Kurojesa mota kune vanhu

Kurejesa mota kwevanhu kwakapihwa muRussia chete nechinangwa chekushandiswa kwekutengesa. Ndiko kuti, munhu anogona saka kuwana mota yebasa: tekisi, koni, mota dzekutengesa, pamwe nemidziyo yakakosha.

Zvisinei, zvinhu zvachinja mushure me2010, apo shoko rokuti "kushandiswa kwekutengeserana" rakabviswa pamutemo, maererano naizvozvo, chero muRussia akawana mukana wekukwereta motokari.

Izwi iri - kurojesa chii? “To lease” - muchiRungu zvinoreva kuti “to lease”, kureva kuti, kurojesa chibvumirano chekurenda chero ipi zvayo nzvimbo.

Mubhadharisi munhu, sangano kana chimiro chemari chinotenga mota nemari yayo uye oikweretesa kumuridzi. Mukutaura kwakapfava: iwe unozvisarudzira mota yeimwe modhi, gadzira chibvumirano nebhangi kana kambani yekurenda, bhangi rinotenga mota iyi kubva ku salon kana kumunhu akazvimiririra uye inokupa iyo maererano nemirairo yakataurwa mu. chibvumirano.

Zvinoita sekuti zvikwereti zvemotokari zvinopihwa zvinoenderana nechirongwa chimwechete: bhangi rinobhadhara mota mu salon iwe, uye ipapo iwe unotoita zvese zvezvemari nebhangi. Zvisinei, pane musiyano mukuru pakati pechikwereti chemotokari uye chibvumirano chekurenda:

• nechikwereti chemotokari, motokari pakarepo inova pfuma yemutengi uye inoita sechivimbiso;
• mukubhadhara, motokari inoramba iri pfuma yekambani, uye mutengi anoitora pane imwe nguva yenguva pfupi kana yenguva refu ine kodzero inotevera yekutenga.

Kubva pane izvi tinogumisa kuti kurojesa chibvumirano chine kodzero yekutenga.

Kana uchida, unogona kutenga midziyo iyi mushure mekupera kwechibvumirano, kana iwe unogona kugadzira chibvumirano chitsva cheimwe motokari.

Ko zvino kubatsira kwebhangi kana kambani yekurojesa?

Zviri pachena kuti hapana achashanda akarasikirwa, uye kunyanya mabhanga kana makambani ekurenda. Funga nezvemamiriro ezvinhu anobvumirana nemunhu pakuita chibvumirano chekurenda. Kuti uite izvi, enda kune webhusaiti yekambani chero ipi zvayo uye unyatsoverenga mitemo nemamiriro ezvinhu.

Saka, zvinotarisirwa ndezvi:

• kubhadhara mberi, izvo zvinogona kubva 10 muzana inodhura;
• chiyero chegore negore chekutenda - mumutemo, izvi zvakafanana nemari yegore negore, asi nekubhadhara ivo ndivo vakaderera, hukuru hwemari yekubhadhara mberi;
• buyback mamiriro - kuitira kuti mota ive yakazara pfuma yemunhu, zvichave zvakafanira kutenga muridzi wemota kubva kusangano rezvemari, uye izvi zviri kuwedzera. 10% yemutengo.

Kuti zvijekeswe, maverengero anopiwa kuti ingani mota yakatengwa pasi pechirongwa chechikwereti chemota uye chibvumirano chekurenda chichatidhurira. Semuenzaniso, iwe unowana chikwereti chemotokari 1,2 miriyoni rubles, ita 20% mubhadharo wepasi, uye kubhadhara yakasara yemutengo wemwedzi makumi maviri nemana pa24 muzana pagore. Huwandu hwemitengo yako huchave 15,5 miriyoni rubles kwemakore maviri.

Kuti ubhadhare motokari imwe chete nekubhadhara mberi kwe20 muzana, iwe uchafanirwa kubhadhara chete 240 zviuru, ndiko kuti, iwe uchachengetedza anenge 120 zviuru rubles - musiyano mukuru.

