Pawnshop kaʻa i hoʻopaʻa ʻia e PTS: kā mākou loiloi o ka lawelawe

Inā makemake koke ʻoe i ke kālā, hiki iā ʻoe ke loaʻa ma nā ʻano like ʻole. I kēia lā ma Moscow a me nā kūlanakauhale ʻē aʻe o Rūsia he nui nā pawnshops kahi e loaʻa ai kahi hōʻaiʻē i hoʻopaʻa ʻia e nā mea like ʻole - nā mea hana hale, nā mea nani, nā kelepona paʻa. Akā inā makemake ʻoe i ka nui nui - a hiki i hoʻokahi miliona a ʻoi aku paha, a laila hiki iā ʻoe ke hoʻohana i nā lawelawe o kahi pawnshop kaʻa ma ka pawning i kāu kaʻa.

E ʻoluʻolu e hoʻomaopopo he nui nā pawnshops e hāʻawi i kahi hōʻaiʻē kālā i hoʻopaʻa ʻia e ke poʻo inoa. ʻO nā mea maikaʻi i kēia hihia ua maopopo: loaʻa iāʻoe ke kālā ma kou lima, i ka hoʻohanaʻana i ke kaʻa, e like me ka wā ma mua. He mea pono anei? E hoʻāʻo mākou e hoʻoponopono i kēia pilikia ma kā mākou autoportal no nā kaʻa Vodi.su.

Nā kūlana

No laila, inā makemake koke ʻoe i ke kālā, akā ʻaʻole ʻoe makemake e hoʻokaʻawale i ke kaʻa, hiki iā ʻoe ke kau inoa i kahi ʻaelike me kahi pawnshop no ka manawa o hoʻokahi mahina a ʻelua mau makahiki a kau i kou mau lima i kahi kālā he 40-50. haʻahaʻa haʻahaʻa ma mua o ka waiwai kūʻai maoli o kāu kaʻa.

Pehea e hoʻohana ai i kēia hāʻawi?

ʻO ka mea mua, pono ʻoe e ʻimi i kahi pawnshop kaʻa - ʻaʻole pono kēia pilikia: e hoʻokomo i ka noi kūpono i Google a i ʻole Yandex a nui nā loulou e wehe i mua ou.

ʻaneʻane like nā kūlana ma nā wahi a pau:

• e kāhea i nā luna o ka hui, a i ʻole e hoʻopiha i kahi palapala maʻamau ma ka pūnaewele;
• e hōʻike i ka ʻikepili o kāu kaʻa - kumu hoʻohālike, brand, makahiki o ka hana ʻana, mileage, ka nui o ka mīkini, a pēlā aku;
• E hoʻomaopopo ʻia ʻoe e pili ana i ka nui a me ka uku panee ma mua;
• hele mai ʻoe i ka helu wahi i ʻōlelo ʻia a hele mai lākou iā ʻoe, loiloi i ke kaʻa, hele pū i ka hale pawnshop, kau inoa i ka ʻaelike a loaʻa ke kālā ma kou mau lima.

He mea maʻalahi a maʻalahi nā mea a pau, akāʻo kēia wale nō i ka nānā muaʻana.

E nānā pono i nā ʻōlelo o ka ʻaelike a ʻike ʻoe i kēia:

• ʻAʻohe mea e uku iā ʻoe i ke kālā maoli no ke kaʻa. Inā ʻoe e hoʻohana i ka lawelawe "Loan secured by TCP", a laila ʻo ka nui loa e loaʻa iā ʻoe he 50-60 pakeneka o ke kumukūʻai;
• he kiʻekiʻe loa ka uku paneʻe - 6-15 pakeneka i kēlā me kēia mahina. I kekahi mau hale pawnshop, kākau lākou i ka lā - 0,3-0,5 pakeneka i ka lā. Inā lawe ʻoe i kahi hōʻaiʻē no ka manawa lōʻihi, a laila hiki ke hoʻemi ʻia ka uku i 0,2 (6% o kēlā me kēia mahina ka haʻahaʻa haʻahaʻa i hiki iā mākou ke loaʻa);
• ʻAʻole lākou e ʻae i nā kaʻa, akā ʻo nā mea wale nō, inā ʻaʻole uku, hiki ke kūʻai aku, ʻo ia hoʻi, nā kaʻa kūloko ʻaʻole i ʻoi aku ma mua o 5-8 mau makahiki, nā kaʻa haole ʻaʻole i ʻoi aku ma mua o 10 mau makahiki.

He mea maʻalahi ka hoʻohana ʻana i kēlā hāʻawi wale nō i kēlā mau hihia ke makemake nui ʻia ke kālā, a ma nā wahi ʻē aʻe ʻaʻole lākou e hāʻawi iā ʻoe. E lawe i ka calculator a helu (helu ʻia ka ukupanee i ke ʻano o ka pōkole o ka manawa āu e hōʻaiʻē ai, ʻoi aku ka kiʻekiʻe o ka uku) - 6 pakeneka o ka makahiki, ʻo ka overpayment ʻo 72%, noʻonoʻo ʻia no ke koena, akā he nui. .

Ma ke ala, ʻoi aku ka kūpaʻa o nā kūlana i nā panakō, a hāʻawi pū lākou i kahi hōʻaiʻē i hoʻopaʻa ʻia e ka TCP:

• Hōʻaiʻē Renaissance - 28% no ka makahiki;
• Moscow Credit Bank - 25;
• BystroBank - 30-35;
• Bank of Moscow - 19,5-25.

