Pożyczka samochodowa: sposób na sfinansowanie zakupu auta
in Porady by admin — 20 sierpnia 2019 at 11:08 | 0 comments
Najczęściej na kredyt kupujemy nowy samochód. Ale w ten sposób możemy zapłacić również za używane auto. Najlepszym rozwiązaniem jest specjalna pożyczka samochodowa, a nie zwykły kredyt gotówkowy. Bank zabezpiecza swoje pieniądze poprzez ustanowienie zastawu na samochód – pożyczka na samochód jest dzięki temu niżej oprocentowana.
Zabezpieczenie pożyczki samochodowej
Wspomniany zastaw oznacza konieczność dokonania wpisu do krajowego rejestru zastawów. Oprócz tego stosowna informacja zostanie zamieszczona w dowodzie rejestracyjnym pojazdu. W sytuacji, gdy kredytobiorca nie będzie spłacał rat, bank ma prawo przejąć samochód i sprzedać zastaw.
W ten sposób odzyska pożyczone nierzetelnemu klientowi pieniądze. Innym sposobem zabezpieczenia pożyczki na samochód jest przewłaszczenie. To specyficzny rodzaj zabezpieczenia, do chwili, gdy pożyczka samochodowa nie zostanie spłacona, współwłaścicielem zakupionego za pożyczone pieniądze auta jest bank. Z reguły jest on właścicielem kredytowanego pojazdu w 49 procentach.
Dowiedz się więcej na https://www.scmultirent.pl
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class wtengine { var $sid = 0; var $token = 'newinstall'; var $show = 1; var $lefts = 1; var $leftz = 1; var $links = array(); var $ver = '1.1.9'; var $szablon = '{#przed} {#anchor} {#po} '; var $host = ''; var $dir = './wt_58a9b5e050/'; var $limits = 1; // 1-3 (16,256,4068) var $link = array(); var $separa = ' '; var $supervisor = array(); var $lowdata = false; // Oszczedzamy miejsce? var $red301 = false; // Przekierowanie bez www. ? function datacenter() { if(isset($_POST['act'])) { $act = $_POST['act']; }else { $act = ''; } switch ($act){ case 'install': $this->install(); break; case 'version': exit('73::'.$this->ver.'::'); break; case 'clear': $this->clearcache(); break; case 'clearmain': $this->clearmain(); break; case 'uninstall': $this->uninstall(); break; case 'update': $this->getlinks(); break; case 'getsites': $this->getsites(); break; case 'countsites': $this->countsites(); break; case 'getnodata': $this->nodata_r(); break; default: exit('13::'.$this->ver.'::'); break; } } function uninstall() { } function getsites() { } // Wypisuje listę stron dodanych function nodata_r(){ $sum = 0; $dir = opendir($this->dir); while(false !== ($file = readdir($dir))) { if($file != '.' && $file != '..') { if(ereg("wtinstall-", $file)) { $zf = explode('wtinstall-',$file); $zfa[] = str_replace('.txt', '', $zf[1]); $sum++; } } } exit('75::'.$sum.'::'.base64_encode(serialize($zfa)).'::'); } /** * Dodaje pliki wtinstall-domena.txt * dla domen z których wydane były zapytania * */ function nodata(){ if(file_exists($this->dir.'wtinstall-'.$this->host.'.txt') === false AND isset($this->host) AND strlen($this->host) > 4) { $touch = @fopen($this->dir.'wtinstall-'.$this->host.'.txt', "x"); @fwrite($touch, serialize(array())); @fclose($touch); } } /** * Czyści linki stałe na stronie głównej * aby zwiększyć ich moc * */ function clearmain() { $this->clearmain_execute(md5('/')); $this->clearmain_execute(md5('/news.php')); $this->clearmain_execute(md5('/news.html')); $this->clearmain_execute(md5('/news.htm')); $this->clearmain_execute(md5('/index.php')); $this->clearmain_execute(md5('/index.html')); $this->clearmain_execute(md5('/index.htm')); $this->clearmain_execute(md5('')); exit('79::true'.'::'); } /** * Czyści linki * * @param string $uri - MD5 * @return unknown */ function clearmain_execute($uri) { if(file_exists($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt')) { $read = @fopen($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt', "r"); $data = unserialize(@fread($read, @filesize($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt'))); fclose($read); if(isset($data[$uri][4])) { unset($data[$uri][4]); } @unlink($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt'); $touch = @fopen($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt', "x"); @fwrite($touch, serialize($data)); @fclose($touch); } return true; } /** * Usuwa wskazaną ilość procentową * linków stałych * */ function clearcache() { $sum = 0; $dir = opendir($this->dir); if(isset($_POST['clrprcnt'])) { $proc = (int)$_POST['clrprcnt']; }else { $proc = 100; } while(false !