Kubwereketsa kwamagalimoto anthu ndi mabungwe azovomerezeka - ndi chiyani ndipo ndi ziti zomwe zingapezeke pobwereketsa galimoto + tsatane-tsatane malangizo ogulira galimoto pobwereketsa

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Tsiku labwino, owerenga okondedwa a Magazini azachuma a Ideas for Life! Nkhani yomwe yaperekedwa kwa inu kubwereketsa galimoto... Tilankhula zakubwereketsa galimoto kwa anthu (ogula pawokha), ndikukuwuzaninso mwatsatanetsatane za zomwe mungagule galimoto pobwereketsa mabungwe azovomerezeka (mabungwe azamalonda ndi osachita phindu).

Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!

Kuchokera m'nkhaniyi muphunzira:

Kodi kubwereketsa galimoto m'mawu osavuta;
Kodi mawonekedwe a kubwereketsa galimoto ndi ati, ndi maubwino otani kuposa ngongole ya galimoto;
Momwe mungagulire galimoto pobwereketsa kwa munthu kapena bungwe lovomerezeka (malangizo ndi sitepe);
Mapulogalamu oyambira pobwereketsa;
Momwe mungasankhire wobwereketsa woyenera;
Ndi makampani ati omwe ndi akulu kwambiri pamsika wobwereketsa.

Kuphatikiza apo, kumapeto kwa nkhaniyi amaperekedwa mayankho kufunsa mafunso pafupipafupi.

Nkhaniyi iyenera kuwerengedwa ndi aliyense amene akufuna kugula galimoto koma alibe ndalama zokwanira kutero. Zikhala zothandiza kwa anthu komanso mabungwe azovomerezeka.

Ngati muli mgululi kapena mukungofuna kubwereketsa, werengani nkhaniyi pompano!

Kodi kubwereketsa galimoto ndi chiyani, maubwino abwinobwino ndi mawonekedwe a kubwereketsa galimoto, zikhalidwe ndi zofunikira ziti kwa anthu ndi mabungwe azovomerezeka, komanso momwe zimapindulira kutenga / kugula galimoto pobwereketsa - za izi osati izi zokha ... nkhaniyi ikambidwa mgazini ino

1. Kodi kubwereketsa galimoto ndi chiyani - tanthauzo la kubwereketsa, maubwino ake ⚖

Chiwerengero chachikulu cha anthu chimalota kugula galimoto. Koma sikuti aliyense ali ndi njira yochitira izi. Ena amakhulupirira kuti kubzala ndalama koteroko mwina kungakhale kopanda phindu. Chifukwa chake, asanagule, eni magalimoto amtsogolo amayesa ndikuyerekeza zonse zomwe zingagulidwe pamsika - Ngongole yamagalimoto kapena kusungitsa ndalama nthawi yomweyo... Komanso, nthawi zina, mutha kugwiritsa ntchito ntchitozo Kubwereka galimoto.

Osati kale kwambiri, panali njira ina yogulira galimoto, yotchedwa kubwereketsa... Njirayi itha kugwiritsidwa ntchito ndi pafupifupi aliyense - makampani, komanso makasitomala wamba. Tiyeni tiyesere kudziwa kuti kubwereketsa ndi chiyani m'mawu osavuta.

Tanthauzo:
Kubwereketsa ndi kubwereketsa kwanthawi yayitali kwa malo aliwonse omwe angathe kuwomboledwa mtsogolo. Ndiye kuti, kumapeto kwa mgwirizanowu, munthu amene walandila ngongoleyo ali ndi ufulu kutenga mutu wamgwirizanowo.

Momwemo, malo aliwonse amatha kubwereketsedwa. Koma nthawi zambiri ngongole yanthawi yayitali imagwiritsidwa ntchito kupeza mitundu yonse yamagalimoto, kuyambira ndimagalimoto ndikumaliza ndi magalimoto olemera. Kubwereketsa ndibwino kugula zida zamtengo wapatali.

Mabungwe nthawi zambiri amagwiritsa ntchito kubwereketsa ndalama kukulitsa kuchuluka kwa magalimoto omwe amapanga zombo zawo. Anthu pawokha amatha kugula galimoto yoyendera nthawi yayitali; nthawi zambiri amagwiritsa ntchito magalimoto omwe agulidwa kuntchito. Nthawi yomweyo, makampani omwe amapereka ntchito yobwereketsa amakhala ndi phindu lalikulu.

Ubwino waukulu pakubwereketsa kwa ocheperako ndi ma lessees

Titha kudziwa kuti kubwereketsa - gulu lapadera lachuma... Ndizopindulitsa kwa onse mbali ziwiri pamalonda. Pali zambiri kuphatikiza kubwereketsa ndalama.

Ochepera amakhulupirira kuti kugulitsa magalimoto pobwereketsa kumalumikizidwa ndi zoopsa zochepa.

Izi ndichifukwa cha zifukwa zotsatirazi:

Magalimoto ndi katundu wamadzi kwambiri. Mwanjira ina, ngati kuli kotheka, itha kugulitsidwa mwachangu pamsika wachiwiri.
Nthawi yakubwereketsa ndalama, galimotoyo ndi ya wobwereketsa. Ndiye chifukwa chake, pakakhala zovuta pakulipira, kampani sikuyenera kupita kukhothi ndikudikirira chigamulo chake kuti ibwezeretse galimotoyo.
Magalimoto omwe atulutsidwa amayenera kulembetsa boma. Chifukwa chake, nthawi iliyonse kampani yobwereketsa imatha kudziwa komwe kuli galimoto.

Zifukwa zonse zomwe zatchulidwazi zimapangitsa kuti m'makampani omwe amachita kubwereketsa ndalama, ndiye kubwereketsa galimoto... Kuphatikiza apo, ochepa obwereketsa amangopereka katundu wamtunduwu.

Mosiyana ndi zomwe ambiri amakhulupirira, osati makampani okha omwe amapereka magalimoto kuti azitsitsimutsa ndalama, komanso omwe amawatenga, amalandila zabwino zambiri.

Ena mwa iwo ndi awa:

ndalama zagalimoto zimalipira mgawo mu kuchuluka kwake ndi malingaliro omwe agwirizana ndi mgwirizano;
wobwereketsa atha kugwiritsira ntchito galimotoyo atangomaliza kugula ndi kulipira, ngati kuli kofunikira, kubweza koyamba;
nthawi zambiri pamapeto pake, kasitomala amaperekedwa payekha mawu. Amatha kukambirana ndi kampani yobwereketsa njira yabwino yoperekera ndalama;
kumapeto kwa mgwirizano, kasitomala amasankha kumutengera galimoto pomulipira ndalama zomwe akufunikira kapena kukana;
mabungwe azamalamulo akamaliza mgwirizano wazobwereketsa amaperekedwa zolimbikitsa msonkho;
Kubwereka galimoto kumakhala kosavuta kwambiri kuposa kugula ngongole. Makampani obwereketsa safuna chikole ndi ma guarantors, safuna kuti atenge zikalata zambiri;
galimoto yobwereketsa ndalama imaperekedwa mwachangu. Makampani ambiri amavomereza kusaina contract pasanathe tsiku limodzi kuchokera pomwe kasitomala adabwera kwa iwo.

Mwa njira iyi, kubwereketsa galimoto monga mtundu wa kubwereketsa ndalama kumathandiza onse wobwereketsa komanso wobwereketsa. Ichi ndichifukwa chake kubwereketsa magalimoto kwachuma kukuyamba kutchuka.

Komabe, Russia sichinafikebe pamlingo wofanana ndi ku Europe. M'mayiko aku Europe, kubwereketsa kumapezeka aliyense chachitatu galimoto.

Ogwiritsa ntchito aku Russia sadziwitsidwa bwino za kubwereketsa. Kuphatikiza apo, okonda magalimoto mdziko lathu amasamala za ntchito yatsopano yazachuma yomwe sadziwika kwa iwo. Komabe, pang'onopang'ono koma gawo la iwo omwe adagula galimoto pobwereketsa ku Russia likukula.

Chiwerengero cha anthu omwe ayamikira maubwino ndi maubwino azobwereketsa ndalama ndikuwakonda kuposa kugula pangongole ndi ndalama chikukula pang'onopang'ono.

Kubwereketsa magalimoto kwa anthu pawokha anthu - ndichani, zabwino zake (+) ndi zoyipa zake (-), zomwe zimapindulitsa kwambiri - kubwereketsa ngongole kapena kubwereketsa galimoto kwa ogula achinsinsi + magawo a mgwirizano wobwereketsa

2. Kubwereketsa galimoto kwa anthu payokha - mawonekedwe ndi maubwino + malangizo mwatsatanetsatane kwa omwe akwereke magalimoto car

Kubwereketsa magalimoto kwawoneka posachedwa, kotero si anthu onse omwe amadziwa za mawonekedwe ake.

