukwanda okukhulu kwezindleko zemoto ngenxa yenzalo eyengeziwe. Kwezinye izimo, ukukhokhwa ngokweqile kungafinyelela 50% izindleko.

Izinyathelo ezi-5 zokuthi ungasithola kanjani isimalimboleko semoto esetshenzisiwe (esetshenzisiwe)

4.2. Ungasithola kanjani isikweletu semoto semoto esetshenzisiwe - umhlahlandlela wesinyathelo ngesinyathelo

Ukuthola imalimboleko yemoto esetshenzisiwe, ungaxhumana nomthengisi wezimoto noma ibhange. Imvamisa, izimo ezihamba phambili zingatholakala ebhange elisebenzisa ikhadi lomholo.

Ukuze inqubo yokubhalisa ihambe ngokushesha nangokungenabuhlungu ngangokunokwenzeka, kufanele ufunde ngokucophelela okulandelayo imiyalo yesinyathelo ngesinyathelo.

Isinyathelo 1. Ukuthola ibhange ngohlelo olufanele lwemalimboleko

Emakethe yesimanje yezezimali, kunenombolo enkulu yezinhlelo zokubolekwa kwezimoto. Ukuze uthole inketho engcono kakhulu, udinga ukubekezela. Ngokuchitha isikhathi esanele kuphela uqhathanisa izinhlelo ezahlukahlukene lapho ungaqiniseka khona ukuthi ukukhetha kuzoba okulungile.

Lapho ukhetha isikhungo sezikweletu, kubalulekile ukunaka lezi zici ezilandelayo:

1. imigomo yezinhlelo (kufaka phakathi inani lamanani wenzalo);
2. isikhathi eside kangakanani ibhange lisemakethe (ngokufanele, kufanele ukhethe lezo zinkampani ezineminyaka yobudala okungenani 10 iminyaka);
3. ukuthi ama-ejensi wokulinganisa azimele ahlolisisa kanjani inhlangano yezikweletu;
4. zithini izibuyekezo zalabo asebevele basebenzise izinhlelo zokubolekisa;
5. ukusondela kwendawo kwamahhovisi ebhange.

Ungonga isikhathi esiningi ekukhetheni ibhange elihle kakhulu izinsizakalo ze-intanethi ezikhethekile... Kuzoba wusizo ukutadisha ukukhushulwa okukhethekile, ezigcinwa ngezikhathi ezithile ngamabhange nezindawo ezithengisa izimoto. Ungakhohlwaukuthi umehluko phakathi kwezinhlelo, noma ngamaphesenti ambalwa, ungonga amanani abalulekile.

Isinyathelo 2. Ukubhaliswa kwesicelo

Umboleki ngamunye angakhetha ukuthi angaxhumana yini negatsha lasebhange noma afake isicelo nge-Intanethi. Kulokhu kokugcina, kuzokwazi ukonga isikhathi esiningi, ngoba akudingeki ukuthi uye ndawo, ulinde kulayini bese uzivumelanisa nohlelo lomsebenzi lwamagatsha.

Ukufaka isicelo semalimboleko yemoto esetshenzisiwe, uzodinga iphakethe elijwayelekile lemibhalo:

1. ipasipoti;
2. idokhumenti yesibili (imvamisa ilayisensi yokushayela);
3. ikhophi yencwadi yomsebenzi;
4. amadokhumende aqinisekisa imali engenayo.

Ngemuva kokugcwalisa uhlu lwemibuzo, luthunyelwa kochwepheshe baleli bhange. Bayihlola kusuka emahoreni amaningana kuya ezinsukwini ezimbalwa. Ngalesi sikhathi, imininingwane enikeziwe iyahlolwa, ukuhambisana komboleki nezidingo zebhange, ukungabikho kwezinkinga ngokukhokhwa kwemali mboleko esikhathini esedlule.

Ekupheleni kokuhlolwa, kwenziwa isinqumo sokuqala. Impendulo yokugcina izonikezwa kuphela ngemuva kokuvakashela ihhovisi lebhange ngumboleki, lapho ezothumela khona okwangempela kwemibhalo edingekayo.

Ukugwema izinkinga, uhlelo lokusebenza kufanele luqukethe imininingwane ethembeke kakhulu. Uma uchwepheshe ethola ukungafani kwedatha, cishe uzonqatshwa imali mboleko.

Uma ibhange lithatha isinqumo esihle, obolekayo uzonikezwa isikhathi sokuthola imoto efanelekile. Imvamisa le nkathi kusuka 1 ngaphambi 3 izinyanga.

Isinyathelo 3. Isiphetho senkontileka yokuthengisa

Manje udinga ukuya kumthengisi wezimoto ukuyophetha inkontileka yokuthengisa... Uma uhlela ukuthenga ngokuthengisa izimoto, inqubo yenziwa lula kakhulu, ngoba iningi labo linobudlelwano nebhange.

Kulesi sigaba, kuzofanele futhi ukhiphe Inqubomgomo yomshwalense we-CASCO, okuholela ngokwemvelo ekukhuphukeni kwezindleko zemoto. Kodwa-ke, uma kwenzeka kuba nezinkinga (ingozi noma ukweba), izinkokhelo zomshuwalense zizohlawula isikweletu.

Imvamisa, obolekayo unikezwa izinketho ezimbili zokuthenga inqubomgomo ye-CASCO:

• ukhokhe ngokheshi;
• faka inani lemalimboleko.

Isinyathelo 4. Ukukhokhwa kwemali yokuqala

Ngokwesiko, imali ukuze ukhokhe isitolimende sokuqala ifakwa kwi-akhawunti yasebhange, okuyidlulisele kumthengisi kamuva. Ngokwesilinganiso, lokhu kuzodinga cishe 20% izindleko zemoto ethengiwe.

Kufanele kukhunjulwe ukuthi lapho kukhokhwa imali enkulu, lapho ibhange lizoba qotho ngokwengeziwe kulowo obolekayo. Kwezinye izikhungo zezikweletu, lapho inani elifakwe ekuqaleni landa, izinga liyancipha.

Isinyathelo 5. Ukusayina isivumelwano semalimboleko

Isinyathelo esibaluleke kakhulu ekutholeni imali mboleko yemoto yokuthenga imoto esetshenzisiwe ukusayina isivumelwano nebhange.

Lapho ufunda isivumelwano semalimboleko, kufanele unake la maphuzu alandelayo:

1. Inani lokubheja kwangempela. Akufanele kwehluke kulokho okushiwo ngokwemigomo yohlelo;
2. Inketho yokukhokha ngaphambi kwesikhathi kanye nemikhawulo esebenzayo;
3. Ukutholakala kwamakhomishini ahlukahlukene nezinkokhelo ezingeziwe;
4. Izindlela zokwenza izinkokhelo zanyanga zonke.

Lapho kusayinwa isivumelwano semalimboleko, ibhange lizodlulisela izimali kumthengisi likhokhele imoto. Ukuze abe ngumnikazi wayo, umboleki kuzofanele abhalise imoto emaphoyiseni omgwaqo.

4.3. Yimaphi amabhange anikeza imali mboleko yezimoto ezisetshenzisiwe - ukubuka konke kwamabhange we-TOP-3 anezimo ezinhle kakhulu

Akuwona wonke amabhange anikela ukuhlela imalimboleko yemoto yokuthengwa kwemoto esetshenzisiwe. Noma kunjalo, izinhlelo ezinjalo zingatholakala uma ufisa.

Uma zingakufaneli nganoma iyiphi indlela, futhi uhlela ukuthenga imoto engabizi kakhulu, faka isicelo semalimboleko yabathengi noma ikhadi. Lokhu okulandelayo TOP-3 amabhangeukunikela ngezimo ezihamba phambili.

1) I-VTB Bank yaseMoscow

Kukhona ithuba lokuthola kusuka 100 000 ngaphambi 3 000 000 ama-ruble... Ukubheja kuyaqala kusuka ku-12.9% minyaka yonke. Ngokuqinisekile uzodinga ukukhipha i-CASCO bese ukhokha inkokhelo yokuqala kusuka ku- 20% wenani lemoto.

Kuyadingeka ukukhokha isikweletu ngokugcwele ngesikhathi kusuka 1 eminyakeni edlule 5 iminyaka... Obolekayo akadingi ukufakazela imali engenayo.

2) Ibhange Lezokuxhumana

Leli bhange lithembisa ukukhipha imalimboleko yemoto esetshenzisiwe. Inani eliphakeme ngu- 1 500 000 ama-ruble... Izinga lenzalo lisethwe ku- 16,9% minyaka yonke. Isikweletu kuzofanele sikhokhwe ngesikhathi ngaphambi 10 iminyaka... Kulokhu, inkokhelo yokuqala kufanele okungenani ibe 20%.

Obolekayo uyadingeka okungenani okungenani 4 izinyanga. Iminyaka yeklayenti kufanele ibe sebangeni 21-65 iminyaka... Azikho izitifiketi zokuthola imali ezidingekayo.

3) Ibhange Leposi

Akudingekile ukuthola imali ebolekisiwe ukuze uthenge imoto esetshenzisiwe. Iyatholakala ikhadi lesikweletu... IPost Bank yalo mkhiqizo ibeka umkhawulo omkhulu ngaphakathi 500 000 ama-ruble.

Uma ukwazi ukukhokha ngokushesha isikweletu (ngaphakathi 4 izinyanga), inzalo ngeke ikhokhiswe. Ngaphandle kwalokho, isilinganiso sisethwe ezingeni 27,9% minyaka yonke. Ungafaka isicelo online. Umphumela wokuqala uzokwaziwa ngomzuzu.

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Ukuhlaziya nokuqhathanisa okulula kakhudlwana, imingcele eyinhloko yemalimboleko ebhekwayo yethulwe etafuleni.

Itafula lamabhange anezimo ezinhle kakhulu zemalimboleko yokuthengwa kwezimoto ezisetshenzisiwe:

Obolekayo	Inani eliphakeme lemalimboleko	Linganisa	Izici zokubolekisa
I-VTB Bank yaseMoscow	3 million ruble	12.9% ngonyaka	Ukukhokha okuphansi kusuka ku-20%
Ibhange Lezokuxhumana	Ama-ruble ayizigidi eziyi-1.5	16.9% ngonyaka	Ngaphandle kwezitifiketi zemali engenayo
Ibhange Leposi	Ama-ruble ayizinkulungwane ezingama-500	Izinyanga ezi-4 isikhathi esingenanzalo, bese kuba ngu-27.9% ngonyaka	Isinqumo ngesicelo online senziwa ngomzuzu

5. Imalimboleko yemoto ngaphandle kweCASCO - ungayithola kanjani futhi kuphi imoto ngesikweletu ngaphandle komshwalense 📝

Imvamisa, lapho ufaka isicelo semalimboleko yemoto, izinhlangano zebhange zidinga ababoleki ukuthi bathenge inqubomgomo yomshwalense weCASCO. Izindleko ezinjalo zengeza kakhulu ekukhokheni ngokweqile.

