Imalimboleko yemoto online - ungasibala kanjani isikweletu semoto nokuthi ungasikhipha kuphi (thumela) isicelo esiku-inthanethi semalimboleko yemoto: amabhange we-TOP-5 anikezwa okunenzuzo

Sawubona bafundi abathandekayo bemagazini ye-Ideas for Life! Namuhla sizokutshela ukuthi ungabala kanjani futhi ufake isicelo semalimboleko yemoto online, kanye nokuthi kungcono kuphi ukufaka isicelo semalimboleko yemoto online.

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

Ngemuva kokufunda incwadi ethunyelwe, uzofunda:

• Yiziphi izici zokufaka isicelo semalimboleko yemoto online;
• Yiziphi izindlela zokubala imali mboleko yemoto;
• Ungasifaka kuphi isicelo semalimboleko yemoto online.

Futhi esihlokweni ozosithola imiyalo yesinyathelo ngesinyathelo yokufaka isicelo semalimboleko yemoto onlineukusiza abaqalayo. Ngaphezu kwalokho, ngokwesiko ekugcineni kokushicilelwa siphendula imibuzo ethandwayo.

I-athikili eyethulwayo izoba wusizo kuwo wonke umuntu ofuna ukuthola imali mboleko yemoto ngokushesha futhi ngaphandle kwezinkinga ngangokunokwenzeka. Funda ukuthi ungakwenza kanjani lokhu manje!

Ungabala kanjani futhi ufake isicelo semalimboleko yemoto online, lapho kungcono ukufaka isicelo semalimboleko yemoto - funda kulo magazini

1. Isicelo semalimboleko yemoto online njengendlela yokuthenga imoto nge-Intanethi 🗒

Ngesikhathi seSoviet, abantu bakithi kwakudingeka bonge imali isikhathi eside ukuze bathenge imoto. Bese kusamele balinde ithuba labo, ngoba bezingekho izimoto ezweni ezanele wonke umuntu.

Namuhla, ukuthenga imoto kulula kakhulu. Lapho ngisho akudingekile ukuthi ube nemali eyanele yokuyithenga. Kwanele ukuxhumana nebhange futhi thola imali mboleko... Kepha kwavela ukuthi lo akuwona umkhawulo, ngoba ungathola imali mboleko yokuthenga imoto online.

Eminyakeni embalwa edlule, bekudingeka ukuchitha isikhathi belinde kulayini, bekhuluma nesikhulu esimalimboleko. Kwakudingeka futhi ukuqoqa inani elikhulu lezitifiketi nemibhalo. Futhi besingekho isiqinisekiso sempendulo enhle evela ebhange.

Ngokuthuthukiswa kobuchwepheshe be-Intanethi, inqubo yokuthola imali mboleko yemoto ibe lula kakhulu. Namuhla, akudingeki nokuthi ushiye ikhaya lakho noma ihhovisi ukuze ufake isicelo semalimboleko. Kwanele gcwalisa isicelo online futhi emizuzwini embalwa ungaba umnikazi oziqhenyayo wemali yokuthenga imoto.

Vele, kusamele uye ehhovisi lesikhungo sezikweletu. Yilapho lokho ukusayina inkontileka... Uzodinga futhi ukuvakashela indawo edayisa izimoto, lapho yenziwa khona ngqo ukuthenga imoto... Kepha uma kunesinqumo esihle ngemalimboleko, lezo zenzo ngeke zisaba nzima.

Kunezinzuzo eziningana zokufaka isicelo semalimboleko yemoto online:

• ukonga isikhathi - asikho isidingo sokuhambela izikhungo zezikweletu, ume kulayini;
• ukugcwalisa uhlelo lokusebenza kwenziwa endaweni enethezekile, ngokungafani nemvelo ethusayo futhi eshubile egatsheni lasebhange;
• ungafaka isicelo ezikhungweni eziningi zezikweletu ngasikhathi sinye;
• ezinye izinkampani zinikela ngenzalo eyehlisiwe kumakhasimende afake isicelo online.

Labo abathatha isinqumo sokuthola imalimboleko yemoto kufanele bazi ukuthi amabhange amaningi adinga idiphozi imali yokuqala... Usayizi wayo uncike esikhungweni sokubolekisa kanye nohlelo lokuboleka.

Kodwa-ke, labo abangenayo nhlobo imali akufanele baphelelwe yithemba - namuhla ungathola imali mboleko yezimoto ngaphandle kokukhokha phansi. Kepha kufanele kukhunjulwe ukuthi izinga lalezi zinhlelo livame ukuba phezulu kakhulu. Incazelo ilula - ezimweni ezinjalo ibhange lithatha ubungozi obukhulu.

Ababoleki kufanele bazi ukuthi impendulo etholwe ebhange nge-Intanethi ingeyokuqala. Ngaphambi kokukhipha imali mboleko, isikhungo sezikweletu impela izobheka imininingwane eshiwo kusicelo se-elekthronikhi nemibhalo yoqobo.

Ngakho-ke, ochwepheshe batusa gcwalisa uhlu lwemibuzo ngangokunokwenzeka kugcwele, okulungile futhi ngokucophelela... Uma kutholakala amaphutha nokungahambi kahle kwesicelo, imali mboleko kungenzeka inqatshelwe. Ngaphezu kwalokho, uma kutholakala inkohliso, ongoti bamabhange bangangena kumfakisicelo uhlu olumnyama.

Enye yemingcele ebaluleke kakhulu yemalimboleko yemoto yile isilinganiso senzalo... Nguye onendima enqumayo ku ukukhokha ngokweqile... Futhi, ubukhulu bayo bunomthelela isamba futhi isikhathi wathola imali mboleko futhi imigomo yokubolekisa.

Ngokwesiko, imali mboleko yemoto inenzuzo enkulu kunemali ejwayelekile yemalimboleko yabathengi. Kodwa-ke, izici zomboleki nebhange alithandayo lihlala linqumile.

Okubalulekile! Ngokwesilinganiso, imoto ethengwe ngesikweletu izobiza cishe 40% ebiza kakhulu.

Ababoleki kufanele bazi ukuthi kunezindlela eziphumelelayo zokwenza lokhu ukunciphisa ↓ ukukhokhwa ngokweqile kwemali mboleko yemoto. Kwenzeka ukuthi esikhundleni senhloso kube nenzuzo enkulu ukuyithola isikweletu sabathengi noma ikhadi lesikweletu... Isimo esifanayo singavela lapho inani elincane linganele ukuthenga imoto.

