Waa maxay barnaamijka deynta gaariga ahaaneed?

Gaari gaar ah - waa wax wanaagsan in la hadal sida aan qof walba awoodo ah ku doodi. Si kastaba ha ahaatee, iibka tani ma aha raqiis ah, oo isu ogolaato inaad eegto Show Motor oo dhan isku wadanka yihiin ma awoodo our. Taasi waa sababta sanad kasta waxaa la helo barnaamijyo amaah baabuur caan in lagu xad kala duwanaayeen karo. Sidoo kale, dhowr sano, waxaa jira barnaamij amaah baabuur ahaaneed for Russia. Si kastaba ha ahaatee, waxyaalihii hore marka hore.

Sida loo helo amaah ah ku gaari

Si aad u taariikhda, waxaa jira saddex siyaabood si ay u iibsadaan baabuur on credit. Barnaamijka Car:

Aasaasiga ah. Barnaamijkan waxa ay la mid tahay daynta caadiga ah ee macaamiisha. Waxay kuu ogolaanaysaa inaad si ay u iibsadaan in isticmaalka labada baabuurta cusub iyo sida loo isticmaalo, iyo waa muhiim ahayn, waa wax soo saarka gudaha ama waddamada shisheeye. Laga soo bilaabo marka la helo lacag deyn la siiyo wax ka badan 90 maalmood ah oo ku saabsan doorashada iyo iibsiga gaariga. Ka dib markii gadashada baabuurka noqdo damaanad bangiga. Inta ay ka amaah trust noqon kartaa ilaa 5 milyan oo rubles, iyo dulsaarka u sarraysaa sida 20%. Money waa barnaamijka asaasiga ah ee deynta gaariga waxaa laga heli karaa ilaa 5 sano.

Affiliate. Doorashadan waxa ku dhawaad waa avtosubsidirovanie isla aasaasiga ah iyadoo farqiga kaliya in ay in ay macquul tahay in la yareeyo qaar ka mid ah dulsaarka amaah ah, haddii aad soo iibsato baabuur in saaladda, taas oo lamaane ah ee bangiga amaahda. Barnaamijkan waxa uu leeyahay dhowr darrada:

• iibsato baabuur la isticmaalay sidan ma guulaysan doonaan;
• doorashada waxaa koobna kuwa lagu daydo in lagu soo bandhigay in macradka gaar ah;
• waxay yeelan doonaan si ay u diyaariyaan deeqdan ay tahay billowga ugu yaraan 20%.

Barnaamijka Dawladdu waxay of amaah baabuur ahaaneed. lacagta amaahda ee barnaamijka noocan oo kale ah waxaa laga yaabaa in 85% ka mid ah kharashka gaariga, laakiin kama badan karto 800 kun. rubles. waqti Turnaround - ma ka badan 3 sano. Nuxurka barnaamijka deynta gaariga ahaaneed waa in qayb ka mid ah xiiso amaah ku bixisaa gobolka aad for, taas oo si weyn u yaraynaysaa heerka dulsaarka ee amaahdaana. Heerka kaalmo dhaqaale oo kale ka dhigan tahay gebi ahaanba ku tiirsan tahay heerka Huang CBA, si kastaba ha ahaatee ay dhacdo in kasta oo laga yaabaa kala duwan.

macluumaadka taariikhiga ah

Barnaamijka deynta gaariga ahaaneed markii ugu horaysay la tijaabiyey in Federation Ruush ah intii lagu jiray xiisadda 2009. Go'aankan, wada jir ah ula barnaamij dib u warshadaynta ee baabuurta jir caawiyay sii sabbaynaya automakers gudaha iyo si weyn u cusboonaynta raxan reer Russia. Si kastaba ha ahaatee, barnaamijka koowaad ee deynta gaariga ahaaneed lahaa tiro ka mid ah ceebaha:

1. Waxaa markii hore loogu talagalay in lagu taageero shirkadda "AvtoVAZ", sida celceliska kharashka baabuurta ee brand this ma ka badnaan 350 kun. Rubles.
2. Line, ansixiyey Wasaaradda Warshadaha hirgelinta barnaamijka, wuxuu ahaa magacyada 10 oo kaliya, wax badan oo la doortay macaamiisha ku jiray.
3. Qaybta kale xun ee su'aashu waxay tahay lacag qaali hore - ugu yaraan 30% ee qiimaha gaariga. Ku rid qadar isla waqti isku mid ah oo aan qof kasta awoodi karin.