2.1. Kodi kubwereketsa kwamagalimoto kwa anthu pawokha - kuwunikira kwakukulu pamalingaliro osavuta + mitundu yobwereketsa magalimoto

Posachedwa, panali njira ziwiri zokha zopezera galimoto yoti mugwiritse ntchito: kubwereka kapena gula... Pakadali pano, njira ziwiri zowerengera ndizotheka: ndalama ndipo ndi magawo.

Posachedwa, njira ina yawonekera akuphatikiza lendi ndi kugula - uku ndi kubwereketsa galimoto... Kutchuka kwake kukukulira pang'onopang'ono.

Kubwereketsa galimoto ndi mtundu wapadera wobwereketsa. Poterepa, makina samangosinthidwa kwakanthawi kuti agwiritsidwe ntchito. Pamapeto pa mgwirizano, wobwereketsa amakhala ndi mwayi woti atenge galimotoyo kukhala yake. Izi ndizo zofunika mawonekedwe apadera pamalingaliro azachuma monga kubwereketsa.

Monga momwe kubwereka galimoto, kuyiyendetsa sikuli kwa munthu amene amaigwiritsa ntchito. Chifukwa chake, galimotoyo singagulitsidwe, kusamutsidwa kwa munthu wina ndikupereka.

Komabe, wobwereketsayo akuyenera kuwonetsetsa kuti galimotoyo ili bwino, atenge inshuwaransi ya OSAGO, amasintha mawilo munthawi yake, amayang'aniridwa pafupipafupi ndiukadaulo.

Monga momwe mumagulira pangongole, pankhani yobwereketsa galimoto, amalipiritsa pang'onopang'ono. Mwanjira iyi, kugula kotereku kumasiyana ndi kugula ndi ndalama, pomwe ndalama zimalipidwa.

Komabe, pali kusiyana kwakukulu pakati pa kubwereketsa ndi kubweza ngongole: pankhani yachiwiri, wogula nthawi yomweyo amakhala mwini wa galimotoyo, koyambirira - pokhapokha mgwirizano utatha.

Ngakhale kuti kubwereketsa munthu nthawi zambiri kumakhala kopindulitsa kuposa ngongole, imagwiritsidwabe ntchito kangapo. Izi ndizowona makamaka pamsika wamagalimoto apakhomo.

Mitundu (mitundu) yobwereketsa magalimoto - 2 yayikulu

Pali mitundu iwiri yayikulu yobwereketsa magalimoto:

Ndikusamutsa umwini. Poterepa, wobwereketsayo akuyenera kuwombola galimoto pambuyo poti apereke ndalama. Kuphatikiza apo, ngakhale kuti ngongole yobwereketsa itha kukhala yocheperako ndi ngongole, mtengo wake wonsewo ndi wofanana.
Palibe kusamutsa umwini. Poterepa, mgwirizano utatha, wogula amabwezeretsa galimoto ku kampani yobwereketsa. Njirayi ndi yankho labwino kwa iwo omwe akufuna kukhala ndi galimoto yaying'ono kwakanthawi. Mukamagwiritsa ntchito chiwembu choterocho, wobwereketsayo zaka zingapo, mgwirizano ukamatha, amatha kusintha galimoto yatsopano, osaganizira zogulitsa mwachangu galimoto yomwe adagwirapo kale. Chifukwa chake, kubwereketsa popanda chiwombolo, ntchitoyi ikufanana ndi kubwereketsa kwa nthawi yayitali.

2.2. Ubwino ndi zovuta pobwereketsa anthu - kuwerengera, komwe kumakhala kopindulitsa: Ngongole yamagalimoto kapena kubwereketsa + tebulo lowonera

Kuyesera kudziwa zomwe kwenikweni - kubwereketsa kapena kubwereketsa ndalama kuli kopindulitsa kwa wogula payekha, muyenera kumvetsetsa zomwe zili kufanana ndipo kusiyana zida zachuma izi.

Kubwereketsa ndi ngongole: kusiyana

Kusiyanitsa kwakukulu ndichifukwa cha kubwereketsa kampani yobwereketsa imakhalabe mwini galimoto mpaka kumapeto kwa mgwirizano. Ngati mungalembetse ngongole umwini umadutsa nthawi yomweyo, galimoto imangolonjezedwa ku banki.

Zimapezeka kuti wobwereketsa amakhala pachiwopsezo chochepa kwambiri kuposa wobwereketsa. Chifukwa chake, pogula galimoto pobwereketsa, zofunika kwa munthu sizikhala zovuta kwambiri.

Ndizo zodziwika bwino pakusamutsa umwini zomwe zimafotokozera kuchepa kwakubwereketsa. Ambiri omwe angakhale ogula amawopa kuti wobwereketsa atha kubweza galimoto nthawi iliyonse pakafika pochedwa kubweza kapena zina zikachitika.

Ena amakopeka ndi mfundo yoti pangano lobwereketsa, zolipira nthawi zambiri zimakhala zochepa poyerekeza ndi ngongole. Komabe, iwo saganizira otchedwa mtengo wotsalira... Iyenera kulipidwa kwa wobwereketsa kumapeto kwa mgwirizano. Pachifukwa ichi galimotoyo imakhala katundu wa wobwereketsayo. Komanso kuchuluka kwa zolipiritsa kumadalira kuchuluka kwa ndalama zoyambirira.

Zimapezeka kuti polembetsa pangano, wogula nthawi zambiri amalipira ndalama zochepa pamwezi. Poterepa, ndalama zambiri zimalipidwa koyambirira ndi kumapeto kwa mgwirizano. Pachikhalidwe, nthawi ino imasiyanasiyana kuchokera 1 za chaka kale 5 zaka.

Ubwino wake waukulu (+) pakubwereketsa galimoto

Chifukwa chake, titha kusankha mndandanda ubwino kubwereketsa galimoto:

nthawi yolipira imatha kusankhidwa kutengera kuthekera kwenikweni kwa wogula;
zolemba zochepa ndizofunikira kuti amalize kugulitsa;
ntchitoyo imawonedwa mwachangu kwambiri kuposa ngongole;
palibe chikole ndi ma guarantors omwe amafunikira;
wogula amasankha yekha ngati angalembetse galimotoyo kapena kuibweza ku kampani yobwereketsa;
ndalama zochepa pamwezi kuposa ngongole kubanki.

Kubwereketsa ndalama kumalola oyendetsa magalimoto kuthana ndi mavuto ambiri ndikupulumutsa nthawi. Ubwino woterewu ndikofunikira makamaka pochita bizinesi ndi anthu (ndiye kuti, monga wochita bizinesi payekha (wochita bizinesi payekha) - takambirana kale za kulembetsa ndi kulembetsa kwa wochita bizinesi m'nkhani yomaliza).

Zoyipa zazikulu za (-) kubwereketsa magalimoto

Ngakhale pali zabwino zambiri, kubwereketsa kuli ndi zingapo zovuta:

galimotoyo ndi ya wobwereketsa mpaka kumapeto kwa mgwirizano, chifukwa chake, ngakhale pochedwa pang'ono, kampani yobwereketsa imatha kunyamula galimoto kuchokera kwa kasitomala wake;
anthu alibe chiwongola dzanja cha msonkho pakubweza ngongole;
wogulitsa sangatengeke ndi galimoto.

Tiyenera kumvetsetsa kuti palibe yankho limodzi pafunso lomwe lipindulitsa kwambiri - ngongole kapena kubwereketsa. Ndikofunika kuwerengera mulimonsemo ndikudalira zolinga zomwe wogula amapereka.

Titha kunena izi kubwereketsa ndalama (kubwereketsa) zaphindu kwambiri ngati amene ali ndi galimoto akufuna kubweza galimotoyo mgwirizano utatha. Poterepa, amatha kugula galimoto yatsopano osaganizira zogulitsa yakale.

Poyerekeza tebulo: "Kusiyana pakati pobwereketsa ndi ngongole zagalimoto kwa anthu"

Ndizofunikira kwambiri kufananizira ngongole yobwereka galimoto ndi kubwereketsa pophatikiza zonse zomwe zili patebulopo.