Kungokwemvelo ukuthi umbuzo uvame ukuvela, ngabe kunengqondo ukuthola imali mboleko yokuthengwa kwemoto ngaphandle kwesibopho sokuthatha umshwalense.

5.1. Yiziphi izimo zokuthola imali mboleko yemoto ngaphandle komshwalense weCASCO - incazelo yezimo ezi-4 eziphambili

Ebhange, ukuntuleka komshuwalense we-CASCO lapho ukhipha imali yemalimboleko yemoto kusho ingozi eyengeziwe. Ukunciphisa amathuba okuba nezinkinga, izikhungo ezibolekisa ngemali zifuna ukwenza imibandela yokukhipha imali mboleko ibe nzima kakhulu. Kulokhu, kugcizelelwa kakhulu 4 izimo eziyisisekelo.

Isimo 1. Ukukhokha okunyukile

Ukwanda ngosayizi wesitolimende sokuqala kusiza izikhungo zezikweletu ukunciphisa izingozi. Kwesinye isikhathi iyaqhutshwa kuze kufike ku-50% izindleko zemoto.

Uhlangothi olulodwa inani elincane lemalimboleko liholela ekwehliseni okukhulu ekukhokheni ngokweqile. Ngomunye - akubona bonke ababoleki abanokonga okwanele.

Isimo 2. Isikhathi esincane semalimboleko

Ubungozi bamabhange buyanda ngokukhula kwesikhathi semalimboleko. Lokhu kungenxa yokwanda kwamathuba esikhathi eside okuntshontshwa, izingozi nezinye izingozi ngemoto.

Kungakho, ukuze abe nokuzethemba okukhulu ekubuyiseni imali ekhishwe ngesikweletu, amabhange anciphisa isikhathi sezivumelwano zemalimboleko yezimoto. ubuncane... Imvamisa isikweletu esiphezulu kufanele sikhokhwe ngamunye 36 izinyanga (ngenkathi uthatha umshwalense, ungakhuphukela ezinyangeni ezingama-60 - 84).

Isimo 3. Ukwenyuka kwezinga lenzalo

Uma ingekho inqubomgomo ye-CASCO, ingozi yokulahlekelwa yimoto ngaphandle kokuyibuyisa inyuka kakhulu. Kuvele ukuthi kulokhu imoto ayisona isibambiso esithembekile. Ukuze livikele imali yalo, ibhange liyalinyusa kakhulu izinga lenzalo ↑.

Okubalulekile! Imvamisa umehluko phakathi kohlelo ngaphandle komshuwalense wesikebhe nalowo okudingeka inqubomgomo kuwo 5%.

Isimo 4. Inani lemalimboleko elincane

Amabhange amaningi anqena ukubeka engcupheni imali enkulu. Ngakho-ke, ubukhulu bemalimboleko yemoto ngaphandle kweCASCO imvamisa buphansi kakhulu.

Imvamisa, kuzothathwa ngezinhlelo ezinjalo ama-ruble angaphezu kwama-500,000... Kepha amanye amabhange asanikela ngokuthola Ama-ruble ayi-1 000 000ngaphandle kokuthatha umshwalense.

Njengesibonelo Cabanga ngokushintsha izimo zemalimboleko yemoto e-Alfa-Bank lapho kukhona umshwalense futhi wenqabe kuyo.

Ithebula lokwehluka kwamapharamitha wemalimboleko ngokuya ngokutholakala kwepholisi yomshuwalense:

№	Amapharamitha wemali mboleko	Ngenqubomgomo	Ngaphandle kwenqubomgomo
1	Inani eliphakeme	Ama-ruble ayizigidi ezi-5	4 million ruble
2	Ithemu	Izinyanga eziyi-12 - 72	Izinyanga eziyi-12 - 60
3	Linganisa	14-19% ngonyaka	22.99% ngonyaka

Ngaphandle kwemibandela eqinile yemalimboleko yokuthengwa kwemoto ngaphandle kweCASCO, ziyathandwa.

Kepha kufanele kukhunjulwe ukuthi akunakwenzeka ukuthi kuzokwenzeka ukuthi kutholakale imalimboleko enjalo ngaphandle kokuqinisekisa indawo yomsebenzi neholo. Uzodinga ukuthola izitifiketi ezifanele kumqashi.

Izinyathelo ezi-5 ezilula zokuthola imalimboleko yemoto ngaphandle komshwalense weCASCO

5.2. Ungayithatha kanjani imalimboleko yemoto ngaphandle komshuwalense wesikebhe ngezinyathelo ezi-5 ezilula - imiyalelo eningiliziwe

Ngaphambi kokuqhubeka nemalimboleko, kufanele uthathe isinqumo ngemoto oyifunayo. Lokhu kuyadingeka ukuze obolekayo wesikhathi esizayo aqonde ukuthi uzodinga imali engakanani.

Ngaphezu kwalokho, uma ufuna ukuthenga imoto egumbini lokubonisa, kufanele ucacise ukuthi yimaphi amabhange abambisana nawo. Ngemuva kwalokho, ungaqhubeka nenqubo yokubhalisa, efaka Izinyathelo ezi-5.

Isinyathelo 1. Ukukhetha umbolekisi bese ufaka isicelo

Okokuqala, udinga ukwenza uhlu lwamabhange avumayo ukukhipha imalimboleko yemoto ngaphandle kokukhipha inqubomgomo yeCASCO. Zimbalwa izikhungo ezinjalo zezikweletu.

Kuyafaneleka ukucatshangelwa! Ukuze wonge isikhathi futhi ungafundi amawebhusayithi wawo wonke amabhange aziwayo, kungcono ukusebenzisa izinsizakalo zokuqhathanisa online. Izinsizakusebenza ezinjalo zikuvumela ukuthi ubhale uhlu lwabakweletisi abanamapharamitha adingekayo edolobheni ahlala kulo obolekayo.

Lapho kukhethwe ibhange, ungaqala ukufaka isicelo. Akudingekile ukuya ehhovisi lesikhungo sezikweletu ngalokhu. Ungenza futhi ufake isicelo semalimboleko yemoto online... Ngaphezu kwalokho, kufanele ngasikhathi sinye uthumele uhlu lwemibuzo ezikhungweni eziningana zezikweletu. Lokhu kuzonga isikhathi, futhi kukhulise nethuba lesinqumo esihle, ngoba impela okungenani ibhange elilodwa lizovuma ukukhipha imali mboleko.

Lapho ufaka isicelo online, khumbula ukuthi ukuvunyelwa kungokwokuqala. Ngemuva kokuyithola, kuzofanele uvakashele ihhovisi lasebhange nge iphasela lemibhalo edingekayolapho zizophinde zihlolwe khona. Kungaleso sikhathi kuphela lapho isivumelwano sizosayinwa bese isikhungo sezikweletu sizokhipha imali.

Ukuze ungaphoxeki kubalulekile lapho ufaka isicelo, faka imininingwane ethembeke kakhulu futhi ephelele kuhlu lwemibuzo. Uma umfakisicelo ekhohlwa ukukhombisa noma ukuzama ukufihla noma iyiphi idatha, ngenxa yalokho, uzokwenqatshwa imali mboleko. Incazelo ilula - ongoti baleli bhange bazonquma ukuthi umfakisicelo unjalo umkhwabanisi.

Ngaphambi kokufaka isicelo, kufanele uzijwayeze izidingo zebhange kulowo obolekayo. Isikhungo ngasinye sezikweletu sinezaso, kepha kunezici eziningana ezijwayelekile umfakisicelo okufanele ahlangane nazo.

Izidingo eziyinhloko zamabhange kumboleki:

• Ubuzwe baseRussia;
• yobudala hhayi ngaphansi 21 iminyaka ingasekho 65 iminyaka;
• ukubhaliswa unomphela;
• indawo esemthethweni yokusebenza;
• imali eqinisekisiwe hhayi ngaphansi 30 000 ama-ruble;
• alikho irekhodi lobugebengu.

Isinyathelo 2. Ukulungiswa kwephakeji lemibhalo

Lapho ukutholwa kokuqala kwi-Intanethi kutholakala, kuzofanele uvakashele ihhovisi lesikhungo sezikweletu nephakeji lemibhalo.

Ngokwesiko, amabhange adinga imibhalo elandelayo:

1. ipasipoti;
2. incwadi yesibili;
3. ikhophi yencwadi yomsebenzi;
4. isitifiketi somholo.

Amanye amabhange angaba nezidingo zawo zedokhumentari. Ngaphezu kwalokho, ezimweni lapho ibhange libheka ukuthi ukuxazululwa komfakisicelo akwanele ukukhokha imali mboleko, ukuphepha okungeziwe kungadingeka - isibambiso noma izibambiso.

Isinyathelo 3. Ukubhaliswa kokuthengiselana nokuthengwa kwemoto

Lapho ibhange lenza isinqumo esihle, ungaqhubekela esiphethweni isivumelwano sokuthengwa kwemishini... Indlela elula yokwenza lokhu uma imoto ithengwa egumbini lokubonisa. Kulokhu, ukwenziwa kwesivumelwano sokuthenga nokuthengisa kanye nesivumelwano semalimboleko kwenzeka ngasikhathi sinye.

Yonke imibhalo isayiniwe lapho kuthengiswa khona izimoto, lapho kufakwa khona indawo yokusebenza yommeleli webhange, noma uchwepheshe webhange efika esalon ngesikhathi esimisiwe sokuthengiselana.

Isinyathelo 4. Ukusayina isivumelwano semalimboleko nokukhokha imali ekhokhwayo

Sekuvele kushiwo kaningana, kepha kuzoba wusizo ukuphinda - ngaphambi kokusayina isivumelwano semalimboleko, kufanele usifunde ngokucophelela... Yilesi sivumelwano esiyingxenye ebaluleke kakhulu yokuthengiselana kwemali mboleko.

Lapho ufunda isivumelwano semalimboleko, kufanele unake kakhulu la maphuzu alandelayo:

• Izindlela zokukhokha imali mboleko. Okufanelekile, kufanele kube nezinketho eziningi ongakhetha kuzo. Kuhle lapho ukukhokha kungenziwa nge-Intanethi.
• Usayizi wokubheja wangempela. Amabhange athembekile akhombisa ngophawu olukhulu ekhasini lesihloko lesivumelwano.
• Amalungelo okuboleka njengomnikazi wemoto - ungasetshenziswa kanjani umshini (isib, noma ingasetshenziswa njengetekisi).
• Ukutholakala kanye nenani lezinkokhelo ezahlukahlukene ezengeziwe - amakhomishini.
• Ukukhokha kusenesikhathi - Ngabe kukhona ukumiswa okwesikhashana, okwenziwa ngaphansi kwesimo sini ukukhokhwa okuncane nokugcwele ngokugcwele.

