ʻO ka hōʻaiʻē kaʻa me ka uku ʻole ma Moscow
Ma ke kūlanakauhale nui e like me Moscow, paʻakikī ke hana me ka ʻole o kāu kaʻa ponoʻī, ʻoiai inā he kanaka ikaika ʻoe a pono e hele i ka manawa no nā hālāwai a me ka huakaʻi i ka ʻoihana i kēlā me kēia lā.
He kūʻokoʻa ke kaʻa mai ka papa kuhikuhi o nā kaʻa lehulehu a me kahi mālama kālā nui, no ka mea inā ʻoe e hoʻohui i nā kumukūʻai āpau o ka uku ʻana no ka huakaʻi ma ka metro a me nā minibuses, a laila, ʻoi aku ka nui o ka nui i hoʻokahi mahina.
ʻAʻole paʻakikī ke kūʻai ʻana i kaʻa ma ka hōʻaiʻē i kēia lā. Hāʻawi nā panakō i nā pono o nā mea kūʻai aku a hāʻawi i nā papahana hāʻawi kālā. Ma Vodi.su, ua kākau nui mākou e pili ana i nā kumukūʻai ma nā panakō like ʻole, a ma kēia ʻatikala e hoʻāʻo mākou e noʻonoʻo i ke kumuhana o ke kūʻai ʻana i kaʻa ma ka hōʻaiʻē me ka uku ʻole ʻia ma Moscow.
ʻO ka hōʻaiʻē kaʻa me ka uku ʻole ma Moscow
Pono ka hapa nui o mākou i kaʻa e like me ka ea, akā ua hoʻokuʻu ʻia mākou mai nā papahana hōʻaiʻē maʻamau e ka pono e hana i kahi uku hoʻohaʻahaʻa, ʻo ia ka mea maʻamau mai ka 10-15 pakeneka o ke kumukūʻai. Inā ʻoe e nānā iā ia, a laila liʻiliʻi ka nui, no ka laʻana, inā kūʻai ʻoe i Renault Duster no 600 tausani, a laila 15 pakeneka ʻo 90 tausani rubles. ʻAʻole i hoʻomanawanui ka poʻe he nui e hōʻiliʻili i kēia kālā a ua mākaukau lākou e noi i kahi hōʻaiʻē kaʻa me ka uku ʻole.
He aha kāu e hoʻomanaʻo ai inā koho ʻoe i kēia ʻano hana?
- ʻO ka mea mua, ʻo ka panakō i kēia hihia e lawe i nā pilikia, no laila e kau i mua i nā koi paʻakikī.
- ʻO ka lua, hiki i ka panakō ke koi i ke kaʻa ʻaʻole ma lalo o OSAGO wale nō, akā ma lalo o CASCO piha, ʻo ia hoʻi, "ʻaihue" a me "pōʻino".
- ʻO ke kolu, hana ke kaʻa ma ke ʻano he hōʻaiʻē, no laila ke waiho nei ke poʻo inoa i loko o ka panakō a i ka salon kahi āu i kūʻai ai i ke kaʻa.
Pono nō hoʻi e hoʻomaopopo pono i ka ʻokoʻa ma waena o nā polokalamu hōʻaiʻē kaʻa me ka uku ʻole a me nā hōʻaiʻē hōʻike. Hāʻawi pinepine ʻia nā mea hope ma ke ʻano he hōʻaiʻē kaʻa, akā ʻo ka mea maoli he mau hōʻaiʻē kālā maʻamau kēia i hoʻopuka ʻia ma nā kumukūʻai kiʻekiʻe a koi aku i ka ʻinikua pilikino ponoʻī mai ka mea ʻaiʻē, ʻoiai ʻaʻole pono ʻoe e hōʻoia i kahi kaʻa ma lalo o CASCO.
Nā panakō kahi e loaʻa ai kahi hōʻaiʻē kaʻa me ka uku ʻole
He nui maoli o ia mau panakō. E noʻonoʻo kākou i kekahi o lākou.
Raiffeisen Bank hāʻawi i kahi hōʻaiʻē me ka uku ʻole.
Nā Kūlana:
- a hiki i 60 mahina;
- ʻo ka nui loa he hoʻokahi miliona rubles;
- ka uku - 19,9% i ka makahiki;
- ʻAʻole koi ʻia ka CASCO, ʻinikua pilikino.
Hiki iā ʻoe ke noi no kēia hōʻaiʻē me ka hoʻohana ʻana i ʻelua palapala: kahi passport a me nā palapala ʻē aʻe e hōʻoia ana i kou ʻike.
