Leasing vs. Kutenga Company Car
Hapana mharizhonga yemagetsi yekuita sarudzo yekubhadhara vs. kutsvaga motokari yekambani. Mamiriro ose ebhizimisi akasiyana. Heino runyorwa rukuru rwekufungisisa:
- Urefu hwehuwandu. Chimwe chezvinhu zvinonyanya kukosha pakubhadhara motokari yekambani ndedzipi nguva yaunofunga kuti uchava nemotokari. Vatengi vebhizimisi nevashandi vanoisa makiromita akawanda mumotokari, uye pamwe uchada kuishandura munguva pfupi kupfuura mberi, saka zvinoreva kuti kubhadhara kunogona kunge iri nani kutengesa.
- Mireji inokosha mari uye inofanira kushandiswa mukati. Makambani emakambani anowanzoendeswa makiromita akawanda kupfuura motokari dzemunhu, izvo zvinowedzera mari. The
- Chimbofunga mari yose yemotokari pane nguva yaunayo. Simbira kuverenga kwekutenga nekukwereta, kusanganisira mari yekubhadhara kana chikwereti, maira anotarisirwa kutungamirirwa, kuchengetedza nekusimudza. Uyewo funga nezvemari inoyerera mumutengo wose - kana iwe uchifanira kubhadhara uye kubhadhara pamagumo ekubhajisa. Pakupedzisira, funga kukosha kwemotokari pamagumo ekubhajisa kunotarisana nehuwandu hwepanguva. Uye usakanganwa mitero (yakakurukurwa nezvinyorwa pasi apa).
Kana iwe uchida kuedza kuverenga mari yekubhadharira motokari, unogona kushandisa iyi motokari yekugadzirisa kuibva kuBhangerate.com.
Iwe unoda kuziva:
- Mutengo Wakawedzerwa Wokutaurwa (MSRP)
- Mutengo wokupedzisira wekutaurirana wemotokari
- Kubhadhara kuripo, kana pane
- Kushandiswa (kutengesa) mutero wekutera munzvimbo yako
- Kureba kwechikwereti
- Iyi itsva yekutengesa motokari (inowanikawo paBhangerate.com)
- Iko motokari inotarisirwa pamagumo emhedziso (kukosha kwekusimba).
Kutaurirana neKambani yeMotokari
Apo iwe ugere pasi kuti uitisane nekambani yemotokari yekambani nekutengesa motokari, iwe unogona kunge wakapiwa maitiro maviri: sarudzo yakasununguka uye nechisungo chakavhara.
Vhura Vashandisi vs. Vhiki Yakasungwa
Chibvumirano chekushanda chinoshandiswa chinoshandiswa kunyanya kwekutengesa (bhizinesi) motokari yemari. Mune mhando iyi yekubhajisa, muridzi wemari anobhadhara musiyano pakati pehuwandu hunokosha (hunofungidzirwa kutsiva kukosha) uye chaiyo yekudzokorora kukosha pakaguma kwechibvumirano. Kana iyo motokari inotenderedzwa kupfuura inofungidzirwa, kudzoka chaiyo kunogona kuva kwakaderera, zvichiita kuti kuwedzerwa mari kune wevanoshandira. Kusiyana neizvi, pakuguma kwekuvhara kwekuvhara, mushandi wacho anobhadhara mari yakawanda chete uye zvinokanganisa zvinoshamisa.
Kugara Kunokosha Kwemotokari Yakapambwa
Iko izwi rinoshandiswa mumotokari. Inotsanangura kukosha kwemotokari pamagumo ekubhajisa. Izwi rokuti "kugadzirisa kukosha" rinoshandiswawo kurondedzera chiyero bhizinesi rinotarisira kutengesa zvinhu zvakaguma pakuguma kwehupenyu hunobatsira.
Kukosha kwekutsvaga ibasa rehuwandu uye chiyero chekuderera kwepamotokari kana mamwe mabhizimusi emabhizimisi. Kana iyo inowedzera inoderedza, zvishoma zvishoma kukosha kwayo kuchange kuri pakuguma kwebvumirano.
