Kupi uye sei kuti motokari chikwereti mumotokari?

Havasi vanhu vose vanoda kutenga motokari pakarepo kuwana mari yekubhadhara kuti kutenga. Naizvozvo, zvikwereti motokari iri nhasi ane mukurumbira chaizvo oornag nzira kutenga motokari yako.

Ndezvipi zvinhu motokari chikwereti

Car chikwereti munhu Vanosarudzwa chikwereti kutenga motokari. Get motokari chikwereti kubhengi anogona, pamwe proviso kuti motokari achava bhanga vimbiso. On hwaro ichi, kubhangi kunoderedza ngozi uye anotora zvishoma yechimbadzo chikwereti.

Kazhinji, kuti chimbadzo iri motokari chikwereti idukusa ari chikwereti iri mari. Asi kune asiri kuripwa chikwereti motokari yakabatwa pamahombekombe uye vakatengesa kubhadhara chikwereti.

Kakawanda, kubhengi zvinoda akakwereta kuna inishuwarenzi motokari musi Hull papurogiramu. Kana kuba kana kuvadza motokari panguva tsaona kubhengi vachagamuchira inishuwarenzi. muridzi motokari anofanira vadzokorore inishuwarenzi ose gore, zvikasadaro kubhangi kumunhu Zvirango kuti anokwereta.

To kukura autocredit pasipoti pamusoro muchina anofanira kuva mubhangi. Kana zvakava zvakakodzera iwe, ipapo unofanira kuonana kubhangi uye kusarudza naye mubvunzo sei zvinoita kuti uye kana kudzoka.

Apo ini kuwana motokari chikwereti?

MuRussia, yakasiyana mabhanga mazhinji. Asi pashure 2014 vazhinji zvemari uye zvikwereti nemasangano vakarega achivaratidza zvikwereti kutenga motokari, dzichiritsiva navo nevatengi zvikwereti mamiriro Chakarerutswa.

Ungacherechedza kuti vashomanana yavose sezvavakatarirwa rwezvemabhengi zvikoro kupa chikwereti kupfura muna 2017. Kazhinji, mubereko prices pamusoro zvikwereti motokari zvakafanana nokuda kwezvikwereti nevatengi. Kunyange apfuura musiyano chaiva zvaioneka.

zita bhangi	% Pa annum	The chikwereti uwandu, RUR	akadzika nguva	On iyo michina		How refu	Down muripo,% mumotokari ukoshi
				itsva	B / Y
"East Bank"	19	100 zviuru. Kwiza nechekuzasi. - rubles miriyoni 10	Kubva 1 kusvika 5 makore	+	+	pakarepo	-
"Nokssbank"	12	100 zviuru. Kwiza nechekuzasi. - rubles miriyoni 10	Kubva 3 kusvika 10 makore	+	+	Muvhiki imwe	-
"Alfa-Bank"	12.5	100 zviuru. Kwiza nechekuzasi. - rubles mamiriyoni 5.6	Kubva 1 kusvika 6 Makore	+	+		10
"VTB 24"	17.9	150 zviuru. Kwiza nechekuzasi. - mamiriyoni 1 rubles	Kubva 1 kusvika 7 Makore	+	+		20
"Raiffeisenbank"	6,4-14	50 zviuru. Kwiza nechekuzasi. - rubles mamiriyoni 3	Kubva 1 kusvika 5 makore	+	+	Mukati rimwe kushanda zuva	15 kusvika 40
"Agricultural Bank"	17.5	Kusvikira mamiriyoni 3 rubles	Kusvika 5 years	+	+	Kusvikira 4 Mazuva	15
mari mubhengi	11.5	Chokuzora mamiriyoni 10	To 6 Makore	+	+		-

Rinopa chinonyanya kukwezva ezvinhu "Nokssbank". Asi iwe unogona kuwana motokari chikwereti kubhengi chete vagari Volgograd nharaunda.

"Alfa-Bank" anopa kumbonyanya ichikwezva anomukweretesa ezvinhu. Unogona kuramba Chikomo. Kana iwe usaora kubhadharwa pamahombekombe, ipapo uchawana motokari chikwereti pa 15.5% pamwero wepagore.

Conditions "VTB 24" ndiro akanaka muna prices uye zvinodiwa mukwereti. Asi mubhangi munofanira kuripa chikamu 20% of zvachose Mari motokari yakatengwa wokutanga.

