Zinyengo zomwe zingakudabwitseni musanabwereke galimoto
Zamkatimu
Kwa anthu ambiri, kugula galimoto yobwereketsa kumakhala kosavuta komanso kosavuta kuposa kugula, koma izi zisanachitike, ndikofunikira kudziwa kuti ndizovuta ziti zomwe zimagwirizanitsidwa ndi njirayi.
Kuyendetsa galimoto yatsopano kungakhale chinthu chosangalatsa kwambiri, ndipo chisangalalo chimenechi nthawi zambiri chingatipangitse kuti tisafufuze bwino mgwirizanowu kapena kuti tisapeze phindu lonse lomwe mgwirizano umabweretsa.
Kubwereketsa kuyenera kuwerengedwa mosamala, kulabadira kusindikizidwa bwino, popeza ogulitsa magalimoto ena angazindikire wogula wokwiya kwambiri komanso wosakayikira. Choncho, musanasaine dzina lanu, m’pofunika kudziwa ngati akufuna kukunyengani.
Chifukwa chake, apa tikuwuzani zina mwazachinyengo zomwe mwina mwapeza pakubwereketsa magalimoto.
1.- Malipiro a nthawi imodzi amabwerezedwa
Njira imodzi imene ogulitsa amapezera ndalama zambiri ndi kugawa ndalama zonse pa moyo wa ngongoleyo (izi zimatchedwa amortization). Mwachitsanzo, m'malo molipira kamodzi kokha kwa $ 500, wogulitsa amapereka ndalamazo ndipo amachita izi nthawi yonse ya ngongoleyo. Ikatsika mtengo, imapeza chiwongola dzanja ndipo, ndithudi, mumalipira zambiri.
2.- Chiwongoladzanja ndi chabwino kwambiri kuti chisakhale chowona
Kugwira ntchito ndi mtundu uliwonse wa mgwirizano kungakhale kosokoneza. Musanasaine mgwirizano wa galimoto yatsopano, onetsetsani kuti chiwongoladzanja chomwe munalonjeza chikugwirizana ndi zomwe mumapeza. Ogulitsa angakupangitseni kuganiza kuti mukupeza chiwongola dzanja chabwino, koma mukawerenga zolemba zabwino, amakulipirani ndalama zambiri.
3.- Zilango zothetsa msanga
Mukhozanso kupeza zilango m'mapangano obwereketsa ngati mukufuna kuthetsa mgwirizano mwamsanga ndipo mudzalipira madola masauzande.
Musanasaine mgwirizano wobwereketsa galimoto, onetsetsani kuti mukufunadi kusunga galimotoyo panthawi yomwe yatchulidwa mu mgwirizano wobwereketsa. Kubwereketsa ndikokwera mtengo.
4.- Zaulere
Onetsetsani kuti mwawerenga mosamala mgwirizano wa lease. Nthawi zambiri amatha kusintha kubetcha kumodzi ndi kubetcha kwina ndi dzina losiyana; kwenikweni ndi ofanana.
5.- Nthawi yobwereka
Anthu ambiri amangokhalira kukambilana zolipira pamwezi. Iyi ndi theka chabe la nkhani. Muyeneranso kuganizira nthawi yobwereketsa: chiwerengero cha miyezi. Mtengo wake wonse ndi kuphatikiza ziwirizi.
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