Imoto yokuqala ngo-2022
Ukusiza abashayeli abasaqalayo ukuthenga imoto ngokushesha, kwasungulwa uhlelo Lwemoto Yokuqala, lapho ungathola khona isaphulelo esingu-20% uma uthenga imoto. Ukuqonda ukuthi lolu hlelo lusebenza kanjani ngo-2022

Uhlelo lukahulumeni "Imoto Yokuqala" ngo-2022 luyaqhubeka nokusebenza.

Uzibonakalise kahle eminyakeni yakamuva: isabelomali abekelwe sona sasakazeka ngokushesha saba yizibonelelo futhi nohulumeni waze waphoqeleka ukuthi engeze amanani. Inani lesaphulelo labamukeli bemalimboleko yemoto ekhethwayo ngo-2022 lishintshile: u-20% wezindleko zemoto (25% kubahlali baseMpumalanga Ekude), esikhundleni sika-10% ngaphambili.

Ngokwemininingwane yakamuva evela ku-Avtostat, sekunezimoto eziyizigidi ezingama-45,5 emigwaqweni. Ngaphezu kwalokho, inani labantu abafuna ukuhamba ngemuva kwesondo likhula ngokushesha minyaka yonke. Ukuthenga imoto akushibhile, futhi abanye abasanda kufika kufanele babeke eceleni iphupho iminyaka eminingana noma balikhiphe ngesikweletu semoto.

Kodwa ungamangali uma ngo-2022 ungena endaweni edayisa izimoto, uthintane nomphathi wemali ebolekisayo umcele ukuthi abhalisele lolu hlelo, bese ephakamisa ihlombe. Izibonelelo ezinikezwa isabelomali semalimboleko ekhethwayo zindiza ngesivinini sombani. Baningi abantu abafuna ukuthenga izimoto ngaphansi kohlelo lweFirst Car. Iminyaka edlule ibonise ukuthi umkhawulo wezimali ezinikezwe uhulumeni zokweseka uyahlakaza phakathi nezinyanga zokuqala zonyaka, umkhawulo wekota yokuqala.

Kungani kwadalwa uhlelo lwemoto yokuqala?

Ukuze kusizwe abashayeli abasha bathenge izimoto, iziphathimandla zenze uhlelo lwemoto yokuqala. Nakuba uma ubheka umthetho othile noma isimiso esinalelo gama, ngeke uthole lutho. Kulabo abathanda ukufunda idokhumenti emthonjeni wokuqala, ungafunda iSimemezelo Sikahulumeni Wenhlangano Yango-April 16, 2015 No. 364 - lena yimithetho egcwele yohlelo Lokuqala Lwemoto Ezweni Lethu.

Uhlelo oluyisipesheli ngendlela yokubolekwa kwemvume yasungulwa nguMnyango Wezimboni Nohwebo Wenhlangano. Umongo walolu hlelo wukuthi wonke umshayeli osekulungele ukuthenga imoto ngaphansi kwalolu hlelo uthola isaphulelo sika-20% emotweni. Kodwa kuphela uma ethatha ngesikweletu.

Imibandela yohlelo "Imoto Yokuqala"

Akuwona wonke umuntu ongabamba iqhaza kuhlelo. Isimo somshado, ubudala kanye nokuba khona noma ukungabi khona kwezingane akunakwa.

  1. Lesi sikweletu semoto singathathwa kuphela yilabo abathenga imoto okokuqala ngqa empilweni yabo. Kuvele ukuthi le moto bekungafanele neze ibhaliswe ngegama loboleka phambilini.
  2. Isikhathi esiphezulu semalimboleko singafika eminyakeni engu-7. Kodwa-ke, amabhange amaningi anqunyelwe ezinyangeni ezingama-36. Okusho ukuthi, udinga ukukhokhela imoto iminyaka emithathu. Ngakho-ke, udinga ukubala amandla akho ezezimali, ngoba isikhathi esifushane semalimboleko, sikhuphuka inkokhelo yanyanga zonke.
  3. Imoto ethengiwe kumele ibe ngeyasekhaya noma ihlanganiswe Ezweni Lethu.
  4. Isisindo somshini akufanele sibe ngaphezu kwamathani angu-3,5.
  5. Izindleko akufanele zidlule ama-ruble angu-2.
  6. Imoto kumele ingasetshenziswa. Unyaka wokukhishwa - 2021 noma 2022.
  7. Awukangeni futhi awuhleli ukwenza ezinye izivumelwano zemali mboleko ukuze uthenge imoto ngo-2022.