Si kastaba ha ahaatee, iyada oo dhererka waqtiga, barnaamijka helay taageero badan, lacag bixinta hore uu ahaa mid kala bar, oo kala duwan ayaa la ballaariyey shan jeer. Maanta waxaan dhihi karaa hubaal ah in barnaamij amaah gaariga ahaaneed waa habka ugu caansan si aad u iibsato baabuur shakhsi ah. Si kastaba ha ahaatee, waqtiyo kala duwan barnaamijka avtosubsidirovaniya la joojiyo, ka dibna mar kale dib u bilaabay, iyo wax badan su'aaleenna sida haddii si ay u sii wadaan mustaqbalka ka hor 2015.

Liiska cusub ee baabuurta

In kasta oo xaqiiqda ah in xaaladda dhaqaale ee hadda waa wax aan degganayn, la April 1, 2015 kasbadeen barnaamij cusub oo amaah baabuur ahaaneed. List of auto ballaarisey 50 jagooyinka, si kastaba ha ahaatee, soo bandhigay xaalad cusub: gaariga helay barnaamijka sida waa in 2015 a.

Sidaas darteed, waxaa iska cad in liiska baabuurta bixiyey iibsiga sannadka hadda waa arrin ballaaran oo aan ku koobneyn ku dayashada qoyska.

Loan Auto Shuruudaha

In 2015, ayaa sidoo kale la bedelay iyo qaar ka mid ah shuruudaha arrinta amaah baabuur on shuruudaha wanaagsan, waayo:

• Qiimaha guud ee gaariga soo iibsatay hoos shuruudaha amaahda concessional, waxaa laga yaabaa in aanay ka badan 1 milyan oo rubles,
• lacagta ugu badan ee suurtogalka ah ee amaahda - 800 kun rbl,..
• lacagta amaahda ugu yaraan la go'aamin karaa by bangiga laftiisa;
• Amaahda waxaa laga heli karaa oo keliya in rubles Ruush,
• gaariga in macaamiisha ay dooneyso in ay soo iibsato, waa in la ururiyo dalka reer Russia,
• gaari xamuul ah ma awoodi doonaan in ay soo iibsato sidan oo kale, sida mass guud ee model la doortay kama badan karto 3.5 tan,
• amaah waa la soo saaray laga yaabaa in muddo aan ka badnayn 36 bilood (3 sano);
• gaari iibsaday ma waa in hore loo soo saaray si dadka dabiiciga ah iyo in laga diiwaan geliyaa (diiwaangelinta) iyadoo la raacayo sharciga Ruush,
• heerka amaahda waxaa loo xisaabiyaa sida farqiga u dhexeeya heerka dulsaarka ku xusan heshiiska ururka dhaqaale, iyo saddex-meelood laba ka mid ah heerka maalgelinta ee Bangiga Dhexe ee Ruushka waqtiga baaraandegidda amaah ah;
• soo celiyo waxa kaliya oo loo dulsaarka muddo go'an ah,
• shubasho (hoos u bixinta) waa 20%, laakiin waxaa laga yaabaa in ka badan (at codsiga of amaahdaana);
• Credit keliya heli kartaa muwaadiniinta Russia.

Sidee Heerka dulsaarka ee

Sidaas darteed, barnaamijka deynta gaariga ahaaneed bixiyaa magdhow kaliya qayb ka mid ah danta on deynta, waxay ku xiran tahay heerka Huang wuxuu hadda qaatay Bangiga Dhexe ee Russia. Bandhigyada xisaabaha fudud, oo aad naftaada ka heli kartaa, sida badan u leeyihiin in ay bixiso haddii ay dhacdo kasta. Si arrintan loo sameeyo, u isticmaal caanaha fudud:

Sabuurka = AC - 2/3 x Ref, kuna waari dhexdeeda,

• Sabuurka - heerka dulsaarka sannadlaha ah;
• Gc - dulsaarka ee saameynta waqtiga diiwaangelinta si amaah ah ku hoos nidaamka caadiga ah ee u aqoonsashada;
• Ref -% Huang by CBR ee waqtiga gabagabada heshiiska.

Sida of 01.04.2015, heerka maalgelinta waa 14%, taas oo macnaheedu yahay in qaybtii recoverable waa 9,33%. Sidaas darteed, haddii aad la xiriirto bangiga oo bixiya amaah baabuur at 20% sannadkii, iyadoo la isticmaalayo barnaamijyada lacagta dawladda, bixin doonto wadarta guud ee 10.67% sanadkiiba. Dabcan, heerka saldhigga bangiyada oo dhan way kala duwan yihiin, si ay dhacdo in kasta natiijada tirinta waxay noqon doontaa kala duwan.

