Kodi kukhala ndi galimoto kumawononga ndalama zingati?
Zamkatimu
Kodi mukuganiza zogula galimoto? Ngati ndi choncho, m’pofunika kudziŵa kuti kukhala ndi galimoto kumawononga ndalama zingati. Pali ndalama zambiri zomwe ziyenera kuganiziridwa musanasaine malonda. Kuphatikiza pa mafuta ndi kukonza, ndikofunikira kumvetsetsa njira zopangira ndalama zamagalimoto - ndiye muyenera kukhala okonzekera kuti galimotoyo idzatsika mtengo ikangogulidwa.
Mu positi iyi, muphunzira zambiri za mtengo wagalimoto. Mudzawona mwachidule zamitengo yokhazikika komanso yosinthika yomwe muyenera kukonzekera.
M'munsimu muli mndandanda wa ndalama zokhazikika zomwe muyenera kuziganizira musanagule galimoto. Tikakamba za ndalama zokhazikika, izi zikutanthauza kuti sizisintha malinga ndi kugwiritsa ntchito galimotoyo. Chifukwa chake, muyenera kukhala okonzeka kupereka ndalama zambiri mwazinthu izi.
Machine
Anthu ambiri omwe amasankha kugula galimoto yatsopano amatenga ngongole yagalimoto. Izi ziyenera kuphatikizidwa ngati ndalama zokhazikika pamwezi mu bajeti yanu yagalimoto. Ngongoleyi imatha kulipidwa m'njira ziwiri: kudzera ku banki yanu kapena kudzera mwa mnzanu wogulitsa magalimoto.
Mtengo wa ngongole ya galimoto umadalira makamaka kuchuluka kwa ndalama zomwe muyenera kubwereka. Kuphatikiza apo, mtengowo umadaliranso ndalama zofunsira, komanso chiwongola dzanja chomwe mungapeze ngongole.
Pakhoza kukhala kusiyana kwakukulu pamtengo wa ngongole ya galimoto pakati pa magalimoto osiyanasiyana ndi makampani. Chifukwa chake, ndi lingaliro labwino kufananiza zotsatsa zosiyanasiyana zamagalimoto musanasankhe momwe mukufunira kulipirira galimoto yanu.
Inshuwaransi yamagalimoto
Inshuwaransi ndi imodzi mwazinthu zomwe zimawononga kwambiri eni magalimoto (makamaka madalaivala atsopano). Izi ndichifukwa choti inshuwaransi yagalimoto imapangidwa mokhazikika, zomwe zimapangitsa kuti zikhale zovuta kufotokozera.
Mfundo yakuti inshuwaransi imapangidwa payekhapayekha ikutanthauza kuti imawerengedwa kutengera zaka zanu, malo okhala, luso loyendetsa, mtundu wagalimoto…
Inshuwaransi yamagalimoto imatha kusiyanasiyana kukampani ndi kampani. Chifukwa chake, ngati mukufuna kupulumutsa ndalama pa inshuwaransi yagalimoto, tikulimbikitsidwa kufananiza zoperekedwa ndi makampani osiyanasiyana a inshuwaransi musanasankhe imodzi mwazo.
Thandizo panjira
Thandizo lapamsewu ndi imodzi mwazowonjezera zodziwika kwambiri pakati pa eni magalimoto posankha inshuwaransi yamagalimoto. Makampani ena a inshuwaransi amaperekanso thandizo laulere la m’mbali mwa msewu monga mbali ya inshuwalansi yawo.
Thandizo la pamsewu likhoza kulipidwa ngati kulembetsa kapena ngati mgwirizano wosinthika. Eni magalimoto ambiri amakonda kulembetsa kokhazikika, chifukwa izi zikutanthauza kuti chithandizo chamsewu chikuphatikizidwa mu inshuwaransi yonse yamagalimoto.
Mtengo wa msonkho (zochitika zachuma zakunja)
Monga mwini galimoto, muyenera kukhala okonzeka kulipira msonkho pagalimoto yanu. Mtengo wa msonkho, womwe umatchedwanso msonkho wa galimoto (VED), ndi msonkho womwe mudzayenera kulipira kuti mulembetse galimoto yatsopano kwa nthawi yoyamba. Pambuyo pake, muyenera kulipira miyezi isanu ndi umodzi kapena khumi ndi iwiri iliyonse. Misonkho iyi imagwira ntchito pamagalimoto atsopano komanso magalimoto ogwiritsidwa ntchito. Zimawerengedwa potengera zaka zagalimoto ndi mpweya wa CO2.
