Nei uchigadzirisa chikwereti chemotokari?

Kazhinji vanhu vanotora mari kutenga motokari kubva mune zvemari. Mumakore achangobva kupfuura, kuzivikanwa kwebasa remabhangi, rinozivikanwa se "kugadzirisa zvikwereti zvemotokari," iri kukura. Iyi nzira inobatsira munyaya dzinotevera:

- apo mutengi anoda kuchinjana motokari yekare kune imwe itsva;

- kana uyo akakwereta asina kugutsikana nemari yemari yemari ikozvino.

Zvinokanganisa

Nguva dzose chimwe chinhu chiri kuitika: chido chekuda kuchinja chiripo, matsva mapurogiramu ehurumende, hupfumi hwehurumende, motokari itsva dzinoonekwa. Kuongororazve mvumo yemotokari kunokubvumira kuti uchengetedze nekuchinja. Chido chokushandura motokari chinowanikwa kune vanhu vakawanda vasati vadzorera zvachose chikwereti chavo. Maererano nehuwandu, vazhinji vanotya vanoshandura motokari yavo makore mashomanana, uye chikwereti chemotokari inowanzopiwa kwenguva inosvika makore mashanu. Chimwe chikonzero chekunatsiridza ndeye kuchinja kwechido. Kune dzakawanda zvirongwa zvakafanana, mabhangi anokwikwidza uye anoedza kuvandudza mamiriro ekukwezva vatengi. Dzimwe nguva pane kuchinja muhupenyu hweakwereta, somuenzaniso, mari yake inoshanduka, munhu akatendeseka anooneka, anokwanisa kuva chigadziro kana mamwe mamiriro ezvinhu anoita kuti chikwereti chibatsire zvikuru. Kana mumwe munhu akwereta chikwereti mumadhora, kuchinja chiyero ichiwo chikonzero chokugadzirisa. Kuita chikwereti chemotokari pasina CASCO inosarudzo yekuchengetedza mari.

Vanotengesa motokari vanopa chii?

Saloni dzinotengesa motokari dzakashandiswa dzinotengeswa nezvikwereti kune dzimwe nyika zvinotenga makore akawanda akapfuura. Kuti kuderedze nguva inotarisirwa kutengeswa kwemotokari, ma salons anopedzisa chibvumirano nebhangi, mutengi anoratidza zvinyorwa zvakakodzera. Imotokari "yekare" ichava muwonesi, uye "motokari" motokari ichapiwa kune mutengi. Mutengo wemotokari yakasara ichavhara chikamu chemutengo wakatorwa, chikwereti chichabudiswa pamusiyano mutengo. Vateresi vanogona kusarudza chisarudzo chekare kana kuti yakashandiswa motokari. Zvakakosha kuziva kuti kubhadhara zvikwereti zvemotokari zvinokubvumira kutenga motokari dzomumwe musati wakwegura kupfuura makore gumi, VAZ motokari, yezera rake risati iri makore mashanu. Machines mabhanga makuru haagamuchiri sechibvumirano. Motokari dzakakurumbira dzine mari yakawanda dzinoshandiswa, zera ravo, mileage inofungidzirwa, dziri kuongororwa. Kazhinji, mamiriro ezvinhu anopiwa nevatengesi vemotokari anoenderana nemamiriro ezvinhu aripo pamusika.

Banking mapurogiramu

Iwe unogona kugadzirisa mubhangi imwechete iyo iyo yemota-mboti yakabudiswa, kana inogona kuva mune imwe. Mumwe wekutanga kupa sangano iri kumabhangi akadai Absolute, Raiffeisen, Unicredit. Kana iwe uchifunga kubhadhara chikwereti chemotokari chavanopa, ipapo mitemo inosarudzwa ne nguva yavanopa mari, chikamu chechikwata chekutanga (sekutonga, chakaenzana nemutengo wemotokari yekare), mari yechikwereti.

Sarudzo in-in-loan

Apo pane chido chokutenga motokari itsva, yakabatanidzwa purogiramu yekubatsira kwehurumende, zvino unogona kupa motokari yekare nekuda kwekubhadhara kwokutanga. Zvinongova zvakakodzera kuti tsananguro nehurongwa hwemari ruzivo rwekupa zvikwereti zvakakosha. Iva nechokwadi chekubvunza pamusoro pezvinhu zvose kuitira kuti uite kubatsiridza kunobatsira kwekweretesa yemotokari. Mabhangi anogona kutsvaga mamiriro akasiyana.

Zvinyorwa zvinodiwa:

- chipo chekuwana mari (2NDFL);

- kopi yesangano rechibasa (chibvumirano chawakashandira kuti uite basa);

- pasipoti;

- reisheni yekutyaira.

Sberbank inopa chii?

Mune mabhanga aya anowanikwa 2 mapurogiramu:

- kuchinjana kwekodhi yemotokari kune imwe itsva;

- kuchinja muzvikwereti.

Kudzosera mari yechikwereti chemotokari muSberbank inzira yakakomba inopa:

- kuendesa nekufungisisa kwekushandira kubhangi;

- kuiswa kwechirango (yakawedzerwa);

- Inishuwarenzi yemotokari inotengwa.

Kuongororazve zvikwereti zvemotokari inofadza mari yezvigadzirwa mumaoko evanhu vakawanda vanogona kunyatsopinda mumamiriro ose ezvirongwa zvakarongwa.