Ukuxhaswa ngokuzenzekelayo

mali

Iinkampani ezikwicandelo leemoto zisungule isithembiso esitsha esijolise kwiinkampani ezincinci neziphakathi ukuze zikwazi ukwandisa okanye ukuvuselela iinqwelo-mafutha zazo. Ukwahlulahlulwa ziindidi zemodeli kunye nemisebenzi abanokuthi bayiphuhlise: ukusuka kwizithuthi ezikhethekileyo zeshishini ezinje ngeefriji okanye izithuthi ezixhobileyo ukuya kwezona zixhaphakileyo zothutho lwezorhwebo ezimelwe ziiveni ezibonelela ngobugcisa obutsha nje.

Enye into ekufuneka uyithathele ingqalelo ziindlela ezahlukeneyo zemali ezikhoyo ukuze ufumane ezi zithuthi: iikhredithi zakudala, ukuqesha okanye ukuqeshisa. Ewe, inkqubo entsha yerhafu esele ikhona, endaweni yeRhafu yoBhaliso yangoku.

Iinkampani zeemoto zinika oosomashishini kunye nee-SME ithuba lokukhetha phakathi kweendlela ezahlukeneyo zokuxhasa ngemali, ezinjengokuqeshisa (ukurenta kunye nokukhetha ukuthenga), ukuqesha (ukurenta ixesha elide), iikhredithi zakudala okanye intlawulo yokusetyenziswa, ifomula eyenza ukuba kube lula ukulahla yemoto kuloo ndawo, kunye nentlawulo yokugqibela kunye nokuqinisekisa ngexabiso layo lokuthenga kwakhona ngokubhaliweyo.

Inkxaso mali ukuya kuthi ga kwi-100.000 euros

Ngale ndlela, uninzi lwamaziko emali aneekhredithi ezithile zokufumana le mali, enokukuqhubela phambili ukuya kwi-100.000 euro ngexesha lokuhlawula eliphakathi kweminyaka emi-2 kunye nemithandathu, apho unokufumana imali ukuya kuthi ga kwi-6% yexabiso lesithuthi ngeendlela ezimbini, kwelinye icala ukusebenzisa inzala ekubhekiswa kuyo kwi-Euribor kunye ne-100% okanye inzala emiselweyo apho isabelo sakho siza kuhlala singatshintshanga kwaye uyakuhlala uhlawula ngokufanayo, nokuba amazinga enzala ayenyuka okanye awe.

Iikhredithi ezizezakho. Abathengisi ngokwabo banayo le nkonzo yenkxaso mali kwiinkampani, apho bakunika khona imali-mboleko eyimfuneko ukuze ubaqeshe. I-Fiat, umzekelo, isungule oko kubizwa ngokuba yiFormula Formula, inkqubo yokuthenga enezisombululo ezininzi kwiimfuno zakho. Usebenzisa le fomyula unokuthenga isithuthi esithengisayo (iDucato okanye iScudo) ngentlawulo encitshisiweyo yokufumana imali ukuya kwiminyaka emi-3, kunye neminye iminyaka emi-3 yesiqinisekiso kunye nokugcinwa. Ityala leVolkswagen, kwinxalenye yalo, ikwabonelela ngezimali kwizithuthi zenkampani ezinamaxabiso aguquguqukayo kunye neemeko ezenza ukuba kube lula ukuseta iintlawulo zenyanga ukuze zikulungele kunye nokumiswa kwemali ukuya kuthi ga kwiminyaka emihlanu.

Iikhredithi zakudala

iinkozo

Uninzi lweenkampani zeemoto zibonelela ngokubanakho ukubhalisela imali mboleko kwiinkampani kwisebe abalimisele eli candelo lezorhwebo. Ixesha lesivumelwano lihlala ukusuka kwiinyanga ezi-6 ukuya kwezingama-84. Ngale ndlela unokukhetha ixesha elifanelekileyo kwiimfuno zakho kwaye ekuvumela ukuba ufumane iimali mboleko ngoko nangoko kunye neenkqubo ezisisiseko, ngaphandle kwesidingo sokungena kwezithuthi ezitsha, ngenkxaso-mali kunye nendlela yokubhatala ehambelana neemfuno zakho.

Kukho iimali mboleko ezithile ezenzelwe amaqela athile ezabasebenzi, anjengeCitroën Financing, ebonelela ngabantu abaziqeshileyo ngeendlela zemali zokuzikhusela kwinkxaso mali. Kwelinye icala, enye yeemveliso zamva nje ukufikelela kwimarike yinto ebizwa ngokuba yi "CQD ·, inkqubo entsha yokuthenga eguqukayo yakwaNissan apho unokuthatha isigqibo ngokukhululekileyo ekupheleni kwesivumelwano, loluphi ukhetho olulungele wena: tshintsha, hlala okanye ubuyise isithuthi.

yokuqasha

Sisivumelwano semali esivumela ukuba ulahle isithuthi sakho ngokuchasene nokuhlawulwa kwerenti yamaxesha ngamaxesha. Kubandakanya ukhetho lokuthenga ekugqibeleni ixesha ekuvunyelwene ngalo, ukuba ufuna ukugcina isithuthi. Ngale nkqubo unokuqeshisa isithuthi sexesha elide, uhlawula izavenge zenyanga. Ekupheleni kwekhontrakthi, unokukhetha ukubuyisa isithuthi okanye ukusithenga ngenjongo yokuhlawula ixabiso lentsalela ekuvunyelwene ngayo kwisivumelwano. Uyazi kwasekuqaleni ixabiso lokugqibela lesithuthi, ukongeza kukonwabela izibonelelo zoqoqosho kunye nerhafu zalo msebenzi woqoqosho.