Izvo zvakakoshawo kuziva kuti makambani ekurenda anopa marudzi maviri ezvibvumirano:

• nekutenga kodzero dzezvivakwa;
• pasina rudzikinuro.

Nenzira, mhando dzekupedzisira dzinozivikanwa zvikuru muEurope. Kutaura zvazviri, munhu haazvinetsi pamusoro pechinhu chero chipi zvacho: anotora kontrakiti kwemakore maviri kusvika mashanu, anobhadhara mari inotarirwa pamwedzi munharaunda ye10-15 zviuru pamwedzi, pamwe chete anotora mari yose yekushandira motokari. Kana chibvumirano chapera, kambani yekurenda inoisa mota kutengeswa, uye munhu, kana achida, anopedzisa chibvumirano chitsva cheimwe mota.

Zvakakoshawo kuziva kuti CASCO neOSAGO inishuwarenzi inobhadharwa nemutoro, uye izvi zvinodhura zvinopedzisira zvabhadharwa nemutengi, sezvo zvichibva zvabatanidzwa mumashoko echibvumirano.

Nzira yekuhaya motokari?

Iwe unongoda kubata kambani yekurenda kana bhangi rinopa masevhisi akadai kune vanhu.

Iwe unofanirwa kuve uine seti yekumanikidza yemagwaro newe:

• pasipoti, pamwe chete nemafotokopi emapeji ayo ose;
• gwaro rechipiri raunosarudza uye kopi yaro;
• chitupa chemari uye kopi yebhuku rebasa rine chisimbiso chakanyorova chemushandirwi.

Zera rako rinofanira kunge riri pamusoro pemakore gumi nemasere, uye unofanirwa kuve nemvumo yekugara zvachose muguta kana dunhu rine bazi rebhangi kana kambani yekurenda. Kuhofisi, unozofanirwa kuzadza fomu.

Zvibvumirano zvakadaro zvinogona kudhindwa kune chero mota dzinokosha kubva ku300 zviuru kusvika 6 miriyoni rubles. Unogonawo kutenga motokari ine mileage isingasviki 100 zviuru zvemakiromita uye nemutengo usingadhuri kupfuura 400 zviuru.

Kana ukaronga kutenga kunze kweimba, ipapo kubhadhara kunofanira kuva kwete pasi pe20 muzana, kana iwe usingarongi, ipapo kubhadhara kwekutanga kunobvumirwa pa10 muzana.

Kugadziriswa kwechikumbiro kunotora zuva rimwe chete, uye, zvichienderana nemari yaunowana uye nehuwandu hwepamberi, zvakakosha zvidzikiso zvinogona kupihwa paavhareji yegore rekutenda mitengo.

Zvakanakira zvekurenda

Mukana mukuru wekurenda pamusoro pechikwereti chemotokari ndechekuti solvency yemutengi haina kunyatsotariswa.

Mukuwedzera, mari yakawanda ndeye 6 mamiriyoni rubles. Kambani yekurenda pachayo inobata inishuwarenzi uye kunyoreswa kwemotokari, uye ipapo mari iyi yese inopinzwa muchibvumirano uye yakakamurwa mumwedzi inoverengeka - zvakare, bhenefiti, nekuti haufanirwe kubhadhara zvese izvi mumari kubva muhomwe yako kamwechete.

Uyewo, sezvataona, iyo yose yekubhadhara mari yakawanda ichava shoma - kwete yakawanda, asi zvisinei, zviuru zve100 hazvina kurara mumugwagwa. MuEurope neUSA, zvese zvakanaka zvekurejesa vanhu zvakagara zvichinzwisiswa, isu tine chete 3 muzana motokari dzose dzinotengwa nenzira yakafanana. Tinovimba kuti zvinhu zvose zvichachinja nokukurumidza.

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