Chizindikiro	Ngongole yaku Bank ku galimoto	Kugula galimoto pobwereketsa
*Mutu wa mgwirizano*	Magalimoto atsopano komanso akale	Magalimoto atsopano okwera, nthawi zambiri akunja
*Mgwirizano wazaka*	1-5	1-3
*Ndalama zoyambirira*	Osachepera 15%	0-49%
Zolemba zofunika	Zokwanira Ngati muli ndi mwayi wotsiriza kuchita nawo zikalata zochepa, ndalama zomwe wogula akuwonjezeka zimawonjezeka kwambiri	Pasipoti ndi layisensi yoyendetsa
*Inshuwaransi yofunikira*	OSAGO ndi CASCO	MTPL ndiyofunika CASCO mwakufuna kwa wogula, koma ngati kulibe, mtengo wamgwirizanowu ukukwera
*Kusamutsa umwini*	Nthawi yomweyo, galimotoyo yalonjeza kubanki mpaka ngongole itabwezedwa	Mpaka kumapeto kwa malipiro, galimotoyo ndi ya kampani yobwereketsa, wogula amalandira renti
Nthawi yolembetsa	Mwachikhalidwe kuyambira masiku angapo	Mofulumira kwambiri, nthawi zina tsiku limodzi
Ziletso za maulendo	Kulibe	Malire amatha kuwoloka kokha ndi chilolezo cha wobwereketsa
*Ntchito zowonjezera*	Kulibe	Nthawi zina mtengo wamgwirizanowu umaphatikizapo kuyang'anira ukadaulo, kusintha kwa matayala amakono, msonkho wa mayendedwe umaperekedwa ndi kampani yobwereketsa
*Kubwerera kwa galimoto kwa wobwereketsa*	Pakuchedwa ndi chigamulo cha khothi	Popanda kuyimbidwa ndi chisankho cha wobwereketsa

Kuwerengera potengera chitsanzo

Tiyerekeze kuti mwasankha kugula galimoto yamtunduwu Mitsubishi lancerzomwe ndizofunika 700 000 Ma ruble. Sikovuta kuwerengera kuchuluka kwa zolipiritsa pamwezi - ndikwanira kuti mupeze imodzi ikugwira ntchito pa intaneti chowerengera ngongole ndi kulowa magawo onse odziwika. Werengani za momwe mungawerengere ngongole yapa galimoto pa intaneti mu nkhani yama hotelo m'magazini athu.

Zotsatira zake, pogwiritsa ntchito magawo obwereketsa ndi ngongole zamagalimoto, tiona kuti zolipira poyamba zidzakhala 15 000, ndipo chachiwiri - cha 23 000 Ma ruble. Titha kuwona kuti ndi kubwereketsa kuchuluka kwa zolipira ndikofunika kwambiri pansipa. Komabe, lamuloli limangogwira ntchito ngati galimoto iyenera kubwezedwa kumapeto kwa mgwirizano wapangano.

Chitsanzo chikuwonetsa kuwerengera kwa zaka 3.

Ngati cholinga cha wogula ndi kubwereketsa, ndiye kuti kubwereketsa kumakhala kopindulitsa kwambiri. Komabe, ngati mukufuna kuwombola galimotoyo kudzera 36 miyezi iyenera kulipira zotsalira za kampani yobwereketsa. Zotsatira zake, mtengo wagalimoto ipitilira ma ruble 1,000,000.

Nthawi yomweyo, ikagulidwa pa kirediti, izikhala yofanana ndi 828 000 ma ruble, omwe ndi ochepa kwambiri. Chifukwa chake, ngati mukufuna kusunga galimoto yanu, muyenera kusankha ngongole yobwereketsa galimoto.

Ndiye muyenera kusankha chiyani?

Musanasankhe pakati pobwereketsa ndi ngongole yamagalimoto, muyenera kufotokoza bwino zolinga zanu.

Ngati pali chikhumbo choyendetsa galimoto yokwera mtengo ndipo nthawi yomweyo ndikusintha kukhala galimoto yosinthidwa posachedwa, njira yabwino yogulira ingakhale kubwereketsa popanda chiwombolo chotsatira.
Komanso, ngati cholinga ndikugula galimoto kwa nthawi yayitali, ndibwino kuyimilira chandamale ngongole.

Koma musaiwale kuti kampani iliyonse imapereka zikhalidwe zake. Zinthu zitha kuchitika ngati ngongole kubanki yaying'ono, poganizira kuchuluka kwa ma komiti ndi zolipiritsa, zikhala zopanda phindu kuposa kubwereketsa kampani yayikulu yomwe imapereka zofunikira kwa makasitomala ake.

Masiku ano mapulogalamu obwereketsa ndiopindulitsa kwambiri. Izi zikugwirizananso ndi kuti kutchuka kwa ntchito yotereyi ku Russia ndikotsikirabe poyerekeza ndi ku Europe.

Sikovuta kufotokoza izi: nzika zathu zimaopa pomwe umwini wa malo omwe amagwiritsa ntchito uli m'manja mwa ena. Amakhulupirira kuti ngati mavuto abuka, atha kutaya zonse ziwiri mgalimoto ndi ndalama zomwe adalipira. Chifukwa chake, amakonda kutenga ngongole, pomwe umwini umasinthidwa kwa wobwereka atangomaliza mgwirizano.

Werenganinso nkhani yathu yokhudza ngongole yangongole yamagalimoto, pomwe tidakambirana za momwe mungapezere ngongole yagalimoto mothandizidwa ndi boma ndikupereka mndandanda wamagalimoto omwe agwera pulogalamu yakukondera galimoto.

2.3. Kubwereketsa magalimoto kwa amalonda komanso anthu - chitsogozo chatsatanetsatane cha momwe mungaperekere galimoto kwa munthu (kuphatikiza wochita bizinesi payekha)

Mwambiri, njira yolembetsa magalimoto (magalimoto ndi magalimoto) pobwereketsa anthu ndiosavuta.

Gawo lirilonse malangizo kuti mugule galimoto pobwereketsa anthu - magawo akulu

Ngati mukufuna kugula galimoto ndipo mulibe ndalama, nat. munthu (nzika wamba kapena wochita bizinesi payekha) amafunsira ku kampani yobwereketsa. Kenako, timakambirana za mtundu wanji wamagalimoto omwe tikufuna kugula ndikupereka fomu yofunsira. Poterepa, muyenera kupereka zikalata zochepa.

Zimangodikirira kuti ntchitoyi iganiziridwe ndipo, ndi chisankho chabwino, gwiritsani ntchito galimotoyo.

Nthawi yomweyo, posachedwa, malinga ndi malamulo adakhazikitsa mwayi wopeza magalimoto pobwereketsa pokhapokha kuti agwiritse ntchito malonda. Chifukwa chake, ma contract awa adapangidwa kuti azigwiritsa ntchito zida zapadera, zoyendetsa katundu ndi mabasi.

Lero ndizotheka kukhala ndi thupi. ndi anthu (kuphatikiza amalonda payekha) pobwereketsa ndi magalimoto okwera.

Mulimonsemo, kuti mulembetse galimoto kuti mudzapereke ndalama kwanthawi yayitali, muyenera kudutsa njira zingapo zotsatizana.

Khwerero # 1. Kusankha galimoto mwa magawo ndi mtengo

Choyamba, muyenera kusankha galimoto yomwe wogula akufuna kugula. Tiyenera kukumbukira kuti nthawi zambiri pamalonda mutha kugula magalimoto atsopano amtundu wodziwika bwino. (Mercedes-Benz, BMW, Audi, Ford, Opel, Mazda, Honda, Toyota, Nissan, Kia, ndi zina zambiri), yomwe wopanga amapereka chitsimikizo cha nthawi yayitali.

Khwerero # 2. Kusankha kampani yobwereketsa, kuphunzira za kubwereketsa ndi mgwirizano woyamba

Msika wamakono wazachuma umadziwika ndi mpikisano wopanda ufulu. Chifukwa chake, makampani ambiri amapereka ntchito zogulira magalimoto pobwereketsa, onse kwa anthu payekha komanso amalonda ena.

Pankhaniyi, kungakhale kovuta kwambiri kusankha zinthu zabwino kwambiri osakopeka ndi nyambo zabodza. Chifukwa chake, ndikofunikira kudziwa zomwe muyenera kutsatira mukamasankha kampani yobwereketsa.

Mukamasankha kampani yobwereketsa, mverani izi:

kampaniyo yakhala ikupereka ntchito zotani pamsika;
kukula kwa bungwe;
Kukhala bwino kwachuma pakampani;
mbiri;
ndemanga pazomwe kampani yobwereka imachita munyuzi, komanso pa intaneti;
kupezeka kwa zoletsa kwa lessees, komanso nkhani yamgwirizano.

Mukamagula galimoto, chizindikiritso chotsimikizika nthawi zambiri chimakhala mtengo wobwereketsa galimoto. Komabe, sizovuta kuti munthu wopanda maphunziro azachuma amvetsetse tanthauzo la kuwerengera kwake. Mfundo "Kwerani mtengo", ndi "Mtengo wotsalira" zingakhale zosokoneza. Anthu ambiri amaiwala kuziganizira.

Ichi ndichifukwa chake posankha wocheperako zitha kukhala zofunikira kufunafuna thandizo kwa alangizi azachuma. Pogwiritsa ntchito ntchito zawo, mutha kusunga ndalama pobwereketsa galimoto.

Khwerero # 3. Kukonzekera zikalata kuti mupeze leasing

Kuti mulembetse kubwereketsa, muyenera kukonzekera zikalata. M'makampani ambiri, mawonekedwe ake amafanana.

