Chii chinonzi kukodha motokari mumashoko ari nyore?
Leasing ndeimwe yemhando dzemari masevhisi anowanikwa kune ese ari pamutemo masangano uye vanhu. Nekubatsira kwayo, vanotenga zvinhu zvinodhura: mota kana midziyo yakakosha, zvishandiso zvemabhizinesi, makomputa, real estate.
Mumashoko akapfava, kurenda irendi yenguva refu ine kodzero inotevera yekutenga.
Pawebhusaiti yedu Vodi.su, takatofunga nezve misiyano mikuru pakati pekurenda uye kiredhiti uye takasvika pamhedziso yekuti kukodha kunobatsira zvakanyanya, kunyanya kumabhizinesi nemasangano epamutemo. Kana tikataura nezve mabhenefiti evagari vemo, semuenzaniso, kana uchitenga mota nenzira iyi, saka iripo zvakare, kunyangwe iri shoma.
MuEurope neUnited States, inenge 30 muzana yemotokari dzose inotengwa nerenti, 30 kusvika 60 muzana nechikwereti, uye 40 muzana nemari. MuRussia, nhamba dzakasiyana zvachose kana zvasvika pakutengwa kwemotokari nevanhu:
- chikamu chekurenda chinongova 3 muzana;
- 35-50% (zvichienderana nenharaunda) - pasi pezvirongwa zvakasiyana-siyana zvekwereti;
- 50 muzana yemari.
Ndeupi musiyano uripo pakati pekurenda nerendi nechikwereti?
Misiyano pakati pekurenda nekurenda ishoma, mutsauko chete ndewekuti chibvumirano chekurenda chinopedzwa kweimwe nguva uye mushure mekupera kwayo, muridzi wemba anosungirwa kudzorera mota kumuridzi yakachengeteka uye yakachengeteka.
Chibvumirano chekurenda chinopedzwawo kweimwe nguva yenguva, asi pakupera kwenguva iyi pfuma inova pfuma yakazara yemuroja. Chero bedzi chibvumirano chekurenda chiri kushanda, muridzi wemotokari ari pamutemo ndiye anoripa.
Chakanakira kurenda pamusoro pechikwereti kana kutenga ndechekuti nekusaina chibvumirano chechikwereti kana kubhadhara mari yese kamwechete, unova muridzi akazara weimba yacho uye unosungirwa kuichengeta ichishanda iwe pachako, inyorese zvinoenderana. nemitemo yose, kutenga inishuwarenzi yeOSAGO uye, kana zvichidiwa, yeCASCO.
Nekudaro, kana iwe ukatenga mota pakurenda, saka mudiki anoita zvese izvi. Basa rako nderekugara uchiita mubhadharo wakatsanangurwa muchibvumirano. Kana munhu akatadza kuzadzisa zvaanosungirwa kuti aite, pfuma yake inotorerwa uye anofanira kubhadhara mari yaakange achifanira kubhadhara uye mubereko.
Kurenda kumasangano emutemo
Nhasi muRussia, kukwereta kuri kudiwa zvakanyanya pakati pemasangano epamutemo. Kune akati wandei emakambani akaderera munyika, ivo vanopindirana pakati pemugadziri wemidziyo nemutengi wekupedzisira. Semuenzaniso, kana kambani yechidiki yekuvaka ichida kuzadza zvikepe zvayo nemidziyo - tower cranes, ivhu rollers kana chimwe chinhu - saka nzira yakanaka ndeyekuita chibvumirano chekurenda.
Murevereri achabata mugadziri wekunze kana wepamba, atenge michina inodiwa uye, pasi pezvibvumirano zvekondirakiti, anoiisa pamushandi.
Izvi zvinoisa mberi zvinoverengeka zvinodiwa:
- nguva yekushanda kwebhizinesi pamusika haisi pasi pemwedzi mitanhatu;
- ichangoburwa positive balance.
Ndiko kuti, mubhadhari anofanira kukwanisa kuratidza kuti kambani yake ichaita nezvisungo zvayo. Kune zvakare mapurogiramu akasiyana, asi mamwe acho anoda kuti iwe ubhadhare mari yekutanga, kuronga chibvumirano. Nekudaro, kune zvakare mapurogiramu ayo pfuma inotamiswa pasina kubhadhara pasi uye chibvumirano.
Zvakanakira iyi fomu yekutora ndezvizvi:
- optimization yemutero wemutero - midziyo haina kunyorwa pabalance sheet yebhizinesi;
- accelerated depreciation - takatotaura nezvazvo paVodi.su;
- kuvimbiswa kwehutano;
- inishuwarenzi uye kunyoreswa - zvese izvi zvinoitwa nemutoro.
Kazhinji, chibvumirano chekurenda chinopedzwa kwemakore 1-5, nekubhadhara kwekutanga kwe15 muzana.
Uye zvechokwadi, pane chikamu chekurenda, chinonzi chikamu chekutenda pagore uye chinogona kubva pashanu kusvika ku15 muzana pagore. Zvisinei, pane chirevo pano - chikamu chekutenda chinoderedzwa nekuda kwekugoverazve kwakarurama kwekubhadharwa kwekukosha kweimba. Ndiko kuti, mugore rokutanga unofanira kubhadhara, somuenzaniso, 15%, yechipiri - 10%, yechitatu - 5%. Chero zvazvingava, nyanzvi dzichaverenga zvinhu zvose kuitira kuti mapato maviri echibvumirano agutsikane.
Leasing kuvanhu
Vagariwo zvavo veRussia munguva pfupi yapfuura vakawana mukana wekutenga mota nenzira iyi.
Kune marudzi maviri makuru ekurenda kune vanhu. vanhu:
- nekodzero yekutenga;
- pasina rudzikinuro.
Chibvumirano chinopedzwa kwenguva inosvika makore matatu, nepo mutengi achifanira kusimbisa solvency yake - kuunza chitupa chemari, mutero wekudzoka kana kopi yebhuku rebasa. Kuti upedze chibvumirano, unofanirwa kuita mubhadharo wekutanga - kubva pagumi muzana. Mukuwedzera, mutengi anogona kubhadhara mari yakazara yemotokari munguva pfupi, asi pasina chirango chinotevera.
Kana munhu asingarongi kutenga motokari pamutengo wakasara, ipapo anobhadhara imwe mari mwedzi woga woga, uye pakupera kwechibvumirano, anogona kukodha imwe motokari.
Mari yese inosanganisirwa - inishuwarenzi uye kunyoreswa - inobhadharwa nemubhadharisi, asi inosanganisirwa mumari yemwedzi wega wega. Faindi, mutero uye kugadzirisa zvinobhadharwa nemuridzi. Zvakakoshawo kuziva kuti mari yemotokari inoderera gore negore uye pakupera kwechibvumirano (mushure memakore matatu) kazhinji haisi kupfuura 3% yepakutanga.
Kazhinji, kukweretesa kunopihwa kumotokari, iyo mari inodarika 1 miriyoni rubles, pamwe chete nemarori. Kana iwe ukatenga bhajeti mota, saka hauzonzwa mutsauko wakawanda pakati pekurenda nechikwereti.
Vhidhiyo iyi inopa rumwe ruzivo nezve kurenda uye hurongwa hwemutemo.
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