Kodi n'kopindulitsa kuyendetsa magalimoto pa ngongole popanda kulipira?

Msikawu, womwe umapereka ngongole, lero ukhoza kuyerekezedwa ndi nkhondo, yomwe, monga momwe ikudziwira, njira zonse ndi zabwino. Osati zosiyana ndi ngongole yogula galimoto. Pa nthawi yomweyi, ogulitsa amalingalira kuti ena samatenga ngongole ya galimoto chifukwa alibe ndalama zoti azilipire. Kwa makasitomala amenewa, magalimoto tsopano alipo pa ngongole popanda kulipira.

Ndani angavomereze?

Ngakhale kuti kukhulupirika kumasonyezedwa pakali pano, ngongole ya galimoto popanda zopereka idzavomerezedwa okha ndi omwe angakwaniritsidwe ndi zifukwa zina. Palibe mabanki omwe angabwereketse ngongole ngati wobwereka asanakwanitse zaka 21, ndipo mabungwe ambiri azachuma adzakana aja omwe achoka kale. Chimodzi mwa zofunika kwambiri ndi mlingo wa ndalama. Apa maganizo a mabanki agawidwa. Zina zimafuna kalata, pamene malipiro ayenera kukhala ochuluka kwambiri kuti malipiro a mwezi uliwonse sali oposa theka lake. Mtengo wa izi udzadalira kwathunthu pa banki lomwe mumalumikizana nawo. Mabanki ena akhoza "kutseka maso anu" kukutsimikiza kuti simungathe kutsimikizira ndalama ndi kalata, koma mudzafunanso zikalata za katundu, pasipoti kapena zolemba zina.

Kulipira ngongole popanda malipiro - kodi ndi choncho?

Zikuonekeratu kuti zofunikira za mabanki zikhoza kukhala zosiyana, koma pazifukwa zotero, ambiri a ku Russia akugwa, omwe mwazifukwa zina samangotenga kugula magalimoto atsopano, ngakhale mabanki amapereka nthawi zonse kuti achite izi ngakhale popanda ndalama kuti awononge. Chifukwa chachikulu cha makonzedwe ameneŵa ndi ndalama za mapulogalamu a ngongole, zomwe zimapereka kupeleka kubweza. Izi zikutanthauza kuti, ngati mupanga ngongole ya galimoto malinga ndi pulogalamu yapamwamba, chiwongoladzanja chidzakhala 13-17%, ndipo ngati mutenga galimoto pa ngongole popanda chigawo choyamba, mlingowo umakula kufika 30 peresenti. Ndiphindu ndikuphatikizapo ntchito ya banki, inshuwalansi ya galimoto komanso nokha. Ndipo tsopano muwerengetse kuchuluka kwa ndalama zomwe mungagule kugula galimoto popanda malipiro.

Ndipo ngati mukufunabe?

Ngati mukufunabe kugula galimoto yatsopano "pakalipano", ganizirani musanagwire chiganizo choyamba chomwe chimabwera. Mapulogalamu oterewa ali ndi mabanki ambiri, choncho ndi bwino kuyang'ana mabungwe osiyanasiyana ndikuyerekeza. Izi ziyenera kuganiziridwa: ngati ngongole za galimoto zimaperekedwa pamlingo pansi pa 11% popanda kulipira, ndiye banki ikhoza kubwezeredwa ndi komiti yomwe imayendetsedwa mwezi uliwonse, yomwe ikhoza kubwezeredwa ndi theka. Izi zikugwiranso ntchito pa mapulogalamu ena ofanana ndi awa: banki sichitha kugwira ntchito.

Mutasankha choyenera, muyenera kusonkhanitsa mapepala, mndandanda wa zomwe mudzapatsidwa ku banki. Mukatsimikiziranso kuti creditworthiness yanu imatsimikiziridwa, pakupezeka kwa inu mutakhala galimoto pa ngongole popanda malipiro, kuphatikizapo, ndipo mlingo wa ngongole idzakhala yotsika kwambiri.