Ibhange ngalinye lenza imibandela yalo yemalimboleko yezimoto. Kodwa-ke, ochwepheshe bagqamisa izici ezijwayelekile zeziphakamiso zazo zonke izikhungo zezikweletu.

Izimo eziyinhloko zokukhishwa kwemali mboleko emabhange:

• inkokhelo yokubambisa kungenzeka ingabikho ngokuphelele noma ifinyelele uhhafu wezindleko zemoto;
• imigomo yemalimboleko kuyinto kusuka 1 ngaphambi 7 iminyaka.

Ngaphezu kwemingcele yemalimboleko yemoto, kungahlukaniswa izidingo eziningi ezisebenza kubabolekisi.

Izidingo eziyinhloko zomboleki yilezi:

• ubudala - okuncane - Iminyaka engu-21, okuphezulu - Iminyaka engu-65 (kwesinye isikhathi imalimboleko inikezwa izakhamizi kusuka 18 ngaphambi 75);
• ukutholakala komsebenzikubhaliwe;
• imali ejwayelekile esemthethweni.

Amanye amabhange anikela ngokuthola imali mboleko yemoto ngaphandle kokwethula izitifiketi zomsebenzi nezokuhola. Kepha, ukuvuma iziphakamiso ezinjalo, kufanele kukhunjulwe ukuthi izindleko zemalimboleko kuleli cala zingaba phezulu kakhulu.

Kunoma ikuphi, ngaphambi kokufaka isicelo semalimboleko yemoto, kubalulekile ukuthi ufunde ngokucophelela konke ukunikezwa kwamabhange. Kungaleso sikhathi kuphela lapho ungakhetha khona eyodwa yazo.

Izindlela ezisemqoka zokubala imalimboleko yemoto: 1) usebenzisa i-calculator eku-inthanethi; 2) egatsheni lasebhange; 3) ngokwakho

2. Ungayibala kanjani imalimboleko yemoto (imalimboleko yemoto) - TOP-3 izindlela zokubala izindleko zemalimboleko yemoto 📋

Iningi lamabhange aseRussia anamuhla anikela ukuhlela imalimboleko yemoto. Esimweni esinjalo, kungaba nzima kumboleki ukukhetha inketho engcono kakhulu.

Ukuze uqiniseke ukuthi imali mboleko yemoto ekhishwa inenzuzo enkulu, kufanele uhlaziye ngokucophelela zonke izinketho ezitholakalayo. Ukuze wenze lokhu, uzodinga ukubala kusengaphambili izindleko zemalimboleko yemoto emabhange ahlukene.

Ochwepheshe batusa ukusebenzisa enye yezindlela ezintathu ezichazwe ngezansi ngalokhu.

Indlela 1. Bala imalimboleko yemoto usebenzisa umshini wokubala oku-inthanethi

Indlela elula yokubala ukukhokha ngokweqile kwemali mboleko yemoto, engadingi isikhathi esiningi nolwazi, yile wokubala loan online.

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Kunezinhlobo ezimbili eziyinhloko zazo:

1. izinhlelo ezinikezwa amasayithi akhethekile;
2. ama-calculator athunyelwe kuzinsizakusebenza ezisemthethweni zezikhungo zezikweletu.

Emikhakheni ekhethekile, kufanele ufake izici eziyinhloko zemalimboleko yemoto:

• izindleko zemoto;
• inani lesitolimende sokuqala;
• isikhathi sokuboleka;
• isilinganiso senzalo;
• inketho yokukhokha (impesheni noma izinkokhelo ezihlukanisiwe).

Ngemuva kokuthi zonke izinkambu zigcwalisiwe, kuhlala kuchofoza inkinobho "Bala imalimboleko yemoto", umphumela uzoba uhlelo olunezinkokhelo zanyanga zonke namanani okukhokha ngokweqile, kanye nenani eliphelele lokukhokhwa kwemali mboleko.

Ukubala imali mboleko yemoto usebenzisa i-calculator eku-inthanethi

Indlela 2. Thintana nomphathi wemalimboleko ebhange

Labo abangafuni ukubala mathupha imali yemoto kumele bathinte igatsha lasebhange. Ochwepheshe bemali mboleko bazenzela ngokuzimela zonke izibalo.

Iklayenti aliqondi njalo ukuthi lo noma lowo mphumela utholwe kanjani. Noma kunjalo, le ndlela nayo ine- plus (+) – umboleki akudingeki enze lutho.

Ngaphezu kwalokho, izibalo ezikhungweni zesikweletu imvamisa zinembile futhi zichazwe ngokuningiliziwe.

Indlela 3. Yenza isibalo esizimele semalimboleko yemoto

Le nketho ilungele labo abathemba izibalo zabo kuphela. Kodwa-ke, kuzodinga ulwazi oluhle lwezibalo zezezimali.

Izibalo zingenziwa kusetshenziswa wokubala engineering noma Ama-spreadsheet e-Excel... Kubalulekile ukuthi ungakhohlwa ukucabangela yonke imingcele yemalimboleko yemoto.

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Ngakho-ke, ngaphambi kokuqhubeka nemalimboleko yemoto, kubalulekile ukubala inani lokukhokha elizayo futhi ukukhokha ngokweqile.

Ukwenza lokhu, ungasebenzisa enye yezindlela ezethulwe. Ukukhethwa kokukhetha kuncike olwazini nasezifisweni zalowo obolekayo.

Imiyalo yesinyathelo ngesinyathelo yokuthi ungasifaka kanjani isicelo semalimboleko yemoto online

3. Ungasifaka kanjani isicelo semalimboleko yemoto online - 5 izinyathelo ezilula 📝

Ngakho-ke, ukuthola imali mboleko yemoto kwenza kube lula kakhulu kulabo abaphupha ngezabo izimoto, kepha abanayo imali eyanele yokuyithenga. Kodwa-ke, kuze kube manje, akubona bonke abantu abazi ukuthi bangafaka kanjani isicelo esifanele semalimboleko yemoto online.

Ngakho-ke, ochwepheshe baye bahlanganisa imiyalo yesinyathelo ngesinyathelo kulabo abakwenzayo okokuqala.

