Ingabe kunenzuzo ukuthatha loan imoto ngaphandle inkokhelo phansi?

Market, esinikela ukubolekisa, ingafaniswa emkhakheni impi namuhla, okuyinto, njengoba sazi, zonke ezinhle. Ayikho ngaphandle futhi loans ukuthenga izimoto. Ngesikhathi esifanayo abakhangisi Baye bangeniswa akhawunti ukuthi abanye abantu ungathathi ukubolekisa auto ngenxa yokuthi bengenanto imali inkokhelo phansi. Ngenxa yalezi amaklayenti manje imoto etholakalayo loan ngaphandle inkokhelo phansi.

Ukuze uvumele?

Naphezu kweqiniso lokuthi kule ndaba kubonakala khona ukwethembeka, ukubolekwa imali imoto ngaphandle imali uyolinikezwa kuphela kulabo ilingane izimfuneko ezithile. Akekho amabhange ngeke ukukhipha loan uma lo muntu obolekayo kungazange kufinyelele engu-21, futhi iningi udumo nezinye izikhungo zezimali futhi ongaphika labo umhlalaphansi kakade. Enye yezimfuneko zokusinda ebaluleke kakhulu amazinga okuphila. Lapha amabhange zihlukaniswe imicabango yabantu. Ezinye zidinga ukuhlinzekwa reference, iholo kufanele kube ngokwanele ukuba agcine imali nyanga zonke akuzona ezingaphezu kwesigamu ke. Lokhu value kuzoncika ngokuphelele kulokho Bank lapho uya khona. Amanye amabhange kungaba "bavala emehlo abo 'yokuthi isitifiketi, ngeke ukwazi ukuqinisekisa imali, kodwa izodinga imibhalo kunoma impahla, iphasiphothi noma enye idokhumenti.

Car loan kungabikho lokukhokha phansi - konke elula ngempela?

Kusobala ukuthi izidingo lamabhange kungenzeka ethé ukuhluka kancane, kodwa ngaphansi kwalezi zimo uthola iningi abaseRussia, ubani nganoma isiphi isizathu akuzona ezisheshayo ukuthenga izimoto ezintsha, nakuba amabhange njalo bakhuthazwe ukuthi benze kanjalo ngisho ngaphandle imali inkokhelo phansi. Isizathu esiyinhloko lesi simo kukhona amanani izinhlelo abolekise, ukuhlinzeka engekho lokuqala eyaphuma ngalo. Okungukuthi, uma uhlele loan imoto ohlelweni classical, inani lenzalo kuyoba 13-17%, futhi uma uthatha imoto yakho ku credit ngaphandle inkokhelo yokuqala, izinga liyaphuma amaphesenti angu-30. Libuye lapha kuhlanganiswe nemali ekhokhelwa yasebhange, umshwalense ngoba imoto ngokwakho. Manje ukuthola kangakanani kuzobiza ukuthengwa imoto ngaphandle inkokhelo phansi.

Futhi uma usafuna?

Kuleso simo, uma usafuna ukuthenga brand imoto entsha "khona manje", bese ucabange ngaphambi ubambe isiphakamiso lokuqala ihlangabezane. Lezi zinhlelo uboleka babe amabhange amaningi, ngakho kufanele kuqala udabula izinhlangano ezahlukene bese uqhathanisa izimo. Kufanele kucatshangelwe: uma imalimboleko imoto ngaphandle inkokhelo phansi inikezwa ngesilinganiso ngezansi 11%, ibhange okungenzeka kakhulu eshodayo ukuba offset yikhomishana icala njalo ngenyanga, ukuthi bungakubangela nesentimitha ngokweqile. Kuyasebenza nasezingxoxweni nezinye izinhlelo ezifanayo: Ibhange neze izosebenza at ukulahlekelwa.

Ngemva kokukhetha le umkhiqizo kwesokudla udinga ukuqoqa iphakheji kwemibhalo, uhlu okuyinto uzonikwa ebhange. Lapho obukholisayo ikhono lakho ukukhokha uzobe ukuqinisekisile, kulula ukuba ube loan imoto ngaphandle inkokhelo phansi, ngaphezu, izinga loan kuyoba aphansi.