Inkuru zerekana uburyo umuntu yaguze imodoka yakoreshejwe, igihe runaka nagiyemo, hanyuma namenya ko imodoka yasezeranijwe na banki, haracyari gake cyane. Nk'uko itegeko, umuguzi kubyerekeye imodoka ye yamenye mu rukiko. Akenshi izi nkuru zose nimwe: Urukiko rufata icyemezo cyo gushyigikira banki kandi imodoka ihura nubucuruzi. Kandi mubihe byinshi, kugirango usubize amafaranga kumuguzi hamwe namateka arananirwa. Ntabwo ari kera cyane, hari abasomyi benshi auto...Byi icyarimwe. Impamvu ikibazo nkiki kivuka nuburyo gishobora kwirinda.
"Ubwa mbere, banki yashakaga gufata imodoka, ubungubu - isaba amafaranga."
Umwaka ushize, Alexey na Julia kuva Vitebsk baguze ibikoresho byanditseho Volkswagen Polo 2012 kumadorari ibihumbi 5. Imodoka iri ku itangazo ryagurishijwe n'umuturage wa mink, nk'igiciro kandi igiciro nticyabaye, transaction yabayeho vuba. Muri Werurwe 2020, Julia yashyize imodoka yo kubara, kandi muri Kanama, umuryango wize mu rukiko ko Volkswagen yasezeranijwe na banki.
- Byagaragaye ko mu ntangiriro imodoka yacu yari iy'amasosiyete R1-CAR LLC, muri 2014 yasohoye inguzanyo y'amadorari ibihumbi 70 muri banki yo mu biryo. - ED.) , Amasezerano menshi yarangiye asezerana, harimo n'iyi modoka, - abwira Alexey inkuru y'imodoka, bize nyuma yo kugura. Ati: "Kandi nubwo bidashoboka kugurisha imodoka utabanje kubiherwa uruhushya na Banki, yimuriwe muri Belbizosprokt, icyo gihe, icyo gihe. Gukodesha yaguze.
Ariko iyi nkuru yose ntishobora gushimishwa numuntu niba byaragaragaye: Isosiyete "P1-AUTO" yatinze gutinda, maze Banki yibasira urukiko. Urukiko, mubindi bintu, byahisemo gushushanya penariti kumutungo watanzwe. Hano hari hano ko byagaragaye ko imodoka zikoko zitari zikiriho. Muri 2019, Banki yasabye ishami rishinzwe gutegekwa n'amagambo yo gusimbuza ababuranyi mu musaruro nyobozi. Muri make, basabwe kubona umuntu ufite imodoka.
"Imodoka imaze kubona, yataye muri yombi," Alexey arakomeje. - Nibyo, dushobora kuyikoresha, ariko byari bimaze kubigurisha. Byemejwe ko imodoka yashyiraho cyamunara kandi banki izatwara amafaranga yo kwishyura amafaranga yo kwishyura inguzanyo. Turaguma tudafite amafaranga, kandi nta modoka. By the way, hari imodoka nyinshi zinguzanyo kandi zose zaragurishijwe nta cyemewe na banki, ariko ntiwigeze zibabaza umuntu.
Amategeko ashyiraho ko mugihe cyo kwitwara wenyine umutungo watanzwe (...) uburenganzira bwo kubitsa bikomeje imbaraga. Rero, uburenganzira bwo kubitsa bukurikira ikintu na nyir'umutungo mushya utangwa utitaye ku bihe byo kubona ibintu byabonetse (ibinyabiziga) ku myenda ya mbere (igice cya 33 cy'ingingo ya 334 ya Kode y'abaturage).
Nibyo, kandi kuriyi nkuru ntizarangiriye. Ikigaragara ni uko mu mpeshyi Alexei na Yulia bagiye kuri iyi modoka bakoresheje ibintu mu Burusiya. Muri urwo rugendo, imodoka ntiyamenetse ntiyashoboraga gusubira i Belouki muri Biyelorusiya. Muri icyo gihe, umuryango wamenye ibijyanye n'ikigeragezo kiri imbere.
Ati: "Twabonye umwanya wo kuyitangiza, ariko nta gusanwa, niba tuvugishije ukuri, nta cyifuzo cyo gukora." - Imodoka, muri rusange, ntabwo ari iyacu. Ariko dufite umwenda twafashe kugirango tugure.
Kubera iyo mpamvu, Banki yajuririye Urukiko - kugarura amafaranga kubaguzi. Urukiko rwanze urubanza.
Ati: "Noneho imodoka irakwiye, kandi kubera ko izagira umusoro kuri yo," ubwoba bwa Alexey.
