Imene banki kopindulitsa kwambiri galimoto ngongole?

Ndi tsopano chimodzi mwa zinthu zotchuka kwambiri banki ndi ngongole kuti agule galimoto. Imakhala mabungwe azachuma pa zosiyanasiyana zinthu makasitomala. Aliyense amene akufuna kunyamula kupeza, n'zochititsa chidwi kudziwa za komwe mungathe kutenga yabwino kwambiri galimoto ngongole, chifukwa zikhalidwe za mabanki osiyana zingasiyane kwambiri. Mpikisano chimalimbikitsa mabungwe a zachuma kukhala mapulogalamu abwino kwa anthu. Today galimoto chachiwiri anagula pa ngongole, choncho tinganene za kutchuka ngongole kwa ogulidwa galimoto. Banks mwachangu kugwirizana ndi galimoto bongo, ziwawa m'munsi kukopa wanu chandamale omvera.

Car ngongole Russia: zinthu zofunika

Aliyense mankhwala banki ali ndi makhalidwe ake, kuphatikizapo kopindulitsa kwambiri galimoto ngongole. Kodi banki mitengo wotsikitsitsa ndi zinthu okhulupirika yaing'ono malipiro koyamba - ndipo pali ayenera kudzapereka ndikupeleka. Masiku ano mabungwe ndalama zonse osauka mapulogalamu watsopano nzika.

Car Loan ndi chandamale ogula ngongole wotetezedwa amene amachita anagula makina. Chifukwa chakuti galimoto adzakhala mabanki chikole amafuna mfundo kulembetsa CASCO. anthu ambiri amakhulupirira kuti kopindulitsa kwambiri galimoto ngongole - ndi uja amene si koyenera kugula inshuwalansi. Pali mapulogalamu safuna izo, koma mu nkhani iyi kasitomala pogona ndi ndalama zonse kukonzedwa, ngati galimoto limalowera mu ngozi ndipo wavulala. Komanso, avtozaem zapansi alumikizana zambiri ali ndi mlingo wapamwamba chidwi.

mapulogalamu galimoto ngongole ndi makhalidwe enieni:

1. kasitomala kawirikawiri sakhala ndalama, iwo nthawi yomweyo umasamutsidwa ku malo ogulitsira kudzera amene kugula wapangidwa.
2. mabanki ambiri kupereka ngongole pokhapokha wogula adzapanga gawo la osachepera 10% wa mtengo wa galimoto.
3. Transport ali alonjeza ku banki bola ngati kasitomala si kubwezera ngongoleyo.
4. TCP galimoto amasungidwa banki isanafike kutseka kwa mgwirizano.
5. Pafupifupi nthawi zonse amafuna kuti kupanga ndalama zambiri inshuwalansi ndondomeko CASCO.

Nzika amene zoti galimoto ngongoleyo, zinthu zabwino kwambiri adzapelekedwa ngati kasitomala adzapanga malipiro koyamba. Mukatero kulipira chidwi pa mlingo wokwererapo. Kupanda Hull komanso kumawonjezera mtengo wa ngongole ndi 3-5% pa chaka.

thandizo boma

Pali wapadera mankhwala - yabwino galimoto ngongole ndi subsidy ndi boma. Iwo amakulangizani, osati onse mabungwe a zachuma komanso pulogalamu mutsogoleli wadziko. Mu chimango cha kupereka kugula galimoto akhoza kupangidwa mu Russia. Palinso ena zitsanzo yachilendo, amene anasonkhana pa zomera zoweta, ndi iwo angakhoze kupeza yabwino kwambiri galimoto ngongole ku Rostov, Moscow ndiponso mizinda ina.

The subsidy ndi malipiro a magawo awiri chiwongoladzanja pa ngongole galimoto. Iwo masamu ndi mlingo Bank Central, amene amachita pa nthawi ya ndikupeleka. Mwachitsanzo, kasitomala akufuna kugula galimoto pangongole kuchokera Sberbank, kumene muyezo mlingo - 13,5-18%. kulipira pa 6.5-7% zochepa wobwereka Ndi thandizo la boma n'kofunika. Chifukwa, zoyendera mtengo kwambiri kwa makasitomala ndi mabizinezi zoweta kugulitsa katundu wawo.