Izibonelelo zayo zibandakanya oku kulandelayo:

  • Unokuthenga okanye ukubuyisela ukhetho ekupheleni kwesivumelwano.
  • Unemali ebekiweyo ngexesha lesivumelwano sonke.
  • Awucingi ngokungena kunyanzelekile.
  • Unakho ukuxhasa ngemali lonke utyalomali.
  • Ukutsalwa kwerhafu.
  • Izibonelelo zerhafu xa ufumana ukukhawulezisa ngokukhawuleza.
  • Ungaluxhasa ngemali lonke utyalomali kuba awufuni ngeniso lincinci.

Ukuqesha

Ukurenta (ukuqesha ixesha elide nazo zonke iinkonzo ezibandakanyiweyo) yinkonzo ebanzi egubungela yonke imiba enxulumene nesithuthi. Injongo yayo kukulungiselela ukusetyenziswa kwemoto, hayi ukuthengwa kwayo, kwezona meko zibalaseleyo kunye nenkonzo epheleleyo. Ngenxa yoku, kumrhumo oqingqiweyo wenyanga yerente, ikuvumela ukuba ungakhathazeki ngolawulo lwesithuthi kuba zonke izibonelelo kunye neenkonzo zibandakanyiwe.

Bafumana uthotho lweerhafu kunye nezibonelelo zobalo, phakathi kwazo oku kulandelayo:

  • Ikuvumela ukuba wazi iindleko ngokuchanekileyo.
  • Akukho bungozi kwezoqoqosho ngokwexabiso lentsalela, okanye kwiindleko zazo zonke iinkonzo ezongeziweyo (ukulungiswa, ukugcinwa, uncedo ...)
  • Akukho nkxaso-mali yeVAT.
  • Akukho mngcipheko wokufunwa kwerhafu.
  • Akukho phantsi kwemiqathango yokuhlawulwa kwemali eyamkelweyo.

Ngawaphi amanyathelo ekufuneka uwathathile?

amanyathelo

Khetha uhlobo lwemali olulungele iimfuno zakho.

Bala imirhumo ngesimulator ngesixa osifunayo.

Faka isicelo senkxaso mali kunye nenkampani okanye amaziko owakhethileyo.

Funda ikhontrakthi ngononophelo ukuze ungathathi nantoni na engalindelekanga kwinqanaba lenzala oza kuhlawula ngalo okanye iikhomishini oza kuzihlawula.

Ezinye iinkampani zikuvumela ukuba uziqeshe kwi-intanethi.

Kwaye, ekugqibeleni, ungaya kwiziko lakho lezemali apho unokufumana imali mboleko phantsi kweemeko ezikhethiweyo.

Irhafu

Izithuthi zorhwebo ezilula kunye nezomzi mveliso ziya kukhululwa kwinto ekuthiwa yirhafu eluhlaza, endaweni yeRhafu yoBhaliso yangoku, kwaye iya kuhlawuliswa kuphela iVAT.

Kukho ukuncitshiswa kwi-IS yokufumana isithuthi esivelisayo esihlangabezana neempawu zokusingqongileyo ezingekanyanzelekanga.

Oku kuncitshiswa, ukusuka ekuqalisweni kokusebenza kokulungiswa kwe-IS, kuya kuncitshiswa de kube kunyamalale ngokupheleleyo ngolu hlobo lulandelayo:

Ukutsalwa okulawulwe kumanqaku angama-36, amacandelo 4, 5 no-6 kwinqaku 38, amanqaku 39, 40 no-43 alo mthetho, kuya kugqitywa ngokuphindaphinda iipesenti ezitsalwayo ezisekwe kula manqaku ngala manani alandelayo:

0.8, kumaxesha erhafu aqala ngoJanuwari 1, 2007.

0.6, kumaxesha erhafu aqala ngoJanuwari 1, 2008.

0.4, kumaxesha erhafu aqala ngoJanuwari 1, 2009.

0.2, kumaxesha erhafu aqala ngomhla okanye emva kukaJanuwari 1, 2010

Izibonelelo zerhafu kwimisebenzi yokuqeshisa neyokuqesha:

  • Ukutsalwa kwerhafu.
  • Izibonelelo zerhafu xa ufumana ukukhawulezisa ngokukhawuleza.
  • Akukho nkxaso-mali yeVAT.
  • Akukho mngcipheko wokufunwa kwerhafu.
  • Akukho phantsi kwemiqathango yokuhlawulwa kwemali eyamkelweyo.

