Tora chikwereti chemotokari pasina zvitupa uye guarantors

Motokari yevakawanda haisi nzira yekufambisa chete, asiwo mukana wekusimbisa chimiro chavo. Hazvina maturo kutaura, vazhinji vanongoda chete kuva nemotokari yavo pachavo kuti vave nenguva kwese. Bvumiranai kuti zviri nyore zvikuru kufamba seri kwevhiri uye panguva yekuzorora kwemasikati kuva nenguva yekutora vana kubva kuchikoro kana kuenda kumusika kunotenga girosari pane kugadzirisa muitiro wako wezuva nezuva kumapurogiramu ezvifambiso zvavose.

Imhaka yezvikonzero izvi zvinoita kuti vanhu vatore zvavo zvekufambisa, zvisinei kuti chii: bhajeti kana kirasi yePrimum.

Zvisinei, haasi munhu wose ane mari yakakwana kutenga motokari, saka unofanira kushandisa zvikwereti.

Chikwata chedu cheVodi.su chakatonyora nezvezvirongwa zvechikwereti zvinodhura zvekutenga mota.

Vanonyanya kufarirwa vavo vanoisa pamberi akati wandei zvinodiwa kune mutengi:

• kutanga kubhadhara kubva ku10 muzana;
• kuwanikwa kwechitupa chemari kubva kunzvimbo yebasa;
• avhareji yemari inowanwa pamwedzi inofanira kudarika imwe chiratidzo.

Haasi munhu wese nhasi anogona kupa gwaro rekuwana mari - vanhu vazhinji vanoshanda zvisina kufanira, vasina bhuku rebasa.

Zvichava zvakaoma kuwana chikwereti chemotokari kunyange kana mushandirwi, kuitira kuti adzivise mutero, anoratidza mubhadharo wepasi mugwaro remari.

Chii chekuita munyaya iyi? Kanganwa nezvemota yako zvachose?

Hazvisi zvese zvinotyisa sezvazvingaite. Kana uine mari yakakwana yekushandira chikwereti, asi usingakwanise kuzadzisa ese mamiriro akaiswa nemabhangi, unogona kutenga mota uchishandisa zvirongwa zvekukweretesa zvisingade zvirevo zvemari, uye kunyanya kuvepo kwevanovimbisa.

Nzira yekuwana sei chikwereti chemotokari pasina humbowo hwemari?

Kune akati wandei emabhanga anopa zvikwereti zvemota pasina kuonesa mari yaunowana. Asi chero bhangi, kutanga kune zvese, inofarira vatengi kubhadhara chikwereti kune yekupedzisira peni, uye nekuda kweizvi, mabhangi anouya nemamwe mamiriro:

• mibairo yakakwirira;
• inishuwarenzi inomanikidzirwa, uye kwete motokari chete, asiwo hupenyu hwomukwereti;
• zvingada kubhadharwa.
• nguva pfupi yechikwereti.

Bhangi rega rega rine chirongwa chayo chechikwereti uye nemamiriro ayo, uye kusarudza chimwe chezvirongwa izvi, unofanirwa kutarisa pane zvaunokwanisa.

Mabhangi mazhinji anopa izvo zvinonzi zviri nyore zvikwereti - zvisina kutariswa. Ndezvekukwereta imwe mari. Kazhinji iyi haisi yakawanda kwazvo - kusvika hafu yemiriyoni rubles. Kuti uwane chikwereti chakadaro, kazhinji pasipoti chete inokwana.

Zvinofanira kucherechedzwa kuti zvikwereti zvevatengi zvinowanzouya nemitengo yakakwira zvakanyanya.

Iyo Vodi.su portal inokurudzira kuti vaverengi vayo vatore zvikwereti zvisiri zvechinangwa chete kana iwe uchishaya chikamu chidiki chemari. Kana iwe uchizotenga mabhajeti emhando dzemotokari dziripo nhasi dzinosvika zviuru mazana mashanu uye panguva imwe chete iwe uchabhadhara mari yese uchibhadhara mari yechikwereti, saka unofanirwa kuve nechokwadi chekuti unogona kubhadhara mari iyi yese mukati. nguva pfupi, nokuti overpayment pagore inogona kusvika kubva pa30 kusvika 60 muzana.

Mamwe mabhangi, akadai seBhange reMoscow, anopawo zvirongwa zvakadaro zvechikwereti zvinokubvumira kutenga motokari pasina zvitupa uye guarantors. Asi, senguva dzose, kune mamwe matambudziko:

• kubhadhara kwekutanga munyaya iyi kunofanira kubva ku30 kusvika ku50 muzana yemutengo;
• inomanikidzirwa CASCO inishuwarenzi, uye mune dzimwe nguva inishuwarenzi yehupenyu;
• mubereko wakakwira.

Kuti unyorere chikwereti chakadaro, unofanirwa kupa magwaro maviri chete: pasipoti uye chero imwe gwaro (rezinesi, ID yechiuto, pasipoti yekunze).

Kana nokuda kwechimwe chikonzero mukwereti akakundikana kuita mubhadharo unotevera nenguva, kana kuti akarega kunyungudutswa zvachose, ipapo zvirango zvakaomarara zvinotanga kushanda - zvirango, faindi, kutorwa kwechibatiso.

Rosbank inopawo zvirongwa zvakafanana.

Mamiriro ezvinhu anoita seanogamuchirika:

• zvitupa zvemari uye guarantors hazvidiwi;
• mubereko pagore kwete kupfuura 20%;
• nguva yechikwereti inosvika makore mashanu.

Nekudaro, iyo inosungirwa mamiriro ndeiyi: CASCO neVMI inishuwarenzi, sevhisi uye mari yekunyoresa, kubhadhara pasi. Uye zvechokwadi, zvirango zvakakomba zvikuru kana pasina kubhadhara kwemipiro.

Kuti uwane chikwereti, unofanirwa kuzadza chikumbiro pawebhusaiti kana kubata mupi wezano wechikwereti zvakananga kumutengesi wemotokari.

Kufunga nezvechikumbiro chako kunogona kutora anosvika mazuva matatu, kana paine sarudzo yakanaka, une mwedzi wese wekusarudza mota.

Kuti uwane zvikwereti zvakadaro, nhoroondo yakanaka yechikwereti inogamuchirwa zvikuru.

Zvakanaka, kana chikumbiro chako chisina kubvumidzwa, saka pachine chikwereti chemutengi, asi iyi haisiriyo nzira yakanakisa yekutenga mota, nekuti iyo yakawedzera kubhadharwa ichave yakakura kwazvo.

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