Momwe mungasungire ndalama pogula galimoto yobwereketsa

Mikangano yokhudzana ndi zomwe zimapindulitsa kwambiri - kugula galimoto pa ngongole kapena kubwereketsa, sizinathe kuyambira pamene "adalembetsa" ku Russia. Ndipo ngakhale kuti magalimoto opitilira 50% amagulidwabe kuchokera kwa ife ndi ngongole, kuchuluka kwa omwe abwereketsa kukukulirakuliranso - mu 2019, idawerengera pafupifupi 10% yazogulitsa zamagalimoto atsopano. Pakadali pano, monga momwe portal ya AvtoVzglyad idadziwira, kubwereketsa kuli ndi maubwino angapo pangongole.

Panthawi imodzimodziyo, tidzakhala nthawi yomweyo kusungirako kuti kufanizitsa ndondomeko ziwirizi zogulira galimoto kudzakhala kulakwitsa kwakukulu - ngakhale, tsoka, lodziwika bwino - kuganizira kokha chiwongoladzanja ndi malipiro. Kupatula apo, ndikofunikira kwambiri kuti makampani obwereketsa, mosiyana ndi mabanki, azikhala omasuka (ngati sali omasuka) pakuwunika kuchuluka kwa makasitomala.

Zokwanira kunena pano kuti chaka chatha mabanki anakana kuti apereke ngongole ya galimoto kwa pafupifupi 60% ya obwereketsa angathe, koma galimoto yobwereketsa kukana kotereku kuchuluka, malinga ndi ziwerengero zina, kuti 5-10%. Mwa njira, izi ndizofunikira makamaka kwa mabungwe ovomerezeka: pafupifupi theka la mabizinesi ang'onoang'ono ndi apakatikati amafuna, koma sangathe, kugula galimoto chifukwa chazovuta zamabanki kuti apereke ngongole. Ngakhale, tikubwereza, ubwino wa kubwereketsa sizongowonjezera chiwongoladzanja ndi malipiro.

Ford Transit pamtengo watheka, kapena Sungani pamisonkho

Kubwereketsa, pokhala, kubwereketsa ndalama, ndikokongola kwa mabungwe ovomerezeka ndi mwayi wosasintha ndalama zogwirira ntchito kuti athetse mavuto a kampani. Kuti muyambe kugwiritsa ntchito chinthu chobwereketsa, ndikwanira kuyika 5% ya mtengo wake. Ndalama zomwe zimaperekedwa kwa wogulitsa zida zimalipidwa ndi wobwereketsa, zomwe zimaganiziranso za kubwereketsa pamapepala ake amalipiritsa mgwirizano usanathe (chifukwa chake kusakhalapo kwa chikole pakubwereketsa). Akamaliza, wobwereketsa amapereka malipiro otsalira (osachepera - 1000 rubles) ndipo amalandira galimotoyo umwini, kupulumutsa msonkho wa ndalama ndi VAT.

Kuti timvetse bwino momwe izi zimagwirira ntchito, tiyeni tipereke chitsanzo cha malonda enieni a Ford Transit van, omwe ndi otchuka kwambiri ku Russia, kuchokera kwa mmodzi wa atsogoleri a bizinesi yapakhomo, Gazprombank Avtoleasing. Makasitomala amagula galimoto mogwirizana, poganizira kuchotsera kwa wobwereketsa wa ma ruble 2, ndi kulipira pasadakhale 100 rubles (415%) ndi mgwirizano wa miyezi 700, pomwe adzapanga annuity (yofanana) malipiro. Panthawi imodzimodziyo, akamaliza mgwirizano wobwereketsa, adzatha kubwezera msonkho wolipidwa ndi VAT (zonse - 36,4% iliyonse, kapena 18 rubles). Pazonse, mtengo wogulira van kwa kasitomala udzakhala ma ruble 20.

Momwe mungapezere kuchotsera 500 pa BMW X000

Kwa ogulitsa magalimoto kunja, makampani obwereketsa ndi ogula kwambiri. Pachifukwa ichi, amakhala okonzeka nthawi zonse kupereka kuchotsera, komwe kumawulutsidwa kwa obwereketsa. Kutengera mtundu ndi mtundu, amalonda amathanso kupulumutsa kuchokera ku 5% mpaka 20% yamtengo wamsika wamagalimoto, ndipo nthawi zina zochulukirapo. Mwachitsanzo, yemweyo wotsogola masewera kuwoloka BMW X6 akhoza kumwedwa ndi ndalama za 434 zikwi rubles.

Lipirani mukafuna

Pambuyo pa kutha kwa mgwirizano, malipiro omwe amaperekedwawo amagawidwa m'magawo okhazikika kwa nthawi yonse ya mgwirizano. Zimaphatikizapo malipiro ogwiritsira ntchito ndalama zobwereka, komanso kubweza ngongole yaikulu. Nthawi yomweyo, solvency yabizinesi nthawi zambiri imatha kusiyanasiyana, mwachitsanzo, kutengera nyengo yabizinesi yake. Pakubwereketsa, pali mwayi wabwino kwambiri wolowetsa malipiro a mwezi uliwonse mu bajeti yamakampani posankha imodzi mwa mitundu isanu ya ndondomeko: malipiro ofanana; malipiro otsika mtengo; kutsika kwapayekha kapena ndandanda yamalipiro anyengo.

