Izinkampani ezisemkhakheni wezimoto sezethule isithembiso esisha esibhekiswe ezinkampanini ezincane neziphakathi nendawo ukuze zikwazi ukwandisa noma ukuvuselela izimoto zazo. Ihlukaniswa yizinhlobonhlobo zamamodeli nemisebenzi abangayithuthukisa: kusuka ezimotweni ezikhethekile zezimboni ezinjengeziqandisi noma izimoto ezihlomile kuya kwezivame kakhulu ezokuthutha ezentengiselwano ezimelwe ngamaveni ahlinzeka ngezinto ezintsha zobuchwepheshe.
Esinye isici okufanele usicabangele yizinhlobo ezahlukahlukene zezezimali ezikhona ukuthola lezi zimoto: izikweletu zakudala, ukuqasha noma ukuqashisa. Futhi-ke, uhlelo olusha olukhona lwentela, olungena esikhundleni sentela yamanje yokubhalisa.
Izinkampani zezimoto zinikeza osomabhizinisi nama-SME ithuba lokukhetha phakathi kwezindlela ezahlukahlukene zokuxhasa ngezimali, njengokuqashisa (ukuqasha ngenketho yokuthenga), ukuqasha (ukuqasha isikhathi eside), amakhredithi akudala noma inkokhelo yokusetshenziswa, ifomula elenza kube nokwenzeka ukulahla yemoto khona lapho, ngesitolimende sokugcina futhi iqinisekisa ngokubhalwa kwayo kokuthengwa kwesikhathi esizayo.
Ukuxhaswa ngemali okufika kuma-euro angama-100.000
Ngale ndlela, izikhungo eziningi zezezimali zinamakhredithi athile wokuthola le mali, engakuthuthukisela kuma-euro ayi-100.000 esikhathini sokukhokha esiphakathi kweminyaka emi-2 nengu-6, lapho ungakhokhela kuze kufike ku-100% wenani lemoto ngokusebenzisa izindlela ezimbili, ngakolunye uhlangothi kusetshenziswa inani lenzalo elibhekiswe ku-Euribor kanye no-1% noma inani lenzalo elingaguquki lapho imali yakho izohlala ingashintshi futhi uzohlala ukhokha ngokufanayo, kungakhathalekile ukuthi inzalo iyavuka noma yehle.
Amakhredithi angawakho. Abathengisi uqobo lwabo banayo le nsizakalo yezimali yezinkampani, lapho bakunikeza khona imalimboleko edingekayo ukuze uziqashe. I-Fiat, ngokwesibonelo, yethule lokho okuthiwa yi-Professional Formula, uhlelo lokuthenga olunezisombululo eziningi zezidingo zakho. Usebenzisa le fomula, ungathenga imoto yezentengiselwano (iDucato noma ibanga leScudo) ngemali encishisiwe yezezimali yeminyaka emi-3, neminye iminyaka emi-3 yewaranti nokunakekelwa. IVolkswagen Credit, nayo, inikela ngezimali zezimoto zenkampani ezinamanani nezimo eziguquguqukayo ezenza kube nokwenzeka ukusetha izitolimende zanyanga zonke ezikufanelayo kanye nokuhlehliselwa isikhathi seminyaka emihlanu.
Izikweletu zakudala
Iningi lezinkampani zezimoto linikela ngamathuba okubhalisela imali ebolekelwe izinkampani ngomnyango abazimisele le ngxenye yezentengiso. Isikhathi senkontileka ngokuvamile sivela ezinyangeni eziyisithupha kuya kwezingu-6. Ngalesi simo ungakhetha isikhathi esivumelana nezidingo zakho futhi esivumela ukuthi uthole imali mboleko khona manjalo ngezinqubo ezisezingeni eliphansi, ngaphandle kwesidingo sokungena kwezimoto ezintsha, ngezimali nangendlela yokukhokha ehambelana nezidingo zakho.
Kunemalimboleko ethize eqondiswe emaqenjini athile abasebenzi, njengeCitroën Financing, enikeza abazisebenzelayo izindlela zezimali zokuzivikela ekuxhasweni kwezezimali. Ngakolunye uhlangothi, omunye wemikhiqizo yakamuva ukufinyelela emakethe yilokho okubizwa nge- “CQD ·, uhlelo olusha lokuthenga oluguquguqukayo lakwaNissan lapho unganquma ngokukhululeka khona ekugcineni kwenkontileka, ukuthi iyiphi inketho ekufanele kakhulu: shintsha, hlala noma ubuyise imoto.
yokuqasha
Kuyisivumelwano sezezimali esivumela ukuthi ulahle imoto yakho uma ungakhokhi irenti yezikhathi ezithile. Kufaka inketho yokuthenga ekugcineni kwesikhathi esivunyelwene ngaso, uma kwenzeka ufuna ukugcina imoto. Ngalesi simiso ungaqasha imoto yesikhathi eside, ukhokhe izitolimende ezikahle zanyanga zonke. Ekupheleni kwenkontileka, ungakhetha futhi phakathi kokubuyisa imoto noma ukuyithenga ukuze ukhokhele inani eliyinsalela okuvunyelwene ngalo kwinkontileka. Uyazi futhi kusukela ekuqaleni inani lokugcina lemoto, ngaphezu kokujabulela izinzuzo zezomnotho nezentela zalo msebenzi wezomnotho.
