ʻO ka hōʻaiʻē kaʻa a i ʻole ka hōʻaiʻē pilikino ʻoi aku ka maikaʻi? ʻO kā mākou ʻatikala

ʻO kahi kaʻa pilikino ka moeʻuhane o nā poʻe he nui, akā naʻe, ʻaʻole hiki i nā mea a pau ke uku koke i ka nui o ke kumukūʻai o ke kaʻa. Ke kū nei ka nīnau: ma hea e loaʻa ai ke kālā i nalowale. ʻO ka pane wale nō e hoʻopili i ka panakō. Hāʻawi ʻoluʻolu ʻo Banks i kēia lā i ke kālā e pono ai ma ka hōʻaiʻē, ʻoi aku ka nui o nā papahana hōʻaiʻē kaʻa. No laila hiki iā ʻoe ke loaʻa ka nui i nalowale me ka pilikia ʻole.

Akā ʻo ka panakō, ʻo ka mea mua, he hale pāʻoihana makemake i ka loaʻa kālā, no laila e loaʻa iā ʻoe ke kālā ma nā uku ukupanee kiʻekiʻe.

E ʻike kākou i ka mea ʻoi aku ka maikaʻi - ka hōʻaiʻē kaʻa a i ʻole ka hōʻaiʻē mea kūʻai aku?

ʻAoʻao kaʻa

ʻO kahi hōʻaiʻē kaʻa he hōʻaiʻē i manaʻo ʻia. ʻAʻole hiki i ka mea kūʻai ke ʻike i kēia kālā ma kāna moʻokāki a i kona lima. Inā hoʻoholo maikaʻi ka panakō, a laila e hoʻouna koke ʻia kēia kālā i ka waihona o kēia manawa o ka mea kūʻai kaʻa.

No ka loaʻa ʻana o kahi hōʻaiʻē kaʻa ma ka hapa nui o nā panakō, pono ʻoe e hoʻokō i kēia mau kūlana:

• hōʻoia i kāu loaʻa kālā - hiki iā ʻoe ke hana ʻole, akā i nā makahiki i hala iho nei, pono ʻoe e loaʻa ma kahi o hoʻokahi makahiki o ka ʻike, ma kekahi mau panakō ʻaʻole i lawe nui ʻia, ma nā panakō mokuʻāina, i mea e loaʻa ai kahi hōʻaiʻē, pono ʻoe e hoʻohana oihana;
• ʻaʻole pono e emi iho ka nui o kāu loaʻa kālā i kēlā me kēia mahina ma mua o kahi pae - ma ka ʻōlelo ʻana, me ka loaʻa kālā o 10 tausani rubles, ʻaʻole hiki iā ʻoe ke loaʻa i kahi hōʻaiʻē no ka kaʻa kālā nui loa;
• ʻO ka mea e pono ai ka hoʻopaʻa inoa ʻana o ka ʻinikua CASCO, a koi paha kekahi mau panakō iā ʻoe e lawe i kahi ʻinikua olakino.

Inā mākou e kamaʻilio e pili ana i ka uku pānaʻi, a laila mai ka 10 a i ka 20 pakeneka o ka makahiki. Hāʻawi kēlā me kēia panakō i kāna mau kūlana ponoʻī. No ka laʻana, no ka loaʻa ʻana o ka uku panee haʻahaʻa, pono ʻoe e lilo i mea kūʻai panakō, loaʻa ka uku ma ke kāleka panakō, a hāʻawi i ka ʻike e pili ana iā ʻoe iho.

ʻO kahi mea nui i mea e noi ai i kahi hōʻaiʻē kaʻa, pono ʻoe e hana i kahi uku mua - mai 10 pakeneka o ka waiwai o ke kaa.

hōʻaiʻē mea kūʻai

ʻO kahi hōʻaiʻē mea kūʻai aku kahi hoʻopuka kālā ʻole i manaʻo ʻia, ua noa ʻoe e hoʻolilo iā lākou e like me kou makemake. Ua manaʻo ʻia hoʻi nā kāleka hōʻaiʻē. ʻAʻohe mana o ka panakō i kāu hoʻolilo ʻana i kēia mau kālā.

Eia naʻe, ke hana nei ke kaʻa i mea hōʻaiʻē inā noi ʻoe i kahi hōʻaiʻē kaʻa. ʻAʻohe mea e lilo i ka panakō inā ʻaʻohe insolvency o ka mea kūʻai aku - ua hao ʻia ke kaʻa a kūʻai aku. ʻO ka hōʻoiaʻiʻo o ka uku ʻana i ka nui o ka hōʻaiʻē mea kūʻai aku he kiʻekiʻe kiʻekiʻe loa, hiki ke hiki i ka 67 pakeneka o ka makahiki, ma ka awelika, ua loli nā kumukūʻai ma waena o 20-60 pakeneka.