Pachikhalidwe, phukusi la zikalata limaphatikizapo:

ntchito yobwereketsa galimoto;
pasipoti;
layisensi ya dalayivala;
satifiketi, chilengezo kapena chikalata china chotsimikizira ndalama;
buku la ntchito kapena satifiketi yolembetsa ngati wazamalonda.

Nthawi zambiri, pakulemba fomu, sipakhala zovuta. Izi ndichifukwa chakusowa kwakusowa kopereka chikole ndi ma guarantors. Nthawi yomweyo, makampani ambiri obwereketsa samapereka zofuna zakubadwa pazaka za omwe angabwereke ndalama. Ambiri mwa iwo amakulolani kuti mulembetse kubwereketsa zaka 18 zokha.

Khwerero # 4. Anabwereka inshuwaransi yagalimoto

Inshuwaransi ndichinthu chofunikira pakulembetsa galimoto yobwereketsa. Mapeto a mitundu iwiri ya inshuwaransi ndilololedwa: OSAGO ndipo CASCO.

Zopeka, OSAGO itha kuperekedwa nthawi yonse ya mgwirizano wapangano. Komabe, akatswiri amalimbikitsa kuti apange mfundo zatsopano pachaka. Ubwino wa njirayi ndikupeza kuchotsera mukamatulutsanso mfundo kuchokera kwa inshuwaransi m'modzi kapena kutha kufunafuna kampani yomwe ili ndi mitengo yabwino.

Mukatenga inshuwaransi ya CASCO, mphindi iliyonse iyenera kuvomerezedwa ndi wobwereketsa. Atha kupita kumsonkhano ndi kasitomala ndi kuvomereza kuti asatenge zoopsa zomwe zingachitike m'ndondomekoyo. Nthawi yomweyo, mtengo wopeza inshuwaransi udzatsika kwambiri.

Khwerero # 5. Kutsiliza mgwirizano wapangano

Zikakhala kuti onse omwe akuchita nawo malonda agwirizane ndi mgwirizano, amasaina.

Mgwirizanowu ungapereke ufulu ndi maudindo awa:

kasitomala amatenga galimoto kuti agwiritse ntchito;
mwezi uliwonse wobwereketsa amayenera kusamutsira kwa wobwereketsa;
ngati amaperekedwa ndi mgwirizano, kasitomala akuyenera kulipira ndalama zoyambirira;
galimoto itha kugwiritsidwa ntchito mwanjira iliyonse yomwe siyikutsutsana ndi malamulo apano;
Wobwereketsayo akuyenera kuwunika momwe galimoto ikuyendera, kuyang'aniridwa pafupipafupi, ndikuwonetsetsa kuti yasungidwa bwino.

Muthanso kukopera pangano laumboni kuchokera kulumikizano.

Chifukwa chake, pali njira yachikhalidwe yobwerekera magalimoto. Ndikofunikira kudziwa mawonekedwe a gawo lililonse lazogulitsa kuti mupindule nawo. Tikulimbikitsanso kuti muwerenge nkhaniyo "Momwe mungapezere ngongole kwa wochita bizinesi popanda chikole ndi ma guarantors."

Kubwereketsa magalimoto mabungwe azovomerezeka anthu - ndi chiyani, zabwino ndi zovuta zake ndi ziti, zomwe zimapindulitsa kwambiri - kubwereketsa galimoto kapena kubwereketsa galimoto kubungwe + magawo oyambira pobwereketsa

3. Kubwereketsa galimoto mabungwe azovomerezeka - momwe mungagulire galimoto pobwereketsa + malangizo mwatsatanetsatane kuti mugule magalimoto mabungwe ovomerezeka 📋🚕

Pali zifukwa zambiri zomwe mabungwe azovomerezeka angafunikire kugula galimoto. Izi zikuphatikiza kufunikira kokulitsa zombo zamagalimoto ndikuwonjezeka kwamakasitomala, bungwe lazoperekera, kufunikira koyimilira woyang'anira.

Nthawi yomweyo kampaniyo ili ndi njira zingapo zopezera galimoto: mutha kubwereka kapena kugula. Njira zonsezi zimafunikira ndalama zambiri.

Palinso njira ina yopindulitsa kwambiri, yomwe, komabe, ikadali yatsopano pamsika wanyumba - kubwereketsa galimoto... Utumikiwu umatchedwa mosiyana kubwereketsa kwachuma kwanthawi yayitali.

Lero, kubwereketsa kukufunika m'malo onse, akatswiri akuneneratu zakukula kwake posachedwa.

3.1. Kubwereketsa magalimoto mabungwe azovomerezeka - tanthauzo ndi mawonekedwe

Kwa mabungwe azovomerezeka, kubwereketsa ndiyo njira yabwino kwambiri komanso yachangu kwambiri yogulira galimoto. Ndikofunikira kudziwa kuti makampani omwe amagwiritsa ntchito amalandila zolimbikitsa msonkho... Kuphatikiza apo, ndikusankha koyenera kwamachitidwe, zopindulitsa pazachuma zitha kupezekanso.

Ndi kubwereketsa komwe kumalola makampani kuzindikira zochitika zovuta kwambiri. Chifukwa cha njira zomwe zakhala zikugwiritsidwa ntchito kale, mutha kutero mwachangu, posungira ndalama zochepa, gulani zida zotsatirazi:

magalimoto oyendetsa atsopano, kuphatikiza oyang'anira;
magalimoto ogwiritsa ntchito;
magalimoto onyamula katundu, kuphatikiza mathirakitala, magalimoto amgalimoto, magalimoto amtundu uliwonse wonyamula, ma trailer kapena ma trailer apakatikati;
mabasi;
zida zapadera - ma grader, ma cranes am'galimoto, ofukula.

Kodi kubwereketsa kwamagalimoto azovomerezeka mwalamulo - kufotokozera

Tanena kale kuti kubwereketsa ndi chiyani.

Amavomerezedwa mwalamulo kugwiritsa ntchito tanthauzo ili:
Kubwereketsa Ndi mtundu wa zochitika zachuma zomwe cholinga chake ndi kubwereketsa katundu kwakanthawi kwakanthawi ndikuwomboledwa mtsogolo.

Mwanjira ina, kubwereketsa ndi mtundu wapadera wobwereketsa kwanthawi yayitali. Ikatha, wobwereketsayo ali ndi ufulu wogulitsanso katundu wake.

Pachikhalidwe, magulu atatu amatenga nawo mbali pobwereketsa:

wamng'ono ikhoza kukhala kampani yobwereketsa kapena yongoletsa ngongole;
wachinyamata atha kukhala onse ovomerezeka komanso munthu;
wogulitsa katundu wokhazikika. Itha kukhala yogulitsa, wopanga, kapena wofalitsa wovomerezeka.

Nthawi zina, wochita nawo chachinayi amatha kudziwika pazochitikazo - inshuwaransi... Nthawi zambiri, amayimira zofuna za chipani chomwe chimasamutsa malowo.

Malamulo a mgwirizano wobwereketsa akhazikitsidwa mu mgwirizano. Izi zitha kuwonetsedwa:

ndondomeko ya malipiro;
kuchuluka kwa gawo la mwezi;
kuchuluka kwa kulipira pasadakhale.

Kwa mabungwe azovomerezeka, makampani akuluakulu obwereketsa nthawi zambiri amapereka njira zingapo zopezera malo pobwereketsa:

ndikubwerera kwa galimoto;
ndi kuwomboledwa kwa galimotoyo pomwe nthawi yamgwirizano ifika kumapeto;
kubwereketsa ntchito, komwe kumakhala kubwereka galimoto kwakanthawi kotalikirana ndi ukadaulo wake ndikupereka ntchito zina;
mitundu ina yamapulogalamu obwereketsa.

Kugwiritsa ntchito magalimoto obwereketsa kumathandizira mabungwe kukonza magwiridwe antchito awo, komanso kugwiritsa ntchito ndalama, kumakulitsa kufulumira kwachitukuko.

Nthawi yomweyo, makampani obwereketsa amapereka kuti amalize ntchitoyo mwachangu, osachedwetsa kuganizira ntchitoyo.

Zindikirani! Pokhudzana ndi kulembetsa umwini wa galimoto ndi kampani yobwereketsa, kampani yobwereketsa imapatsidwa msonkho.

Ndikofunikira kukumbukira kuti ochita bizinesi m'modzi sakhala m'mabungwe azovomerezeka. Chifukwa chake, kulembetsa magalimoto pobwereketsa kumachitika malinga ndi malingaliro omwe anthu amagwiritsa ntchito (izi takambirana pamwambapa).