Izinzuzo zayo zifaka okulandelayo:
- Unenketho yokuthenga noma yokubuyisa ekugcineni kwenkontileka.
- Unemali ebekiwe phakathi nenkontileka yonke.
- Awucabangi noma yikuphi ukufakwa okuncane okuphoqelekile.
- Ungakhokhela lonke utshalomali.
- Kudonswa intela.
- Izinzuzo zentela lapho uthola inani elisheshayo.
- Ungakhokhela lonke utshalomali ngoba awudingi ukungena okuncane.
Ukuqasha
Ukuqasha (ukuqasha isikhathi eside nazo zonke izinsizakalo ezifakiwe) kuyinsizakalo ebanzi ehlanganisa zonke izici eziphathelene nemoto. Inhloso yalo ukwenza lula ukusetshenziswa kwemoto, hhayi ukuthengwa kwayo, ezimeni ezihamba phambili futhi nensizakalo ephelele kakhulu. Ngenxa yalokhu, ngemali ekhokhwayo yanyanga zonke yokuqasha, ikuvumela ukuthi ungakhathazeki ngokuphathwa kwemoto ngoba zonke izinzuzo nezinsizakalo zifakiwe.
Bathola uchungechunge lwezinzuzo zentela neze-accounting, phakathi kwazo okulandelayo:
- Ikuvumela ukuthi wazi izindleko ngokunembile.
- Akunabungozi kwezomnotho ngokwenani eliyinsalela, noma ngezindleko zazo zonke izinsizakalo ezingeziwe (ukulungiswa, ukunakekelwa, usizo ...)
- Ayikho imali ye-VAT.
- Ayikho ingozi yokufunwa kwentela.
- Akukhonjelwe kwimigomo yokukhokha evunyelwe ngokwezimali.
Yiziphi izinyathelo okufanele uzithathe?
Khetha uhlobo lwezezimali oluvumelana kangcono nezidingo zakho.
Bala izimali nge-simulator ngenani olidingayo.
Faka isicelo sokuxhaswa ngezimali nenkampani noma izinhlangano ozikhethile.
Funda inkontileka ngokucophelela ukuze ungacabangi noma yiziphi izimanga ezingathandeki lapho kubhekwa inani lenzalo oyolikhokha noma amakhomishini ozowakhokha.
Ezinye izinkampani zikuvumela ukuthi uziqashe online.
Futhi, ekugcineni, ungaya esikhungweni sakho sezezimali lapho ungathola khona imali mboleko ngaphansi kwezimo ezikhethwayo.
Intela
Izimoto ezilula zokuhweba nezimoto zezimboni ngeke zikwazi ukukhokhiswa intela ebizwa ngokuthi yi-green tax, engena esikhundleni seNtela Yokubhalisa yamanje, futhi izokhokhiswa i-VAT kuphela.
Kukhona okudonswayo ku-IS okutholakala ngemoto yezimboni ehlangabezana nezimpawu zemvelo ezingakaphoqelelwa.
Lokhu kudonswa kwemali, kusukela ekuqaleni kokuguqulwa kwe-IS, kuzoncishiswa kuze kube yilapho kunyamalala ngokuphelele kanje:
Ukukhishwa okulawulwa kuzindatshana 36, izigaba 4, 5 no-6 ku-athikili 38, izindatshana 39, 40 no-43 zalo Mthetho, kuzonqunywa ngokuphindaphinda amaphesenti okudonswa asungulwe kuma-athikili athi yi-coefficient elandelayo:
0.8, ngezikhathi zentela eziqala ngoJanuwari 1, 2007.
0.6, ngezikhathi zentela eziqala ngoJanuwari 1, 2008.
0.4, ngezikhathi zentela eziqala ngoJanuwari 1, 2009.
0.2, ngezikhathi zentela eziqala noma ngemuva kukaJanuwari 1, 2010
Izinzuzo zentela ekusebenzeni kokuqashisa nokuqasha:
- Kudonswa intela.
- Izinzuzo zentela lapho uthola inani elisheshayo.
- Ayikho imali ye-VAT.
- Ayikho ingozi yokufunwa kwentela.
