Hugo Jorge wochokera ku Fleet Magazine wapanga mndandanda wa mayankho omwe angakhale othandiza kwambiri kwa inu pogula galimoto (kapena kukhala…). Ngongole, Kubwereketsa, Kubwereka, Kubwereka galimoto kapena kugawana Magalimoto? Mwasankha.
Ngati mukuganiza kuti muyenera kusunga ndalama kapena kupempha banki ndalama zogulira galimoto, mukulakwitsa. Pali njira zingapo zopezera ndalama zamagalimoto atsopano. Nazi zina:
- Ngongole: Ndi njira yachikhalidwe yogulira galimoto. Zonse zogwiritsidwa ntchito komanso zatsopano. Choperekacho ndi chachikulu, kuchokera ku mabanki kupita kumakampani apadera azachuma. Wogulayo abwereka ndalama ndikugula galimotoyo, yomwe ili m'dzina lake. Kuchokera pamenepo, ingolipirani magawowo. Ndi kudzipereka kokha komwe muli nako. Palibe chophweka.
- Kubwereketsa: Chogwiritsidwa ntchito kwambiri ndi makampani, chakhala chikutayika chifukwa cha njira zina zopezera ndalama, monga kubwereketsa. Ma SME ndi eni eni okha amakhulupirira kwambiri dongosololi. Wogwiritsa ntchito galimotoyo si mwiniwake. Mwiniwake ndi kampani yobwereka, yomwe imabwereketsa kwa kasitomala (koma ndi kasitomala amene amasankha). Ndalama zomwe zaperekedwa ndizongoyerekeza ndi nthawi yogwiritsidwa ntchito. Mwanjira ina, ngati mgwirizano ndi miyezi 60, ndalama zomwe kasitomala amalipira ndi mtengo wagalimoto kuchotsera zomwe zimafunikira pakadutsa miyezi 60. Pamapeto pake, akhoza kugula yekha galimotoyo. Mutha kuwonjezera ntchito.
- Kubwereka: Imatchedwanso lease (AOV), ndi dongosolo lomwe lili ndi gawo lamphamvu kwambiri la ntchito. Chomwe chimagwiritsidwa ntchito ndikugwiritsa ntchito galimoto, kuphatikizapo ntchito zomwe zimabwera chifukwa chogwiritsa ntchito. Ntchito, matayala, inshuwaransi ndi IUC ndi gawo lazinthu zoyambira zobwereketsa. Koma izi zitha kukhala ndi kasamalidwe ka mafuta, galimoto yosinthira ndi mitundu ina ya inshuwaransi. Mofanana ndi kubwereketsa, wogulayo alibe galimoto. Woyang'anira zombo ndi eni ake katunduyo ndipo amatsimikizira ndalama zokhazikika pazantchito zonsezi pakapita nthawi. Pamapeto pake, mumayang'anira kugulitsa galimoto kumsika wogwiritsidwa ntchito. Zomwe zimagwiritsidwa ntchito ndi makampani, zimayamba kukhala ndi makasitomala ambiri.
- Kubwereketsa galimoto: Ndilo dongosolo losavuta la izi zazikulu zinayi. Wogula amabwereka galimoto kwa nthawi yodziwika. Sasamala kalikonse, kungoyika mafuta. Kubwereketsa galimoto lero sikulinso kubwereketsa tsiku ndi tsiku, kupeza mayankho azinthu zazitali komanso mitengo ndi ntchito zogawika malinga ndi zosowa za makasitomala.
- Kugawana magalimoto: idayamba ngati lingaliro lakugawana magalimoto pakati pa anthu angapo omwe anali ndi tsogolo lomwelo, koma idasintha ndipo lero ndi msika wosinthika. Pogawana magalimoto, wogwiritsa ntchito amasankha galimoto yomwe yayimitsidwa pamalo enaake ndikulipira nthawi yogwiritsidwa ntchito komanso mtunda womwe wadutsa. Ndi chithandizo champhamvu chaukadaulo, ndi chitsanzo chomwe makampani amagalimoto okha amakhala ndi chikhulupiriro kumizinda yayikulu.