Ukuqashiswa kwezimoto kwabantu ngabanye

Ukuqashiswa kwezimoto kwabantu ngabanye kwanikezwa eRussia ngenjongo yokusetshenziselwa ukuthengisa. Okusho ukuthi, umuntu angathola imoto yomsebenzi: itekisi, iveni, izimoto zokuhweba, kanye nemishini ekhethekile.

Nokho, isimo sesishintshile ngemva kuka-2010, lapho amagama athi “ezohwebo” esuswa emthethweni, ngokufanelekile, noma yimuphi umRashiya wayethola ithuba lokuqasha imoto.

Liyini leli gama - ukuqashisa? “To lease” - ngesiNgisi kusho “ukuqashisa”, okungukuthi, ukuqashisa kuyisivumelwano sokuqashisa sanoma iyiphi indawo.

Umqashisi ngumuntu, inhlangano noma uhlaka lwezezimali oluthenga imoto ngezindleko zalo bese luqashisa kumqashi. Ngamagama alula: uzikhethela imoto yohlobo oluthile, wenze isivumelwano nebhange noma inkampani eqashisayo, ibhange lithenga le moto esalon noma kumuntu ozimele bese ikunikeza ngemibandela eshiwo ku- isivumelwano.

Kubonakala sengathi izikweletu zemoto zikhishwa ngohlelo olufanayo: ibhange likukhokhela imoto esalon, bese usuvele uqhuba zonke izindaba zezezimali nebhange. Nokho, kunomehluko omkhulu phakathi kwesikweletu semoto nesivumelwano sokuqashisa:

• ngesikweletu semoto, imoto ngokushesha iba impahla yomthengi futhi yenza njengesibambiso;
• ekuqashiseni, imoto ihlala iyimpahla yenkampani, futhi umthengi uyithatha ngesivumelwano sokuqashisa sesikhathi esifushane noma eside esinelungelo lokuthenga.

Kulokhu siphetha ngokuthi ukuqashisa kuwukuqashisa okunelungelo lokuthenga.

Uma uthanda, ungathenga lesi sisetshenziswa ngemuva kokuphelelwa yisikhathi kwenkontileka, noma ungabhala inkontileka entsha yenye imoto.

Yini-ke inzuzo yebhange noma inkampani eqashisayo??

Kuyacaca ukuthi akekho ozosebenza ngokulahlekelwa, ikakhulukazi amabhange noma izinkampani eziqashisayo. Cabangela ukuthi yiziphi izimo umuntu avumelana nazo lapho enza isivumelwano sokuqashisa. Ukuze wenze lokhu, iya kuwebhusayithi yanoma iyiphi inkampani futhi ufunde ngokucophelela imigomo nemibandela.

Ngakho-ke, izimfuneko ziyizi:

• inkokhelo kusengaphambili, okungaba kusukela Amaphesenti angu-10 izindleko;
• isilinganiso sonyaka sezinga lokwazisa - ngokuyisisekelo, lokhu kuyafana namazinga enzalo onyaka, kodwa ngokuqashisa aphansi, inani elikhulu lemali ekhokhwa kusengaphambili;
• izimo zokubuyisela emuva - ukuze imoto ibe impahla yomuntu ngokuphelele, kuzodingeka uthenge ubunikazi bemoto esikhungweni sezezimali, futhi lokhu ngaphezu kwalokho 10% wezindleko.

Ukuze kucace, kubalwa ukuthi ingakanani imoto ethengwe ngaphansi kohlelo lwemalimboleko yemoto kanye nesivumelwano sokuqashisa sizosibiza. Isibonelo, uthola isikweletu semoto ngama-ruble ayizigidi ezingu-1,2, wenze inkokhelo ephansi engu-20%, futhi ukhokhe zonke izindleko ezinyangeni ezingu-24 ngamaphesenti angu-15,5 ngonyaka. Isamba sezindleko zakho sizoba ngama-ruble ayizigidi ezingu-1,36 iminyaka emibili.

Ukuze uqashise imoto efanayo ngenkokhelo kusengaphambili yamaphesenti angu-20, kuzodingeka ukhokhe izinkulungwane ezingama-240 kuphela, okungukuthi, uzosindisa cishe ama-ruble ayizinkulungwane ezingu-120 - umehluko omkhulu.