3.2. Ubwino ndi maubwino obwereketsa mabungwe azovomerezeka - kuwerengera momveka bwino, komwe kumakhala kopindulitsa kwambiri: kubwereketsa kapena kupereka ngongole +

Chiwerengero cha ubwinowobwereketsa kubungwe lazovomerezeka:

Kuthamanga kwambiri kulembetsa. Kampani yalamulo siyenera kudikirira nthawi yayitali kuti ayankhe pazomwe ikugwiritsidwa ntchito, komanso, sikuyenera kupereka ndalama.
Zolimbikitsa misonkho. Ndikotheka kubweza VAT yomwe idalipira ngati gawo limodzi lazamalipiro.
Kutha kugwiritsa ntchito kuchepa kwachangu. Ochepetsa ena amapatsa makasitomala awo mwayi wogwiritsa ntchito kuchepa kwachangu. Zotsatira zake, msonkho womwe umalipira phindu umachepetsedwa.
Zokopa zakampani zimakhalabe zapamwamba kwambiri. Malipiro abweretsedwe samakhudza chuma chonse, osakulitsa ngongole za kampaniyo.
Mitengo yabwino kwambiri ndi zolipira kwa wogula. Izi ndichifukwa choti kubwereketsa nthawi zambiri kumalimbikitsidwa ndi opanga magalimoto, ogulitsa ndi ena omwe akutenga nawo mbali. Amayesetsa kuwonjezera kugulitsa, chifukwa chake amalimbikitsa kubwereketsa magalimoto, amapereka kuchotsera ndi maubwino osiyanasiyana.
Ndondomeko yabwino yolipira, yomwe imapangidwa motsatana chilichonse.
Palibe zoletsa mwa mtundu, chaka chopanga, mtundu ndi mtunduntchito kwa galimoto anagula.

Chifukwa chake, kubwereketsa kumaphatikiza ndalama zamsonkho ndi liwiro la kulembetsa komanso njira zosiyanasiyana zomwe mungapereke. Nthawi zambiri, monga ntchito zowonjezera, kasitomala amatha kugwiritsa ntchito kuyang'anira ukadaulo, kusintha matayala nyengo, kukonza kwaulere.

Magalimoto okhala ndi injini zazikulu nthawi zambiri amatsitsidwa ndi inapita patsogolo mfundo. Zotsatira zake, amasamutsidwa kubungwe lotsata ndi zotsalira zochepa.

Migwirizano kubwereketsa Mosiyana ngongole nthawi zonse amakhala payekha. Amaloledwa ndi kasitomala kuti awonjezere zina pamgwirizanowu kapena kuti asachotsere mfundo zina malinga ndi zomwe wapatsidwayo.

Zimapezeka kuti kubwereketsa kumasiyana ndi ngongole pafupifupi munthawi zonse zabwino zake. Kusiyanitsa kokongola kwambiri ndikuti polembetsa pangano, kasitomala amapatsidwa zovuta zochepa kuposa pobwereketsa.

Izi zikuchitika momveka bwino: zochitika zamabanki zimayendetsedwa mosamalitsa Banki Yaikulu, Amayenera kukhalabe ndi zizindikiritso zowopsa pamlingo winawake. Zotsatira zake, mabanki amakhala ochepa pakupanga zisankho. Izi ndizowona makamaka pakupereka ngongole.

Makampani obwereketsa amagwiritsa ntchito mfundo zosiyanasiyana. Mukamapanga chisankho, zimangotengera momwe kampani ikuyendera, komanso chiyembekezo chake, poganizira zomwe kampaniyo yakhala ikupereka.

Tebulo: "Kuyerekeza kubwereketsa ndi kubwereketsa mabungwe azovomerezeka"

Kusiyana kwakukulu pakati pa ngongole ndi kubwereketsa kwafotokozedwa mwachidule mu tebulo ili m'munsiyi.

Khalidwe	Ngongole yamagalimoto	Kubwereketsa
*Nthawi yolingalira*	Nthawi zambiri masabata atatu kapena 6	1 mpaka 4 milungu
*Misonkho ya katundu*	2.2% yamtengo wagalimoto	Osalipidwa
VAT	Palibe obwezeredwa omwe aperekedwa	Kubwezeredwa mu ndalama zomwe mudalipira
*Nthawi yogwiritsira ntchito kuchotsera*	Zaka 5-7	Nthawi zambiri zaka 2 mpaka 3, zamagalimoto ena zochepa
Lonjezo	Chofunika	Zosafunika
*Ndondomeko ya Malipiro*	Zokhazikika	Aliyense
*Kuwerengera za galimoto yomwe ili patsamba loyenera la yemwe watsatsa*	Inde	Ayi
*Kugula magalimoto akale*	Osaperekedwa	Zoperekedwa
Nthawi ya mgwirizano	Mpaka zaka zitatu	Miyezi 24-60

Pogula galimoto ndi ngongole, kuchotsera nthawi zambiri sikumaperekedwa. Ngati mukufuna kubwereketsa, pafupifupi mu 90% milandu, mutha kuyembekezera kutsitsa kwamtengo wapatali. Izi ndizowona makamaka pazogulitsa zomwe anthu omwe akuchita nawo chidwi amachita - ogulitsa kapena ogulitsa.

Nthawi zina kutsitsa mitengo kumatha kukhala kowoneka. Chifukwa chake, mabungwe azovomerezeka amatha kuperekedwa kubwereketsa pansi pa mapulogalamu omwe palibe kukwera mtengo.Nthawi yomweyo, mtengo wamagalimoto omwe wabwereka sudzasiyana ndi mtengo woperekedwa pogula ndalama.

Koma ngakhale kuti kugula galimoto kuli ndi maubwino ambiri, ndizotheka kuti musankhe zofooka zoterezi. Chofunika kwambiri ndikuti galimoto yobwereka ndi ya wobwereketsa kumanja mpaka kumapeto kwa mgwirizano.

Wina zovuta zofunika kugulitsa koteroko ndikuti wobwereketsa ali ndi ufulu wokweza galimotoyo osapempha thandizo kubwalo lamilandu. Kuti muchite izi, ndikwanira kuvomereza kuphwanya malamulo a mgwirizano wapangano. Palinso milandu pomwe katundu amachotsedwa kwa wobwereketsayo pakabuka zovuta zachuma.

Chitsanzo chowerengera

Tiyeni tiganizire zowerengera pogwiritsa ntchito chitsanzo. Tiyerekezekuti galimoto idagulidwa pangano, lomwe limawononga ma ruble miliyoni imodzi. Poterepa, muyenera kulipira ma ruble 20,000 mwezi uliwonse. Ngati galimoto yomweyo igulidwa pa ngongole, malipirowo amakhala pafupifupi 40,000 rubles.

Ubwino wobwereketsa muchitsanzo sichikayika. Koma pali chikhalidwe chimodzi - kuwerengetsa kumaperekedwa kwa milanduyi kumapeto kwa mgwirizano galimoto imabwezeredwa ku kampani yobwereketsa... Izi ndizothandiza mukakonzekera kukonzanso magalimoto ena mtsogolo.
Ngati zakonzedwa kupeza pobwereketsa ndikusintha kwa umwini kwa woperekayoNdalama zonse zolipiridwa zidzakhala zofanana. Nthawi yomweyo, mwayi wokhawo wobwereketsa kwakanthawi ndi mwayi wolandila misonkho, komanso kupulumutsa nthawi yayitali.

Zikupezeka kuti ndizotheka kuzindikira chomwe chimapindulitsa kwambiri - ngongole kapena kubwereketsa - pazochitika zina zokha. Poterepa, muyenera kuwerengera kuchuluka kwa zolipira, komanso mtengo wake wonse pagalimoto pamalangizo onsewa.

Malangizo atsatanetsatane ogulira galimoto pobwereketsa mabungwe azovomerezeka m'njira zisanu zosavuta

3.3. Momwe mungabwereketse galimoto kubungwe lovomerezeka - chitsogozo chatsatanetsatane chogulira galimoto mabungwe azovomerezeka

Mukalembetsa galimoto yobwereketsa, zimawerengedwa kuti ndibwino kuphatikizira katswiri pazogulitsa zomwe wachita pali malamuloe kapena maphunziro azachuma... Adzatha kukumbukira ma nuances onse pazochitikazo. Kuphatikiza apo, munthu wotereyu athandizira kukwaniritsa mikhalidwe yabwinoko mukusayina contract.

M'makampani akuluakulu, katswiri wotere amatchulidwa nthawi zambiri m'boma... Kwa makampani omwe alibe akatswiri otere, ndibwino kuti apemphe thandizo kumabungwe azachuma omwe ali mgulu lachitatu.

Mosasamala kanthu kuti ntchitoyi ikumalizidwa ndi katswiri kapena ayi, panthawiyi wobwereketsayo akuyenera kudutsa njira zingapo.

