Ngongole yamagalimoto kuchokera kwa ogulitsa magalimoto: zabwino ndi zoyipa mu 2021

Kodi mukuzengereza kulumikizana ndi ogulitsa kuti akubwereke ngongole yamagalimoto? Nkhaniyi ikufuna kuyankha mafunso anu onse okhudza ngongole zamagalimoto pamalo ogulitsa magalimoto: zabwino ndi zoyipa, njira zomwe mungatsatire ...

🚗 Kodi mungapeze bwanji ngongole yamagalimoto ku malo ogulitsa magalimoto?

Ogulitsa amapereka ngongole zamagalimoto kuti awonjezere kukhulupirika kwa makasitomala ndikuwongolera malonda. Zowonadi, ndi malo ogulitsa kuti mupeze ndalama zogulira galimoto yanu popanda kudutsa banki yanu. Nthawi zambiri, mitundu iwiri ya zotsatsa zimaperekedwa pakubweza:

- Ngongole yamagalimoto idaperekedwa ndi kampani yazachuma ya wopanga. Chifukwa chake, mtundu uliwonse umapereka ngongole yake yagalimoto.

- Ngongole yopezedwa kuchokera ku bungwe lothandizira ndalama zapakati. Zochita zotere zimaperekedwa ndi mabungwe angapo okhazikika pa ngongole za ogula.

Ma concessionaires ndiye amapereka mitundu iwiri yandalama:

- Classic galimoto ngongole. Iyi ndi ngongole ya ogula ndalama zochulukirapo za EUR 75.

- Kubwereketsa. Iyi ndi ngongole yokhudzana ndi lease. Kenako timakamba za kubwereketsa, komwe kumakhala kubwereka ndi mwayi wogula galimoto.

Wogulitsayo amayang'ana mwachangu ngati muli ndi ngongole ndipo adzakufunsani zolemba zina kuti mudzaze fayilo yanu ndikuitumiza kwa bwenzi lanu lazachuma.

🗓️ Ndi zolemba ziti zomwe ndikufunika kuti ndilembetse ngongole yagalimoto pamalo ogulitsa magalimoto?

Pogulitsa magalimoto, muyenera kupereka zikalata zopezera ngongole yamagalimoto, monga momwe zilili kukampani yangongole, yomwe ndi:

- chikalata cha ID

- kutsimikizira adilesi

- Malipiro anu awiri omaliza

- fomu yoyitanitsa yoperekedwa ndi wogulitsa

- Chidziwitso cha msonkho (nthawi zina 2 yomaliza)

Zolemba zina zitha kufunsidwa kuchokera kwa inu kutengera mbiri yanu komanso momwe wopanga amafotokozera.

Malangizo othandiza: Posaina pangano la ngongole ya galimoto, onetsetsani kuti peresenti ya pachaka yosonyezedwa ndi wogulitsa ikufanana ndi yomwe yasonyezedwa mu mgwirizano.

💶 Kodi wogulitsa magalimoto angakanidwe ngongole yagalimoto?

Zifukwa zokanira kukupatsani ngongole yagalimoto m'malo ogulitsa magalimoto nthawi zambiri zimakhala zofanana ndi za banki yanu. Zowonadi, chifukwa chofala kwambiri ndi ngongole zanu. Potero, Ngongole yopitilira 33% imatha kukakamiza wogulitsa kukana ngongole yagalimoto yanu... Momwemonso, ntchito yowopsa, ndalama zochepa, kapena zovuta zobweza m'mbuyomu zomwe zidalembedwa mufayilo yobwereketsa ngongole zapadziko lonse ndi zifukwa zokanira wogulitsayo kukana kupereka ngongole zagalimoto ndichifukwa chake kugulitsa galimotoyo.

???? Ndi njira ziti zachuma zomwe wogulitsa angakupatseni?