Isinyathelo esilandelayo ngemuva kokusayina isivumelwano semalimboleko ukukhokhwa kwemali ekhokhwayo.

Kunezindlela ezi-2 zokukhokha isitolimende sokuqala:

1. Ukudluliswa kwezimali ngokheshi kumthengisi (kulokhu, kuzodingeka ukhiphe irisidi);
2. Ukufaka imali ebhange, okuzodlulisela ngokuzimela kumnikazi wemoto.

Isinyathelo 5. Ukubhaliswa kwezimoto

Isinyathelo sokugcina ekuthengisaneni ukubhaliswa kwemoto. Ukubhalisa imoto emaphoyiseni omgwaqo, umthengi uyanikezwa Izinsuku eziyi-10 kusukela ngosuku lokuthenga. Lokhu kungenziwa kunoma yimuphi umnyango ngaphandle kokubheka indawo yokubhalisa noma yokuhlala.

Umnikazi omusha wemoto kuzodingeka akhokhe imali kahulumeni, okwamanje imibhalo wemoto, kufaka phakathi inqubomgomo yomshwalense we-OSAGO.

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Ngakho-ke, imiyalo enikezwe ngesinyathelo ngesinyathelo ikusiza ukuthi uthole imali mboleko yemoto ngaphandle kweCASCO ngokushesha futhi ngaphandle kwezinkinga. Kuzohlala kuphela ukukhokha ngesikhathi esifanele futhi ngokugcwele.

5.3. Kukuphi okungcono ukuthatha imali mboleko yemoto ngaphandle komshwalense weCASCO - isilinganiso samabhange we-TOP-3

Njengemali mboleko yokuthengwa kwemoto ngaphandle kwenqubomgomo yeCASCO, hhayi kuphela imali mboleko yemoto engasetshenziswa, kepha futhi umthengi, futhi amakhadi esikweletu... Izinketho ezimbili zokugcina zinhle ngokuthenga imoto engabizi kakhulu noma lapho kushoda inani elingadluli 300 000 ama-ruble.

Ngezansi kwe- ukubuka konke 3 izikhungo zezikweletu, lapho imali ingatholwa khona ngokushesha okukhulu.

1) I-VTB Bank yaseMoscow

Leli bhange lingenye yezinkampani ezihola phambili ezisebenza ezimakethe zezimali zaseRussia. Banikela ukuhlela imalimboleko yabathengi kulelo nani kufika kuma-ruble ayizi-3 000 000... Ukukhula okuphezulu kungukuthi 60 izinyanga... Izinga lenzalo yemalimboleko liqala kusuka 14.9% minyaka yonke.

I-VTB Bank yaseMoscow ikuvumela ukuthi ufake isicelo ngaphandle kokuvakashela ihhovisi. Kwanele ukuvula iwebhusayithi yenhlangano futhi kungakapheli ikota yehora ngemuva kokugcwalisa uhlu lwemibuzo, umphumela wokucatshangelwa uzotholwa.

Kuyasiza ukuxhumana ne-VTB Bank yaseMoscow abasebenzi bakahulumeni, futhi amaklayenti okuholela... Lezi zigaba zezakhamizi zingafaka isicelo semalimboleko lapha ngemigomo evumayo.

Uma kuvela isimo lapho kuba nzima ukukhokha, ibhange linikeza amakhasimende ngalo amaholidi esikweletu.

2) Ibhange iTinkoff

Lapha kulula ukuthola ikhadi lesikweletu elinomkhawulo kufika kuma-ruble angama-300,000... Kulokhu, ukugcwalisa uhlelo kuthatha angiphinde 5 imizuzu, futhi isinqumo sebhange kuzodingeka silinde imizuzu embalwa. Awudingi ukuya noma kuphi ukuthola ikhadi, lizolethwa ekhelini eliboniswe ngumboleki - ekhaya noma ehhovisi.

Uma kwenzeka ukhokha isikweletu ngesikhathi sokuqala 55 izinsuku ayikho inzalo ezokhokhiswa ngemuva kokuhoxa. Uma kungenakwenzeka ukubuyisa imali ngesikhathi, isilinganiso sibekwa ezingeni 19,9% minyaka yonke. Izindleko zensizakalo yekhadi lesikweletu 590 ama-ruble minyaka yonke.

ITinkoff Bank ayinamahhovisi noma amagatsha. Impela yonke imisebenzi yenziwa kude - nge-Intanethi noma ngocingo. Ukuthengiselana nge-akhawunti kungenziwa izinsuku eziyisikhombisa ngesonto ngesikhathi esikahle.

3) I-Sovcombank

Lapha ungathola ngesikweletu kufika kuma-ruble ayi-1 000 000... Kulokhu, iphesenti lisethwe ezingeni 17% minyaka yonke. ISovcombank isungule uhlelo olwehlukile - imali mboleko yemoto entsha evikelwe endala.

Kulokhu, izimfuneko ezilandelayo zibekwa maqondana nesibambiso:

• ukusebenziseka kobuchwepheshe;
• ungathengi ngemalimboleko yemoto noma ekukhokheni kwayo ngokuphelele;
• imoto akufanele ithembiswe;
• ubudala hhayi ngaphezulu 19 iminyaka.

Izakhamizi zingafaka isicelo semalimboleko hhayi omncane 21 konyaka... Kubalulekile ukuthi uthole umsebenzi osemthethweni. Uma ibhange lingabaza ukuxazululwa kwalowo obolekiwe, kuzodingeka futhi lithole abaqinisekisi.

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Ukwenza kube lula ukuqhathanisa izikhungo zezikweletu, imininingwane eyisisekelo ngazo yethulwe etafuleni.

Ithebula lamabhange angu-TOP-3 anezimo zawo kanye nezici zokukhipha imali mboleko yokuthengwa kwemoto:

Inhlangano yezikweletu	Inani eliphakeme lemalimboleko	Izinga lenzalo	Izici ezizuzisayo
I-VTB Bank yaseMoscow	3 million ruble	14.9% ngonyaka	Izinzuzo zezikhulu zikahulumeni kanye namakhasimende ezinkampani athuthukisiwe
Ibhange iTinkoff	Ama-ruble ayizinkulungwane ezingama-300	Ekhadini ezinsukwini ezingama-55 - 0% Uma isikweletu singabuyiswa ngesikhathi esingenanzalo - 19.9% ​​ngonyaka	Akunasidingo sokuya noma yikuphi, ikhadi lesikweletu lilethwa ehhovisi noma ekhaya
Sovcombank	1 ruble ayisigidi	17% ngonyaka	Amandla okuthenga imoto entsha ekuvikelekeni kwendala

6. Imalimboleko yemoto ngaphandle kwezitifiketi kanye nabaqinisekisi - ungayithola kanjani futhi kuphi imali mboleko yemoto usebenzisa imibhalo emi-2 (emibili) 📋

Kungaba nezizathu eziningi zokuthi kungani obolekayo engakwazi ukuqoqa inani elikhulu lezitifiketi zokufaka isicelo semalimboleko yemoto. Kungakho ukubolekwa kwemali yokuthengwa kwemoto enamaphepha amancane kuhlala kufanelekile. Kubalulekile ukwazi ukuthi yimaphi ama-nuances wokufaka isicelo semalimboleko enjalo yemoto.

6.1. Kungenzeka yini ukuthola imali mboleko yemoto ngaphandle kwesitifiketi semali engenayo kanye nama-guarantors?

Amabhange izinhlangano ezingathandi ukufaka imali engcupheni. Kungakho, lapho befaka isicelo semalimboleko, balwela ukuthola inani eliphakeme kakhulu leziqinisekiso zokubuyiselwa imali. Iklayenti kuzodingeka linikeze ngemibhalo emikhulu impela ezoqinisekisa ukuxazululwa kwakhe.

kodwa isimo semakethe yezimali yanamuhla eRussia senza ukulungisa okuthile. Namuhla, kunenqwaba yezikhungo zezikweletu ezisebenzayo, okuholela emncintiswaneni omkhulu. Kuhlanganiswe nokwehla kwesidingo sokubolekwa kwemali, ukulwa nabancintisana nakho kuholela ekuthambekeni kwezimo zezikweletu.

Isimo esikhona manje sesiholele ekuqhamukeni kwezinhlelo zesikweletu ezikuvumela ukuthi uthole imali mboleko yemoto nje 2 imibhalo. Amabhange ngokuvamile adinga ukuthi uthumele ipasipoti futhi ilayisense yomshayeli... Kwezinye izimo, idokhumenti yokugcina ithathelwa indawo ipasipoti yakwamanye amazwe, isitifiketi se-SNILS, i-ID yezempi neminye imibhalo.

Le ndlela yokuthola imali mboleko yemoto ilungele labo abangakwazi ukukhombisa umholo wabo. Ngokwemvelo, ukukhipha imali ngaphandle kwezitifiketi ezivela emsebenzini, ibhange lithatha izingozi ezinkulu.

Ukunciphisa amathuba okulahleka, izikhungo ezikweletwa imali zisebenzisa lezi zinyathelo ezilandelayo:

1. Ukukhula kokukhokha okuphansi - imvamisa kuyadingeka ukuthi ufake imali ngokwezinhlelo ezingenazo izitifiketi 50% izindleko zemoto;
2. Ukunciphisa isikhathi esiphezulu semalimboleko. Imalimboleko enjalo kuzofanele ingakhokhelwa ngaphezu kwalokho ngamunye 3 iminyaka... Ngaphezu kwalokho, isikhathi esiphezulu sivame ukufinyezwa ngaphambi 1-2 iminyaka;
3. Izinga lenzalo lenyukile - imvamisa umehluko phakathi kwemali mboleko yemoto enezitifiketi noma ngaphandle kwayo umayelana nayo 5%;
4. Inani lemali mboleko elingaphansi - ibhange ngalinye libeka umkhawulo walo, kepha kwimalimboleko yezimoto ngaphandle kwezitifiketi akuvamile ukudlula 500 000 ama-ruble;
5. Ukubhaliswa okuyimpoqo kwenqubomgomo ye-CASCO - uma kwenzeka izingozi noma ukulahleka okuphelele kwemoto, isinxephezelo somshuwalense siqondiswa ekubuyiselweni okugcwele noma okuyingxenye yesikweletu.