Isinyathelo 1. Kubalwa izindleko zemalimboleko yemoto

Okokuqala, kufanele ubale imingcele eyinhloko yemalimboleko yemoto. Obolekayo kumele aqonde ukuthi unamalini nokuthi kuzodingeka aboleke malini.

Okubalulekile! Kuyadingeka ukuchaza imali ekhokhwa njalo ngenyanga... Lokhu kuzokusiza ukuthi uqonde ukuthi imali mboleko izokhokhwa kanjani.

Sesivele sikhulume ngezindlela zokubala ngenhla. Kubalulekile ukukhumbula ukuthi amapharamitha alandelayo ayadingeka ukuthola imininingwane eyiyo:

1. inani lemalimboleko;
2. imigomo yemalimboleko (kaningi ezinyangeni);
3. isilinganiso ngamaphesenti ngonyaka;
4. inani lesitolimende sokuqala;
5. indlela yokukhokha.

Kufanele kukhunjulwe ukuthi ama-calculator amaningi emalimboleko awabheki amaphrimiyamu omshwalense, okuyizinto zendabuko zemalimboleko yezimoto (isib, imvamisa iCASCO ikhishelwa imoto ethengwe kusetshenziswa imali ebolekiwe). Lezo zinkokhelo kufanele zinakwe ukuze kuhlolwe kahle inani lokukhokha ngokweqile.

Kubalulekile futhi ukuba acabangele khona ezahlukene amakhomishini ekukhishweni nasekugcinweni kwemali mboleko yemoto yibhange.

Isinyathelo 2. Ukukhethwa kwemoto nendawo yokuthenga

Imvamisa, lapho esevele esesigabeni sokuhlaziya imalimboleko yezimoto, obolekayo uyazi ukuthi iyiphi imoto ahlela ukuyithenga. Kodwa-ke, kwesinye isikhathi ukukhetha kufanele kwenziwe ngemuva kwezibalo, lapho sekucaca ukuthi umqhubi wesikhathi esizayo angathembela kangakanani.

Ngaphezu kwebanga lehhashi lensimbi, lesi sinyathelo kufanele sibe khetha ukuthengisa izimoto... Ezindaweni ezinkulu zamadolobha amakhulu, kuvame ukuba khona impela. Ukuze wenze ukukhetha okulungile, kufanelekile ukutadisha zonke iziphakamiso. Kulokhu kuyasiza ukufunda ukubuyekezwa amaklayenti abo.

Iningi labathengisi bezimoto abakhulu banalo izivumelwano zokubambisana ngamabhange amakhulu. Ngaphezu kwalokho, umthengisi ngamunye usungula oxhumana nabo nohlu lwakhe lwezinhlangano zezikweletu.

Ngakho-ke, uma kukhethwe ibhange elithile lemalimboleko yemoto, ongoti kufanele bacacise ukuthi usebenzisana kuphi nokudayisa izimoto.

Okufanayo kusebenza kulawo macala nini sObolekayo uthathe isinqumo sokuthenga imoto enkampanini ethile... Lapho-ke abathengisa izimoto kuzofanele bathathe uhlu lwamabhange futhi bahlaziye okunikezwayo.

Isinyathelo 3. Ukuhlaziywa nokuqhathaniswa kwezimo zemalimboleko yemoto emabhange ahlukene

Abanye abantu bakholelwa ukuthi imibandela yemalimboleko yezimoto kuwo wonke amabhange icishe ifane. Ngakho-ke, basikisela ukuthi ukhethe inkampani etholakala ngokwendawo kalula kakhulu. Le ndlela ngokuyisisekelo ongathembekile.

Namuhla, inani elikhulu lamabhange lisebenza ezimakethe zezezimali. Ngakho-ke, izinga lomncintiswano liphakeme kakhulu lapha. Amabhange alwela wonke amaklayenti, enza njalo izinhlelo ezintsha zemalimboleko yezimoto. Obolekayo ezimweni ezinjalo ubhekene nomsebenzi qhathanisa ukunikezwa okuphezulu bese ukhetha kuzo okuncono.

Indlela elula yokuhlaziya inani eliphakeme lezinhlelo zemalimboleko yezimoto ngesikhathi esincane izinsizakalo ze-intanethi ezikhethekile... Kwanele ukukhombisa idolobha ohlala kulo ukuthola uhlu lokunikezwayo lokuqhathanisa.

Lapho kukhethwa ibhange ukuthola imali mboleko yemoto, ababoleki ngokwesiko bayayinaka isilinganiso senzalo... Lokhu, yiqiniso, kubalulekile, kepha hhayi kuphela ipharamitha. Kufanele futhi unake i- imigomo yokukhokha futhiidumela lesikhungo sezikweletu.

Ngaphandle kwalokho, kubalulekile ukutadisha amasheya amanje amabhange ahlukahlukene, ngoba avame ukukhula okunikezwa ngezikhathi ezithile zonyakaukuheha amakhasimende amaningi.

Ngendlela, kuwebhusayithi yethu kunendatshana ethi "Imalimboleko yezimoto ngokusekelwa nguhulumeni - uhlu lwezimoto nemibandela yokuthola" - sincoma ukuthi uyifunde.

Isinyathelo 4. Ukubhaliswa kwesicelo kwi-Intanethi

Ukuhambisa isicelo online kwenza kube lula ukusetshenziswa kwemali mboleko yemoto, futhi kusindisa nesikhathi somboleki wesikhathi esizayo. Kodwa-ke, kusamele uvakashele igatsha lasebhange - kusehhovisi lokho ngibheka okwangempela imibhalo futhi okwalandela ukusayina isivumelwano semalimboleko.

Okuyinhloko inzuzo isicelo online kuyinto amandla okukuhambisa ezikhungweni eziningi zezikweletu ngasikhathi sinye... Ngesikhathi esifanayo, asikho isidingo sokuqoqa iphakethe lamadokhumenti ngamakhophi ambalwa bese ulisabalalisa emahhovisi asebhange.

Ukuqedela uhlelo lokusebenza kuthatha imizuzu embalwa nje. Kwanele ukufaka yonke imininingwane edingekayo emikhakheni efanele. (Bheka izithombe-skrini ngezansi).

