Novat Leasing: Zonse zomwe muyenera kudziwa

Kubwereketsa kwatsopano kungakupulumutseni ndalama zazikulu.

Magalimoto amadziwika kuti ndiye kugula kwachiwiri kwakukulu komwe ambirife timapanga m'miyoyo yathu komanso chimodzi mwazinthu zochepa zomwe timalolera kulowa mungongole yayikulu, zomwe ndizomwe zimapangitsa lingaliro la kubwereketsa kokwezeka kukhala losangalatsa mukangozindikira. chomwe chiri.

Inde, zimamveka ngati chinthu chomwe mlangizi wanu wa zachuma akuyamba kukambirana musanayambe kugona, koma zoona zake n'zakuti zingathe kukuchotserani ululu wokhala ndi galimoto komanso mbali yake.

M'dziko labwino, mutha kukhala ndi mwayi wopeza galimoto yomwe mukufuna osalipira kalikonse, koma sindiwe wamatsenga kapena wotchuka, chifukwa chake kubwereketsa komwe kumatha kuchepetsa ndalama zomwe zimachokera m'thumba lanu ndikuyikani. m'magalimoto atsopano onyezimira nthawi zambiri.

Kodi kubwereketsanso ndi chiyani?

M'malo mwake, kubwereketsa kopanda phindu kumaphatikizapo munthu wina wothandiza komanso wopindulitsa pazachuma pa mgwirizano wogula galimoto, abwana anu akugwirizana nanu ndi wogulitsa ngati "woyang'anira magalimoto". Ngakhale izi zingakupulumutseni ndalama pakapita nthawi, ndizovuta kudziwa poyamba chifukwa mukufunsidwa kuti mulipire chinthu chomwe simungakhale nacho. Chifukwa chake gawo la "rent".

Kumbali yabwino, mawu oti "zatsopano" amamveka ngati okayikitsa, ngati chinthu chokhudzana ndi misonkho ndi akauntanti, ndipo ndi; nkhani yabwino ndiyakuti imatha kukuthandizani kupeza ndalama zomwe mwina mungakhale nazo msonkho.

Kwenikweni, kubwereketsa kokwezedwa kumatanthauza kuti abwana anu ndi gawo la mgwirizano wanu wogula ndipo amakulolani kuti mulipire galimoto yanu ngati gawo la ndalama zomwe mumalipira (zomwe zimawasungiranso ndalama) pokulipirani zolipirira zamagalimoto anu kuchokera pazomwe mudalipira kale. mtengo wa msonkho..

Misonkho yomwe mumapeza imawerengedwa kutengera malipiro anu omwe achepetsedwa, zomwe zikutanthauza kuti muli ndi ndalama zambiri zotayidwa.

Bhonasi ina ya msonkho ndi yakuti simuyenera kulipira GST pa mtengo wogula galimoto pamene simukugula, kuchepetsa mtengo ndi 10 peresenti.

Kodi ntchito?

Nthawi zambiri, mumabwereka galimoto kwa nthawi yoikika - nthawi zambiri zosachepera zaka ziwiri, koma nthawi zina zitatu kapena zisanu - ndipo ikatha nthawi imeneyo mutha kuyigulitsanso ndi mtundu watsopano kapena kusaina pangano latsopano (kutanthauza kuti simumatero" Osakhazikika ndi galimoto yakale kapena yosatha kwa nthawi yayitali), kapena ngati mumakonda kwambiri galimoto yanu, mutha kulipira chindapusa choikidwiratu kuti mugule ndikusunga.

Izi nthawi zambiri zimatchedwa "air charge", mwina chifukwa zimakwera kufika pa chiwerengero chachikulu kuposa momwe mungakhulupirire poyamba.

Poyerekeza kubwereketsa kokwezeka ndi njira yopezera ngongole yamagalimoto ndikungogula galimoto, lingalirani kuti ngongole yanu idzalipidwa mokwanira kuchokera ku madola anu amsonkho omwe mumalandira mu akaunti yanu yakubanki sabata iliyonse pambuyo pamisonkho. kuchotsedwa mwankhanza.

Ndi renti yomwe yasinthidwa, mukulipira kuchokera kundalama zazikulu zomwe mudamva kuti ndi "malipiro" anu, ndiye kuti mumakhala ndi ndalama zambiri zoseweretsa.

Chomwe muyenera kumvetsetsa ndichakuti simukuchita lendi galimoto kapena kubwereketsa, mukubwereka; kulipira ndalama zomwe muli nazo, koma kwenikweni, ngati mukufuna, musamalipire mokwanira, zomwe zikutanthauza kuti mutha kutembenuza galimoto yanu nthawi zonse ndikusintha mtundu, masitayilo, makulidwe momwe mukufunira.

