Ezazakhiwe Auto. Yintoni ezazakhiwe imoto kumntu ngamnye?

Kwimeko apho akunakwenzeka ukuba athenge imoto ngoko nangoko imali, abantu kufuneka sijonge ezinye iindlela ukuze kufikelelwe ezinqwenelekayo. Kutshanje ngokuya scheme lokuthenga ukuthandwa weSauwu imoto.

Kangangethuba elide ithuba ukusebenzisa isivumelwano sengqesho ekho kuphela amaqumrhu asemthethweni. Ukuza kuthi ga ngoku, le iyindlela ukuthenga umatshini uba wokwenene kwabantu.

Ngaphambili, ngabemi ngokukhawuleza ukufumana kwi kulahlwe isithuthi, kuphela ngokuthenga okanye ukuqasha ngayo. Ngoku wonke umntu ufuna ukuba ithuba lokuba athenge imoto ngetyala okanye ingqesho. Umahluko kuphela kukuba xa isivumelwano semali-mboleko umntu usebenzisa eyakhe isithuthi sakhe, yaye xa kwekhontrakthi yoqeshiso - isithuthi eqeshiweyo evela kwinkampani-umqeshi.

Yintoni ezazakhiwe imoto kumntu ngamnye?

Makhe sijonge lo mba ngokucacileyo ngaphezulu. Ukuze uqonde into yokuqesha imoto ukuba abantu kufuneka ujonge le mithetho. № Federal Umthetho 194 "On Irenti Financial (Leasing)" inikeza le nkcazo ilandelayo: ukuba icebo phantsi apho umqeshisi uthembisa ukuba zibe lilifa labo ingakhankanywanga umqeshi (kulo mzekelo imoto) e umthengisi zabo abanyulwa kwaye elinika kakhulu impahla ekuwo nokusetyenziswa ngentlawulo ekuvunyelwene ngaphambili kunye nelungelo lokuthenga. Kwisivumelwano kunokwenzeka ukubonisa ukuba ezikhethiweyo umthengisi kunye nempahla ethengiweyo ibe kwenziwa umqeshisi.

Ngenxa yoko, isivumelwano kokuqeshisa i zontathu. Kodwa ke abo baphambili, phakathi apho kukho ubudlelwane bexesha elide kuyo ke umqeshi kunye umqeshiswa. Ngaphambili, isivumelwano eso ethandwa amaqumrhu asemthethweni kwaye ngamnye osomashishini belisebenzisa usiqeqeshela okusilungeleyo ngexesha isithuthi irente. Ngoku kuye lula ukuyisebenzisa yaye abantu ngabanye.

Izinto eziluncedo uqashile ukuba abantu

Ukuthenga kokuqeshisa imoto abantu ezinxulumene kwiqela lokulungileyo kuthelekiswa nezinye iintlobo zithengwe intlawulo kuhlehliselwe. Phakathi kwezinto eziphambili ezintle zilandelayo:

• abathembekileyo ngaphezu loans imoto, iimfuno mboleki, ngokufuthi imbali yeentengo zemboleko khangelwa;
• sobhaliso kufuna iphakheji isezantsi yamaxwebhu;
• indlela uhlolo isithuthi, i-inshorensi yayo, ubhaliso ujongene umqeshisi (kubandakanywa bears iindleko ezinxulumene);
• Iinkampani ezazakhiwe awunamdla kwimbali samatyala umqeshi;
• abalawulwa ukuba iimeko zemboleko, kuquka ukukwazi ukufumana ukulibaziseka intlawulo okanye ukwandisa isivumelwano xa kukho imfuneko;
• ithuba nangaliphi na ixesha lokuba abashiye imoto.

