Kutenga kana kurenda motokari yemagetsi? – Zano redu

Maererano nebharometer yemwedzi weAvere-France, paiva 93% kuwedzera kunyoreswa kwemotokari dzemagetsi dzakareruka kubva muna Ndira 2018. Musika wemotokari dzemagetsi uri kusimukira. Nekuwedzera kwekupa, iyi mhinduro yezvisikwa iri kukwezva vanhu vazhinji vekuFrance. Pano tinozvibvunza kuti: Tenga kana kurenda motokari yake yemagetsi?

Sei zvakakosha kupa sarudzo kune kureba kwenguva refu kwemotokari yemagetsi?

MuFrance, inopfuura 75% yemari yemotokari dzemagetsi inouya kuburikidza nezvibvumirano kurojesa nesarudzo yekutenga (LOA) kana kurenda kwenguva refu (LLD) maererano neFrench Association of Financial Companies (ASF).

Kubva pamaonero emari, mukana mukuru wekuhaya mota yemagetsi ndiko kusavapo kwekudyara kwakakosha. Sezvo kutenga motokari yemagetsi kuchiri kudhura zvikuru, kurenda kunokubvumira kudzora yako bhajeti nyore uye pamwedzi kugoverwa kwemari.

Zvakanakira kusave nemota ndizvo zvakare yakaoma mhinduro sezvo masevhisi akati wandei anowanzo kuverengerwa mumutengo kana kuwanikwa senge sarudzo (waranti, sevhisi, inishuwarenzi, nezvimwewo). Izvi zvinokutendera kuti uzvisunungure kubva kune zvinogona kuitika zvemari zvisingafanoonekwi.

Paunotenga mota yemagetsi, inorasikirwa ne50% yekukosha kwayo mumakore mashoma ekutanga, uye kuderedzwa kunopfuurira mumakore anotevera. Saka, kutengesazve mota yako kunoreva kurasikirwa nemari sezvo yarasa kukosha kwayo. Kurenda kwenguva refu dzivirira izvi nekuti hapana mubvunzo we resale ; Iwe unogona kuchinja motokari yako nguva dzose uye kunakidzwa nemotokari yako yemagetsi, iyo inogara iri mumamiriro akanaka.

Naizvozvo, kurenda kwenguva refu (LLD) iri kuramba ichizivikanwa mhinduro yemotokari dzemagetsi.

Sei uchitenga motokari yemagetsi?

Tenga kana kurenda motokari yake yemagetsi? Kutenga motokari yemagetsi inova muridziuye, naizvozvo, kuva nekutonga kwakakwana pamusoro pemotokari, kukwanisa kushandisa nzira dzose dzinobvira uye kuzvishandisa pamadiro.

Motokari yako inokubvumira "kukanganwa" pamusoro pemakiromita akafamba. Bhiri iri rakakosha pakuhaya mota yemagetsi.

Kutenga mota yemagetsi investment. Muchiitiko ichi, mubhadharo unogumira pakugadzirisa uye magetsi anodiwa kubhadharisa mota. Avo mari yekushandisa yakaderera kupfuura injini inopisa. Izvi zvinoita kuti zvikwanise kukurumidza kuita kutenga kwemotokari yemagetsi kunobatsira. Zvechokwadi, mari yemafuta inoderedzwa neanopfuura 75% nekuiswa kwemotokari yemagetsi, uye mari yekugadzirisa inoderedzwa ne20%.

Nokudaro, kutenga ndiyo inonyanya kukodzera mhinduro. kana iwe uchida kuva nepamusoro mileage kana iwe uchida motokari yemagetsi kwenguva yakareba (kupfuura makore matatu).

Sei uchitenga kana kurenda motokari yemagetsi yakashandiswa?

Motokari itsva yemagetsi inoda imwe mari; Kusarudza motokari yemagetsi yakagara iriyo inogona kuderedza zvakanyanya mari sezvo motokari inowana mutero. Saka, chikonzero chakadaro mushumo wepamusoro wemhando yepamusoro motokari itsva yemagetsi ichiri kudhura zvikuru. Mukuwedzera, mushure memakore mashomanana chete, inorasikirwa nehafu yekukosha kwayo; chechipiri, kuderera kwekukosha kuri kugadzikana.

Kunze kwemamiriro ehupfumi, mabhenefiti ezvakatipoteredza akakoshawo. Kana motokari yemagetsi iri, zvechokwadi, yakachena kudarika peturu uye dhiziri, mukana wakadaro uchapa motokari hupenyu hwechipiri, kuwedzera nguva yayo, zvichiita kuti pave nekusikwa kwenyika yakasvibirira uye yakangwara. Motokari yemagetsi yakashandiswa inobvumira munhu wese kutyaira akachena achichengetedza mari; mhinduro inobatsira kune ese mapuraneti uye chikwama.

Kuenda mberi: Motokari yemagetsi yakashandiswa: yekutarisa usati watenga