Ana iya samun lamunin mota mafi fa'ida daga bankunan capping

Idan mutum yana buƙatar mota cikin gaggawa, to a shirye yake ya yi nazarin tsaunukan bayanai don samun mafi dacewa da yanayin lamuni. Mun mai da hankali sosai kan batun shirye-shiryen bashi a shafukan mu na Vodi.su.

Idan kun karanta waɗannan labaran a hankali, za ku ga cewa rancen mota a Rasha ba shi da fa'ida sosai, tun da dole ne ku fara biyan kuɗi, tabbatar da kuɗin ku, siyan CASCO kuma, a lokaci guda, biya daga 10 zuwa 20 bisa dari.

Kowane mutum yana da buri daban-daban na mota: wani yana buƙatar mota mai sanyi na miliyan uku, wani yana shirye ya sayi sedan kasafin kuɗi na cikin gida don zuwa ƙasar, kuma wani zai isa ya yi amfani da “XNUMX”. Daga wannan kuna buƙatar haɓakawa, zaɓi mafi kyawun tayin don kanku.

Ba za mu lissafa sunayen bankunan Rasha da yawa ba kuma muyi magana game da ƙimar riba - kusan iri ɗaya ne. Ina so in jawo hankalin masu karatu zuwa irin wannan sabon abu ga Rasha kamar yadda bankunan capping.

Bankunan da aka kama - menene?

Bankin capping ƙwararriyar cibiyar kuɗi ce wacce ke ba da haɗin gwiwa ta musamman tare da takamaiman masana'antar mota. Saboda haka sunayen: Toyota Bank, BMW Bank, Bank of Tokyo-Mitsubishi UFJ. Wasu masana'antun suna aiki tare da bankuna kuma suna ba da shirye-shiryen ba da lamuni na kansu, kamar Nissan-Finance.

Menene fa'idar irin waɗannan bankunan da shirye-shirye akan lamunin mota na yau da kullun?

Abun shine cewa masu kera motoci ba su da sha'awar ƙarin riba kamar bankunan mu (zaku iya zaɓar ƙa'idar da kanku). Farashin motar ya riga ya haɗa da duk farashin samarwa: kayan, bayarwa, kuɗin sake amfani da su, albashi, yakin talla, da sauransu.

Saboda haka, manufar ita ce a sayar da ƙarin motoci kuma a cikin ɗan gajeren lokaci. Don haka ƙananan ƙimar riba.

Bari mu dubi tayin da ake da su a yau.

Toyota Bank yana ba da shirye-shirye da yawa don samfuransa:

• Kasuwancin Camry - daga 5,9 a kowace shekara;
• Gwajin Toyota (tabbatacciyar Toyota) - rancen mota mai nisan mil - daga 9,9 zuwa 17 bisa dari a kowace shekara;
• Hybrid - rance ga matasan motoci Toyota da Lexus daga kashi 8,9 zuwa 13,3.

Ana sabunta shirye-shiryen lamuni akai-akai, babu ma'ana don lissafin su duka, amma ainihin ma'anar a bayyane yake - sha'awar tana da fa'ida, don yawancin shirye-shirye biyu takardu sun isa, CASCO da VHI ba a buƙata.

Gaskiya ne, akwai "AMMA" guda ɗaya - ana ba da irin waɗannan yanayi masu kyau kawai don wasu samfura, alal misali, a jajibirin bukukuwan Sabuwar Shekara, gabatarwa ga Toyota RAV4 yana farawa a 8,9%, amma a ƙarƙashin gudummawar akalla 30% . Kuma don samun Camry akan 5,9%, kuna buƙatar saka kuɗi daga kashi 50 cikin ɗari.

Wato tayin yana da fa'ida sosai, amma ga wanda zai iya biya rabin kudin mota mai tsada daga Toyota nan take. Bugu da ƙari, sharuɗɗan fifiko suna aiki ne kawai na shekara ɗaya, amma idan kuna son samun lamuni na dogon lokaci, to ku shirya don ƙimar da aka saba daga kashi 9 zuwa 17.

BMW banki, Har ila yau, yana da abin da zai ba abokan cinikinsa:

• BMW Special - lamuni don sababbin motoci, farashin daga 6,5 zuwa 12,5%;
• MINI Ideal - bashi ga MINI Daya daga 5,95 zuwa 10 bisa dari;
• BMW tare da ragowar biyan kuɗi - 11,5-13%.

A bayyane yake cewa BMW ba ya samar da motoci mafi arha kuma yawancin sababbin ba sa mafarkin su, amma akalla Dacia Nexia ko Lada Kalina, amma yana da daraja la'akari. Misali, jerin BMW 3 karkashin shirin na musamman na BMW zai kai kimanin 18-25 dubu a wata. Sharuɗɗan sune kamar haka: inshora na CASCO na wajibi, gudummawar 15%, ƙimar daga 6,5 zuwa 12,5 - ƙimar ya dogara da lokacin lamuni. BMW X3 SUV karkashin wannan shirin zai biya ku 25 kowane wata.

Mutanen da kuɗin shiga ya ba ku damar biyan irin waɗannan lamuni, ba shakka, ba za su wuce irin wannan tayin ba.

Idan muka dauki misali shirin kudi Nissan Finance, sa'an nan za mu ga cewa an ba mu quite nagartaccen yanayi. Don haka, akwai tayi don crossovers da SUVs: Murano, Patrol, X-Trail, Navara. Idan ka ajiye kashi 30 cikin 485 na kudin Nissan Murano nan da nan (zai zama dubu 80) kuma ka nemi lamuni na shekara guda, to za ka buƙaci biyan kusan dubu 4,9 a wata. Kuɗin da ya wuce kima zai zama kashi XNUMX kawai.

Akwai haɓaka don Nissan Juke - Zero kashi na shekaru biyu. Amma wannan shine idan kun biya rabin kudin nan da nan - 300 dubu. A cikin wata daya za ku buƙaci biya kawai 13 dubu rubles. Ga wadanda ba za su iya biya nan da nan ba, za ku iya karya dukan adadin zuwa shekaru 3-5, ko da yake yawan zai kasance mafi girma - 8,9-14,9, kuma za ku biya 14-15 dubu kowace wata.

Idan kuna so, zaku iya samun ƙarin irin waɗannan shirye-shiryen daga Renault, Peugeot, Mitsubishi, Mazda da sauran masana'antun. VW da Skoda suma suna da nasu tallan talla.

Lura cewa yawancin masana'antun kasashen waje suna shiga cikin shirin sake yin amfani da su kuma suna ba da rangwamen kuɗi na 40-50 dubu, dangane da musayar tsohuwar mota don sabuwar. Abin takaici, yawancin waɗannan tayin sun shafi motoci masu matsakaici da matsakaicin farashi.

Ana lodawa…