Chikwereti chemotokari pasina kubhadhara muMoscow

Muguta guru rakadai seMoscow, zvakaoma kuita pasina motokari yako, kunyanya kana iwe uri munhu anoshingaira uye unoda kuva nenguva yemisangano uye kufamba mubhizinesi zuva rega rega.

Mota yakasununguka kubva kuhurongwa hwekutakura veruzhinji uye nekuchengetedza kwakakura, nekuti kana ukawedzera mari yese yekubhadhara yekufamba mumetro nemaminibus, saka semhedzisiro, mari yakawanda inounganidza mumwedzi.

Kutenga motokari nechikwereti nhasi hakuna kuoma sezvazvaimboita. Mabhangi anosangana nezvinodiwa nevatengi uye anopa zvirongwa zvakasiyana-siyana zvekukweretesa. PaVodi.su, takatonyora zvakawanda pamusoro pemari yemari mumabhangi akasiyana, uye munyaya ino tichaedza kufunga nezvenyaya yekutenga motokari nechikwereti pasina kubhadhara muMoscow.

Chikwereti chemotokari pasina kubhadhara muMoscow

Vakawanda vedu tinoda motokari semhepo, asi isu tinodzingwa kubva kumapurogiramu akaenzana echikwereti nekudiwa kwekuita mubhadharo, izvo zvinowanzobva pa10-15 muzana yemutengo. Kana iwe ukatarisa, ipapo mari yacho idiki, semuenzaniso, kana iwe ukatenga Renault Duster ye600 zviuru, ipapo 15 muzana ndeye 90 zviuru rubles. Vazhinji havana moyo murefu kuti vatore mari iyi uye vakagadzirira kunyorera chikwereti chemotokari pasina kubhadhara.

Chii chaunofanira kuyeuka kana ukasarudza iyi nzira?

1. Chekutanga, bhangi mune iyi kesi inotora njodzi, zvinoenderana neinoisa mberi zvakanyanya kuoma zvinodiwa.
2. Chechipiri, bhangi rinogona kuda kuti motokari ive inishuwarenzi kwete pasi peOSAGO chete, asiwo pasi peCASCO yakazara, kureva, "kuba" uye "kukuvadza".
3. Chechitatu, mota inoita sechitsidzo, saka zita racho rinoramba riri mubhangi kana mu salon kwawakatenga mota.

Izvo zvinodiwawo kuti unzwisise zvakajeka musiyano uripo pakati pezvirongwa zvechikwereti chemotokari pasina mubhadharo wepasi uye zvikwereti zvekutaura. Iwo ekupedzisira anowanzo kupihwa sezvikwereti zvemotokari, asi muchidimbu izvi zvikwereti zvemari zvakajairwa izvo zvinopihwa nemitengo yakakwira uye zvinoda inishuwarenzi inomanikidzirwa kubva kune anokwereta, kunyangwe iwe usingade kuisa inishuwarenzi yemotokari pasi peCASCO.

Mabhangi kwaunogona kuwana chikwereti chemotokari pasina kubhadhara

Iko kune chaizvo akawanda emabhangi akadaro. Ngatikurukurei mamwe acho.

Raiffeisen bank inopa chikwereti pasina kubhadhara.

Mamiriro:

• kusvika kumwedzi 60;
• mari yakawanda ndeye miriyoni imwe rubles;
• chiyero - 19,9% pagore;
• Inomanikidzwa CASCO, inishuwarenzi yega haidiwi.

Unogona kunyorera chikwereti ichi uchishandisa magwaro maviri: pasipoti uye chero gwaro rinosimbisa chitupa chako.

Munhu anokwereta anofanira kunge ane mari yakagadzikana (kubva ku15 zviuru muMoscow neSt. mandatory.

Kana iwe uri muridzi webhizinesi rega kana hama yako yepedyo imwe, uye kwegore rapfuura iwe unogona kupa bhari rekambani yekambani nemutero wemutero, ipapo mari yechikwereti inogona kuwedzerwa kusvika 2,5 miriyoni rubles.

Ichi chirongwa chinoshanda chete kune mamwe mamodheru: Chevrolet Aveo, Lacetti, Cobalt, zvakare Opel Astra, Hyundai i30 kana i40.

Anenge chirongwa chimwechete chinopa Mosuralbank. Musiyano chete ndewekuti iwe zvechokwadi unofanirwa kupa kopi yakasimbiswa yebhuku rebasa ine ingangoita mwedzi mitanhatu yechiitiko kwemakore mashanu apfuura, pamwe ne2-NDFL chitupa, kana mutero wekudzoka.

Chikwereti chinogona kutorwa muhuwandu hwe200 zviuru kusvika kumamiriyoni maviri kwemakore anosvika mashanu.

Mitengo:

• nguva yechikwereti inosvika kumwedzi gumi nemiviri. - gumi nesere%;
• 12-36 - 19%;
• 36-60 - 20%.

Iyo mota inoita semhiko, saka iva nechokwadi chekutenga CASCO, uye munyaya yechikwereti chemotokari pasina kubhadhara, inenge isina bhangi ichabatanidza mari yeCASCO mumari yechikwereti -Ichi chiitiko chekuwedzera chakagadzirirwa kusimbisa solvency yemukwereti.

Mamiriro akanaka kwazvo anopiwa kuMuscovites Novikombank:

• mari - kusvika mamiriyoni matanhatu;
• nguva - kusvika makore mashanu;
• mubereko - 13,5-17,5% pagore.

Asi sarudzo yekuburitsa mari nekuiendesa kuaccount yemutengi inogona kutora kusvika mazuva manomwe, uye iwe unofanirwa kupa hombe pasuru yemagwaro, kusanganisira yemuchato kana yekurambana.

Zvakare, mukwereti anofanira kunge aine mari yenguva dzose uye anokwanisa kuisimbisa: basa, 2-yemunhu mutero wemutero, chiziviso, nezvimwe.

Ichi chikwereti hachina kutariswa, saka, kana CASCO, kana DSAGO, uye kunyanya VHI, haidi kupihwa. Imba iri kutengwa ndiyo rubatso. Inobvumirwa kukwezva guarantors uye co-vanokwereta - mune iyi kesi, ivo vanofanirwawo kusimbisa mari yavo.

Nhamba huru yezvirongwa zvezvikwereti zvekutenga motokari pasina kubhadhara kwekubhadhara kunopa AiMoneyBank:

• Standard;
• Standard pasina CASCO;
• VIP Standard Pasina CASCO;
• Mutengesi.

Asi zvinonakidza kuti mabhukwana anongoratidza mwero wemhindu wepasi wakafanana wauchagamuchira kana ukaita muripo wekutanga.

Semuenzaniso, iwe uchagamuchira 7% pagore paunenge uchiita 70% prepayment, nepo pasina mubhadharo wepasi, unofanirwa kuverenga pa15-24%.

Nokudaro, vapepeti veVodi.su vanokurudzira kuongorora mukati memashoko ose echibvumirano kuitira kuti zvirege kuitika kuti "wakatenga" nhamba ye7%, uye zvino zvinozoitika kuti unofanira kubhadhara 24%.

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