I-Novat Leasing: Konke odinga ukukwazi

Ukuqashisa okusha kungakongela imali engathi sína.

Izimoto zaziwa ngokuthi zithengwa okwesibili ngobukhulu iningi lethu elizenzayo ezimpilweni zethu futhi ingenye yezinto ezimbalwa kakhulu esizimisele ukungena ngazo ezikweletini ezinkulu, okuyikhona okwenza umqondo wokuqashisa okuthuthukisiwe uthandeke kakhulu uma usutholile. yini.

Yebo, kuzwakala sengathi into umeluleki wakho wezezimali aqala ukukhuluma ngayo ngaphambi kokuba ulale, kodwa iqiniso liwukuthi ingakukhulula ngempumelelo ubuhlungu bokuba nemoto kanye nengxenye yayo.

Emhlabeni okahle, ungafinyelela imoto oyifunayo futhi ungayikhokhi lutho, kodwa awuyena umlingo noma usaziwayo, ngakho-ke ukuqashwa okudabukisayo okunganciphisa inani lemali ephuma ephaketheni lakho futhi ikubeke. ezimotweni ezintsha ezicwebezelayo kaningi.

Kuyini isivumelwano sokuvuselela?

Empeleni, ukuqashisa okuyisisekelo kuhilela inkampani yangaphandle elula nenenzuzo ngokwezezimali esivumelwaneni sokuthenga imoto, lapho umqashi wakho ekujoyina kanye nomthengisi ohlotsheni "lomphathi wemoto". Nakuba lokhu kungakongela imali ngokuhamba kwesikhathi, kulukhuni ukukutholela ekuqaleni ngoba ucelwa ukuthi ukhokhele into ongeke ube nayo. Ngakho-ke ingxenye "yokuqasha".

Ngakolunye uhlangothi, igama elithi "okusha" lizwakala kusolisa, njengokuthile okuhlobene nezintela nama-accountant, futhi liwukuthi; izindaba ezinhle ukuthi ingakusiza ukuthi ufinyelele imali ethile okungenzeka ukuthi ikhokhiswe intela.

Empeleni, isivumelwano sokuqashisa esithuthukisiwe sisho ukuthi umqashi wakho unengxenye esivumelwaneni sakho sokuthenga futhi ikuvumela ukuthi ukhokhele imoto yakho njengengxenye yephakethe lakho lokuhola (elibuye libalondolozele imali ngokunenzuzo) ngokukukhokhela izinkokhelo zemoto yakho ngezindleko zakho zangaphambilini. imali yentela..

Intela yeholo lakho libe selibalwa ngokusekelwe eholweni lakho elincishisiwe, okusho ukuthi unemali engenayo eningi ongayisebenzisa.

Enye ibhonasi yentela ukuthi akumele ukhokhe i-GST ngentengo yokuthenga imoto uma ungayithengi, ukwehlisa izindleko ngamanye amaphesenti ayishumi.

Isebenza kanjani?

Ngokuvamile, uqasha imoto isikhathi esimisiwe - ngokuvamile okungenani iminyaka emibili, kodwa ngezinye izikhathi emithathu noma emihlanu - futhi ngemva kwaleso sikhathi ungakwazi ukuyihweba ukuze uthole imodeli entsha noma usayine isivumelwano esisha sokuqashisa (okusho ukuthi awusoze wakwenza lokho." ungabhajwa nemoto endala noma engasasetshenziswa isikhathi eside), noma uma usuyithanda kakhulu imoto yakho, ungakhokha imali enqunywe kusengaphambili ukuze uyithenge futhi uyigcine.

Lokhu kuvame ukubizwa ngokuthi "inkokhelo yomoya", mhlawumbe ngenxa yokuthi ikhuphukela enanini elikhulu kunalokho obungakholelwa ekuqaleni.

Ukuze uqhathanise ukuqashisa okuthuthukisiwe nendlela evamile yokuthola imali mboleko yemoto kanye nokuthenga nje imoto, cabanga ukuthi imali oyibolekiwe izokhokhwa ngokugcwele kusukela kumadola akho angemva kwentela owathola ku-akhawunti yakho yasebhange masonto onke ngemva kwezintela. isuswe ngesihluku.

Ngerenti ebuyekeziwe, ukhokha kuleyo mali yasetiyetha enkulu ozwe ngayo "njengeholo" lakho, ngakho-ke unemali eningi ongadlala ngayo.

Okufanele ukuqonde ukuthi imoto awuyiqashi noma ungayiboleki, uyayiqasha; ukukhokha imali onayo, kodwa ngempela, uma ufuna, ungalokothi uyikhokhe ngokugcwele, okusho ukuthi ungakwazi ukuphequlula imoto yakho njalo futhi ushintshe izinhlobo, izitayela, osayizi njengoba ufisa.

