Abin da kuke bukatar sabunta mota rance?

Sau da yawa, mutane sama da kudi domin sayan kayan aiki daga kudi cibiyoyin. A cikin 'yan shekaru da girma shahararsa na da sabis na bankin, da aka sani da "refinance mota aro." Wannan hanya ne m, a cikin wadannan lokuta:

- a lokacin da abokin ciniki yake so ya musanya wani tsohon mota zuwa wani sabon daya.

- idan borrower ba ta dace da halin yanzu mota aro.

muradi

Ko da yaushe wani abu faruwa: canji amfani rates, sabon rance shirye-shirye, tallafin, labarai motocin. Refinancing mota aro ba ka damar ci gaba da sama da canje-canje. A marmarin canja mota bayyana a cikin mutane da yawa da suka cika ta bashi. Bisa kididdigar da a cikin babban direbobi na canza mota kowane 'yan shekaru, da kuma bashi ga mota ana ba ga wani lokaci har zuwa shekaru 5. Wani dalili na refinancing - da canji dari. Akwai su da yawa irin wannan shirye-shirye, bankuna gasa da kuma kokarin inganta yanayi ya jawo hankalin abokan ciniki. Wani lokaci akwai canje-canje a cikin rayuwar borrower, misali, canza ta samun kudin shiga da bayyana m mutum, iya zama wani tabbacin ko wasu yanayi da cewa yin aro mafi m. Idan wani ya bayar da wani rance da daloli, canji mana - ma wani dalilin to sabunta. Yin mota rance ba tare da wani kwalkwali - shi ne ma wani zaɓi don ceton kudi.

Abin da aka miƙa don mota dillalai

Salons, sayar da biyu-hannu motoci, waje motoci sayar da bashi sayi 'yan shekaru da suka wuce. Don rage lokaci da ake bukata domin hawa tallace-tallace saloons shiga cikin wata kwangila tare da banki, abokin ciniki alamu takardun da ake bukata. The "haihuwa" mota da yake a cikin shago, da kuma "sabon" da aka bai wa mai saye. The kudin na watsi da abin hawa za su rufe da farashin na ci, da rance zai zana riga a kan bambanci a price. a request daga abokan ciniki zabi tsohon ko amfani da motoci. Shi ne ya kamata a lura da cewa refinancing mota aro ba ka damar saya waje motoci ba girmi shekaru 10, da mota Vaz, wanda shekaru ba fiye da shekaru 5. Farms mazan bankunan ba su yarda da matsayin na biyu. Shin m motoci da high liquidity, tantance su shekaru, nisan miloli, hali dubawa. Yawanci, da sharuddan miƙa ta mota dillalai cika da na yanzu kasuwar halin da ake ciki.

banki shirin

Refinancing iya zama a wannan banki, wanda aka yi wa ado avtozaem, kuma zai iya zama a cikin wani. Daga cikin na farko ya bayar da wannan sabis don bankuna kamar Absolut, Raiffeisen, Unicredit. Idan muka yi la'akari da refinance mota rance cewa sun bayar da, da yanayi da ake m na tsawon zuwa wanda da Grant kudi, girman saukar da biyan bashin (yawanci shi ne daidai da farashin da tsohon mota), da rance kudin.

fifikon refinancing

Lokacin da kake so ka saya wani sabon mota, gwamnatin tallafin da kunshe a cikin shirin, za ka iya ba da wani tsohon mota a kan asusun na farko biyan bashin. Shi ne kawai ya cancanta rajistan shiga tare da kudi ma'aikata bayanai ga rangwamen ruwa rance. Tabbata a tambaye game da duk abin da ya yi m refinance mota aro. Banks iya gabatar da yanayi daban-daban.

Ake bukata takardun:

- samun kudin shiga bayani (2NDFL).

- kwafi na aikin (a kwangila da cewa kana haya don aiki).

- fasfo;

- wani lasin.

Wannan yayi wani Savings Bank?

A wannan banki ne m shirin 2:

- da bashi ga wani sabon mota sharing.

- wani canji na bashi yanayi.

Refinancing a mota, rance a cikin Savings Bank ne mai babbar hanya, wanda ya samar da:

- jerawa da shawara na aikace-aikace da bankin.

- kisa lamuni (dama).

- inshora na abin hawa, wanda aka samu.

Refinancing auto rance - shi ne mai ban sha'awa kudi kayan aiki a hannun mutane da yawa da suka iya a hankali don fahimtar duk da yanayi na samarwa shirye-shirye.