Car zvikwereti kubva "Raiffeisenbank" rakanakira anokwereta dzakakwirira mari, vaigara mumaguta makuru Russia.

Kutaura sei kuti motokari chikwereti iri mari Bank, zvinofanira kucherechedzwa vo zvikuru zvakanaka ezvinhu kubhengi. The chimbadzo mumwe rakadzika. Wana chikwereti nokuti pano anogona kushanda ose Russian mugari.

Kana ukapiwa mari yako mari Bank, kusarudza kuti ape kubhangi achakugadzirira 2 kwemaawa chikwereti akadaro. Kana munhu anoda kubetserwa ane mukana aite kwokutanga kubhadhara 30% of mutengo mumotokari, kubhangi haangavi zvinoda mari chitupa, kopi basa uye kuvapo guarantors.

Chimwe chakanakira huru motokari chikwereti Sberbank ndechokuti uwandu inishuwarenzi Chikomo zvinogona kushandiswa chikwereti uwandu.

Zvinopa mukana kuti motokari chikwereti risina pasi muripo "East Bank", "Nokssbank" uye Sberbank.

Kana ukasarudza kuti nangananga mbiri kutenga wechipfuwo motokari, ipapo kutenga akadaro inopiwa nehurumende rutsigiro, izvo zvinobatsira chaizvo kuti anokwereta.

Sei kuwana motokari chikwereti?

Kuwana chikwereti kuti motokari kunosanganisira matanho anotevera:

• kunyora kugadzirira uye drafting chikumbiro kuti chikwereti;
• kuti nokuiswa Bank chisarudzo chokupa chikwereti kuti mari;
• kusarudza motokari iri kabhini, kusaina ari kutengesa chibvumirano, zvichiita kwokutanga mubhadharo (kana akapa);
• kusaina of chikwereti chibvumirano;
• Chikomo inishuwarenzi kunyoresa;
• kubhadhara mutengo mumotokari Bank motokari munyengeri;

Pashure paizvozvo, kuti mugari anogona kunhonga motokari uye kuchengeta wake kunyoresa.

Usati kuwana motokari chikwereti, unofanira kuwana bhanga yakazara mazita magwaro. Zvemari uye zvikwereti nemasangano anogona kukumbira mamwe mashoko kana mapepa.

chinokosha

zvikwereti Car inogona wakabudiswa pakutanga mubhangi. Musimboti yechipiri iri showroom, apo rinogona akaiswa kubva muhofisi kubhengi.

Kusarudza apo kuti motokari chikwereti anofanira mukwereti. Zvakakosha kutsvaka kuti chikwereti mamiriro umo pamahombekombe pachako nekuti muchava kupfuura purofiti uye yakakodzera. Chenjerera kuita zvechivhurumukira kutenga, vachitora mbiri ari kabhini. The chikamu muzana zvingava yepamusoro ikoko pane mubhengi bazi.

zvazvakashatira zvikwereti motokari

Car chikwereti zvinoisa mamwe nokubatira mukwereti uye ane kunaka rutivizve:

• Pretty simba motokari anodhura pane kutenga nayo nokuda mari.
• Unofanira kubhadhara pamwedzi. Usati wawana chikwereti, unofanira exchange nezvaanogona zvavo zvemari.
• Asati mutsividzo of chikwereti kubhengi yechisungo muchina nokutengesa kana kupa zvinokwanisika chete pamwe mvumo kubhengi.
• Kazhinji, kana waita motokari chikwereti nguva dzose inoda kubhadhara inishuwarenzi Chikomo, riri chaizvo rebei chitsama. Kakawanda, kambani yacho inishuwarenzi asarudzwa pamahombekombe, uye uwandu inishuwarenzi kungava kupfuura mamwe makambani inishuwarenzi.
• Kana motokari apinda tsaona, nemari inobhadharwa nokuda inishuwarenzi anoenda kubhangi, uye kugadzira motokari mari iyi muridzi haangavi zvinobvira.

Zvinodiwa Kuti anokwereta

bhangi nomumwe anoita pachake ezvinhu ayo nokuda chikwereti. Asi kazhinji unogona kutora motokari chikwereti pamwe anotevera zvinodiwa:

• anokwereta ane mugari wenyika Russian Federation;
• mugari zera, zvatinogamuchira motokari chikwereti anofanira kuva mukati makore 23-65;
• kushanda ruzivo mundima wokuRussia kwenguva yamunenge kumwedzi.

