Car ngongole: mbuna, mbali ndi ayamikira

Tsiku lililonse, mlingo wa moyo anthu wakhala likunena kuwonjezeka. Choncho, kuchuluka kuyenda ndi ife tonse. galimoto Private akhala unasiya kukhala apamwamba ndipo nthawi zambiri kufunikira. Apa Komabe, imatipatsa ngati chinthu simungathe aliyense. A lochuluka imeneyi kungakhale galimoto ngongole. Mbuna za zodabwitsazi asacemerwa mutu wa nkhani lero wathu.

Mawu a kupeza munthu "chitsulo kavalo" akuperekanso tsopano pafupifupi aliyense bungwe ndalama. Koma bwanji kuti tikhale otsimikiza kuti inu kutenga kwambiri zaphindu galimoto ngongole? Kuipa kupeza ndalama kapena makina yokha chingabisike zimenezi mosamala kuti mudzatha kudziwa iwo anali kokha tangoyamba kukwaniritsa kudzipereka kwake. Kupewa ukapolo, muyenera kulabadira chilichonse siteji ya kulembetsa galimoto.

upo

Choncho, mwaganiza kutenga galimoto ngongole. Mbuna kwa inu kale okonzeka pa nthawi ya upo choyamba. 90% milandu inu adzapatsidwa mwayi kuti apereke pangano ngongole kwa otchedwa galimoto malonda. Ndipo iwo amachita zonse mofulumira kwambiri ndipo molunjika mu kanyumba. Choncho, kuthamangitsa cheapness akuoneka, muli ndi mwayi amachoka pa wogulitsa pa galimoto imene ngakhale sankaoneka ngati chinthu.

Kupanga galimoto ngongole ku banki, mudzakhala kuchotseredwa impositions amenewa.

Kusainira ya mgwirizano

Tipitiriza kufufuza mbuna za ngongole galimoto. Siteji yotsatira - mtengo wa makina. Mu mtengo mtengo wa otchedwa kasinthidwe zofunika zambiri anasonyeza. Choncho, kuti tiyambepo ndi kuti tipeze ndalama zonse, kutenga nkhani zosiyanasiyana "kuwonjezera-mvu". Izi mtengo lenileni limene inu kuziganizira. Mtengo wa galimoto, anati ukukamba, mu 99% milandu, osaposa kukopa nkhani.

Kukakamiza kasitomala kugula magalimoto odula kwambiri, Mabwana ambiri amati pamaso pa lonse kuposa pafupifupi - lamulo la m'banja. Nthawi zambiri, zimenezi si zoona. Pafupifupi mfundo yokha imene antchito anganene bungwe la ndalama, ndi kukhazikitsa odana ndi kuba Alamu.

Kodi kulembetsa galimoto ngongole? Mbuna mwina mudzapeza iliyonse. Choncho musanayambe kulemba pangano, yesani mosamala tione kalata yake. Ndipo kutero si bwino kuika kalembera, koma panyumba, abata. Choncho, ukapatse ndondomeko loya wodziŵa zinthu zimenezi. Ngati chirichonse chiri chilungamo ndi mandala, ndi gombe, ndipo mu Chipinda Cowonetsera popanda funso adzapatsidwa buku la mgwirizano chitsanzo kuphunzira zambiri. Ngati inu ankakanizidwa pempho zofanana, ndikuganiza! Mwina wokongoza ali chinachake kubisala. Kaya kudzatunga galimoto ngongole ku malo oterowo? mlandu wanu.

Mitundu ngongole anatipasa

Koma ena ngongole mbuna galimoto. Galimoto ogulitsira kapena banki ndi bwino apereke?

Pa dzanja limodzi, pamene inu kupanga pangano ngongole mwachindunji mu kanyumba, umaona kusankha banki. Pezani ngongole zitha kukhala bungwe ngongole zimene ogulitsa wapangana mgwirizano. Osati chakuti zinthu akufuna ndi yabwino kwambiri. Komano, ndondomeko adzatenga nthawi anaiwononga, ndi zikalata chofunika osachepera.

Pa nthawi yomweyo kulowa ngongole kubanki, inu umasankha phukusi muyezo. Koma kusainira mgwirizano zoyenera Chipinda Cowonetsera, mungathe kudalira umafuna aliyense malonda. Bongo zambiri ikhazikitse mapulogalamu amenewa mogwirizana ndi mabanki. Choncho musanayambe kusaina mapepala, ndi bwino kupeza njira zonse.

"Chidwi-free" ngongole

Choncho, wasankha kukonza galimoto ngongole. Mbuna (akumuopa) pali zibisika mwaluso kwambiri. Mwachitsanzo, kumuyesa chiwongola dzanja la 0%. Monga momwe mukuonera, banki - osati bungwe lina lachifundo, ndipo chifukwa chake ntchito chopanda phindu. Motero, Kuyamikira ufulu sangakhale. Onse amati si dopoluchennye phindu bungwe ndalama kwa nthawi yaitali anaika mu chindapusa zosiyanasiyana zina, poyamba kukambapo ndalama za makina, mtengo wa zolembalemba.

Nthawi zambiri muyenera kuthawa ku "chidwi wopanda ngongole yabwino" wosindikiza galimoto bongo. Pa anayendera pafupi, zinthu apa cimalandilidwa muukapolo:

• ngongole akuti - zosaposa miyezi 12;
• chopereka koyamba - osachepera ndalama theka la galimoto,
• udindo pa inshuwalansi pamalo adzasonyeza banki.

Komanso zosiyanasiyana amafuna zomwe pamapeto pake negate ndalama aliyense angakhoze kuwonjezeredwa.