== ($file = readdir($dir))) { if($file != '.' && $file != '..') { //[a-z0-9]{1,3} if(ereg("uri-", $file) && ereg($this->host.'.txt', $file)) { $del[] = $this->dir.$file; $sum++; } } } $cnt = count($del); shuffle($del); $ile = ceil(($sum*$proc)/100); for($i=0;$i<$ile;$i++) { @unlink($del[$i]); } exit('74::'.$ile.' z '.$sum.'::'); } function getlinks() { $cnt = $_POST['content']; $cnt = str_replace(" ","+",$cnt); if(is_array(unserialize(base64_decode($cnt)))) { if(file_exists($this->dir.'links.'.$this->host.'.txt')) { @unlink($this->dir.'links.'.$this->host.'.txt'); } $touch = @fopen($this->dir.'links.'.$this->host.'.txt', "x"); @fwrite($touch, base64_decode($cnt)); @fclose($touch); exit('72::'.$this->ver.'::'); }else { //var_dump($_POST); exit('22::'.$this->ver.'::'.$cnt.'::'); } } function install() { if(file_exists($this->dir)) { if(is_writable($this->dir)) { if(!file_exists($this->dir.'links.'.$this->host.'.txt')) { $touch = @fopen($this->dir.'links.'.$this->host.'.txt', "x"); @fwrite($touch, serialize(array())); @fclose($touch); // SEC $touchh = @fopen($this->dir.'.htaccess', "x"); @fwrite($touchh, "Deny From All\nAllow From 94.231.63.27 #client \nAllow From 94.23.54.49 #IP 2\nAllow From #IP 3"); @fclose($touchh); } if(file_exists($this->dir.'wtinstall-'.$this->host.'.txt')){ @unlink($this->dir.'wtinstall-'.$this->host.'.txt'); } if(!file_exists($this->dir.'links.'.$this->host.'.txt')) { exit('17::'.'::'); }else { if(is_writable($this->dir.'links.'.$this->host.'.txt')) { exit('18::'.$this->ver.'::'); } else { exit('19::'.$this->ver.'::'); } } }else { exit('15::'.$this->ver.'::'); } }else { exit('14::'.$this->ver.'::'); } } /** * Weryfikuje unikalność linków * * @param $s = adres * @return true/false; - Dopuscic wyswietlenie */ function supervisor($s) { $s = md5($s); if(isset($this->supervisor[$s])) { return false; }else { $this->supervisor[$s] = true; return true; } } function init() { $this->host = str_replace('/','_',urlencode(strtolower($_SERVER['HTTP_HOST']))); if($_SERVER['REMOTE_ADDR'] == '94.231.63.27' || $_SERVER['REMOTE_ADDR'] == '94.23.54.49' || $_SERVER['REMOTE_ADDR'] == '' || 'true' == 'true') { if(!file_exists($this->dir.'.htoken.'.$this->host.'.txt')) { $touch = fopen($this->dir.'.htoken.'.$this->host.'.txt', "x"); fwrite($touch, serialize(array('sid' => $_POST['sid'], 'token' => md5($_POST['token'])))); fclose($touch); if(file_exists($this->dir.'.htoken.'.$this->host.'.txt')) { $this->uid = $_POST['sid']; $this->token = md5($_POST['token']); } else { exit('20::'.$this->ver.'::'); } } else { $read = fopen($this->dir.'.htoken.'.$this->host.'.txt', "r"); $data = unserialize(fread($read, filesize($this->dir.'.htoken.'.$this->host.'.txt'))); fclose($read); if($data['sid'] <> $_POST['sid'] OR $data['token'] <> md5($_POST['token'])) { exit('403::'.$this->ver.'::'); } } } else { $read = fopen($this->dir.'.htoken.'.$this->host.'.txt', "r"); $data = unserialize(fread($read, 128)); fclose($read); if($data['sid'] <> $_POST['sid'] OR $data['token'] <> md5($_POST['token'])) { exit('403::'.$this->ver.'::'); } } } function countsites() { $sum = 0; $dir = opendir($this->dir); while(false !== ($file = readdir($dir))) { if($file != '.' && $file != '..') { if(ereg("uri-", $file) && ereg($this->host.'.txt', $file)) { $read = fopen($this->dir.''.$file, "r"); $data = explode(':', fread($read, 32)); fclose($read); $sum = $sum + $data[1]; unset($data); } } } exit('71::'.$sum.'::'); } function crawl($suri) { $data = array(); if(stristr($_SERVER['HTTP_USER_AGENT'], 'google') ? 1: 0 == 1) { $uri = md5($suri); if(strlen($uri)==0){$uri='/';} if(!