Khwerero # 1. Kusankha koyenera kwa kampani yobwereketsa galimoto, kudziwika bwino ndi mgwirizano wamgwirizano

Pakusankha galimoto, zosowa ndi zopempha za kampani ya wobwereketsayo zimaganiziridwa. Nthawi zambiri panthawiyi, wobwereketsa amapereka kasitomala ake kabukhu, yomwe ili ndi zosankha zingapo zamagalimoto, mitundu komanso zosintha.

Ngakhale kuti nthawi zambiri wobwereketsa amakhala akuganiza kuti akufuna kugula galimoto yanji, komabe, koyambirira, munthu ayenera kusankha zosintha zofunikira, komanso ntchito zowonjezera.

Ndikofunika kusankha osati mtundu wabwino kwambiri wamagalimoto, komanso wamng'onondi mgwirizano womwe upangidwe. Poterepa, munthu ayenera kuganizira mbiri ya kampani yobwereketsa, kuti yakhala yayitali bwanji pamsika.

Ndikofunikanso kuwunika zomwe zilipo ndemanga, ngati kuli kotheka, funsani za wobwerekera pakati pa abwenzi ndi omwe mumawadziwa. Akatswiri amatsimikizira: ndikwanira kuthera kanthawi kochepa kofufuza zazing'ono kuti mupewe mavuto akulu mtsogolo.

Komabe, ndikofunikira osati kungosankha galimoto ndi kampani yobwereketsa, komanso kuti muphunzire mfundo zazikulu za mgwirizano, monga:

kuchuluka kwa kulipira pasadakhale kapena koyambirira - m'makampani osiyanasiyana kumasiyana mosiyanasiyana, mwina sikupezeka kapena kufika theka la mtengo wamagalimoto;
tsiku lolipira, komanso kuchuluka kwa zolipira zomwe zimayenera kulipidwa mwezi uliwonse;
zikhalidwe zomwe ziyenera kukwaniritsidwa kumapeto kwa mgwirizano wapangano - kubwezeredwa kwa galimotoyo kapena kulipira mtengo wotsalira.

Ngati zikhalidwe zomwe zimaperekedwa pakampani yobwereketsa iyi ndizofunikira kwa kasitomala, ayenera kulemba ndikutumiza fomu yofunsira wobwereketsa. Pambuyo powerengera mkati mwa nthawi yomwe kampaniyo idakhazikitsa, lingaliro lipangidwa.

Nthawi yomwe yankho liperekedwe imasiyana mosiyana ndi ena. Zimatha kusiyanasiyana kuchokera masiku angapo kale milungu ingapo.

Khwerero # 2. Kutolera zikalata zolembetsa kubwereketsa

Ngati, kutengera zotsatira zakugwiritsa ntchito, chisankho chabwino chapangidwa, muyenera kupatsa wobwereketsa mapepala ena. Ndibwino kuti muzikonzekeretu pasadakhale. Izi zidzapulumutsa nthawi yamtengo wapatali.

Pachikhalidwe, bungwe lovomerezeka lingafunike kulembetsa galimoto kuti ipangitsidwe:

Pempho losainidwa ndi munthu wovomerezeka wa bungweli (nthawi zambiri mutu)
Funso la a Lessee lokhala ndi zolembera zoyenera.
Kope lazomwe zilipo mu Charter.
Kope la satifiketi yotsimikizira kulembetsa msonkho.
Kope la chisankho chomwe mutu wamabungwe amasankhidwa.
Zikalata zosonyeza kuti mutu ndi ndani, komanso omwe adayambitsa kampani.
Balance sheet ndi zina zandalama.
Zambiri zakupezeka kwamaakaunti akubanki.
Chivomerezo Chofunikira Pakusintha Zinthu Zosasinthidwa.

Chitsanzo chodzaza fomu yamafunso ya wolemba (chitsanzo cha ntchito yobwereketsa)

Mndandandawu ndiwowonetsa; nthawi zambiri kubwereketsa makampani kumafunikira zikalata zina.

Khwerero # 3. Kupanga ndikumaliza mgwirizano

Pambuyo pazovomerezedwa zonse, pali kusaina contract... Kuyambira pano, kugulitsa ndalama kubwereka magalimoto kumayambira.

Ndikofunika kuzilingalira mozama kupanga ndondomeko yolipira... Zinthu pa kampaniyo zimadalira momwe yasankhidwa molondola. Chifukwa chake, mphindi ino yomaliza ntchito yobwereketsa nthawi zambiri imatchedwa chinsinsi.

Dongosolo lolipirira liyenera kukhala logwirizana ndi kamvekedwe ka bizinesi ya yemwe waperekayo, ndi tsiku lolandila ndalama zofunikira kwambiri. Siziyenera kulepheretsa chitukuko cha bizinesi, kusokoneza momwe chuma chimakhalira ndi bungweli.

Makampani ena obwereketsa amapereka mwayi wopeza ndandanda yolipirira nyengo zomwe ziziwunika kulandila ndalama m'makampani omwe amachita bizinesi yakanthawi.

Kusayina contract - njira yomwe satenga nthawi yochuluka. Kuphatikiza apo, ena obwereketsa amapereka ntchito yonyamuka kupita ku izi mwachindunji kuofesi ya kasitomala.

Ngakhale zili choncho, mgwirizano uyenera kuchitidwa chidwi chachikulu... Ndikofunika kuti maloya a wobwereketsa azisanthule mosamala. Ngati kulibe loya m'boma, sizingakhale zovuta kutembenukira kwa akatswiri ena. Izi zipewetsa mavuto akulu ndi kusamvana mtsogolo.

Khwerero # 4. Kulipira kwa gawo loyambirira pamgwirizano wapangano

Ikasayina mgwirizano, kampaniyo imalipiratu pasadakhale. Nthawi zambiri zimakhala kuchokera 5 mpaka 15%... Makampani ena obwereketsa amasaina mapangano osayika ndalama zisanachitike, mwa ena - kuchuluka kwa zolipiriratu kumafika theka la mtengo wagalimoto.

Ngati zolipiritsa zimaperekedwa malinga ndi mgwirizano, galimotoyo imasinthidwa kuti igwiritse ntchito kasitomala pokhapokha atalipira. Pachikhalidwe, mapangano amamalizidwa kwakanthawi kuchokera 2 kale 5 zaka.

Khwerero # 5. Kulandira galimoto yoti mugwiritse ntchito

Mwachikhalidwe, galimoto imachotsedwa kudzera mwa nkhoswe - wogulitsa galimoto... Izi zimachitika pamalo ogulitsa magalimoto kapena ogulitsa. Tiyenera kukumbukira kuti kulembetsa inshuwaransi OSAGO chofunika.

Kuphatikiza apo, inshuwaransi itha kuchitika pempho la wobwereketsa CASCO... Galimoto iyenera kulembedwa pa Magalimoto apolisi.

Kuyambira nthawi yolandila kuti agwiritse ntchito, wobwereketsa ayenera kusamalira chitetezo chagalimoto, komanso kuwonetsetsa kuti ikugwira ntchito. Komabe, kampani yobwereketsa komanso wogulitsa magalimoto atha kuthandizira izi popereka ntchito zosiyanasiyana, komanso othandizira ukadaulo.

Kutengera malingaliro amgwirizano kumapeto kwa mgwirizano, pali njira ziwiri zomwe zingapangitse kuti galimoto ipite patsogolo:

imabwezedwa kwa wobwerekera;
galimotoyo imasamutsidwa ku balance sheet ya wogulitsa.

Kachiwiri, kasitomala ayenera perekani zowonjezera mtengo wotsalira.

Mwa njira iyi, kubwereketsa mabungwe azovomerezeka atha kukhala wothandizira wabwino kwambiri pabizinesi. Nthawi yomweyo, ndikofunikira kukhala osamala kwambiri popanga mgwirizano.

Sizingakhale zopitilira muyeso kufunsa azachuma kapena maloya omwe ali pantchito ya kampaniyo. Ngati sichoncho, mutha kufunsa thandizo kwa mlangizi wodziyimira pawokha pazachuma.

Tikukulangizaninso kuti muwerenge nkhani yathu momwe mungapezere ngongole kubizinesi yaying'ono komanso komwe mungapeze popanda chikole kapena guarantors.

Mapulogalamu otchuka obwereketsa magalimoto

4. Mapulogalamu obwereketsa ndalama zamagalimoto - TOP-3 yotchuka kwambiri 🛠💰

Makampani ambiri obwereketsa amapatsa kasitomala mapulogalamu angapo ogulira magalimoto kuti azibwereketsa ndalama mwakamodzi. Nthawi zambiri zonsezi zimapereka malingaliro okhulupirika kwa wobwereketsayo, kuchuluka kwa zikalata zofunikira, ndi kuchitapo kanthu mwachangu kwa mgwirizano.

