Mubhagi ripi ibhadharo yemotokari inobatsira zvikuru?

Parizvino, chimwe chezvinhu zvakakurumbira zvebhengi iko chikwereti chekutenga motokari. Inopiwa nevakawanda mari yezvemari pamitemo yakasiyana-siyana yevatengi. Munhu wose anoronga kutenga kutakura, zvinonakidza kuziva nezvekuti unogona kuwana chikwereti chemari yemari inobhadhara zvikuru, nokuti mamiriro ezvinhu emabhanga akasiyana anogona kunge akasiyana zvakasiyana. Dambudziko rekukwikwidzana rinokurudzira matanho emari kukudziridza zvirongwa zvakanaka zvevanhu. Nhasi, motokari yega yega yega inotengwa pachikwereti, saka unogona kugumisa kuti kufarirwa kwezvikwereti zvekutenga motokari. Mabhandi anobata pamwe nekutengesa motokari, kuderedza mitengo yekukwevera kune vavanotarisira.

Mota Motokari muRussia: Zvimwe Zvikamu

Bhuku rimwe nerimwe rebhange rine zvarinoshandisa, kusanganisira chikwereti chemari inobhadhara zvikuru. Mumabhangi ayo madiki pasi, maitiro akavimbika uye zvishomanana mari yekutanga - ikoko uye iwe unoda kuita chibvumirano. Nzvimbo dzemari dzemazuva ano dzinovandudza zvirongwa zvitsva zvevagari vemo.

Chikwereti chemotokari chikwereti chinotengwa nevatengi, kuchengetedzwa kweyo motokari yakatengwa. Pamusana pekuti TS ichava mubhadharo, mabhanki anoda kubhadhara mutemo weCASCO. Vazhinji vagari vanotenda kuti chikwereti chikuru chemotokari ndeimwe isingafaniri kutenga inshuwarisi. Kune mapurogiramu apo isingadiwi, asi munyaya iyi yose yekugadzirisa mari inotakurwa nevatengi kana motokari ichikuvara uye inotambura. Mukuwedzera, kubvumira kweCASCO nheyo, sekutonga, kwawedzera chido chekuda.

Mapurogiramu emari ekubhadhara motokari ane zvimwe zvikamu:

1. Mari iyo mutengi kazhinji haagamuchiri, iyo inokurumidza kuendeswa ku-account ye showroom, uko kutenga kunogadzirwa.
2. Mahombekombe mazhinji anopa chikwereti chete mushure mekunge mutengi aisa dhipiti ye-10% yehuwandu hwemotokari.
3. Kutakura kunoramba kuripo kubhengi kusvikira muchengeti akadzorera zvakakwana chikwereti.
4. Motokari yemotokari inochengetwa mubhangi isati yavharwa.
5. Munenge nguva dzose, mutemo unodhura weCASCO unodiwa.

Vagari vanogadzirira kutora chikwereti chemotokari, mazwi anonyatsonaka anogona kupiwa kana mutengi achibhadhara chikwereti. Kana zvisina kudaro, iwe uchafanira kubhadhara chikwereti pazinga rakakosha. Kusavapo kweCASCO kunowedzerawo mari yechikwereti ne 3-5% pagore.

State support

Iko kune chinhu chakasiyana-siyana-chibhadharo chemari inowanzobhadhara zvikuru nebhasiro kubva kuhurumende. Hazvipi zvakapiwa nemarudzi ese emari, sezvo iri purogiramu yemutungamiri wenyika. Pakati pekupa, unogona kutenga motokari yekuRussia inogadzira. Uyewo kune dzimwe mhando dzekune dzimwe nyika dzakaungana mumapurazi edzimba, uye vanogona kugamuchira chikwereti chemari yemari yakawanda kwazvo muRostov, kuMoscow nemamwe maguta.

Kubhadhara chikwereti chezvikamu zviviri kubva kune zvitatu zvechido chekubhadhara motokari. Inotarirwa pamwero weCentral Bank, iyo inoshanda panguva yekunyora kwekutengesa. Somuenzaniso, mutengi anoronga kutenga motokari pachikwereti kubva kuSberbank, uko muwandisi wepamusoro uri 13.5-18%. Nokutsigirwa nehurumende, akakwereta achada kubhadhara 6.5-7% pasi. Somugumisiro, kutakurwa kuchava kwakadhura kune mutengi, uye mabhizimusi emabhizimisi anotengesa zvigadzirwa zvavo.

Pasi purogiramu nebhasiro yehurumende, unogona kutenga motokari kusvika ku 3.5 matani uye mari inopfuura 1 mamiriyoni 150 maRubles. Bhizinesi harinopa 90% yemari yekutakura. Nguva yezvikwereti zvechipo ichi haisi makore anopfuura matatu.

