Phi na indlela yokufumana imali-mboleko yemoto emotweni?

Asingabo bonke ufuna ukuthenga imoto ngokukhawuleza ukufumana imali yokuhlawulela ukuthenga. Ngoko ke, mboleko imoto namhlanje ngendlela ethandwa kakhulu nefikelelekayo uthenge imoto yakho.

Ziziphi iimpawu mboleko auto

Car Loan-mboleko ethagetha yokuthenga imoto. Ukufumana imali-mboleko imoto kwi ibhange, phantsi kwelungiselelo elithi imoto iya kuba isiqinisekiso ebhankini. Ngenxa yesi sizathu, ibhanki kunciphisa ingozi kwaye kuthatha umdla ngaphantsi kwi-mboleko.

Ngokuqhelekileyo, izinga lenzala kwi mboleko imoto ingaphantsi kwe-mboleko ngemali. Kodwa kwimeko lokungahlawulwa kwemali-mboleko imoto yayibanjwe yibhanki ithengiselwe ukuyibuyisa le mali uyibolekiweyo.

Amaninzi, ibhanki kufuna uboleke imali ukuba inshorensi imoto kwinkqubo Hull. Kwimeko lobusela okanye umonakalo emotweni ngexesha ngozi ibhanki ziya kufumana i-inshorensi. umnini imoto kufuneka bahlaziye inshorensi minyaka yonke, kungenjalo ibhanki iya kusebenza izohlwayo ukuya mboleki.

Ekuvuthweni autocredit ipaspoti kwi umatshini kufuneka ebhankini. Ukuba kuyimfuneko kuni aba, ngoko ke kufuneka uqhagamshelane ibhanki kwaye isigqibo naye umbuzo njani kunokwenzeka ukuba xa abuye.

Ndingalufumana phi imali-mboleko imoto?

ERashiya, iibhanki ezininzi ezahlukeneyo. Kodwa emva 2014, inani elikhulu zamaziko zemali kunye namatyala wayeka ukukhutshwa mboleko yokuthenga iimoto, zokubatshintsha ngabanye mboleko yabathengi kunye neemeko lula.

Ungase uphawule ukuba ezimbalwa amaziko zebhanki rated idini ekujoliswe mboleko ngo-2017. Kwiimeko ezininzi, inzala kwimali ebiyiboleka imoto ziyafana for mboleko yabathengi. Nakuba ngaphambili umahluko kwakunzima ebambekayo.

Igama lebhanki	% Ngamnye ngonyaka	Imali mboleko, RUR	ukukhupha ixesha	Ndingayilindela kowuphi imishini		Indlela elide	intlawulo Down,% yexabiso imoto
				entsha	B / y
"East Bank"	19	100 lamawaka. Thambisani. - million 10 engange	Ukususela kwiminyaka 1 ukuya 5	+	+	kanye	-
"Nokssbank"	12	100 lamawaka. Thambisani. - million 10 engange	Ukususela kwiminyaka emi-3 ukuya kwi-10	+	+	Malunga neveki enye	-
"Alfa-Bank"	12.5	100 lamawaka. Thambisani. - engange million 5.6	Ukususela kwiminyaka 1 ukuya kwiBakala 6	+	+		10
"VTB 24"	17.9	amawaka 150. Thambisani. - engange million 1	Ukususela kwiminyaka 1 ukuya ku-7	+	+		20
"Raiffeisenbank"	6,4-14	50 amawaka. Thambisani. - engange 3 million	Ukususela kwiminyaka 1 ukuya 5	+	+	Phakathi kosuku olunye lokusebenza	15 ukuya 40
"Bank Agricultural"	17.5	Ukuya kwizigidi 3 engange	Ukuya kutsho kwiminyaka 5	+	+	ngemihla ukuya ku-4	15
yebhanki yokonga	11.5	Ukuze Hlikihla 10 million	Iminyaka 6	+	+		-

Inikela iimeko ezininzi enomtsalane "Nokssbank". Kodwa uyakwazi ukufumana imali-mboleko imoto kwi ibhanki kuphela kubahlali kummandla Volgograd.

"Alfa-Bank" inika kwemiqathango yokubolekisa ngokwanelisayo nomtsalane. Unako akwavuma CASCO. Ukuba musa ehlawulwa yibhanki, ngoko ke uya kufumana imali-mboleko imoto kwi zinga 15.5%.

Iimeko "VTB 24" yeyona elungeleleneyo kwi iirhafu kunye neemfuno obolekayo. Kodwa ebhankini kufuneka uhlawule isavenge yokuqala ka-20% yeendleko zizonke othenge imoto.

mboleko Car evela "Raiffeisenbank" ezilungele kubaboleki komvuzo ophezulu, abahlala kwizixeko ezikhulu eRashiya.

