Imali mboleko yemoto noma isikweletu somuntu siqu yikuphi okungcono? Isihloko sethu

Imoto yomuntu siqu iphupho labantu abaningi, noma kunjalo, akuwona wonke umuntu ongakwazi ukukhokha ngokushesha yonke inani lezindleko zemoto. Umbuzo uphakama: ungatholaphi imali elahlekile. Impendulo kuphela ukuthi uxhumane nebhange. Amabhange namuhla ngokuzithandela anikeze imali edingekayo ngesikweletu, ngaphezu kwalokho, kunezinhlelo eziningi zokubolekwa kwemoto. Ngakho ungathola inani elilahlekile ngaphandle kwezinkinga.

Kodwa ibhange, okokuqala nje, liwuhlaka lwezentengiselwano olunentshisekelo yokwenza imali engenayo, ngakho-ke uzothola imali ngamanani enzalo aphezulu.

Ake sibone ukuthi yini enenzuzo eyengeziwe - imali mboleko yemoto noma imali yomthengi?

imalimboleko yemoto

Isikweletu semoto siyimalimboleko eqondisiwe. Ikhasimende ngeke likwazi nokuyibona le mali ku-akhawunti yalo noma ezandleni zalo. Uma ibhange lenza isinqumo esihle, le mali ithunyelwa ngokushesha ku-akhawunti yamanje yomthengisi wezimoto.

Ukuze uthole imalimboleko yemoto emabhange amaningi, kufanele uhlangabezane nemibandela elandelayo:

• qinisekisa iholo lakho - ungase ungasebenzi, kodwa kule minyaka embalwa edlule kufanele ube nesipiliyoni okungenani unyaka owodwa, kwamanye amabhange lokhu akuthathwa ngokungathi sína, emabhange kahulumeni, ukuze uthole imali mboleko, udinga oqashwe ngokusemthethweni;
• inani lemali engenayo ngenyanga akufanele libe ngaphansi kwezinga elithile - cishe, ngemali engenayo yama-ruble ayizinkulungwane ezingu-10, ngeke ukwazi ukuthola imali ebolekiwe ngisho nemoto yesabelomali kakhulu;
• imfuneko ukubhaliswa komshwalense we-CASCO, futhi amanye amabhange angase adinge ukuthi uthathe umshwalense wezokwelapha ngokuzithandela.

Uma sikhuluma ngezinga lenzalo, bese kuthi isilinganiso sisuka kumaphesenti ayi-10 kuye kwangama-20 ngonyaka. Ibhange ngalinye libeka imibandela yalo. Ngokwesibonelo, ukuze uthole inzalo ephansi, kudingeka ube ikhasimende lasebhange, uthole iholo ekhadini lasebhange, futhi unikeze ulwazi oluningi ngawe ngangokunokwenzeka.

Iphuzu elibalulekile ukuthi ukuze ufake isicelo semali mboleko yemoto, udinga ukwenza inkokhelo yokuqala - kusuka Amaphesenti angu-10 yenani lemoto.

isikweletu somthengi

Imali mboleko yomthengi ukukhishwa kwezimali okungahlosiwe, ukhululekile ukuzisebenzisa ngokuthanda kwakho. Amakhadi esikweletu nawo abhekwa njengesikweletu somthengi. Ibhange alinawo amandla okulawula ukuthi uzisebenzisa kanjani lezi zimali.

Kodwa-ke, imoto isebenza njengesibambiso uma ufaka isicelo sokubolekwa imoto. Ibhange alilahlekelwa lutho nhlobo uma kwenzeka ikhasimende lingenamali - imoto iyathathwa bese ithengiswa. Isiqinisekiso sokukhokhwa kwenani lemali ebolekiwe yomthengi singamazinga aphezulu kakhulu, angafinyelela kumaphesenti angama-67 ngonyaka, kuyilapho ngokwesilinganiso amanani asuka kumaphesenti angama-20-60.

Ibhange alifaki noma yiziphi izidingo ezikhethekile zeklayenti; ukuthola inani elifinyelela ku-250 XNUMX, awudingi ngisho nokuqinisekisa iholo lakho.

Kunezinhlelo lapho ungathola khona ukheshi ngokuvikeleka kwempahla - ifulethi, imoto, indawo, ubucwebe. Ibhange lingase futhi lidinge lowo obolekayo ukuthi akhiphe umshwalense we-VHI.

Iyiphi kulezi zinketho ezimbili engcono?

Kunzima ukusho ngokungananazi ukuthi iyiphi kulezi zinketho ezimbili engcono. Sizozama ukubheka ngamehlo omthengi ojwayelekile

Imalimboleko yemoto:

• inkokhelo ephansi iyadingeka;
• kuyadingeka ukukhipha i-CASCO;
• I-PTS ihlala ebhange.

Uma ubala ukuthi izindleko ze-CASCO ngonyaka cishe zingamaphesenti angu-5-8 wezindleko zemoto, khona-ke ungakwazi ukwengeza lawa maphesenti esilinganisweni, kuvela ukuthi awukweleta u-15% ngonyaka, kodwa u-20. imoto ifakwe umshwalense kuzo zonke izingozi.

Ikhredithi yomthengi:

• inzalo ephezulu;
• asikho isidingo sokukhipha i-CASCO;
• akukho nkokhelo edingekayo.

Ake sicabange ngezimo eziningana. Ngokwesibonelo, umuntu akanalo ngokwanele 200 ayizinkulungwane ukuthenga imoto 800 ayizinkulungwane. Uma ekhipha imali yokubolekwa kwemoto, kuzovela ukuthi inkokhelo yakhe izoba ngamaphesenti angu-75, uzonikezwa izimo ezijwayelekile kakhulu - amaphesenti angu-15 ngonyaka. Ngonyaka ukhokha ngaphezulu kwezinkulungwane ezingama-30 kuphela. Engeza lapha izindleko ze-CASCO (amaphesenti angu-8), kuvela 64 + 30 = 94 ayizinkulungwane.

Uma ethathe izinkulungwane ezingu-200 ezifanayo ngesikweletu ngamaphesenti angu-30, khona-ke i-overpayment eyizinkulungwane ezingu-60 izophuma. Ngaphezu kwalokho, engeza i-CASCO eyengeziwe, nakuba engeke ayidwebe, kodwa uma imoto yebiwe noma kunengozi, khona-ke umuntu uzosala engenamali futhi engenamoto.

Nakanjani kuleli cala, imalimboleko yemoto ingcono.

Uma uthenga imoto esetshenzisiwe ngesikweletu, futhi ngesikhathi esifanayo awudingi i-CASCO, ngoba imoto isegaraji, futhi unolwazi oluhle lokushayela, khona-ke, mhlawumbe, kulokhu, ukubolekwa komthengi kungaba ngcono. .

Hhayi-ke, isimo esivame kakhulu lapho umuntu engazange aqoqe amaphesenti ayi-10 ezindleko futhi efuna ukuthatha imoto ngesikweletu isikhathi esingaphezu kweminyaka emi-5, khona-ke ukukhokha ngokweqile kuzoba kukhulu kuzo zombili izinhlelo, kepha ngesikweletu semoto, noma kunjalo. , kuzodingeka ukhokhe imali encane, ngisho ne-CASCO.

okutholakele

Ukubolekwa kwemoto kungcono ezimeni lapho udinga ukukhokha iningi lezindleko zemoto. Uma uthenga imoto esetshenzisiwe noma entsha, awunayo amashumi ambalwa wamaphesenti, futhi uhlela ukukhokha yonke imali ebhange ngesikhathi esifushane, khona-ke isikweletu somthengi sizoba ngcono.

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