Ukunikezelwa kwezithuthi

nikela

Ukwandisa izithuthi zenkampani yakho, ungathatha ithuba lesibonelelo esibanzi sokuba neenkampani zeemoto kwintengiso yazo. Uninzi lweemveliso zineemoto zorhwebo nezamashishini (iCitroën, iFiat, iFord, iVolkswagen, iRenault, iNissan, phakathi kwezona ziphambili) ezinokusetyenziselwa imisebenzi eyahlukeneyo enenkampani yakho. Ngenxa yoko, unokuzifumana usiya kwiivenkile zesintu ukuya kwizithuthi ezizodwa ngokuxhomekeke kwimisebenzi oyenzayo.

Phakathi kwesithembiso esiboniswa licandelo lezithuthi, iimodeli ezizodwa zibalasele. Enye yazo zizithuthi ezihamba nomzimba onomzimba owakhiwe ngeendonga zokwambathisa, kubandakanya iingcango zomgangatho kunye nophahla, ezivumela ukunciphisa ubushushu. Enye into eyahlukileyo imelwe zizikhenkcisi, izithuthi ezihamba ngesanti efriziweyo, ngoncedo lomthombo obandayo ngaphandle kwezixhobo zoomatshini okanye zokufunxa, ezivumela ubushushu ukuba bube phantsi kwaye bugcinwe; iifriji ezixhotyiswe ngesixhobo sokuvelisa ukubanda, kwaye oko kukuvumela ukuba wehlise iqondo lobushushu ngaphakathi kwebhokisi kwaye uligcine kumaxabiso asisigxina kunye neekhalori ezinikezelwe ngesixhobo sokuvelisa ubushushu, ekuvumela ukuba unyuse ubushushu ngaphakathi kwebhokisi kwaye uyigcine kumaxabiso rhoqo.

Le yeminye yemizekelo yento ecetywa licandelo kulo nyaka mtsha, kodwa uphawu ngalunye luthe lwahlulwa ngokweendlela zalo zorhwebo. Ngaphandle kwamathandabuzo, iiveni ziyaqhubeka ukuba zezona zibalulekileyo kwintengiso kumacandelo oshishino, nangona kule minyaka idlulileyo izithuthi ezigubungela phantse yonke imisebenzi yobungcali ziye zathengiswa ngempumelelo enkulu. Ezi zezintsha ezenziwa ziimpawu eziphambili zamanye amazwe zexesha elitsha.

Iingcebiso zokuthatha isigqibo

Khangela phakathi kwesibonelelo sonke semodeli ehlangabezana neemfuno zakho zokwenyani njengosomashishini, hayi ngaphezulu kwento oyifunayo okanye engaphantsi kwento oyifunayo.Thelekisa phakathi kweemodeli ezahlukeneyo, ukhethe leyo ibonelela ngezibonelelo ezilungileyo. Isithuthi ngasinye Ukusukela kwimisebenzi abanokuba nayo, nangona ungayidingi okwangoku, unokuyifuna kwixesha elizayo.Ungazinza kuluvo lwengcali yezothutho enokukunceda ukhethe eyona modeli ifanelekileyo umdla.

Jonga abo bafikayo kwimarike, nangona yona ibiza kakhulu, ikwayeyona igqibelele kwaye inenkqubela phambili kwezobuchwephesha. Ukuba zizithuthi zokuhambisa abantu kufuneka ucace gca malunga neyona ndawo uza kuhlala kuyo Sele kukho olu didi lwezithuthi lwahluka kakhulu kuxhomekeka kubungakanani bazo, ngokuchaseneyo, ukuba ukhetho lwakho yiveni kufuneka uyazi ukuba isithembiso sibanzi kakhulu, ke kubalulekile ukuba ngaphambi kokuba uthenge uyazi ukuba yeyiphi imisebenzi okanye umthwalo owufunayo Kwizithuthi zeshishini, eyona nto ifanelekileyo kukuba uye kumthengisi ucebise ngokufanelekileyo, kuba iimpawu zezi moto zifuna iindlela zobungcali.

Nangona ungaya kwimarike yesibini ukuze wandise izithuthi zakho, eyona nto isengqiqweni kukuba ufumana isithuthi ngeendlela ezintsha eziza kwintengiso. Ngokomgaqo zibiza kakhulu kodwa ekuhambeni kwexesha uza kukwazi ukuzihlawula ngokufanelekileyo Kwaye, ekugqibeleni, yenza ukubala ukuze ubone ukuba yeyiphi eyona mali ibalaseleyo kwimidla yakho, elilixesha lokuhlawula elilungele iimfuno zakho kunye nomdla oya kuthi ukuhlawula ityala kwiinyanga ezimbalwa ezizayo.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
  5. Ukugcinwa kweenkcukacha
  6. Amalungelo: Ngalo naliphi na ixesha unganciphisa, uphinde uphinde ucime ulwazi lwakho.