E kūʻai i kaʻa me ka ʻole o ka panakō

Hoʻokomo - ua ʻike ʻia kēia manaʻo iā mākou mai ka wā Soviet, i ka wā i kūʻai ai nā ʻohana ʻōpio i nā mea pono hale a me nā lako ma kēia ʻano, a he liʻiliʻi ka overpayment - he komisina liʻiliʻi no ka hoʻopaʻa inoa. Ua maopopo he nui ka poʻe e moeʻuhane e kūʻai i kaʻa ma ke ala like i loko o ka hale - e uku mua, a laila e uku i ka huina holoʻokoʻa me ka uku ʻole i loko o kekahi mau mahina a i ʻole mau makahiki.

I kēia lā, ʻo nā polokalamu e hāʻawi ana e kūʻai i ke kaʻa ma ke ʻano he ʻokoʻa maoli a koi ʻia i waena o ka heluna kanaka, no ka mea, ʻo kēia ʻano hōʻaiʻē ʻaʻohe ukupanee. Eia kekahi, hana ʻia ka hoʻopunipuni e hana pololei ana ka mea kūʻai aku me ka salon, ʻaʻole me kahi waihona kālā a i ʻole ka hui hōʻaiʻē.

Nā kūlana no ke kūʻai ʻana i ke kaʻa ma ke ʻano haʻahaʻa

He mea pono e ʻōlelo ʻo nā kūlana no ka loaʻa ʻana o kahi hoʻolālā hoʻonohonoho pono i loko o ka salon hiki ke hōʻoluʻolu koke i ka huhū o nā mea he nui:

• hāʻawi ʻia ia no kahi manawa pōkole, maʻamau no hoʻokahi makahiki (hiki i kekahi mau salons ke hāʻawi i nā haʻawina a hiki i ʻekolu makahiki);
• ʻO ka uku mua he obligatory a me nā awelika mai 20 a 50 pakeneka o ke kumukūʻai;
• pono e hoʻopaʻa ʻia ke kaʻa ma lalo o CASCO.

He hoihoi nō hoʻi ka papahana no ka loaʻa ʻana o nā haʻawina. Ma keʻano maʻamau, komo ʻoe i kahi kuʻikahi me ka salon, akā ʻaʻole ʻo ka salon kahi ʻoihana kālā a pono ke komo ʻana o ka panakō. E uku ʻoe i kahi hapa o ke kumukūʻai o ke kaʻa, a laila hāʻawi ka mea kūʻai kaʻa i ke koena ʻaiʻē i ka panakō, a me ka uku hoʻemi. ʻO kēia hoʻemi ka loaʻa kālā o ka panakō - ma hope o nā mea a pau, pono ʻoe e uku i ka ʻaiʻē holoʻokoʻa me ka uku ʻole.

Hiki i kekahi ke koho wale i ka ʻae ʻana o nā mea panakō a me nā mea kūʻai kaʻa i waena o lākou. Eia kekahi, ma nā haʻawina ʻaʻole hiki iā ʻoe ke kūʻai i kekahi kaʻa, akā he mea hoʻolaha wale nō. ʻO ka maʻamau, ʻo ia nā hiʻohiʻona e kūʻai aku ana i nā mea ʻino a i ʻole i koe mai nā kau i hala.

ʻAe, ma waena o nā mea ʻē aʻe, pono ʻoe e noi no CASCO, ʻaʻole wale ma nā wahi āpau, akā pololei i kēlā mau ʻoihana ʻinikua e hāʻawi ʻia iā ʻoe ma ka hale kūʻai kaʻa. He mea hoihoi ia, akā ua ʻike ʻia aia i loko o kēia mau ʻoihana e ʻoi aku ka uku o ke kulekele CASCO ma mua o nā mea hoʻokūkū. ʻO kēia kekahi ʻāpana o ka "kipi" ma waena o nā panakō, nā salona a me nā ʻoihana ʻinikua. Inā hoʻopau ʻia ka ʻaelike hoʻokaʻawale no kekahi mau makahiki, a laila e mau ke kumukūʻai o ke kulekele CASCO, ʻo ia hoʻi, e nalowale ana ʻoe i kekahi mau pakeneka.

