Pehea e loaʻa ai kahi hōʻaiʻē kaʻa no kahi kaʻa hoʻohana

Ma nā kahua hoʻolaha manuahi a i ʻole i nā salona Trade-In, hiki iā ʻoe ke koho maʻalahi i kahi kaʻa hoʻohana maikaʻi. ʻOi aku ka haʻahaʻa o ke kumukūʻai ma mua o nā kaʻa hou.

E ʻae ʻo Toyota RAV4 i hoʻohana ʻia a i ʻole Renault Megane 2008 no 350 tausani he maikaʻi loa. 'Oia'i'o, hiki i ke ka'a ke koi i ka ho'oponopono hou aku, akā, 'a'ole kēia 'oia'i'o e hō'emi i nā mea nona ka mana'o hou.

Ma ka pūnaewele Vodi.su, ua kākau nui mākou e pili ana i nā papahana hōʻaiʻē mai nā panakō like ʻole no ke kūʻai ʻana i nā kaʻa hou. I kēia manawa makemake wau e noʻonoʻo i ka loaʻa ʻana o kahi hōʻaiʻē no nā kaʻa i hoʻohana ʻia.

ʻO ka mākeke kaʻa lua he mea maʻamau, ʻaʻole wale no nā ʻāina e ulu nei, akā no nā poʻe ʻEulopa a me ʻAmelika waiwai.

Ke hana nei nā polokalamu Trade-In ma laila no ka manawa lōʻihi loa a ʻaʻohe pilikia i ke kūʻai ʻana a kūʻai ʻana paha i nā kaʻa hoʻohana.

Nā ʻōlelo o nā hōʻaiʻē panakō no nā kaʻa i hoʻohana ʻia

ʻO ke kaʻa i hoʻohana ʻia ʻaʻole ia he kumuhana waiwai nui no nā panakō. ʻOiaʻiʻo, ʻaʻole like me kahi hale ma ka mākeke lua, ʻoi aku ka liʻiliʻi o kahi kaʻa i hoʻohana ʻia i kēlā me kēia makahiki. No laila, koi ʻia nā panakō e waiho i nā kūlana hou i mea e pōmaikaʻi ai ia mau hōʻaiʻē.

ʻOi aku ka kiʻekiʻe o ka uku paneʻe ma nā kaʻa hoʻohana. Inā ma kahi hōʻaiʻē kaʻa no kahi kaʻa hou āu e uku pinepine ai mai ka 10 a 20 pakeneka o ka makahiki, a laila ma kahi kaʻa i hoʻohana ʻia, hiki ke piʻi i ka 30 pakeneka.

Eia kekahi, aia kekahi mau uku huna:

• nā komisina no ka wehe ʻana i kahi waihona hōʻaiʻē ma kahi panakō;
• uku lawelawe mooolelo.

He kiʻekiʻe hoʻi ka uku i lalo: no nā kaʻa hou, ʻo ia ka mea maʻamau mai ka 10 pakeneka, a no nā kaʻa kahiko - 20-30%, hiki i kekahi mau panakō ke koi i 50%. Hiki i ka manawa hōʻaiʻē a hiki i ʻelima mau makahiki.

Hoʻomaopopo pū mākou iā ʻoe hiki iā ʻoe ke kūʻai i nā kaʻa ma ka hōʻaiʻē:

• home - ʻaʻole ʻoi aku ma mua o ʻelima mau makahiki;
• haole - ʻaʻole ʻoi aku ma mua o 10 mau makahiki.

E ʻoluʻolu, ʻaʻole pili kēia koi i nā kaʻa kaʻa a me nā kaʻa Premium. ʻO ia mau kaʻa pipiʻi, e like me ka Porsche 911 a i ʻole Ford Mustang Shelby, hiki ke kūʻai nui ʻia.

Me ka nele, e koi ka panakō i ka ʻinikua CASCO, a i mea e loaʻa ai, pono ʻoe e hoʻolako i ke kaʻa me kahi ʻōnaehana anti-theft - he mau koina hou kēia.

Nā ʻano hōʻaiʻē no ke kaʻa hoʻohana

E like me kā mākou i kākau pinepine ai ma nā ʻaoʻao o Vodi.su, ʻelua ʻano nui o nā hōʻaiʻē:

• nā polokalamu hōʻaiʻē kaʻa kūikawā e pili ana i nā kaʻa i hoʻohana ʻia;
• hōʻaiʻē kumu ʻole.