Uyezve, chikwereti zvikoro vanofanira kushevedzera akawanda nhamba dzenhare (basa, pachake, nomuzikamwi dzorunhare nhamba).

How kuti chikwereti kuti motokari ine mileage?

motokari Used vari isingadhuri pane zvitsva uye mamiriro hapana kupfuura itsva. Funga sei kuwana motokari chikwereti pamusoro motokari mileage.

Banks kazhinji kuratidza zvinotevera ezvinhu kuti aishandisa motokari:

parameters	For Motokari vatorwa	For mudzimba motokari
zera	Kwete makore anopfuura 10	Not anopfuura 5 makore
yakawanda chikwereti	Banks kazhinji munguva uwandu 500 zviuru. Varikwizire. kusvika mamiriyoni 1,5 rubles	Saizvozvowo
Machine uremu	matani anosvika 3.5	Saizvozvowo
mileage	Kusvikira 100 zviuru. Km	Kusvikira 50 zviuru. Km

Kuita Chikomo inishuwarenzi negwaro kunotodiwa.

Anokwereta chikwereti kuti b / motokari anofanira zvimwe zvinodiwa:

• kuva vakuru makore 21;
• vane Kureba basa dzinopfuura imwe karenda gore;
• ruzivo basa panguva iri sangano kwemwedzi anopfuura matanhatu, uye vamwe nemabhangi vane zvakakwana 3-4 mwedzi;
• kuva mugari weRussia uye vane kugara apo anoswedera motokari chikwereti guta;
• tirambe chikwereti nhoroondo.

Credit nokuti motokari iri nyore kuwana vatyairi vanenge uchityaira ruzivo. Nyongoroka, mabhengi ngaateme zvikwereti zvakadaro uduku uye vanhu pamudyandigere zera.

Credit sezvo imwe itsva, uye pamusoro b / motokari unogona kuwana mubhangi kuhofisi kana iri showroom. Zviri zvinobetsera zvikurusa kudaro mubhangi kuburikidza rwamakandida kuwana mubayiro. Somuenzaniso, vagari pamwe Payroll makadhi mu "Arifa-Bank" agamuchire autocredit pasi 12,5%, uye zvavo nemashoko inoenzanirana achava 16%.

Muitiro kuwana chikwereti kuti b / a Car

Kuti tiwane motokari chikwereti kuti motokari, unofanira kuenda kuburikidza zvinotevera nzira.

Sarudza kadhi sangano, enzanisa inopiwa akasiyana mabhanga, zvirongwa zvavo, kufarira rates ouzivi anomukweretesa. In kufunga sei kuwana motokari chikwereti, zvakakodzera kuti ajekese kana pane mufananidzo wenyu aida bhengi kwaunogara. Sarudzo dzinofanira kupiwa nemabhangi vane nekusimba mukurumbira wakanaka.

Application zvinogoneka pane kushanyirwa kubhengi kana kuburikidza paIndaneti.

Unofanira kuva magwaro anotevera:

• pasipoti;
• Information pamusoro mari pabasa;
• chitupa chokutyaira;
• kopi yebhuku basa.

Uyezve, webhanga iri kufunga application. Mushure application akatendeka mukwereti, kana zvakafanira, kupa nguva 1 kusvika 3 months ari motokari kutsvaka.

Pashure paizvozvo akabudisa kondirakiti waakazvitengesa chete mutengesi mumotokari. Aidawo ndiye akaitwa ngowani. Izvi zvinowedzera chitsama vachibhadhara kuti anokwereta yarwo.

The kwokutanga mubhadharo iri hwakatamisirwa akaundi iyo mari iri Kutamiswa showrooms. Avhareji kukura muripo iri yemanyorero 20% of nomutengo.

With vainyatsotarisirwa vanofanira kuenda vanyorwa chikwereti chibvumirano. Akasaina gwaro inofanira zvakazara Akaongorora. Zvakakodzera kucherechedza zvinotevera nuances:

• The yokupedzisira kukosha chimbadzo. Zvinoitika kuti munhu kuzoona, asi chaizvoizvo anopa zvikuru.
• Hupo muripo kubhadhara kwema zvemari (uyewo vachinzi zvakavanzika).
• Chii nzira zvinopiwa chikwereti.

Kamwe vakawana motokari chikwereti pamusoro motokari uye akaritenga, isu chete kuva pamutemo yomumugwagwa mapurisa. Zvino iwe wava muridzi izere nemotokari.