Bendlela Ukuthenga kokuqeshisa imoto

Ukongeza iingenelo ukuthenga kokuqeshisa imoto, kukho okungalunganga zohlelo enjalo. Kwaye ke lobubi kokuqeshisa abantu abanomdla imoto edla okuninzi. Ngapha koko, wonke umntu ufuna ukwazi ukuba yintoni nemigibe inokuba basilindele zidizayinwe wo yingisela. Le ilandelayo kunganxulunyaniswa iintsilelo isivumelwano:

1. Individual akanayo imoto, kodwa uthi kuphela proxy. Lo matshini, kule meko woba umqeshisi.
2. Umntu oye kwi sengqesho imoto akanako nangayiphi na indlela ukutshintsha nantoni na isithuthi, ukuyisebenzisa kwi-100%. Inkampani-umqeshi phantsi kwesivumelwano lithintela ukusetyenziswa njengendlela ngesibambiso naliphi na inyathelo, ezifana ukupeyinta, eyiyeka phesheya njalo njalo. Ukongeza, umqeshi iza kuhlola ngokwezi hlandlo kubonakala kuyimfuneko ukuze zihlolwe imoto kwi-ofisi umnini wayo, kwakunye nokulungelelanisa zonke inyathelo zicwangcisiwe ngokuchasene umatshini.
3. Xa ingozi okanye ukuba uneengxaki lokuqhuba inkampani-umqeshi unelungelo ukuwisa izohlwayo.

Kubonakala ukuba kwezinye iimeko, ukuba uthathe imoto ukuze kwamkelwe ukuze athenge kokuqeshisa imoto, ukuze abantu.

Iimfuno ukuba umqashi

Kukho inani iimfuno ukuba umqeshi, leyo ziboniswa phantse zonke iinkampani ngokubonelela ingqesho imoto kubantu:

• sokubhalisa, kufuneka ube isivumelwano mvume lokuqhuba;
• imfuneko sobumi Russian kunye nokubhaliswa;
• kufuneka indawo esisigxina yomsebenzi nobude inkonzo, ngokulandelelana, kunye ingeniso ezinzile;
• ubudala ukhetha umntu - iminyaka 20-60.

Imfuneko elula nangokwesivumelwano eso sokuqeshiselana iya kuba kukubonelela yokundwendwela ukuba ngummi Russian Federation kunye mvume lokuqhuba. Certificate of imali esisigxina kusengqiqweni, ekubeni umqeshisi kufuneka baqinisekise ukuba baya kufumana isixa ngenxa. Kodwa ke yokugqibela inshorensi ngokuchasene non-intlawulo isibakala sokuba ipropati bobabo kuye ngokupheleleyo, de le ndawo yokugqibela. Ngoko ke, ukuba iintlawulo ziya kuyeka ukwenza, imoto ziya kubuyiselwa umqeshisi, zize zihlawulwe phambi kokuba imali iza kubalelwa phantsi isivumelwano beyinikwa njengentlawulo irente.

Ngokwemiqathango yesivumelwano

Kuxhomekeka inkampani, awanyakazela ngayo intsebenziswano, iimeko apho ngemvumelwano zengqeshiso imoto nomntu ungahluka. Noko ke, kukho inani lwezinto mazibalwe ngawo onke amaxesha.

Inkqubo lokuhlawula

Enye izihloko kubalulekile ukuba wonke umntu unomdla kwisivumelwano kokuqeshisa ke, lo umyalelo sentlawulo ngokwemiqathango intlawulo. Zonke iishedyuli kunye ngokwemiqathango emiselwe yinkampani kokuqeshisa siyazilayita, yaye ke yena isigqibo uya kuba yintoni na imiqathango zokuqasha abantu kwi imoto.

Amaninzi, ixesha ukuthenga umatshini unikwa kwiminyaka emibini ukuya emihlanu. Ngokuqhelekileyo, ixesha elide ixesha, inowuthi intlawulo yenyanga. Amaqela avumelene phezu kweeshedyuli ngethuba apho umqeshiswa unyanzelekile ukuba ahlawule isixa-mali esilindelweyo.

Kwakhona kule mvumelwano yabonisa amathuba ngentlawulelo yokuqala imoto. Loo nkqubo iza kunceda ukuba wonge imali. Care kufuneka asetyenziswe xa ungena amaxwebhu: ngokuqhelekileyo ibonisa umqeshi izohlwayo ekuwo ukuphelelwa ekuqaleni.

lizibeke

Xa isivumelwano ubeka imali othengwayo, nto leyo ziyahluka ukusuka-0% ukuya kwi-50%. Ukwenza intlawulo enjalo kuluncedo ngenxa yokuba umqeshi uya kwenza isixa esikhulu kwangaphambili, i ngaphantsi kamva kuya kufuneka ukuba uzihlawule nyanga nganye. Ubuncinane lizibeke luyingenelo abo imali encinane ukuba athenge imoto.