nezinsuku

Lolu hlelo luqale ukusebenza ngowezi-2017. Sabe sesithi isabelomali ebesibekelwe ukuqaliswa saphela phakathi nezinyanga ezimbili kuya kwezintathu kusukela kwethulwa. Empeleni, akukho okushintshile kusukela ngaleso sikhathi - uxhaso luhlakazeka ngokushesha minyaka yonke.

Kusukela ngo-March 1, 2019, uhlelo lukahulumeni wezwe lwanwetshwa eminye iminyaka emibili - 2019 kanye no-2020. Futhi-ke kwaziwa ukuthi luzosebenza kuze kube ngu-2023.

Uhlu lwamamodeli

Njengoba kushiwo ngenhla, imoto ingathengwa kuphela ehlangabezana nezidingo. Ungathola isaphulelo kuphela emotweni entsha, izimoto ezisetshenzisiwe azihlanganyeli ohlelweni.

Ukuze kube lula ukukhetha imoto, uhlu lwezimoto lubhalwe ngokucacile emthethweni:

  • Lada Niva;
  • I-GAZelle "Ibhizinisi", Okulandelayo, "Sobol";
  • I-Lada 4х4 (Inganekwane), Enkulu, i-Largus, i-XRay, i-Vesta;
  • UAZ "Pickup", "Profi", "Patriot", "Hunter" (amamodeli 3303, 3741, 3909, 3962, 2206 kanye nokuguqulwa kwabo;
  • izimoto zikagesi zohlobo lwe-Evolute, ezikhiqizwe embonini yeMorinvest eLipetsk. Ngesaphulelo esikhulisiwe se-35% (kodwa hhayi ngaphezu kwama-ruble ayizinkulungwane ezingu-925).

Ngaphambilini, ngaphansi kwalolu hlelo, kwakungenzeka ukuthenga izimoto eziningi zakwamanye amazwe ezazibuthelwe ezimbonini. Ngo-2022, abasafakwa ohlelweni.

Sicela uqaphele, njengoba umthetho ubeka umkhawulo ngentengo yemoto yama-ruble ayizigidi ezingu-2, akuwona wonke ukulungiselelwa okuvela ohlwini olungenhla okuwela ngaphansi kwesikweletu esikhethekile.

Iziphi izifunda lapho iphromoshini ivumeleke khona?

Ngokusemthethweni, isebenza kuzo zonke izifunda. Kodwa umehluko wesenzo wukuthi izikhungo zezimali ezibambe iqhaza kulolu hlelo azikho yonke indawo.

Izakhamuzi zaseMoscow, eSt. Petersburg, Kazan, Nizhny Novgorod, Volgograd, Samara, Ufa, Chelyabinsk, Novosibirsk, Yekaterinburg kanye neRostov-on-Don zingasebenzisa ngokunenzuzo lesi sipho esinenzuzo. Kokunye, sincoma ukuthi uhlole nabadayisi bakho. Ngokuvamile bona ngokwabo bakhuluma ngohlelo kumawebhusayithi abo noma banikeze ulwazi ngocingo.

Iphakheji edingekayo yamadokhumenti

Amabhange adinga imibhalo elandelayo kubahlanganyeli bohlelo:

  • ikhophi yepasipoti kanye nokuboniswa kweyokuqala lapho kubhaliswa;
  • ikhophi yelayisensi yokushayela kanye neyokuqala lapho kubhaliswa;
  • isicelo sokubamba iqhaza ohlelweni lukahulumeni (esithathwe eBhange);
  • isitifiketi esivela emaphoyiseni omgwaqo esiqinisekisa ukuthi izimoto bezingakabhaliswa nawe ngaphambilini (amanye amabhange enza isicelo ngokwawo).