Kukosha kwekusiyiwa kune ukama kune zvikwereti. Kana kukasara kwekupedzisira pamagumo ekubhajisa kwakakwirira, mari yekubhadhara pamwedzi ichava duku, uye pamwe chete. Asi kukosha kwekutsvaga ndiyo mari yaunofanira kuripa pamagumo emotokari yekutengesa kana iwe uchida kutenga motokari, saka zvingave zvisina kufanirwa kuti uve nehupamhi hwekugarisa.
Funga Kubhadhara Nguva Yakareba
Nguva shomanana yekubhajisa inonyanya kukosha kudarika kushandiswa kwenguva refu, nokuti kukosha kwekusimba kunowira nokukurumidza mumwedzi 24 yekutanga. Izvi zvinonzwisisika, sezvo chero motokari inoderera nokukurumidza pakutanga kana kupfuura gare gare muhupenyu hwayo. Mashoko ekubhajisa anowanzomira kwemwedzi 24, 36, kana 48. Tarisa "warper-to-bumper" warranty pamotokari uye usawedzera chikwereti kupfuura zuva rino.
Ongorora Mileage Pamberi Leasing
Iwe usati wapinda muchikwereti, iwe unoda kuenzanirwa makireji egore negore nekuda kwekushandisa kwako motokari.
Izvo zvinoshandiswa kushanyira zvinogona kuva nezvikamu gumi nezviviri zvemakiromita gore negore, asi kana iwe uchifunga kuti uri kumhanya pane makiromita anopfuura 12 000 pagore, zvakakosha kuti ubhadhe mari yakawedzerwa pamakiromita akawanda. Kana zvisina kudaro, iwe unofanirwa kubhadharira mileage yakawedzerwa inoshandiswa pamagumo ekubhajisa.
Mari Yokubhajisa uye Mari Yokuwedzera
Vatengesi vanoda kuwedzera pamitero, sebhadharo yekuwana (iyo inofananidzwa nemapurisa pane chikwereti). Edza kutaurirana nemari iyi kubva kunze kana pasi; ivo vari kungowedzera mutengesi mhosva, kazhinji yakavanzwa. Mutengesi angadawo kutora mari yekutengesa (inonzwika sehomwe kana pasi yekubhadhara, handizvo here?).
Yakarambidzwa Company Cars uye Mitero
Sezvakagara zvakadaro ndizvo zviri mumabhizimisi emabhizimisi, mitero inofanirwa kutaridzirwa, uye kuwedzerwa kubhadhara kunokosha. Mitsva yemitero. Motokari dzinodzwa hazvirevi, asi mabhizimisi ekufambisa mari yemotokari yakarodzwa inogona kuderedzwa, mune imwe mamiriro ezvinhu uye nemiganhu.
- Chokutanga, motokari inofanira kuendeswa 50% kana kupfuura nokuda kwebhizimisi (uye iwe unofanira kukwanisa kuratidza kuwanda kwebhizimisi kutyaira gore rimwe nerimwe). Chero bhizinesi rekutengesa chikamu chebhadharo rinogona kuderedzwa.
- Zvadaro, unofanira kushandisa nzira chaiyo yebhadharo (kwete kubviswa kwakakwana) kuti uverenge kutengesa motokari, kuitira kuti ubvise mari yekubhadhara mari.
- Pakupedzisira, imwe yepamusoro yemari inokodzerwa nemari inogona kuendeswa kune izvo IRS inoshevedza kuti "kuiswa muwandu," izvo chaizvoizvo kuderedza kuderedzwa kwemari yekubhadhara. Iwe unogona kuverenga zvakawanda pamusoro pezviyero izvi zvinowanikwa muIrS Publication 463 , pasi pe "Kuraira Car."
Sales tax. Iwe haugone kubuda pakubhadhara mutero wekutengesa mutero pamubhadharo, saka kuchengetedza mutengo wakadzika kunobatsira iwe kubhadhara zvishomanana pamutero wekutengesa.