Novat Leasing: Zvese zvaunoda kuti uzive

Innovative leasing inogona kukuchengetedza imwe mari yakakomba.

Mota dzinozivikanwa kuve yechipiri chikuru kutenga vazhinji vedu vanoita muhupenyu hwedu uye chimwe chezvinhu zvishoma zvatiri kuda kupinda muchikwereti chikuru, izvo zvinoita kuti pfungwa yekukwidziridzwa yekurenda inakidze kana wangofunga. kuti chii.

Hongu, zvinonzwika sechimwe chinhu chipangamazano wako wezvemari anotanga kutaura nezvazvo usati watanga kurara, asi chokwadi ndechekuti inogona kunyatsokubvisa iwe marwadzo ekuve nemota pamwe nechikamu chayo.

Munyika yakanaka, iwe unogona kuwana mota yaunoda uye usingabhadhare chero chinhu, asi hausi n'anga kana mukurumbira, saka kurojesa kwepasi kunogona kuderedza huwandu hwemari inobuda muhomwe yako nekukuisa. mumotokari itsva dzinopenya kakawanda.

Chii chinonzi renewal lease?

Chaizvoizvo, kukwereta kwepasi kunosanganisira mukana wechitatu uye unobatsira mune zvemari muchibvumirano chekutenga mota, nemushandirwi wako achijoinha iwe nemutengesi murudzi rwe "maneja wemotokari". Kunyange izvi zvichigona kukuchengetera mari mukufamba kwenguva, zvine hunyanzvi kufunga pakutanga nekuti uri kukumbirwa kubhadhara chimwe chinhu chausingazove chako chaicho. Saka chikamu che "rent".

Kudivi rakanakira, izwi rekuti "itsva" rinonzwika kunyumwira, sechinhu chine chekuita nemitero neakaunzi, uye ndizvo; Nhau dzakanaka ndedzekuti inogona kukubatsira kuwana imwe mari inogona kubhadhariswa mutero.

Chaizvoizvo, kukwidziridzwa kwerendi kunoreva kuti waunoshandira ibato pachibvumirano chako chekutenga uye anobvumidza iwe kubhadhara mota yako sechikamu chemubhadharo wako wepasuru (iyo inovachengeterawo imwe mari zviri nyore) nekukubhadharira mari yemotokari yako kubva kune yako pre- mari yemutero..

Mutero waunowana unozoverengerwa zvichibva pamuhoro wako wakadzikira, zvinoreva kuti une mari yakawanda inoraswa.

Imwe bhonasi yemutero ndeyekuti iwe haufanirwe kubhadhara GST pamutengo wekutenga wemota kana usingaitengi, kuderedza mutengo neimwe 10 muzana.

Sei kushanda?

Kazhinji, unohaya mota kwenguva yakatarwa - kazhinji angangoita makore maviri, asi dzimwe nguva matatu kana mashanu - uye mushure menguva iyoyo unogona kuitengesa kuti uwane modhi nyowani kana kusaina chibvumirano chitsva (zvichireva kuti haumbofa". t kunamatira nemota yakare kana isingachashandi kwenguva yakareba), kana kana wakawira murudo zvakanyanya nemota yako, unogona kubhadhara muripo wakafanotemerwa kuitenga nekuichengeta.

Izvi zvinowanzonzi "chaji yemhepo", pamwe nekuti inokwira kusvika kune nhamba yakakura kupfuura yaungatenda pakutanga.

Kuti uenzanise kubhadhara kwakakwidziridzwa kune nzira yakajairika yekuwana chikwereti chemotokari uye kungotenga motokari, funga kuti chikwereti chako chichabhadharwa zvakakwana kubva pamadhora ako emutero waunogamuchira muakaundi yako yebhangi vhiki imwe neimwe mushure memitero. kubviswa zvine hutsinye.

Nerendi yakagadziridzwa, uri kubhadhara kubva pamari iyo huru yedzidziso yawakanzwa nezvayo se "muhoro" wako, saka unenge uine mari yakawanda yekutamba nayo.

Chaunofanira kunzwisisa ndechekuti hausi kuroja mota kana kuikweretesa, uri kuirenda; kubhadhara mari yaunayo, asi chaizvoizvo, kana iwe uchida, usambofa wakabhadhara zvakakwana, izvo zvinoreva kuti iwe unogona flip motokari yako nguva dzose uye kuchinja marashi, maitiro, hukuru sezvaunoda.