Ati: "Ubwa mbere, imodoka yasezeranijwe muri banki imwe, hanyuma mu rundi,
Undi musomyi, Yuri, na we yari ibintu nk'ibyo. Mu mpera za 2019, yabajije inshuti ye yishora mu gutoranya imodoka, akabona imodoka ikwiye. Yahisemo Chevrolet Orlando yo kurekura. Imodoka igura bike bitarenze ibihumbi 10.
Ati: "Imodoka yagurishijwe na minskin Arseniya, ariko ntabwo yari nyirayo, yibuka Yuri. - Yari afite imbaraga z'abavoka zemejwe na noteri. Byongeye kandi, umusore ntiyihishe ko imodoka yangwa na Banki gusa, ahubwo, nk'uko we abiteganya, inguzanyo yari imaze kwishyurwa kera. Inyandiko kuri iyi yatangaga abatora. Byari icyerekezo cya 2015 kuva Belgazpronk muri Polisi Yumuhanda Yerekeranye no guhagarika amateka yingwate. Ibisobanuro byose byahurijwe, kubwibyo ntabwo twabonye amakenga.
Ugushyingo 2019, Yuri yashyize imodoka ku ibaruramari, maze mu Kwakira 2020 yahamagawe mu rukiko nk'uwishingizi ku gitekerezo cya Banki: byaragaragaye ko imodoka iracyafite ishingiro. Byagenze bite?
Nkuko nyuma yagaragaye, muri 2012 Oleg (nyir'imodoka) yaguze iyi modoka ku nguzanyo, hanyuma irayishyura kandi isezera ku modoka. Ni ukuvuga, Arseny wagurishije imodoka na porokisi, yerekanye inyandiko yukuri. Iyo ni mugihe cyo kugurisha imodoka yari isanzwe kumuhigo ku nguzanyo, ariko bimaze kubitekerezo bya banki. Amafaranga y'inguzanyo ni amadorari ibihumbi 100. Kubitsa birimbishijwe muri Nyakanga 2019, ni ukuvuga amezi make mbere yo kugurisha imodoka.
- yatangiye kumenya uko byagenze. Yuri akomeza agira ati: Ntabwo yari azi ingwate nshya, nyir'ubuko bwa Olegi akomeza ko yatangiye kuzana imodoka mbere yo kugurisha akantura. " - Ariko mubyukuri byagaragaye ko Urukiko rwemeje kuvugurura Chevrolet Orlando ku mwanya wo kwishyura imyenda. Byagereranijwe ku madorari 7350.
Nk'uko yuri abivuga, nyirayo asezeranya gukemura ikibazo na banki kugirango akureho imodoka mu mihigo, ariko ntiyabikoze.
Yuri yinubira ati: "Ndi umwarimu, umugore wanjye ni umuganga wo kugura iyi modoka, twafashe inguzanyo y'umuguzi." - Turakomeza kubishyura, nubwo imodoka itari iyacu. Ntabwo ari kera cyane, umukandara wigihe waravunitsemo, ariko simbona, ntabwo rero mfite ubwenge, nuko birakwiye rero iyi modoka ifite imigabane, ntitubikoresha.
Yuri yavuze ko ibikoresho byari bimaze kwitegura gutangazwa, bahisemo gucumbika imodoka muri banki doremo, bakora agaciro k'umutungo.
Umushoferi agira ati: "Muri rusange, twaguze imodoka imwe kunshuro ya kabiri." - Hamwe na nyirubwite, Oleg, twarangije kugeza ku ya 31 Gicurasi, byasubiza aya mafaranga, yanditse umugore wanjye inyemezabwishyu, yiyemeje kwishyura aya mafaranga.
Biragaragara, urashobora kugurisha ingwate kandi ntakintu kizaba gikwiye?
Nkuko mubibona, guhangayikishwara n'umutimanama uhura nacyo muri ibyo nkuru, ariko ntabwo ari abaguzi bitonze. Kurindaga amabanki, nubwo bafite ibibazo bimaze gushyira mu bikorwa umutungo w'inguzanyo, biracyarinzwe n'amategeko. Muri icyo gihe, abagurisha, nubwo barenga amasezerano (bahora banditse ko umutungo w'inguzanyo udashobora guhuzwa na banki), ntabwo ari we nyirabayazana w'ibi.
Na Alexey, na Yuri amagambo yafashwe mu bigo bishinzwe kubahiriza amategeko, ariko nta bisubizo byabikoze.
