Mobili juruw tiɲɛniba kɛra sababu ye ka dɔ fara kosɛbɛ mobili juruw kan minnu bɛ feere. "Case" y'a Sɔrɔ yɔrɔ min na ani cogo jumɛn na sisan a bɛ Se ka o mobili suguw san.
Mobili sɔngɔ gɛlɛnw sugu bonya barikama ye jago suguya kura dɔ lawuli - tɔn minnu kɛrɛnkɛrɛnnen don jurudonnaw feereli la. Ni salon laban na, bankiw y’a ɲini ka "garanti" feere juru "juguw" kan u yɛrɛ ma, o tuma na, san in taabolo b’a jira ko a ka ɲi ka o yɔrɔ suguw feere baarada kɛrɛnkɛrɛnnenw sababu fɛ. Baarakɛda belebele duuru bɛ yen kaban minnu sen bɛ garanti feereli la Kiev: First Automobile Auctions, MirFinance, Credit Broker, Xauto, Ukraine Tender System.
Sosiyete minnu tɔgɔ sɛbɛnna, olu kelen-kelen bɛɛ b’a ɲini k’a ka dɔnniya di sugu ma mobili feereli la. Misali la, "MirFinance" bɛ mobili feere ni "jigin" sannifeere ye. O fɛɛrɛ in b’a jira ko mobili feerelenw sɔngɔ bɛna dɔgɔya dɔgɔkun o dɔgɔkun. Hali ni “Ukraine Tender System” bɛ sɔngɔ latigɛlen dɔ sigi mobili kelen-kelen bɛɛ feerelen na, yɔrɔ suganditaw bɛ a jira ko bɛnkan bɛ se ka kɛ feerekɛla ni sannikɛla cɛ. "Mobili sannifeere fɔlɔ" baarakɛcogo sariya ye ka ɛntɛrinɛti sannifeerew kɛ ni sɔngɔ jiginni ye (websayiti in bɛ daminɛ kabini marisikalo tile fɔlɔ).
Sannikɛla ka musaka minnu bɛ kɛ ka jago in kɛ, olu bɛ dɔgɔya ka se jamana ka 5% ma. Cɛmancɛlamɔgɔw tɛ komisiyɔn wɛrɛ ta sannikɛla fɛ. Dɔw bɛ nisɔndiya wɛrɛw kɛ, misali la, Car Auctions b’a fɔ ko u bɛna 5% impositi tila mɔgɔ fila cɛ. O de kosɔn, sannikɛla ka musakaw bɛ dɔgɔya ka se 2,5% ma mobili musakaw la.
Nka, ni kiliyan ye komandi kɛrɛnkɛrɛnnen kɛ sosiyete ye, n’a y’a ka layidu ta ko a bɛna mobili wajibiyalen sɔrɔ, ka fara a kan ka kumaɲɔgɔnya kɛ ni banki ye walasa ka so sɔngɔ dɔgɔya, o tuma na, cɛmancɛlabaga dɔw bɛ se ka wari ɲini brokerage baarakɛlaw fɛ. « Ni komandiba dɔ sera, n’an taara n’a ye, o tuma na, an ka baara musakaw bɛ bɔ 1 na ka se 3% ma, komisiyɔn min bɛ kɛ mobili musaka la. Ni kiliyan yɛrɛ bɛ kumaɲɔgɔnya kɛ ni banki ye, ka mobili sugandi a yɛrɛ ye, o tuma na, an tɛ komisiyɔn si sara,” Denis Drozd, min ye Ukraine Tender System ɲɛmɔgɔ ye, o y’o fɔ.
Bargaining (baarakɛɲɔgɔnya) bɛnnen don
Hali ni mobili garantiw bɛ di kosɛbɛ, hali bi a tɛ se ka kɛ ka mobili san foyi kɛrɛfɛ. Baarakɛda kɛrɛnkɛrɛnnenw bɛ o mobili suguw feere sɔngɔ minnu na, tiɲɛ na, olu ni sugu ta tɛ kelen ye. Denis Drozd ko: “Tiɲɛ na, sisan, i man teli ka sɔrɔ ipoteki mobili minnu bɛ feere sɔngɔ gɛlɛn na ka tɛmɛ u tɔɲɔgɔnw kan sugu la.” — Ko ye ko sɔngɔ bɛ sigi sen kan bankiw fɛ minnu bɛ ɲɛminɛ ni musaka jateminɛlenw ye. Ka fara o kan, wajibi don u ka juru sara juru la. O la, a y’a jira ko mobili minɛlenw sɔngɔ bɛ sugu la.”
Bankiw t’a fɛ ka sɔngɔw dɔgɔya kosɛbɛ walasa ka layidu in feere, o fana sinsinnen don baarakɛda ɲɛmɔgɔ fɛ, n’o ye ka baara kɛ ni VAB Banki ka nafolo gɛlɛnw ye, n’o ye Sergey Revko ye : « Kɔrɔsili min bɛ kɛ sannikɛla ye nin ko in na, o bɛ kɛ ni sarati ye kosɛbɛ, bawo bankiw bɛ feere layidu ta mobili minnu na sugu sɔngɔ la.”