Isinyathelo 1. Ukubalwa kwemingcele yemalimboleko yemoto

Isinyathelo 2. Ukugcwalisa imininingwane yomuntu nokufaka isicelo semalimboleko yemoto

Lapho wenza isicelo semalimboleko yemoto, uzodinga ukufaka imininingwane elandelayo:

• isibongo, igama, isibizo;
• usuku nendawo azalelwa kuyo;
• idatha yepasipoti;
• ulwazi mayelana nendawo yokusebenza;
• imininingwane yokuxhumana - inombolo yocingo kanye nekheli le-imeyili.

Lolu ulwazi oluyisisekelo oludingayo. Isikhungo ngasinye sezikweletu singangezela uhlu lwemibuzo ngezidingo zalo.

Kuhlala ukuthumela isicelo ebhange bese ulinda isinqumo. Ngesikhathi sokucatshangelwa kohlu lwemibuzo, isikhungo sezezikweletu sihlola umlando wesikweletu walowo ongaba iklayenti. Uma kungekho zinkinga ngedumela, kuqinisekisiwe ukuthi kusebenza okuhle isinqumo.

Kodwa-ke, uma ochwepheshe bengabaza ukuthi umboleki wesikhathi esizayo uyisixazululo, bangakwazi ukulahla noma kuqiniswe izimo zokubolekisa ngemali. Ngakho-ke, ibhange linganikela ngokuheha isibambiso, hlinzeka isibambiso esingeziwe noma ukwandisa ↑ isilinganiso senzalo.

Ungathola ukuthi ungayithola kanjani futhi kuphi imali mboleko ngaphandle kokwenqaba (ngomlando omubi wesikweletu ngaphandle kwezitifiketi zemali engenayo kanye nabaqinisekisi) kokunye kwezinto zethu.

Isinqumo sesikhungo esikweletisa isicelo esifakwe kwi-Intanethi imvamisa esokuqala. Lokhu kusho ukuthi, uma kuvunyiwe, lowo ozoba umboleki kuzofanele avakashele igatsha lasebhange ngokuqala kwemibhalo. Kuphela impendulo yokugcina izonikezwa lapho.

Isinyathelo 5. Ukuthola imali mboleko nokuthenga imoto

Lapho kunesinqumo sokugcina esivumayo semalimboleko yemoto, kusala ukusayina isivumelwano semalimbolekoukuthola imali.

Ngemuva kwalokho, ungaqala ukuthenga imoto, ukuyibhalisa nokuyiqinisekisa. Sibhale ngendlela yokuvikela imoto nge-Intanethi ku-athikili ehlukile.

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Obolekayo othathe imalimboleko yemoto kumele akhumbule ukuthi imoto izoba wathembisa ebhange NGAPHAMBI ukukhokhwa okugcwele kwemali mboleko.

Kubalulekile ukukhokha ngokunembile, sengathi uma wenqaba ukukhokha, ungalahlekelwa yimoto oyithengile.

Ukubuka konke kwamabhange lapho ungafaka khona isicelo semalimboleko yemoto online

4. Ungasifaka kuphi isicelo semalimboleko yemoto online - ukubuka konke kwamabhange we-TOP-5 ngokunikezwa okuhle 🏦

Abantu abaningi bacabanga ukuthi ukubolekwa kwemali ngezimoto kunezingqinamba ezinkulu. Bayabizwa umshuwalense we-CASCO oyimpoqolapho amanye amabhange ebeka khona. Ngaphezu kwalokho, abantu abaningi abathandi ukuthi imoto ethengiwe ihleli wathembisa ebhange.

Ngakho-ke, labo abangenayo imali eyanele yokuthenga imoto oyifunayo bavame ukufaka izicelo isikweletu sabathenginoma ikhadi lesikweletu.

Kodwa-ke, ukubolekwa kwezimoto akulahlekelwa ukuthandwa kwabo. Lokhu kuchazwa kalula - imvamisa kuyindaba yokuthola imvume yokuthola imalimboleko enjalo Kalula nakakhulu... Izinga lenzalo yemalimboleko yemoto livame ukuba ngaphansi kuka-↓.

Ukuthandwa kwemali mboleko yezimoto kuholela ekutheni amabhange amaningi afaka izinhlelo ezifanayo emugqeni wazo wemalimboleko. Kungaba nzima ukukhetha okulungile kunombolo enkulu yokunikezwayo. Ngakho-ke, ochwepheshe benza izilinganiso zamabhange amahle kakhulu.

Ngezansi kwe- Izikhungo eziphezulu zezikweletulapho ungafaka khona isicelo semalimboleko yemoto online.

1) I-Sovcombank

Ungaboleka imali ku-Sovcombank kufika kuma-ruble ayi-1 000 000... Ukuvuthwa kwemali mboleko kungasethwa ngaphakathi 5 iminyaka... Izinga lizoba 17% minyaka yonke.

Kulabo abafisa ukuthenga imoto, iSovcombank inikezela ngesipesheli esihlukile - imalimboleko evikelwe yimoto endala... Funda ngezimo nezigaba zokuthola imali mboleko evikelwe yimoto i-PTS endatshaneni ehlukile kumagazini wethu.

Futhi, namuhla, isikhungo sezikweletu sinomkhankaso - imalimboleko ye- 100 000 ama-ruble ngaphansi 12% vula 12 izinyanga... Kodwa-ke, kubalulekile ukubheka ukutholakala kokunikezwa okunjalo uma ufuna ukuthola imali mboleko.

Ngokuvamile, umugqa wesikweletu sikaSovcombank ufaka ngaphezu kwezinhlelo eziyi-10. Ngaphezu kwemali mboleko yabathengi, kukhona ukubolekwa kwezimoto... Ngezimali ezitholiwe, ungathenga imoto ezindaweni zokuthengisa izimoto ezingabalingani bebhange.

2) Ibhange iTinkoff

ITinkoff Bank isebenza ngokuphelele online. Lapha ngokoqobo ngamunye 5 imizuzu ungafaka isicelo sekhadi elinomkhawulo wesikweletu kufika kuma-ruble angama-300,000.

Isinqumo ngesicelo senziwa ngemizuzu nje embalwa. Ngemuva kwalokho, kwanele ukukhombisa ikheli okufanele lithunyelwe kulo ikhadi. Ngosuku olufanayo, obolekayo uba ngumnikazi oziqhenyayo wemali edingekayo ukuthenga imoto.

