Imalimboleko yemoto ngaphandle kokukhokha eMoscow

Edolobheni elikhulu njengeMoscow, kunzima ukwenza ngaphandle kwemoto yakho, ikakhulukazi uma ungumuntu osebenzayo futhi udinga ukufika ngesikhathi semihlangano nokuhamba ngebhizinisi nsuku zonke.

Imoto izimele ohlelweni lwezokuthutha zomphakathi kanye nokonga okukhulu, ngoba uma uhlanganisa zonke izindleko zokukhokha ukuhamba nge-metro namabhasi amancane, ngenxa yalokho, inani elikhulu liqoqa ngenyanga.

Ukuthenga imoto ngesikweletu namuhla akunzima njengakuqala. Amabhange aya ukuhlangana namakhasimende futhi anikeze izinhlelo ezihlukahlukene zokuboleka. Ku-Vodi.su, sesivele sibhale okuningi mayelana namazinga enzalo emabhange ahlukene, futhi kulesi sihloko sizozama ukucabangela isihloko sokuthenga imoto ngesikweletu ngaphandle kokukhokha eMoscow.

Imalimboleko yemoto ngaphandle kokukhokha eMoscow

Abaningi bethu badinga imoto efana nomoya, kodwa sixoshwa ezinhlelweni ezijwayelekile zokubolekwa kwemali ngesidingo sokwenza inkokhelo ephansi, evame ukuhluka kusuka kumaphesenti angu-10-15 wezindleko. Uma ubheka, inani lincane, isibonelo, uma uthenga i-Renault Duster yezinkulungwane ezingu-600, amaphesenti angu-15 angama-ruble ayizinkulungwane ezingu-90. Abaningi abanaso isineke sokuyilanda le mali futhi sebekulungele ukufaka isicelo sokubolekwa imoto ngaphandle kokukhokha.

Yini okufanele uyikhumbule uma ukhetha le ndlela ethile?

1. Okokuqala, ibhange kuleli cala lithatha izingozi, ngokufanele libeka phambili izidingo eziyinkimbinkimbi.
2. Okwesibili, ibhange lingadinga ukuthi imoto ifakwe kumshuwalense hhayi kuphela ngaphansi kwe-OSAGO, kodwa futhi ngaphansi kwe-CASCO egcwele, okungukuthi, "ukweba" kanye "nokulimala".
3. Okwesithathu, imoto isebenza njengesibambiso, ngakho-ke isihloko sihlala ebhange noma esaluni lapho uthenge khona imoto.

Kuyadingeka futhi ukuqonda ngokucacile umehluko phakathi kwezinhlelo zokubolekwa kwemoto ngaphandle kwenkokhelo ephansi kanye nokubolekwa kwemali okuvezayo. Lezi zamuva zivame ukunikezwa njengemali ebolekiwe yemoto, kodwa empeleni lezi yimalimboleko yemali evamile ekhishwa ngamanani enzalo aphezulu futhi idinga umshuwalense womuntu siqu oyimpoqo kumboleki, nakuba ungadingi ukufaka umshwalense wemoto ngaphansi kwe-CASCO.

Amabhange lapho ungathola khona imali mboleko yemoto ngaphandle kwenkokhelo ephansi

Empeleni maningi amabhange anjalo. Ake sicabangele ezinye zazo.

Raiffeisen Bank inikeza imalimboleko ngaphandle kwenkokhelo ephansi.

Izimo:

• kufika ezinyangeni ezingu-60;
• inani eliphakeme lingama-ruble ayisigidi;
• isilinganiso - 19,9% ​​ngonyaka;
• I-CASCO eyimpoqo, umshwalense womuntu siqu awudingeki.

Ungafaka isicelo sale mali mboleko usebenzisa imibhalo emibili: ipasipoti kanye nanoma yimuphi omunye umbhalo oqinisekisa ubuwena.