Ukuthetha ngendlela yokufumana imali-mboleko imoto kwi-Savings Bank, kufuneka kuqatshelwe kwakhona iimeko ncam ezifanelekileyo ebhankini. Umlinganiselo wenzala yenye lisezantsi. Fumana adunyiswe endle phantse wonke ummi Russian.

Ukuba ufumana umvuzo wakho Savings Bank, isigqibo lokukhupha mboleko ibhanki iya kwenza iiyure ezi-2. Ukuba umxhasi unalo ithuba lokuba enze intlawulo yokuqala ye-30% yeendleko emotweni, ibhanki iya kufuna isatifikethi yengeniso, ikopi yabasebenzi kunye nobukho guarantors.

Enye inzuzo enkulu auto mboleko Sberbank kukuba isixa-inshorensi CASCO nga ziqukiwe kwimali-mboleko.

Inika ithuba ukufumana imali-mboleko imoto kungekho phantsi intlawulo "East Bank", "Nokssbank" kunye Sberbank.

Ukuba ugqiba ukuba bafumane ikhredithi ekujoliswe kulo ukuthengwa kwezithuthi basekhaya, ngoko loo ukuthenga ezinikwe inkxaso karhulumente, nto leyo eyingenelo kakhulu mboleki.

Indlela ukufumana imali-mboleko imoto?

Ukufumana imali-mboleko ukuba imoto kuquka la manyathelo alandelayo:

• ukubhala ukulungiswa kunye ekuqulunqeni isicelo semali-mboleko;
• ukufakwa ngesigqibo yebhanki ukunika imali-mboleko lodibaniso lwemali;
• Ukukhetha imoto kule ndlwana, ukusayinwa lesivumelwano ukuthengisa, ukwenza intlawulo yokuqala (ukuba kubonelelwe);
• nokusayinwa sivumelwano semali-mboleko;
• CASCO nokubhaliswa-inshorensi;
• intlawulo yeendleko ngaseludinini imoto imoto umthengisi;

Emva koko, lo ummi uyakwazi ukufumana imoto uze ubambe yokubhaliswa.

Phambi kokuba ukufumana imali-mboleko yemoto, kufuneka ufumane ibhanki uluhlu epheleleyo yamaxwebhu. amaziko ezemali kunye ngetyala angacela ingcaciso eyongezelelweyo okanye kwephepha.

into ebaluleke

mboleko Car ingakhutshwa kwindawo yokuqala ebhankini. Lwalo sesibini showroom, apho zibekwa kwi-ofisi apho elunxwemeni lomlambo.

Ukuze isigqibo ukufumana imali-mboleko imoto ukuba umboleki. Kubalulekile ukufumana iimeko apho ngetyala apho ibhanki ngokobuqu ngokuba uya kuba inzuzo kakhulu lula. Qaphela ukuba ukwenza ukuthenga ngokwentshukumisa, ukuthatha ngetyala kule ndlwana. Le pesenti ibe ngaphezulu apho kunokuba kwisebe ebhankini.

lobubi mboleko zemoto

Car Loan limisela izibophelelo ezithile umboleki kwaye ecaleni layo ezimbi:

• imoto Pretty strong ibiza ngaphezu ukuthenga ngayo imali.
• Kufuneka ukuba uhlawule malini nyanga nganye. Ngaphambi kokuba ufumane imali-mboleko, kufuneka ubale izakhono zabo zemali.
• Phambi ukuhlawula imali-mboleko isiqinisekiso yebhanki umatshini ungathengisi okanye unikezele kunokwenzeka kuphela ngemvume ebhankini.
• Ngokuqhelekileyo, xa sukuba usenza mboleko imoto kusoloko kufuna intlawulo CASCO inshorensi, nto leyo kakhulu isixa esikhulu. Amaninzi, inkampani ye-inshorensi ekhethwe ebhankini, yaye isixa-inshorensi inokuba ngaphezu kwezinye iinkampani ze-inshorensi.
• Ukuba imoto wangena ingozi, imali ehlawulwa inshorensi iya ebhankini, silungise le moto le mali ayisayi kuba kunokwenzeka umnini.

Iimfuneko mboleki

yebhanki nganye yenza iimeko zayo mboleko. Kodwa ngokuqhelekileyo ungenza uthathe imoto nezi mfuno zilandelayo:

• umboleki unalo ilungelo lokuba ngabemi kulo Russian Federation;
• ungummi ubudala, ukufumana imali-mboleko imoto kufuneka kwisithuba seminyaka 23-65;
• amava omsebenzi kwintsimi Russian kangangexesha elithile.

Ukongeza, amaziko zemboleko kufuneka ukubiza amanani ezininzi zefowuni (umsebenzi,, inombolo yefowuni eziqhelekileyo buqu).