Ngokusetha ikhadi lesikweletu isikhathi somusa ongenzalo... Ngamanye amagama, lapho isikweletu sikhokhelwa ngaphakathi Izinsuku ezingama-55 ngeke kudingeke ukhokhe iphesenti. Ngaphezu kwalokho, ngokuthenga usebenzisa ikhadi, amabhonasi ngezinga le- ngaphambi 30% kusukela enanini lezindleko.

Ngonyaka wokusebenza kwemali mboleko enjalo kuzofanele ukhokhe ikhomishini ngezinga le- 590 ama-ruble... Izinga lekhadi lesikweletu lisethwe ezingeni elamukelekayo - 19,9% minyaka yonke.

3) Isikweletu se-Renaissance

I-Renaissance Credit Bank ithembisa ukukhipha ikhadi lesikweletu online ngomkhawulo kuze kufinyelele ku-200,000 ruble... Ngemuva kokugcwalisa isicelo emini Ochwepheshe besikhungo sesikweletu benza isinqumo.

Lapho ethola impendulo enhle, umboleki angaya ehhovisi lebhange eliseduze ayolanda imephu... Ukukhishwa nokugcinwa kwayo kumahhala. Lapho ukhokha imalimboleko zingakapheli izinsuku ezingama-55 akudingeki ukhokhe inzalo. Ngaphandle kwalokho, isilinganiso sizoba 24,9% minyaka yonke.

Ngaphezu kwamakhadi wesikweletu online, unga-oda ukubolekwa ngenani ngaphambi 700 000 ama-ruble... Kulokhu, isilinganiso sisethwe ezingeni 13,9%... Izakhamizi ezineminyaka yobudala yokuthatha umhlalaphansi zingathola imali mboleko ngokwemibandela ekhethwayo.

4) I-Alfa Bank

I-Alfa Bank ithembisa ukuhlela imalimboleko yokuthengwa kwemoto, kanye nemalimboleko yemali kulelo nani kuze kufinyelele ku-5,000,000 ruble... Imali etholakele kuzomele ibuyiswe ngesikhathi kusuka 12 ngaphambi 72 izinyanga.

Labo abangenayo imali eyanele yokuthenga imoto bangafaka isicelo kwa-Alfa Bank ikhadi lesikweletu.

Ngohlelo IPlatinamu iyatholakala ngaphambi 300 000 ama-ruble... Ngonyaka wokuqala, ngeke kudingeke ukhokhele ukukhokhela lelo khadi lesikweletu. Ungayibuyisa imalimboleko nge-ATM noma nge-akhawunti yakho yomuntu siqu kuwebhusayithi. Uma kungenzeka ukukhokha ngokuphelele isikweletu ngaphakathi 60 izinsuku, inzalo ngeke ikhokhiswe.

5) I-VTB Bank yaseMoscow

Ibhange elethuliwe lingomunye wabaholi bemakethe yezimali yaseRussia. Lapha ungathola kufika kuma-ruble ayizi-3 000 000 isikhathi se ngaphambi 5 iminyaka... Ungafaka isicelo semalimboleko emahhovisi esikhungo sesikweletu naku-inthanethi. Ochwepheshe benza isinqumo cishe ngamunye 15 imizuzu.

Izinga elijwayelekile lezinhlelo zemalimboleko ngu 14,9% minyaka yonke... Ngokungajwayelekile, umboleki angazikhethela ngokuzimela usuku lokukhokha ngokuya ngosuku lokuthola imali engenayo eyinhloko.

Uma iklayenti linezinkinga ezingalindelekile, ibhange linganikeza amaholidi esikweletu... Isikhathi sabo ngu kusuka 30 ngaphambi 60 izinsuku.

Lapho ufaka isicelo semalimboleko, abasebenzi bakahulumeni bangathembela amalungelo... Lesi sigaba sezakhamizi sinikelwa ukuthola imali mboleko ngenani eliphansi.

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Ukuqhathanisa okubukwayo kwezikhungo ezibhekwa njengezikweletu, ngokwesiko sethula izici zazo eziyinhloko etafuleni.

Ithebula lamabhange we-TOP-5 nezimo zawo zokubolekisa:

№	Inhlangano yezikweletu	Linganisa,% ngonyaka	Inani eliphakeme lemalimboleko	Ama-nuances abolekisayo
1	Sovcombank	12 – 17	Kufika kuma-ruble ayisigidi	Kukhona uhlelo lwemoto entsha ekuvikelekeni kwendala
2	Ibhange iTinkoff	19,9	Ama-ruble ayizinkulungwane ezingama-300	Imali ikhishwa ekhadini lesikweletu, elethwa ekhaya lakho
3	Isikweletu se-Renaissance	24,9	Kufika kuma-ruble ayizinkulungwane ezingama-200	Ayikho ikhomishini yokukhipha nokugcina ikhadi lesikweletu
4	I-Alfa Bank	23,9	Kuze kube ama-ruble ayizinkulungwane ezingama-300	Isikhathi somusa izinsuku ezingama-60
5	I-VTB Bank yaseMoscow	Kusuka ku-14.9	Kuze kube yizigidi eziyi-3 zama-ruble	Ukubolekwa kwemali evunyelwayo kubasebenzi bakahulumeni Ithuba lokuthola amaholide esikweletu

Kukhona nezinkampani ezinikezela ngokuqashiswa kwezimoto kwabantu ngabanye nezinhlangano ezisemthethweni.Lokhu ukuqasha imoto ngenketho yokuthengwa kwayo okulandelayo. Enye yezinkampani eziqashisa kakhulu eRussia Federation ekupheleni konyaka we-2016 (idatha evela ku-RA Expert) yi-Europlan. Nazi izimo ezithandeka kakhulu zokubambisana + izinzuzo ezengeziwe nokulungiswa kwemoto kwamahhala phakathi nesikhathi sonke senkontileka.

5. Kungani amabhange engenza isinqumo esingalungile mayelana nezicelo zemalimboleko yemoto - izizathu ezi-TOP-5 ezidumile 📛

Amabhange awahlali enza isinqumo esihle ngezicelo zemalimboleko. Engxenyeni yamacala, obolekayo ekukhipheni imalimboleko wenqabe.