Ukongeza kule miba ingentla apha, kukho ezinye ezibalulekileyo ngokwemigaqo yesivumelwano ;

• inkqubo okufumana kumatshini;
• kuya kuthi nje uhlolo imoto, ishedyuli yesondlo ikhankanya;
• izohlwayo ukungaphumeleli ukuthobela imiqathango yesivumelwano;
• iyalele i-inshorensi imoto.

Phambi ukuthatha imoto kwakhona kokuqeshisa, abantu kufuneka siqwalasele ngenyameko imiqathango yesivumelwano. Kwimeko yokuba babengavumelani ezithile ze uxwebhu kufuneka baxoxe ngazo ngqo.

Ukukhetha umqeshisi

Kuyimfuneko ukuba bagcine ezithile izilumkiso xa ekhetha inkampani akwzi weSauwu imoto. Kubalulekile ukuthatha indlela onoxanduva uhlolo inkampani, apho kuya kubakho isivumelwano.

Le umqeshi unelungelo ukuya ekuthembekeni ethile kunye nomsebenzi kwimarike kangangexesha elithile. Ukuba inkampani yinxalenye zilime elikhulu, ngayo inzuzo.

umbutho ezinokuthenjwa inoluhlu lwezinto ezinye iinkampani kumthengisi ngayo iyasebenza. kufuneka kwakhona ukunika iinkonzo ingqesho ukuze abantu babe amaxabiso iinkonzo zabo kwicandelo likarhulumente.

Ukuze uqonde ukuba le dili kuluncedo, kubalulekile nje ukwazi ukuba imoto ingqesho abantu, kodwa kwakhona ukukhetha ilungelo umqeshisi ngayo. Ukulungiselela le njongo kufuneka ukuba baqokelele imali ubuninzi ulwazi malunga neenkampani ezinika le nkonzo.

Car ingqesho e Minsk abantu inika ubutyebi wemibutho. Njani ukuba ngokuphosakeleyo kunye ukhetho, musa kukhubeka kubuxoki? Yintoni ufune?

Kukho imithetho embalwa ukunceda wena ukhethe i umqeshi ethembekileyo:

1. Amava Le nkampani sinokutshintshwa kulinganiswa ku kudala kangakanani ezivenkileni. Yile xesha ibonisa into yokuba umqeshi eli ke linokuthenjwa ngokwaneleyo yaye akukho mveliso ngosuku olunye.
2. Ubukho buyizalisile website lombutho luphawu yobuzaza. Ngoko kuyimfuneko ukuba ukuhlolisisa resource ngenyameko. Kunqweneleka ukuba kukho kuphela inkcazelo malunga umbutho, kodwa kwakhona amanqaku luncedo ngalo mbandela, ubalo yokuqala sokubala.
3. Kubalulekile ukujonga abafowunelwa unxibelelwano kunye umqeshisi. Kunqweneleka ukuba bakwazi uthethwano iwotshi. Kwixesha elizayo, kuya kuba luncedo kakhulu xa kuthe kwiimeko ezingaqhelekanga.
4. De kube sekuphelisweni isivumelwano umqeshiswa liya kubonelela zonke iinkcukacha eziyimfuneko (umzekelo, ishedyuli sentlawulo), ukuchaza onke amathuba engaqhelekanga. Kunyanzelekile ukuba kufuneka uxelele abathengi malunga nenkonzo imoto ziya kwenziwa phi kwaye phantsi kweemeko ntoni.
5. Khetha umyalelo wakho yenkampani-umqeshi, umthengi kufuneka ahlole nokubuyekezwa ngayo kwi Internet. Kodwa musa sikholelwe ngamnye wabo. Amaxesha amaninzi ubhale lohlolo umyalelo lombutho okanye kontanga yayo. Ngokuqhelekileyo uluvo eyinyaniso abhalwe ngolwimi olulula, ngaphandle kubuqhetseba, kunye inkcazelo ethile le meko.