Nka, garanti sugu bɛ ka yiriwa dɔrɔn, wa dɔnnikɛlaw dalen b’a la ko bankiw bɛna wajibiya ka garanti nafa lajɛ ka jigin. « Banki minnu bɛ “sariya labato” kosɛbɛ nin waati in na, olu ye Finance and Credit, UkrSibbank, PrivatBank ani Kontrakt Banki ye. N’i y’a ɲini, i bɛ se ka bankiw lasun u ka “dump” ka bɔ 5 na ka se 15% ma musaka fɔlɔ la,” cɛmancɛlamɔgɔw dɔ b’o hakili sigi.
Cheap dɔrɔn de ye aw ye
A man teli kosɛbɛ, mobili layidu talen feereli sɔngɔ bɛ dɔgɔya 50% walima hali 70% ka tɛmɛ sugu sɔngɔ kan. O bɛ bɔ a la ko banki fɛ, garanti feereli kunba ye jurudonna ka wajibiw hakɛ ye banki la - a kunba ye ko wari hakɛ min bɛ sɔrɔ mobili la, o bɛ se ka juru tɔ sara. “Jiginniba bɛ se ka kɛ ni juru juru ka dɔgɔ ani ni jurudonna sɔnna ka feereli kɛ sɔngɔ dɔgɔman na. Nka nin ka dɔgɔ kosɛbɛ, ”Nafolo ni jurudon banki baarakɛla dɔ y’o ɲɛfɔ.
Fɔlɔ, "confiscation" ka laɲiniw "dumuni duman" minnu ka di kosɛbɛ, olu tɛ se sannikɛla caman ma. U bɛ kunmabɔ ni diyanye ye banki baarakɛlaw fɛ, u somɔgɔw fɛ, u dɔnbagaw fɛ walima sannikɛlaw "baarakɛlaw" fɛ minnu bɛ kunnafoniw sɔrɔ o masin suguw kan banki baarakɛlaw fɛ. “Mobili minnu sɔngɔ tilalen don, olu man ca kosɛbɛ sugu la. Nin sɔngɔ in na, u bɛ san banki kɔnɔ », Denis Drozd y’o sɛmɛntiya.
Layidu bɛ se ka san ni siran tɛ
Hakilina barikama bɛ yen ko jago min kɛra ka ɲɛsin garantiw sɔrɔli ma, o bɛ se ka sɔsɔ kiritigɛso la mobilitigi kɔrɔ fɛ, k’a fɔ ko a tɛ se ka kɛ. Avoka dalen b’a la ko tiɲɛ na, o ko sugu tɛ se ka kɛ, nka hali ni kiritigɛ kɛra, a kɔlɔlɔ tɛ mobili minɛlen kura tigi bila farati la.
Katerina Gutgarts, min ye Gutgarts sariyaso ka baarakɛɲɔgɔn ye, o y’a ɲɛfɔ ko: “Sannikɛla min bɛ nin ko in na, o ye sannikɛla ye tiɲɛ na, wa ka kɛɲɛ ni Ukraine jamana ka sariyasun ye, o yɔrɔ tɛ se ka segin a bolo a tigi kɔrɔ fɛ.” Roman Marchenko, min ye Ilyashev & Partners sariyaso jɛɲɔgɔnba ye, ale sɔnna nin ma: “Ni wari bɔli taabolo kɛra ka ɲɛ, o tuma na, sannikɛla lakika ka jogo bɛ tɛmɛ sannikɛla kan. O kɔrɔ ye ko a tɛ se ka kɛ ka nin mobili in ta mɔgɔ fɛ. Wa, ɲɛmɔgɔyaso ni banki de bɛ sariya tiɲɛni bɛɛ la, o walew de kɛra sababu ye ka nin ko in kɛ.”
Mobili juru sabanan bɛɛ ye gɛlɛya ye
Kolatɛri feerelaw b’u ka san 2009 jigiyaw ye kɛnɛ kan kosɛbɛ. “An ka jateminɛw fɛ, jamanadenw bɛna ban ka mobili juru minnu sɔrɔ san 2008, olu ka ca ni tila sabanan ye. O kɔrɔ ye ko hali n’a y’a sɔrɔ ko juru minnu bɔra san tɛmɛnnenw na, olu ka garanti min minɛna, olu jateminɛna, garanti mobili 100 000 ɲɔgɔn bɛ se ka don sugu la », Oleg Tkachenko, min ye Automobile Auctions ɲɛmɔgɔ ye, o y’a fɔ.
Ipoteki-mobiliw dicogo kuncɛyɔrɔ bɛna kɛ ɲinan mɛkalo-zuwɛnkalo la. Denis Drozd y’a jira ko : “Ni fɛnw donna kosɛbɛ, tiɲɛ na, o bɛna kɛ sababu ye ka mɔgɔ ta mobili sɔngɔw dɔgɔya ni 15-20% ye ka bɔ sisan hakɛ la.”
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April 20, 2026 04:10:28 +0300 GMT
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