Pogwiritsa ntchito, thandizo boma kugula galimoto mpaka tonnes 3.5 ndi kugulitsidwa zosaposa miliyoni 1 150 zikwi rubles. The Bank amapereka zosaposa 90% ya mtengo zoyendera. akuti ngongole mu pempholo ichi - zaka zosaposa 3.

Kopindulitsa kwambiri galimoto ngongole: kusakumvekamveka

Chimodzi mwa zizindikiro zofunika kwambiri kwa makasitomala ndi yaing'ono overpayment ngongole mgwirizano. Kumvetsa zimene azisiya kulipira ndalama owonjezera galimoto, mungathe kugwiritsa ntchito Chiwerengero ngongole, amene ali pano pa Websites mabungwe ambiri a zachuma. Ndi chida ichi mukhoza kuwerengera katundu bajeti pamene ntchito kwa ngongole ndi kuona kukula kwa overpayment lapansi.

Purchase oyamikira zimadalira mlingo ndalama bungwe limene ngongole wapangidwa. Kodi yabwino kwambiri galimoto ngongole? mitengo okongola kwambiri chidwi anapereka Bank wa Moscow, "Uralsib" ndi Unicredit banki. Pano mukhoza kupeza ngongole pa mlingo wa 9-14% pa annum.

A ndalama zochepa koyamba

Ambiri mabungwe a zachuma amafuna chuma, zimenezi mpaka 40% a mtengo wa galimoto, amene ali ndi ndalama zambiri. Kopindulitsa kwambiri galimoto ngongole mu Volgograd ndi midzi ina ya Russia - ndi ngongole popanda amalipiritsa koyamba izo. Iwo akhoza zopezera 24 mabanki VTB, MDM ndi "Altai Energo".

Komabe, tiyenera adzanyamula kukumbukira kuti kusowa kwa malipiro kapena kochepa kwa akhoza kusauka kwako ndi chiwongola dzanja. Komanso, mabungwe ndalama kuika zinthu zina. Mwachitsanzo, mukhoza kugula okha yachilendo galimoto ofunika theka miliyoni. Choncho, kusankha galimoto ngongole zaphindu kwambiri (otsika overpayment kapena ayi) ndi ogula.

Mtundu wa galimoto

Panopa akubwereketsa pulogalamu amalola nthawi kugula monga atsopano kapena ntchito galimoto, anasonkhana Russia ndi mayiko ena. Aliyense banki, pali zinthu zina kuti kalembera wa ngongole kwa ogulidwa magalimoto. Mu ena inu mukhoza kugula galimoto latsopano, pamene ena akukongoza anthu amene akonza kugula galimoto ndi mtunda ndi.

Pali mtsinje, kumene ngongole ndi chikalata yekha pa magalimoto apamwamba yachilendo (Raiffeisenbank). mabungwe ochepa ndalama wokonzeka kupereka ngongole kugula galimoto, wachiwiri dzanja, ndi iwo amene ali okonzeka, amalowerera amafuna kuyeza pa galimoto (chaka kupanga, chikhalidwe, etc.). Malinga ndi makasitomala ambiri, kopindulitsa kwambiri ngongole galimoto mu Ufa ndi mizinda ina Russian magalimoto ntchito mukhoza m'magulu Gazprombank.

inshuwalansi

Car ngongole Russia isiyana ndi mankhwala ena banki kuti mmodzi wa mfundo zofunika ndikupeleka ndi pamaso pa mfundo CASCO. chakuti magalimoto adzakhala anagula ku banki monga ina bola ngati wobwereka sapereka mu utumiki onse mangawa ake. Onse malonda umafuna mabanki anafuulira chiwongola dzanja pa ngongole yomwe chomveka okha nkhani ya kalembera wa phukusi zonse za mabungwe inshuwalansi.

Chifukwa kugula inshuwalansi amakhala okwera mtengo kwambiri mu nthawi. Mu nkhani ya kukana kwa ogulidwa ndi mfundo wobwereka adzatha kupulumutsa pa malipiro oyamba, koma kuchuluka kwa ngongole ya kwambiri. Komanso, inu mukhoza kusankha insurer anu, nayonso ndalama pa ogulidwa ndi malamulo. Komabe, si onse mabungwe a zachuma kupereka makasitomala awo mwayi kusankha inshuwalansi kampani.

