Imali mboleko yemoto enenzuzo kakhulu ingatholakala kuma-capping banks
Ukusebenza kwemishini

Imali mboleko yemoto enenzuzo kakhulu ingatholakala kuma-capping banks

27.06.2022 /

Uma umuntu edinga ngokuphuthumayo imoto, khona-ke ulungele ukutadisha izintaba zolwazi ukuze athole izimo zokuboleka ezifanele kakhulu nezivumayo. Sinake kakhulu isihloko sezinhlelo zezikweletu emakhasini we-portal yethu ye-Vodi.su.

Uma ufunda ngokucophelela lezi zihloko, uzobona ukuthi ukubolekwa kwemoto eRussia akuyona inzuzo enkulu, njengoba kufanele wenze inkokhelo yokuqala, uqinisekise iholo lakho, uthenge i-CASCO futhi, ngesikhathi esifanayo, ukhokhele kusuka kumaphesenti angu-10 kuya kwangu-20.

Wonke umuntu unezifiso ezihlukene ngemoto: othile udinga imoto epholile yezigidi ezintathu, othile ulungele ukuthenga i-sedan yesabelomali sasekhaya ukuze aye ezweni, futhi othile uzosebenzisa "ayisishiyagalolunye" okwanele. Kulokhu udinga ukwakhela phezu, ukhethe okunikezwayo okuzuzisa kakhulu ngokwakho.

Imali mboleko yemoto enenzuzo kakhulu ingatholakala kuma-capping banks

Ngeke sibhale amagama amaningi amabhange aseRussia futhi sikhulume ngamanani enzalo - acishe afane. Ngingathanda ukudonsela ukunaka kwabafundi kwinto entsha enjalo yaseRussia njenge-capping banks.

Amabhange abathunjiwe - kuyini?

I-capping bank yisikhungo sezimali esikhethekile esisebenzisana ngokukhethekile nomkhiqizi othile wezimoto. Ngakho-ke amagama: Toyota Bank, BMW Bank, Bank of Tokyo-Mitsubishi UFJ. Abanye abakhiqizi basebenzisana eduze namabhange futhi banikela ngezinhlelo zabo zokuboleka, njengeNissan-Finance.

Iyini inzuzo yamabhange anjalo nezinhlelo ngaphezu kokubolekwa kwemoto evamile?

Into yukuthi abakhiqizi be-automaker abanandaba nenzuzo eyengeziwe njengamabhange ethu (ungakhetha i-epithet ngokwakho). Intengo yemoto isivele ihlanganisa zonke izindleko zokukhiqizwa kwayo: izinto zokwakha, ukulethwa, imali yokuvuselela kabusha, amaholo, imikhankaso yokukhangisa, njalonjalo.

Ngakho-ke, umgomo uwukuthengisa izimoto eziningi nangesikhathi esifushane. Ngakho-ke amanani enzalo aphansi uma kuqhathaniswa.

Ake sibheke okunikezwayo okutholakalayo namuhla.

Imali mboleko yemoto enenzuzo kakhulu ingatholakala kuma-capping banks

Toyota Bank inikeza izinhlelo eziningi zemikhiqizo yayo:

  • I-Camry Trade-in - kusuka ku-5,9 ngonyaka;
  • I-Toyota Ihlolwe (i-Toyota eqinisekisiwe) - imali ebolekiwe yemoto enamakhilomitha amakhilomitha - ukusuka ku-9,9 kuya ku-17% ngonyaka;
  • IHybrid - imali ebolekiwe yezimoto eziyingxube iToyota neLexus isuka kumaphesenti angama-8,9 yaya ku-13,3.

Izinhlelo zokubolekwa kwemali zivuselelwa njalo, akunangqondo ukuzibhala zonke, kodwa ingqikithi icacile - inzalo inenzuzo, ezinhlelweni eziningi imibhalo emibili yanele, i-CASCO ne-VHI ayidingeki.

Yiqiniso, kukhona "KODWA" - izimo ezinjalo ezinhle zinikezwa kuphela amamodeli athile, isibonelo, ngobusuku bamaholide oNyaka Omusha, ukukhushulwa kweToyota RAV4 kuqala ku-8,9%, kodwa ngaphansi komnikelo okungenani 30%. . Futhi ukuze uthole i-Camry ku-5,9%, udinga ukufaka idiphozi kusuka kumaphesenti angama-50.