Mari iyo inobhadhara mari yakawanda: pasi pfupi

Chimwe chezvinhu zvinonyanya kukosha kune vatengi ndezvekubhadharwa mari shoma pasi pemvumo yezvikwereti. Kuti unzwisise zvakakwana chikamu chaunofanira kubhadharwa zvakadarika mari yemotokari, iwe unogona kushandisa chikwereti chekukwereta, chiripo kune mawebsite ezvimwe zvikwereti zvemari. Nekubatsira kwechiri ichi, unogona kuverenga basa rebhajari paunyoresa chikwereti uye uchiona zviripo zvekubhadhara mari.

Kuwedzera kwekutenga mutengo zvakananga kunobva pachiyero chemari iyo iyo chikwereti chinyoresa. Ndekupi chikwereti chemotokari chinobatsira zvikuru? Chido chinonyanya kukosha chinopiwa neBhangi yeMoscow, Uralsib uye Unicredit Bank. Pano iwe unogona kuwana chikwereti pazinga re 9-14% pagore.

Chechi chikamu chekubhadhara

Nzvimbo dzakawanda dzezvemari dzinoda mari inogona kusvika kusvika ku40% yemari yemotokari, uye ichi chikamu chikuru. Mari yechikwereti yemotokari inobatsira zvikuru muVolgograd nemamwe maguta eRussia chikwereti nemari shoma shoma kana pasina iyo. Iwe unogona kuzviwana mumabanki VTB 24, MDM neAltaienergo.

Zvisinei, inofanira kuonekwa kuti kusakosha kwechipo chekutanga kana kuti zvishoma zvingaita zvikuru kuwedzera chiyero chechido. Mukuwedzera, mamwe masangano emari akaisa mamwe mamiriro ezvinhu. Somuenzaniso, unogona kutenga chete motokari yekunze inokosha hafu yemamiriyoni. Nokudaro, zviri kumutengi kusarudza chikwereti chemotokari chinobatsira zvikuru (kana kana pasina chikwereti chakabhadhara).

Rudzi rwemotokari

Parizvino, kukweretesa mapurogiramu kunokubvumira kutenga zvitsva nemotokari yakasangana muRussia uye kune imwe nyika. Mubhengi rimwe nerimwe kune mamwe mamiriro ekutsigira zvikwereti zvekutenga motokari. Mune dzimwe nguva unogona kutenga chete motokari itsva, vamwe, zvisinei, vanokwereta vagari vanogadzirira kutenga motokari ine mileage.

Kune mabhanki umo mabhengi anopiwa chete kune dzimwe nyika dzakagadzirwa nemakumbo emotokari (Raiffeisenbank). Zvishomanana zvikwereti zvemari zvakagadzirira kupa mvumo yekutenga motokari yaive iri kushandiswa, uye iyo yakagadzirira, inoita zvakanyanya kudai motokari (gore rekugadzirwa, mamiriro ezvinhu, nezvimwewo). Maererano nevatengi vakawanda, chikwereti chebhasi yemari inowanikwa zvikuru muUfa nemamwe maguta eRussia Michina-yechipiri-maoko inogona kubudiswa paGazprombank.

Inishuwarenzi

Kweretesa yemotokari muRussia yakasiyana nedzimwe mishonga yebhangi mune imwe yezvinhu zvinotarisirwa zvekutengeserana ndeyokuwanikwa kwehurongwa hweCASCO. Ichokwadi ndechokuti motokari yakatengwa ichava mubhangi mubhadharo kusvikira uyo akakwereta achidzorera zvakakwana chikwereti chacho chose. Mune zvese zvinoratidzira, mabanki anotaura mazwi ekukweretesa, ayo anoshanda chete kana purogiramu yakakwana yeinishuwarenzi inobudiswa.

Nokuda kweinishuwarenzi, kutenga kunowedzera kunodhura dzimwe nguva. Kana kukaramba kutenga mutemo, akakwereta achakwanisa kuponesa pamutengo wokutanga, asi chikwereti chikwereti chichawedzera. Mukuwedzera, iwe unogona kusarudza inshuwari iwe pachako, inogonawo kuchengetedza mari pakutenga mutemo. Zvisinei, kwete yese yezvemari inopa vashandi vavo mukana wekusarudza kambani yveshuwarenzi.