Kubalulekile ukwazi ukuthi yiziphi izizathu ezivame ukuholela emiphumeleni efanayo. Lokhu kuzosiza ofaka isicelo ukuthi athuthukise amaqhinga afanele.

Isizathu 1. Izinga eliphansi le-solvency

Lesi sizathu kuvame ukuholela ekwenqabelweni kwezicelo zemalimboleko yemoto. Incazelo ilula - ibhange lenza yonke imizamo ukukhulisa amathuba okubuyiselwa kwemali.

Kubalulekile ukuqinisekisa ukuthi inani lokukhokha nyangazonke ingeqi kuma-40% imali engenayo. Uma lo mthetho ungalandelwa, kuzofanela ushintshe imingcele eyisisekelo yemalimboleko ukukhulisa amathuba okuvunywa. Ngale njongo, unganciphisa ↓ inani lemalimboleko noma ukwandisa ↑ isikhathi.

Isizathu 2. Ukungahambisani nezidingo zesikhungo sezezikweletu

Ibhange libeka izidingo ezithile kubaboleki:

• ubudala - imvamisa kusuka 21 ngaphambi 65 iminyaka;
• Ubuzwe baseRussia;
• ukubhaliswa unomphela endaweni yesikhungo sesikweletu;
• ukuba semthethweni kwemibhalo, ukufakazela ubunikazi.

Uma okungenani kufinyelelwa imfuneko eyodwa, ibhange liyokwenqaba ukukhipha imalimboleko.

Isizathu 3. Umlando wesikweletu esibi

Ukukhokhwa emuva kwesikhathi kwezinkokhelo zanyanga zonke, kanye nokwenqaba ngokuphelele ukukhokha imalimboleko, kubonisiwe emlandweni wesikweletu.

Cishe wonke amabhange ahlola umlando wesikweletu walabo ababolekayo. Kepha isikhungo ngasinye sesikweletu sinemigomo yaso yokwenqaba. Othile wenqaba nakancane nje, omunye kuphela uma kwenzeka izono ezinkulu. Funda ngamabhange angahloli umlando wesikweletu wamakhasimende awo ku-athikili ehlukile.

Labo abakwazile ukonakalisa umlando wabo wesikweletu akufanele baphelelwe yithemba. Kuzofanele silungise isithunzi. Ukuze wenze lokhu, kufanelekile ukuthatha imali mboleko ngemali encane bese uyikhokha ngesikhathi.

Kwezinye izimo, kuzodingeka ukwenze lokhu kaningana. Umphumela uzoba ukungena okuhle ku- isikhungo sezikweletu, okuzokhulisa amathuba esinqumo esihle esicelweni semalimboleko yemoto.

Isizathu 4. Ukungabi bikho koqobo lwanoma yimuphi umqulu

Kwezinye izimo, umboleki akayinikezi eyangempela yemibhalo. Imvamisa, ibhange libheka lokho kubhekwa kungavuni iklayenti.

Kungase kube nokusola ukuthi lowo obolekayo ongaba khona uzama ukufihlela okuthile kochwepheshe besikhungo esibolekisa. Kulokhu, kuzothathwa isinqumo esingalungile mayelana nesicelo.

Isizathu 5. Umfakisicelo unerekhodi lobugebengu

Izinhlangano zezikweletu zizama ngayo yonke indlela ukukhulisa amathuba okukhokhelwa kwezimali ezibolekiwe. Ngakho-ke, bazama ukunganikeli imali kulabo abanerekhodi lobugebengu.

Kuze kube manje, umfakisicelo ngamunye uyahlolwa Ezokuphepha... Ngalolu lwazi kuyacelwa kwezomthetho noma bayaqiniseka ngokungabikho kwesakhamuzi ngohlu lwamagama akho amnyama.

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Ukwazi izizathu eziyinhloko zokwenqaba kwebhange ukufaka isicelo semalimboleko yemoto, noma ngubani obolekayo uzokwazi ukulungisa umugqa wokuziphatha nebhange. Lokhu kuzosiza ukukhulisa amathuba ↑ okuhle izixazululo.

6. Yini okufanele uyenze uma isicelo semalimboleko yemoto senqatshwa - izeluleko ezi-4 eziwusizo ezivela kochwepheshe 💎

Iningi lababoleki, selitholile ukwenqatshwa kwesicelo semalimboleko yemoto, liyeke. Kepha akufanele ulahle ithemba.

Lisekhona ithuba lokuthola imalimboleko yemoto. Kwanele ukulandela iseluleko sochwepheshe.

Ithiphu 1. Nikeza ibhange ukuthi linikeze ngesibambiso esingeziwe

Ezimweni lapho ibhange libheka ukuxazululwa komfakisicelo njengokwenele, iklayenti elingaba khona linganikeza isikhungo sezikweletu ukuphepha okungeziwe.

Ngale njongo, ungaheha isibambiso noma obolekayo noma ukuhlinzeka isibambiso esingeziwe.

Ithiphu 2. Vala imali ebolekiwe ekhona

Uma, ngemuva kokuthola imali mboleko entsha, inani lokukhokha nyangazonke, kucatshangelwa imali ekhona, kuzodlula 40% imali engenayo, kufanele ukhathazeke kusengaphambili mayelana nokukhokha ingxenye yezikweletu.

Lokhu kuzokhuphula izinga le-solvency, yingakho-ke kungenzeka kube nesinqumo esihle esicelweni.

Ithiphu 3. Gcwalisa yonke imibandela yasebhange

Uma ukwenqatshelwa kulandelwa ngenxa yokuthi akuzona zonke izimo zebhange ezahlangabezwayo, kufanele uzame ukulungisa isimo.

Ngale njongo, ungahlinzeka imibhalo engekho futhi inkomba.

Ithiphu 4. Faka isicelo kwamanye amabhange

Amabhange ancintisana, phakathi nomzabalazo wamakhasimende, amaningi awo enza lula izidingo zamakhasimende.

Ngakho-ke, lapho uthole ukwenqatshwa esikhungweni esisodwa sezikweletu, kufanelekile ukuzama ukuxhumana nomunye. Kungenzeka ukuthi kube nesixazululo okuhle.

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Ngakho-ke, noma ngabe isicelo semalimboleko yemoto senqatshwa ungapheli amandla - ngemuva kwakho konke, abaningi bayakwazi ukuthola imali abayifunayo.

