Mboleko Car

Ngokwangoku, ukhuphiswano kwicandelo logcino bukhulu kangangokuba ukufumana imali-mboleko yokuthenga imoto kulula kunakuqala. Imigaqo-mboleko ayikho ezahlukeneyo kakhulu, ngoko oko kudla wacela iinkqubo ezizodwa ukuphumeza izenzo edinga ukuba uthathe isixa efanelekileyo imali ebhankini, angabi nalo ngomnye. Yintoni ofanele ukuhlawula kuqala ingqalelo, ngokwenza imali-mboleko yokuthenga imoto, kungekhona ukuba ephosakeleyo?

Iinkcukacha-manani zibonisa ukuba imali eRashiya wathengisa% malunga-20 kuphela iimoto, ke ngoko, i-80% ukuba kuthengwe ngetyala. Ngoko ke, kule meko kufanelekile kakhulu esithi "imfuno iintlobo unikezelo." Umlinganiselo wenzala ka-13-21% ngamnye ngonyaka kwisithuba sonyaka-1 ukuya kwiminyaka emi-3. Ukuthenga imoto ngetyala - ngesihloko yangoku kakhulu.

Zeziphi bokuqonda iinkqubo mboleko yemoto ethile? Xa iibhanki ezininzi kuqhuba iinkqubo ezinjalo kunye kubathengisi imoto. Kukho kungancitshiswa kwaye umyinge wenzala kunye nentlawulo phantsi kwakunye nokwanda elide mboleko. A mboleko imoto ukusuka garaji kwizabelo loo asithandwa ingakumbi phakathi kwabantu. Njengomgaqo, oku kubangelwa yinto yokuba umntu kumiselwa malunga nokukhetha uphawu phambi kokuba mboleko, ngoko ke isindululo khange ivumelane kuye. Ukuba udweliso lwenkqubo eyodwa unomdla, funda ngenyameko isivumelwano. Kwezinye iimeko, amaqondo enzala aphantsi uyakwazi ukufihla iikhomishini ezinkulu, iimeko ezizodwa-inshorensi kunye nezinye iintlawulo ezongezelelweyo.

mboleko imoto Express - zinika rhoqo kwiminyaka yakutshanje. Imiqathango kakhulu kulinga: ubuncinane amaxwebhu, izigqibo ngokukhawuleza, akukho akananto kunye guarantors axhasayo. Ngokwendalo, mboleko liphezulu kakhulu, kodwa abaninzi, oko akuthethi ayeke. IBhunga isenguye - ingqalelo iimeko ukuze uphephe iziphumo ezibi.

Loans imoto, umgaqo, yonke into icacile, yaye nantsi indlela ungafumana ngetyala ukuthenga bu imoto? Le ezithengiswa zithengiswa kuphela iimoto ezintsha mboleko yokuthenga imoto kwi kwimarike zasesekondari ayikho. Mhlawumbi ukuthatha ngetyala efanayo okukhawulezayo, kodwa inkalo yayo lokwahlula (ukongeza yezinga eliphezulu lenzala) nalo ixesha elincinane liboleke abanye, engaquki ivumelane kubaboleki ezininzi. Ukuba sinikele ingqalelo mboleko non-njongo, ezinikezelwa yi phantse yonke yibhanki kweli lizwe. Plus ezicacileyo yakhe. Okokuqala, athenge imoto na ipropati yakho (semali-mboleko yemoto, iya bathembisa ukuba ibhanki de intlawulo yokugqibela debt). Okwesibini, ithuba self-ukukhethwa iinkampani, inshorensi yobomi kunye neentlobo zayo. Ngu bendlela kakubi umsebenzisi-nkonzo yeentengo zemboleko kunganxulunyaniswa kancinci ephakamileyo umyinge wenzala, ukuvuthwa isithintelo (iimpawu hayi zonke iibhanki) kunye noyilo yazo ethile.

Ukuthenga imoto - elijongene nayo, ingakumbi ngetyala. Ngoko ke ndiyacinga izihlandlo ezimbalwa, balinganise zonke iingenelo neengozi uze uye ebhankini kunye isicelo semali-mboleko.