- Akukhonjelwe kwimigomo yokukhokha evunyelwe ngokwezimali.
Ukunikezwa kwemoto
Ukukhulisa izimoto zezimoto zenkampani yakho, ungasebenzisa ngokunenzuzo ukunikezwa okubanzi izinkampani zezimoto ezinakho emakethe. Imikhiqizo eminingi inezimoto ezentengiselwano nezezezimboni (iCitroën, iFiat, iFord, iVolkswagen, iRenault, iNissan, phakathi kwezinto eziphambili) ezingasetshenziselwa imisebenzi ehlukahlukene inkampani yakho enayo. Ngenxa yalokho, ungazithola usuka kumaveni wendabuko uye ezimotweni ezikhethekile ngokuya ngomsebenzi owenzayo.
Phakathi kokunikezwayo okulethwa umkhakha wezimoto, amamodeli akhethekile kakhulu ayabonakala. Enye yazo yizimoto ezi-isothermal umzimba wazo owakhiwe ngezindonga ezivimbayo, kufaka phakathi iminyango yaphansi nophahla, evumela ukunciphisa ukushintshana kokushisa. Okunye okuhlukile kumelwe yiziqandisi, izimoto ezi-isothermal okuthi, ngosizo lomthombo obandayo ngaphandle kwemishini yokulungiselela noma yokumunca, zivumela ukuthi izinga lokushisa lehliswe futhi ligcinwe; amafriji ahlonyiswe ngedivayisi yokukhiqiza amakhaza, futhi lokho kukuvumela ukuthi wehlise izinga lokushisa ngaphakathi kwebhokisi futhi ukuligcine kumanani e-calorific njalo anikezwe nedivayisi yokukhiqiza ukushisa, okukuvumela ukuthi ukhuphule izinga lokushisa ngaphakathi kwebhokisi futhi uyigcine kumanani ahlala njalo.
Lezi ngezinye zezibonelo zalokho okuphakanyiswa yilo mkhakha kulo nyaka omusha, kepha umkhiqizo ngamunye unokunikezwa okuhlukanisiwe ngokuya ngezindlela zawo zokuhweba. Ngaphandle kokungabaza, amaveni aqhubeka nokuba yizona zinto ezidayiswayo emkhakheni wezamabhizinisi, yize eminyakeni yamuva nje izimoto ezihlanganisa cishe yonke imisebenzi yobungcweti sezimakethwe ngempumelelo enkulu. Lezi yizinto ezintsha ezenziwe yimikhiqizo eyinhloko yamazwe omhlaba yesizini entsha.
Amathiphu wokunquma
Sesha phakathi kokunikezwayo konke ngemodeli ehlangabezana nezidingo zakho zangempela njengosomabhizinisi, kungabi ngaphezu kwalokho okudingayo noma okungaphansi kwalokhu okudingayo. Qhathanisa phakathi kwamamodeli ahlukahlukene, ukhethe leyo enikeza izinzuzo ezinhle kakhulu. Hlaziya ngokucophelela izici imoto ngayinye Njengoba eminye imisebenzi engaba nayo, yize ungayidingi okwamanje, ungayifuna ngokuzayo. Ungazibeka embonweni wesazi sezokuthutha ongakusiza ukhethe imodeli efaneleke kakhulu izintshisekelo.
Bheka abafika kamuva emakethe, okuthi yize kubiza kakhulu, kodwa futhi baphelele kakhulu futhi banentuthuko yezobuchwepheshe yakamuva.Uma kuyizithuthi zokuhambisa abantu kumele ucacise ngokuhlalwa okuphezulu ozoya kukho Sivele sinalo lolu hlu lwezimoto oluhluka kakhulu kuye ngamandla alo, kunalokho, uma ukhetha iveni kufanele wazi ukuthi okunikezwayo kubanzi kakhulu, ngakho-ke kuyadingeka ukuthi ngaphambi kokuthenga kwakho wazi ukuthi yimiphi imisebenzi noma umthwalo owudingayo Ezimoto zezimboni, okuhle ukuya kumthengisi weluleke kahle, ngoba izici zalezi zimoto zidinga izindlela ezihamba phambili zobungcweti.
Yize ungaya emakethe yamasekeni ukuze wandise izimoto zakho, into enengqondo kunazo zonke ukuthi uthola imoto ngohlobo olusha oluzayo emakethe. Empeleni zibiza kakhulu kepha ngokuhamba kwesikhathi uzokwazi ukuzilinganisela ngokwanele Futhi, ekugcineni, yenza izibalo ukunquma ukuthi iyiphi imali engcono yezintshisekelo zakho, okuyigama lokukhokha elifanela izidingo zakho kanye nentshisekelo ozoyibiza ukweleta imali ezinyangeni ezimbalwa ezizayo.