Umboleki kumele abe nemali engenayo ezinzile (kusuka ezinkulungwaneni eziyi-15 eMoscow naseSt. impoqo.

Uma ungumnikazi webhizinisi elizimele noma isihlobo sakho esiseduze sinye, futhi ngonyaka odlule ungakwazi ukunikeza ishidi lebhalansi yenkampani ngophawu lwentela, khona-ke inani lemalimboleko lingakhuphuka libe ngama-ruble ayizigidi ezingu-2,5.

Lolu hlelo lusebenza kuphela kumamodeli athile: Chevrolet Aveo, Lacetti, Cobalt, futhi Opel Astra, Hyundai i30 noma i40.

Cishe ukunikezwa kohlelo olufanayo I-Mosuralbank. Umehluko kuphela ukuthi udinga ngempela ukunikeza ikhophi eqinisekisiwe yencwadi yomsebenzi enesipiliyoni okungenani sezinyanga eziyisithupha kule minyaka emihlanu edlule, kanye nesitifiketi se-2-NDFL, noma imbuyiselo yentela.

Imalimboleko ingathathwa isamba sezinkulungwane ezingama-200 kuya kwezigidi ezimbili kuze kube iminyaka emihlanu.

Ukubhejwa:

• isikhathi semalimboleko singafika ezinyangeni eziyi-12. - ishumi nesishiyagalombili%;
• 12-36 - 19%;
• 36-60 - 20%.

Imoto yenza njengesibambiso, ngakho qiniseka ukuthi uthenga i-CASCO, futhi esimweni sokubolekwa kwemoto ngaphandle kwenkokhelo ephansi, cishe akukho bhange elizofaka izindleko ze-CASCO enanini lemalimboleko - Lesi yisimo esengeziwe esiklanyelwe ukuqinisekisa i-solvency yomboleki.

Izimo ezivumayo zinikezwa amaMuscovites Novikombank:

• inani - kufika ku-6 million;
• isikhathi - kuze kube iminyaka emihlanu;
• inzalo - 13,5-17,5% ngonyaka.

Kodwa isinqumo sokukhipha izimali nokuzidlulisela ku-akhawunti yeklayenti kungathatha izinsuku ezingu-7, futhi udinga ukunikeza iphakheji elikhulu lamadokhumenti, kuhlanganise nesitifiketi somshado noma isehlukaniso.

Futhi, umboleki kufanele abe nemali engenayo ejwayelekile futhi akwazi ukukuqinisekisa: abasebenzi, intela yemali engenayo yomuntu engu-2, isimemezelo, njll.

Lesi sikweletu asihlosiwe, ngakho-ke, i-CASCO, noma i-DSAGO, futhi ngisho nangaphezulu kwe-VHI, akudingeki ukuthi ikhishwe. Indawo ethengwayo iyisibambiso. Kuvunyelwe ukuheha ama-guarantors kanye nababolekayo - kulokhu, nabo kudingeka baqinisekise imali yabo engenayo.

Inani elikhulu lezinhlelo zokubolekwa kwemali zokuthengwa kwemoto ngaphandle kokunikezwa kokukhokha kancane I-AiMoneyBank:

• Okujwayelekile;
• Okujwayelekile ngaphandle kwe-CASCO;
• I-VIP Standard Ngaphandle kwe-CASCO;
• Umthengisi.

Kodwa kuyathakazelisa ukuthi amabhukwana akhombisa inani lenzalo elincane elifanayo ozolithola uma wenza inkokhelo yokuqala.

Isibonelo, uzothola u-7% ngonyaka lapho wenza i-70% yokukhokha kusengaphambili, kuyilapho ngaphandle kwenkokhelo ephansi udinga ukubala ku-15-24%.

Ngakho-ke, abahleli beVodi.su batusa ukuhlolisisa yonke imininingwane yenkontileka ukuze kungenzeki ukuthi "uthenge" isibalo se-7%, bese kuvela ukuthi udinga ukukhokha i-24%.

Iyalayisha...