Imalimboleko yemoto esetshenzisiwe

Ngezikhungo zamabhange, ungathola imali ebolekiwe kokubili imoto entsha nemoto esetshenzisiwe, futhi kuzo zombili izimo, inzalo izoba ngamaphesenti angu-10-11 ngemali yangaphandle noma amaphesenti angu-13-16 ngama-ruble, kuye ngokuthi ibhange elikhethiwe futhi inani lemali ekhokhwayo..

Ngaphandle kokuthi amabhange azimisele ngokuboleka izimoto ezintsha, kungase kube nezinkinga ngezimoto ezisetshenzisiwe.

Okokuqala, kunemikhawulo yobudala bemoto: akukho ngaphezu kweminyaka emithathu yezimoto zasekhaya kanye neminyaka eyisikhombisa yezimoto zakwamanye amazwe. Akunzima ukuqonda inqubomgomo enjalo yamabhange, ibhange liqinisekisa: imoto iba impahla yesikhungo sezezimali ngenjongo yokuthengisa okuqhubekayo, uma kwenzeka ukuthi umboleki akakwazi ukubuyisela imali mboleko.

Okuhlukile kungenziwa kuphela ezimotweni zesigaba se-Premium, izindleko zazo ezidlula ama-ruble ayisigidi nesigamu. Ezimotweni ezinjalo, iminyaka ifinyelela eminyakeni eyi-10 futhi isibalo sabanikazi bangaphambili asidluli kwabane.

Okwesibili, banake mileage: 50 ayizinkulungwane izimoto ezifuywayo kanye 100 ayizinkulungwane izimoto angaphandle. Izimoto impilo yenjini yayo ingaphezu kwesigamu azinakwa. Ngaphezu kwalokho, ukuze kuqinisekiswe i-solvency yomboleki, amabhange adingeka ukuthi abeke phansi izinkokhelo - kusuka ku-20 kuya ku-50% wezindleko.

Iqiniso lesithathu elibalulekile iminyaka yomboleki. Uma ngisho nabahola impesheni bengafaka isicelo sokubolekwa imali yemoto entsha, imali ebolekwa izimoto esezike yasetshenziswa inikezwa abantu abangaphansi kweminyaka engama-25 nangaphezulu kweminyaka engama-55.

Isikhathi semalimboleko, kufanele ngisho, sincishisiwe - ngokwesilinganiso sisuka kowodwa kuya eminyakeni emihlanu. Okungukuthi, sibona ukuthi izimoto ezisetshenzisiwe zibhekwa njengamabhange njengengozi, ngakho-ke zonke izinyathelo ezidingekayo zithathwa ukuze kuvikelwe izithakazelo zabo zezezimali, futhi inzalo eyinhloko yebhange ukwenza inzuzo.

Ukufaka isicelo semali mboleko yemoto enamamayela

Ungakhetha imoto nganoma iyiphi indlela: ezimakethe zezimoto, ngezikhangiso, kumasaluni okuhweba. Izindlela ezimbili zokuqala zihilela izinkinga ezengeziwe: ibhange, ngokungavamile, lisohlangothini lweklayenti, ngakho-ke lizoba nesithakazelo ezindlekweni zemoto ezihambisana nesimo sayo sangempela, ngakho-ke kuzodingeka ukhokhe okwengeziwe ngezinsizakalo zomhloli, okungamaphesenti angu-1-1,5 eyengeziwe kusukela enanini lemoto. Mhlawumbe kungenxa yalesi sidingo ukuthi akuhlali kunenzuzo ukuthi abathengisi bathengise izimoto ngale ndlela.

Ngaphezu kwalokho, ibhange ngeke likhiphe imali mboleko kuyo yonke imoto, okungukuthi, umdayisi uzophoqeleka ukuthi alinde isinqumo sekhomishana kanye nawe, nakuba ngalesi sikhathi iklayenti lingeza kuye futhi likhokhe "ngemali yangempela. ” khona lapho.

Amabhange azimisele kakhulu ukuboleka izimoto ezinamamayela ahamba ngamamayela athengwe ngokudayisa izimoto noma ngokuhwebelana. Ezinkampanini zezimoto, kufanele ngisho, wonke lawa maphepha azophathiswa abaphathi bomnyango obolekayo, abazohlela yonke into ngokwabo, umthengi uzodinga kuphela ukunikeza wonke amadokhumenti.

Yimiphi imibhalo edingekayo ukuze ufake isicelo sokubolekwa imali?

Njengomthetho, lena isethi ejwayelekile:

• ipasipoti enemvume yokuhlala yaseRussia;
• isitifiketi semali engenayo evela endaweni yokusebenza izinyanga eziyi-12 zokugcina;
• ikhophi yencwadi yomsebenzi;
• ipasipoti yamazwe omhlaba.

Ngaphezu kwalokho, amabhange amaningi angase adinge imibhalo eyengeziwe, isibonelo, isitifiketi sokubunjwa komndeni kanye nemali engenayo yomlingani womshado, isitifiketi esivela esikhungweni se-narcological and neuropsychiatric dispensary, kanye nemvume yamanye amalungu omndeni ukuze afake isicelo semali mboleko.

Uma uthenga imoto kumuntu ozimele, uzodinga ukuthi uze nekhophi yesitifiketi sokubhalisa, ngaphezu kwawo wonke amadokhumenti angenhla. Futhi lapho isinqumo sokunikeza inani elidingekayo lezimali sivunyiwe, uzodinga ukuza ehhovisi lebhange nomthengisi ukuze usayine inkontileka yokuthengisa.

Ibhange lizophinde likufune ngesibopho ukuthi ufake umshwalense wemoto ngaphansi kwe-CASCO, futhi inani lomshuwalense wezimoto ezisetshenzisiwe lizoba phezulu kunezintsha. Ibhange lingase libeke ngisho nombandela wokuthi uma i-CASCO ingakhishwa, izinga lokubolekwa kwemali lingakhuphuka.

Njengomthetho, amabhange azokunikeza uhlu lwezinkampani zomshwalense, kodwa kufanele ukhethe kuphela lezo oqinisekile ngazo. Ngemuva kokuvunyelwa kwesinqumo semalimboleko, umnikazi unikezwa isikhathi sokuhamba kuzo zonke izinqubo: ukubhaliswa kabusha, umshuwalense, ukuthola izinombolo, yonke imibhalo, ukuhlolwa kobuchwepheshe okudlulayo. Kuze kube yilapho i-ruble yokugcina ebolekiwe ibuyiselwa, imoto empeleni iyoba impahla yebhange, isihloko sizogcinwa endaweni yokugcina. Nokho, ngemva kokukhokha yonke imali, ungakwazi ngokuziqhenya kubhekwa umnikazi ogcwele imoto esetshenziswa.

Kwabaningi, ukubolekwa kwemoto esetshenzisiwe kuwukuphela kwendlela yokuthola imoto yakho. Kodwa-ke, ungakhohlwa ukuthi lapho uthenga izimoto ezintsha, kungase kube nezimo ezingcono kakhulu zesikweletu, ama-salon amaningi azophinde anikeze ukukhushulwa okuhlukahlukene, njengokufakwa kwamahhala kwesistimu yokulwa nobugebengu noma isethi yamathayi asebusika njengesipho. Nakuba izimoto ezisetshenzisiwe, ukunyuswa okunjalo akusebenzi. Okusho ukuthi, udinga ukucabangela ngokucophelela zonke izinketho ezitholakalayo bese ukhetha okufanele kakhulu.

Iyalayisha...