Ngendlela, ungonga isikhathi ngokuthumela uhlu lwemibuzo emabhange amaningi ngasikhathi sinye. Namuhla kukhona izinsizakalo ezikhethekileokukuvumela ukuthi uthumele isicelo ezikhungweni eziningi zezikweletu ngasikhathi sinye.

7.Imibuzo Ebuzwa Njalo (FAQ) 📃

Enqubweni yokufaka isicelo semalimboleko yemoto, abangaba ababoleki bavame ukuba nemibuzo. Ngokwesiko, ukuze wonge isikhathi sakho, siphendula esivame ukuhlangana ngaso kakhulu.

Umbuzo 1. Yimiphi imingcele ethinta ukubalwa kwezindleko zemalimboleko yemoto?

Ababoleki abanekhono bazama ukuthola imingcele esemqoka yemalimboleko yemoto okwamanje NGAPHAMBI ukufaka isicelo. Kepha kungaba nzima ukwenza zonke izibalo ezidingekayo uwedwa. Kungcono futhi kuyashesha ukukwenza nge ama-calculator akhethekile wemalimbolekoimelwe kabanzi kwi-Intanethi.

Inani lokukhokha nyangazonke lithonywe inani elikhulu lezici. Umsebenzisi uzifaka yedwa emikhakheni efanele yokubala imalimboleko.

Lapho ubala imali mboleko yemoto usebenzisa i-calculator eku-inthanethi, kubalulekile ukubheka le mingcele elandelayo:

1. Uhlobo lwemoto ethengiwe, sha futhi imodeli... Futhi, umthelela omkhulu kumapharamitha wemalimboleko unawo unyaka wokukhishwa imoto - ithengwa entsha noma esetshenzisiwe.
2. Izindleko zemoto.
3. Imigomo yemalimboleko.
4. Inani lokukhokha eliphansi kunqunywa imigomo yokubolekisa, kanye namandla alowo obolekayo. Imvamisa le nkomba iyahlukahluka ebangeni kusuka 10 ngaphambi 50 iphesenti... Ezinye izinhlelo kungenzeka zingakhokhi imali ephansi.

Okubalulekile! Imvamisa, inani lemali elifakwe ngumboleki ngaphambi kwemali mboleko linomthelela omkhulu esilinganisweni. Ukuphakama kwemali ekhokhwayo kuyancipha, kuyehla inzalo yemalimboleko oyitholile.

Ochwepheshe batusa faka imingcele ephezulu kakhulu emkhakheni wokubala. Ngemuva kwalokho, ungashintsha usayizi wokukhokha kokuqala, ukhethe inani elilungile lenkokhelo yanyanga zonke. Le ndlela izosiza kakhulu ukunciphisa↓ inani lokukhokha ngokweqile futhi ngasikhathi sinye gcina ngaphakathi kwemali etholakalayo.

Izibali ezilula kakhulu zemalimboleko yemoto zibheka kuphela imingcele engenhla. Kodwa-ke, kaningi akwanele.

Izinhlelo zesimanje zokubolekwa kwezimoto zidinga indlela eqaphelayo yokubala, ngoba inani elikhulu kakhulu lezinkomba lithinta umphumela.

Ukwenza ngcono ukunemba kwamanani atholakele, kufanelekile ukucubungula ezinye izindlela zokubolekwa kwezimoto:

• ukutholakala komshuwalense wokuphila, ukusebenza kanye nomshuwalense wezempilo womboleki;
• isidingo sokukhipha inqubomgomo ye-CASCO.

Kufanele kukhunjulwe ukuthi ibhange linganikeza obolekayo ukuthi akhokhe imali yomshwalense esikhwameni sakho noma esikhwameni sesikweletu.

Esimweni sesibili, inani lemalimboleko liyakhuphuka. Lokhu kuholela uku ukukhulaIzinkomba eziyinhloko - isikweletu esiyinhloko, futhi inkokhelo yanyanga zonke... Ngokwemvelo, lapho izindleko zenqubomgomo zifakiwe enanini lemalimboleko inani lokukhokha ngokweqile kuyanda ↑.

Isici esibalulekile sokukhetha uhlelo lokubala imalimboleko yemoto yindlela yokukhokha.

Kunezinketho ezi-2 zokubuyiselwa kwemali mboleko:

Inketho 1. Izinkokhelo zempesheniezingaguquki kuso sonke isikhathi sokuvuthwa;

Inketho 2. Izinkokhelo ezihlukanisiwe yehla kancane kancane ngesikhathi sesivumelwano semalimboleko yemoto.

Ungakhohlwa ngenye ipharamitha ebalulekile ethinta inani lokukhokha ngokweqile. Ngokwesiko kufaka amakhomishini ahlukahlukene ababolekisi.

Amakhomishini angaba yizinhlobo ezimbili:

1. okukodwa - izinkokhelo zokubhekelelwa kwesicelo, ukuvula i-akhawunti, ukubhaliswa kanye nokukhishwa kwemali mboleko;
2. njalo ngenyanga - Imali yokugcina i-akhawunti ivulelwe ukukhokhwa kwemali mboleko, izaziso ze-SMS, imali efakwa kanye nokunye.

Umbuzo 2. Imiphi imibhalo edingekayo yemalimboleko yemoto?

Lapho kubhekwa ukusetshenziswa kwalowo obolekayo, ongoti bamabhange bahlaziya imininingwane ngaye ukuthola ukuthi ungubani izinga ukwethembeka futhi solvency.

Lapho wenza iphakethe lamadokhumenti lokufaka isicelo semalimboleko yemoto, kufanele uhlaziye uhlu lwabo ngokucophelela ethize isikhungo sezikweletu.

Kumabhange ahlukene, ukwakheka kwephakeji lemibhalo kwehluka kakhulu komunye nomunye. Abanye ababolekisi banezidingo ezibanzi zababolekisi babo, kanti kwabanye imibhalo embalwa yanele ukuqoqa imininingwane edingekayo mayelana nekhasimende elingaba khona.

Kubalulekile ukwazi! Enye yezindlela ezibaluleke kakhulu ezinquma ukwakheka kwephakeji lemibhalo isimo esisemthethweni salowo obolekayo esikhathini esizayo... Kungokwemvelo ukuthi for ngokomzimba futhi zomthetho abantu uhlu lwabo luhlukile.