Pulogalamu 1. Kubwereketsa galimoto popanda chindapusa kwa anthu (IE) ndi mabungwe azovomerezeka

Ngakhale mabungwe omwe angalembetsedwe kumene atha kupanga mgwirizano pangano, ngakhale kuti mwachikhalidwe muyenera kudikirira kuchokera miyezi isanu ndi umodzi kale za chaka... Mwachilengedwe, makampani achichepere amakhala alibe nthawi yopeza ndalama zolipiriratu. Ichi ndichifukwa chake makampani obwereketsa amapereka pulogalamu yanthawi yayitali yobwereka osapereka ndalama zoyambirira.

Nthawi zambiri, kubwereketsa pazinthu zotere kumaperekedwa kuti ziperekedwe mwachindunji opanga magalimoto, ndi ogulitsa ogulitsa... Amachita chidwi ndi kugulitsa koyambirira kwamagalimoto.

Kuphatikiza apo, chiwembucho popanda kulipira koyamba chitha kugwiritsidwa ntchito pazida za wopanga ndi mtundu wina, mgwirizano ukamachitika pakati pa wobwereketsa ndi wogulitsa. Malinga ndi zomwe akunena, galimoto ikachotsedwa kwa wobwereketsayo, kampani yobwereketsa ili ndi ufulu woyibweza kwa wopanga.

Pulogalamu 2. Kubwereketsa magalimoto osayamikira kwenikweni

Dongosolo la kubwereketsa mtengo wotsika limaganiza kuti ndalama zonse zomwe zilipidwa pamgwirizanowu sizipitilira mtengo wagalimoto mnyumbayo. Chopereka chotere chimakhala chotheka pamene wopanga amapereka kampani yobwereketsa ngati kasitomala wofunikira kuchotsera pamagalimoto awo.

Nthawi zambiri, kugula magalimoto pobwereketsa (ndiye kuti, polipira pang'onopang'ono) kumayambitsidwa ndi wopanga yekha. Poterepa, cholinga chake ndi kupititsa patsogolo malonda.

Chifukwa chake, kupereka kuchotsera kwa opanga, komanso ndalama zotsika mtengo, zimathandizira ochepera kuti azipereka mapulogalamu ogulitsa magalimoto popanda kulipira kwambiri.

Pulogalamu 3. Kubwereketsa magalimoto osawunika momwe wogwirizirayo alili (wogula)

Zowopsa polembetsa magalimoto kuti adzagulitse makampani kwakanthawi ndizochepa. Pali zifukwa zingapo izi:

Malipiro omwe amapereka amakhala ndi zolakwika zina pambuyo pake.
Umwini wa galimotoyo umatsalira ndi kampani yobwereketsa mpaka itamalizidwa.

Izi zonse zimabweretsa kuti pali mapulogalamu obwereketsa momwe ndalama sizimayesedwa kapena kuyang'aniridwa pang'ono.

Mapulogalamuwa atha kugwiritsidwa ntchito pobwereketsa magalimoto ndi magalimoto agalimoto, zida zapadera.

Makhalidwe a mapulogalamu popanda kuwunika kwachuma ndi awa:

kupereka kwa ukadaulo watsopano;
mtengo wa galimoto sayenera kupitirira kuchuluka kwake;
kuchuluka kwake ndikokwera kuposa momwe zinthu ziliri.

Chifukwa chake, pali mapulogalamu osiyanasiyana obwereketsa magalimoto. Ndikofunikira kusankha njira yabwino kwambiri pazochitika zilizonse, kuyambira pazoyambira komanso zolinga zomaliza za kasitomala.

Kubwereketsa makampani: momwe mungasankhire zabwino (zodalirika komanso zosamala) - upangiri ndi malingaliro

5. Momwe mungasankhire kampani yodalirika yobwereketsa - upangiri wothandiza kuchokera kwa akatswiri 📌

Msika waku Russia lero, kubwereketsa kumaperekedwa ndi makampani ambiri. Zonsezi zimakopa makasitomala powapatsa zomwe akufuna, ndikufotokoza zabwino zonse. Nthawi yomweyo, zachidziwikire, sindiuza za mbuna za njira yobwereketsaosatchula zolakwika zake.

Wogula aliyense ayenera kumvetsetsa kuti palibe mapulogalamu obwereketsa omwe sangakhale ndi zovuta zilizonse ndipo angagwirizane ndi aliyense.

Akatswiri azachuma komanso azachuma amalimbikitsa kuti muphunzire mosamala mfundo izi posankha kampani yobwereketsa mgwirizano:

nthawi yayitali bwanji wobwereketsa pamsika wazachuma;
Kukhala bwino kwachuma pakampani yobwereketsa;
Kodi mbiri ya kampaniyo ndi yotani pankhani yazachuma;
momwe makasitomala achinsinsi, komanso mabungwe, amayankhira kwa wocheperako;
ndi zoletsa ziti zomwe zimaperekedwa chifukwa chobwereketsa mapulogalamu;
kukula kwa wobwereketsa - pamenepa, chidwi chimakhudzidwa ndikupezeka kwa nthambi mdziko muno, kukula kwa maukonde amchigawo;
muyezo wofunikira ndi mtengo wa ntchito zoperekedwa.

Mukamasankha wocheperako, ndikofunikira kuwunika zonsezi limodzi. Sitiyenera kuiwala kuti magwiridwe antchito amtunduwu zimadalira pakuwunika komwe kwachitika. Ndikofunika kumvetsetsa kuti cholinga chachikulu cha bungwe lililonse ndi kugula galimoto ndi kopindulitsa momwe zingathere ndimavuto ochepa.

Mndandanda wazokonda pakati pamakampani obwereketsa uyenera kuphatikiza mabungwe omwe akhala akugwira ntchito mumsika waku Russia kwazaka zambiri. Kuphatikiza apo, ayenera kukhala ndi mapangano ambiri omaliza.

Zinthu zina ndizofunikanso kwambiri. Mwa iwo:

kuchuluka kwa kutseguka kwa kampani;
momwe ikupezeka kwa makasitomala ake;
momwe ogwira ntchito pakampani yobwerekera amakhala ochezeka;
ndi antchito angati omwe akugwira ntchito ndipo ndi akatswiri otani.

6. Komwe mungagule galimoto (kapena galimoto) pobwereketsa - mndandanda wamakampani obwereketsa TOP-6 ku Russia 📑

Masamba ambiri amapereka mwachidule makampani obwereketsa, koma nthawi zambiri monga otsatsa. Tipereka mndandanda wa ocheperako omwe ali otchuka chifukwa cha mbiri yawo komanso momwe zinthu ziliri. Koma ziyenera kumveka kuti mndandanda wamakampani ndiwosiyana zigawo zosiyanasiyana.

Odziwika kwambiri ndi mabungwe otsatirawa:

1. Kubwereketsa VTB24... Kampaniyi ikufuna kukonza kubwereketsa kwa mayendedwe amtundu uliwonse, kuphatikiza njanji ndi ndege. Kampani yomwe idaperekedwa ndi yothandizirana ndi ngongole yobwereketsa VTB, likulu lake lili likulu. Kubwereketsa VTB24 ili ndi netiweki yayikulu yanthambi, yomwe imaphatikizapo 35 magawano.

2. Kubwereketsa Kwakukulu - bungwe lomwe linakhazikitsidwa mu 2008 ku Moscow. Kampani yobwereketsa iyi imakonza magalimoto obwereketsa malinga ndi mapulogalamu osiyanasiyana.Kuyambira kutsegulidwa kwa wobwereketsayo, ma contract ambiri adakwaniritsidwa, onse ndi mabungwe azovomerezeka komanso anthu. Lero chiwerengero chawo anaposa chikwi.

3. Kubwereketsa Sberbank - wocheperako banki yayikulu kwambiri yaku Russia. Kukula kwa mbiri yobwereka ya kampaniyi mu 2015 zopangidwa ndi 370 miliyoni miliyoni. Wocheperako amagwira ntchito ndi makasitomala pamitundu yonse yamabizinesi, kuyambira ang'onoang'ono mpaka akulu. Kuphatikiza apo, imagwira ntchito osati dziko lathu lokha komanso mayiko oyandikana nawo.

4. Europlan Ndi kampani yobwereketsa ku Moscow. Imakhazikika pakubwereketsa makina atsopano opangidwa ndi akunja. Kuphatikiza apo, pali pulogalamu yapaderadera yochita nawo bizinesi. "Onse kuphatikiza"... Amapereka mwayi wothandizila ena ambiri.

5. Kubwereketsa VEB Ndi kampani yaku Moscow yomwe imayang'ana kwambiri mabungwe azovomerezeka komanso amalonda ena pazinthu zake.

6. Intesa Kubwereketsa - kampani yobwereketsa yapadziko lonse yomwe idayamba ntchito zake mu 2001 Tsopano akugwira ntchito ndi makasitomala amalonda m'malo opitilira 20 aku Russia.

Osangodalira mwachidule mndandanda wawung'ono uwu. Ku Russia, makampani ambiri amapereka chithandizo chobwereketsa ndalama.