Phukusi lagalimoto

Phukusi lagalimoto ndi yankho lazachuma lomwe nthawi zambiri limaperekedwa ndi ogulitsa anu. Izi zikugwiranso ntchito pogula galimoto yogwiritsidwa ntchito. Phukusi lagalimoto limalola phatikizani njira zonse kukhala bungwe limodzi potengera kugula... Zoonadi, paketi yamoto imaphatikizapo:

- ngongole yagalimoto, nthawi zambiri yokhala ndi chitsimikizo cha wopanga

- chithandizo ndi chithandizo pa nthawi yonse ya ngongole

- inshuwaransi yamagalimoto

Ngongole ya baluni

Ngongole ya baluni ikufanana ndi kubwereketsa komwe kuli ndi mwayi wogula. Sikuti akupangitseni kukhala mwini galimoto kwa nthawi yayitali. Iyi ndi ngongole ya miyezi 12 mpaka 48. Mukhoza kugula izo mwachindunji kwa wogulitsa wanu. Imatengera dzina lake chopereka chofunikira kwambiri: kuchokera ku 5 mpaka 20% yamtengo wogulitsa wagalimoto adalipira atasaina contract. Chigawochi sichibwezedwa kumapeto kwa ngongole. Komabe, muyenera kusaina pangano logulitsira lomwe limalongosola tsiku ndi mtengo wagalimoto yomwe idzabwezedwe ndi wogulitsa.

🔎 Kodi pali kusiyana kotani pakati pa ngongole ya balance sheet ndi LOA?

Ngongole ya ndege ndi kubwereketsa-kugula ndi mitundu iwiri yandalama yotengera mfundo yobwereketsa. Koma mosiyana ndi LOA, ngongole ya baluni sikuti imakupatsani mwayi wokhala eni nyumba. Muyenera kulipira chiwongola dzanja chachikulu ngati gawo la ngongole ya baluni ndikulipira chiwongola dzanja panthawi yonse ya ngongoleyo. Chifukwa chake ndalama zomwe mumalipira pamwezi ndizotsika kuposa LOA, koma ndi chindapusa chosabweza. Kusiyana kwina pakati pa mitundu iwiriyi yandalama, kukonza galimoto yanu ndi udindo wanu ngati gawo la ngongole ya ndege, mosiyana ndi LOA komwe angaphatikizidwe.

Kodi ndi liti pamene muyenera kuyika patsogolo ngongole ya baluni?

Kuti mudziwe ngati mungakonde, mwachitsanzo, ngongole ya baluni kapena LOA, muyenera kuwunika mayendedwe... Ngongole ya baluni ndi yoyenera kwa inu ngati mumayendetsa kwambiri ndipo mukufuna kuti mutha kusintha galimoto yanu mosavuta kumapeto kwa mgwirizano. Komabe, ngongole ya baluni siyoyenera kwa inu ngati simulandira ndalama zokwanira.

???? Ubwino wopeza ngongole yagalimoto pamalo ogulitsa magalimoto ndi chiyani?

Mukamagula galimoto, mutha kutenga ngongole mwachindunji kumalo ogulitsa magalimoto. Yankho lomwe lili ndi zabwino zina:

- kukhazikitsa kosavuta... Zowonadi, mukamafunsira ngongole yamagalimoto m'malo ogulitsira magalimoto, mumapewa kuchita zinthu ndi banki. Ndiye zonse zimachitika pomwepo, ndiye kugula galimoto ndi ngongole. Wogulitsa wophunzitsidwa m'njira imeneyi adzatha kukuthandizani kuti mugwiritse ntchito mosavuta.

- Chiwonetsero chamalonda chokhudza mtengo wagalimoto. Potenga ngongole yagalimoto kwa wogulitsa, womalizayo akhoza kuchotsera malonda pamtengo wagalimoto kapena kukupatsirani zotsatsa. Chinthu chofunika kwambiri chomwe chingakulimbikitseni, mwachitsanzo, pankhani ya galimoto yatsopano.

⚠️ Ndizovuta zotani zomwe zingatheke?

Ngongole yamagalimoto pamagalimoto ogulitsa magalimoto ndi chinthu chamtengo wapatali pamtengo wogula, koma koposa zonse imayimira kupulumutsa nthawi pomaliza njira zanu. Komabe, chida ichi chikhoza kubweretsa malire:

● Zopatsa zochepa zabwino. Ngati ngongole yagalimoto pamalo ogulitsa magalimoto ikupereka mwayi wina, ndi ntchito yomwe imakulepheretsani kufananiza zotsatsa kapena kusanthula mwatsatanetsatane mawu obweza ngongole. Kuyerekeza zotsatsa kumakupatsani mwayi wopeza mulingo wabwino kwambiri malinga ndi mbiri yanu ndi polojekiti yanu.

● Malangizo otsika. Ngakhale ogulitsa amaphunzitsidwa kuchita izi, si akatswiri akubanki kapena akatswiri angongole. Chifukwa chake, sizingakupatseni zambiri kapena kupanga zolakwika zina, makamaka, polemba fayilo yanu.