Indlela ukufumana imali-mboleko ukuze imoto kunye mileage?

cars Used zitshiphu ezintsha kunye nemeko apho kuba kubi akukho ngaphezu entsha. Cinga ngendlela yokufumana imali-mboleko yemoto emotweni mileage.

Iibhanki ngokubanzi ebonisa iimeko ilandelayo iimoto kusetyenziswa:

parameters	Kwizithuthi angaphandle	Iimoto yasekhaya
yobudala	Hayi iminyaka engaphezu kwama-10	Hayi iminyaka engaphezu kwama-5
imali onokuthenga ngayo ngetyala	Iibhanki ngokuqhelekileyo kwi mali ka-500 lamawaka. Bagcobe. ukuya ku 1.5 million engange	Ngokufanayo
ubunzima machine	iitoni Ukuya ku-3.5	Ngokufanayo
mileage	Ukuya ku-100 amawaka Km.	Ukuya ku-50 amawaka Km.

Ukwenza umgaqo-inshorensi CASCO kukho unxibelelwano.

I-mboleko umboleki ukuze b / a imoto kufuneka ukuhlangabezana neemfuno ezithile:

• abe ngaphezu kweminyaka engama- 21;
• babe ubude iyonke inkonzo ngaphezu konyaka omnye ikhalenda;
• amava emsebenzini ngalo mzuzu okuququzelela ngaphezulu kweenyanga ezintandathu, kunye ezinye ibhanki kufuneka iinyanga 3-4 ngokwaneleyo;
• ube ngummi eRashiya yaye wahlala kwisixeko apho uzoba mboleko imoto;
• abe imbali entle ngetyala.

Credit iimoto kulula ukufumana abaqhubi abaye amava uqhuba. Eyenziwayo, iibhanki akhuphe loo mboleko ulutsha kunye nabantu yobudala yomhlala-phantsi.

Credit njengendlela entsha, naphezu b / a imoto uyakwazi ukufumana kwi-ofisi ebhankini okanye kwi showroom. Kubaluleke kakhulu buyanceda ukwenza njalo ebhankini ngalo apho ufumana umvuzo. Ngokomzekelo, abemi kunye amakhadi yepeyiroli kwi "Alpha-Bank" amkele autocredit phantsi 12.5%, nangokwemimiselo ngokubanzi umlinganiselo iya kuba-16%.

Inkqubo yokufumana imali-mboleko ukuze b / a Car

Ukuze ufumane i-mboleko imoto for imoto ezisetyenzisiweyo, kufuneka uye ngokusebenzisa indlela elandelayo.

Khetha iziko lamatyala, thelekisa yintengiso kweebhanki ezahlukeneyo, iinkqubo zazo, inzala kunye ngokwemiqathango ukuboleka. Xa ndicinga ngendlela yokufumana imali-mboleko yemoto, kuyimfuneko ukucacisa ukuba kukho imbonakaliso wayethanda ibhanki kwingingqi yakho. Kuqala kufuneka inikwe iibhanki kunye lwenzeka igama elihle.

Isicelo kunokwenzeka kutyelelo zobuqu ibhanki okanye nge-intanethi.

Kufuneka ube maxwebhu alandelayo:

• ipaspoti;
• Ingcaciso ingeniso evela emsebenzini;
• iphepha-mvume lokuqhuba;
• ikopi yale ncwadi yomsebenzi.

Ngaphezu koko, ibhanki liqwalasela isicelo. Emva kokuba isicelo samkelwe umboleki, ukuba kuyimfuneko, ukunika isithuba seenyanga-1 ukuya ku-3 search kwisithuthi.

Emva koko wakhupha isivumelwano zentengiso kunye umthengisi imoto. Kwakhona efunekayo kukuba uyilo-ntloko. Oku kwandisa isixa iintlawulo yebhanki yomboleki.

Intlawulo yokuqala ikhutshelwa-akhawunti yebhanki apho imali idluliselwa ezithengiswa. Ubukhulu avareji intlawulo umenzi-20% yexabiso lentengo.

Nge ingqalelo ekhethekileyo kufuneka uye nokubhaliswa kwesivumelwano sentengo yemboleko. uxwebhu esayiniweyo kufuneka kuvelelwe nezinye iinkalo ezizakuxhasa ngokupheleleyo. Kuyimfuneko ukuqaphela ezi bokuqonda zilandelayo:

• Ixabiso lokugqibela izinga lenzala. Kuyenzeka ukuba umntu zipapashwe, kodwa eneneni ukunika kakhulu.
• Ubukho iintlawulo Imali imicimbi yemali (nezaziwa efihliweyo).
• Cebo liphi na endingalikhetha zenziwa-mboleko.