Osachepera phukusi la zolemba

Nzika zambiri kwambiri sanakhutire ndi bureaucracy lapansi. Kunena pangano ngongole, tinafunika yaikulu mfundo ndi mapepala. Koma masiku ano, mukhoza kupanga zambiri, kusiya awiri okha kwa bukuli. Ngati tikulingalira mabungwe a zachuma mmene zimenezi, kopindulitsa kwambiri banki galimoto ngongole, kwa zitupa ndi ziphatso galimoto kupanga kunja ngongole - Sberbank la Russia. The kupereka SNILS, VAT kapena ID usilikali ngati chida chachiwiri.

Kuwonjezera pa Bank ndalama za Russia, ndi zikalata ziwiri ndikupeleka akhoza operekedwa Rosbank ndi VTB 24. Pamene kosamalira ndalama sikutha kutsimikizira solvency wa wobwereka angathe alibe satifiketi yoyenera, ngongole yoteroyo limodzi ndi chidwi apamwamba. Komanso banki angafunike gawo yokulirapo omwe si nthawi yabwino makasitomala.

Malonda opanga

bongo ambiri udindo kuwonjezera malonda mankhwala ake akuyesetsa kukhala zotsatsa zapadera kwa makasitomala amene akufuna kugula galimoto ya mtundu makamaka. Choncho anaonekera Bank Toyota ndi banki Renault Nissan pa msika. Pano mukhoza kugula mtundu winawake ndi chitsanzo pa mawu wokongola kwambiri.

Komanso kulabadira umafuna nyengo ndi mapulogalamu Othandizana a mabanki ndi akaidi ovomerezeka. Monga ulamuliro, zikhalidwe kwa makasitomala mapulogalamu ngati ngongole ndi yosangalatsa kwambiri.

VTB 24 pulogalamu

Izi bungwe ndalama achiwiri kukula mu Russia ndi amapereka nzika kuchuluka yaikulu ntchito ndi mankhwala. Car ngongole ndi mu ankafuna wapadera ndi bwino anayamba VTB Bank. Mungathe kukonza ngongole ndi subsidy ndi boma kuti agwiritse ntchito mwayi makasitomala kampani, kapena kunena mgwirizano yapamwamba mu magawo alipo.

Standard zikhalidwe za ngongole galimoto ku banki motere:

• kuchuluka - zosaposa 5 miliyoni rubles;
• mugule galimoto kupanga Russian ndi achilendo;
• mlingo wa 14% pa annum;
• gawo - osachepera 15% a magalimoto;
• mawu a mgwirizano - mpaka zaka 5.

chidwi zabwino Gazprombank

Izi bungwe chuma ndi mapulogalamu kopindulitsa kwambiri kupereka makasitomala amapeza. The chiwongola dzanja pa ngongole galimoto ndi wotsika, ndipo m'zaka zaposachedwapa, ukuwonjezeka kwambiri anali anaona. Kupanga pangano ngongole, borrowers mungathe mu banki kwa zaka 7. Mlingo m'munsi pa ngongole galimoto - 14% pa chaka, koma makasitomala mukhoza kutenga kuchotsera 1.5% pa annum. The Bank amafuna gawo - osachepera 20% ya mtengo wa galimoto ndipo amapereka ngongole pa mlingo wa zosaposa miliyoni 4.5 rubles.

Anapereka kwa Sberbank

lalikulu kusankha mapulogalamu osiyana galimoto ngongole kwa anthu a Russia Sberbank la Russia amapereka. Mungathe kukonza ngongole kwa ogulidwa magalimoto ena ndi magalimoto zoweta. overpayment kukula zimadalira nthawi ngongole zimasiyanasiyana mkati 13.5-16% pa annum. Pamaso pa quotas akhoza chikalata yabwino galimoto ngongole ndi ang'onoang'ono boma, ngati kasitomala si zotsutsana ndi zoyendera zoweta.

Ndalama mapulogalamu onse amafuna malipiro pansi, kuchuluka kwa adzakhala osachepera 15% wa mtengo wa galimoto. The pazipita kwa ogulidwa galimoto wapatsidwa miliyoni 5 rubles. Mawu a pangano ngongole - zaka 5.

Sberbank anapereka kuchotsera wa 1% pa chaka pa ngongole galimoto m'magulu awa nzika:

• makasitomala kopeleka malipiro;
• ndalama;
• ogwirizira a khadi chikhalidwe, kulandira penshioni ake.