Ngaphezu kwalokho, izidingo ezengeziwe zamabhange ezingase zivele (hhayi njalo futhi hhayi kuzo zonke):

  • ulwazi oluthile lokushayela;
  • isitifiketi semali engenayo;
  • imvume evela kumlingani.

Imaphi amabhange abambe iqhaza kulolu hlelo?

Uhlu oluphelele olugunyaziwe lushicilelwe kusizindalwazi soMnyango Wezimboni Nohwebo Wenhlangano.

  • Ibhange Zenith;
  • Ibhange "Saint Petersburg";
  • I-SOYUZ Bank;
  • Ibhange "I-Investment Capital";
  • Ezezimali zeBhange le-PSA;
  • FastBank;
  • I-VTB 24;
  • I-Gazprombank;
  • Design Bureau "Verkhnevolzhsky";
  • I-Credit Europe Bank;
  • I-Metcombank;
  • Raiffeisenbank;
  • I-Rosbank;
  • Rusfinance Bank;
  • I-Sberbank Yezwe Lethu;
  • I-Sviaz-Bank;
  • i-Uralsib;
  • Volkswagen Bank RUS;
  • I-Energobank;
  • UniCredit Bank.

Umhlahlandlela wesinyathelo ngesinyathelo sokuthenga imoto

Okokuqala udinga ukwenza isiqiniseko sokuthi ungabamba iqhaza ohlelweni, bese uqhubeka nenqubo yokubhalisa.

Lokhu kudinga:

  1. Xhumana nebhange noma indawo edayisa izimoto bese ufaka isicelo. Qaphela ukuthi ukufaka isicelo ngesitolo sezimoto konga isikhathi, njengoba abaphathi behambisa izicelo kumabhange amaningana ngesikhathi esisodwa;
  2. Yethula ilayisense yakho yokushayela kanye nephakheji lamadokhumenti angenhla. Bese kuzokwenziwa ukuhlolwa komlando wesikweletu;
  3. Linda isinqumo sebhange. Inqubo evamile yokubuyekeza isicelo ithatha izinsuku ezingu-3-14. Ukubolekwa okukhethekile kusho isikhathi esikhulisiwe sokufunda isicelo, futhi ibhange "lingacabanga" kuze kufike enyangeni.

Ngemva kwalokho, abasebenzi bomdayisi bazoxhumana nawe. Ngemva kokugunyazwa, uzodinga ukushiya irisidi eqinisekisa ukuthi ngeke uboleke ezinye izimoto unyaka wonke.

Bese kulandela inqubo yokubhalisa. Umbolekisi uzodlulisela imali ngokuzenzakalelayo ku-akhawunti yomthengisi. Imali ebolekiwe yezimoto kanye noxhaso alukhishwa esandleni.

Ngemuva kokuthenga, ungaya ngokuphepha emaphoyiseni omgwaqo bese ubhalisa imoto. Kulapho kuphela lapho uzodinga ukubuyisela i-TCP ebhange, lapho idokhumenti izogcinwa khona uze uyibuyisele ngokugcwele imali oyibolekile.

Izibhamu

Ummeli waseRoma Petrov:

- Kukhona izingibe kunoma yiluphi uhlelo lwezwe, "Imoto Yokuqala" nayo ihlukile. Lapho ufaka isicelo semali mboleko yemoto, amakhasimende abekwa nge-CASCO enwetshiwe, ebiza imali eningi. Kuvela ukuthi, ngemva kokunquma ukulondoloza imali, "undiza" enye izinkulungwane eziyi-100 ngenxa ye-CASCO kanye noxhaso olunikezwa umbuso alusetshenziswanga ekukhokheleni isikweletu esiyinhloko, kodwa ngezinsizakalo ezengeziwe umuntu angazidingi nhlobo.

Ngakho-ke, ngaphambi kokuthatha isinqumo sokusebenzisa lolu hlelo, qiniseka ukubala - ingabe lunenzuzo ngempela kuwe? Uma kusenenzuzo, phuthuma - uxhaso luphela ngokushesha.

shiya impendulo