Kuyaqapheleka futhi ukuthi izinkampani eziqashisayo zinikeza izinhlobo ezimbili zezinkontileka:

• ngokuthengwa kwamalungelo omhlaba;
• ngaphandle kwesihlengo.

Ngendlela, lezi zinhlobo zokugcina zithandwa kakhulu eYurophu. Uma sikhuluma nje, umuntu akazikhathazi ngalutho: udweba inkontileka yeminyaka emibili kuya kwemihlanu, ukhokha imali ebanjwa nyanga zonke eyimpoqo esifundeni sezinkulungwane eziyi-10-15 ngenyanga, futhi uthatha zonke izindleko zokusevisa imoto. Lapho inkontileka iphela, inkampani eqashisayo ithengisa imoto, futhi umuntu, uma efisa, uphetha inkontileka entsha yenye imoto.

Kuyafaneleka futhi ukuqaphela ukuthi umshuwalense we-CASCO kanye ne-OSAGO ukhokhwa ngumqashi, futhi lezi zindleko ekugcineni zikhokhwa ngumthengi, njengoba zifakwa ngokushesha emigomeni yenkontileka.

Indlela yokuqasha imoto?

Udinga nje ukuxhumana nenkampani eqashisayo noma ibhange elihlinzeka ngezinsizakalo ezinjalo kubantu ngabanye.

Udinga ukuba nesethi eyisibopho yamadokhumenti nawe:

• ipasipoti, kanye namakhophi awo wonke amakhasi ayo;
• idokhumenti yesibili oyikhethile kanye nekhophi yayo;
• isitifiketi semali engenayo kanye nekhophi yencwadi yomsebenzi enophawu olumanzi lomqashi.

Iminyaka yakho kufanele ibe ngaphezu kweminyaka eyi-18, futhi kufanele ube nemvume yokuhlala unomphela edolobheni noma esifundeni lapho igatsha lebhange noma lenkampani eqashisayo likhona. Ehhovisi, uzodinga ukugcwalisa ifomu.

Izinkontileka ezinjalo zingadwetshwa kunoma yiziphi izimoto ezibiza ama-ruble ayizinkulungwane ezingu-300 kuya ku-6 million. Ungakwazi futhi ukuthenga izimoto nge mileage akukho kuka 100 ayizinkulungwane km futhi ngentengo akukho ishibhile kuka 400 ayizinkulungwane.

Uma uhlela ukuthenga indawo, khona-ke inkokhelo ephansi kufanele ibe hhayi ngaphansi kwamaphesenti angama-20, uma ungahleli, khona-ke inkokhelo yokuqala ivunyelwe ngamaphesenti ayishumi.

Ukucutshungulwa kwesicelo kuthatha usuku olulodwa kuphela, futhi, kuye ngeholo lakho kanye nenani lesikhathi sangaphambilini, izaphulelo ezibalulekile zinganikezwa ngokwesilinganiso samazinga onyaka wokubonga.

Izinzuzo zokuqashisa

Inzuzo enkulu yokuqashisa ngesikweletu semoto ukuthi i-solvency yeklayenti ayihlolisiswa kakhulu.

Ngaphezu kwalokho, Izindleko eziphezulu zingama-ruble ayizigidi ezingu-6. Inkampani eqashisayo ngokwayo ibhekana nomshuwalense nokubhaliswa kwemoto, bese zonke lezi zindleko zingeniswa kwinkontileka futhi zihlukaniswe izinyanga ezimbalwa - futhi, inzuzo, ngoba akudingeki ukhokhe konke lokhu ngokheshi ephaketheni lakho ngesikhathi esisodwa.

Futhi, njengoba sesibonile, inani eliphelele lokukhokha ngokweqile lizoba ngaphansi - hhayi okuningi, kodwa noma kunjalo, izinkulungwane eziyi-100 azilele emgwaqeni. E-Europe nase-USA, zonke izinzuzo zokuqashisa abantu sekuyisikhathi eside ziqondwa, kuyilapho thina kuphela Amaphesenti angama-3 zonke izimoto zithengwa ngendlela efanayo. Siyethemba ukuthi konke kuzoshintsha maduze.

Iyalayisha...