Ungayithola kanjani imali mboleko yemoto ebhange - esetshenzisiwe futhi entsha
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Ungayithola kanjani imali mboleko yemoto ebhange - esetshenzisiwe futhi entsha

27.06.2022 /

Ukuba nemoto kuyiphupho lamaRussia amaningi, futhi lingafezeka ngosizo lwemali mboleko yasebhange. Yiqiniso, kuzodingeka ukhokhe inani elibalulekile, kodwa-ke ngeke kudingeke uqoqe imali yemoto isikhathi eside, uziphike izinjabulo eziningi zokuphila.

Ngaphandle kweqiniso lokuthi kunezinhlelo eziningi zokubolekwa kwemali manje futhi ibhange ngalinye linikeza izinsizakalo zalo ekutholeni imali mboleko, izimo ezijwayelekile zihlala zifana futhi zihluka ngemininingwane emincane, njengenani lenkokhelo ephansi noma isikhathi semalimboleko.

Ungayithola kanjani imali mboleko yemoto ebhange - esetshenzisiwe futhi entsha

Izimo zokubolekwa kwemali emabhange amaningi:

  • iminyaka yomboleki - kusukela eminyakeni engama-21 kuye kwengama-75;
  • ukuhlinzekwa kwesitatimende semali engenayo sezinyanga eziyisi-6 ezedlule;
  • ukuba khona kwemvume yokuhlala noma ukubhaliswa kwesikhashana;
  • isipiliyoni somsebenzi weminyaka engu-5 yokugcina kufanele okungenani sibe unyaka ongu-1 (lesi simo asisebenzi kubantu abenza inkokhelo ephansi ngenani le-30% yezindleko zemoto;
  • Ekupheleni kwesivumelwano semalimboleko, iminyaka yakho akumele idlule iminyaka engama-75.

Uma ungaqinisekisa ngokusemthethweni isipiliyoni sakho futhi wethule isitifiketi semali engenayo yezinyanga eziyi-6 zokugcina, uma uneminyaka efanele, ube nokubhaliswa okuphakade noma kwesikhashana, lapho-ke udinga ukuxhumana negatsha lasebhange ngephakheji lamadokhumenti:

  • ipasipoti;
  • inombolo yentela yomuntu ngamunye;
  • isitifiketi semali engenayo noma isitifiketi sokuthola impesheni.

Amanye amabhange angase futhi adinge amakhophi amaphasipoti amalungu omndeni nezitifiketi zokuzalwa zezingane, izitatimende zemali engenayo yonkosikazi, abazali kanye namanye amalungu omndeni.

Ungayithola kanjani imali mboleko yemoto ebhange - esetshenzisiwe futhi entsha

Ebhange, ubhala isicelo mayelana nesifiso sokuthola imali ebolekiwe, ngokuvamile le nqubo ifika ekusayineni ifomu elijwayelekile. Kubekelwe izinsuku eziyisi-5 zokucutshungulwa kwesicelo. Uma ivunyiwe, khona-ke imali ingafakwa ekhadini lepulasitiki noma idluliselwe ngqo ku-akhawunti yomthengisi wezimoto. I-Sberbank, isibonelo, inikeza izinsuku ezingu-180 ukukhetha imoto efanele.

Uma ufuna ukuthenga imoto esetshenzisiwe, ungakhetha izimoto zakwamanye amazwe ezingekho ngaphezulu kweminyaka eyi-10, izimoto zaseShayina nezaseRussia akumele zibe ngaphezulu kweminyaka emi-5. Okudingekayo ukubhaliswa kwe-OSAGO hhayi kuphela, kodwa ne-CASCO, amabhange amaningi nawo adinga umshwalense wokuphila womboleki.

Uma ufuna ukufaka isicelo sokubolekwa imali ngqo endaweni edayisa izimoto, izimo zizoba lula, zibe nkulu inani lokuqala olikhokhayo. Izinga lenzalo liphakathi kwamaphesenti angu-14 no-17 ngonyaka. Kukhona nenani elikhulu lezinhlangano zezikweletu ezibolekisa ngemoto ngenani elingamaphesenti angu-2,5 ngenyanga.




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