Ezinye izinhlangano zezikweletu zinikeza izakhamizi ukuthi zithole imalimboleko yemoto zisebenzisa amadokhumende ama-2 kuphela:

Umbhalo 1. Okuyinhloko - ipasipoti;

Umbhalo 2. Kukhethwe ohlwini olunikezwa yibhange. Imvamisa kufaka phakathi ipasipoti yomhlaba wonke, ilayisense yomshayeli, Isitifiketi se-SNILS kanye neminye imibhalo.

Ababoleki kufanele baqonde ukuthi isethi yamadokhumende ubuncane ngokwesiko ihambisana nokwenyuka kwenzalo yemalimboleko yemoto.

Kuzinhlelo ezijwayelekile zokuthola imalimboleko yokuthengwa kwemoto ngabantu, uhlu lwamadokhumende luzoba kanjena:

• isitatimende ukuthola imalimboleko yemoto;
• ipasipoti;
• ikhophi yencwadi yomsebenzi, kuqinisekiswe ngumqashi, ngenothi ukuthi lowo obolekayo ongase abe ngumsebenzi usengowenkampani;
• isitifiketi somholo 2-NDFL noma ngendlela yebhange;
• ilayisense yomshayeli;
• i-ID yezempi eyabantu abasha.

Osomabhizinisi ngabanye bahambisa le mibhalo elandelayo esikhungweni sezikweletu:

1. umazisi (ipasipoti, ilayisense yokushayela, i-ID yezempi);
2. isimemezelo semali engenayo;
3. isitifiketi sokubhaliswa njengosomabhizinisi ngamunye;
4. isitifiketi sokubhaliswa neziphathimandla zentela.

Egameni lenhlangano, abanikazi bayo (abasunguli) banelungelo lokufaka isicelo semalimboleko yemoto. Bazodinga ngokwengeziwe ukwethula:

• ikhophi yomthetho-sisekelo;
• ikhophi lamanye amadokhumenti ekusungulweni nasekubhalisweni kwenkampani;
• ikhophi yentela.

Onke amakhophi amadokhumende afakwe ebhange kufanele aqinisekiswe ngokufanele.

Umbuzo 3. Ungalinciphisa kanjani inzalo uma ufaka isicelo semalimboleko yemoto?

Akuwona wonke umuntu owaziyo ukuthi kunezindlela zangempela zokwehlisa izinga kwimalimboleko yemoto. Akufanele ungabaze ngalolu daba, ngoba noma ukwehla okungabalulekile kwenzalo kunganciphisa kakhulu ukukhokha ngokweqile.

Ngezansi kukhona 4 izincomo zochwepheshelokho kuzonciphisa izinga.

Isincomo 1. Faka isicelo seCASCO

Imibandela yokubolekwa kwezimoto emabhange amaningi ibeka ukuthi ukukhishwa komshwalense we-CASCO kungokuzithandela. Ngasikhathi sinye, ukungafuni ukuyithenga kungaholela ekwenyukeni kwezinga lenzalo.

Ngokwemvelo, inqubomgomo izokhokhwa. ngakho-ke kubalulekile yenza ukuhlaziywa okuphelele kokukhokhwa ngokweqile esimweni seCASCO nangaphandle kwayo Kufanele ukhethe inketho eshibhile.

Isincomo 2. Hlola ukukhushulwa nokunikezwa

Ngezikhathi ezithile, amabhange athuthukisa ukunikezwa okuhlukile okuhlukile ukuze ahehe amakhasimende. Zingaba namanani aphansi, imigomo ekhangayo nezinye izinzuzo.

Isincomo 3. Sebenzisa isibambiso esingeziwe

Ukunikezwa kokuphepha okungeziwe - izibambiso, isibambiso kanti enye ivumela ibhange ukuthi lehlise kakhulu ↓ izingozi elizithathayo ngokuboleka imali.

Kuyafaneleka ukucatshangelwa! Uma kwehla amathuba okuthi umbolekisi angayibuyisi imali, inzalo ibhange elizoyibeka kwimalimboleko iyehla.

Ezinye izikhungo ezibolekisa ngemali zikhipha izimali eziphikisana nokuphepha kwemoto etholakalayo. Sibhale ukuthi ungayithola kanjani futhi kuphi imali ebolekwe yimoto kwesinye sezihloko zethu zangaphambilini.

Isincomo 4. Nikela ngangokunokwenzeka njengokukhokha phansi

Kubalulekile ukukhetha imoto oyothenga ngesikweletu, izindleko zayo ezokuvumela ukuthi ukhokhe imali enkulu impela.

Ungakhohlwa! Izinga lincike enanini lemali edluliselwe ukukhokhela imoto ngaphambi kokuthola imali mboleko. Ngokuvamile amaphesenti amancane amabhange avezwa obala ngokukhokha kokuqala okungaba ngu-50% wezindleko zemoto.

Ngakho-ke, kungenzeka ukunciphisa ukukhokhiswa ngokweqile kwemali mboleko yemoto. Into esemqoka ukutadisha ngokucophelela izeluleko zochwepheshe zokwenza lokhu.

Namuhla kungenzeka ukuthi ube ngumnikazi wemoto, noma ngabe ayikho imali yokuyithenga. Kwanele ukuthola imali mboleko yemoto. Lapho ugcwalisa isicelo semalimboleko enjalo online, akuthathi isikhathi esiningi nomzamo.

Ekuphetheni, sincoma ukuthi ubuke ividiyo ngalokho okudingayo ukuze uthole imali mboleko yemoto:

Umbuzo wabafundi!

Yikuphi kokukhetha ukuthenga imoto okungcono - ukuthenga imoto ngemali, ukuthola imali mboleko yemoto noma ukufaka isicelo sokuqashiswa kwemoto?

Konke lokho okwethu. Ithimba lomagazini "RichPro.ru" likufisela ukutholakala okuphumelelayo nemalimboleko yemoto enenzuzo!

Silinde izimpendulo zemibuzo, imibono, impendulo namazwi ngesihloko sendatshana. Linganisa bese wabelana emithonjeni yezokuxhumana. Kuze kube yisikhathi esilandelayo!

Bukela ividiyo: Michael Dalcoe - What is Your Net Worth? - Michael Dalcoe (Julayi 2024).