Maitiro ekuchengetedza mari kana uchitenga mota pamubhadharo

Kukakavadzana pamusoro pezvinobatsira zvikuru - kutenga motokari nechikwereti kana pakubhadhara, hazvina kupera kubva kune iyo yekupedzisira "yakanyoreswa" muRussia. Uye kunyangwe anopfuura makumi mashanu muzana emota nyowani dzichiri kutengwa kubva kwatiri nechikwereti, huwandu hwevateveri vekurenda huri kukura zvakare - yakaverengera ingangoita gumi muzana yekutengesa kwemotokari nyowani muna 50. Zvichakadaro, sezvakaonekwa neAvtoVzglyad portal, kukwereta kune akati wandei mabhenefiti akakosha pane zvikwereti.

Panguva imwecheteyo, isu tichaita nekukurumidza kuchengetedza kuti kuenzanisa zvirongwa zviviri izvi zvekutenga mota ichava chikanganiso chikuru - kunyangwe, nhamo, yakajairika - kufunga chete mubereko uye mazwi ekubhadhara. Mushure mezvose, zvakakoshawo kuti makambani ekurenda, kusiyana nemabhangi, ane hunyoro (kana asina kusununguka) mukuongorora kugadzirisa kwevatengi.

Zvakwana kutaura pano kuti gore rakapera vemabhanga vakaramba kuburitsa zvikwereti zvemotokari kunenge 60% yevanogona kukwereta, asi mumotokari yekurenda kurambwa kwakadaro chiyero, maererano nedzimwe fungidziro, kusvika 5-10%. Nenzira, mamiriro ezvinhu aya anonyanya kukosha kune masangano epamutemo: inenge hafu yemabhizimisi maduku uye epakati-kati anoda, asi haagoni, kutenga motokari nekuda kwemamiriro akaoma ebhangi ekupa chikwereti. Kunyangwe, isu tinodzokorora, zvakanakira zvekurenda hazvisi chete mumari yemubereko uye mazwi ekubhadhara.

Ford Transit nehafu mutengo, kana Chengetedza pamitero

Kurenda, kuve, kutaura zvazviri, chibvumirano chemari chezvivakwa, chinokwezva kune masangano epamutemo nemukana wekusatsausa mari yakakosha yekushanda kugadzirisa matambudziko ekambani. Kutanga kushandisa chinhu chekurenda, zvakakwana kuisa 5% yekukosha kwayo. Chiyero chemari kumutengesi wemidziyo inobhadharwa nemutoro, iyo inofunga nezvenyaya yekurenda pabalance sheet isati yapera chibvumirano (saka kusavapo kwechibatiso mukurenda). Pakupera kwayo, muridzi wemari anoita mubhadharo wakasara (zvishoma - 1000 rubles) uye anogamuchira mota mumuridzi, kuchengetedza pamutero wemari uye VAT.

Kuti tinzwisise zviri nani kuti izvi zvinoshanda sei, ngatipei muenzaniso wekupihwa kwechokwadi kwekutengesa kweFord Transit van, iyo inonyanya kufarirwa muRussia, kubva kune mumwe wevatungamiriri mubhizinesi rekurenda remba, Gazprombank Avtoleasing. Mutengi anotenga mota pasi pechibvumirano, achifunga nezvekuderedzwa kubva kumudiki we2 rubles, nekubhadhara kumberi kwe100 zviuru rubles (415%) uye kondirakiti yemwedzi gumi nemasere, panguva yaachaita annuity (yakaenzana) kubhadhara. Panguva imwecheteyo, pakupera kwechibvumirano chekurenda, achakwanisa kudzorera mutero wakabhadharwa wemari uye VAT (zvose - 700% imwe neimwe, kana 36,4 rubles). Pakazara, mutengo wekutenga kombi yemutengi uchasvika 18 rubles.

Nzira yekuwana sei 500 discount paBMW X000

Kune vanotenga mota kunze kwenyika, makambani anorenda anotenga mahosesale. Nechikonzero ichi, vanogara vakagadzirira kupa zvidzikiso, izvo zvinozotepfenyurwa kune varidzi. Zvichienderana nemhando uye modhi, mabhizinesi anogona kuwedzera kubva pa5% kusvika 20% yemutengo wemusika wemota, uye mune dzimwe nguva zvakatonyanya. Semuenzaniso, iyo yakafanana yemitambo crossover BMW X6 inogona kutorwa nekuchengetedza kusvika ku434 zviuru rubles.

Bhadhara paunokunakira

Mushure mekupera kwekutengeserana, kubhadhara pairi kunogoverwa muzvikamu zvakagadziriswa kwenguva yose yekontrakiti. Zvinosanganisira kubhadhara kwekushandiswa kwemari yakakweretwa, pamwe nekubhadhara kwechikwereti chikuru. Panguva imwecheteyo, iyo solvency yebhizinesi inowanzosiyana, semuenzaniso, zvichienderana nemwaka webhizinesi rayo. Mukubhadhara, pane mukana wakakura wekupinda mubhadharo wemwedzi wega wega mubhajeti rekambani nekusarudza imwe yemhando shanu dzehurongwa: kubhadhara muzvikamu zvakaenzana; kuburuka mubhadharo danho rekubhadhara; kuderera kwemunhu kana hurongwa hwekubhadhara mwaka.

