Imali mboleko yemoto yimali mboleko yebhanki yokuthenga imoto-entsha okanye ngemayile. Xa usenza imboleko-mali enjalo, imoto ethengiweyo iba sisithembiso, esiya kusebenza njengentlawulo yetyala. Ngenxa yenkonzo yebhanki, ungayithenga imoto xa uswele imali yakho.
Ubungqina bemali mboleko yemoto
I-Auto ngetyala elityala lithetha ukuba umthengi webhanki uya kuhlawula inzala echazwe kwimvumelwano. Ubungakanani babo kunye nexesha lokuhlawulwa kwetyala kumiselwe kuxwebhu. Ukongeza, iindleko zomlomo ezibolekayo zibandakanya iKhomishini yeeNkonzo ezibonelelwa liziko lebhanki. Kwimeko yentlawulo engalindelekanga, umbolekisi uya kusebenzisa isohlwayo.
Emva kokuthenga imoto efunyenwe ngetyala, umnini unokusebenzisa isithuthi ngokukhululekileyo. Ngaphambi kokubuyisa imali mboleko, obolekayo akanalungelo lokuthengisa, anike okanye alungelelanise imoto. Izenzo ezinjalo kufuneka zilungelelaniswe nebhanki.
Rhoqo, enye yeemfuno zemali mboleko yemoto yiyilo eligunyazisiweyo yeMgaqo-nkqubo ye-Inshurensi ye-Castco kwimoto ethengiweyo.
UQHAGAMSHELWANO?
Ngoyilo lwemali mboleko yemoto, umntu unokunxibelelana nebhanki okanye asebenzise iinkonzo zokuba impahla yemoto ibonelela ngeemeko apha. Inketho yokugqibela ilungile kuba awunyanzelekanga ukuba uchithe ixesha ekukhetheni iziko elifanelekileyo lebhanki. Kuyinyani, inani leebhanki ebezisebenza kuzo iimoto, kakhulu, ziya kuba zincinci. Ukongeza, basenokungabinazo iimeko ezifanelekileyo.
Ngubani onokucwangcisa imali mboleko ye-Auto
Ukufumana iMali mboleko, uMbolekisi kufuneka athobele iimfuno ezifanelekileyo. Ubudala bomntu kufuneka bube yiminyaka engama-21 ukuya kwengama-60. Abemi ukusuka kwi-18 ukuya kwengama-20 iminyaka banokusebenzisa inkonzo yemali mboleko yemoto, kodwa kwimeko yabo kusenokwenzeka ukuba kunokubakho ukungeniswa kwamaxwebhu ongezelelweyo. Phakathi kweemeko ezinikezelwe ukugqiba isivumelwano semali mboleko kubalulekile ukuba sibe ngummi waseRussia, ukuba ubhalise kwindawo yokuhlala, kunye nomsebenzi osisigxina, umvuzo onokuthi uvumele ukuhlawula iimbophelelo zamatyala ngexesha.
Ngawaphi amaxwebhu owawufunayo kulowo ubolekayo
Uluhlu lwamaxwebhu ayimfuneko lokufumana imali mboleko yokuthengwa kwemoto kunokwahluka ngokuxhomekeke kwibhanki ethile. Olu luhlu lubandakanya:
Ifom yokwenza isicelo, esibonelela ibhanki;
Incwadana yokundwendwela yommi we-Russian Federation kunye nophawu ngobhaliso;
Nesatifikethi sengeniso nerhafu;
Ukukhuphela okanye ukukhupha ingxelo yengqesho.
Abo babeneminyaka eli-18 ukuya kwele-20, kunokuba yimfuneko ukubonelela ngamaxwebhu aqinisekisa ubukho bobugcisa kunye nabaqinisekisi.
Ifoto: Avtotophe.infoto.