Nui nā panakō e hui pū me nā mea kūʻai kaʻa e hāʻawi i nā polokalamu Trade-In - hoʻolimalima kekahi kanaka i kahi kaʻa kahiko a loaʻa iā ia ka uku hoʻemi no kahi kaʻa hou. Hoʻokomo ʻia kēia mau kaʻa hoʻohana āpau no ke kūʻai aku a hiki iā ʻoe ke kūʻai aku iā lākou ma lalo o nā kūlana like me nā kaʻa hou. ʻAʻole pono paha ʻoe e hele i ka panakō a kākau i kahi noi - e hoʻoholo ʻia kēia mau pilikia āpau ma ʻaneʻi ma ka salon.

No ke noi ʻana i kahi hōʻaiʻē, lawe ʻoe i kahi pūʻulu o nā palapala:

• ka passport;
• ka lua o ka palapala (palapala haole, VU, ID koa, palapala penikala);
• hōʻike kālā;
• he kope o ka puke hana me ka sila "mau".

Inā ʻaʻole ʻoe i hana, hiki iā ʻoe ke lawe mai i kahi palapala hōʻoia o ka helu ʻauhau. Pono ʻoe ma kahi o hoʻokahi makahiki o ka ʻike i nā makahiki ʻelima i hala.

E hāʻawi ʻia iā ʻoe kahi nīnau nīnau, a ma hope o ka hoʻopiha ʻana, e kali i kahi hoʻoholo, hiki ke lawe mai ka hapalua hola a ʻelua a ʻekolu mau lā.

Inā makemake ʻoe i ka hōʻaiʻē mea kūʻai aku, a laila lawa ka passport, ʻoiai ʻo ka palapala hōʻoia o ka loaʻa kālā he mea hoʻohui hou iā ʻoe. Loaʻa i kahi hōʻaiʻē kumu ʻole nā ​​​​pono: ʻaʻole pono ʻoe e hoʻopuka i kahi CASCO, ʻaʻole e manaʻo ʻia ke kaʻa he hoʻohiki, e mau ka inoa i kou mau lima.

Nā papahana hōʻaiʻē kaʻa

Inā ʻoe e hele i ka pūnaewele mana o kahi kokoke i nā panakō Lūkini, hiki iā ʻoe ke loaʻa i nā huaʻōlelo o nā hōʻaiʻē no nā kaʻa i hoʻohana ʻia. Eia naʻe ke alo hou nei mākou i ka pilikia kahiko - ʻaʻole ʻoe e ʻike i nā kūlana kūpono ma nā pūnaewele, akā nui nā makana e like me "no CASCO" a i ʻole "no down payment".

Eia, no ka laʻana, ka papahana mai VTB 24 "Hoʻohana ʻia ʻo Autoexpress" (me ka ʻole CASCO):

• uku mua - mai 50 pakeneka;
• makahiki kaʻa - ʻaʻole ʻoi aku ma mua o 9 mau makahiki i ka manawa o ka hōʻaiʻē ʻana;
• ma na kaa wale no o na aina e;
• manawa hōʻaiʻē a hiki i 5 makahiki;
• uku - mai 25 pakeneka.

ʻO kekahi papahana mai AyMoneyBank (me ka ʻole CASCO):

• ka uku pānaʻi 10-27% (inā ʻoe e waiho koke i ka 75% o ke kumukūʻai, ʻo 7% ka uku i kēlā me kēia makahiki);
• ʻo ke kūʻai ʻana i kahi kulekele ʻinikua ola pilikino pono;
• ka uku mua - ʻaʻole koi ʻia (akā ʻo 27 pakeneka ka uku);
• e hōʻoia i ka hōʻoia o ka loaʻa kālā;
• ʻo ka makahiki o ka mea hōʻaiʻē he 22-65 mau makahiki;
• manawa hōʻaiʻē - a hiki i ʻehiku makahiki.

Akā, hoʻopuka ʻo AiMoneyBank i nā hōʻaiʻē no nā kaʻa a hiki i 15 mau makahiki i ka manawa o ke kālepa.

Nui aʻe nā papahana like ʻole mai nā panakō like ʻole, akā ʻaneʻane like lākou a pau.

Inā makemake ʻoe e noi i kahi hōʻaiʻē no kahi kaʻa i hoʻohana ʻia, a laila ʻōlelo nā mea hoʻoponopono Vodi.su:

• e hōʻiliʻili i ka nui i koi ʻia no ka uku i lalo (30-60 tausani ma ke kumukūʻai kaʻa o 250-350 tausani - ʻaʻole nui);
• e noi no kahi hōʻaiʻē no kahi manawa pōkole (e emi ka uku nui);
• kūʻai i kaʻa ma o Trade-In - eia nā kaʻa a pau e haʻi iā ʻoe e pili ana i nā hemahema āpau, a i ʻole, ke piʻi nei ka manawa e kūʻai ai i kaʻa ʻaʻole i hoʻokuʻu ʻia.

Ke hoʻouka nei…