Mayelana nefomu elenziwe lula lokubhalisa, kubizwa imali mboleko yokuthengwa kwemoto engenazo izitifiketi ukuveza izimalimboleko... Lokhu kunikezwa kungasetshenziswa ngu kuphela lezo zakhamizi ezingakaze zibe nezinkinga ngokukhokha imali mboleko. Ngamanye amagama, ukuze uthole isinqumo esifanele, kubalulekile ukuthi ube nomlando ohlanzekile wesikweletu.

Kubalulekile ukucabangela! Imvamisa, imali mboleko yezimoto ngaphandle kwezitifiketi ikhishwa ukuthengwa kwezimoto kubathengisi bezimoto. Ukukhethwa okuncane kwabathengisi kuholela ekutheni obolekiwe avumelane nentengo yomthengisi.

Ibhange ngalinye, elenza imibandela yemalimboleko yezimoto ngaphandle kwezitifiketi, liphinde lenze izidingo zababolekayo. Kunezici eziningana ezijwayelekile ezicatshangelwa yibo bonke ababolekisi.

Izidingo eziyisisekelo zomboleki ngamabhange:

• iminyaka yobudala yomuntu obolekayo ongaba khona ibanga kusuka ku- 21 ngaphambi 65 iminyaka;
• ukubhaliswa unomphela esifundeni sokuba khona kwebhange;
• Ubuzwe baseRussia;
• ukuntuleka kwemali mboleko esebenzayo kunoma yiziphi izikhungo zezikweletu

Ububi obukhulu bemalimboleko yemoto ngaphandle kwezitifiketi yilokhu:

1. ukwanda kokukhokha ngokweqile;
2. ukuncishiswa kwesikhathi sokubuyiselwa kwemali mboleko;
3. inkokhelo enkulu kakhulu yenyanga.

Okuyinhloko inzuzo uhlelo lokubolekisa olubhekwayo lungabizwa isivinini sokubhalisa... Isinqumo ngokubolekwa kwezimoto ngaphandle kwezitifiketi senziwa emahoreni ambalwa.

Imvamisa, labo abafuna ukuthenga imoto abazi ukuthi bangafuna kuphi izinhlelo zemalimboleko ngaphandle kwemibuzo. Imvamisa, amasu anjalo atholakala ngqo lapho kuthengiswa khona izimoto. Abathengisi ukuze bandise izidingo banikeza amakhasimende izinhlelo ezithakazelisa kakhulu.

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Ake sicabangele umehluko phakathi kwemalimboleko yemoto enezitifiketi nangaphandle kwazo usebenzisa isibonelo semalimboleko yokuthenga izindleko zemoto yakwaSuzuki 1,5 ama-ruble ayizigidi ku-VTB Bank. Ukucacelwa, izici zemalimboleko ziboniswa etafuleni.

Ithebula lokwehluka phakathi kwemibandela yemalimboleko yemoto ngaphandle kwezitifiketi:

№	Isici	Imalimboleko yemoto enezitifiketi	Imali mboleko engenazo izitifiketi
1	Linganisa	16% ngonyaka	19% ngonyaka
2	Isikhathi esiphezulu semalimboleko	Iminyaka emi-5	3 iminyaka
3	Inkokhelo encane ephansi	20%	40%

Izinyathelo ezi-6 zokuthi ungasithola kanjani isikweletu semoto ngaphandle kwesitifiketi semali engenayo kanye nabaqinisekisi (amadokhumenti ama-2 kuphela)

6.2. Ungayithola kanjani imalimboleko yemoto usebenzisa imibhalo emibili - imiyalo yesinyathelo ngesinyathelo

Kunezindawo ezimbili lapho ungafaka khona isicelo semalimboleko yemoto - lapho kudayiswa khona izimotolapho uhlela ukuthenga khona imoto, noma ngqo ebhange... Esimweni sokuqala, kuzosayinwa isivumelwano semalimboleko nesikhungo esikweletwa, kepha inqubo yokuyithola izoba lula.

Okubalulekile! Lapho ukhetha ibhange, okokuqala, kufanele unake labo lapho kungenzeka umboleki anakho ikhadi lomholo... Imvamisa kulapha lapho ungafaka khona isicelo semalimboleko yemoto ngaphandle kokwethula izitifiketi ezahlukahlukene. Ngaphezu kwalokho, izimo lapha zivame ukwethembeka kakhulu, isibonelo, ibhange lingakwazi ukunciphisa ↓ isilinganiso senzalo.

Ezimweni lapho ukubhaliswa kwenziwa ngqo ngebhange, kuzongena kahle imiyalo yesinyathelo ngesinyathelookwethulwe ngezansi.

Isinyathelo 1. Sesha ibhange elinezimo ezifanele zokubolekwa kwemali

Okokuqala, kufanele uxhumane nebhange lapho lowo obolekayo wesikhathi esizayo athola khona inkokhelo. Uma kungekho noma imibandela ekuyo ingagculisi, ezinye izikhungo zezikweletu kufanele zihlaziywe.

Imvamisa, emzabalazweni wamakhasimende, amabhange amancane ezifunda athuthukisa izinhlelo ezinenzuzo enkulu kunalezo ezinkulu zikahulumeni, ezingabatholi ababoleki. Kodwa-ke, unquma ukukhipha ukubolekwa ebhange elincanekufanele uyicabangele ukulinganiselwa... Amathuba okuqothuka kwesikhungo esinjalo aphezulu kakhulu.

Ngasikhathi sinye, ukuwa kwebhange kufaka izikhathi eziningi ezingemnandi kubabolekisi. Uma kwenzeka kuqothuka, iklayenti kuzodingeka likhokhe isikweletu kwesinye isikhungo sezikweletu. Kulokhu, kungadingeka ukhethe izindlela ezilula zokubuyisa. Ngaphezu kwalokho, indawo enhle ingahle ibe sengozini. Futhi, umboleki angahle angaziswa ngazo zonke izimo zokuqoqwa kwezikweletu ngendlela entsha.

Kuvela ukuthi ukuthembeka kwebhange kubalulekile hhayi kuphela lapho ufaka idiphozi, kepha futhi uma ufuna ukuthatha imali mboleko yemoto.

Ukukhetha isikhungo esihle kakhulu sesikweletu, izindlela ezilandelayo kufanele zibhekwe:

• imigomo yokubolekisa;
• izinga lenzalo;
• ukuhlolwa kwama-ejensi wokulinganisa;
• isikhathi sokusebenza emakethe yezezimali;
• ukutholakala kwendawo;
• ubufakazi bamakhasimende asevele ethathe imalimboleko kuleli bhange.

Lapho ufaka isicelo semalimboleko yemoto usebenzisa imibhalo emibili, kubalulekile ukukhumbula lokho ukukhokha ngokweqile ngesikimu esinjalo, ↑ inyuka kakhulu.

Ubulula bokusesha nokuqhathanisa amabhange kuyanda uma usebenzisa izinsizakalo ze-intanethi ezikhethekile... Bayakuvumela ukuthi ukhethe isikhungo sesikweletu esinezimo ezinhle kakhulu ngemizuzwana.

Kuyasiza futhi ukugcina umkhondo wokukhushulwa okuhlukahlukene. Ngasikhathi sinye, kufanele zingabhekelwa nje kuphela emabhange, kepha nasezitolo zezimoto.

Isinyathelo 2. Ukulungiselela imibhalo edingekayo

Lapho ukhetha isikimu semalimboleko yemoto ngaphandle kwezitifiketi, konke kulula kakhulu ngephakeji lemibhalo. Uzodinga ukwethula kuphela ipasipoti futhi idokhumenti yesibiliubufakazi bokuthi ungubani.

Kodwa-ke, ukukhulisa ithuba lesinqumo esihle, ungangeza ubufakazi bokuthola imali emsebenzini wakho.

Isinyathelo 3. Ukuhambisa isicelo

Namuhla, akudingeki ukuthi uchithe isikhathi ngokuvakashela igatsha lasebhange, ukuxhumana nochwepheshe balo. Ungathumela isicelo semalimboleko yemoto usebenzisa athuthukiswe ngokukhethekile izinsiza ezikwi-Intanethi... Umphumela kuzodingeka ulinde kusuka emahoreni amaningana kuya ezinsukwini ezimbalwa.

Okubalulekile! Ukukhulisa ithuba lokuphendula kahle, kufanele ngasikhathi sinye uthumele izicelo kwinani eliphezulu lamabhange. Uma wenqaba enkampanini eyodwa, ngeke kudingeke uchithe isikhathi bese ulinda ukucatshangelwa kwenye. Uma kutholwa impendulo enhle emabhange amaningana, kuhlala kuphela ukuqhathanisa izinhlelo zemalimboleko kuzo bese ukhetha engcono kakhulu.

Lapho ufaka isicelo online, ungakhohlwa ukuthi isinqumo esitholwe kuso sizoba esokuqala. Okokugcina kuzokwamukelwa kuphela ngemuva kokuthi imibhalo yoqobo isihanjisiwe esikhungweni sesikweletu.

Isisebenzi sasebhange sizohlola imininingwane efakwe yilowo obolekayo ongaba khona kuhlelo. Ngakho-ke, kubalulekile ukugcwalisa ngokucophelela ngangokunokwenzeka, ugweme amaphutha emininingwaneni enikeziwe.

Isinyathelo 4. Isiphetho senkontileka yokuthengisa nomthengisi wezimoto

Ngemuva kokuthola impendulo enhle, obolekayo kufanele aye kumthengisi wemoto. Kulesi sinyathelo, kufanele uphethe inkontileka yokuthengisa.

Lapho ukuthengisa izimoto nebhange kungabalingani, inqubo yenziwe lula kakhulu. Isivumelwano semalimboleko sizosayinwa kanyekanye nesivumelwano sokuthenga nokuthengisa.

Konje, uma unemibuzo mayelana nenqubo yokufaka isicelo semalimboleko yemoto, ungaxhumana ngqo nomphathi lapho kudayiswa khona izimoto. Amadili anjalo ajwayelekile kubo, ngakho-ke cishe bazokwazi ukusiza.

Isinyathelo 5. Isiphetho sesivumelwano semalimboleko nokwenza isitolimende sokuqala

Lapho zonke izenzo ezingenhla seziqediwe, kuhlala kusayina isivumelwano semalimboleko nebhange. Kodwa-ke, ngaphambi kwalokho, kubalulekile ukufunda ngokucophelela isivumelwano esihlongozwayo sokuphothula. Le nqubo ayikubekezeleli ukushesha, ngakho-ke abaphathi bemalimboleko abanesibopho abasheshi iklayenti.

