Chikwereti chemota kana chikwereti chemunhu ndechipi chiri nani? Chinyorwa chedu

Motokari yega ndiyo kurota kwevanhu vakawanda, zvisinei, havasi vose vanogona kukwanisa kubhadhara pakarepo mari yose yemutengo wemotokari. Mubvunzo unomuka: kupi kuwana mari inoshaya. Mhinduro chete ndeyekubata bhanga. Mabhangi nhasi anozvipira kupa mari inodiwa pachikwereti, mukuwedzera, kune akawanda mapurogiramu echikwereti chemotokari. Saka iwe unogona kuwana iyo yakarasika mari pasina matambudziko.

Asi bhangi, chekutanga, chimiro chekutengesa chinofarira kuunza mari, saka iwe unozogamuchira mari nemitengo yakakwira.

Ngationei kuti chii chinobatsira zvikuru - chikwereti chemotokari kana chikwereti chevatengi?

Chikwereti chemotokari

Chikwereti chemotokari chikwereti chakanangana. Mutengi haatombokwanise kuona mari iyi muaccount yake kana mumaoko ake. Kana bhangi ikaita chisarudzo chakanaka, saka mari iyi inotumirwa pakarepo kunhoroondo yezvino yemotokari yemotokari.

Kuti uwane chikwereti chemotokari mumabhangi mazhinji, unofanirwa kuita zvinotevera:

• simbisa mari yako - iwe unogona kunge usingashandi, asi mumakore mashoma apfuura iwe unofanirwa kuve uine ruzivo rwegore, mune mamwe mabhanga izvi hazvitorerwe zvakanyanya, mumabhanga ehurumende, kuti ugamuchire chikwereti, unofanirwa kuve kushanda zviri pamutemo;
• huwandu hwemari yako yese pamwedzi haifanire kunge yakaderera pane imwe nhanho - kutaura, nemari inosvika zviuru gumi zveRubles, haungakwanise kuwana chikwereti kunyangwe iyo yakanyanya bhajeti mota;
• chinodiwa kunyoreswa kweinishuwarenzi yeCASCO, uye mamwe mabhangi angangoda kuti utore inishuwarenzi yekurapa yekuzvidira.

Kana tikataura pamusoro pemari yezvibereko, saka ivo vanosvika kubva ku10 kusvika ku20 muzana pagore. Bhanga rimwe nerimwe rinoisa pamberi pezvimiro zvaro. Somuenzaniso, kuti uwane mubereko wakaderera, unofanira kuva mutengi webhangi, kugamuchira muhoro pakadhi rokubhangi, uye kupa ruzivo rwakawanda pamusoro pako sezvinobvira.

Pfungwa inokosha ndeyokuti kuitira kuti uite chikwereti chemotokari, unofanirwa kuita mari yekutanga - kubva 10 muzana yekukosha kwemotokari.

chikwereti chemutengi

Chikwereti chemutengi imari isiri-yakananga kupihwa, wakasununguka kuishandisa sezvaunoda. Makadhi echikwereti anonziwo mutengi kiredhiti. Bhangi harina simba rekushandisa mari idzi.

Nekudaro, mota inoita sechibatiso kana ukanyorera chikwereti chemota. Bhangi rinorasikirwa nechero chinhu kana mutengi achitadza kubhadhara - mota inotorwa uye inotengeswa. Chivimbiso chekubhadharwa kwemari yechikwereti chemutengi yakanyanya, yakakwirira kwazvo, inogona kusvika 67 muzana pagore, nepo paavhareji mitengo inotangira pa20-60 muzana.

Iyo bhangi haiisi mberi chero zvakakosha zvinodiwa kune mutengi; kuti ugamuchire huwandu hunosvika mazana maviri nemakumi mashanu ezviuru, hautombodi kuvimbisa mari yako.

Pane mapurogiramu aunogona kuwana mari pakuchengetedzwa kwepfuma - imba, motokari, nzvimbo yevhu, zvishongo. Bhangi rinogonawo kuda kuti mukwereti abudise mutemo weVHI.

Ndeipi yesarudzo mbiri idzi iri nani?

Zvakaoma kutaura zvisina mubvunzo kuti ndeipi yesarudzo mbiri idzi iri nani. Tichaedza kutarisa kuburikidza nemeso evhareji mutengi

Chikwereti chemota:

• kubhadhara pasi kunodiwa;
• zvakakosha kubudisa CASCO;
• PTS inoramba iri mubhangi.

Kana iwe ukaverenga kuti mutengo weCASCO pagore ungangoita 5-8 muzana yemutengo wemotokari, saka iwe unogona kuwedzera zvikamu izvi kuchiyero, zvinozoitika kuti hauna chikwereti che15% pagore, asi makumi maviri. mota inopihwa inishuwarenzi panjodzi dzese.

Chikwereti chevatengi:

• high interest;
• hapana chikonzero chekuburitsa CASCO;
• hapana kubhadhara kunodiwa.

Ngatimbofungidzira mamiriro akati wandei. Somuenzaniso, munhu haana zvakakwana 200 zviuru kutenga motokari 800 zviuru. Kana akapa chikwereti chemotokari, zvichazoitika kuti kubhadhara kwake kuchava 75 muzana, achapiwa mamiriro ezvinhu chaiwo - 15 muzana pagore. Kwegore anodarika zviuru makumi matatu chete. Ngatiwedzerei pano mari yeCASCO (30 muzana), inobuda 8 + 64 = 30 zviuru.

Kana akatora 200 zviuru zvakafanana pachikwereti pa30 muzana, ipapo 60 zviuru overpayment yaizobuda. Uyezve, wedzera mamwe CASCO, kunyange zvazvo angave asina kuitora, asi kana motokari yakabiwa kana kune njodzi, ipapo munhu wacho achasara asina mari uye asina motokari.

Zvechokwadi munyaya iyi, chikwereti chemotokari chiri nani.

Kana iwe ukatenga motokari yakashandiswa nechikwereti, uye panguva imwechete iwe haudi CASCO, nokuti motokari iri mugaraji, uye une ruzivo rwakanaka rwekutyaira, saka, zvichida, munyaya iyi, chikwereti chemutengi chingave chakanaka. .

Zvakanaka, mamiriro ezvinhu anowanzoitika ndeapo munhu asina kuunganidza 10 muzana yemutengo uye achida kutora motokari nechikwereti kwenguva yakareba yemakore mashanu, ipapo kubhadhara kunenge kwakakura kune mapurogiramu maviri, asi kune chikwereti chemotokari, zvakadaro. , iwe uchafanirwa kubhadhara zvishoma, kunyangwe kusanganisira CASCO.

zvakawanikwa

Chikwereti chemotokari chinodiwa mumamiriro ezvinhu apo iwe unofanirwa kubhadhara mari yakawanda yemotokari. Kana uri kutenga motokari yakashandiswa kana itsva, iwe unoshaya makumi mashoma kubva muzana, uye uronga kubhadhara mari yose kubhangi munguva pfupi, ipapo chikwereti chemutengi chichava nani.

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