Yintoni iSivumelwano kufuneka isayinwe xa efumana mboleko auto

bakhaya naivety nokufikelela lula mboleko auto, kwakunye nayiphi na indlela yokufumana imali "hour ezamahala" maxa wambi emangalisayo. banks ubunzima kunye nemibutho credit ibonelela mboleko kuphela emva kokusayina isivumelwano. Ngokubanzi, imali-mboleko ngenxa yokuba baqonda ukuba nawuphi na umnqweno ukuba ikhangeleke ngolu hlobo: kwenu thina - imali, kwaye lethu - imali yethu, imali yethu, ipesenti yethu loo mali ezisetyenziswayo kunye nemali engakumbi kuthi ngenxa yokuba unika ukuba anike imali yabo. A bit engaqhelekanga, kodwa ubuhle jikelele nesigqibo seengcinga lokuhlawula mboleko imoto yonke. Loan Car - uhlobo lwe mboleko bemali, ngokukodwa ezikhutshwe liziko credit ukuze kuthengwe isithuthi ukuze bazisebenzise. Oko kukuthi, athenge isithuthuthu, ibhasi okanye ezinye izithuthi - oko mboleko imoto. Le peculiarity yale hlobo mboleko kukuba yokundwendwela isithuthi uhlala ne obolekayo. Isihloko kufuneka zidluliselwe kwi ibhanki apha ngeli xesha lisikiweyo kwi contract, kwaye ukuba oku kungenzeki, wafuna bahlawuliswe. Lijongene kwindawo yokuqala ngeke ngoyaba - ukuqala imbali yekhredithi kunye icala, nokungathembani ngaseludinini nikatsongo. Ukuba intengiselwano ithatha indawo showroom, apho kukho abameli ibhanki ekhuphe adunyiswe imoto, iingxaki kunye nokutshintshwa la maxwebhu akahambi ntoni kuvuka. Uthathe imali-mboleko imoto ngaphandle ingeniso okanye imali-mboleko imoto kunye kungekho phantsi ntlawulo akunakwenzeka. Oku kuphela a lezentengiso zentengiso icebo.

ofisi njengommeli yebhanki kwi showroom ithatha kule misebenzi ilandelayo - sicelo pre-imvume amanqaku - UHlolo creditworthiness of umboleki, ukusayinwa kweencwadi amboleke imali, ukulungiselela amaxwebhu kunye nokudlulisela ukuba ebhankini.

Kokufaka - oku yeyona ngongoma ibalulekileyo xa kuqwalaselwa yebhanki mboleki kunye amanqaku igqiba indlela uyakwazi ukuhlawula isekelwe kwingeniso. Amaxwebhu Ukunyaniseka azaliswe kungqinisiswa yi-yingcali, kodwa zifuna isiqinisekiso.

Ukuba abameli ebhankini sele gumbi elifanayo kunye garaji imoto, ngoko ngesivumelwano ndawo ukuthenga nokuthengisa esayinwe ngemoto kunye nengcali ngetyala. Abaxhasi zisoloko zilahleka auto kwaye bakholelwa ukuba kuyimfuneko ukuba basayine imvumelwano. Enyanisweni, izivumelwano ezimbini - enye imvumelwano kunye garaji yentengiso kunye nokuhlawula ngegalelo lakhe lokuqala kunye isivumelwano enikezelwe imali ethile mboleko esayinwe ebhankini. Ngokufuthi, ibhanka ukutshintsha imali-mboleko, ekujongwe ukuba kuthengwe isithuthi kwicala yendlela ukunciphisa nokwandisa. Bamiliselwa kuthengwe isithuthi kunye iseti epheleleyo best sele showroom. Kukho kwakhona ungacelwa ukuba yokufaka izixhobo ezongezelelweyo - ulawulo Umgama park, inqanawa, umoya. kunjalo nje zifakwe kwi ndleko-mboleko yokuthenga imoto. Yonke imibuzo ngokuphathelele ukubhaliswa-mboleko yokuthenga imoto lingakhankanywa kwisebe samatyala showroom okanye ebhankini.

Tanya Steinberg, i umhlalutyi