Mneneri wa KPMG anafotokoza izi, mwina mwachidule monga mmene wowerengera ndalama anganenere: “Kubwereketsanso Kukukukhudzani inu, wogulitsa zombo zanu, ndi abwana anu. Izi zimalola olemba ntchito kapena bizinesi kubwereka galimoto m'malo mwa wogwira ntchito, wogwira ntchitoyo, osati bizinesi, yemwe ali ndi udindo wolipira.

"Kusiyana pakati pa zobwereketsa zotsitsimutsidwa ndi ndalama zomwe mumalipira nthawi zonse ndikuti ndalama zomwe mumalipira galimoto yanu zimaphatikizanso ndalama zonse zomwe mumalipira ndipo zimatengedwa kuchokera pamalipiro anu amisonkho isanakwane, ndiye ngakhale mutalipira msonkho wanji, padzakhala phindu nthawi zonse."

Ngati ndinu olemba ntchito, ndiye kuti bonasi ndi yoti mukhale bwana wokongola kwambiri popatsa antchito anu phukusi la renti lomwe silikukulipirani chilichonse. Izi zimakupangitsani inu zomwe kampani yobwereketsa ya MotorPac imakonda kutcha "bwana wanu wosankha," kutanthauza kuti antchito anu amakukondani ndipo akufuna kupitiriza kukugwirirani ntchito.

Mukusunga ndalama zingati?

Makampani ena amapereka makina owerengetsera obwereketsa magalimoto omwe amakupatsani mwayi wowerengera ndendende kuchuluka kwa momwe mungasungire potengera kutalika kwa lendi, ndalama zomwe mumapeza, komanso galimoto yomwe mwasankha.

Pali zitsanzo zina pamasamba ena kuti zinthu zimveke bwino. Adam, wazaka 26, wopenta nyumba akupanga $60,000 pachaka, amachita lendi galimoto kwa zaka zitatu ndi mtunda wa makilomita 20,000 pachaka.

Mtengo wa msonkho wa galimoto yake usanabwere ndi $7593.13, zomwe zimachepetsa ndalama zake zokhoma msonkho kufika $52,406.87. Izi zimachepetsa msonkho wake wapachaka kuchokera pa $12,247 kufika pa $9627.09, kutanthauza kuti ndalama zomwe amapeza pachaka tsopano ndi $34,825.08 m'malo mwa $31,446, kutanthauza kuti "phindu lake latsopano" ndi $3379.

Pokwera pang'ono pamasanjidwe, Lisa wazaka 44 wabwereka SUV yatsopano yomwe amagwiritsa ntchito pantchito ndi banja kwa zaka zitatu ndi 15,000 km pachaka. Amapeza $90,000 pachaka, ndipo atachepetsa ndalama zomwe amapeza msonkho ndi mtengo wa $6158.90 pachaka usanakhome msonkho, amalandila phindu la $3019.

Mwachiwonekere manambala amasiyana kwambiri kutengera momwe zinthu ziliri komanso momwe galimoto yomwe mukufuna kubwereketsa ndi yokwera mtengo, koma phindu la msonkho ndilomveka bwino.

Kodi pali zovuta zilizonse?

Zachidziwikire, palibe mgwirizano wangwiro, ndipo pali zovuta zomwe muyenera kuzidziwa pokonzanso lendi. Mwachitsanzo, ngati mwachotsedwa ntchito, mungafunikire kukakamiza wolemba ntchito watsopanoyo kuti agwire ntchito yobwereketsayo, kapena mungafunike kuthetsa lendiyo ndi kulipira ndalama zimene munalipirira, ndipo mukhoza kukumana ndi ndalama zina.

Kubwereketsanso nthawi zambiri kumabwera ndi chindapusa choyang'anira, ndipo mutha kulipira chiwongola dzanja chambiri pakubwereketsanso koyerekeza ndi ngongole yamagalimoto.

Pamapeto pake, ngakhale kuli kwanzeru kugwiritsa ntchito makina owerengera omwe akusinthidwa ndikuwerengera ndalamazo, ndikwabwino kukambirana za lendi yatsopano ndi wowerengera wanu, yemwe angakupatseni malangizo abwino, malingana ndi zomwe msonkho umapereka. pomwe muli.

Kodi mwayesako lendi yatsopanoyo ndipo idakuthandizani? Tiuzeni za izo mu ndemanga pansipa.