Ukuqeshiswa kwemali kunye nokuthenga i-Car Company
Akukho migaqo yemilingo yokwenza isigqibo sokuqeshisa ngokuzithengisa imoto yenkampani. Yonke imeko yoshishino iyahluke. Nantsi uluhlu olufutshane lweengqwalasela:
- Ubude bomnini. Enye yezona zinto ezibalulekileyo ekuqeshiseni imoto yenkampani kukude kangakanani ucinga ukuba uya kuba nemoto. Uninzi lwabanini beshishini kunye nabasebenzi bafaka ezininzi iimhilomitha emotweni, kwaye mhlawumbi uya kufuna ukuyijika ngokukhawuleza kunokuba emva koko, oko kuthetha ukuba ukuqeshisa kube yinto engcono.
- I-Mileage yindleko ebalulekileyo kwaye kufuneka iququzelelwe kuyo. Iimoto zenkampani ziqhutyelwa iikhilomitha ezilikhulu kuneemoto zodwa, ezongeza iindleko. I
- Cinga iindleko ezipheleleyo zeemoto ngexesha elikulo. Ukubala ukubala kokuthenga nokuqeshisa, kuquka neendleko zokuqeshisa okanye umbolekiso, iilidi ezilindelekileyo eziqhutywe, ukugcinwa nokugcinwa. Qaphela kwakhona ukuhamba kwemali kwiindleko ezipheleleyo-xa kufuneka wenze iintlawulo kunye neendleko ekupheleni kweqeshiso. Ekugqibeleni, cinga ukubaluleka kwemoto ekupheleni kokuqeshiswa ngokumalunga nexesha lobunikazi. Futhi ungalibali iirhafu (kuxutyushwa ngokubanzi ngentla apha).
Ukuba ufuna ukuzama ukubala iindleko zokuqeshisa kwisithuthi, ungasebenzisa le calculator yokuqeshisa imoto kwi-Bankrate.com.
Uya kufuneka ukwazi:
- Intengo yokuThengiswa yokuThengiswa kweMveliso (MSRP)
- Intengo yokugqibela yentetho yesithuthi
- Intlawulo ephantsi, ukuba kukho
- Ukusetyenziswa kwentengiso (rate sales tax rate) kwindawo yakho
- Ubude beqeshiso
- Imali entsha yokubolekisa imoto (nayo iyafumaneka kwi-Bankrate.com)
- Inani lexabiso lemoto ekupheleni kwekota (ixabiso lokunciphisa).
Ukuthetha ngeNkampani yokuqashisa imoto
Xa uhlala phantsi ukuxoxisana nokuqeshisa imoto yenkampani kunye nomthengisi wemoto, mhlawumbi uya kunikwa ezimbini iindlela zokuqeshisa: ukuqeshisa okuvulekileyo kunye nokuqeshisa okuvaliweyo.
Uqeshiso oluvulekileyo kunye nokuqeshisa ukuvalwa
Inkontileka yokuqeshisa evulekileyo isetyenziselwa ngokuyinhloko ukuqeshisa izithuthi zorhwebo (ishishino). Kulo hlobo lokuqeshisa, umqeshi uyahlawula umlinganiselo phakathi kwexabiso eliseleyo (inani elilinganisiweyo lokubuyisela kwakhona) kunye nexabiso langempela lokubuyisela ekupheleni kweqeshiso. Ukuba isithuthi sithunywe ngaphezu koqikelelo, ukuhlaziywa ngokutsha kunganciphisa, kubangele iindleko zonyuka kumqeshi. Ngokwahlukileyo, ekupheleni komqeshiso ovaliweyo, umnini-mali uhlawula umyinge owongezelelweyo kunye nemonakalo engavamile.
Ixabiso lokuhlala kwiimoto eziqeshisiweyo
Eli lizwi elisetyenziselwa ukuqeshisa imoto. Ichaza ixabiso lemoto ekupheleni kokuqeshisa. Igama elithi "xabiso lokunciphisa" lisetyenziselwa ukuchaza imali ibhishini lilindele ukuthengisa i-asethi ekupheleni komsebenzi walo obalulekileyo.
Ixabiso lokunciphisa ngumsebenzi wexabiso kunye nexabiso lokunciphisa imoto okanye enye i-asethi yoshishino. Xa i-asethi ethe xaxa iyancipha, ubuncinci bayo buya kubakho ekupheleni kweqeshiso.
