“Ne ye tile tan ni duuru dɔrɔn de bila kɔfɛ n ka juru la tuma min na banki lakanani sera. N ye juru ta san saba kɔnɔ, a ka ca ni san kelen ye n tun bɛ to ka kalo o kalo wari sara. Banki baarakɛla y’a ɲini n fɛ n ka mobili ka pasipɔri tekniki jira a la walasa k’a lajɛ ni a farikolo nimɔrɔ ye, ani ka mobili ja ta walasa ka kunnafoni di. O kɔfɛ, a ye mobili sɛbɛnw don a ka bɔrɛ kɔnɔ, k’a fɔ ko a bɛna u segin juru saralen kɔfɛ dɔrɔn.
O kɔfɛ, a ye mobili papiyew bɔ, ”Toyota mobili min sanna juru la, o tigi ko ten. O maana sugu kɛra Ukraine banki dɔ ka kiliyan dɔ la, o min ye banki belebelebaw dɔ ye. Bankiw bɛ ka taa sariya tiɲɛni jɛlen dɔ la ka taa a fɛ (u b’a wele ko hakili ta fan fɛ baara ni jurutigi ye), k’a ɲini ka juruba tiɲɛniw bila kɔfɛ. Wa u bɛ na dɔrɔn : u dancɛba, dɔnnikɛlaw ka fɔ la, o bɛna bin marisikalo-awirilikalo la. Mobiliw ye fɛnw suguya ye min ka gɛlɛn kosɛbɛ juruko la. Mobili kura minnu sanna san fila tɛmɛnenw kɔnɔ, olu ka ca ni 70% ye, olu sanna juru la, jurudonna tilancɛ ye juru ta dɔrɔmɛ la. Nafolo jurulenw sɔrɔli kɔrɔ tun ye ko ɲɛmɔgɔ bɛɛ min ka sara ye dɔrɔmɛ ba kelen ye, o tun bɛ se ka mobili san.
Kɛlɛ ni scrap ye
Sosiyete fɔlɔ minnu bɛ warijɛbɔ kɛlɛ, olu bɔli kɛnɛ kan, o bɛ seereya kɛ ko jurudonbaliya bɛna kɛ kosɛbɛ, wa bankiw ka walew bɛna gɛlɛya. Fɔlɔ minnu Dònna sugu la olu dɔ ye Best Credit AntiCollection ye. Ka bɔ jurudonna na, sosiyete in jiginna ka kɛ dɛmɛbaga ye gɛlɛyaw ɲɛnabɔli la ni bankiw ye, ka warijɛbɔlaw kunbɛn. Igor Lizogub, min ye jurudonna ye Best Credit AntiCollection la, o ko: “An ye ko dɔ sɔrɔ tuma min na banki baarakɛla dɔ ye mobili konnɛgɛw ni a tɔgɔsɛbɛnni sɛbɛn bɔsi a ka kiliyan dɔ bolo, juru t’a la.” Jamana ka banki belebele dɔ y’a fɔ a ka jurudonna ye ko a ka mobili juru tɔ sara ka kɔn a waati ɲɛ. Client min siranna a ka lakana baarakɛlaw ɲɛ, o ye dɔrɔmɛ ba duuru sara wariko tɔnba la siɲɛ kelen. Wa a y’a sɔrɔ o cogo la a y’a ka wariko kɔrɔta.” O ko suguw man ca hali bi. Bankiw tɛ kunnafoni di jurutigiw hakɛ kan ani jurudonna minnu bɛ se ka kɛ jurudonnaw ye, walasa u kana ko juguya. A jirala ko ipoteki mobili ba 120-150 bɛna bila feereli la ɲinan. Jɔrɔnanko mɔbiliw bɛɛ lajɛlen bɛ Taa 700.000 ɲɔgɔn na.