Mukamasankha bwenzi, muyenera kutsogozedwa ndi zolinga zamabizinesi, komwe wolemba malo ndi wobwereketsa, ndi zina.

Simuyeneranso kudalira kwathunthu malingaliro a ogwiritsa ntchito intaneti. Ndikofunika kuti tisonkhanitse zambiri zamakampani obwereketsa.

Kuphatikiza apo, zikhala zofunikira kuwunika mwatsatanetsatane zopereka zonse pamsika. Ngati simungathe kuzichita nokha, mutha kugwiritsa ntchito othandizira alangizi azachuma.

7. Mafunso omwe amafunsidwa pafupipafupi okhudza kubwereketsa magalimoto

Funso 1. Kodi mungabwereketse bwanji galimoto kwaulere popanda kulipidwa?

Ndizotheka kugula galimoto (kapena galimoto) pobwereketsa popanda ndalama zolipiriratu. Kuti muchite izi, muyenera kupeza wocheperako yemwe amapereka mapulogalamu okhala ndi zotere.

Nthawi zambiri, zopereka popanda kulipira ngongole zimaperekedwa ang'onoang'ono... Amayendetsa zotsatsa zosiyanasiyana. Komabe, makampani ang'onoang'ono obwereketsa amaperekanso ngongole zandalama popanda kulipira pasadakhale kuti athe kukulitsa mpikisano.

Zosankha zoterezi yopindulitsa osati kwa anthu okhaomwe alibe ndalama zolipirira koyamba. Komanso, mapulogalamu opanda zolipiritsa amathandizira mabungwe omwe angopangidwa kumene. Iwo akungoyamba kugwira ntchito, kotero sanakwanitsebe kupeza ndalama zopitilira patsogolo.

Mutha kukhala ndi chidwi ndi nkhani yathu "Malangizo ndi tsatanetsatane wa momwe mungatsegulire LLC nokha", pomwe tidasanthula njira pang'onopang'ono yolembetsera Company Liability Company.

Funso 2. Kodi ndingagule galimoto yogwiritsidwapo ntchito pangano?

Kupeza makampani omwe amapereka kubwereketsa magalimoto omwe agwiritsidwa ntchito ndizovuta. Otsikira ambiri amapereka kugula kokha magalimoto atsopano... Izi zikufotokozedweratu nthawi yomweyo malinga ndi mapulogalamu omwe akufuna kuti makampani azibwereka. Kuphatikiza apo, nthawi zambiri kubwereketsa kumangoperekedwa kwa mitundu ina yamagalimoto.

Komabe, pali makampani omwe akupitabe kukakumana ndi kasitomala ndipo konzani kubwereketsa magalimoto agwiritsidwe ntchito... Poterepa, wobwereketsa nthawi zambiri amagula galimoto ndikulembetsa ngati katundu, kenako amasamutsira kwa kasitomala kuti akagwiritse ntchito. Pamapeto pa mgwirizano, galimoto iyenera kugulidwanso.

P.S. Muthanso kugula galimoto yomwe mudagwiritsa ntchito pangongole.

Funso 3. Kodi zimaonetsa chiyani pobwereketsa magalimoto (magalimoto) ndi zida zapadera?

Kubwereketsa magalimoto ndi zida zomangira - mawonekedwe ndi zina

Galimoto (kuphatikiza zida zapadera) ndiokwera mtengo kwambiri, chifukwa chake zimakhala zovuta kuzigula ngati bungwe lovomerezeka. choncho kubwereketsa magalimoto onyamula katundu ndi mwayi wabwino kwambiri wogwiritsa ntchito zida zamtengo wapatali osatenga ndalama zazikulu nthawi imodzi.

Ambiri ocheperako akulu amapereka mwayi wogwiritsa ntchito mapulogalamu ogulira magalimoto ndi zida zapadera. Nthawi yomweyo, mapulogalamu amafunsidwa mwachangu, zikalata zochepa ndizofunikira, ndipo kukwera mtengo sikungakhale kwakukulu kwambiri.

Mapulogalamu obwereketsa kuti mugule magalimoto onyamula amakulolani kuti mugwiritse ntchito zida zosiyanasiyana:

dambo magalimoto;
magalimoto amitundu yosiyanasiyana;
mathirakitala;
ma trailer ndi ma semi-trailer.

Kuphatikiza apo, opanga zida zazikulu amapereka mapulogalamu opindulitsa. Amachita izi kudzera m'mabungwe ang'onoang'ono.

Tithokoze chifukwa chobwereketsa ndalama zonyamula katundu, mabungwe azamalamulo ali ndi mwayi wogwiritsa ntchito mayendedwe onyamula katundu ndipo mtsogolo adzaugula kukhala wawo, ngakhale atakhala kuti alibe magalimoto awoawo. Malori ogulidwa pansi pobwereketsa ayenera kulembetsedwa ndi apolisi apamtunda.

Wolembetsedwa ngati mwiniwake wamng'ono, ndiye amene amakonza kulembetsa, komanso kupitilira kuyendera ukadaulo. Kuphatikiza apo, ndi kampani yobwereketsa yomwe imalipira msonkho, ndipo imakakamizidwa kupereka chilengezo choyenera.

Nthawi zambiri, ochepera amapereka kuchotsera ndi maubwino amtundu uliwonse ngati agula magalimoto olandidwa. Poterepa, kasitomala amatha kusankha galimoto pazomwe zilandidwa.

Funso 4. Kodi kampani yobwereketsa itha kuchita chiyani ngati ndalama zichedwetsedwa pamgwirizano wamgwirizano?

Kubwereketsa ndikosiyana kwambiri ndi ngongole. Pankhani yachiwiri (Ngongole yagalimoto) ndalama zolipiratu zitaperekedwa kale, umwini wa galimotoyo umadutsa kwa kasitomala. Mosiyana ndi izi pamene kubwereketsa Galimotoyo ndi ya kampani yobwereketsa mpaka kumapeto kwa mgwirizano.

Wobwereketsa ali ndi mwayi, ngati kasitomala aphwanya malamulo amgwirizano, kuti abwezeretse galimoto kwa iye. Poterepa, palibe chifukwa chopita kukhothi, katundu atha kulandidwa mwachangu kwambiri.

Chifukwa chake, kuchedwa kwa zolipira polembetsa magalimoto obwereketsa sikofunika. Izi ndizodzaza ndi zosasangalatsa.

Ngati, komabe, pali zovuta zilizonse, ndibwino kuti muzidziwitse kampani yobwereketsa mwachangu. Pachifukwa ichi, zidzatheka kuti mugwirizane ndikupewa kulandidwa kwa galimotoyo.

Tikukhulupirira kuti mukawerenga nkhaniyi, mwayamba kumvetsetsa bwino tanthauzo la kubwereketsa magalimoto. Tinayesanso kufotokozera m'mawu osavuta komanso omveka bwino momwe kubwereketsa magalimoto kumasiyana ndi ngongole yagalimoto, momwe kuli koyenera kugwiritsa ntchito makampani obwereketsa, komanso momwe mungatengere kubanki kuti mugule galimoto. Kuphatikiza apo, tidakambirana magawo omwe amalembetsa kubwereketsa kwa anthu ndi mabungwe azovomerezeka (omwe adapereka malangizo mwatsatanetsatane).

Musaiwale kuti musanavomereze zovomerezeka za omwe ali ochepera, muyenera kuphunzira mosamala zonse zomwe zikupezeka pamsika. Ndikofunikira osati kungolemera chilichonse zabwino ndi zoyipa, komanso pangani kuwerengera mapulogalamu osiyanasiyana. Nthawi yomweyo, simuyenera kunyalanyaza ndi ngongole zagalimoto.

Iyi ndiyo njira yokhayo yosankhira njira yopindulitsa kwambiri.

Tikukulangizaninso kuti muwonere kanema wonena za kubwereketsa - ndi chiyani komanso momwe mungaperekere galimoto kwa anthu ndi mabungwe azovomerezeka:

Ndi kanema pamutu wakuti "Kubwereketsa magalimoto kwa makasitomala achinsinsi (anthu)":

Tiyenera kukumbukira kuti wogula wamba(osati kwa katswiri) Zingakhale zovuta kuti pakhale kuwerengera palokha kuti mufufuze bwinobwino. Chifukwa chake, zikhala zofunikira kulumikizana kwa mlangizi wa zachuma... Katswiri wodziyimira pawokha sangathe osati kuwerengera kokha, komanso kuchita kafukufuku wofanizira.

Maganizo Athu pa Moyo akuyembekeza kuti nkhaniyi yakuthandizani. Tikufuna owerenga athu onse kukhala ndi chuma komanso mwayi wabizinesi. Tidzakhala othokoza ngati mungayese nkhani yathu. Tidzakhalanso okondwa kulandira ndemanga ndi mafunso anu.