Ochwepheshe bezimali batusa ukuthi amaphuzu amaningi esivumelwano anakwe kakhulu:

1. Ukutholakala kwamakhomishini nezinkokhelo ezingeziwe - ukuthola imali mboleko, ukugcina i-akhawunti nabanye.
2. Ukubakhona kanye nemibandela yokukhokha kusenesikhathi ngokugcwele noma okuyingxenye. Abanye ababolekisi babeka ikhomishini noma ukumiswa okwesikhashana emicimbini enjalo.
3. Inani lenani lenzalo yangempela emabhange athembekile ngaso sonke isikhathi kukhonjiswa ngemibhalo emikhulu ekhasini lokuqala lesivumelwano.
4. Indlela yokwenza izinkokhelo zanyanga zonke. Iklayenti kufanele linikezwe izinketho eziningi zokukhokha. Ngokufanelekile, ungenza inkokhelo elandelayo ukude, isibusebenzisa i-Inthanethi.
5. Amalungelo obolekayo emotweni.Amanye amabhange awavumeli ukuthi izimoto ezithenjisiwe zisetshenziswe njengamatekisi noma ziqashiswe.

Iningi lezikhungo zezikweletu zidinga ababoleki ukuthi bathathe umshwalense we-CASCO. Kodwa-ke, abanye bakhawulela uhlu lwabashuwalense lapho ungakwenza khona lokhu.

Isinyathelo 6. Ukubhaliswa kwezimoto

Manje kufanele ubhalise imoto ethengiwe namaphoyisa omgwaqo. Kuyadingeka ukwenza lokhu ngesikhathi Izinsuku eziyi-10 kusukela ngosuku lokuthenga.

Kubalulekile ukukhumbulaukuthi ekubhaliseni uzodinga umshwalense we-OSAGO.

Ngemuva kokuhamba ngezinyathelo ezichazwe ngenhla, singacabanga ukuthi imoto ngeyomboleki. kodwa ngaphambi mzuzu lapho imalimboleko isibuyiswe ngokuphelele, izothembiswa yibhange.

Kubalulekile ukuthi wenze izinkokhelo zakho zanyanga zonke ngesikhathi futhi ngokugcwele ukuze ungalahlekelwa yimoto oyithengile.

6.3. Ngingasitholaphi isikweletu semoto ngaphandle kwezitifiketi - amabhange amahle kakhulu we-TOP-3

Labo abafuna ukuba ngabanikazi bezimoto, kodwa bengenayo imali eyanele yalokhu, kufanele bakhumbule ukuthi imali mboleko yemoto akuyona ukuphela kwendlela.

Uma imoto ethengiwe ingabizi kakhulu noma izindleko eziningi zitholakala, ungasebenzisa imalimboleko yabathengi noma ngekhadi lesikweletu... Ngezansi kunohlu lwezinhlangano okulula kuzo ukuboleka imali.

1) I-VTB Bank yaseMoscow

Lapha ungathola kufika kuma-ruble ayizi-3 000 000 ngaphansi 14,9% minyaka yonke... Abafakizicelo abathola inkokhelo ebhange okukhulunywa ngalo bazodinga ipasipoti kanye nesitifiketi se-SNILS kuphela.

Ungahambisa isicelo online futhi uthole impendulo evela ebhange ngekota yehora. Uma kunesidingo, obolekayo angathola inkokhelo ehlehlisiwe.

Insiza amaholidi esikweletu ikuvumela ukuthi ungafaki imali ye- 1-2 izinyanga. Ngasikhathi sinye, imali ekhishwa sekwedlule isikhathi ngeke ikhokhiswe.

2) Ibhange iTinkoff

Ukunikezwa okuhle kakhulu kwaleli bhange ngu ikhadi lesikweletu "Platinum"... Kwanele ukuhambisa isicelo kuwebhusayithi yenhlangano futhi ngemizuzu embalwa kuzothathwa isinqumo sokukhipha imalimboleko enanini kufika kuma-ruble angama-300,000.

Ngesikhathi 1-2 izinsuku ikhadi lesikweletu lizolethwa ngalo ekhaya lakho noma ehhovisi. Uma ukwazi ukubuyisa imali oyichithe ekuthengeni imoto ngesikhathi 55 izinsuku, inzalo ngeke ikhokhiswe.

3) I-Sovcombank

Lapha ungathola kufika kuma-ruble ayi-1 000 000 ngaphansi 17% minyaka yonke... Ukunikezwa okuyingqayizivele kuyimali mboleko yokuthenga imoto entsha evikelwe endala. Kulokhu, imoto enikezwe njengesibambiso akumele ibe indala 19 iminyaka. Kubalulekile futhi ukuthi imoto izwakale ngokweqiniso.

Ngaphezu kwezidingo ezijwayelekile zomboleki, ibhange kumele linikeze ngomakhalekhukhwini noma inombolo yocingo yasemsebenzini.

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Ukuze kube lula ukuqhathanisa, izici eziyinhloko zemalimboleko echazwe ngenhla zethulwe etafuleni.

Ithebula TOP-3 amabhange anezimo ezinhle kakhulu zokuboleka:

Obolekayo	Inani eliphakeme lemalimboleko	Linganisa	Izici zokubolekisa
I-VTB Bank yaseMoscow	3 million ruble	13.9% ngonyaka	Amagama akhethwa ngabasebenzi bakahulumeni kanye namakhasimende emholo
Ibhange iTinkoff	Ama-ruble ayizinkulungwane ezingama-300	Isikhathi esingenanzalo sezinsuku ezingama-55, bese kuba ngu-19.9% ​​ngonyaka	Ikhadi lesikweletu lilethwa ekhaya noma emsebenzini
Sovcombank	1 ruble ayisigidi	14.9% ngonyaka	Uhlelo olwehlukile - imalimboleko yokuthenga imoto evikelwe yilowo okhona

Ngingasithola kanjani futhi kuphi isikweletu semoto ngomlando wesikweletu esibi (CI)

7. Ngabe uzoboleka imali yemoto enomlando wesikweletu esibi? 📉

Namuhla, bambalwa abantu abanemali edingekayo yokuthenga imoto, ngakho-ke abaningi bacabanga ngokuthola imoto ngesikweletu. Kepha akulula ngaso sonke isikhathi, futhi kungaba yinkinga umlando wakho wesikweletu... Ukunemba kakhudlwana, lapho-ke isikweletu esibi... Noma kunjalo, lokhu kuyalungiswa. Lapho udinga ngempela imalimboleko yemoto, ungayithola, yize kungelula ngokuphelele.

Okokuqala udinga ukuthola ukuthi ngubani ophethe ukungabekwa phansi kwesilinganiso sakho sesikweletu. Uma ungakhokhi izinkokhelo eziyimpoqo, bekufanele ubhekane nensizakalo yokuqoqwa kwezikweletu nokunye, ngakho-ke isizathu sikuwe. Lokhu kusho ukuthi akusizi ngalutho ukubolekwa imali emabhange amakhulu aziwayo, ngoba ukwenqaba cishe kuqinisekisiwe.

Ungazama ukusesha amathini amancaneabangasebenzisi ukuhlolelwa isikweletu. Zimbalwa izinhlangano ezinjalo, kodwa zikhona.

Kukhona amabhange okuthi, yize kunolwazi olubi lomuntu obolekayo, aboleke imali, kodwa bakhokhela izingozi zabo inzalo ephezulu... Vele, akekho ofuna ukukhokha ngokweqile, kepha kwesinye isikhathi akukho lapho ungaya khona.

Uma ungabambezeleka ukuthenga imoto, ungazama ukuthuthukisa umlando wakho wesikweletu. Ukwenza lokhu, udinga ukuthenga izinto zasendlini ezingabizi kakhulu ngesikweletu bese ukhokha isikweletu ngesikhathi. Imvamisa,amabhange acubungula umlando wesikweletu eminyakeni emibili edlule.

Sibhale ngokuningiliziwe mayelana nokuthi ungaboleka kuphi futhi kanjani ngomlando omubi wesikweletu ngaphandle kwezitifiketi zemali engenayo nabaqinisekisi endatshaneni edlule - sincoma ukuthi uzijwayeze ngayo.

Yini okufanele uyiqaphele

Akufanele uxhumane nezinhlangano ezingabazisayo kanye nabashintshi abangaqinisekisiwe, ngoba konke lokhu kungaholela kukho imiphumela edabukisayo.

Kubhekiswa ku- mnyama ama-broker, umuntu ubeka engcupheni idumela lakhe - ngokwephula imibandela yesikweletu angahle akhokhelwe izinhlawulo. Uma icala lobugebengu liqaliswa ngokungahambisani nemibandela, lowo obolekayo angatholwa enecala lokukhwabanisa, ukuthola imali ngokungemthetho.

Akunasidingo sokuxhumana nabathengi abazikhangisa ngokwabo ngokushibhile emabhodini emiyalezo. Amasayithi "ochwepheshe" abanjelwe kuwo ukusingathwa mahhala futhi aqukethe amakhasi ambalwa enziwe ngokushesha.

Qaphela! Uma isiza singenayo ifoni yasendlini noma ikheli lendawo okulo ihhovisi, kepha kukhonjiswa kuphela i-imeyili yokuxhumana noma iselula, kungenzeka ukuthi umnikazi wesayithi akazwani nomthetho.

8. Yikuphi ibhange okuyimali mboleko yemoto enenzuzo enkulu (imalimboleko yemoto) - ukubuka konke kwamabhange TOP-5 📄💰

Kunezici ezimbalwa zezinhlelo zemalimboleko yemoto. Lapho ukhetha ibhange elihle kakhulu, kufanelekile ukuwaqhathanisa wonke. Le nqubo inzima kakhulu futhi yinde.

Ngakho-ke, kubabolekisi abaningi, kuzosebenza kangcono kakhulu ukuthatha izeluleko zochwepheshe. Ngezansi kunencazelo yamabhange ahlinzeka ngezinhlelo ezinhle kakhulu zemalimboleko yezimoto.

1) I-Sovcombank

Ku-Sovcombank ungathola kufika kuma-ruble ayi-1 000 000... Izinga lisethwe ku- 17% minyaka yonke. Kuzofanele ubuyise izimali iminyaka emi-5... Kuyilingo ukunikela ngemalimboleko yokuthenga imoto entsha evikelwe yilena ekhona.

Uma obolekayo entula inani elincane ukuthenga imoto, ungasebenzisa uhlelo lokubolekwa kwabathengi. Namuhla kunikezwa okukhethekile eSovcombank - 100 000 ruble ngaphansi 12% minyaka yonke.