Pono ka mea hōʻaiʻē e loaʻa kahi kālā paʻa (mai 15 tausani ma Moscow a me St. Petersburg a mai 10 tausani ma nā ʻāpana), ʻoiai ʻaʻole pono e hōʻoia i ka pae o kēia loaʻa kālā, hiki ke komo pū nā mea hōʻoia, ʻoiai ʻaʻole kēia koi. kauoha.
Inā ʻo ʻoe ka mea nona kahi ʻoihana pilikino a i ʻole kāu pili pili i hoʻokahi, a no ka makahiki i hala aku hiki iā ʻoe ke hāʻawi i ka waihona koena o ka hui me kahi hōʻailona ʻauhau, a laila hiki ke hoʻonui ʻia ka nui o ka hōʻaiʻē i 2,5 miliona rubles.
Pili wale kēia polokalamu i kekahi mau hiʻohiʻona: Chevrolet Aveo, Lacetti, Cobalt, a me Opel Astra, Hyundai i30 a i ʻole i40.
Ma kahi o ka papahana like e hāʻawi Mosuralbank. ʻO ka ʻokoʻa wale nō, pono ʻoe e hāʻawi i kahi kope i hōʻoia ʻia o ka puke hana me ka liʻiliʻi o ʻeono mahina o ka ʻike no nā makahiki ʻelima i hala, a me kahi palapala 2-NDFL, a i ʻole ka hoʻihoʻi ʻauhau.
Hiki ke lawe ʻia kahi hōʻaiʻē ma ka nui o 200 tausani a ʻelua miliona a hiki i ʻelima mau makahiki.
Pili:
- manawa hōʻaiʻē a hiki i 12 mahina. - ʻumikumāwalu%;
- 12-36 - 19%;
- 36-60 - 20%.
Ke hana nei ke kaʻa ma ke ʻano he hoʻohiki, no laila e kūʻai i CASCO, a i ka hihia o kahi hōʻaiʻē kaʻa me ka uku ʻole, aneane ʻaʻohe panakō e hoʻokomo i ke kumukūʻai o CASCO i ka nui o ka hōʻaiʻē. - He kūlana ʻē aʻe kēia i hoʻolālā ʻia e hōʻoia i ka solvency o ka mea hōʻaiʻē.
Hāʻawi ʻia nā kūlana kūpono i nā Muscovites Novikombank:
- ka nui - a hiki i 6 miliona;
- manawa - a hiki i ʻelima mau makahiki;
- uku pānaʻi - 13,5-17,5% i kēlā me kēia makahiki.
Akā ʻo ka hoʻoholo e hoʻopuka kālā a hoʻoili iā lākou i ka moʻokāki o ka mea kūʻai aku hiki ke lawe i 7 mau lā, a pono ʻoe e hāʻawi i kahi pūʻulu nui o nā palapala, me kahi palapala male male male.
Eia kekahi, pono e loaʻa i ka mea hōʻaiʻē ka loaʻa kālā maʻamau a hiki iā ia ke hōʻoia iā ia: hana, 2-ʻauhau loaʻa pilikino, hoʻolaha, etc.
ʻAʻole pono kēia hōʻaiʻē, no laila, ʻaʻole pono e hoʻopuka ʻia ʻo CASCO, ʻaʻole ʻo DSAGO, a ʻoi aku ka nui o VHI. ʻO ka waiwai i kūʻai ʻia ʻo ia ke koʻi. Ua ʻae ʻia e huki i nā mea hōʻoia a me nā hoa hōʻaiʻē - i kēia hihia, pono lākou e hōʻoia i kā lākou loaʻa kālā.
ʻO kahi helu nui o nā polokalamu hōʻaiʻē no ke kūʻai ʻana i kahi kaʻa me ka ʻole o nā hāʻawi uku AiMoneyBank:
- Kaulana;
- Kūlana me ka ʻole CASCO;
- VIP Standard Me ka ʻole CASCO;
- Mea kuai.
Akā, he mea hoihoi ka hōʻike ʻana o nā puke liʻiliʻi i ka uku pānaʻi liʻiliʻi e loaʻa iā ʻoe inā ʻoe e hāʻawi mua.
No ka laʻana, e loaʻa iā ʻoe ka 7% i kēlā me kēia makahiki i ka wā e hana ai i kahi 70% prepayment, ʻoiai me ka ʻole o ka uku i lalo pono ʻoe e helu i ka 15-24%.
No laila, ʻōlelo nā mea hoʻoponopono o Vodi.su e ʻimi i nā kikoʻī āpau o ka ʻaelike i ʻole e "kūʻai" ʻoe i ke kiʻi o 7%, a laila ʻike ʻia e pono ʻoe e uku i ka 24%.
Ke hoʻouka nei…