Bankiw bɛ taabolo daminɛ ka ɲɛsin fɛnw minɛni ma minnu bɛ garanti la, tile 90 tɛmɛnen kɔfɛ, wari sarali wajibiyalenw na - waati caman tɛmɛna kabini dɔrɔmɛ wuli kosɛbɛ san 2008 nowanburukalo la. Kalo fila wɛrɛ, kiliyanw bɛna se ka juru sara ka bɔ u yɛrɛ ka nafolo maralenw na. Nka sara wɛrɛw bɛ kɛ fɛn ye min tɛ se ka fɔ ka ɲɛ: jurutigiw bɛ bɔnɛ u ka baara la, baarakɛlaw bɛ sara tigɛ. Fɛn minnu bɛ se ka kɛ kiliyan tila sabanan ye, olu bɛ se ka gɛlɛyaw sɔrɔ juruw sarali la banki la.
U caman sɔnna u ka wariko gɛlɛya ma, wa u bɛ jurudon bɛnkansɛbɛn bancogo daminɛ. Client bɛ se ka ipoteki mobili feere a yɛrɛ ma ka juru sara walima ka o baara bila banki la. Ni jurudonna ni banki bɛ baara kɛ ɲɔgɔn fɛ, o kɛcogo ka nɔgɔn kosɛbɛ. Mobili bɛ bila feereli la proxy fɛ, a nafa bɛ latigɛ jatebɔla yɛrɛmahɔrɔn dɔ fɛ, a sɔngɔ bɛ bɛn a tigi ma. “An ka banki bɛ ka mobili feereyɔrɔ dɔ baara ɛntɛrinɛti kan kabini san fila ɲɔgɔn, o b’a to i bɛ se ka mobili bila feereli la ɛntɛrinɛti kan, k’a bila sannikɛlaw ka ɲinini fɛ, k’a bɔ feereli la wari saralen kɔfɛ. Tɔnbolofara kelen-kelen bɛɛ kɔnɔ, an bɛ mobili marayɔrɔw ni u feereyɔrɔw sɔrɔ, mɔgɔ kɛrɛnkɛrɛnnenw ka baarakɛlaw ani mobili feerelaw. Mobili minnu minɛna, olu sɔngɔ tɛ fɛn nɔgɔlenw ye, i n’a fɔ mɔgɔ caman b’a miiri cogo min na, nka u ye fɛn tiɲɛnenw ye. U bɛ sigi ka kɛɲɛ ni mobili cogoya ye. Banki ka baara ye ka juru nafolo segin ani ka jɛɲɔgɔnya normal mara ni kiliyan ye ko gɛlɛn dɔ la. A jɔnjɔn ye ko mobili, n’u ma tiɲɛ, u bɛ feere kalo kelen kɔnɔ », PrivatBank ka kumalasela Oleg Serga y’o ɲɛfɔ.
Bankibaw, k’a sababu kɛ fɛnw feereli sira sigilen ye koɲuman, u y’a ɲini k’u yɛrɛ tanga bɔnɛw ma minnu bɛ se ka kɛ. A kɛra cogo o cogo, fo ka na se bi ma. Tiɲɛ don, ni ipoteki mobili kulu cayara, ani jamanadenw ka wariko dɔgɔyara, o tuma na, a bɛna gɛlɛya ka taa a fɛ k’u feere. Sisan, PrivatBank ye mobili minnu bila feereli la, olu hakɛ ye 1300 ye, salon, u ma tɛmɛ 800 kan, u ma tɛmɛ 800 kan, minnu tun bɛ feere waati kelen na.A jɔnjɔn na, budget modɛliw bɛ bin feereli la: VAZ, Daewoo, Sinuwa dilanbagaw ka mobili.
