خبير : كلما زاد مقدم السيارة كلما انخفضت الفوائد والمعاناة

التقسيط المنشط الرئيسي لمبيعات السيارات في مصر

قال خبير في مجال السيارات في مصر أن التقسيط يعتبر العامل الرئيسي في شراء السيارات في مصر بسبب محدودية الدخول وارتفاع أسعار السيارات مما جعل التقسيط هو الطريق الوحيد لشراء سيارة بشكل أسهل محلياً ، ولكن نظم التقسيط تختلف من شركة لأخرى ومن بنك لآخر والبعض يلعب على فكرة أقل قسط أو أقل مقدم أو حتى تسهيل الاجراءات. 

 

دفع مقدم كبير تسهل عملية دفع الاقساط وتقلل الفوائد

وشدد الخبير على أن فكرة دفع مقدم كبير جيدة للغاية لأنها تسهل على المشتري بعد ذلك دفع باقي الاقساط لأن قيمتها تكون محدودة على عكس دفع مقدم صغير وتقسيط المبلغ المتبقي في صورة أقساط شهرية كبيرة. كما أن دفع قيمة مقدم كبيرة لها دور مهم في تقليل نسب الفائدة التي يتم دفعها على السيارات 

 

انخفاض متوقع في فائدة قروض السيارات 

وكانت توقعات قد ظهرت في الفترة الأخيرة تشير الي احتمال تخفيض أسعار الفائدة من قبل البنك المركزي من جديد بنسبة بين 1.5% و2% وهو ما يعني تخفيض مرتقب في فوائد قروض السيارات وبالتالي تقليل مشكلاتها. 

 

8.3.0PHP Version419msRequest Duration3MBMemory UsageGET news/{news}Route
    • Booting (11.13ms)
    • Application (408ms)
    • 1 x Application (97.33%)
      407.51ms
      1 x Booting (2.66%)
      11.13ms
      5 templates were rendered
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        news
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      web
      controller
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      namespace
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      where
      as
      news.show
      file
      app/Http/Controllers/NewsController.php:37-58
      5 statements were executed390ms
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        68.43ms/vendor/laravel/framework/src/Illuminate/Routing/ImplicitRouteBinding.php:61shkman
        Metadata
        Bindings
        • 0. خبير-كلما-زاد-مقدم-السيارة-كلما-انخفضت-الفوائد-والمعاناة
        Backtrace
        • 16. /vendor/laravel/framework/src/Illuminate/Routing/ImplicitRouteBinding.php:61
        • 17. /vendor/laravel/framework/src/Illuminate/Routing/Router.php:947
        • 18. /vendor/laravel/framework/src/Illuminate/Routing/Middleware/SubstituteBindings.php:41
        • 19. /vendor/laravel/framework/src/Illuminate/Pipeline/Pipeline.php:180
        • 20. /vendor/laravel/framework/src/Illuminate/Foundation/Http/Middleware/VerifyCsrfToken.php:78
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        1.71ms/vendor/spatie/laravel-medialibrary/src/InteractsWithMedia.php:545shkman
        Metadata
        Bindings
        • 0. App\Models\News
        Backtrace
        • 22. /vendor/spatie/laravel-medialibrary/src/InteractsWithMedia.php:545
        • 23. /vendor/spatie/laravel-medialibrary/src/MediaCollections/MediaRepository.php:31
        • 24. /vendor/spatie/laravel-medialibrary/src/InteractsWithMedia.php:271
        • 25. /vendor/spatie/laravel-medialibrary/src/InteractsWithMedia.php:282
        • 26. /vendor/spatie/laravel-medialibrary/src/InteractsWithMedia.php:294
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        247ms/app/Http/Controllers/NewsController.php:55shkman
        Metadata
        Backtrace
        • 14. /app/Http/Controllers/NewsController.php:55
        • 15. /vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • 16. /vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:43
        • 17. /vendor/laravel/framework/src/Illuminate/Routing/Route.php:259
        • 18. /vendor/laravel/framework/src/Illuminate/Routing/Route.php:205
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        Metadata
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        Backtrace
        • 19. /app/Http/Controllers/NewsController.php:55
        • 20. /vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • 21. /vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:43
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        • 15. /vendor/laravel/framework/src/Illuminate/View/Component.php:135
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        • 18. /vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:110
        • 19. /vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
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