izigaba processing

Le nkqubo, njengoko apho ubhaliso tar ezimotweni ngabanye, ngokuqhelekileyo kubandakanya le manyathelo alandelayo:

1. Uyaphi nokukhetha imoto.
2. Komnikazi uya kungenisa isicelo kwinkampani umqeshi lowo. Kulo mzekelo, isicelo mayingeniswe iinkampani eziliqela.
3. Iinkampani banikela abasabela ngayo isicelo nendlela ekubalwa ngayo iindleko kunye neshedyuli intlawulo. Oko kukuthi, yenza nesiphakamiso sokuba sisihlandlo ethile. Umqeshiswa kweli nqanaba na ukhetho kwamaxabiso kunye ngokoMthetho ezifundiswayo.
4. Xa ufumana sigqibo i ukutyelelwa komntu-ofisi kwinkampani yingisela.
5. I-ofisi lilawula yonke okukhulayo, ishedyuli sentlawulo ophela ukhetho uzilungiselele kunye nemali kweentlawulo.
6. Hlawula kwangaphambili. Cash idluliselwa nomthengisi.
7. Lo matshini lwenziwe kwipropati yenkampani tar mazigqithiselwe ukusetyenziswa kumntu.

nokuba kwakhona kokuqeshisa imoto kuyanceda ukuba abantu?

Ukuthengwa koomatshini e tar kotaka lula kubemi, owathi ngenxa yezizathu ezahlukeneyo andifuni ukubonakala kumaxwebhu ezahlukeneyo njengoko umnini wesithuthi. Izizathu oku kube eziliqela. Umzekelo, ukuba kuyahlula ekuqhawulweni komtshato okanye ngenjongo ekufihleni impahla ezivela bailiffs.

Iinkampani ezininzi ezazakhiwe ngokubambisana ezibizayo zokuzilungisa kwiintengiso bezithuthi. Ezi zokuzilungisa zinika abaxhasi bazo ngezaphulelo ezimnandi kunye neebhonasi.

Ukuba ubani uza kufumana kweli kokuqeshisa emotweni, sele isetyenziswa, kwaye apha kukho ezithile ezikhethekileyo. Kakade ke, olu hlobo moto ayibizi kakhulu yaye xa wayeneminyaka engama-ukuxhatshazwa ingadluli kwiminyaka 5-7. Wonke umsebenzi wolondolozo, njengoko kunjalo iimoto ezintsha, lwagcinwa lusebenza ngendleko umqeshisi. Kwaye kule kukho plus enkulu, njengoko umqeshi akanyanzelekanga ukuba ningaxhaleli ukuba nothetha ngakuphi na indawo oku okanye iinkcukacha.

Ngenxa yeendleko eziphezulu imithwalo imoto kokuqeshisa abantu ukuba babhalise kuluncedo kakhulu.

ezazakhiwe lula kunye nabo owoyamaniswe ukutshintsha rhoqo iimoto. Ekupheleni iintlawulo ezikhoyo phantsi kwesivumelwano sengqesho njengoko umatshini sinokuhlala kwi ubunini obupheleleyo umqeshisi, kwaye zingena ubunini umqeshi. isivumelwano sokuqesha, njengoko kuchasene kwisivumelwano lwamatyala kupheliswe ngokukhawuleza kwaye kube lula kakhulu. Ummi izuza ukukwazi ukutshintsha iimoto rhoqo ngaphandle ixesha efunekayo zokuthengiswa.

Emva kokuqwalasela ngenyameko yintoni na kokuqeshisa imoto ngabantu yaye ziziphi iimpawu zayo, umele kwizigqibo ngokwakhe. Eyona ndlela iluncedo ukuthenga umatshini ixhomekeke kwi imeko ethile esizithandayo le nkonzo. Ngaphezu koko, umntu uyakwazi ukubona izinto eziluncedo nezingeloncedo eli cebo, leyo ibonakala imeko yakhe. Kubonakala ukuba isigqibo ukukhupha BEE okanye ukuba akwenze, kuba wena umthengi. Phawula enye into: ubukho zindlela ukuthenga imoto ndayihlangula abaninzi, yaye ngaphezu kanye.