N’o tɛ, kow bɛ kɛ ni jurutigi ma jɛɲɔgɔnya kɛ ni banki ye. O kɔfɛ, o ko bɛ ɲɛnabɔ kiritigɛso la walima ɲɛmɔgɔyaso fɛ. Mobili minɛni taabolo ka kan ka kɛ banki baarakɛla dɔ ni ɲɛmɔgɔso ka lasigiden ɲɛkɔrɔ walima yamaruya dɔ fɛ min dira notari fɛ (ka kɛɲɛ ni jurudon bɛnkansɛbɛn kɔnɔkow ye). Lakɔlikaramɔgɔw ka taamasiyɛnw bɛ bɔ dɔrɔn ni jamana sirako sɛgɛsɛgɛlikɛla dɔ bɛ yen. Ni kiliyan y’a dogo ni layidu ta mobili ye, o tuma na, a bɛ bila ɲininikɛlaw ka lisi kan - mobili bɛna kɛ banki bolo ka tɛmɛn sirako polisiw ka jalaki yɔrɔ fɛ. “Sariya in b’a jira ko a ka kan ka kiliyan ladɔnniya kiritigɛwale in na walasa ka mobili layidu talen minɛ. Nka ni jurutigi ma kɛ o ko in jateminɛni na, o tɛna kɛ bali ye ka desizɔn ta, ”Roman Marchenko, min ye baarakɛɲɔgɔn kɔrɔ ye Ilyashev & Partners sariyaso la, o ko ten.
bounty sannifeere
Oleg Nazarenko, min ye Ukrayina jamana bɛɛ ka mobili donbagaw ni feerekɛlaw ka tɔnba (VAAID) ɲɛmɔgɔba ye, o ko: “Bi, a ka gɛlɛn kosɛbɛ ka mobili feere min bɛ kɛ ni so ye.” - Ni tigi ma sɔn, a tɛ se ka kɛ ka mobili bɔ sɛbɛnfura kɔnɔ ni sirako polisiw ye, i mago bɛ a ka kɛ farikolo la baarakɛyɔrɔ la. Banki bɛ se ka mobili bɔsi mɔgɔ la tiɲɛ na min tɛ wari sara, k’a bila jalaki yɔrɔ la, nka a tɛna se k’a feere ni a tigi ma sɔn. Client bɛ se ka a janto weleli la, ka appelé (ɲɛfɔli) kɛ, daɲɛ kelen na, o baara bɛ taa ɲɛ ka tɛmɛ kalo wɔɔrɔ kan. Ka fara o kan, Ukraine jamana sariyaw b’a to o kɛcogo in sɔngɔ ka gɛlɛn kojugu. Walasa ka mobili layidu talen feere, banki ka kan ka PIB kɛmɛsarada la mugan sara feereli senfɛ. Layidu ta mobili bɛ se ka feere kiritigɛlaw ka minisiriso dɔrɔn de fɛ, izini minnu yamaruyara, olu bɛna mobili musaka kɛmɛsarada la bisaba wɛrɛ ta walasa ka sannifeere labɛn.”
Nka, hali ni faratiw ni sɛbɛn bilenmanw bɛ yen, bankiw bɛɛ ma labɛn ka nisɔndiya di kiliyan ma, min bɔnɛna a ka sɔrɔ sɔrɔyɔrɔ la, wa a tɛ se k’a ka juru sara o hakɛ kelen na. Mobili juru labɛncogo kura ye ko ye min man teli ka kɛ. Don o don mobili sɔngɔ bɛ dɔgɔya, a bɔlen kɔ salon na a bɛ dɔgɔya a yɛrɛma ni kɛmɛsarada la tan ye. Bankiw, i n’a fɔ sariya, u yɛrɛ tɛ sɔn ka wari sarali bila kɔfɛ, ka tɔnɔ dɔgɔyali fɔ.