The xaaladaha aasaasiga ah amaah baabuur

Waayo, amaah baabuur at barnaamij hoos, amaahdaana aan la soo rogay shuruudaha gaarka ah. Dabcan, bangi kasta wuxuu leeyahay xeerar u gaar ah, iyo xaaladaha waxaa laga yaabaa in wax yar ka duwan, laakiin sawirka celceliska amaahdaana waa sida soo socota:

• Muwaadin A of Federation Ruush ah da'diisuna aanay ka yarayn 21 oo ma ka weyn yahay 60 sano,
• Waxay leedahay meel joogto ah shaqada ugu yaraan 6-da bilood ee la soo dhaafay,
• diiwaan gashan oo ku nool gobolka adeegga bangi gaar ah;
• awoodin in ay xaqiijiso jiritaanka dakhli joogto ah oo ku filan si ay u daboosho lacagta bil kasta.

From our aragnimo, waxaan dhihi karaa in ay jiraan fursado 2 oo keliya, taas oo laguu diidi karaa avtossud ahaaneed: taariikh xun credit oo ay joogaan carruurta da'doodu ka yar tahay lix bilood (dumarka).

shuruudo dheeraad ah

In kasta oo xaqiiqda ah in barnaamij amaah gaariga ahaaneed u muuqataa ku dhow isla dhammaan hay'adaha bangiyada, qaar ka mid ah qodobada weli waxaa laga yaabaa in wax yar oo kala duwan:

• heerka amaahda ka (mid ka mid ah oo ka kaas oo laga jarayaa kaalmada);
• muddada yar ee kaas oo amaah ah la sameeyo,
• shuruudaha in amaahdaana, marka la eego dhererka adeegga iyo mushaharka;
• baahida loo qabo rahaamad dheeraad ah ama soo jiidashada damiin;
• lacagta ugu yar ee amaahda;
• baahida loo qabo diiwaangelinta (diiwaangelinta) ee caydh ah ee gobolka, halkaas oo amaah ah la soo saaro.

documents

Guud ahaan, barnaamij amaah baabuur ahaaneed oo muujinaysa in wax amaahdaana ka mid ah dokumentiyada soo socda:

• baasaboor rayidka ah ee wax amaahdaana, iyo sidoo kale naagtiisa (ninkeeda), haddii caydh ah waa la guursan;
• oggolaansho qoraal ah xaaska kale si ay u gudbiyaan gaadiidka la rahmad bangiga;
• liisanka darawalnimada (haddii ay jirto);
• Background 2-god (dakhliga);
• soosaaray buugga shaqada, si rasmi ah oo shahaado meel ugu dambeeya ee shaqada,
• heshiiska iibka ama account shahaado of qol ah, isagoo caddaynaya qiimaha gaariga.

Maxaa yeelay, urur kasta sameeyaa ay siyaasad credit, liiska waraaqaha loo baahan yahay duwanaan karaan. Si kastaba ha ahaatee, xeerka aan qornayn waa in gaaban muddo amaah ah oo dheer lacagta bilowga ah, hoose waraaqaha layska rabo by Bankiga.

Xaggee ku dhaansato amaah noocan oo kale ah?

Sidaas daraaddeed, waxa barnaamij amaah baabuur ahaaneed, ka badan ama ka yar si cad, iyo halka ay suurto gal in ay soo saaraan amaah noocan oo kale ah? Si aad u taariikhda, liiska hay'adaha bangiyada ee Russia, bixiya in ay ka faa'iidaystaan adeegyada sida weli ma qeexay, sidaas kiis kasta waa in loo caddeeyo haddii ay macquul tahay in la helo kaalmo dhaqaale ee gobolka. Si kastaba ha ahaatee, waxaan dhihi karaa kalsooni in liiskan waa wax dheer iyo, dhamaadka 2014, waxa ay lacag dhan in ka badan 130 ururo. Ka mid ah iyaga,

• Sberbank.
• "VTB 24".
• "Uralsib".
• "Gazprombank".
• "UniCredit Bank".
• Bank "Saint-Petersburg".
• "Soviet" bangiga.
• "Baararka AK" BANK,
• Bank "BTA-Kazan" iyo kuwo kale oo badan.

Sidaas hesho fursada ku haboon iyo in ay ka faa'idaystaan barnaamijka daynta baabuur ahaaneed ee Russia ee 2015 ma noqon doonto adag.