Isitolo sezimoto esivikelwe yi-PTS: ukubuyekezwa kwethu kwensizakalo

Uma udinga imali ngokushesha, ungayithola ngezindlela ezihlukahlukene. Namuhla eMoscow nakwamanye amadolobha aseRussia kukhona ama-pawnshops amaningi lapho ungathola khona imali mboleko evikelwe izinto ezihlukahlukene - izinto zasendlini, ubucwebe, omakhalekhukhwini. Kodwa uma udinga inani elikhulu ngokwanele - kuze kufike esigidini noma ngaphezulu, ungasebenzisa izinsiza ze-pawnshop yemoto ngokupena imoto yakho.

Sicela uqaphele ukuthi ama-pawnshops amaningi anikezela ngemalimboleko yemali evikelwe ngesihloko. Izinzuzo kuleli cala zisobala: uthola imali ezandleni zakho, ngenkathi usebenzisa imoto, njengangaphambili. Ingabe kunenzuzo? Ake sizame ukubhekana nalolu daba ku-autoportal yethu yabashayeli bezimoto iVodi.su.

Izimo

Ngakho-ke, uma udinga imali ngokushesha, kodwa ungafuni ukuhlukana nemoto, ungasayina isivumelwano ne-pawnshop isikhathi esingangenyanga kuya eminyakeni emibili futhi uthole izandla zakho phezu kwenani elizoba ngu-40-50. amaphesenti aphansi kunevelu yangempela yemakethe yemoto yakho.

Ungalisebenzisa kanjani leli thuba?

Okokuqala, udinga ukuthola i-auto pawnshop - lokhu akufanele kube yinkinga: faka isicelo esifanele ku-Google noma ku-Yandex futhi izixhumanisi eziningi zizovuleka phambi kwakho.

Izimo zicishe zifane yonke indawo:

• shayela abaphathi benhlangano, noma ugcwalise ifomu elijwayelekile esizeni;
• khombisa idatha yemoto yakho - imodeli, umkhiqizo, unyaka wokukhiqiza, imayela, usayizi wenjini, njalonjalo;
• Uzokwaziswa ngenani kanye nezinga lenzalo kusengaphambili;
• ufika ekhelini elishiwo noma beza kuwe, bahlole imoto, niye e-pawnshop ndawonye, ​​​​sayina inkontileka futhi uthole ukheshi ezandleni zakho.

Konke kulula futhi kulula, kodwa lokhu kubonakala ekuqaleni.

Bhekisisa kahle imigomo yenkontileka futhi uzobona okulandelayo:

• Akekho ozokukhokhela imali yangempela yemoto. Uma usebenzisa isevisi "Imalimboleko evikelwe i-TCP", khona-ke umkhawulo ozowuthola ungamaphesenti angama-50-60 wezindleko;
• izinga lenzalo liphezulu impela - amaphesenti angama-6-15 ngenyanga. Kwamanye ama-pawnshops, babhala ngokuqondile ngosuku - amaphesenti angu-0,3-0,5 ngosuku. Uma uthatha imali mboleko isikhathi eside, izinga lingancishiswa libe ngu-0,2 (6% ngenyanga iyinani eliphansi kakhulu esingalithola);
• abamukeli noma yiziphi izimoto, kodwa kuphela lezo, uma kwenzeka zingakhokhi, zizokwazi ukuthengisa, okungukuthi, izimoto zasekhaya ezingekho ngaphezu kweminyaka engu-5-8, izimoto zakwamanye amazwe azikho ngaphezu kweminyaka eyi-10.

Kuyacaca ukuthi kunengqondo ukusebenzisa isipho esinjalo kuphela kulezo zimo lapho imali idingeka kakhulu, futhi kwezinye izindawo abakunikezi. Thatha umshini wokubala futhi ubale (inzalo ibalwa ngendlela yokuthi isikhathi osibolekayo sibe mfishane, sikhuphuke izinga) - amaphesenti angu-6 ngonyaka, inkokhelo engaphezu kuka-72%, ibhekwa njengebhalansi, kodwa kusekuningi. .

Ngendlela, izimo emabhange zithembeke kakhulu, futhi zinikeza imali mboleko evikelwe yi-TCP:

• I-Renaissance Credit - 28% ngonyaka;
• Moscow Credit Bank - 25;
• I-BystroBank - 30-35;
• Ibhange laseMoscow - 19,5-25.