Umkhulumeli we-KPMG ukuchaze lokhu, mhlawumbe kafushane ngendlela umgcini-mabhuku angakwazi ngayo: “Isivumelwano Sokuqasha Esivuselelwe simayelana nawe, umphakeli wakho wemikhumbi, kanye nomqashi wakho. Lokhu kuvumela umqashi noma ibhizinisi ukuthi liqashe imoto egameni lesisebenzi, isisebenzi, hhayi ibhizinisi, sinesibopho sokukhokha.

“Umehluko phakathi kwezivumelwano zokuqashisa ezivuselelwe kanye nokuxhaswa ngezimali okuvamile ukuthi izinkokhelo zemoto yakho zihlanganisa zonke izindleko zokusebenza futhi zithathwa eshekeni lakho langaphambi kwentela, ngakho kungakhathaliseki ukuthi ukhokha siphi isikali sentela, iyohlala ikhona inzuzo.”

Uma ungumqashi, khona-ke ibhonasi iwukuthi uba umphathi okhanga kakhulu ngokunikeza isisebenzi sakho iphakethe elisha lokuqasha elingakubizi lutho. Lokhu kukwenza ube yilokho inkampani eqashisayo yokuqala iMotorPac ethanda ukukubiza ngokuthi "umqashi ozikhethela yona," okusho ukuthi abasebenzi bakho bazokuthanda futhi bafuna ukuqhubeka bekusebenzela.

Uyonga malini?

Ezinye izinkampani zinikeza isibali esibuyekeziwe sokuqasha imoto esikuvumela ukubala ngokuthe ngqo ukuthi uzokonga malini ngokusekelwe ezintweni eziguquguqukayo ezifana nobude bokuqasha kwakho, iholo lakho, kanye nemoto oyikhethayo.

Kunezibonelo ezithile eziqondile kwamanye amawebhusayithi ukwenza izinto zicace kakhudlwana. U-Adam, 26, ongumpendi wezindlu owenza u-$60,000 ngonyaka, uqashe imoto iminyaka emithathu enebanga elingamakhilomitha angu-20,000 ngonyaka.

Inani langaphambi kwentela yemoto yakhe lingu-$7593.13, okwehlisa imali engenayo ekhokhiswa intela ibe ngu-$52,406.87. Lokhu kwehlisa intela yakhe yonyaka ekhokhwayo isuka ku-$12,247 iye ku-$9627.09, okusho ukuthi imali yakhe engenayo yonyaka manje isingu-$34,825.08 esikhundleni sika-$31,446, okusho ukuthi “inzuzo yakhe entsha” ingu-$3379.

Ephakeme kancane ezilinganisweni, uLisa oneminyaka engu-44 ubudala uqashe iSUV entsha ayisebenzisela umsebenzi nemisebenzi yomndeni iminyaka emithathu ehamba ibanga lika-15,000 90,000 km ngonyaka. Uhola u-$6158.90 ngonyaka, futhi ngemva kokunciphisa imali engenayo ekhokhiswa intela ngenani lemoto yangaphambi kwentela engu-$3019, uthola inzuzo esanda kwethulwa engu-$XNUMX.

Ngokusobala izinombolo ziyahlukahluka kakhulu kuye ngezimo zakho nokuthi imoto ofuna ukuyithola ngaphansi kwesivumelwano sokuvuselela ibiza kangakanani, kodwa izinzuzo zentela zicace bha.

Ingabe kukhona okungalungile?

Yebo, asikho isivumelwano esiphelele, futhi kunezingibe ezingaba khona okufanele uziqaphele lapho uvuselela isivumelwano sokuqashisa. Isibonelo, uma ulahlekelwa umsebenzi, kungase kudingeke uphoqe umqashi omusha ukuthi athathe isivumelwano sokuqashisa esisha, noma kungase kudingeke unqamule isivumelwano sokuqashisa futhi ukhokhe inani elifunekayo, futhi ungase ubhekane nezindleko ezengeziwe.

Ukuqashisa ukuvuselela nakho kuvame ukuza nezinkokhelo zokuphatha, futhi kungenzeka ukhokhe inzalo ephezulu esivumelwaneni sokuqashisa esivuselelwe uma kuqhathaniswa nemali mboleko yezimoto.

Ekugcineni, nakuba kuwukuhlakanipha ukusebenzisa isibali sokubala esibuyekeziwe futhi ubale amanani, kungcono kakhulu ukuxoxa ngokuthola imali yerenti ebuyekeziwe nomgcini-mabhuku wakho, ongakweluleka kangcono ukuthi iyini inzuzo kuwe, kuye ngokuthi intela iyini. lapho ukhona.

Uke wazama ukuqashisa okusha futhi wakusebenzela? Sitshele ngakho kumazwana angezansi.