Komabe, palinso zina zomwe mungasankhe pamisonkho iyi. Izi sizikugwira ntchito kwa madalaivala olumala, magalimoto amagetsi ndi magalimoto akale. M'pofunikanso kukumbukira kuti ngakhale simuyenera kulipira msonkho, muyenera kulembetsa galimoto yanu.
Kuphatikiza apo, pali msonkho watsopano wa 2021/2022. M'malo mwake, ngati mukufuna kugula galimoto yamtengo wapatali kuposa £40,000, mudzayenera kulipira ndalama zokwana £335 chaka chilichonse kwa zaka zisanu ndi chimodzi zoyambirira.
К
Cheke ya MOT ndiyovomerezeka pamagalimoto ambiri achikulire kuposa zaka zitatu. Akamaliza, amatha chaka. Zolephera zotheka zomwe zingawononge eni ake agalimoto ndi chilengedwe zimawunikidwa. Ngati galimoto yanu simuyang'aniridwa ndi tsiku lomaliza, mukhoza kulipiritsidwa.
Mitengo yosiyana
Mukasanthula mtengo wokhazikika wagalimoto, kumbukirani kuyang'ana pamitengo yosinthika.
mafuta
Mafuta agalimoto, dizilo kapena magetsi ndi zina mwazofunikira zosinthira pakugwiritsa ntchito galimoto. Zomwe mumagwiritsira ntchito zidzasiyana malinga ndi kuyendetsa kwanu. Chifukwa chake ndizovuta kugawa kuchuluka kwamafuta mu bajeti yanu mpaka mutayendetsa kwa milungu ingapo. Mulimonsemo, onetsetsani kuti simukuyika bajeti yanu yotsika kwambiri, kuti musadabwe ndi mtengo wamafuta.
Tikukulimbikitsani kuti muzitsatira zomwe mumadya pamwezi. Chifukwa chake mutha kuwerengera kuchuluka kwamafuta omwe mumadya kuti mudziwe kuchuluka kwamafuta omwe galimoto yanu imawonongera mwezi uliwonse.
Ntchito
Ndalama zanu zosamalira zimadalira kuchuluka kwa magalimoto omwe mumayendetsa komanso momwe mumakwera. Mulimonse momwe zingakhalire, kukonzanso kungafunike. Ndalama zolipirira zimaphatikizapo, mwa zina, kusintha matayala ndi kukonza galimoto.
Kusintha matayala, kukonza galimoto ndi kukonza
Matayala a galimoto yanu atha ndi ntchito. Kuwonjezera pa kusintha matayala a chilimwe ndi nyengo yozizira, ndi bwino kuti muwasinthe pambuyo pa 25,000 mpaka 35,000 mailosi.
Galimoto yanu imafunikanso kuyang'aniridwa pafupipafupi. Pafupifupi, kukonza kumalimbikitsidwa chaka chilichonse kapena pafupifupi mailosi 12,000 aliwonse. Komabe, izi zimatha kusiyana kwambiri kutengera mtundu wagalimoto yomwe muli nayo. Kuti mudziwe zambiri, tikukulangizani kuti muyang'ane zolemba zokonza galimoto yanu.
Mtengo wokonza magalimoto, kukonza matayala ndi kukonza zimadalira garaja yomwe mwasankha. Ndikofunika kufananiza mitengo ndi mavoti kuti mupeze malonda abwino kwambiri agalimoto yanu. Apa ndipamene mungagwiritse ntchito Autobutler kuti mupindule.
Ndi Autobutler, mutha kulandila zinthu monga kukonza magalimoto ndi kusintha matayala kuchokera kumalo ochitira chithandizo chabwino pafupi ndi inu. Mwanjira iyi mutha kufananiza zotsatsa ndikusankha njira yoyenera yagalimoto yanu pamtengo wabwino kwambiri.
Kutsika mtengo kwagalimoto
Kutsika kwamitengo yagalimoto kumasiyana kwambiri kutengera mtundu wagalimoto. Pafupifupi, galimoto yatsopano imataya pafupifupi 20% ya mtengo wake m'chaka choyamba cha ntchito.
Ngakhale pamakhala kutayika kochepa kwamtengo mzaka zotsatila, muyenera kuyembekezera kuti galimotoyo idzatsika ndi pafupifupi 50% pazaka zinayi.
Pansipa mutha kuwona kuchotsera kwapakati pachaka kwagalimoto yatsopano pazaka 5 zoyambirira.
