Mene ne shirin na fifikon mota rance?

Private mota - yana da kyau a yi jayayya da irin wannan sanarwa iya ba kowa da kowa. Duk da haka, wannan saya ba cheap, da kuma yarda da kanka a duba a cikin Motor Show iya ba duk da mu compatriots. Wannan shi ne dalilin da ya sa a kowace shekara ake samun shahararsa mota rance shirye-shirye da cewa za a iya quite bambanta. Har ila yau, shekaru da dama, akwai fifikon mota rance shirin for Russia. Duk da haka, na farko abubuwa farko.

Yadda za a samu a matsayin aro a kan wata mota

Don kwanan wata, akwai hanyoyi uku saya a mota a kan bashi. Car shirin:

Basic. Wannan shirin shi ne kama da na al'ada mabukaci rance. Yana ba ka damar saya a cikin yin amfani da biyu sabuwar kuma yi amfani da motocin, kuma shi ne m, shi ne m, ko waje samarwa. Daga lokacin da ya samu na kudi ga borrower aka bai ba fiye da kwanaki 90 a kan selection da kuma sayan mota ce. Bayan sayen mota zama banki garanti. The adadin da dogara rance iya zama har zuwa miliyan 5 rubles, da kuma sha'awa kudi a matsayin babban matsayin 20%. Kudi ne ainihin shirin na mota rance ne samuwa don har zuwa shekaru 5.

Affiliate. Wannan wani zaɓi ne kusan guda na asali avtosubsidirovanie tare da kawai bambancin da ake cewa da shi ne zai yiwu don rage wasu daga cikin sha'awa kudi a kan aro, idan ka saya mota a cikin falo, wanda shi ne wani abokin tarayya na lamuntawa banki. Wannan shirin yana da dama disadvantages:

• saya amfani da mota a cikin wannan hanya za su ci nasara ba.
• da zabi aka ƙuntata ga waɗanda model da aka gabatar a cikin wani takamaiman shago.
• za a shirya wani na farko taimako na akalla 20%.

A jihar shirin na fifikon mota aro. A aro adadin da irin wannan shirin na iya zama 85% na kudin mota, amma ba zai iya wuce 800 dubu. Rubles. Bazata lokaci - ba fiye da shekaru 3. Jigon da shirin na fifikon mota rance ne da wani ɓangare na sha'awa a kan aro repays jihar ku, wanda muhimmanci rage da sha'awa kudi ga borrower. A kudi na irin tallafin da nufin kaucewa dogara a kan CBA refinancing kudi, duk da haka, a kowane hali iya zama daban-daban.

tarihi bayanai

Fifiko ga mota rance shirin da aka farko gwada a Rasha Federation a lokacin da 2009 rikicin. Wannan shawara, tare da shirin na sake amfani da haihuwa motoci taimake ci gaba da ninkaya cikin gida automakers da muhimmanci hažaka da rundunar jiragen Russia. Duk da haka, da farko shirin na fifikon mota rance da wani yawan shortcomings:

1. Yana da aka asali tsara don tallafawa kamfanin "AvtoVAZ", kamar yadda da talakawan kudin motoci na wannan alama bai wuce 350 dubu. Rubles.
2. Jeri, amince da ma'aikatar masana'antu domin aiwatar da shirin da aka sani kawai 10 sunayen, sosai mabukaci zabi shi ba samuwa.
3. Wani mummunan al'amari na tambaya ne quite high farko biyan bashin - a kalla 30% na tamanin da mota. Saka wannan adadin a lokaci guda iya iya ba kowa da kowa.

Duk da haka, tare da nassi na lokaci, da shirin tsiwirwirinsu babba shahararsa, da farko biyan bashin da aka halved, da kuma zangon ya kumbura sau biyar. Yau za mu iya cewa da tabbaci ba da fifiko ga mota rance shirin ne mafi m hanyar sayan wani sirri abin hawa. Duk da haka, a lokuta daban-daban avtosubsidirovaniya shirin da aka tsayar, sa'an nan a koma a sake, da kuma kasance yawa muhawara ga ko don ci gaba da shi a nan gaba a kan Hauwa'u na 2015.

Wani sabon jerin motoci

Duk da cewa halin yanzu tattalin arziki halin da ake ciki ne quite m, tare da 1 ga watan Afrilu, 2015 aikata wani sabon shirin na fifikon mota aro. List of auto widened zuwa 50 mukamai, duk da haka, gabatar da wani sabon yanayin: da mota samu irin wannan shirin ya zama for 2015.

Saboda haka, shi ne a fili cewa jerin motoci miƙa ga saya a halin yanzu shekara ne quite m, kuma ba a iyakance ba zuwa ga m model.

Auto Loan Terms

A shekarar 2015, kuma ya canja kuma wasu daga cikin bukatun ga batun mota, rance a kan m sharuddan:

• jimlar farashin na abin hawa sayi karkashin sharuddan da rangwamen ruwa na rance, na iya wuce miliyan 1 rubles.
• matsakaicin yiwu adadin na aro - 800 dubu rbl...
• da ƙaramar rance adadin za a iya ƙaddara da banki kanta.
• Loans suna samuwa ne kawai a Rasha rubles.
• mota da cewa abokin ciniki nufin saya, ya kamata a tattara a cikin ƙasa na Rasha.
• da truck ba za su iya saya a irin wannan hanyar, a matsayin jimlar taro na model zaba ba zai iya wuce 3.5 ton.
• rance da za a iya bayar da ku ga wani lokaci ba wucewa watanni 36 (3 years).
• sayi abin hawa dole ba an baya bayar ga halitta mutane, kuma za a rajista (rajista) daidai da Rasha dokokin.
• lamuntawa kudi da aka lasafta a matsayin bambanci tsakanin sha'awa kudi da akayi a cikin kwangila na wani kudi kungiyar, da kuma kashi biyu bisa uku na refinancing kudi na babban bankin na Rasha Federation a lokacin da sarrafa abin da rance.
• maida shafi kawai ga tsayayyen lokaci amfani rates.
• prepayment (saukar biya) ne 20%, amma akwai iya zama mafi (a request na borrower).
• Credit iya kawai samun da jama'a na Rasha.