O cogoya suguw kɛra mobili juru sugu la, o kɛra sababu ye ka jago suguya kura dɔ da wuli - mobili ka fɛnw feereyɔrɔw ni sannifeerew. O la, feburuyekalo laban na, mobili sannifeere fɔlɔ bɛna kɛ Kiev. A bɛ Car Auctions sosiyete bolo, min sigira senkan san 2008. Sannifeere fɔlɔ la, a sera ka garanti hakɛ kabakoma dɔ lajɛ - mobili ba 12 ka bɔ jamana mara bɛɛ la, minnu sɔngɔ, kilomɛtɛrɛ hakɛ ani u si tɛ kelen ye. Mobili minnu bɛ feere, olu jɔcogo la, 80% ye mobili ye minnu bɛ segin bankiw ma u yɛrɛ sago la. O cogo la, mobili kɔrɔ feereli sugu kura bɛ ka bɔ kɛnɛ kan - mobili jurudon sugu nataw misali dɔ.
« An bɛna baara kɛrɛnkɛrɛnnen dɔ di feerekɛla ma, min bɛ nafa lase suguba kɔnɔmɔgɔw bɛɛ ma. Bankiw bɛna se ka layidu talen feere joona, k’a sɔrɔ gɛlɛya kunntan tɛ. U ka kiliyanw bɛna se ka mobili feere sɔngɔba la sugu la, k’a sɔrɔ u ma mɛn, ka juru sara. Ani tigi kuraw - ka mobili san cogoya ɲumanw na ani bolo dannamɔgɔw fɛ, "Sergey Sereda, min ye feereli ɲɛmɔgɔ ye Automobile Auctions la, o y'o fɔ."
Sosiyete in b’a fɛ ka mobili ba 30 ɲɔgɔn feere san 2009. O ye 20-25% ye mobili hakɛ la, bankiw, ka kɛɲɛ ni jateminɛw ye, ye minnu bila feereli la. Fɛnw sɔngɔ daminɛ bɛna dilan dɔnnikɛla yɛrɛmahɔrɔnw fɛ mobili sɛgɛsɛgɛli kɔfɛ ani ka bɛnkan sɔrɔ banki fɛ. O porozɛ suguw bɛ ka baara kɛ ka ɲɛ Ameriki ani Erɔpu cɛmancɛ la kabini waati jan, wa nin ye wale kura ye CIS jamanaw ka sugu la.
Kura vs a bɛ ɲini ka kɛ kura ye
“Mobiliw ka mobili kulu dɔ yecogo bɛna nɔ bila mobili kuraw feereli la, bawo a ka c’a la, mobili kura caman bɛna bɔ sugu la, minnu si bɛ kalo saba la, san tilancɛ, san kɔnɔ,” Igor Sokolov, y’a fɔ, Nissan Motor Ukraine ka kumalasela. O waati kelen na, ko min bɛ mobili kura sugu la, o gɛlɛyara kaban. AUTO-Consulting ka fɔ la, mobili kura 623.000 feerela Ukraine san 2008, o kɛra jatebɔ wɛrɛ ye an ka sugu la. Ni an y’a suma ni san 2007 ta ye, sugu bonyalen don ni 15% ɲɔgɔn ye, k’a sɔrɔ salon kalo fɔlɔ kɔnɔ, a cayara ni 90% ye kalo o kalo. An ka jamana ka kurunba kura donna kosɛbɛ san tan tɛmɛnenw kɔnɔ. Nka sisan, sugu yiriwali teliya bɛna jɔ. Erɔpu jamanaw na, san tɛmɛnnen in nana ni mobili feereli dɔgɔyali ye kaban (-3,9%). Wa san 2009 zanwuyekalo la, feereli jigira ni 27% ye, o kɛra hakɛ juguba ye san mugan tɛmɛnenw kɔnɔ. Ukraine jamana na, feereli jigira ni 60-70% ye, o min ye jamana kɔnɔ sugu bila kɔfɛ san duuru kɔnɔ. « Baara kelen de b’an bolo - ka kisi. Mɔgɔ damadɔ, hali tulonkɛlabaw, sugu tɛna se ka to sen na fo san laban. Mɔgɔ o mɔgɔ bɛ cakɛda dɔ jɔ min bɛ baara kɛ ka ɲɛ, ka ɲɛsin sɛnɛko, feereli, baarakɛcogo ma, o bɛna to yɔrɔ jan, ”Oleg Boyarin, min ye Atoll Holding ka tɔn ɲɛmɔgɔ ye, o ko ten.
