No ke aha ʻoe e makaʻu ʻole ai e kūʻai i kaʻa i hoʻohana ʻia me kahi moraki

Ma hope o ka ʻimi hoʻoluhi, loaʻa iā ʻoe ke kaʻa o kāu mau moeʻuhane: hoʻokahi mea nona, "keiki" mileage, ʻaʻohe hoʻopiʻi e pili ana i ke ʻano a i ʻole ka ʻenehana, ke kumu kūʻai nui. ʻO ka mea wale nō i ka nānā ʻana i ka maʻemaʻe kānāwai, ua ʻike ʻia ua hoʻohiki ʻia ke kaʻa. Akā, mai wikiwiki e huhū: hiki iā ʻoe ke kūʻai i nā kaʻa "bank". Pehea e hana pololei ai, i ʻole e pau ke kālā me ka ʻole o ka "ale", wahi a ka portal AvtoVzglyad.

I kēia lā, kūʻai ʻia kēlā me kēia kaʻa hou kekona me nā kālā ʻaiʻē. E ʻoi aku ka pololei, e like me ka National Bureau of Credit Histories (NBCH), ʻo nā kaʻa hōʻaiʻē he 45% o ka nui o nā kūʻai aku i ka makahiki i hala. Eia kekahi, i nā manawa he nui, hoʻopuka ʻia nā hōʻaiʻē (ʻo nā kaʻa a me nā mea kūʻai aku) ma ka palekana o kahi kaʻa - ma nā huaʻōlelo ʻoi aku ka maikaʻi no ka mea kūʻai aku me ka uku uku hoʻemi.

Inā mākou e kamaʻilio e pili ana i nā hōʻaiʻē kaʻa, a laila hoʻohiki ʻia ke kaʻa i ka panakō a hiki i ka uku ʻana o ka ʻaiʻē. No ka mea kūʻai aku, aia i ka hui kālā ke kuleana e kūpono i ke kaʻa inā ʻaʻole hoʻokō ka mea kūʻai i kāna mau kuleana. A, ʻoiaʻiʻo, hāʻawi ʻia ke kūlana "collateral" i nā kaʻa i kūʻai ʻia ma ka hoʻolimalima. Eia hou, a hiki i ka manawa e uku ai ka mea nona ka mea hoolimalima.

E like me ia, akā ʻokoʻa nā kūlana o ke ola - pono pinepine nā mea hoʻokele e kūʻai aku i nā kaʻa moraki. ʻO ka poʻe kūʻai, ma kekahiʻaoʻao, e hilahila iā lākou, e like me Gehena mai ka meaʻala, hopohopo e holo i nā scammers a "e loaʻa i ke kālā maoli." A makehewa - nui ka poʻe hoʻopunipuni, akā aia nō nā kamaʻāina maikaʻi.

Inā makemake ʻoe i kahi kaʻa moraki, e kelepona i ka mea kūʻai aku a ʻike i nā kikoʻī āpau. ʻO ka mea nona kēia manawa me ka ʻoiaʻiʻo, ʻano ʻano, e kamaʻilio e pili ana i kāna kūlana kālā paʻakikī a me nā hana koi? A laila he mea kūpono ke hāʻawi iā ia i kahi manawa - e holo i luna e nānā i ke kaʻa. E nānā pono i nā palapala: e hōʻoia ʻo ia ka mea nona i mua ou - e nānā i kāna passport a nānā i ka ʻikepili me ka STS inā ʻaʻohe PTS.

ʻAe, ʻo ka nele o kahi TCP ʻaʻole pono e huikau iā ʻoe, no ka mea, mālama pinepine ʻia ka palapala e ka mea hāʻawi. ʻO kahi mea ʻē aʻe he kope o ka passport, kahi i wehewehe ʻia e ka mea kūʻai aku ma ka nalowale ʻana o ka palapala kumu. He scam kaulana kēia. Lawe ʻia ke kaʻa ma ka hōʻaiʻē, komo ka mea nona ka aie, noi i kahi kope o ka TCP i nā mākaʻi kaʻa a kūʻai hou aku i ke kaʻa, me he mea lā ʻaʻohe mea i hana. A ma hope o kekahi manawa, hopu ka ʻaha i kēia kaʻa mai ka mea hou aku.

Inā ʻaʻohe manaʻo kānalua i ka wā o ka nānā ʻana i nā palapala, pono ʻoe a me ka mea kūʻai aku (a ʻoi aku ka maikaʻi, e lawe i kahi loio hilinaʻi me ʻoe) e kipa i ke keʻena o ka panakō kahi i hoʻohiki ʻia ai ke kaʻa. Ma hope o nā mea a pau, hiki ke kūʻai hou ʻia ke kaʻa me ka ʻae ʻana o kahi ʻoihana kālā. Akā, mai lawe i ka ʻōlelo a ka mea kālepa no ia mea - e noi i kahi palapala hōʻoia o ka ʻae ʻana o ke kālepa e ka panakō.

- ʻElua ala e kūʻai ai i kaʻa mai kahi hui kālā: e uku i ke koena o ka hōʻaiʻē i ka panakō, a ʻo ke koena i ka mea nona, a i ʻole e hāʻawi hou i ka hōʻaiʻē iā ʻoe iho. Ma nā hihiaʻelua, pono e hoʻopau i kahiʻaelike kūʻai a kūʻai aku ma hope o kaʻaeʻana o ka hui kālā, - ua'ōlelo lākou i ka puka AvtoVzglyad ma AvtoSpetsTsentr Group of Companies.

Inā ua mākaukau ʻoe e uku koke i ka huina holoʻokoʻa (i ka panakō a me ka mea kūʻai aku), a laila e hōʻoia ka notary i ka hana kūpono, a laila hoʻolaha ʻia ka mea ʻaiʻē. Makemake ʻoe e kūʻai i kāu hōʻaiʻē? A laila, ʻo ka mea mua, pono ʻoe e hōʻoia i kāu hōʻoia me nā palapala hōʻoia o ka loaʻa kālā maʻamau, a laila hoʻopau i kahi ʻaelike tripartite ma ka hāʻawi ʻana i nā kuleana aie me ka mea nona mua a me ka ʻelele o ka panakō.

'Ōlelo hou mākou no ka mea he kiʻekiʻe loa nā pilikia, ʻoi aku ka maikaʻi o ka hōʻoia ʻana i ke kaʻina holoʻokoʻa o ke kūʻai ʻana i kahi kaʻa i moraki ʻia e ka loio - kahi kanaka āu e hilinaʻi ai. Akā ʻo nā salons "hina" e kūʻai aku ana i nā mīkini "bank", ʻoi aku ka maikaʻi o ke kāʻei. E haʻi aku nā mea kūʻai aku iā ʻoe no ka manawa lōʻihi e pili ana i ka maikaʻi ʻole o ke kikowaena a me ka ʻike o ke kālepa. A i ka hopena - e like me nā mea kālepa pilikino maikaʻi ʻole: e waiho ʻia ʻoe me ke kālā ʻole a me ke kaʻa ʻole.