Yiqiniso, ebhange elivikelwe yi-TCP, bangadinga umshuwalense we-CASCO, ngoba bafuna ukuqiniseka ukuthi uma kwenzeka ingozi, iklayenti lizokwazi ukukhokha izibopho zakhe. Futhi, amabhange anenqubo eyinkimbinkimbi yokuthola imali ebolekiwe. Uma i-pawnshop yemoto izokunikeza imali ngokoqobo ngehora, ngaphandle kokudinga izitifiketi ezengeziwe namadokhumenti, abasebenzi basebhange bazocela ukuthi ulethe isitifiketi esivela emsebenzini mayelana namaholo, imvume yezihlobo / umlingani / unkosikazi. Futhi nangaphansi kwezimo ezinjalo, kungabathatha izinsuku ezintathu ukwenza isinqumo.

Kodwa ibhange linenye plus engenakuphikiswa - ngeke uthole amaphesenti 50-60, kodwa 70-90% ezandleni zakho.

Ngakho, kukuwe ukuthi unqume ukuthi iyiphi inzuzo enkulu.

Amadokhumenti nokubhaliswa

Uma izimo zivumelana nawe futhi ufuna ukuthola imali esitolo sokudla, udinga ukwethula la madokhumenti alandelayo:

• ipasipoti yakho yomphakathi;
• noma yimuphi omunye umazisi - ilayisense yokushayela, umazisi wezempi, inombolo kamazisi, impesheni, inqubomgomo yomshwalense wezempilo oyimpoqo;
• isitifiketi sokubhalisa - i-PTS (ihlala ku-pawnshop);
• isitifiketi sokubhaliswa kwemoto.

Kulesi simo, iminyaka yakho kufanele ibe neminyaka engu-20-65 ubudala, futhi imoto ibhaliswe egameni lakho. Uma ulethe imoto evela phesheya, khona-ke kufanele ihambe nge-custos clearance ngokuhambisana nomthetho.

Ngemuva kokuthola yonke imali ezandleni zakho, kufanele ukhokhe imali njalo phakathi nesikhathi esibekiwe. Kufanele kuqashelwe ukuthi ama-pawnshops amaningi aphatha amakhasimende ngokwethembeka kakhulu kunamabhange. Isibonelo, uthenge imoto yakho izinyanga eziyisithupha, uthole izinkulungwane ezingama-500 ezandleni zakho. Ukubala okulula kubonisa ukuthi ukukhokhwa ngokweqile kuzoba cishe izinkulungwane eziyi-150-200, okungukuthi, i-pawnshop izodinga ukubuyisela izinkulungwane ezingama-700. Uma ungakwazi ukubhekana nesimo futhi ungakwazi ukukhokha inzalo eyodwa yezinyanga, khona-ke bazohlangana nawe futhi banwebe isikhathi sokubolekwa kwezinye izinyanga ezimbalwa, futhi inani lemali ekhokhwa ngokweqile lizokhula ngokufanele.

Hhayi-ke, uma kwenzeka izinguquko ezinkulu empilweni yakho futhi ulahlekelwa amandla akho okukhokha, imoto izothathwa, izodayiswa, futhi umehluko uzobuyiselwa kuwe. Eqinisweni, kuma-pawnshops amaningi, amakhasimende anikezwa ithuba lokucabanga ukuthi uzobuyisela imali, noma aneliseke ngesigamu sezindleko, kodwa ngesikhathi esifanayo imoto izoba impahla ye-pawnshop.

okutholakele

Ngakho-ke, ukufingqa konke lokhu okungenhla, singakwazi ukuklelisa izinzuzo zokuthola imali ebolekiwe esitolo sezinto ezithengiswayo esivikelwe Isihloko:

• isivinini - isinqumo senziwa ngehora;
• asikho isidingo sokuletha izincwadi eziningi nezitifiketi;
• e-pawnshop ngeke banake indawo yakho yokuhlala kanye nezinga lemali engenayo.

Ngempela, ibhange lingase lenqabe ukubolekwa imali kubantu abahola kancane noma labo ababhaliswe ezifundeni ezingenawo amagatsha asebhange.

Kodwa ukungalungi kuyabonakala futhi ku-pawnshop:

• bamukela kuphela amamodeli agijimayo ezimoto ezingathengiswa ngaphandle kwezinkinga;
• khipha kuphela 50-60% wezindleko;
• amanani enzalo aphezulu.

Ngemva kokuhlaziya yonke le datha, sifinyelela esiphethweni sokuthi i-pawnshop inenzuzo kuphela uma imali mboleko ithathwa isikhathi esifushane - inyanga noma ezimbili, unokuqiniseka okugcwele ukuthi ungakwazi ukubuyisela imali ngesikhathi.

Uma ungeke uthenge emuva i-TCP, khona-ke kulokhu kunenzuzo enkulu ukuthengisa imoto yakho ngokusebenzisa izikhangiso - uzothola lonke inani, hhayi 50-60%.

Iyalayisha...