Kubwereketsa kwa nthawi yayitali - ndikoyenera kapena ayi?
Zamkatimu
Kubwereka kwa nthawi yayitali - ndikoyenera kugwiritsa ntchito? Malingaliro a akatswiri aku UK akuwonetsa kuti kubwereketsa kwa nthawi yayitali kumatha kupha msika watsopano wamagalimoto. Zonse chifukwa cha zidule zomwe zimagwiritsidwa ntchito m'makontrakitala.
Zamkatimu
- Kubwereketsa kwa nthawi yayitali, mwachitsanzo British PCP
- Kodi lendi ya nthawi yayitali idachokera kuti?
- Kodi kubwereketsa kwa nthawi yayitali ndi phindu?
- Kubwereketsa kwa nthawi yayitali - chingachitike ndi chiyani?
Kubwereketsa kwa nthawi yayitali ku Poland ndikufanana ndi British Personal Contract Purchase (PCP). Galimotoyo imabwerekedwa kwa dalaivala atapereka ndalama zina (10-35 peresenti ya mtengo wagalimoto) ndi kudzipereka kolembedwa kuti azilipira magawo pamwezi ndi ma zloty mazana angapo mpaka masauzande angapo.
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Pambuyo pa kutha kwa moyo wake wothandiza, ndizotheka kugula galimoto pamtengo wodziwika, womwe umakhalanso angapo mpaka angapo peresenti ya mtengo woyambirira wagalimoto.
Kodi lendi ya nthawi yayitali idachokera kuti?
Pankhani ya kubwereketsa kwachikale kapena ngongole, wogulitsa galimoto amangopeza ndalama zomwe akambirana. Zomwe zimawonekera pa invoice yogula.
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Pankhani yobwereketsa kwa nthawi yayitali, udindo wa banki umatengedwa ndi wogulitsa kapena kampani ya mwana wamkazi. Ndalama zowonjezera, chiwongola dzanja ndi magawo amapita ku kampani yobwereka, osati kubanki. Kubwereketsa kwa nthawi yayitali kumalola ogulitsa (kapena makampani awo aakazi) kupeza ndalama zowirikiza kawiri: pakubwereketsa galimoto komanso ndalama zina zogwirira ntchito.
Kodi kubwereketsa kwa nthawi yayitali ndi phindu?
Mwachidule, tinganene kuti kubwereketsa kwa nthawi yaitali kungakhale kopindulitsa kwa anthu omwe sali olemera kwambiri. Atalipira kagawo kakang'ono pamwezi, amapeza mwayi wopeza galimoto yawo yamaloto.
Zonse, komabe, mpaka nthawi. Kukula kwenikweni kwa renti yanthawi yayitali (PCP ku Great Britain) kudayamba mu 2013/2014. Masiku ano, mu 2017, chitsanzo chandalamachi chimapanga pafupifupi 90 peresenti (!) Pazogulitsa zonse zatsopano zamagalimoto.
Komabe, msika wamagalimoto watsopano mwadzidzidzi unachepa kwambiri (-9,3 peresenti mosayembekezereka).
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Bungwe la National Association of Commercial Financial Brokers (NACFB) lati kuchepa kumeneku kwa malonda atsopano amagalimoto ndi chifukwa cha zigawenga zamakontrakitala a nthawi yayitali.
Kubwereketsa kwa nthawi yayitali - chingachitike ndi chiyani?
Pobwereka galimoto yobwereka kwa nthawi yayitali, zonse zikuwoneka bwino. Pokhapokha powerenga mgwirizanowu mosamala tidzazindikira kuti inshuwalansi sichimabisa kuba kapena kuwonongeka kwa galimoto ndi mphepo yamkuntho. Ngozi zowononga galimoto yonse (cassation) ndizowopsa. Wothandizira inshuwalansi amabwezera mwiniwake (wogulitsa) 100 peresenti ya mtengo wa msika wa galimoto, zomwe sizikulipira mtengo wonse wa mgwirizano wobwereketsa galimoto.
Zotsatira zake, munthu amene adabwereka galimotoyo amasiyidwa wopanda galimoto, ndipo amalipirabe ndalama za mwezi uliwonse! Choncho, tisanabwereke galimoto kuti tibwereke kwa nthawi yaitali, ndi bwino kuganizira ngati tingakwanitse kugula galimoto iyi ...
Ku UK, msika wamagalimoto watsopano watsika mosayembekezereka ndipo msika wamagalimoto ogwiritsidwa ntchito wayambanso kufunika.
Warto przeczytać: Kodi Zoyipa Zoyipa Zozungulira PCP Zikuvulaza Msika Watsopano Wamagalimoto?
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