2) I-VTB Bank yaseMoscow

Lapha kukhona ithuba lokuboleka inani kufika kuma-ruble ayizi-3 000 000... Kuzofanele babuyiselwe ngaphakathi 5 iminyaka. Kunezinhlelo eziningi ebhange, ukubheja kuzo kuqala kusuka 14.9%.

Kwabasebenzi bakahulumeni, kanye nakumakhasimende emiholo, i-VTB Bank yaseMoscow inikeza okuhlukile amagama akhethwayo... Akudingekile ukuvakashela igatsha lasebhange ukufaka isicelo. Kwanele ukugcwalisa ifomu elikhethekile nge-Intanethi futhi ngekota yehora uzothola isinqumo sebhange.

3) Ibhange iTinkoff

Lesi yisikhungo esihlukile sezikweletu. Isebenza ngokuphelele kwi-Intanethi. Banikela ngokukhipha ikhadi lesikweletu elinomkhawulo kufika kuma-ruble angama-300,000... Kwanele ukuchitha imizuzu embalwa ukugcwalisa uhlelo lokusebenza kuwebhusayithi bese ulinda eminye imizuzu embalwa ukuze kuthathwe isinqumo.

Uma umboleki ekwazi ukukhokha isikweletu ngesikhathi 55 izinsuku, ibhange ngeke likhokhe inzalo. Uma ungakwenzi lokhu, kuzokhokhiswa inzalo ngezinga 19,9% minyaka yonke.

Omunye umzuzu omuhle ubukhona ukubuyisa imali... Lapho ukhokha ngekhadi lasebhange, ingxenye yemali esetshenzisiwe izobuyiselwa ekhadini. Sesivele sikhulume ngokubuyiselwa kwemali - kuyini ngamagama alula kwenye yezincwadi zethu.

4) Isikweletu se-Renaissance

Ebhange elethuliwe kungenzeka uthole ikhadi lesikweletu, umkhawulo walo ofinyelela Ama-ruble angama-200,000... Izinga lalo mnikelo ngu 24,9% minyaka yonke. Kukhona isikhathi esingenayo inzalo salokhu kunikezwa. 55 izinsuku.

Ukufaka isicelo, vele uvakashele iwebhusayithi yebhange. Uma kunesinqumo esihle sebhange sokunikela ngezimali, kusalokhu kuvakashelwa ihhovisi ukuthola ikhadi.

Kukhona nezinye izinhlelo zesikweletu eziphawulekile ezakhiwe lapha. Ungathola imali mboleko yomthengi ngosayizi kufika kuma-ruble angama-700,000 ngaphansi 13,9%... Uma unesitifiketi sempesheni, umboleki uzonikezwa amagama akhethwayo.

5) I-Alfa Bank

Leli bhange linezinhlelo ezahlukahlukene zokubolekisa, ezivumela wonke umuntu ukuthi akhethe imali mboleko ehamba phambili. Ngemalimboleko yemoto, bathembisa ukuthola inani elikhulu kunawo wonke - Ama-ruble ayizi-5 600 000... Isikhathi sokuboleka ngu 12-72 izinyanga... Ungabuyisa imali mboleko ngokusebenzisa ama-ATM noma i-akhawunti ye-Intanethi.

Uma ingekho imali eyanele ukuthenga imoto, ungasebenzisa ikhadi lesikweletu noma imalimboleko yabathengi. Esimweni sokuqala, inani eliphakeme lingu- Ama-ruble angama-300,000... Isikhathi esingenayo inzalo sinikezwa -60 izinsuku.

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Ngokuqhathanisa okulula kakhudlwana, izici eziyinhloko zezinhlelo zesikweletu zihlanganisiwe etafuleni.

Itafula lezikhungo zezikweletu ezinezimo ezithandeka kakhulu zemalimboleko yemoto:

Obolekayo	Inani lemali mboleko	Linganisa,% ngonyaka	Ama-nuances wezinhlelo
Sovcombank	Kufika kuma-ruble ayi-1 000 000	12-17	Imalimboleko yemoto entsha evikelwe yile ekhona
I-VTB Bank yaseMoscow	Kuze kube ama-ruble ayi-3,000,000	14,9	Izipesheli ezikhethwa ngabasebenzi bakahulumeni, amaholide esikweletu kubo bonke ababolekayo
Ibhange iTinkoff	Kuze kube ama-ruble we-300,000	19,9	Asikho isidingo sokushiya ikhaya - isicelo senziwa nge-Intanethi, bese ikhadi lihanjiswa ekhaya noma emsebenzini
Isikweletu se-Renaissance	Kuze kube ngu-200,000 ruble	24,9	Ukukhishwa nokusetshenziswa kwekhadi kumahhala
I-Alfa Bank	Kufika kuma-ruble ayizi-5 600 000	23,9	Isikhathi somusa sekhadi - izinsuku ezingama-60

9. Yiliphi ibhange elingcono ukuthatha isikweletu semoto - izindlela ezi-5 eziyinhloko lapho ukhetha ibhange ✅

Ngemuva kokuthola imali mboleko yemoto, kuzofanele ikhokhwe iminyaka eminingana. Ngakho-ke, kubalulekile ukuthi ibhange okweletwayo lithembeke ngokwanele futhi lingabhidliki ngalesi sikhathi. Ukukhetha isikhungo esifanele sokubolekisa ngemali, kubalulekile ukunaka izindlela ezithile.

Umbandela 1. Ukukhokhiswa okuncane kakhulu

Kunengqondo ukuthi lapho befaka isicelo semalimboleko yemoto, ababoleki balwela ukwehliswa okuphezulu ekukhokheni ngokweqile. Akubandakanyi kuphela iphesentikepha futhi kwehlukile ikhomishini futhi izinkokhelo.

Ukukhokhwa ngokweqile kuboniswa nakanjani kunkontileka noma isijobelelo kuyo. Uma umboleki efuna ukubala le nkomba ngisho nangaphambi kokuxhumana nebhange, angasebenzisa wokubala wesikweletu.

Umbandela 2. Inani lenkokhelo yokuqala

Lapho ukhetha uhlelo lokubolekwa kwemoto, kufanele uvumelane ngezimo zalo nenani lezimali ezikhona:

• Uma kungekho mali oyongile, kuzofanele wenelise ngokunikezwa ngaphandle kwesidingo sokwenza umnikelo wokuqala.
• Uma unemali, kufanele ukhethe ukunikezwa ngenkokhelo yokuqala ephezulu. Lokhu kuzosiza ekwehliseni ukukhokhwa kwemali engu-reducing ngokwehlisa isilinganiso nosayizi wemalimboleko.

Umbandela 3. Ukutholakala kwezindlela zokubuyisa izikweletu

Lapho ufaka isicelo semalimboleko yemoto, kubalulekile ukukhumbula ukuthi kuzofanele uyikhokhe njalo ngenyanga.

Ngokwesibonelo, ungaboleka imali ngemibandela evumayo, kepha ihhovisi lebhange lizophazamisa, futhi ngeke kube khona ndlela yokukhokha imalimboleko ukude. Ngenxa yalokhu, kuzofanele usebenzise isikhathi nemali ekuhambeni uye egatsheni ukuze wenze imali nyangazonke.

Umbandela 4. Isibopho sokuthatha umshwalense

Lapho kuhlaziywa le mibandela, obolekayo kufanele acabange kahle. Ngakolunye uhlangothi, lapho ubhalisa inqubomgomo ye-CASCO ukukhokha ngokweqile inyuka kakhulu ↑. Ngakolunye uhlangothi, umshwalense uma kuba nezinkinga ngemoto (ingozi noma ukwebiwa) kuzoqondiswa ukubuyisa ingxenye yesikweletu.

Kodwa-ke, kulezi zinhlelo kukhona umehluko emazingeni enzalo, okufika kwesinye isikhathi 5% minyaka yonke. Ngakho-ke, kufanelekile ukubala ukuthi yini ezoba inzuzo kakhulu - ukunciphisa iphesenti lapho uphetha i-CASCO noma wenqaba umshwalense.

Umbandela 5. Ukubuyekezwa kwamabhange

Kunemigomo eminingi engonakalisa ukubambisana nebhange.

Phakathi kwezici ezimbi kakhulu zamabhange yilezi ezilandelayo:

• ukungakwazi ukusebenza kwabasebenzi;
• ulayini omkhulu;
• izinsongo uma kwenzeka kubambezeleka.

Ngokwemvelo, lapho uvakashela ibhange, akekho ozotshela obolekayo ngamaphutha abo. Ngakho-ke, kuzofanele ufune imininingwane enjalo engeyinhle ngokwakho. Ukuze wenze lokhu, kufanelekile ukutadisha ukubuyekezwa kwimithombo ethembekile ye-Intanethi, uxoxe nabangane nabantu obajwayele ngokuboleka ebhange elithile.

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Ngemuva kokufunda ngokucophelela le mibandela engenhla, noma ngubani obolekayo uzobhekana nomsebenzi oyinhloko wemalimboleko yezimoto - ukuthola okunikezwayo okunenzuzo.

Imibuzo ebuzwa njalo (i-FAQ) ngokubolekwa kwezimoto 💬

Isikhathi sokuphendula imibuzo evame ukuvela kulabo abanentshisekelo esihlokweni sencwadi yethu yanamuhla.

Umbuzo 1. Yini enenzuzo futhi engcono ukuyithatha - imalimboleko yemoto noma imalimboleko yabathengi yokuthenga imoto?

Imoto - into ebiza kakhulu, futhi umthengi akanazo njalo izimali zakhe zokuyithenga, ezimweni ezinjalo bavame ukuxhumana nebhange, futhi obolekayo udinga ukukhetha phakathi kwemali mboleko yomthengi nemalimboleko yemoto

Izinzuzo (+) zokubolekwa kwezimoto

Imalimboleko yemoto ithi okubhekiswe kukho imalimboleko eyenzelwe ukuthenga umkhiqizo othile, okungukuthi, imoto. Ukuthatha imalimboleko ebhange noma endaweni yokuthengisa izimoto, umthengi angaqala ngokushesha ukusebenzisa ezokuthutha.

Kuyinto elula kakhulu ukuthi uma ufaka isicelo semalimboleko yezimoto, awudingi ukubheka umqinisekisi. Futhi iphesenti lokukhokha phansi ngokuvamile okuncane futhi ubukhulu bufinyelela ku-30%... Kwesinye isikhathi kutholakala ama-50-70%, kepha ezimweni ezinjalo amanani enzalo aphansi ayasebenza.

Kunezinhlelo ezilula kakhulu zemalimboleko yemoto ekhethwayo ngokusekelwa nguhulumeni, ngosizo ongathola ngayo imalimboleko yemoto ngokulahlekelwa okuncane. Izimoto azilahlekelwa ukuhambisana kwazo ngalesi sikhathi samanje, yingakho amanye amabhange esebenzisa izinhlelo zokushintshanisa amamodeli aphelelwe yisikhathi ngezanamuhla.

