Ingabe kufanelekile ukuthatha imali mboleko yemoto? Embukisweni wezimoto nezimoto ezisetshenzisiwe

E-Europe, ukubolekwa kwemali okuhloswe ngabathengi nokungahlosiwe sekuyinto evamile. Cishe lonke elaseYurophu liphila ngesikweletu. Umkhuba ofanayo usanda kuqala ukusabalala eRussia: ukubolekwa kwezindlu, ukubolekwa kwemoto, ukubolekwa kwempahla yasendlini kanye nezimo eziphuthumayo, amakhadi esikweletu - cishe wonke amaRussia okungenani kanye, kodwa imali ebolekiwe ebhange.

Kuphakama umbuzo osemthethweni - Ingabe kufanelekile ukuthatha imali mboleko yemoto?? Ake sizame ukukuqonda.

Lapha ungagqamisa izici ezinhle nezingezinhle. Ngaphezu kwalokho, ababoleki bazibophezela ngezibopho ezithile emabhange. Ziyini lezi zibopho?

Izinhlangothi ezingezinhle - izibopho ebhange

Okokuqala, ibhange linentshisekelo yokuthi ikhasimende libuyisele yonke imali, kodwa uma ngesizathu esithile lokhu kungeke kwenzeke, ibhange lingasebenzisa unswinyo lwezezimali:

• beka inhlawulo yokukhokha sekwephuzile - ukukhuphuka kwezinga lenzalo, ukwanda kwenani lemali mboleko, amakhomishini okukhokha sekwephuzile;
• thengisa isibambiso - uma umuntu ezithola esesimweni esinzima sezimali, ibhange livele lithathe imoto futhi liyithengise;
• imikhawulo ebalulekile ibekwe phezu kwelungelo lokusebenzisa impahla - ukungakwazi ukuya phesheya.

Isimo esilula kakhulu - umuntu ukhokha imali mboleko, uhlala ekhokha amaphesenti angu-40-20 wezindleko, kodwa kukhona ukuncipha okubukhali kwabasebenzi, inkampani ithola ukulahlekelwa, umuntu uphelelwa umsebenzi. Amandla okubuyisela imali ebolekiwe alahlekile. Ibhange lingahlangana phakathi futhi linikeze izimo ezithembekile, noma lingavele lishaqe imoto, liyidayise ngokuhwebelana, futhi ishibhile ngamaphesenti angama-20-30, thatha yonke inhlawulo, bese ubuyisela okusele kuklayenti. Okusho ukuthi, kuvela ukuthi umuntu uzolahlekelwa imali eningi kakhulu.

Okwesibili, ibhange ngaphandle kokwehluleka lidinga ukubhaliswa komshwalense we "CASCO". Ngokwazi kwethu, inqubomgomo ye-CASCO yonyaka ingabiza amaphesenti angu-10-20 wezindleko zemoto.

Phindaphinda le mali ngesikhathi sokubolekwa imali - iminyaka emi-2-5, futhi kuvela ukuthi kuzodingeka uchithe amaphesenti abalulekile kumshwalense wodwa.

Okwesithathu, ibhange lingakhokhisa imali yokucubungula nokusevisa imali ebolekiwe. Ngokuhamba kwesikhathi, lawa makhomishini azophinde ahumushele kumaphesenti athile ezindleko zemoto.

Awu, ungakhohlwa ukuthi ungumnikazi wemoto yesikweletu ngokusemthethweni kuphela, kodwa empeleni ingeyebhange kuze kube yilapho ukhokha yonke into kuze kube yimali yokugcina.

Ngokusekelwe kulokhu osekushiwo, singaphetha ngokuthi umuntu onquma ukuthenga imoto ngesikweletu ngokuzithandela uzifaka ebugqilini.

Kodwa, njengoba besho, inkemba esika nhlangothi zombili. Yiqiniso, uma umuntu engakwazi ukukwenza kusukela ekukhokheni ukuya ekukhokheni, futhi ngaphansi kwethonya lomfutho ongaqondakali, futhi unquma ukufaka isicelo semali mboleko ebizayo, khona-ke akukho okunengqondo esenzweni esinjalo. Okokuqala nje, ochwepheshe batusa ukubhekana nalezo zimali ezibolekiswayo manje esezimakethe, futhi ukale amathuba akho angempela okubuyisela le mali mboleko ngesikhathi esifanele.

Kuyafaneleka ukusho ukuthi amabhange ahlukene anikeza izimo ezihlukene: kwezinye izikhungo zezezimali, inzalo ingafinyelela ku-20% ngonyaka, kwabanye - 10%. Futhi, amabhange awahlali eveza wonke amakhadi awo - amakhasimende amaningi akhohlisayo abheka iziphakamiso zokukhangisa ezinenzuzo enkulu njengokuthi - "umnikelo onenzuzo enkulu ngo-7% ngonyaka, awekho amakhomishini nokunye", futhi ngenxa yalokho kuvela ukuthi uhlelo olunjalo isebenza kuphela enanini elilinganiselwe lamamodeli ezimoto angadumile kakhulu, kanye nenkokhelo ephansi kufanele okungenani ibe amaphesenti angama-30-50.

Izici ezinhle - imoto yakho namuhla

Kodwa akuyona yonke into edabukisayo, ngoba abaningi bathatha imali ebolekiwe futhi bayikhokhe ngempumelelo.

Inzuzo ebaluleke kakhulu yithuba lokuhamba namuhla ngemoto entsha evela kumthengisi wezimoto. Futhi ukuthi yathengwa kanjani - akudingekile ukutshela wonke umuntu.

Enye impikiswano evame ukucashunwa ukukhuphuka kwamanani emali. Ingamaphesenti ambalwa ngonyaka, eminyakeni enzima kakhulu ingafinyelela kumaphesenti ayi-10-20. Wena, usukhiphe imali ebolekiwe ye-ruble, uzokwazi ngokuqinisekile ukuthi ngonyaka uzodinga ukufaka, isibonelo, ama-ruble ayizinkulungwane eziyi-150, eminyakeni emibili - izinkulungwane ezingama-300. Kodwa eminyakeni emibili, i-300 efanayo ngeke ilingane nama-dollar ayi-10, kodwa i-9, futhi manje ngisho nangaphansi. Ngakho-ke, imoto efanayo oyithengele izinkulungwane ezingama-500 izobiza izinkulungwane ezingama-650 eminyakeni emibili.

Enye inzuzo ukuthi ukubolekwa kwemoto kungase kube ukuphela kwendlela yokuthola imoto yomsebenzi. Isibonelo, usomabhizinisi oqalayo angafaka isicelo sokubolekwa imali yemoto yokuhweba.

Uma ulinda kuze kube yilapho inani elidingekayo lemali liqoqwe, khona-ke "isimangaliso" esinjalo ngeke silindelwe, ngoba nsuku zonke kufanele uchithe imali kokuthile. Njengoba sinezibopho ebhange, sizothatha indlela enesibopho sokusebenzisa izimali.

okutholakele

Ngakho-ke, singasho ukuthi noma yikuphi ukubolekwa kwemali kuyisibopho ebhange kanye nokukhokha ngokweqile, ngisho nokuncane. Funda ngokucophelela umbhalo wesivumelwano: uma sikhulu inani lemali ekhokhwayo kanye nokuba mfushane isikhathi semalimboleko, kuyodingeka ukhokhe kakhulu. Unganciki entuthubeni, hlola ngokweqiniso amakhono akho ezezimali.

Ividiyo yalabo abafuna ukubolekwa imali yemoto enenzuzo,

Iyalayisha...