Icyuho kimwe cyamategeko kiganisha kubibazo nkibi. Kugeza mu 2013, imodoka zisezeranye zanditswe muri Polisi mu muhanda kandi ntibashobora gukurwa mu ibaruramari batabaye impamyabumenyi ya Banki. Ni ukuvuga, kugurisha imodoka nk'iyi kugeza igihe inguzanyo yishyuwe, ntibyashoboka. Hanyuma iki gipimo cyahagaritswe.
Ariko urashobora kugenzura imodoka yakoreshejwe: Kuva 2016, igitabo cyumutungo wimukanwa ukorera muri Biyelorusiya. Muri yo, kuri Vin-code yimodoka, urashobora kubona amakuru yerekeye niba imodoka iremerewe nurufunguzo yigihe nigihe amasezerano ya ingwate yarangiye kandi iyo irangiye. Igiciro cyikibazo kugirango ubone ukuremo nimodoka imwe iri munsi ya 20. Menya ko nta ntwari ziyi ngingo mbere yo kugura Gerefiye ntabwo yarebye: Bavuga ko batazi kubaho kwayo.
Byongeye kandi, ubu ikora kumushingamategeko, ireba kugura no kugurisha ibinyabiziga. Mubindi bintu, byatekerezwaga ko mumasezerano yo kugurisha no kugurisha bizakenerwa kugirango ashyikirize aho uhari hagaragaye ibirego by'undi muntu, amakuru yerekeye ifatwa ry'imodoka n'ibindi, kimwe n'inshingano zo kwerekana amakuru atariyo ko transaction ifite ibibujijwe. Iyo inyandiko yinjije, abaguzi b'amakamyo yajugunywe bazarindwa.
Umwunganizi: "Menya ko amasezerano yatewe n'uburiganya, bigoye kuruta kugenzura imodoka mbere yo kugura."
Nigute ushobora kuba wirinda ibihe nkibi, kandi icyo gukora niba umaze kugura imodoka ninkuru mbi?
Mugihe umunyamategeko Pavel LaatyShev avuga, birashoboka kwandikisha ingingo zimwe zingenzi mumasezerano yo kugurisha none - amategeko yemerera. By'umwihariko, mu buryo bw'icyitegererezo cy'amasezerano ahari, "Umugurisha yemeza ko mbere yo gusinya aya masezerano, ikinyabiziga ntigihabwa umuntu uwo ari we wese, kudashyirwaho, mu ifatwa ntirifatwa Gira amakimbirane y'ubucamanza, nta burenganzira afite n'ibisabwa n'abandi bantu "(gukemura Minisiteri y'imbere mu gihugu, Minisiteri y'Ubutabera ya 01.11.2007 n 284/74 nkuko byavuguruwe na 07/07/2008).
- Kubwibyo, niba ayo masezerano yashyizweho umukono nugurisha, yandikwa mu buryo bwateganijwe muri Polisi mu muhanda, maze amaze kwimura igika cya traffic, maze bugaragaza ko igika nk'icyo cyashyizwe mu masezerano, umugurisha yari afite intego Umunyamategeko avuga ati: "Ese dushobora kuvuga ko imodoka yarasezeranye, dushobora kuvuga ku bikorwa biri mu ngaruka z'uburiganya, -. - Urukiko rushobora kumenya ibikorwa nkibi (ubuhanzi. 180 ya kodegisi).
Niba transaction itemewe, undi muburanyi agomba gusubira ku wahohotewe ibintu byose byakiriwe kuri iki gikorwa, ni ukuvuga amafaranga imodoka yagurishijwe.
- Niba, mu masezerano yo kugurisha, ikintu nk'iki nticyanditswe cyangwa imodoka yagurishijwe mu cyemezo, hanyuma igaragaza ko isezeranijwe na banki, - iri muburyo asezeranwa na banki, - iri muburyo asezeranwa na banki, - muburyo bwo gukora ku bucuruzi yo kubeshya, ariko hano, hashingiwe ku mutwaro w'ibimenyetso, biragoye kwerekana uku kuri, "guhita birangira.
Kubwibyo, ukurikije umunyamategeko, ubudahemuka cyane buzaba imbere yubuguzi bugura kugirango buguze ibikorwa bibiri byoroshye:
- Reba mu gitabo cy'umutungo wabitswe;
- Iyandikishe mu masezerano yo kugurisha ko umugurisha yemeza ko ikinyabiziga kidaremerewe kandi kitangwa n'uburenganzira ubwo aribwo bwose n'uburenganzira bwa muntu, ndetse no kwandikisha inshingano z'abaguzi niba bitabaye ukundi. Tut.by.