Muchiitiko chekutanga, chikamu chekufarira mubhadharo pakutanga kwekushandisa chibvumirano chekurenda chakakura kupfuura pamagumo, nepo mari yekubhadhara inoramba isingachinji. Mune yechipiri, mari yekubhadhara inoderera pamwedzi pakupera kwechibvumirano chekurenda. Izvo zviri nyore kana iwe uchida kutarisa, semuenzaniso, pabhajeti rekubhadhara kwekudzikinura, kunyanya sezvo muchiitiko ichi mhindu yakabhadharwa inoderedzwa zvakare. Mhando yechitatu neyechina yekubhadhara yakafanana nekuderera, nemusiyano chete ndewekuti mubhadharo wenhanho, mutoro unoderedzwa mumatanho, uye kwete mwedzi wega wega, uye mapurogiramu ega ega anodhindwa maererano nezvinodiwa nemutengi. Muchiitiko ichi, mari yacho ichasiyana zvichienderana nenguva yekondirakiti. Uye, pakupedzisira, muhurongwa hwemwaka, kubhadhara pasi pechibvumirano chekurenda kunogadziriswa kune zvakananga zvebhizinesi rekambani, uye pano kubatsirwa kwemuridzi kunotariswa - kukwirira kwayo nekudonha. Iyi nzira inogona kunge yakakosha kumasangano ekuvaka kana makambani anotakura zvinhu zvemwaka.

Nyika ichabatsira

Kuti titsigire indasitiri yemotokari yemumba (uye nhasi ingangoita 85% yemotokari dzese dzakatengeswa dzakaungana munyika yedu), nyika yakagadzira seti yekutsigira matanho. Imwe yacho irubatsiro rwekurejesa mota. Saka, muna 2019, mabhizinesi madiki nepakati ari kutora chikamu muchirongwa cheMinistry of Industry and Trade akapihwa nevashoma vane 12,5% ​​discount pamubhadharo wepamberi. Kukura kwayo kwakasvika 625 zviuru rubles. Rutsigiro rwebhizinesi ruchaenderera mberi muna 2020: muna Kukadzi, iyo Ministry of Industrial and Trade inotarisirwa kuona rondedzero yevatori vechikamu. Nekudaro, iyo mari yekuchengetera kana uchitora mota pakurojesa haigumire ipapo.

Cherry pakiki

Uye, hongu, kupa kufarira kukwereta, hatifanire kukanganwa kuti mumakwikwi akanyanya nemabhangi mamwe chete, makambani ekurenda anogara achipa akakosha mamiriro. Semuenzaniso, Gazprombank Autoleasing ine imwezve 2% kuderedzwa pamubhadharo wekudzikinura, zvakapihwa kusavapo kwekunonoka mubhadharo. Uye kune mamwe mamodheru emota, mukati megadziriro yekusimudzira kuripo, vatengi vachagara vachipihwa chibvumirano cheCASCO neOSAGO sebhonasi mugore rekutanga rekushandisa iyo yakakoswa asset (mamwe makore anogona zvakare kupihwa inishuwarenzi nekukurumidza nekubatanidza mutengo wemitemo mu kubhadhara pamwedzi kuitira kuti usatsausa mari kubva mukutenderera). Mhedzisiro inodhura mari yekuchengetedza.

Super economy

Nenzira, vanhu vashomanana vanoziva kuti nhasi zvinokwanisika kukwereta kwete chete itsva, asiwo motokari yakashandiswa, nokudaro kuchengetedza mari yakawanda. Haisi chakavanzika kuti mota nyowani inosiya nzvimbo yekutengesa inongorasikirwa ne20% mumutengo. Uye izvi zvinonyanya kuitika mumamiriro ehupfumi emazuva ano, apo kutengesa kwemotokari itsva kuri kuwira, uye kushandiswa kuri kukura. Saka, mota dzinosvika 2019 miriyoni dzakatengeswa pamusika wechipiri muna 5,5, uye yega yega yetatu mota yakashandiswa yakatengeswa kuburikidza nekutengesa-mu system.

Ehe, makambani ekurenda haaigona kufuratira chokwadi ichi zvakare. Chokwadi, izvi hazvirevi kuti zvachose chero motokari yakashandiswa inogona kukodha. Sezvo mutemo, nguva yemotokari panguva yekupedzisa kwekutengeserana haifaniri kudarika makore matatu, kunyange zvazvo kuvapo kwechivimbiso kune iyo haifaniri.

"Kudiwa kwemotokari dzakashandiswa kuderera uye kwete sekukanganiswa nehupfumi kana zvichienzaniswa nemotokari nyowani, mitengo yadzo inoramba ichikura," Maxim Agadzhanov, General Director weGazprombank Leasing, vanotaura nezvemamiriro ezvinhu pakukumbira kweAvtoVzglyad portal. . "Panguva imwe cheteyo, kana tikataura pamusoro pezvatinoda kutengwa kwemotokari dzakashandiswa, saka huwandu hwemari yakagoverwa pasi pechibvumirano chekurenda chimwe chete inosvika mamiriyoni 120 rubles, uye mari shoma yekubhadhara kwekutengeserana kwakadaro i10%; inova imwe yeakanakisa zviratidzo pamusika…