Mazano Zvakanaka kutenga kushandiswa / motokari

Buy kushandiswa motokari iri showroom. Saka unogona kudzivisa vanotenga muchina mumwe zvakabiwa kana malfunctioning. Kunyanya nemhaka dealerships kazhinji kuronga zviito kuti kutengeswa vakashandisa mota.

Kana kukwana vasingakoshi mari rwokutenga, motokari chikwereti nani kusarudza Mutengi chikwereti.

Panewo nenyanzvi akadai mogeji nevaichinja. Vanoziva sei kuwana motokari chikwereti zvakawanda zvakanaka mashoko. Nevaichinja ichakubatsira kusarudza kupfuura Zvakanyanya Kunaka Panguva Yepamuviri chikwereti purogiramu.

Kuwana motokari chikwereti nezvakaipa chikwereti nhoroondo

Kana wakambozvibvunza wakatendera kunonoka pamusoro kuzopiwawo dzimwe zvikwereti, zvingangoita kuti ichi kuchachinja zvakaipa pamusoro wako nechikwereti mukurumbira.

Usati kuwana motokari chikwereti nezvakaipa chikwereti nhoroondo, unofanira kutaura chikwereti Bureau rubatsiro. Kana zvinoratidza kuti une kunonoka, yaida kuvabhadhara. Kana akapa mashoko enhema pamusoro default, unofanira kushandisa kubhengi kugadzirisa nyaya.

Kuti uvandudze chikwereti kare, unogona kutora zvikwereti zviduku zvakawanda uye mubayiro pamusoro nguva uye zvakakwana.

Unogona kushandisa vachiri kuti diki kana vachangobva akazarura zvemari uye zvikwereti masangano. Masangano kwakadaro muchitsvaka vatengi uye vanobvuma kuti Musadzinga zvokutadza inoomesera zvinhu kuti mukwereti.

Munogonawo kushandisa kuti chikwereti kuna zvitsva zvokukweretesa masangano, pawnshops kana makambani dzemari kuti mutengi ndechokuti kare haukoshi. Asi mubereko for nemasangano kwakakwirira zvikuru kupfuura mune mabhanga.

How kuvandudza mukurumbira mukwereti wacho

Kunowedzerawo mukana mvumo motokari chikwereti pamberi kunaka chikwereti nhoroondo nenzira dzinotevera:

• kutsvaga co-signer yakanaka chikwereti mukurumbira;
• pasi kubhangi gwaro soro-mari kana nhaka tsika zvinodhura;
• zvinopa rubatso;
• kuita pasi kubhadhara iri mari 50% of kukosha motokari yakatengwa.

Kuwana chikwereti pamusoro motokari kuburikidza neindaneti

Chinenge bhangi ose anopa nhasi, shandisa nokuti chikwereti kuburikidza paIndaneti. Nokuti chinangwa ichi, rinokosha anofanira tsanangurai pachako mashoko enyu, chikwereti mari uye mamwe mashoko.

Mushure maizvozvi, bhagheni ichabudisa maonero ekutanga pamusoro pokukwanisa kubhadhara chikwereti kwauri. Asi zvichiri kuitika kuti iwe pachako uuye kubhangi kuti ugovera mapepa anodikanwa ezvinyorwa uye kusayina chibvumirano.

Mari yemari yemari - inotora kana kwete?

Iyo chikwereti chemotokari ine mitsipa yakaipa yakawanda, asi panewo nguva dzakanaka. Zvinotarisirwa kunyatsorongedza zvose zvingaita zvigadzirwa zvemabhangi, zvikwereti zvekwereti, kuverenga kubhadharwa mari uye zvimwe zvinotarisirwa mari yekubhadhara kwemotokari uye kuenzanisa nezvikwereti zvekubhadhara chikwereti. Uyezve zvakakosha kufunga nezvekugona kwehurumende kutsigira kana uchitenga motokari yemumusha.

Kuti uchinzwisise gungwa iri rine maitiro nemagariro ekubhadhara mabhenji akasiyana, usatya kutora rubatsiro rwevashandi vechikwereti vechikwereti.

Chenjerera chikwereti chako mukurumbira. Pashure pezvose, kana zvakaipa, kuwana chikwereti kwemotokari kuchava kwakaoma zvikuru.

Kweretesa yemotokari inogona kuitwa zvose zvemitambo itsva uye yechipiri. Imotokari iri nani zviri nani kutenga muhotera yekuratidza, nokuti ichave yakasimbiswa kwete mukupamba uye kwete kuputsika.