Mumwe mutauriri weKPMG akatsanangura izvi, zvichida muchidimbu sezvingaitwa nemutarisiri weakaunzi: “Chikwereti Chitsva chiri pamusoro pako, mutengesi wako wezvikepe, uye mushandirwi wako. Izvi zvinobvumira mushandirwi kana bhizinesi kuhaya mota pachinzvimbo chemushandi, nemushandi, kwete bhizinesi, rine mutoro wekubhadhara.

"Musiyano uripo pakati pezvirendi zvakazorodzwa uye mari yakajairika ndewekuti mubhadharo wemotokari yako unosanganisira zvese zvinodhura uye zvinotorwa kubva pacheki yako yepamberi yemutero, saka zvisinei kuti unobhadhara mutero wakadii, pachagara paine pundutso."

Kana iwe uri mushandirwi, saka chokwadi bhonasi nderekuti unova bhosi anoyevedza nekupa mushandi wako pasuru itsva yerendi isingakudhure. Izvi zvinokuita iwe uyo unopayona wekurenda kambani MotorPac inoda kudaidza "mushandi wesarudzo," zvichireva kuti vashandi vako vachakuda uye vanoda kuramba vachikushandira.

Uri kuchengetedza marii?

Mamwe makambani anopa calculator yakagadziridzwa yekurojesa mota inoita kuti uverenge chaizvo kuti yakawanda sei yauchachengeta zvichienderana nekusiyana kwehurefu hwekurenda, mari yako, uye sarudzo yako yemotokari.

Pane mimwe mienzaniso chaiyo pane mamwe mawebhusaiti kuita kuti zvinhu zvinyatsojeka. Adam, ane makore 26, mupendi wemba anoita $60,000 pagore, anohaya mota kwemakore matatu ane maira epagore e20,000 km.

Mutero wemotokari yake usati wabhadhara $7593.13, izvo zvinoderedza mari yaanotambira kusvika pa$52,406.87. Izvi zvinoderedza mutero wake wepagore unobhadharwa kubva pa$12,247 kusvika pa$9627.09, zvichireva kuti mari yaanowana pagore yave $34,825.08 pachinzvimbo che$31,446, zvichireva kuti “bhenefiti itsva” yake i$3379.

Akakwira zvishoma muhurongwa, Lisa ane makore makumi mana nemana akahaya SUV itsva yaanoshandisa kubasa uye mabasa emhuri kwemakore matatu ne44 km pagore. Iye anotambira $15,000 pagore, uye mushure mekudzikisa mari yake yemutero neiyo $90,000 yepagore pre-mutero mutengo wemota, anogamuchira achangobva kuunzwa $6158.90 bhenefiti.

Zviripachena kuti nhamba dzinosiyana zvakanyanya zvichienderana nemamiriro ako uye kuti inodhura sei mota yaunoda kuwana pasi pemutsidzo werendi, asi mabhenefiti emutero akajeka.

Pane zvakashata here?

Ehe, hapana chibvumirano chakakwana, uye pane zvinogona kukanganisa kuti uzive kana uchivandudza chibvumirano. Somuenzaniso, kana ukarasikirwa nebasa rako, unogona kumanikidzira mushandirwi mutsva kuti atore chibvumirano chitsva, kana iwe unogona kugumisa kubhadhara uye kubhadhara mari yakafanira, uye iwe unogona kutarisana nemamwe mari.

Renewal leases zvakare inowanzouya nemari yekutonga, uye iwe unogona kubhadhara yakakwira mubereko pamubhadharo wakagadziridzwa uchienzaniswa nechikwereti chemotokari.

Pakupedzisira, kunyangwe chiri huchenjeri kushandisa karukureta yakagadziridzwa yerendi uye kuronga huwandu, zviri mukuda kwako kukurukura nezvekutora rendi yakagadziridzwa neakaunti yako, ndiani anogona kukupa zano kuti chii chaunobatsira kwauri, zvichienderana nekuti mutero uripi. bracket iri.

Wakamboedza here iyo nyowani yekurenda uye yakakushandira iwe? Tiudze nezvazvo mumashoko ari pasi apa.