ʻOiaʻiʻo, i loko o kahi panakō i hoʻopaʻa ʻia e TCP, pono lākou e koi i ka ʻinikua CASCO, no ka mea makemake lākou e hōʻoia i ka wā o kahi pōpilikia, hiki i ka mea kūʻai ke uku i kāna mau kuleana. Eia kekahi, ʻoi aku ka paʻakikī o nā panakō no ka loaʻa ʻana o kahi hōʻaiʻē. Inā hāʻawi ka hale pawnshop i ke kālā iā ʻoe i loko o hoʻokahi hola, me ka ʻole o ka koi ʻana i nā palapala hōʻoia a me nā palapala, a laila e noi aku nā limahana panakō iā ʻoe e lawe mai i kahi palapala mai ka hana e pili ana i ka uku, ka ʻae o nā ʻohana / hoa / wahine. A ma lalo o ia mau kūlana, hiki iā lākou ke lawe i ʻekolu lā e hoʻoholo ai.

Akā he mea hoʻohui ʻē aʻe ka panakō - ʻaʻole ʻoe e loaʻa iā 50-60 pakeneka, akā 70-90% i kou mau lima.

No laila, iā ʻoe ke hoʻoholo i ka mea ʻoi aku ka maikaʻi.

Nā palapala a me ke kākau inoa

Inā kūpono nā kūlana iā ʻoe a makemake ʻoe e loaʻa kālā ma kahi pawnshop, pono ʻoe e hōʻike i kēia mau palapala:

• kāu passport kīwila;
• kekahi palapala ʻike ʻē aʻe - palapala laikini kaʻa, ID pūʻali koa, code identification, penikala, kulekele ʻinikua olakino koi;
• palapala hoʻopaʻa inoa - PTS (noho mau i ka pawnshop);
• palapala hoʻopaʻa kaʻa.

I kēia hihia, pono ʻoe he 20-65 mau makahiki, a ua hoʻopaʻa inoa ʻia ke kaʻa ma kou inoa. Inā lawe mai ʻoe i kahi kaʻa mai ka ʻāina ʻē, a laila pono ia e hele ma o ka ʻae ʻana i ka dute e like me ke kānāwai.

Ma hope o ka loaʻa ʻana o ka huina holoʻokoʻa i kou mau lima, pono ʻoe e uku mau i ke kālā i loko o ka manawa i ʻōlelo ʻia. Pono e hoʻomaopopo ʻia he nui nā pawnshop e mālama pono i nā mea kūʻai aku ma mua o nā panakō. No ka laʻana, ua pawn ʻoe i kāu kaʻa no ʻeono mahina, loaʻa iā 500 tausani ma kou mau lima. Hōʻike ʻia kahi helu maʻalahi ma kahi o 150-200 tausani ka uku nui, ʻo ia hoʻi, pono e hoʻihoʻi ka pawnshop i 700 tausani. Inā ʻaʻole hiki iā ʻoe ke hoʻokō a ʻaʻole hiki iā ʻoe ke uku i ka ukupanee i hoʻokahi mahina, a laila e hālāwai lākou me ʻoe a hoʻopaneʻe i ka manawa hōʻaiʻē no kekahi mau mahina ʻē aʻe, a e hoʻonui ʻia ka nui o ka uku.

ʻAe, inā loaʻa nā loli koʻikoʻi i kou ola a nalowale kou hiki ke uku, a laila e hao ʻia ke kaʻa, e kūʻai ʻia, a e hoʻihoʻi ʻia ka ʻokoʻa iā ʻoe. Ma ke kumu, ma nā hale pawnshop he nui, hāʻawi ʻia nā mea kūʻai aku i ka manawa e noʻonoʻo ai inā e hoʻihoʻi ʻo ia i ke kālā, a ʻoluʻolu paha i ka hapalua o ke kumukūʻai, akā i ka manawa like e lilo ke kaʻa i waiwai o ka pawnshop.

haʻina

No laila, e hōʻuluʻulu i nā mea a pau i luna, hiki iā mākou ke papa inoa i nā pono o ka loaʻa ʻana o kahi hōʻaiʻē ma kahi pawnshop i hoʻopaʻa ʻia e Title:

• ka wikiwiki - hoʻoholo ka hoʻoholo i hoʻokahi hola;
• ʻaʻole pono e lawe mai i nā palapala a me nā palapala hōʻoia;
• i loko o kahi pawnshop ʻaʻole lākou e hoʻolohe i kou wahi e noho ai a me ka pae kālā.

ʻOiaʻiʻo, hiki i ka panakō ke hōʻole i kahi hōʻaiʻē i ka poʻe me ka loaʻa kālā haʻahaʻa a i ʻole nā ​​​​mea i hoʻopaʻa inoa ʻia ma nā wahi ʻaʻohe lālā panakō.

Akā he mea koʻikoʻi nā hemahema i ka pawnshop:

• ʻae lākou i nā hiʻohiʻona holo wale o nā kaʻa hiki ke kūʻai ʻia me ka pilikia ʻole;
• hāʻawi wale i 50-60% o ke kumukūʻai;
• uku panee kiʻekiʻe.

Ma hope o ka hoʻopaʻa ʻana i kēia mau ʻikepili āpau, hiki mākou i ka hopena e loaʻa ka pawnshop wale nō inā lawe ʻia ka hōʻaiʻē no kahi manawa pōkole - hoʻokahi mahina a ʻelua paha, ua hilinaʻi piha ʻoe hiki iā ʻoe ke hoʻihoʻi i ke kālā i ka manawa.

Inā ʻaʻole ʻoe e kūʻai hou i ka TCP, a laila ma kēia hihia ʻoi aku ka maikaʻi o ke kūʻai aku i kāu kaʻa ma o nā hoʻolaha - e loaʻa iā ʻoe ka huina holoʻokoʻa, ʻaʻole 50-60%.

Ke hoʻouka nei…