Jamana tɛ se ka dɛmɛba di mobili sugu ma, i n’a fɔ a bɛ kɛ cogo min na Erɔpu ni Ameriki. O cogo la, fɛnw donbagaw ni feerekɛlaw bɛ baarakɛminɛn kura ɲini walasa ka fɛnw yiriwa, k’u ka nafa mara. Kɔnpɔsi caman bɛ ka jagokɛyɔrɔw baara baara daminɛ walima k’a daminɛ. « Kabini san 2008, an ye an jigi da bankiw kan dabila, bawo an b’an ka cikɛlaw musaka kɛ n’an yɛrɛ ka nafolo ye. Ɲinan, an ka tɔn tɛna jago dɔrɔn di, nka a bɛna juru fana di », Alexander Ryabukhin, Porsche Ukraine (Audi ni VW taamasiyɛnw) ɲɛmɔgɔba y’o fɔ. Renault ni Nissan bɛ ka u yɛrɛ ka juruko porogaramuw waleya kabini san kelen ni kɔ. O tɔnw fɛ, baarakɛminɛn minnu bɛ se ka kɛ walasa ka feereli sabati, ka fara wariko dɛmɛ kan, olu dɔ bɛna kɛ baarakɛminɛnw labɛnni ye (sɔngɔ kɛrɛnkɛrɛnnenw ni jigitigɛw, baara kɛcogo ɲuman, sirabakan dɛmɛni porogaramu kɛrɛnkɛrɛnnenw mobilitigiw ye, a ɲɔgɔnnaw).
Waati nataw la, dɔnnikɛlaw b’a jira ko dɔ bɛna fara jagokɛcogo in diyabɔli kan (ka mobili kɔrɔ dɔ falen ni kura ye ni wari dɔ farala a kan). “Bi, mobili kura feereli hakɛ min bɛ jagokɛcogo la an ka tɔn ka feerekɛlaw ka rezo ofisiyali kɔnɔ, o bɛ se kɛmɛsarada la tan ma,” Yaroslav Vovk, min ye NIKO Trading House ka jago ni piblisite ɲɛmɔgɔ ye, n’o ye Mitsubishi feerela ofisiyali ye, o y’a fɔ Motɛriw bɛ Ukraine jamana na. “Kiliyanw fɛ, nin fɛɛrɛ in nafa ka bon kosɛbɛ: dɔw bɛ se ka mobili kura san, u tɛ miiri u bɛna mobili kɔrɔ feere yɔrɔ min na. Ani dɔw fana bɛ mobili kɔrɔ dɔ sɔrɔ min labɛnna ka ɲɛ sani a ka feere ani min ka baara tariku bɛ se ka da a kan,” Oleg Davydenko, min ye Subaru Ukraine jatebɔ baarakɛyɔrɔ ka jago ɲɛmɔgɔ ye, o y’o fɔ.
Jagokɛlaw ni feerekɛlaw b’a fɛ ka sariyaw nɔgɔya walasa ka nin baara in yiriwa. Sisan, kiliyan dɔ, n’a b’a ka mobili feere mobili feerela dɔ ma, a wajibiyalen don ka 15% sara a yɛrɛ ka sɔrɔta impositi la, hali n’a y’a sɔrɔ a bɛ mobili kura san o yɔrɔnin bɛɛ o kɔfɛ, ka impositi bɛɛ sara tugun n’a y’a tɔgɔ sɛbɛn. Ni mobili feerela sugu filanan na, o doni wɛrɛ tɛ yen. O kɔrɔ ye ko dɔɔnin dɔɔnin mobili feereli bɛna bɔ mobili feereyɔrɔw la ka taa mobili feereyɔrɔw ni sannifeerew la, walima hali ka taa mobili minɛyɔrɔw la.
Home | Articles
April 20, 2026 04:11:25 +0300 GMT
0.001 sec.