Ta yaya ne Interest Rate

Saboda haka, da fifiko mota rance shirin samar da diyya ga kawai wani bangare na sha'awa a kan aro, shi ya dogara da yanzu refinancing kudi soma da Central Bank of Rasha. Yin sauki lissafin, za ka iya samun kanka, da yawa dole ka biya a kowane hali. Don yin wannan, amfani da sauki dabara:

Ps = AM - 2/3 x Ref, a cikinsa:

• Ps - da shekara-shekara amfani kudi.
• GC - da sha'awa kudi a sakamako a lokacin da rajista na aro a karkashin Tutar makirci na crediting.
• Ref -% refinancing da CBR a lokacin ƙarshe na kwangila.

Kamar yadda na 01.04.2015, da refinancing kudi ne 14%, wanda ke nufin cewa recoverable rabo daga gare shi ne 9,33%. Saboda haka, idan ka tuntube da banki cewa yayi mota aro a 20% annum, ta amfani da jihar amfani shirye-shirye, za biya total of 10,67% a kowace shekara. Hakika, da tushe rates a duk bankuna ne daban-daban, don haka a kowane hali da kirgawa sakamakon zai zama daban-daban.

Ainihin yanayi na mota rance

Ga mota rance a rage yawan shirin, da borrower ba hõre wani musamman bukatun. Hakika, kowane banki yana da dokokinsa, da kuma yanayi na iya zama dan kadan daban-daban, amma talakawan hoto na borrower ne kamar haka:

• A dan kasa na Rasha Federation ba matasa, fiye 21 da kuma ba girmi shekaru 60.
• Yana yana da wani m wuri na aikin akalla for baya 6 watanni.
• rajista da kuma zaune a yankin na wani musamman banki sabis.
• iya tabbatar da kasancewar wani kwari samun kudin shiga isa ya rufe da wata-wata ijãra a kansa.

Daga cikin gwaninta, zamu iya cewa akwai kawai 2 zažužžukan, wanda za a iya hana fifikon avtossud: a bad bashi tarihi da kuma gaban yara a ƙarƙashin da shekaru shida da watanni (ga mata).

ƙarin bukatun

Duk da cewa da fifiko ga mota rance shirin dubi kusan guda a duk banki cibiyoyin, wasu daga cikin sharudda iya har yanzu zama dan kadan daban-daban:

• tushe na rance kudi (daya daga wanda za a deducted tallafin).
• m zamani domin wanda aro An yi;
• bukatun ga borrower, game da tsawon na sabis da kuma albashi.
• da bukatar ƙarin tabbaci ko tabbacin janye.
• da mafi ƙarancin adadin na aro.
• da bukatar rajista (rajista) na bãshin a yankin, inda da rance da aka bayar.

takardun

A general, a shirin na fifikon mota aro yana nuna cewa a borrower na da wadannan takardu:

• } ungiyoyin fasfo na borrower, kazalika da matarsa (miji), idan mai bashi akan shi aure.
• aka rubuta yarda da sauran mata don canja wurin da abin hawa kamar yadda na biyu da bankin.
• lasin (idan wani).
• Fage 2-rami (kudin shiga);
• wani tsantsa daga aiki littafin, hukumance bokan a karshe wurin aikin.
• da tallace-tallace kwangila ko wata takardar shaidar lissafi na gida, da tabbatar da darajar da mota.

Saboda kowace kungiya tana gudanar da bashi da manufofin, jerin bukata takardun iya bambanta da yawa. Duk da haka, da rasa rubutu mulkin ne cewa guntu aro lokaci da kuma ƙara da farko biyan bashin, da ƙananan cikin takardun da ake bukata da Bank.

Ina zuwa zana irin wannan rance?

Saboda haka, abin da ya ƙunshi wani fifiko ga mota rance shirin, fiye ko žasa da hujjõji, kuma inda zai yiwu don en irin wannan rance? Don kwanan wata, jerin banki cibiyoyin a Rasha, miƙa wa kai amfani da irin wannan ayyuka ne har yanzu ba a tsare, don haka kowane hali ya kamata a bayyana ko shi ne mai yiwuwa a samu jiha tallafin. Duk da haka, za mu iya ce tare da amincewa da cewa wannan jerin ne quite tsawon kuma, a karshen shekarar 2014, shi amounted zuwa fiye da 130 kungiyoyi. Daga cikin su:

• Sberbank.
• "VTB 24".
• "Uralsib".
• "Gazprombank".
• "UniCredit Bank".
• Bankin "Saint-Petersburg".
• "Soviet" banki.
• "AK sanduna" BANK.
• Bankin "BTA-Kazan" kuma da yawa wasu.

Saboda haka samun dace zaɓi kuma ya dauki amfani da fifiko ga mota na rance shirin a Rasha a shekarar 2015, ba za ta zama da wuya.