Kodi kutsika kwamitengo yamagalimoto ndi chiyani?

Kutsika ndi mawu omwe mwina mwawamvapo okhudzana ndi magalimoto atsopano ndi ogwiritsidwa ntchito, koma ndi kofunika bwanji? Mwachidule, kutsika kwamtengo wapatali ndiko kutayika kwa mtengo wa galimoto pakapita nthawi, ndipo zingakhudze kwambiri chuma chanu kaya mukugula, kugulitsa, kapena kubwereka galimoto yatsopano kapena yogwiritsidwa ntchito. Nawa kalozera wathu wakutsika kwamitengo yamagalimoto.

Kodi kutsika kumatanthauza chiyani?

Kutsika ndi kutayika kwa mtengo pakapita nthawi. Izi zimachitika ndi zinthu zambiri zomwe mumagula - zovala, zamagetsi, mipando, ndi zinthu zina zambiri zogula. Kutsika kwamitengo ndi njira yopitilira, koma nthawi zambiri mumazindikira mukafuna kugulitsa chinthu chomwe muli nacho kwa wina. 

Ngakhale patapita nthawi yochepa, mtengo wa chinthucho umatsika kuchokera pamtengo umene munalipira pamene chinali chatsopano. Kugwa uku ndikutsika kwamtengo wapatali kwa chinthucho. Nthawi zambiri, kutsika kwamitengo kumapitilira pakapita nthawi mpaka chinthucho chikhala chochepa kwambiri kapena chopanda phindu. Momwe ndondomekoyi imachitikira mofulumira imatchedwa kutsika kwa mtengo.

Nchiyani chimayambitsa kuchepa kwa mtengo?

Pali zinthu zambiri zomwe zimayambitsa kutsika kwa mtengo wa chinthu. Zamagetsi zimatsika mtengo pomwe ukadaulo ukupita patsogolo. Zovala zimatsika ngati mafashoni akusintha. Zinthu izi, pamodzi ndi zina zambiri, zimapangitsanso mtengo wagalimoto yanu kutsika.

Kutchuka kwa galimoto, kudalirika kwake, mphamvu zake, ndi kukonzanso ndalama zonse zimakhudza kutsika kwake. Magalimoto osiyanasiyana amatsika mtengo pamitengo yosiyana malinga ndi momwe amakhudzidwira ndi izi.

Zinthu zina zili kunja kwa mphamvu zanu, koma pali zina zomwe inu, monga eni galimoto, mutha kuzichita. Kungogwiritsa ntchito galimoto kumabweretsa kuchepa. Mukamayendetsa mailosi ambiri, m'pamenenso galimoto yanu idzakhala yocheperapo chifukwa zinthu zina zimatha kuwonongeka pakapita nthawi.

Chinthu china chimene chingawononge kwambiri mtengo wa galimoto, makamaka yatsopano, ndi misonkho. Magalimoto onse atsopano amapatsidwa VAT pamlingo wa 20 peresenti, ndikuwonjezera mapaundi masauzande pamtengowo. Ndipo pakhoza kukhala ndalama zina zomwe wopanga magalimoto ndi wogulitsa amawonjezera pamwamba. Nthawi zambiri, kuchuluka kwa VAT ndi zina zilizonse zomwe mwalipira zimachotsedwa pamtengo wagalimoto yatsopanoyo mukangotenga umwini wake.

Mwamwayi, zikafika pamagalimoto ambiri ogwiritsidwa ntchito, palibe VAT, ngakhale ogulitsa amawonjezera mtengo wawo pamtengo wofunsayo. Mwamwayi, izi nthawi zambiri zimakhala zochepa kwambiri.

Kodi kutsika kumawerengeredwa bwanji?

Kutsika kwa mtengo wa galimoto yatsopano kaŵirikaŵiri kumatchulidwa ngati chiŵerengero chosonyeza kuchuluka kwa mtengo umene udzatayika m’zaka zitatu zoyambirira za moyo wake. Mutha kugwiritsa ntchito gawoli kuti mudziwe kuchuluka kwagalimoto yomwe ingakhale yamtengo wapatali ikadzafika zaka zitatu. Nachi chitsanzo:

Galimoto yatsopano yomwe imawononga £ 20,000 yatsopano ndipo imatsika ndi 50% idzagula £ 10,000 m'zaka zitatu.

Kutsika kwamitengo nthawi zina kumatchulidwa motengera "mtengo wotsalira". Mu chitsanzo pamwambapa, galimoto ili ndi mtengo wotsalira wa 50%. Izi zikutanthauza kuti pambuyo pa zaka zitatu zoyambirira ndizofunika 50% ya zomwe zinali zofunika mu chikhalidwe chatsopano.

Kutsika kwa mtengo wa galimoto kumachepa pakapita nthawi pamene mtengo wake umachepa. Magalimoto amatsika kwambiri m'chaka choyamba, chifukwa chachikulu cha misonkho ndi ndalama zomwe zatchulidwa. Pambuyo pa zaka 10, chiwongoladzanja chikhoza kutsika mpaka 1-2% pachaka.

