Chikwereti chemota chinobatsira zvakanyanya chinogona kuwanikwa kubva kucapping mabhangi

Kana munhu achida motokari nokukurumidza, saka akagadzirira kudzidza makomo emashoko kuitira kuti awane akakodzera uye akakodzera mamiriro ekukweretesa. Isu takabhadhara zvakanyanya kunyaya yezvirongwa zvechikwereti pamapeji edu portal Vodi.su.

Kana iwe ukanyatsoverenga zvinyorwa izvi, uchaona kuti chikwereti chemotokari muRussia hachina mari yakawanda, sezvo iwe uchifanira kubhadhara kwekutanga, kusimbisa mari yako, kutenga CASCO uye, panguva imwechete, kubhadhara kubva ku10 kusvika ku20 muzana.

Munhu mumwe nomumwe ane zvishuwo zvakasiyana zvemotokari: mumwe munhu anoda motokari inotonhorera yemamiriyoni matatu, mumwe munhu akagadzirira kutenga bhajeti repamba sedan kuti aende kunyika, uye mumwe munhu achawana zvakakwana zve "mapfumbamwe" akashandiswa. Kubva pane izvi iwe unofanirwa kuvakira pamusoro, uchisarudza iyo yakanyanya kunaka inopa iwe pachako.

Hatisi kuzonyora mazita akawanda emabhangi eRussia uye kutaura pamusoro pemari yemari - inenge yakafanana. Ndinoda kukwevera pfungwa dzevaverengi kune chiitiko chitsva chakadai cheRussia se capping banks.

Mabhangi akatapwa - chii ichocho?

A capping bank isangano rezvemari rakasarudzika rinoshanda pamwe chete nemugadziri wemota. Saka mazita: Toyota Bank, BMW Bank, Bank of Tokyo-Mitsubishi UFJ. Vamwe vagadziri vanoshanda padhuze nemabhangi uye vanopa yavo yega zvirongwa zvekukweretesa, seNissan-Finance.

Chii chakanakira mabhangi akadaro uye zvirongwa pamusoro peyakajairwa zvikwereti zvemotokari?

Chinhu ndechekuti vagadziri vemotokari havafarire zvakanyanya purofiti semabhangi edu (iwe unogona kusarudza epithet iwe pachako). Mutengo wemotokari watove unosanganisira ese mutengo wekugadzirwa kwayo: zvinhu, kuendesa, mari yekudzokororazve, muhoro, mishandirapamwe yekushambadzira, zvichingodaro.

Saizvozvo, chinangwa ndechekutengesa mota dzakawanda uye munguva pfupi. Saka mibairo yakaderera.

Ngatitarisei kune zvinopihwa zviripo nhasi.

Toyota Bank inopa akati wandei mapurogiramu ezvigadzirwa zvayo:

• Camry Trade-in - kubva ku5,9 pagore;
• Toyota Yakaedzwa (yakasimbiswa Toyota) - chikwereti chemotokari ine mileage - kubva pa9,9 kusvika ku17 muzana pagore;
• Hybrid - chikwereti chemotokari dzakasanganiswa Toyota neLexus kubva pa8,9 muzana kusvika 13,3.

Zvirongwa zvechikwereti zvinogara zvichivandudzwa, hazvina musoro kunyora zvese, asi hunhu hwakajeka - kufarira kunobatsira, kune akawanda mapurogiramu magwaro maviri akakwana, CASCO neVHI hazvidiwi.

Ichokwadi, pane imwe "ASI" - mamiriro akanaka akadaro anopiwa chete kune mamwe mamodheru, semuenzaniso, manheru ezororo reGore Idzva, kukwidziridzwa kweToyota RAV4 kunotanga pa8,9%, asi pasi pemupiro we30%. . Uye kuti uwane Camry pa5,9%, unofanirwa kuisa kubva pa50 muzana.

Izvi zvinoreva kuti, iyo inopa inobatsira chaizvo, asi kune avo vanogona kubhadhara pakarepo hafu yemutengo wemotokari inodhura kubva kuToyota. Uye zvakare, mazwi akasarudzika anongoshanda kwegore rimwe chete, asi kana iwe uchida kuwana chikwereti kwenguva yakareba, saka gadzirira mareti akajairwa kubva pa9 kusvika 17 muzana.

BMW bank, zvakare ine chimwe chinhu chekupa vatengi vayo:

• BMW Special - zvikwereti zvemotokari itsva, mitengo kubva pa6,5 kusvika ku12,5%;
• MINI Ideal - chikwereti cheMINI One kubva ku5,95 kusvika ku10 muzana;
• BMW ine zvakasara kubhadhara - 11,5-13%.

Zviri pachena kuti BMW haigadziri motokari dzinodhura uye vazhinji vatsva havazviroti, asi zviri nani Dacia Nexia kana Lada Kalina, asi zvakakosha kufunga nezvazvo. Semuyenzaniso, BMW 3 akatevedzana pasi BMW Special chirongwa inodhura anenge 18-25 zviuru pamwedzi. Mamiriro acho ndeaya: inomanikidzwa CASCO inishuwarenzi, 15% mupiro, chiyero kubva 6,5 kusvika 12,5 - chiyero chinoenderana nenguva yechikwereti. Iyo BMW X3 SUV pasi pechirongwa ichi inokubhadhara zviuru makumi maviri neshanu pamwedzi.

Vanhu vane mari inokubvumira kubhadhara zvikwereti zvakadaro, hongu, hazvizopfuuri nezvipo zvakadaro.

Kana tikatora semuenzaniso chirongwa chemari Nhoroondo ye Nissan Finance, ipapo tichaona kuti takapihwa zvakati tsvikiti. Saka, pane zvinopihwa zvekuyambuka uye SUVs: Murano, Patrol, X-Trail, Navara. Kana iwe ukakurumidza kuisa 30 muzana yemutengo weNissan Murano (ichava 485 zviuru) uye kunyorera chikwereti kwegore, ipapo iwe uchafanirwa kubhadhara anenge zviuru makumi masere pamwedzi. The overpayment ichava chete 80 muzana.

Pane kusimudzirwa kweNissan Juke - Zero muzana kwemakore maviri. Asi izvi kana iwe pakarepo kubhadhara hafu mari - 300 zviuru. Mumwedzi unofanira kubhadhara 13 zviuru rubles. Kune avo vasingakwanisi kubhadhara zvakanyanya, iwe unogona kuputsa mari yose mumakore 3-5, kunyange iyo yezana ichave yakakwirira - 8,9-14,9, uye iwe unofanira kubhadhara 14-15 zviuru pamwedzi.

Kana uchida, unogona kuwana akawanda akawanda akadai zvirongwa kubva Renault, Peugeot, Mitsubishi, Mazda uye vamwe vagadziri. VW neSkoda zvakare vane yavo yekukurudzira inobatsira.

Ndokumbira utarise kuti vagadziri vazhinji vekunze vanotora chikamu muchirongwa chekudzokorora uye vanopa zvidzikiso zve40-50 zviuru, zvichienderana nekutsinhana kwemotokari yekare kune itsva. Nehurombo, mazhinji ezvipo izvi anoshanda kumota dziri pakati nepamusoro pemitengo.

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