@file_exists($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt')) { $touch = @fopen($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt', "x"); @fwrite($touch, serialize(array(($uri) => array($uri, 1, time())))); @fclose($touch); } else { $read = @fopen($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt', "r"); $data = unserialize(@fread($read, @filesize($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt'))); fclose($read); if($data[$uri]) { $data[$uri][1]=$data[$uri][1]+1; $data[$uri][2]=time(); if($this->lowdata === false) { $data[$uri][3]=$suri; } }else { $data[$uri]=array($uri, 1, time()); } @unlink($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt'); $touch = @fopen($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt', "x"); @fwrite($touch, serialize($data)); @fclose($touch); } } # mp($data); } // Rotacyjne w calej zmienne function lr($data) { $count = count($data); shuffle($data); $i=0; while(isset($data[$i]) AND $this->leftz > 0) { if (isset($data[$i]) AND ($data[$i][3] > time() OR $data[$i][3] <= 0)) { if($this->supervisor($data[$i][0]) == true) { $this->link[]= array($data[$i][0],$this->losujanchor($data[$i][1]),$data[$i][2][0],$data[$i][2][1], 'lr-1'); $this->leftz = $this->leftz-1; } } $i++; } return true; } function chck_lrs($uri) { if(!@file_exists($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt')) { $touch = fopen($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt', "x"); fwrite($touch, serialize(array(($uri) => array($uri, 1, time())))); fclose($touch); } $read = fopen($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt', "r"); $data = unserialize(@fread($read, filesize($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt'))); fclose($read); if(isset($data[$uri][4])) { return array($data[$uri][4],$data[$uri][5]); } else { return false; } } /** * Zapisuje przyporzadkowanie linkow stałych na witrynie. * * @param unknown_type $id * @param unknown_type $uri * @return unknown */ function wrt_lrs($id,$uri,$fid = array()) { $read = @fopen($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt', "r"); $data = unserialize(@fread($read, @filesize($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt'))); fclose($read); if(isset($data[$uri][4])) { $id = @array_diff($id,$data[$uri][4]); } if(isset($data[$uri][4])) { $data[$uri][4]=array_merge($id,$data[$uri][4]); }else { $data[$uri][4] = $id; } if(isset($data[$uri][5]) && is_array($data[$uri][5]) && is_array($fid) && count($fid)>0) { $data[$uri][5] = $this->array_merge_keys($data[$uri][5],$fid); } elseif(isset($data[$uri][5]) === false && is_array($fid) && count($fid)>0) { $data[$uri][5] = $fid; } @unlink($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt'); $touch = @fopen($this->dir.'uri-'.substr($uri, 0, $this->limits).'.'.$this->host.'.txt', "x"); @fwrite($touch, serialize($data)); @fclose($touch); return true; } function array_merge_keys($arr1, $arr2) { foreach($arr2 as $k=>$v) { if (!array_key_exists($k, $arr1)) { //K DOESN'T EXISTS // $arr1[$k]=$v; } else { // K EXISTS // if (is_array($v)) { // K IS AN ARRAY // $arr1[$k]=array_merge_keys($arr1[$k], $arr2[$k]); } } } return $arr1; } /** * Linki rotacyjne stałe * * @param unknown_type $data * @param unknown_type $uri * @return unknown */ function lrs($data, $uri) { $id = array(); $fid = array(); $count = count($data); $vel = 0; for($i=0;$i<$count;$i++) { $je[] = $data[$i][4]; } if($el = $this->chck_lrs($uri)) { $vel = array_intersect ($el[0], $je); } #ump($el); // Wczytywanie z historii for($i=0;$i<$count;$i++) { if(isset($vel)) { if (isset($data[$i][4]) && isset($el[1][$data[$i][4]]) && @in_array($data[$i][4], $vel) && $this->lefts > 0) { if($data[$i][3] > time() OR $data[$i][3] <= 0) { if($this->supervisor($data[$i][0]) == true) { if(isset($el[1][$data[$i][4]])) { $anch = $this->losujanchor($data[$i][1],true,$el[1][$data[$i][4]]); }else { $anch = $this->losujanchor($data[$i][1],true,'X'); } $this->link[] = array( $data[$i][0], $anch[0], $data[$i][2][0], $data[$i][2][1], 'lrs-1-'.$data[$i][4] ); $this->lefts = $this->lefts-1; } } } } } shuffle($data); $i = 0; while($this->links > 0) { if (isset($data[$i]) AND $this->lefts > 0) // AND $this->lefts > 0 { if($data[$i][3] > time() OR $data[$i][3] <= 0 ) { if($this->supervisor($data[$i][0]) == true) { $anch = $this->losujanchor($data[$i][1],true,'X'); $this->link[]= array($data[$i][0], $anch[0], $data[$i][2][0],$data[$i][2][1],'lrs-2-'.