Ubuncane (−) ukubolekwa kwezimoto

Okunye okungahambi kahle kwemali mboleko yezimoto ukuthi zombili ibhange olikhethile kanye nokuthengisa izimoto kufanele kube yikho ophathina... Imali mboleko yemoto izonikezwa kuphela imoto osuvele uvumelane ngayo nabasebenzi bendawo edayisa izimoto.

Lapho usebenzisa imali mboleko yemoto, udinga ukufaka isicelo Umshuwalense weCASCO, lapho kuzofanele ukhokhele kude nemali encane, nomshuwalense uzoba unyaka nonyaka.

Okunye okungajabulisi ukuthi imoto yakho izofungiswa ebhange, ngakho-ke ngeke ukwazi, isib, ithengise noma ithenge entsha.

Izinhlelo zamalungelo zivame ukusebenza kuphela ezimotweni ezithile zemoto, ezikhawulela kakhulu ukukhetha komthengi.

Izinzuzo (+) zemalimboleko yabathengi lapho uthenga imoto

Izimalimboleko zomuntu siqu zifana okubhekiswe kukhofuthi engafanele, okungukuthi, imalimboleko yenziwa ngezinjongo ezithile noma cha.

Umshuwalense weCASCO uzoba ngokuzithandela - lokhu ukuhlanganisa, engonga kakhulu imali yakho, kuze kufike ku-15% wezindleko eziphelele zemoto.

Ngokukhokha ngokheshi, ungathola egumbini lokubonisa izimoto izaphulelo futhi amabhonasi... Futhi umthengi ukhululekile ngokuphelele ukukhetha imoto, ukuthengisa izimoto kanye nebhange, uma esebenzisa imalimboleko yabathengi.

Izimalimboleko zabathengi HHAYI Isibambiso ngaso sonke isikhathi siyadingeka, futhi ngokungafani nemalimboleko yemoto, zidinga nemibhalo embalwa, eyenza lula inqubo yokubhalisa. Futhi uma kudingeka isibambiso, imvamisa amabhange adala izimo ezithandekayo zababolekayo, isib, kwehliswe inzalo.

Okubi (-) kwemali mboleko yabathengi

Izinga lenzalo yemalimboleko yabathengi livame kakhulu kakhulu, okusho ukuthi, isibuma unikelwa 18% - lokhu hhayi kusho ukuthi uzokhokha ngokweqile u-18%. Kukhona into efana nokuthi "Izindleko ezigcwele zemalimboleko", okungafinyelela ku-18%, ngokwesibonelo, kuze kufike ku-25%... Ngakho-ke, kuzodingeka ukuthi ubale inkokhelo yangempela ethe xaxa ngokwakho.

Ngaphezu kwalokho, elinye iqiniso elingemnandi ukuthi kuyadingeka kaningi isiqinisekiso... Okwamanje Imalimboleko yemoto ingancamela ukubolekwa kwabathengi.

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Ngakho-ke, into esemqoka edingeka kuwe uma unquma ukuthenga imoto ngesikweletu ukwenza ukhetho, okubaluleke kakhulu kuwe: lula design noma ikhono lokulahla imoto yakho ngokuzimela.

Uma ukubhaliswa, - lapho-ke udinga imalimboleko yemoto, uma ukuzimela, - lapho-ke kufanele usebenzise isikweletu sabathengi... Yomibili imikhiqizo yasebhange inayo eyayo ubuhle nobubi, futhi ukukhetha kungokwakho kuphela.

Umbuzo 2. Yimiphi imibhalo edingekayo yemalimboleko yemoto lapho kuthengiswa khona izimoto?

Lapho ufaka isicelo semalimboleko yemoto esalon lapho uhlela ukuthenga khona imoto, kuzodingeka unikeze iphakethe elithile lamadokhumenti.

Isibindi semibhalo yokuthola imalimboleko yemoto esalon

Ngokwesiko, uhlu lwemibhalo lubandakanya:

• ipasipoti;
• ilayisense yomshayeli.

Ngaphezu kwezidingo ezijwayelekile, abangahle babe ngababolekisi bangaba ngaphansi kwesimo sesikhathi esithile isipiliyoni sokushayela.

Ngokuvamile, lapho ufaka isicelo semalimboleko ngokuthengisa izimoto, kudingeka imibhalo emincane, asikho isidingo sokuqinisekisa imali engenayo. Ngaphezu kwalokho, izidingo zabaqokelwe zithembekile kakhulu. Ngakho-ke, iminyaka ephansi yalowo obolekayo ongase abe khona ibukelwa phansi - kunjalo 18— 23 konyaka.

Umbuzo 3. Ungawanyusa kanjani amathuba okuthola ukuthi imali mboleko yemoto ivunyelwe ngaphandle kobufakazi bokuthola imali?

Ukuze wandise amathuba okuthola isicelo semalimboleko yemoto esivunyelwe, kufanelekile ukusihlola ngokucophelela iseluleko sochwepheshe.

Iseluleko 1. Yenza isicelo ngokusebenzisa indawo yokuthengisa izimoto

Abathengisi bezimoto bavame ukusebenza njengomthengisi wesikweletu kumthengi wabo. Imvamisa, igama lomthengisi lanele ebhange; alinantshisekelo kumlando wesikweletu naku-solvency. Ngasikhathi sinye, kuzokwenzeka ukuthi ukwazi ukuthola imali mboleko ngokusebenzisa indawo yokuthengisa izimoto ngokushesha okukhulu nangemibandela evumayo.

Kodwa-ke, kukhona nokubi kulolu hlelo:

• izindleko ezikhuphukile zezimoto ezisetshenzisiwe;
• kunciphisa ukukhetha komuntu obolekayo;
• umshuwalense oyimpoqo.

Iseluleko 2. Thenga inqubomgomo yomshwalense

Ezimweni eziningi, lapho ufaka isicelo semalimboleko yemoto, amabhange adinga ukuthi uthenge inqubomgomo yeCASCO.

Umthetho usunguliwe ukuthi umbolekisi akanalungelo lokuqinisekisa imoto. Kodwa-ke, uma ungafuni ukuthenga inqubomgomo, ibhange lingasenqaba isicelo esifakiwe ngaphandle kokuchaza izizathu.

Kubaluleke kakhulu ukukhipha inqubomgomo ye-CASCO ngesikhathi sokubhalisa imalimboleko yemoto ngaphandle kwesiqinisekiso semali engenayo... Lokhu kukhulisa kakhulu amathuba esinqumo esihle. Ngaphandle kokuthi unyaka kuzofanele ukhokhe ngokweqile mayelana 10% Inani lemoto, lizovikeleka. Lokhu kusho ukuthi inkampani yomshwalense izoyikhokhela imoto eshayisile noma eyebiwe.

Iseluleko 3. Buthelela imali yokukhokha

Isamba esiphezulu sokukhokha phansi sikuvumela ukuthi unciphise ↓ ukukhokha ngokweqile... Lokhu kutholakala ngokunciphisa inani lemalimboleko nokunciphisa izinga lenzalo. Ngokukhokha kokuqala okwanele, ngeke kudingeke uqoqe amadokhumenti amaningi.

Uma ufuna ukuthenga imoto ngaphandle kokukhokha imali, kufanele ulungele ukukhokha ngokweqile okungenani ngo-50% inani layo.

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Amathiphu angenhla azokusiza ukuthi wandise amathuba akho okuthola ukuthi isicelo sakho semalimboleko ezenzakalelayo sivunyelwe.

Umbuzo 4. Yikuphi okukhethwa kukho kokuthenga imoto esetshenzisiwe (eseyisebenzile) ngesikweletu?

Namuhla, cishe isigamu sezimoto eRussia zithengwa ngesikweletu. Kodwa-ke, iningi lazo lithengwa ngamasekeni.

Ochwepheshe bayashayela Izindlela ezi-5lokho kuzokusiza ukuthenga imoto esetshenzisiwe. Ngamunye wabo unezinzuzo nezinkinga zawo.

Indlela 1. Imalimboleko yemoto yendabuko yezimoto ezisetshenzisiwe

Le ndlela yokuthenga imoto ngesikweletu iyona elula kunazo zonke futhi ethembekile. Imvamisa, ngale nketho, ukuthengwa kwemoto kuyenziwa nge-salon.

Le ndlela inezinzuzo zayo:

1. Obolekayo angazethemba ekusebenzeni kwezobuchwepheshe kwemoto, kanye nasemthethweni wemvelaphi yayo;
2. Isivinini esikhulu sokulungiswa kwemali mboleko;
3. Kudingeka ubuncane bamadokhumenti ukuthola imali mboleko yemoto.

Ungakusheshisa ukubhalisa ngokuxhumana nabathengisi bezimoto ukufaka isicelo ngqo. Imvamisa, kuleli cala, impendulo ingatholakala vele Ngehora elilodwa... Kusele ukukhokha isitolimende sokuqala bese usayina isivumelwano semalimboleko.

Okubi kokubolekwa kwemali kubandakanya:

1. Ukwanda kokukhokhwa ngokweqile kwemali mboleko yezimoto, okungafinyelela 50% izindleko zemoto;
2. Obolekayo kuzodingeka ukuthi abe nomlando wesikweletu ocacile.

Indlela 2. Imalimboleko yabathengi yokuthenga imoto esetshenzisiwe

Lolu hlobo lwemalimboleko akuyona imali mboleko yemoto ngendlela yalo emsulwa. Ngokungafani neyokugcina, akubhekisiwe. Kodwa-ke, akekho ovimbela umboleki ukuthi asebenzise imali ayitholile ukuthenga imoto.

Le ndlela ivame ukusetshenziswa uma kuhlelwe ukuthenga imoto engabizi kakhulu noma inani elincane alanele ukuthenga ebizayo. Awukho umqondo wokusebenzisa imali mboleko yomthengi uma inani elidingekayo lidlula ama-ruble angama-300,000.

Khipha (-) le ndlela iphezulu isilinganiso senzalo... Phakathi kwe- i-pluses (+) kungabizwa ngokungabikho kwesidingo sokukhipha umshwalense Inqubomgomo ye-CASCO... Ngaphezu kwalokho, ungathenga ngokuphelele noma iyiphi imoto.

Indlela 3. Ukuthengwa kabusha kwezibopho zokukhokhela imali mboleko yemoto

Kwesinye isikhathi ngenqubo yokukhokha imali mboleko yemoto, isimo sezezimali salowo obolekayo sishintsha kakhulu. Anganikeza ibhange ukuthi ithengise imoto, okuthembisiwe. Ngenxa yalokhu, iklayenti elisha lebhange lingazifakela isicelo semalimboleko yemoto bese lihlenga imoto.