Izvo zvishoma pasi mapepa

Vagari vazhinji havana kunyatsogutsikana nehurumende. Kuti upinde muchibvumirano chechikwereti, unoda huwandu hwehuwandu hwemashoko uye mapepa. Zvisinei, nhasi iwe unogona kuronga chibvumirano nekupa zvinyorwa zviviri chete. Kana tikatarisa zvikwereti zvemari kubva munzvimbo ino, saka bhangi rinobhadhara mari yebhadharo yemotokari, pasi pepasipoti uye yekufambisa mabhizimisi ekugadzirisa zvikwereti, iSberbank yeRussia. Sezvinyorwa zvechipiri, unogonawo kupa SNILS, TIN kana ID yechiuto.

Kuwedzera kune Sberbank yeRussia, maererano nemabhuku maviri, chibvumirano chacho chinogona kuumbwa muRosbank kana VTB 24. Sezvo sangano rezvemari risingagoni kugonesa solvency yemunhu anenge akwereta asina zvikwangwani zvakakodzera, chikwereti ichocho chichaendeswa nekuwedzera kufarira. Mukuwedzera, bhangi ringada mari inokosha, iyo isiri nguva dzose yakakodzera kune mutengi.

Zvirongwa kubva kuvakiki

Vazhinji vatengesi vehurumende vanoedza kukudziridza zvipo zvakakosha kune vatengi vanoda kutenga motokari yemamwe marimi kuti vawedzere kutengesa kwezvigadzirwa zvavo. Nokudaro, Toyota Bank ne Renault Nissan Bank yakauya pamusika. Pano unogona kutenga imwe marimi nemuenzaniso pamashoko anonakidza.

Uye zvakare zvakakodzera kubhadhara nguva yekupa zvipo uye mapurogiramu emabhengi nevatengesi vepamutemo. Sezvo mutemo, mitemo yevatengi pazvirongwa zvakadaro zvekwereti zviri kuedza zvikuru.

Zvirongwa zveV VTB 24

Iri sangano rezvemari ndiro rechipiri guru muRussia uye rinopa vagari nhamba yakawanda yemashandi uye zvigadzirwa. Mari yemari yemari yakakurumbira uye yakanyatsogadziridzwa muB VTB Bank. Pano iwe unogona kukweretesa chikwereti nebhasiro kubva kuhurumende, kushandisa zvigaro zvevashandi vekambani kana kugumisa chibvumirano chakanaka mumamiriro ekugadzirisa zvikamu.

Mamiriro ezvinhu akadai emari yekubhadhara motokari mubhangi iri ndeyotevera:

• Mari yacho haisi mamiriyoni mashanu eruble;
• Iwe unogona kutenga TS yeRussia uye yekunze kwekugadzira;
• Mutengo we14% pagore;
• Deposit - kwete pasi pe15% yemari yemotokari;
• Chibvumirano chinoshanda kusvika kumakore mashanu.

Nhamba inofadza mu Gazprombank

Iri sangano rezvemari rinopa mapurogiramu anobatsira zvikuru kune vanobatana nevatengi. Mutengo wezvikwereti zvemotokari zvakaderera pasi pano, uye mumakore achangopfuura hakuna kumbove nekuwedzera kukuru. Vakwereta vanogona kuronga chibvumirano chechikwereti mubhangi kwegore rinosvika makore manomwe. Nhamba yepamusoro yezvikwereti zvemotokari ndeye 14% pagore, asi nguva dzose vatengi vanogona kuwana tsvina ye5,5% pagore. Bhengi inoda mari - inenge 20% yemari yemotokari uye zvinokwereta zvikwereti muhuwandu hwezvisingasviki mabhiriyoni 4,5 rubles.

Inopa Sberbank

Tsanangudzo yakawanda yezvikwereti zvakasiyana-siyana zvezvikwereti zvemari kune vemuRussia inopiwa naSberbank weRussia. Ikozvino zvinokwanisika kubhadhara chikwereti kutengwa kwemotokari yekune imwe nyika kana yemota motokari. Uwandu hwekubhadhara zvakakwana kunobva pane nguva yechikwereti uye hunosiyana mumiganhu ye 13.5-16% pagore. Mukuvapo kwevheti, zvinokwanisika kugadzira mhanho yemari yemari inobhadhara nehurumende yekubhadhara, kana mutengi haasi kurwisa kutengesa kwedzimba.

Kune mapurogiramu ose, Sberbank inoda kubhadhara mari, iyo yakawanda inofanirwa kuva inenge 15% yebhadharo yemotokari. Maximum ekutenga kwemotokari iri mamiriyoni mashanu eruble. Izwi rechibvumirano chemari chikwereti kusvika makore mashanu.

Sberbank inopa zvikwereti zve 1% pagore pamitengo yemotokari kune zvikamu zvinotevera zvevanhu:

• Vatengi vemubairo;
• Depositors;
• Vatori vemagadhi evanhu vanogamuchira mubairo.