Indlela yokulondoloza imali lapho uthenga imoto ngokuqashisa

Izingxabano mayelana nokuthi yini enenzuzo enkulu - ukuthenga imoto ngesikweletu noma ngokuqashisa, azizange ziphele kusukela lapho "ibhalisiwe" eRussia. Futhi yize ngaphezulu kuka-50% wezimoto ezintsha zisathengwa kithi ngesikweletu, isibalo sabathengi abaqashisayo siyakhula - sibale cishe u-2019% wokuthengiswa kwezimoto ezintsha ngo-10. Phakathi naleso sikhathi, njengoba ingosi ye-AvtoVzglyad yathola, ukuqashisa kunezinzuzo eziningi ezibalulekile ngaphezu kwemali mboleko.

Ngesikhathi esifanayo, sizokwenza ngokushesha ukubhuka ukuthi ukuqhathanisa lezi zinhlelo ezimbili zokuthenga imoto kuyoba iphutha elikhulu - nakuba, maye, elivame kakhulu - ukucabangela izinga lenzalo nemibandela yokukhokha kuphela. Phela, kubaluleke kakhulu ukuthi izinkampani eziqashisayo, ngokungafani namabhange, zithambile (uma zingakhululekile) ekuhloleni i-solvency yamakhasimende.

Kwanele ukusho lapha ukuthi ngonyaka odlule ababhange benqaba ukukhipha imali mboleko yemoto cishe ku-60% wababoleki abangaba khona, kodwa ekuqashiseni imoto, ukwenqaba okunjalo inani, ngokusho kwezinye izilinganiso, kuya ku-5-10%. Kodwa-ke, lesi simo sibaluleke kakhulu ezinhlanganweni ezisemthethweni: cishe isigamu samabhizinisi amancane naphakathi afuna, kodwa awakwazi ukuthenga imoto ngenxa yemibandela eqinile yasebhange yokunikeza imali mboleko. Nakuba, siphinda, izinzuzo zokuqashisa azikho nje ezilinganisweni zenzalo nemibandela yokukhokha.

Ford Transit ngentengo uhhafu, noma Yonga ezintela

Ukuqashisa, empeleni, ukuqashiswa kwezimali kwezakhiwo, kuyathandeka ezinkampanini ezisemthethweni ngethuba lokungaphambukisi imali enkulu yokusebenza ukuze kuxazululwe izinkinga zenkampani. Ukuqala ukusebenzisa into yokuqashisa, kwanele ukufaka i-5% yenani layo. Ibhalansi yezimali kumphakeli wezinto zokusebenza ikhokhwa umqashisi, ocabangela isihloko sokuqashisa ku-balance sheet ngaphambi kokuphela kwenkontileka (okungakho ukungabikho kwesibambiso ekuqashiseni). Lapho isiqediwe, umqashi wenza inkokhelo eyinsalela (ubuncane - ama-ruble ayi-1000) futhi uthola imoto ngobunikazi, onge intela yeholo kanye ne-VAT.

Ukuze uqonde kangcono ukuthi lokhu kusebenza kanjani, ake sinikeze isibonelo somnikelo wangempela wezohwebo weveni ye-Ford Transit, edume kakhulu eRussia, evela komunye wabaholi ebhizinisini lokuqashisa lasekhaya, i-Gazprombank Avtoleasing. Iklayenti lithenga imoto ngaphansi kwesivumelwano, kucatshangelwa isaphulelo kusukela kumqashisi ruble 2, nge inkokhelo kusengaphambili ruble ayizinkulungwane 100 (415%) kanye nenkontileka isikhathi izinyanga 700, lapho uzokwenza annuity (elinganayo) izinkokhelo. Ngesikhathi esifanayo, lapho kuqedwa isivumelwano sokuqashisa, uzokwazi ukubuyisela intela yentela ekhokhwayo kanye ne-VAT (kokubili - 36,4% ngayinye, noma ama-ruble angu-18). Sekukonke, izindleko zokuthenga iveni yeklayenti zizofinyelela kuma-ruble ayi-20.

Ungasithola kanjani isaphulelo sika-500 ku-BMW X000

Kubathengi bezimoto kwamanye amazwe, izinkampani eziqashisayo zingabathengi bezitolo ezinkulu. Ngalesi sizathu, bahlala bekulungele ukunikeza izaphulelo, ezisakazwa kamuva kubaqashi. Ngokuya ngomkhiqizo nemodeli, osomabhizinisi bangakwazi futhi ukonga kusuka ku-5% kuya ku-20% wentengo yemakethe yemoto, futhi kwezinye izimo ngisho nangaphezulu. Ngokwesibonelo, okufanayo stylish ezemidlalo crossover BMW X6 ingathathwa nge ukonga ruble ayizinkulungwane 434.

Khokha ngesikhathi esivumelana nawe

Ngemva kokuphothulwa kokuthengiselana, izinkokhelo ezikuwo zisatshalaliswa ngamasheya angashintshi kuso sonke isikhathi senkontileka. Zihlanganisa ukukhokhwa kokusetshenziswa kwezimali ezibolekiwe, kanye nokukhokhwa kwesikweletu esiyinhloko. Ngasikhathi sinye, i-solvency yebhizinisi ingahluka, ngokwesibonelo, ngokuya ngesizini yebhizinisi layo. Ekuqashiseni, kunethuba elihle kakhulu lokufaka izinkokhelo zanyanga zonke kusabelomali sebhizinisi ngokukhetha uhlobo olulodwa kwezinhlanu zamashejuli: ukukhokha ngezitolimende ezilinganayo; izinkokhelo zesinyathelo sokwehla; ukwehliswa komuntu ngamunye noma ishejuli yokukhokha yesizini.