Xa wafumana mboleko imoto kwi imoto lonkcenkceshelo, siye kuphela ukuba ibhaliswe amapolisa endlela. Emva koko uba umnini ngokupheleleyo emotweni.

tips Good ngokuthenga elisetyenziselwa / imoto

Thenga iimoto walisebenzisa showroom. Ngoko ke uphephe uthenga umatshini ebiweyo okanye kakuhle. Ngokukodwa ekubeni bebeka badla alungiselele iintshukumo ze kuneemoto ezisetyenzisiweyo.

Ukuba imali ngokwaneleyo bengabalulekanga yentengo, mboleko imoto kungcono ukukhetha mboleko yabathengi.

Kukho kwakhona singoochwepheshe ezifana mortgage brokers. Bayazi ukuba indlela yokufumana imali-mboleko yemoto ngokwemiqathango kakuhle ngakumbi. Brokers kuya kukunceda ukuba ukhethe inkqubo mboleko kakhulu kangangoko.

Ukufumana mboleko imoto kunye nembali elibi kwicala lamatyala

Ukuba ubukhe ukuba kukho ukulibaziseka xa intlawulo ezinye iimali-mboleko, kusenokwenzeka ukuba oku kuya kuchaphazela kakubi igama lakho ngetyala.

Phambi kokuba ukufumana imali-mboleko imoto kunye nembali elibi kwicala lamatyala, kufuneka uqhagamshelane eligcina inkcazelo ngeentengo zemboleko ukuba uncedo. Ukuba ibonisa ukuba kukho ukulibaziseka, kukho imfuno engxamisekileyo ndizibuyisele kuye. Ukuba ukukhanya akunike naluphi na ulwazi olububuxoki malunga gqibekanga, kufuneka isicelo ibhanki ukusombulula umba.

Ukuphucula imbali yekhredithi, ungathatha mboleko ezininzi ezincinane, ndizibuyisele ngexesha nangokupheleleyo.

Ungenza isicelo kumaziko amancinci okanye esanda kuvulwa zemali kunye namatyala. amaziko anjalo ufuna abathengi kwaye uyavuma ukuba iimeko hayi engqongqo kakhulu umboleki.

yenye indlela isicelo semali-mboleko ukuya kumaziko microfinance, pawnshops okanye iinkampani zemali ukuba imbali yamatyala umthengi kaThixo ayibalulekanga. Kodwa kwenzala kwimibutho efana iphezulu kakhulu kunaleyo kwiibhanki.

Indlela ukuphucula igama yomboleki

Kwakhona kwandisa amathuba kokufumana imoto phambi kwembali ngetyala ngezi ndlela zilandelayo:

• ukufumana co-kuqalwe kunye elihle ngetyala;
• angenise ebhankini isatifikethi ephezulu yengeniso okanye ilifa amaxabiso eninzi;
• ukunikeza izibambiso;
• ukwenza intlawulo phantsi mali ka-50% yexabiso le moto ezithengiweyo.

Ukufumana mboleko kwi imoto nge-intanethi

Phantse wonke ibhanki inika namhlanje, isicelo semali-mboleko kwi-intanethi. Ukulungiselela le njongo, uhlobo olulodwa kufuneka ukhankanye iinkcukacha zobuqu, imali-mboleko kunye nezinye iinkcukacha.

Emva koko, ibhanki iya kukhupha uluvo lokuqala lokufumanisa ithuba lokuvunywa wena mboleko. Kodwa ukuba ngawethu ukuba ibhanki ukunika iphakheji elifunekayo amaxwebhu kokusayina isivumelwano.

Loan Car - thatha okanye hayi?

Kukho izinto ezininzi ezimbi-mboleko yemoto, kodwa kukho izinto ezintle. Kuyimfuneko ukuba ukuhlalutya ngenyameko zonke izithembiso kunokwenzeka beebhanki, iinkqubo zazo liboleke abanye; ukubala ngokugqithisileyo kunye nezinye inkcitho imithetho mboleko imoto uze uzithelekise kunye egqithisileyo kwi mboleko yabathengi elula. Kufuneka kwakhona ukuqwalasela amathuba yenkxaso karhulumente kunye nokuthengwa yeemoto zasekhaya.

Ukuze siqonde le ulwandle bokuqonda kunye neemeko mboleko yeebhanki ezahlukeneyo abangoyikiyo ukufuna uncedo wabathengi zobungcali ngetyala.

Khathalela igama lakho lokuthenga ngetyala. Ngapha koko, ukuba kubi, ngoko ukufumana imali-mboleko ukuze le moto kuya kuba nzima kakhulu.

mboleko imoto angaba ezintsha kwi kusetyenziswa / ngeemoto. imoto elisetyenzisiwe kubhetele ukuthenga kwi showroom, ngenxa yokuba nakanjani na ubusela kwaye ezaphukileyo.