Pofuna kuti "agwera" zimenezo, funsani woyang'anira kuti incrementally kujambula pa chidutswa cha zochita zanu zonse kulembetsa. Pa nthawi yomweyo molondola kulowa ndalama zonse mtengo wa mitundu, akalola, inshuwalansi, zolipira kwa yokonza nkhani ndi zina malipiro ofanana. Yopuma mu tsiku kapena awiri ndi chidwi ndi ntchito zoterezi ndi mabanki ena. Mwina wanu "chidwi-free" ngongole sizidzakhala opindulitsa.

ndalama

Pofuna kupewa mavuto m'tsogolo, yesani nthawi yomweyo tipeze chimene zilango ndi zimene inu mukhoza kuika pa gombe. Sikuti kusaina mgwirizano kupereka mawerengedwe a ndalama zambiri chifukwa cha mphindi iliyonse ya nthawi yomweyo. Unikani mphamvu chuma kwenikweni. Muyeneranso kuganizira n'kutheka kuti otaya ndalama ya ndalama ukubwera mwina kuchepetsedwa. Mwachitsanzo, mudzakhala asalandidwe mabonasi, kapena wodwala Pet mphaka. Mwina kampani imene mumagwira ntchito ndi onse udzawonongedwa. Pankhaniyi, muyenera funsani banki za kukonzanso. Nthawi yomweyo kufunsa ngati zimenezi, ndi mmene kukumana ndondomeko imeneyi.

Ena mabanki zoika chilango cha alipire oyambirira a ngongole. Inde, mu nkhani iyi, iwo adzalandira zochepa phindu, omwe ankayembekezera. Pendani kaya ndinu oyenera zinthu zimenezi.

Nthawi zina obwereketsa atchule chilango zidziwitso mochedwa kusintha kwa deta. Izi zikutanthauza kuti ngati kusintha malo a ntchito, nambala ya foni, kapena mwadzidzidzi wokwatiwa / linatha, ndiye banki ayenera kudziwa za izo. Mwadzidzidzi zidziwitso angachotsedwe ndalama, zilango, komanso chofunika banki kuti yomweyo abwezere ndalama zotsala za ngongoleyo.

ndalama pansiyi

Kodi wina akhoza obisalamo mbuna galimoto ngongole? Pofuna kukopa anthu ambiri makasitomala ambiri mabungwe a zachuma kapena dealerships galimoto mpaka pamapeto kubisa nkhani zimene ndalama zina adzayenera kupatsidwa kasitomala. Ndipo iwo akhoza kukhala:

• amalipiritsa kwa kutsegula akaunti kubanki ndi kukonza ake;
• zosiyanasiyana inshuwalansi;
• mlandu kutembenuka kuchuluka ngongole
• ndalama osiyanasiyana;
• milandu banki chifukwa kulanda ndalama mu Chipinda Cowonetsera ya;
• malipiro a ntchito banki pa chiphunzitso ndi kupenda ntchito;
• kukhalabe ngongole file.

inshuwalansi

Inu sizinasinthe malingaliro anu kuti galimoto ngongole? Mbuna mukakumane ndi inshuwalansi ya galimoto.

Koposa zonse, kukhala okonzekera chakuti simungathe ntchito mu UK kwanu. Inu kupereka ntchito mwachindunji ndi kampani, amene walemba ndi mgwirizano ndi galimoto ogulitsira kapena banki. Komanso banki kungafune kutsimikiza magalimoto osati kokha, komanso mavuto ena:

• moyo wanu ndi thanzi;
• chiopsezo sanali alipire wa ngongole vuto la imfa ya ndalama;
• mavuto ena.

Kumene, mungathe kukana. Koma amene akhoza akutsimikizira kuti inu kupeza ngongole mu nkhani iyi?

Posankha inshuwalansi pali mfundo zina zabwino ochepa:

1. Ngati inu angakonze ochiritsira mfundo alumikizana inshuwalansi, inshuwalansi amaganizira kuti chaka chilichonse mtengo wa galimoto amachepetsa. Choncho, malamulo chaka ndi chaka adzakhala mtengo. Pankhani ya galimoto ngongole, inshuwalansi umafunika adzatsala zikutsatiridwa kwa lonse ngongole mawu. Ie magalimoto, "ukalamba", ndipo adakali kulipira ina.
2. Inunso palibe mwayi kuti bonasi-malus. Chotero kuchotsera, zimene zimapereka kwa imfa-free IC galimoto. Iliyonse galimoto zinachitikira inu analibe, pa mtengo wa CASCO galimoto ngongole si bwanji. Kulipira "mu zonse".
3. Komanso, ngati inu kukonza alumikizana pa ngongole galimoto, sungataye luso amalipira ndalama pang'onopang'ono. Pankhaniyi, ndalama zonse kulipira pomwepo.

kuti adzimvera

Ngati mwawerenga mosamala nkhani yathu, mukudziwa kale zimene zingatisokoneze kukhalapo mu ngongole galimoto. Ulamuliro okhawo omwe samafuna kuti "atsekerezedwa" ndi chimodzi - musawafulumizitse. Ngati anakhalako popanda galimoto, ndithudi adzatha kulimbana nawo, ndi ochepa kwambiri masiku. nthawi iyi, zokwanira basi kwa inu mosamala (makamaka wazamalamulo) kufufuza mgwirizano ndi kuwerenga zonse, ngakhale bukovki zazing'ono. Komanso, muyenera mosamala anayesedwa manambala onse ndi ganizilani kuchuluka, chimene mapeto ndalama makina. Dziwani: pamene euphoria wa kugula adziwitse si maso mdima, mbuna aliyense simuli mantha.