How to use a personal car and not pay the loan, taxes and insurance
A Life / / December 19, 2019
Owning machine - it's great, but expensive and not always convenient. It is necessary to pass MOT, to pay interest on the loan, maintain and repair the machine. According to estimates of experts, the contents of even the most low-priced cars in the first three years after purchase costWe think car maintenance costs. owners of half the cost of the machine itself.
What is included in the cost of car
Depreciation (loss of value)
The most significant item of expenditure - this is the loss of value of the car. For three years a new car depreciatesThe cost of owning a car in Russia, 2017. by an average of 29-35%. Car Class B - is 55,6 thousand rubles a year, class C - 91.3 thousand per year. The moment you leave the showroom, the car becomes cheaper by 10%. Therefore, buying a car is not profitable, especially by paying the entire amount at once.
Credit
In 2017, the monthly payment on the loan wasThe cost of owning a car in Russia, 2017. about 18 thousand rubles for the car class B and 27 thousand rubles for the Class C vehicles The higher the class of the machine, the greater the amount of the payment. For example, for a compact crossover to pay 58 thousand rubles a month, and Class D for the car - 70 thousand per month.
MTPL and CASCO
Insurance - is another significant item of expenditure. For insurance, we pay about 19-26% of the total cost of the machine. In monetary terms, it is at least 45-50 thousand rubles - it all depends on the class and power of the car, accident-free driving, the driver's age and seniority.
More costs are included in the vehicle tax, fee setting cars on account, expenditure for the passage of MOT, tire, rubber and gasoline storage, payment and parking fines.
How to avoid costs, without sacrificing personal car
Abandon cars difficult. It gives comfort and freedom of movement. Even the most convenient public transport is not able to replace the car: it is always at hand, it is possible to go to the country and on a journey no one violates your personal space. In addition, your car will not be shared with other users in karsheringe. So nobody Nakuru in the cabin will not leave litter or slap back.
All advantages of a personal car and karsheringa combines a new way of owning the car - the car on a subscription.
This is a service where, instead of buying the car you subscribe to a certain period. At this time, the machine is completely belongs to you, but the care of the service takes over the company. When the subscription ends, you can extend it to close or take in the use of another car.
As part of a subscription one car you can always change to another that can not be done when buying a car loan or lease. For example, in the summer to ride a coupe with a panoramic roof, and in the winter - in the four-wheel drive SUV. In karsheringe you have to ride not on what is pleasant, and at the car manufacturer which offer more favorable conditions for karsheringa owners. Hence the dominance of the budget "Koreans."
In Russia, the service "car Subscription" provides a service Willz. He gives the machine for a period of three months and takes care of all the hassle of maintenance. For possession of the car you make monthly payment. It included Hull and MTPL insurance, payment of vehicle tax, statement on the account, the purchase of winter tires and replace them twice a year, from an authorized dealer, repair and assistance in insurance cases. You can only refueling, parking and fines.
How to take a car on a subscription
To do this, up on Willz (need passport photos and a driver's license) and choose the car. service officer checks the data for 2-3 days, after which you can subscribe.
It provides a choice of dozens of car models. All new machines - can be picked up straight from the showroom or order delivery. At the time of subscription the car is completely yours - on it is possible to go in Russia and abroad (you will execute free international insurance).
If you have problems, even if the accident happened, Willz help. You can write about your situation or WhatsApp Telegram, and prompt service employees what to do, or cause a tow truck.
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