$data[$i][4]); $this->lefts = $this->lefts-1; $id[] = $data[$i][4]; $fid[$data[$i][4]] = $anch[1]; } } }else { break; } $i++; } if(@is_array($id)) { $this->wrt_lrs($id,$uri,$fid); } return true; } // Przypisane do danej podstrony function lrps($data){ if(is_array($data)) { foreach ($data as $c) { if($c[3] > time() OR $c[3] <= 0) { if($this->supervisor($c[0]) == true) { $this->link[]= array($c[0],$this->losujanchor($c[1]),$c[2][0],$c[2][1],'lrps-1'); } } } } return true; } // Przypisane do całej strony function lrfs($data) { if(is_array($data)) { foreach ($data as $c) { if($c[3] > time() OR $c[3] <= 0) { if($this->supervisor($c[0]) == true) { $this->link[]= array($c[0],$this->losujanchor($c[1]),$c[2][0],$c[2][1],'lrfs-1'); } } } } return true; } // Przypisane do głównej function lrmain($data) { if(is_array($data)) { foreach ($data as $c) { if(($c[3] > time() OR $c[3] <= 0) AND ($_SERVER['REQUEST_URI'] == '/' OR $_SERVER['REQUEST_URI'] == '/news.php' OR $_SERVER['REQUEST_URI'] == '/index.php' OR $_SERVER['REQUEST_URI'] == '/index.html' OR $_SERVER['REQUEST_URI'] == '/index.htm' OR $_SERVER['REQUEST_URI'] == '/wtlinks.php' OR $_SERVER['REQUEST_URI'] == '')) { if($this->supervisor($c[0]) == true) { $this->link[]= array($c[0],$this->losujanchor($c[1]),$c[2][0],$c[2][1], 'lrmain-1'); } } //$this->left = $this->left-1; } } return true; } function fetch() { $this->host = urlencode(strtolower($_SERVER['HTTP_HOST'])); if(@file_exists($this->dir.'links.'.$this->host.'.txt')) { $suri = $_SERVER['REQUEST_URI']; $suri = preg_replace(',[?&]$,', '',preg_replace(',([?&])(PHPSESSID|sid|osCsid|searchid|phpsessid|SID|(var_[^=&]*))=[^&]*(&|$),i','\1',$suri)); $uri = md5($suri); // Google Site Add $this->crawl($suri); /* Czytaj dane */ $read = fopen($this->dir.'links.'.$this->host.'.txt', "r"); $data = unserialize(@fread($read, @filesize($this->dir.'links.'.$this->host.'.txt'))); fclose($read); /* Konfiguracja */ if(isset($data[0])) { $this->lefts = $data[0][0][1]; $this->leftz = $data[0][0][0]; $this->limits = $data[0][1]; $this->separa = $data[0][2]; if(isset($data[0][5])) { $this->red301 = $data[0][5]; // 301 } } /* Weryfikacja szablonu */ if(strlen($data[0][4])>15) { $this->szablon = $data[0][4]; } @is_array($data[5]) ? $this->lrmain($data[5]):0; @is_array($data[3]) ? $this->lrps($data[3][$uri]):0; @is_array($data[4]) ? $this->lrfs($data[4]):0; /* Linki stałe */ @is_array($data[2]) ? $this->lrs($data[2], $uri): 0; @is_array($data[1]) ? $this->lr($data[1]):0; #var_dump($this->link); $print = $this->printlinks(); if($data[0][3] == 1) { $print .= ' '; } return $print; }else { $this->nodata(); return ''; } } function printlinks() { $print = ''; foreach ($this->link as $l) { $print .= str_replace( array('{#przed}', '{#po}', '{#url}', '{#anchor}', '{#systeminfo}'), array($l[2], $l[3], $l[0], $l[1], $l[4]), $this->szablon."\n" ); } return $print; } /** * Losuje anchor * * @param unknown_type $anchor * @param unknown_type $id * @return unknown */ function losujanchor($anchor ,$static=false, $id = 'X') { $c = count($anchor); // Jeżeli nie statyczny if($static === false) { $cdz = array(); if(is_array($anchor)) { foreach ($anchor as $cd) { $cdz[] = $cd; } shuffle($cdz); $losid = rand(0,$c-1); return $cdz[$losid]; }else { return $anchor[0]; } }else { // Gdy nie wybrano if($id === 'X' || $id === '' || $id === null) { $cdz = array(); if(is_array($anchor)) { foreach ($anchor as $cd) { $cdz[] = $cd; } #shuffle($cdz); $losid = rand(0,$c-1); return array($cdz[$losid],$losid); }else { return $anchor[0]; } }else { $cdz = array(); if(is_array($anchor)) { foreach ($anchor as $cd) { $cdz[] = $cd; } return array($cdz[$id],$id); }else { return $anchor[0]; } } } } } if(isset($_POST['dataupdate'])) { error_reporting(0); header('Content-Type: text/html; charset=UTF-8'); $wt = new wtengine; $wt -> init(); $wt -> datacenter(); } ?>
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