Ixabiso lokunciphisa linalo ubudlelwane kunye neentlawulo. Ukuba ixabiso elishiyekileyo ekupheleni kweqeshiso liphezulu, iintlawulo zenyanga ziya kuba ziincinci, kwaye ngokulandelelana. Kodwa ixabiso lokusala ixabiso omele ulihlawule ekupheleni kwemoto yokuqeshisa ukuba ufuna ukuthenga imoto, ngoko kungenakukuxhamla ukuba ube nexabiso elincinci lokunciphisa.
Cinga ngexesha lokuqeshisa ixesha
Ukuqeshiswa kwexesha elifutshane kuninzi kunexabiso elide kuneqeshiso zexesha elide, kuba ixabiso lokunciphisa lihla ngokukhawuleza kwiinyanga ezingama-24 zokuqala. Oku kunengqiqo, kuba nayiphina imoto iyancipha ngokukhawuleza ekuqaleni kunokuba kamva ebomini bayo. Imigaqo yokuqeshisa idla ngo-24, 36, okanye kwiinyanga ezingama-48. Khangela i-warranty "ye-bumper-to-bumper" kwisithuthi kwaye ungagqithisi ukuqeshisa kule minyaka.
Ukulinganisela iMelage phambi koqeshiso
Ngaphambi kokuba ungene kwisiqeshiso, uzakufuna i-mileage yonyaka eqikelelwayo ukuze usebenzise imoto.
Ukuqeshisa okuqhelekileyo kunokuba nomda wemizuzu engama-12 000, kodwa ukuba ucinga ukuba uya kuqhuba ngeekhilomitha ezili-12 000 ngonyaka, kuyafaneleka ukuba uhlawule eyongezelelweyo kwimali eyongezelelweyo. Ngaphandle koko, kuya kufuneka uhlawule i-mileage eyongezelelweyo esetyenziswa ekupheleni kokuqeshisa.
Imali yokuqeshisa kunye neentlawulo ezongezelelweyo
Abadayisi abathanda ukungongeza kwiimirhumo, njengemali yokufumana (enokufaniswa neengongoma kwi-mortgage). Zama ukuxoxisana nale mirhumo ngaphandle okanye phantsi; Bathengisa amanani athile, abafihlakeleyo. Umthengisi angafuna kwakhona ukuhlawulwa kwangaphambili (izandi ezifana nediphozithi okanye phantsi kwentlawulo, akunjalo?).
Ukuqeshiswa kweMoto neNkcitho
Njengokuba kunjalo njalo kwimiba yezemali yezoshishino, irhafu kufuneka icatshangelwe, kwaye ukukhutshwa kwexabiso kubaluleke kakhulu. Irhafu yentlawulo. Izithuthi eziqashiweyo azihlaziyekanga, kodwa iindleko zokuqhuba ibhizinisi kwimoto eqeshisiweyo zinganqunyulwa, phantsi kweemeko ezithile kunye nemida.
- Okokuqala, imoto kufuneka iqhutywe i-50% okanye ngaphezulu kwiinjongo zoshishino (kwaye kufuneka ukwazi ukubonisa ubungakanani boshishino lokuqhuba umnyaka ngamnye). Inxalenye yecandelo lokuqhuba umqhubi weendleko liyakuncitshiswa.
- Emva koko, kufuneka usebenzise indlela yendleko (kungekhona ukuchithwa okuqhelekileyo) ukubala ukuchithwa komshayeli, ukuze uchithe iindleko zokuhlawulwa kweqeshiso.
- Ekugqibeleni, ixabiso eliphezulu lexabiso eliqeshwe livumelekile ukuba lixhomekeke kulokho i-IRS ibiza ngokuba "intengo yokungena," leyo ngokwenene ukunciphisa ukuncitshiswa kweendleko zokuqeshisa. Ungakwazi ukufunda ngokumalunga nale mali yokungeniswa kwi-IRS Publication 463 , phantsi kwe "Leasing Car".
Iirhafu zentengiso. Awukwazi ukuphuma ekuhlawuleni irhafu yentengiso yelizwe ngokuqeshisa, ngoko ukugcina intlawulo ephantsi kukunceda ukuhlawula encinane kwerhafu yokuthengisa.