Ungayithola kanjani imali mboleko evikelwe yimoto, thola imali mboleko evikelwe yimoto

Uma udinga imali yokuxazulula izinkinga zakho zezezimali, ungathola inani elidingekayo ngokushiya noma iyiphi impahla njengesibambiso ebhange noma ngokuletha abaqinisekisi. Kuyoba lula kakhulu ukuthola imali mboleko evikelwe imoto, kodwa amabhange ahlukene abeka izimo ezihlukene:

• amabhange amaningi amukela kuphela izimoto zakwamanye amazwe ubudala obungeqi eminyakeni eyi-10, noma izimoto zasekhaya ezingekho ngaphezulu kweminyaka emi-5;
• ungathemba ukuthola imalimboleko uma imoto yakho isesimweni esihle;
• iminyaka yomboleki kufanele ibe neminyaka engama-21-65 (70), uma umdala noma ungaphansi kwale minyaka, khona-ke imali ebolekiwe ingakhishwa kuphela ngabaqinisekisi;
• imfuneko futhi ukuba khona kwenqubomgomo ye-CASCO, uma ungenayo, khona-ke ungayikhipha ngqo ngebhange.

Umlando omuhle wesikweletu nokuthembeka kwakho kudlala indima ebalulekile, isitifiketi semali engenayo siyingxenye eyengeziwe, nakuba amabhange amaningi azokunikeza imali mboleko evikelwe imoto ngaphandle kwalezi zitifiketi, kodwa-ke, ngeke uthole ngaphezu kwamaphesenti angu-50-60. inani lemakethe yemoto yakho. Ongoti basebhange bazodinga isikhathi sokuhlola isimo semoto. Uma umlando wakho wesikweletu muhle, futhi konke kuhamba kahle ngemali engenayo, khona-ke ungathemba ukuthola amaphesenti amakhulu - 70-80% wezindleko.

Ngemva kokuba imali yamukelwe ezandleni zakho, imoto ihlala esandleni sakho, nokho, ushiya isethi yesibili yokhiye nesitifiketi sokubhalisa ebhange. Ngaphezu kwalokho, awuvunyelwe ukuya phesheya kanye nokungabibikho isikhathi eside edolobheni ofake kulo isicelo sokubolekwa imali. Izimo zesikweletu azizona ezivumayo kakhulu - kusuka kumaphesenti angu-17 kuya ku-25 ngonyaka isikhathi esiyiminyaka engu-0,5-5, inzalo ikhokhiswa ibhalansi yesikweletu. Uma kwenzeka ukubambezeleka, ibhange likunika iminyaka emibili ukuthi ukhokhe isikweletu.

Ama-pawnshops e-Auto nawo asedumile manje, kodwa uma eqhathaniswa namabhange, anezinkinga eziningi kanye "nezingibe":

• imali ebolekiwe yesikhathi esifushane engekho ngaphezu konyaka owodwa;
• uzothola umkhawulo wezindleko ezingama-70%;
• ukukhokha ngokweqile kungafika ku-100% ngonyaka;
• uma kwenzeka ungakhokhi, imoto yakho izothola ngokushesha umnikazi omusha futhi akekho ozobhekana nawe isikhathi eside mayelana nezizathu zokungakhokhi.

Phakathi kwezinye izinto, ngokusebenzisa izinsiza ze-pawnshop kuzodingeka ukhokhe imali yezwe, ezoba cishe u-1-5% wesamba semali ebolekiwe. Izinkonzo zama-pawnshop zisetshenziswa kuphela uma ingasekho indlela yokuthola imali ebolekiwe.

Iyalayisha...