Ungayithola kanjani imali yokubolekwa kwemoto yemoto esetshenzisiwe

Kumasayithi ezikhangiso zamahhala noma kumasaluni e-Trade-In, ungakhetha kalula imoto esetshenziswayo esezingeni eliphezulu. Izinga lentengo lapha liphansi kakhulu kunezimoto ezintsha.

Vumelana ukuthi iToyota RAV4 esetshenzisiwe noma iRenault Megane 2008 yezinkulungwane ezingama-350 inhle kakhulu. Yiqiniso, imoto ingase idinge ukulungiswa okwengeziwe, kodwa leli qiniso alibavimbi abanikazi abasha abangaba khona.

Kuwebhusayithi yeVodi.su, sesibhale okuningi mayelana nezinhlelo zokubolekwa kwemali ezivela emabhange ahlukene ukuze kuthengwe izimoto ezintsha. Manje ngithanda ukugxila endabeni yokubolekwa kwezimoto esezike zasetshenziswa.

Imakethe yezimoto yesibili iyinto evamile, hhayi emazweni asathuthuka kuphela, kodwa nakubantu baseYurophu abacebile nabaseMelika.

Izinhlelo ze-Trade-In sezinesikhathi eside zisebenza lapho futhi azikho izinkinga ngokuthenga noma ukuthengisa izimoto ezisetshenzisiwe.

Imigomo yokubolekwa kwebhange ngezimoto ezisetshenzisiwe

Imoto esetshenzisiwe ayisona isihloko esizuzisa kakhulu amabhange. Ngempela, ngokungafani nefulethi emakethe yesibili, imoto esetshenzisiwe ibiza kuphela ngonyaka. Ngakho-ke, amabhange aphoqeleka ukuthi abeke izimo ezengeziwe ukuze azuze kulezo zimali mboleko.

Izilinganiso zenzalo ezimotweni ezisetshenzisiwe ngokuvamile ziba phezulu. Uma emalini ebolekiwe yemoto yemoto entsha ngokuvamile ukhokha kusukela kumaphesenti angu-10 kuya kwangu-20 ngonyaka, khona-ke emotweni esetshenzisiwe, izinga lingafinyelela kumaphesenti angu-30.

Ngaphezu kwalokho, kunezinkokhelo ezifihliwe:

• amakhomishini okuvula i-akhawunti yezikweletu ebhange;
• izimali zesevisi ye-akhawunti.

Inkokhelo ephansi nayo iphezulu: ezimotweni ezintsha ngokuvamile zisuka kumaphesenti angu-10, futhi ezimotweni ezindala - 20-30%, amanye amabhange angadinga u-50%. Isikhathi semalimboleko singafika eminyakeni emihlanu.

Siphinde sikukhumbuze ukuthi ungathenga izimoto ngesikweletu:

• ekhaya - hhayi ngaphezulu kweminyaka emihlanu;
• angaphandle - hhayi ngaphezulu kweminyaka eyi-10.

Sicela uqaphele ukuthi le mfuneko ayisebenzi ezimotweni eziyivelakancane nasezimotweni ze-Premium. Izimoto ezibizayo, njenge-Porsche 911 noma i-Ford Mustang Shelby, zingabiza ngempela.

Ngaphandle kokwehluleka, ibhange lizodinga umshuwalense we-CASCO, futhi ukuze uwuthole, kuzodingeka uhlomise imoto nge-anti-theft system - lezi yizindleko ezengeziwe.

Izinhlobo zokubolekwa kwemoto esetshenzisiwe

Njengoba sibhale kaningi emakhasini e-Vodi.su, kunezinhlobo ezimbili eziyinhloko zokubolekwa kwemali:

• izinhlelo ezikhethekile zokubolekwa kwezimoto ezisebenza ezimotweni ezisetshenzisiwe;
• imalimboleko engeyona inhloso yabathengi.

Amabhange amaningi abambisana nezinkampani ezithengisa izimoto ahlinzeka ngezinhlelo ze-Trade-In - umuntu uqasha imoto endala futhi athole isaphulelo kwentsha. Zonke lezi zimoto ezisetshenzisiwe zithengiswa futhi ungazithenga ngaphansi kwezimo ezifanayo nezimoto ezintsha. Ungase ungadingi ngisho nokuya ebhange futhi ubhale isicelo - zonke lezi zinkinga zizoxazululwa khona lapha esaluni.