Pachiyambi choyamba, gawo la chiwongoladzanja cha malipiro kumayambiriro kwa kugwiritsa ntchito mgwirizano wobwereketsa ndi lalikulu kuposa kumapeto, pamene ndalama zolipirira zimakhala zosasintha. Chachiwiri, ndalama zolipirira zimachepa mwezi uliwonse pakutha kwa mgwirizano wobwereketsa. Ndikosavuta ngati mukufuna kuyang'ana, mwachitsanzo, pakupanga bajeti yolipira chiwombolo, makamaka popeza pankhaniyi kuchuluka kwa chiwongola dzanja kumachepetsedwa. Mitundu yachitatu ndi yachinayi yamalipiro ndi yofanana ndi yocheperako, kusiyana kokhako ndiko kuti pa malipiro a sitepe, katunduyo amachepetsedwa pang'onopang'ono, osati mwezi uliwonse, ndipo ndondomeko zochepetsera munthu zimakonzedwa molingana ndi zosowa za kasitomala. Pamenepa, ndalamazo zidzasiyana malinga ndi nthawi ya mgwirizano. Ndipo, potsiriza, mu ndondomeko ya nyengo, malipiro pansi pa mgwirizano wobwereketsa amasinthidwa kuti agwirizane ndi bizinesi ya kampaniyo, ndipo apa phindu la wobwereketsa limaganiziridwa - nsonga zake ndi kugwa. Njirayi ikhoza kukhala yoyenera kwa mabungwe omanga kapena makampani omwe amanyamula katundu wanthawi yake.

Boma lithandiza

Pofuna kuthandizira makampani opanga magalimoto apanyumba (ndipo lero pafupifupi 85% ya magalimoto onse ogulitsidwa asonkhanitsidwa m'dziko lathu), boma lapanga njira zothandizira. Chimodzi mwa izo ndi thandizo la kubwereketsa magalimoto. Chifukwa chake, mu 2019, mabizinesi ang'onoang'ono ndi apakatikati omwe akuchita nawo pulogalamu ya Unduna wa Zamakampani ndi Zamalonda adaperekedwa ndi obwereketsa ndi kuchotsera 12,5% ​​pakulipira pasadakhale. Kukula kwake kwakukulu kunafikira ma ruble 625. Thandizo labizinesi lidzapitilira mu 2020: mu February, Unduna wa Zamakampani ndi Zamalonda ukuyembekezeka kudziwa mndandanda wa omwe atenga nawo gawo. Komabe, kusunga ndalama pogula magalimoto obwereketsa sikuthera pamenepo.

Cherry pa keke

Ndipo, ndithudi, kupereka zokonda kubwereketsa, tisaiwale kuti mumpikisano waukulu ndi mabanki omwewo, makampani obwereketsa amapereka zinthu zapadera nthawi zonse. Mwachitsanzo, mu Gazprombank Autoleasing pali kuchotsera kwina pakulipira kwa chiwombolo mu kuchuluka kwa 2%, kuperekedwa chifukwa chosowa kuchedwa kwa malipiro. Ndipo kwa mitundu ina yamagalimoto, mkati mwazotsatsa zamakono, makasitomala nthawi zonse amapatsidwa mgwirizano wa CASCO ndi OSAGO ngati bonasi m'chaka choyamba chogwiritsira ntchito katundu wobwereketsa (zaka zina zingathenso kutetezedwa mwamsanga pophatikizapo mtengo wa ndondomeko mu zolipira pamwezi kuti musapatutse ndalama kuchokera kumayendedwe). Chotsatira chake ndikuchepetsa kwambiri mtengo.

Super Economy

Mwa njira, anthu ochepa amadziwa kuti lero ndizotheka kubwereka osati latsopano, komanso galimoto yogwiritsidwa ntchito, motero kupulumutsa ndalama zambiri. Si chinsinsi kuti galimoto yatsopano yomwe imasiya malo ogulitsa imataya mpaka 20% pamtengo. Ndipo izi ndi zoona makamaka pazachuma masiku ano, pamene malonda a magalimoto atsopano akugwa, ndipo ogwiritsidwa ntchito akukula. Chifukwa chake, magalimoto pafupifupi 2019 miliyoni adagulitsidwa pamsika wachiwiri mu 5,5, ndipo galimoto iliyonse yachitatu yomwe idagwiritsidwa ntchito idagulitsidwa kudzera munjira yamalonda.

Inde, makampani obwereketsa sakanatha kunyalanyaza izi. Zowona, izi sizikutanthauza kuti mwamtheradi galimoto iliyonse yogwiritsidwa ntchito ikhoza kubwerekedwa. Monga lamulo, zaka za galimoto panthawi yomaliza ntchito siziyenera kupitirira zaka zitatu, ngakhale kukhalapo kwa chitsimikizo sikofunikira.

"Kufunika kwa magalimoto ogwiritsidwa ntchito kumakhala kochepa kwambiri komanso sikukhudzidwa ndi zachuma poyerekeza ndi magalimoto atsopano, omwe mitengo yake ikukulirakulira," akutero a Maxim Agadzhanov, General Director wa Gazprombank Leasing, akufotokoza momwe zinthu zilili pa pempho la AvtoVzglyad portal. . "Panthawi yomweyi, ngati tikulankhula za malingaliro athu ogula magalimoto ogwiritsidwa ntchito, ndiye kuti ndalama zonse zomwe zimaperekedwa pansi pa mgwirizano wobwereketsa zimafika ma ruble 120 miliyoni, ndipo malipiro ocheperako pazochitika zotere ndi 10%; chomwe ndi chimodzi mwazizindikiro zabwino kwambiri pamsika…