Esimweni sokuqala, isabelo senzalo ezinkokhelweni ekuqaleni kokusebenzisa isivumelwano sokuqashisa sikhulu kunasekupheleni, kuyilapho inani lokukhokha lihlala lingashintshiwe. Kwesibili, inani lokukhokha liyancipha nyanga zonke ekupheleni kwesivumelwano sokuqashisa. Kuyinto elula uma ufuna ukugxila, isibonelo, ekwabelweni kwesabelomali senkokhelo yokuhlenga, ikakhulukazi njengoba kulokhu inani lenzalo elikhokhwayo liyancipha. Izinhlobo zesithathu nesine zokukhokha zifana nezinciphayo, umehluko kuphela ukuthi ezinkokhelweni zezinyathelo, umthwalo wehliswa ngezinyathelo, hhayi ngenyanga, futhi amashejuli okwehla komuntu ngamunye adwetshwa ngokuvumelana nezidingo zeklayenti. Kulokhu, amanani azohluka kuye ngesikhathi senkontileka. Futhi, ekugcineni, ohlelweni lwesizini, izinkokhelo ngaphansi kwesivumelwano sokuqashisa zishintshwa ukuze zihambisane nemininingwane yebhizinisi lenkampani, futhi lapha inzuzo yomqashi iyacatshangelwa - iziqongo zayo kanye nokuwa. Le ndlela ingase isebenze ezinhlanganweni zokwakha noma izinkampani ezithutha izimpahla zonyaka.

Umbuso uzosiza

Ukuze kusekelwe imboni yezimoto yasekhaya (futhi namuhla cishe i-85% yazo zonke izimoto ezithengiswayo zihlangene ezweni lethu), umbuso uye wasungula isethi yezinyathelo zokusekela. Enye yazo wuxhaso lokuqashisa izimoto. Ngakho-ke, ngo-2019, amabhizinisi amancane naphakathi nendawo abambe iqhaza ohlelweni loMnyango Wezimboni Nezohwebo ahlinzekwa ngabaqashi ngesaphulelo esingu-12,5% ​​ekukhokheleni kusengaphambili. Inani layo eliphezulu lifinyelele kuma-ruble ayizinkulungwane ezingu-625. Ukwesekwa kwebhizinisi kuzoqhubeka ngo-2020: ngoFebhuwari, uMnyango Wezimboni Nezohwebo kulindeleke ukuthi unqume uhlu lwababambiqhaza bohlelo. Nokho, ukonga lapho uthenga izimoto ngokuqashisa akugcini lapho.

Cherry ekhekheni

Futhi-ke, ukunikeza okuthandayo ukuqasha, akufanele sikhohlwe ukuthi emncintiswaneni omkhulu namabhange afanayo, izinkampani eziqashisayo zizohlale zinikeza izimo ezikhethekile. Isibonelo, i-Gazprombank Autoleasing inesephulelo esengeziwe esingu-2% enkokhelweni yokuhlenga, inqobo nje uma kungekho ukubambezeleka kwezinkokhelo. Futhi kwamanye amamodeli ezimoto, ngaphakathi kohlaka lokukhushulwa kwamanje, amakhasimende azohlala enikezwa isivumelwano se-CASCO ne-OSAGO njengebhonasi ngonyaka wokuqala wokusebenzisa impahla eqashisiwe (eminye iminyaka ingabuye iqinisekiswe ngokushesha ngokufaka izindleko zezinqubomgomo ku- izinkokhelo zanyanga zonke ukuze zingaphambukisi ukheshi ekusatshalalisweni). Umphumela uba ukonga kwezindleko okubalulekile.

supereconomy

Ngendlela, bambalwa abantu abazi ukuthi namuhla kungenzeka ukuqasha hhayi kuphela entsha, kodwa futhi imoto esetshenzisiwe, ngaleyo ndlela ulondoloze amanani abalulekile. Akuyona imfihlo ukuthi imoto entsha ephuma esikhungweni sokudayisa ivele ilahlekelwe ngamanani angu-20%. Futhi lokhu kuyiqiniso ikakhulukazi esimweni somnotho sanamuhla, lapho ukuthengiswa kwezimoto ezintsha kwehla, futhi ezisetshenzisiwe zikhula. Ngakho-ke, cishe izimoto eziyizigidi ezi-2019 zathengiswa emakethe yesibili ngo-5,5, futhi yonke imoto yesithathu esetshenzisiwe yathengiswa ngohlelo lokuhweba.

Vele, izinkampani eziqashisayo azikwazanga ukulishaya indiva leli qiniso. Yiqiniso, lokhu akusho ukuthi noma iyiphi imoto esetshenzisiwe ingaqashwa. Njengomthetho, iminyaka yemoto ngesikhathi sokuphela kokuthengiselana akufanele idlule iminyaka emithathu, nakuba ukuba khona kwesiqinisekiso salo akudingekile.

"Isidingo sezimoto ezisetshenzisiwe asishintshile futhi asithinteki ngenxa yezomnotho uma siqhathaniswa nezimoto ezintsha, amanani azo aqhubeka nokukhula," uMaxim Agadzhanov, uMqondisi Jikelele weGazprombank Leasing, uphawula ngesimo ngesicelo se-AvtoVzglyad portal. . "Ngasikhathi sinye, uma sikhuluma ngeziphakamiso zethu zokuthengwa kwezimoto ezisetshenzisiwe, inani lemali eyabiwe ngaphansi kwesivumelwano sokuqashisa esisodwa lifinyelela kuma-ruble ayizigidi eziyi-120, futhi inani elincane lokukhokhwa kusengaphambili kwalokhu kuthengiselana kungu-10%, okungenye yezinkomba ezinhle kakhulu emakethe…