Imali mboleko yemoto enenzuzo kakhulu ingatholakala kuma-capping banks

Okungukuthi, ukunikezwa kunenzuzo ngempela, kodwa kuphela kulabo abangakwazi ukukhokha ngokushesha ingxenye yezindleko zemoto ebizayo evela kwaToyota. Ngaphezu kwalokho, imigomo yokukhetha isebenza unyaka owodwa kuphela, kodwa uma ufuna ukubolekwa imali isikhathi eside, lungiselela amanani ajwayelekile ukusuka kumaphesenti ayi-9 kuye kwayi-17.

BMW Bank, futhi inokuthile engakunikeza amakhasimende ayo:

  • I-BMW Special - izikweletu zezimoto ezintsha, amanani asuka ku-6,5 kuya ku-12,5%;
  • I-MINI Ideal — ikhredithi ye-MINI One isuka ku-5,95 iye kumaphesenti ayi-10;
  • I-BMW enenkokhelo eyinsalela - 11,5-13%.

Kuyacaca ukuthi i-BMW ayikhiqizi izimoto ezishibhile futhi abaningi abasanda kufika abaziphuphi, kodwa okungenani i-Dacia Nexia noma i-Lada Kalina, kodwa kufanelekile ukucabangela. Isibonelo, uchungechunge lwe-BMW 3 ngaphansi kohlelo olukhethekile lwe-BMW luzobiza cishe izinkulungwane eziyi-18-25 ngenyanga. Izimo zimi kanje: umshuwalense oyimpoqo we-CASCO, umnikelo we-15%, izinga kusuka ku-6,5 kuya ku-12,5 - izinga lincike esikhathini sokubolekwa kwemali. IBMW X3 SUV ngaphansi kwalolu hlelo izokubiza u-25 XNUMX ngenyanga.

Imali mboleko yemoto enenzuzo kakhulu ingatholakala kuma-capping banks

Abantu abanemali engenayo ekuvumela ukuthi ukhokhele izikweletu ezinjalo, yiqiniso, ngeke badlule ngokunikezwa okunjalo.

Uma sithatha isibonelo uhlelo lwezezimali Nissan Finance, khona-ke sizobona ukuthi sinikezwa izimo ezihloniphekile. Ngakho-ke, kukhona okunikezwayo kwama-crossovers nama-SUV: i-Murano, i-Patrol, i-X-Trail, i-Navara. Uma ngokushesha ufaka amaphesenti angu-30 ezindleko ze-Nissan Murano (kuzoba yizinkulungwane ezingu-485) futhi ufake isicelo sokubolekwa imali ngonyaka, uzodinga ukukhokha cishe izinkulungwane ezingama-80 ngenyanga. Inkokhelo engaphezulu izoba ngamaphesenti angu-4,9 kuphela.

Kukhona ukukhushulwa kweNissan Juke - Zero phesenti iminyaka emibili. Kodwa lokhu uma ukhokha ngokushesha isigamu sezindleko - 300 ayizinkulungwane. Ngenyanga uzodinga ukukhokha ruble ayizinkulungwane 13 kuphela. Kulabo abangakwazi ukukhokha ngokushesha okungaka, ungakwazi ukuphula yonke imali eminyakeni engu-3-5, nakuba iphesenti lizoba ngaphezulu - 8,9-14,9, futhi kuzodingeka ukhokhe izinkulungwane eziyi-14-15 ngenyanga.

Imali mboleko yemoto enenzuzo kakhulu ingatholakala kuma-capping banks

Uma uthanda, ungathola izinhlelo eziningi ezinjalo ezivela kwaRenault, Peugeot, Mitsubishi, Mazda nabanye abakhiqizi. I-VW ne-Skoda nabo banezabo zokuphromotha ezinenzuzo.

Sicela uqaphele ukuthi abakhiqizi abaningi bakwamanye amazwe babamba iqhaza ohlelweni lokuphinda basebenzise futhi banikeze izaphulelo zezinkulungwane ezingama-40-50, kuncike ekushintsheni kwemoto endala ukuthola entsha. Ngeshwa, okuningi kwalokhu okunikezwayo kusebenza ezimotweni ezisesigabeni samanani aphakathi nendawo naphezulu.




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