Kutsika kwamitengo kumayerekezedwa ngakhale galimoto isanagulitsidwe. Akatswiri opanga magalimoto amasanthula momwe galimotoyo idzakhudzidwire ndi zinthu zomwe tazitchula kale ndikuwerengera mtengo wamtengo wapatali moyenerera. Sikuti nthawi zonse amapeza bwino, koma manambala omwe amapeza ndi ofunika kwambiri. 

Chifukwa chiyani kuchepa kwamtengo kuli kofunika?

Kuwerenga kutsika kwamitengo ndikothandiza pogula galimoto yogwiritsidwa ntchito chifukwa mutha kupeza ndalama zenizeni. Ndizodabwitsa kuti magalimoto ena amataya mtengo wake zaka zingapo zoyambirira za moyo wawo, zomwe zingawapangitse kukhala opambana kwambiri pogula magalimoto ogwiritsidwa ntchito.

Mosiyana ndi zimenezo, simukufuna kukhala mwiniwake woyamba wa galimoto yomwe idzataya mapaundi masauzande ambiri panthawi yomwe mudzaigulitsa. Kuphunzira za mitengo yotsika mtengo kungakuthandizeni kupewa msampha umenewu.

Mitengo yamtengo wapatali imatsimikiziranso mtengo wogula galimoto pa lendi kapena pansi pa mgwirizano wogula munthu (PCP). Mitengo yobwereketsa galimoto ndi ndalama za PCP zimatengera mtengo woloseredwa wagalimoto ikatha. Kwenikweni, wobwereketsa wanu amakuuzani mtengo wamtsogolo wagalimoto yanu, ndipo zolipirira zanu pamwezi zimalipira mtengo wakutsika kwa nthawi yonse yomwe muli nayo.

Dziwani zambiri za ndalama zamagalimoto a PCP apa.

Ndi magalimoto ati omwe ndiotsika mtengo?

Palibe lamulo lolimba komanso lachangu la mtundu wanji wagalimoto womwe umataya mtengo wocheperako. Koma kawirikawiri, magalimoto otchuka amataya mtengo wochepa. Iyi ndi nkhani yosavuta yopezera ndi kufuna. SUVs Large ngati BMW X5 ndi kwamakono kwambiri ndipo ambiri a iwo otsika damping mitengo. Monga magalimoto ambiri amagetsi.

Ndikoyenera kudziwa kuti magalimoto ochepa kwambiri amataya zosakwana 50% za mtengo wawo m'zaka zitatu zoyambirira. Ndipo chilichonse chofikira 60% chitha kuonedwa ngati ndalama zabwino kwambiri.

Pali zosiyana ndi malamulo. Magalimoto ena amawonjezeka kwambiri pakapita nthawi, kutanthauza kuti amakhala amtengo wapatali mukamagulitsa kuposa mukamagula. Umu ndi momwe zilili ndi magalimoto ambiri akale, magalimoto osowa masewera, komanso pafupifupi magalimoto atsopano amagetsi.

BMW X5

Ndi magalimoto ati omwe amatsika mtengo kwambiri?

Palibe lamulo lolimba komanso lachangu loti magalimoto amatsika mtengo kwambiri. Apanso, kutchuka kwa galimotoyo ndikulosera bwino. Mwachitsanzo, ma sedan akuluakulu ndi ma minivans sakukondedwa m'zaka zaposachedwa ndipo akhoza kukhala ndi mitengo yotsika kwambiri. Mofananamo, zitsanzo zina zodziwika zimakhala ndi mitengo yotsika kwambiri chifukwa pali zambiri zomwe zimagwiritsidwa ntchito pamsika. Magalimoto ambiri apamwamba amakhala ndi mitengo yotsika mtengo chifukwa amatha kukhala okwera mtengo kuwasamalira akamakalamba.

Kodi kuchepetsa depreciation bwanji?

Malo abwino oti muyambirepo ndi kugula galimoto yotsika mtengo kwambiri. Zina zomwe mungachite ndi kuchepetsa mtunda wanu komanso kusunga galimoto yanu ili bwino. Magalimoto omwe amasamalidwa bwino amasunga mtengo wake kwa nthawi yayitali.

Komabe, musalole kudandaula za mtengo wamtsogolo kukuuzani galimoto yomwe mumagula komanso momwe mungagwiritsire ntchito. Muyenera kugula galimoto yomwe mumakonda ndikuigwiritsa ntchito momwe mukufunira.

Mukufuna kugulitsa galimoto yanu ndipo simukudziwa kuti ndi ndalama zingati? Gwiritsani ntchito chowerengera chathu chaulere chowerengera magalimoto kuti mupeze mawu pompopompo.

Pali magalimoto ambiri apamwamba omwe amagulitsidwa ku Cazoo. Gwiritsani ntchito tsamba lathu losakira kuti mupeze zomwe mumakonda, ziguleni pa intaneti ndikuzibweretsa pakhomo panu, kapena sankhani kuzitenga kuchokera kudera lanu lapafupi la Cazoo lothandizira makasitomala.

Tikuwonjezera nthawi zonse ndikukulitsa mtundu wathu. Ngati simukupeza lero, yang'ananinso nthawi ina kuti muwone zomwe zilipo. Kapena khazikitsani chenjezo kuti mukhale oyamba kudziwa tikakhala ndi magalimoto omwe akugwirizana ndi zosowa zanu.