ʻAʻole hāʻawi ka panakō i nā koi kūikawā no ka mea kūʻai aku; no ka loaʻa ʻana o ka nui a hiki i 250 tausani, ʻaʻole pono ʻoe e hōʻoia i kāu loaʻa kālā.

Aia nā papahana kahi e hiki ai iā ʻoe ke loaʻa kālā ma ka palekana o ka waiwai - kahi hale, kahi kaʻa, kahi ʻāina, nā mea nani. Hiki i ka panakō ke koi aku i ka mea ʻaiʻē e hoʻopuka i kahi kulekele VHI.

ʻO wai o kēia mau koho ʻelua ʻoi aku ka maikaʻi?

He mea paʻakikī ke ʻōlelo maopopo ʻo wai o kēia mau koho ʻelua i ʻoi aku ka maikaʻi. E ho'āʻo mākou e nānā i nā maka o ka mea kūʻai maʻamau

Kaʻa aie:

• pono ka uku mua;
• pono e hoopuka i ka CASCO;
• Noho ʻo PTS i ka panakō.

Inā helu ʻoe i ke kumukūʻai o CASCO i kēlā me kēia makahiki ma kahi o 5-8 pakeneka o ke kumukūʻai o ke kaʻa, a laila hiki iā ʻoe ke hoʻohui i kēia mau pākēneka i ka uku, ʻike ʻia ʻaʻole ʻoe e ʻaiʻē i ka 15% i kēlā me kēia makahiki, akā 20. ua hoʻopaʻa ʻia ke kaʻa i nā pilikia āpau.

ʻAiʻai mea kūʻai:

• hoihoi nui;
• ʻaʻole pono e hoʻopuka i kahi CASCO;
• ʻaʻole koi ʻia ka uku mua.

E noʻonoʻo kākou i kekahi mau kūlana. No ka laʻana, ʻaʻole lawa ka 200 tausani kanaka e kūʻai i kaʻa no 800 tausani. Inā hāʻawi ʻo ia i kahi hōʻaiʻē kaʻa, ʻike ʻia ʻo ia ka 75 pakeneka, e hāʻawi ʻia ʻo ia i nā kūlana maʻamau - 15 pakeneka o ka makahiki. No ka makahiki he 30 tausani wale no kona uku. E hoʻohui kākou i ke kumukūʻai o CASCO (8 pakeneka), ʻike ʻia ʻo 64 + 30 = 94 tausani.

Inā lawe ʻo ia i ka 200 tausani ma ka hōʻaiʻē ma 30 pakeneka, a laila e puka mai ka 60 tausani overpayment. Eia hou, e hoʻohui hou i CASCO, ʻoiai ʻaʻole hiki iā ia ke huki i luna, akā inā ʻaihue ke kaʻa a i ʻole he pōʻino, a laila e waiho ʻia ke kanaka me ke kālā ʻole a me ke kaʻa ʻole.

ʻOiaʻiʻo ma kēia hihia, ʻoi aku ka maikaʻi o kahi hōʻaiʻē kaʻa.

Inā kūʻai ʻoe i kahi kaʻa i hoʻohana ʻia ma ka hōʻaiʻē, a ma ka manawa like ʻaʻole pono ʻoe iā CASCO, no ka mea aia ke kaʻa i loko o ka hale kaʻa, a loaʻa iā ʻoe ka ʻike hoʻokele maikaʻi, a laila, ma kēia hihia, ʻoi aku ka maikaʻi o ka hōʻaiʻē consumer.

ʻAe, ʻo ke kūlana maʻamau ke hōʻiliʻili liʻiliʻi ke kanaka i ka 10 pakeneka o ke kumukūʻai a makemake ʻo ia e lawe i kahi kaʻa ma ka hōʻaiʻē no ka lōʻihi o 5 mau makahiki, a laila e nui ka overpayment no nā papahana ʻelua, akā no ka hōʻaiʻē kaʻa, akā naʻe. , pono ʻoe e uku liʻiliʻi, me ka CASCO.

haʻina

ʻOi aku ka maikaʻi o ka hōʻaiʻē kaʻa inā pono ʻoe e uku i ka hapa nui o ke kumukūʻai o ke kaʻa. Inā kūʻai ʻoe i kahi kaʻa i hoʻohana ʻia a i ʻole kaʻa hou, ua nalowale ʻoe i kahi mau ʻumi pakeneka, a ke manaʻo nei ʻoe e uku i ke kālā āpau i ka panakō i ka manawa pōkole, a laila ʻoi aku ka maikaʻi o ka hōʻaiʻē mea kūʻai aku.

Ke hoʻouka nei…