Ukufaka isicelo semalimboleko enjalo, uletha iphakethe lamadokhumenti:

• ipasipoti;
• idokhumenti yesibili (iphasipoti, i-VU, umazisi wezempi, isitifiketi sempesheni);
• isitatimende semali engenayo;
• ikhophi yencwadi yomsebenzi enophawu “olumanzi”.

Uma ungasebenzi, ungaletha isitifiketi somsebenzi ozokwenziwa senombolo yentela. Kufanele ube nesipiliyoni okungenani unyaka owodwa eminyakeni emihlanu edlule.

Uzonikezwa uhlu lwemibuzo, futhi ngemva kokulugcwalisa, linda isinqumo, kungase kuthathe kusukela esigamu sehora kuya ezinsukwini ezimbili noma ezintathu.

Uma ukhetha ukubolekwa kwabathengi, khona-ke ipasipoti izokwanela, nakuba isitifiketi semali engenayo sizoba ukwengeza okwengeziwe kuwe. Imalimboleko engahlosiwe inezinzuzo zayo: awudingi ukukhipha i-CASCO, imoto ngeke ibhekwe njengesibambiso, isihloko sizohlala ezandleni zakho.

Izinhlelo zokubolekwa izimoto

Uma uya kuwebhusayithi esemthethweni cishe noma yiliphi ibhange laseRussia, ungathola kalula imigomo yokubolekwa kwezimoto ezisetshenzisiwe. Kodwa lapha siphinde sibhekene nenkinga yakudala - ngeke uthole izimo eziqondile kumasayithi, kodwa kukhona okunikezwayo okuningi njengokuthi "akukho CASCO" noma "akukho ukukhokha".

Nansi, ngokwesibonelo, uhlelo oluvela ku-VTB 24 "Autoexpress esetshenzisiwe" (ngaphandle kwe-CASCO):

• inkokhelo yokuqala - kusuka kumaphesenti angu-50;
• ubudala bemoto - hhayi ngaphezulu kweminyaka engu-9 ngesikhathi sokukhokha imali mboleko;
• kuphela ezimotweni ezikhiqizwa kwamanye amazwe;
• isikhathi sokubolekwa imali kuze kufike eminyakeni emi-5;
• isilinganiso - kusuka kumaphesenti angama-25.

Olunye uhlelo oluvela kwa-AyMoneyBank (ngaphandle kwe-CASCO):

• inzalo engu-10-27% (uma ufaka ngokushesha u-75% wezindleko, izinga lizoba ngu-7% ngonyaka);
• ukuthengwa komshwalense wempilo yomuntu kuyimpoqo;
• inkokhelo yokuqala - ayidingeki (kodwa isilinganiso sizoba ngamaphesenti angu-27);
• qiniseka ukuthi unikeza ubufakazi bemali engenayo;
• iminyaka yomboleki yiminyaka engama-22-65;
• isikhathi semalimboleko - kufika eminyakeni eyisikhombisa.

I-AiMoneyBank, nokho, ikhipha imalimboleko yezimoto ezifika eminyakeni eyi-15 ngesikhathi sokuthenga.

Ziningi izinhlelo ezinjalo ezivela emabhange ahlukene, kodwa zonke zicishe zifane.

Uma uzofaka isicelo semali mboleko yemoto esetshenzisiwe, abahleli beVodi.su batusa:

• ukuqoqa inani elidingekayo lokukhokha (izinkulungwane ezingama-30-60 ngezindleko zemoto ye-250-350 ayizinkulungwane - hhayi kakhulu);
• faka isicelo sokubolekwa imali isikhathi esifushane (kuyoba nenkokhelo encane kakhulu);
• thenga imoto nge-Trade-In - lapha zonke izimoto zixilongwa futhi zizokutshela ngakho konke ukushiyeka, noma kunalokho, ithuba lokuthenga imoto engalimala liyakhula.

Iyalayisha...