No ka nui o kou makemake e hoʻokaʻaʻike i ka panakō, pono ʻoe e huki i kahi waihona panakō a me kahi kāleka plastik e uku ai ʻoe i kāu aie. Lawe ʻia kekahi komisina no ka lawelawe ʻana i ke kāleka.

ʻO ia hoʻi, ke ʻike nei mākou e koi mau ana ka uku ukupanee i nā kumukūʻai e pili ana iā mākou, a e lawe mau ka panakō i kāna uku.

Pehea e loaʻa ai kahi hoʻolālā uku no kahi kaʻa ma kahi kūʻai kaʻa?

No ke noi ʻana i kahi hoʻolālā uku no ke kaʻa ma kahi kūʻai kaʻa, pono ʻoe e lawe mai i kahi palapala maʻamau: kahi passport me ka hoʻopaʻa inoa ʻana, kahi palapala ʻike lua, kahi palapala hōʻoia o ka loaʻa kālā (me ka ʻole, ʻaʻohe mea e hāʻawi iā ʻoe i kaʻa i loko. hoʻokaʻawale). Eia kekahi, pono ʻoe e hoʻopiha i kahi nīnau nīnau nui e pono ai ʻoe e hōʻike pololei i nā ʻike āpau e pili ana iā ʻoe iho, e pili ana i ka waiwai neʻe a me ka waiwai ʻole, e pili ana i ka loaʻa kālā o nā ʻohana, e pili ana i ka loaʻa ʻana o nā hōʻaiʻē, a pēlā aku. A laila nānā pono ʻia kēia ʻike a pau.

ʻO ka maʻamau ʻekolu lā e hoʻoholo ai, ʻoiai hiki iā lākou ke ʻae i ka hoʻolālā hoʻokaʻawale ma mua inā ʻike lākou e kū nei lākou i kahi kanaka maʻamau me ka mōʻaukala hōʻaiʻē maikaʻi. Hoʻomau ka hoʻoholo maikaʻi no 2 mau mahina, ʻo ia hoʻi, hiki iā ʻoe ke koho i kahi kaʻa ʻē aʻe a hoʻololi paha i kou manaʻo.

Ma ke kumu, e like me ka hoʻolālā ʻana o ka hoʻolālā hoʻonohonoho - ʻo ia wale nō. A laila hana ʻoe i kahi uku mua, hele e hoʻopaʻa inoa i kahi kaʻa, kūʻai iā OSAGO, CASCO, a pēlā aku. Noho ka inoa ma ka salon a i ʻole hele i ka panakō, e loaʻa iā ʻoe ma hope o ka uku ʻana i ka aie.

ʻO nā ala ʻē aʻe e kūʻai ai i ke kaʻa me ka ʻole o ka panakō

Inā ʻaʻole kūpono ia ʻano hoʻolālā i loko o ka salon "me ka ʻole o kahi panakō", hiki iā ʻoe ke hoʻāʻo e kūʻai i kahi kaʻa i hoʻohana ʻia ma ka mākeke lua mai kahi mea kūʻai pilikino. Ua ʻae ʻia kēia a ʻaʻole kūʻē i ke kānāwai. Hiki ke koho ʻia ma aneʻi, akā pono lākou āpau e notarized:

• hana ʻia kahi ʻaelike kūʻai, wehewehe kikoʻī i nā ʻōlelo o ka uku;
• hana ʻia kahi ʻaelike hōʻaiʻē - loaʻa iā ʻoe kahi kaʻa a hana ʻoe e uku iā ia i loko o ka manawa i ʻōlelo ʻia;
• loaʻa - ua huki ʻia kahi palapala hōʻaiʻē, kahi i hoʻokomo ʻia ai nā kālā a pau i uku ʻia a hōʻoia ʻia kēia mau mea a pau e nā pūlima o nā ʻaoʻao i ka ʻaelike.

Ma keʻano like, hiki iāʻoe ke kūʻai i kaʻa mai kahi hui. Nui nā limahana e hana i ka ʻaelike waha a i ʻole kākau ʻia me ko lākou mau luna a hoʻohana i nā kaʻa ʻoihana me he mea lā no lākou iho, ʻoiai e uku ana i ka hoʻolimalima paʻa. Me kēia ʻano hana, ʻaʻole pono e hopohopo ka luna, no ka mea, mālama ʻo ia i ka loaʻa kālā o kāna subordinate.

Ke hoʻouka nei…