Kanye (+) indlela eyethulwe ukunciphisa u-↓ inani lesibambiso lapho kusetshenziswa isinqumo senkantolo.

kodwakhipha (-) ngukuthi ibhange alinabo ochwepheshe abangahlola isimo sobuchwepheshe semoto. Ngokombono, obolekayo uba ngumnikazi ikati ngesibhakela.

Indlela 4. Imalimboleko yemoto ngaphandle kokukhokha phansi kwemoto esetshenzisiwe

Imalimboleko yemoto esetshenzisiwe ngaphandle kokukhokha phansi ingenye yezindlela zokuthenga imoto esetshenzisiwe ngesikweletu

Ukuthenga imoto esetshenzisiwe ngesikweletu ngaphandle kokukhokha phansi kuhle kulabo abangenayo nhlobo imali yokukhokha.

Kodwa-ke, inezinkinga zayo:

• Ubungozi obuphakeme bebhange buholela ekukhuleni kwezinga lenzalo;
• Ukuqinisekiswa komboleki kuzoba okuphelele futhi okunzima kakhulu. Kuzofanele unikeze ngemibhalo eqinisekisa imali engenayo kanye nokuqashwa okusemthethweni.

Ungabala inani lanyanga zonke lezinkokhelo zokukhokhwa kwemali mboleko yemoto ngaphandle kokukhokha phansi usebenzisa wokubala loan online kuwebhusayithi yamabhange.

Indlela 5. Inzalo yemoto engenantshisekelo

Vele, ayikho imali mboleko yemoto engenzalo ngendlela eyiyo. Noma kunjalo, kunenketho yokukhipha izitolimende zokuhwebafuthi kubizwe ukufaka amaphuzu.

Nini ukufaka amaphuzu umthengi wenza inkokhelo yokuqala, yonke enye imali ikhokhwa yibhange. Isikhungo sezezikweletu sizodinga ukukhokha isikweletu. Kulokhu, ngeke kukhokhiswe inzalo.

Kunezinkinga eziningana zalesi sikimu:

• ukukhokha okukhulu okukhulu (imvamisa ifinyelela uhhafu wezindleko zemoto);
• isikhathi esincane sokubuyisa - kusuka ezinyangeni eziyisithupha kuya onyakeni.

Kuvela ukuthi ukufaka amafayili kufanelekile kuphela kulabo abahola imali eningi eyanele. Kufanele kukhunjulwe ukuthi ukungabi bikho kwenzalo akusho ukuthi akukho ukukhokhwa ngokweqile ngalolu hlelo.

Obolekayo kuzodingeka enze izinkokhelo ezingeziwe:

1. amakhomishini wokuvula nokugcina ama-akhawunti;
2. imali ekhokhwa ngaphambi kwesikhathi;
3. amaprimiyamu omshwalense we-CASCO;
4. izimali ezifika sekwedlule isikhathi.

Umbuzo 5. Ngabe kuyadingeka ukuthenga inqubomgomo yeCASCO lapho ufaka isicelo semalimboleko yemoto?

Imalimboleko yemoto imalimboleko ekhishelwa ukuthengwa kwemoto. KwabaseRussia abaningi, le nketho ukuphela kwendlela yokuba ngumnikazi wemoto. Kulokhu, kuyiqiniso ukuthi kuzofanele ukhokhe inani elikhulu impela, kufaka nefomu ukukhokhelwa ngokweqile.

Imvamisa, ngenxa yokukhokha ngokweqile, izindleko zokugcina zemoto zikhuphuka cishe izikhathi ezimbili. Ngakho-ke, ababoleki benza yonke imizamo yokonga okungenani okuncane. Kuze kube manje, iningi labo liyenqaba ukuthenga Inqubomgomo ye-CASCO... Umshwalense onjalo kufanele ukhishwe minyaka yonke futhi izindleko zawo zifinyelela 10% kusuka entengo yemoto.

Njengoba i-CASCO ingeyona impoqo, iningi lababoleki liyabaza ukuthi kungabanjani ukuthi lowo mshuwalense unjalo. Ngenxa yalokhu, bafuna izinhlelo lapho kungekho sidingo sokwenza kube semthethweni.

Kodwa-ke, akuwona wonke umuntu oqondayo ukuthi ibhange lifuna ukunciphisa izingozi zalo ngangokunokwenzeka. Ngakho-ke, uma kunqatshwa ukuqinisekisa insizakalo yesibambiso (imoto ethengwayo), isikhungo sezikweletu sisebenzisa ezinye izindlela ukuze sizivikele ngokuphelele.

Ukunciphisa ubungozi, isikhungo sekhredithi sisebenzisa lezi zinyathelo ezilandelayo:

• ukukhuphuka kwamazinga wenzalo;
• ukuncishiswa kwemigomo nenani lemalimboleko;
• isibopho sokwenza umnikelo wokuqala ngenani elikhulu ngokwanele;
• ukucubungula okuseduze kwalowo obolekayo;
• ukutadisha ngokucophelela umlando wesikweletu.

Qonda ukuthi yiluphi uhlelo ongalukhetha - nomshwalense noma ngaphandle - kungenzeka kuphela ngokubala ngokucophelela zombili izinketho.

Abanye ababolekisi banquma ukukhipha ukuthenga imoto isikweletu sabathengi noma imephu... Kepha lapha kufanele kukhunjulwe ukuthi ezinhlelweni ezingahlosiwe, isilinganiso sisethwe ezingeni eliphakeme. Ngakho-ke, kubalulekile futhi ukwenza izibalo ezinembile nokuhlaziya okuseduze lapha.

Umbuzo 6. Imalimboleko yemoto ngaphandle kwenzalo (ngo-0% ngonyaka) - inganekwane noma iqiniso?

Akuwona wonke umuntu okwazi ukuthenga imoto ngaphandle kokusebenzisa imali mboleko yemoto. Kodwa-ke, imalimboleko inyusa kakhulu izindleko zokugcina zemoto. Ngaphezu kwalokho, izinkokhelo zanyanga zonke ziba umthwalo owengeziwe kusabelomali somndeni. Ngokwemvelo, ezimweni ezinjalo, umboleki ngamunye wenza yonke imizamo yokwehlisa izindleko.

Esinye sezici eziyinhloko ezenza ukukhokhwa kwemali mboleko yemoto ngu isilinganiso senzalo... Ukunciphisa, kufanelekile ukuhambisa ebhange amadokhumenti amaningi ngangokunokwenzeka, ukhokhe imali ekhokhwa kakhulu.

Ngaphezu kwalokho, kunokunikezwa emakethe okunikezela ukuhlela inzalo yemoto engenanzalo... Ake sizame ukuthola ukuthi lokhu kuyiqiniso kangakanani, noma ngabe izimali mboleko ezinjalo zikhona ngokoqobo noma zimane ziyinto yokuduma.

Inhloso enkulu yamabhange lapho ekhipha imali mboleko ekugcineni ukuthola imali ethile. Ngokwengxenye enkulu, iqukethe okukhokhelwe ngumboleki iphesenti... Umbolekisi naye ubeka isilinganiso ingozi yokungabuyi izimali ezikhishiwe. Ngakho-ke, abaningi abakholelwa ebukhoneni bemalimboleko yemoto engenzalo. Noma kunjalo, lo mbono awulungile.

Kubalulekile ukwazi! Imali mboleko engenenzalo ibizwa ngokufanele ngezitolimende... Kulokhu, umthengi wemoto ukhokha ingxenye yezindleko zayo njalo ngenyanga, ngaphandle kokukhokha ngokweqile. Kunokunikezwa okufanayo emakethe yemalimboleko yemoto, kepha akuvamile.

Ngokuvamile uhlelo lwesitolimende imele yabelana, esebenza isikhashana esifushane.

Isiphakamiso esinjalo senziwa ngokuhlanganyela amaqembu amathathu:

1. umkhiqizi wezimoto;
2. ngumthengisi (umthengisi osemthethweni);
3. ibhange.

Iqembu ngalinye lilawula izindleko zokugcina zemoto - ifektri futhi umthengisi isaphulelo intengo, ibhange kunciphisa izinga lenzalo... Ngenxa yalokho, imoto izobiza kancane. Esivumelwaneni, inani lentengo ejwayelekile liyakhonjiswa. Abahlanganyeli kulokho okwenziwayo bazokwabelana ngomehluko phakathi kwabo, futhi obolekayo uzothola imalimboleko engenzalo.

Kungaba nezinketho eziningi zokubhalisa isivumelwano:

Inketho 1. Iklayenti elisendaweni ethengisa izimoto linikezwa isaphulelo enanini lenzalo etholwe emalimboleko. Esivumelwaneni semalimboleko yemoto, inzalo iyakhonjiswa. Ngenxa yalokho, lapho ukhokha imali mboleko, kuvela ukuthi iklayenti alikhokhi lutho.

Inketho 2.Inkontileka ikhombisa inani lemakethe yemoto. Ibhange alibizi nzalo kanti obolekayo ukhokha inani elilingana nentengo yemoto kancane kancane.

Obolekayo kufanele aqonde ukuthi ukuthola imali mboleko yemoto engenenzalo akulula. Kuzofanele uqinisekise ubukhona bendawo esemthethweni yokusebenza, kanye nemali engenayo eyanele. Ngaphezu kwalokho, akunakwenzeka ukuthi abantu abasha bazokwazi ukuhlela imalimboleko enjalo.

Namuhla, ngisho nalabo abangenayo imali eyanele yokuthenga imoto bangaba ngabanikazi bemoto. Kwanele ukuthatha imali mboleko yemoto.

Kepha ungakhohlwa ukuthi kuzofanele ikhokhwe isikhathi eside ngokunembile. Uma lokhu kungenziwanga, ibhange lingamangalela futhi liphoqe ukuthengiswa kwemoto.

Ekuphetheni, sikukwazisa ukuthi ubuke ividiyo yokuthi ungayithatha yini imalimboleko yemoto:

Konke lokho okwethu. Ithimba likamagazini wezezimali i-Ideas for Life likufisela ukuthenga okuphumelelayo kanye nemalimboleko yemoto enenzuzo enkulu!

Uma usenemibuzo ngesihloko sokushicilelwa, bese ubabuza kumazwana angezansi. Yilinganise bese wabelana ngendatshana kumanethiwekhi omphakathi nabangane bakho. Kuze kube yisikhathi esilandelayo!

Bukela ividiyo: Karatbars Income 12 Weeks to Financial Freedom with Karatbars Gold Savings Plan Karatbars Income (Septhemba 2024).