Momwe kubwereketsa ndi kugawana magalimoto "kupha" ngongole ndi lendi

Anthu okhala m'mayiko otukuka kwambiri, kuphatikizapo ife, akukumana ndi nthawi yosangalatsa kwambiri m'mbiri ya chuma. Kusintha komaliza kwa kukulaku kunachitika panthawi yomwe nthawi yobwereketsa ogula ambiri idayamba. Ndiye munthu aliyense wogwira ntchito kapena wamalonda adapeza mwayi "pano ndi pano" kuti agwiritse ntchito chirichonse - kuchokera ku banal khofi wopanga galimoto kapena nyumba yake. Pangongole. Ndiko kuti, kupeza katundu wokhazikika ndi malipiro apang'onopang'ono. Tsopano anthu akusintha kwambiri kugwiritsa ntchito njira yatsopano - "katundu wosakhalitsa" ndi malipiro apanthawi ndi nthawi.

Kugawana magalimoto mwina ndi chitsanzo chodziwika bwino cha mtundu watsopano wa umwini womwe ukutchuka. Koma komanso kwambiri "osakhazikika" malinga ndi malamulo. Njira yodziwika bwino yakugawana chuma ndikubwereketsa. Chinachake pakati pa kugawana magalimoto ndi ngongole, koma ndi dongosolo lamalamulo lopangidwa bwino. Pachifukwa ichi, kubwereketsa galimoto, mosiyana ndi kugawana magalimoto, sikoyenera kwa anthu okha, komanso kwa mabizinesi ang'onoang'ono ndi amalonda payekha, osatchula malonda akuluakulu.

Njira zenizeni zachuma ndizoti nzika wamba komanso mabizinesi tsopano akuchotsedwa m'dera la ngongole ku gawo la kubwereketsa magalimoto. Weruzani nokha. Kwa bizinesi yaying'ono, kugula galimoto pamtengo wokwanira nthawi yomweyo kumakhala ntchito yayikulu. Ngongole yaku banki ndi funso lalikulu, popeza mabungwe angongole amasankha kwambiri obwereketsa ang'onoang'ono, akatswiri akutero.

Ngati mabanki amapereka ngongole, ndiye pamlingo wokulirapo komanso kulipidwa kwambiri pagalimoto yogulidwa. Sikuti bizinesi yaying'ono iliyonse imatha kukoka mikhalidwe yotere. Makamaka ngati "sanachoke" pazotsatira za "mliri" wamavuto azachuma. Ndipo galimoto ikufunika kuti mwanjira ina kukula - osati mawa, koma lero. Chifukwa chake, wochita bizinesi pafupifupi popanda njira ina amabwera pakufunika kogwiritsa ntchito kampani yobwereketsa.

Mbiri yangongole ya omwe angakhale kasitomala siili yofunika kwambiri kwa iye. Mwachitsanzo, imodzi mwa mapulani a ntchito yobwereketsa ikutanthauza kuti kasitomala sayenera kulipira mtengo wonse wagalimoto. Iye, kwenikweni, "amagula" kwa zaka zingapo, kusamutsira ku kampani yobwereketsa osati mtengo wonse wa galimoto (monga ndi ngongole), koma gawo lokhalo, mwachitsanzo, theka la mtengo.

Pambuyo pa zaka 3-5 (nthawi ya mgwirizano wobwereketsa), kasitomala amangobwezera galimotoyo kwa wobwereketsa. Ndipo amasintha kukhala galimoto yatsopano ndikulipiranso theka la mtengo wake. Zikuoneka kuti wochita bizinesi akhoza kuyamba kupeza ndalama ndi galimoto, ndipo muyenera kulipira ndalama zochepa kwambiri kuposa momwe banki ingalipire ngongole. Mu ndondomeko yobwereketsa, "mabonasi" angapo othandiza kwa bizinesi amabisika.

Chowonadi ndi chakuti m'madera angapo mabizinesi ang'onoang'ono amatha kulandira zokonda zingapo kuchokera ku boma. Mwachitsanzo, mu mawonekedwe a subsidies kwa malipiro pang'ono kapena kubweza gawo la chiwongola dzanja pa lease malipiro - mkati mwa chimango cha federal ndi zigawo boma thandizo mapulogalamu.

Mwa njira, zida zowonjezera zagalimoto zimatha kukhala zotsika mtengo kwa kasitomala - ngati muyitanitsa kuchokera kwa wobwereketsa. Pambuyo pake, womalizayo amapeza kuchokera kwa wopanga pamlingo waukulu ndipo motero pamitengo yotsika.

Kuphatikiza apo, kubwereketsa ndikopindulitsa kwambiri kwa mabungwe azovomerezeka, chifukwa ali ndi ufulu wofunsira chipukuta misozi pa VAT. Kuchuluka kwa ndalama zosungirako kumafika 20% ya ndalama zonse zomwe zachitika. Ndipo nthawi zina, zimakhala kuti kubwereketsa galimoto ndikotsika mtengo kuposa kugula mu salon ndi ndalama.

Kuwonjezera pa ubwino wa ndalama, kubwereketsa, poyerekeza ndi ngongole, kuli ndi ubwino walamulo. Choncho, pankhani ya wochita bizinesi payekha, wogula galimoto sayenera kulipira ndalama kapena kuyang'ana guarantors. Kupatula apo, galimotoyo, malinga ndi zikalatazo, imakhalabe ya kampani yobwereketsa. Iye, mosiyana ndi banki, nthawi zina amafuna zikalata zochepa kuchokera kwa wogula: chochokera ku Unified State Register of Legal Entities, makope a mapasipoti oyambitsa - ndipo ndizomwezo!

Kuphatikiza apo, mabanki obwereketsa samakhudza magwiridwe antchito a makina angongole. Chifukwa si mbiri yawo basi. Ntchito yawo ndi kupereka ndalama kwa wobwerekayo ndi kuonetsetsa kuti wabweza pa nthawi yake. Ndipo kampani yobwereketsa ingathandize ndi inshuwaransi, komanso kulembetsa galimoto ndi apolisi apamsewu, komanso kukonza luso lake, komanso kugulitsa zida zosatha, pamapeto pake.

Koma apa funso limakhala losapeŵeka: bwanji, ngati kubwereketsa kuli kwabwino, kosavuta komanso kotchipa, kwenikweni aliyense sagwiritsa ntchito? Chifukwa chake ndi chophweka: anthu ochepa amadziwa za ubwino wake, koma nthawi yomweyo, ambiri amakhulupirira kuti kukhala ndi galimoto ndi priori yodalirika kwambiri.

Komabe, zifukwa zonsezi ndi zosakhalitsa: kusintha kuchoka ku nthawi zonse kupita ku umwini wa galimoto sikungapeweke, ndipo posakhalitsa ngongole ya galimoto ikhoza kukhala yachilendo.