UbuNcedo obuCwangcisiweyo bokuQesha iiNqwelomoya emva kuShishino loPhapho lwanamhlanje
Yintoni i-Aircraft Leaseback? I-Florida Flyers Flight Academy iye yakhula ngokuthe ngcembe. Ngaphezulu kwe-11,000 izatifikethi zokulingwa kunye nemilinganiselo ekhutshwe kwiiFlyers zaseFlorida ngokuhamba kwexesha. Nokuba kukho inqwelo-moya yangoku ukuya kuthi ga kwi-30+, imfuno yoqeqesho lokubhabha iphezulu kunezixhobo zethu ezikhoyo. Inqwelomoya yethu nganye ibhabha malunga neeyure ezingama-50-100+ ngenyanga. Sijonge ukwandisa yethu izithuthi zangoku kunye nokubonelela ngeendlela zokuqeshisa ngenqwelomoya ezinengeniso kubanini beenqwelo-moya. Sinomdla kakhulu kwiCessna 172 kunye/okanye inqwelomoya yePiper, eyakhiwe emva kwe2001.
Ukuba unomdla ekusebenzisaneni neFlorida Flyers, nceda zoqhagamshelwano isebe lethu lokuqeshisa ngeenqwelomoya.
Umba wokuqeshiswa kweenqwelomoya umva awuyonto intsha, ukanti ifumana ingqalelo enkulu kushishino lweenqwelomoya lwanamhlanje. Ngamagama alula, ukuqeshisa ngenqwelomoya lilungiselelo lemali apho umnini wenqwelomoya athengisela inkampani eqashisayo inqwelomoya yakhe aze ayibuyisele. Eli lungiselelo livumela umnini-nqwelo-moya ukuba aqhubeke esebenzisa inqwelo-moya ngeli lixa efumana imali yokuhlawula amatyala kwangoko.
Ulungiselelo lwasemva lokuqeshisa ngenqwelo-moya lufana nesivumelwano sokurenta sexesha elide. Umnini uyayithengisa inqwelo-moya kodwa ugcina ulawulo lokusebenza, ehlala ehlawula imali yokuqeshisa ngenyanga kwinkampani eqashisayo. Olu hlobo lolungiselelo luthandwa kakhulu phakathi kwabanikazi bejethi beenkampani kunye neenqwelomoya zorhwebo.
Amathuba okuqeshwa kweenqwelomoya kunye namalungiselelo abonelela ngenani leenzuzo zeqhinga kushishino lwezophapho. Ibonelela ngendlela yokuba iinkampani zeenqwelo moya kunye nabanye abanini beenqwelo moya bakhulule imali eyinkunzi, balawule umngcipheko, bade baqonde izibonelelo ezithile zerhafu. Kodwa, njengaso nasiphi na isicwangciso sezemali, kubalulekile ukuqonda ama-nuances ayo ngaphambi kokuphunyezwa.
Phakathi kweenzuzo ezininzi zokuqeshiswa kweenqwelo-moya, inzuzo yerhafu idla ngokuba yeyona nto inomtsalane. Ezi zibonelelo zinokuza ngeendlela ezahlukeneyo, njengokutsalwa kwerhafu yokuthengwa kwenqwelomoya kunye nemithetho yerhafu yokuhla kwexabiso lenqwelomoya.
Ilungiselelo lokubuyela umva lokuqeshisa ngenqwelomoya livumela umnini ukuba atsale iindleko zenqwelomoya kwingeniso yakhe erhafiswayo. Oku kunokubangela ukongiwa kwerhafu okubalulekileyo, ngakumbi kwabo bamkela umvuzo ophezulu okanye amashishini anengeniso. Ukongeza, iintlawulo zengqeshiso ezenziwe kwinkampani eqeshisayo nazo ziyatsalwa irhafu ngokubanzi.
Olunye uncedo olubalulekileyo lwerhafu lokuqeshiswa kwenqwelomoya ngasemva kukukwazi ukuthatha ithuba lemithetho yokuhla okukhawulezileyo. Oku kuvumela ukuba inxalenye enkulu yeendleko zenqwelo-moya itsalwe kwiminyaka yokuqala yokuqeshisa. Indibaniselwano yezi nzuzo zerhafu inokwenza ukuba iinqwelomoya ziqeshise umva isicwangciso esinomtsalane kubanini beenqwelomoya abaninzi nabaqhubi.
Olona ncedo luphambili lokuqeshiswa kweenqwelomoya ngasemva kukutsalwa kwerhafu yokuthengwa kwenqwelomoya. Xa umntu okanye inkampani ithenga inqwelomoya, ngokuqhelekileyo yenza utyalo-mali olukhulu lwezemali. Ngokusebenzisa ilungiselelo lokubuya lokuqeshiswa kwenqwelo-moya, olu tyalo-mali lunokufunyanwa ngokukhawuleza ngakumbi ngokutsala iindleko zenqwelo-moya kwingeniso erhafiswayo.
Ukutsalwa kwerhafu yokuthengwa kwenqwelomoya akupheleli kwixabiso lokuqala lokuthenga inqwelomoya. Ikwanabela nakuluphi na uphuculo olwenziwa kwinqwelomoya, olufana nokuphuculwa okanye ukulungiswa. Neendleko ezinxulumene nokusebenza kwenqwelomoya, njengamafutha kunye ne-inshurensi, zinokutsalwa irhafu.
Nangona kunjalo, kubalulekile ukuqaphela ukuba oku kuxhuzulwa kwerhafu kuxhomekeke kwimida kunye nemithetho ethile. Umzekelo, inqwelomoya kufuneka isetyenziselwe iinjongo zoshishino ubuncinci i-50% yexesha ukuze ifanelekele ukuxhuzulwa. Ngaphezu koko, uxhuzulo alunako ukudlula umvuzo orhafiswayo womnini.
Enye inzuzo yerhafu yokuqeshiswa kwenqwelomoya ijongana nayo imithetho yerhafu yokuhla kwexabiso. Ukuhla kwexabiso kukutsalwa kwerhafu okuvumela amashishini ukuba afumane kwakhona iindleko ze-asethi ebiza kakhulu ekuhambeni kwexesha. Kubanikazi beenqwelo-moya, oku kunokuba yinzuzo enkulu yemali.
Kwiimeko eziqhelekileyo, inqwelo-moya inokuhla kwithuba leminyaka eliqela. Nangona kunjalo, ilungiselelo lokubuyela umva lokuqeshisa ngenqwelomoya linokuvumela ukuhla kwexabiso okukhawulezileyo. Oku kuthetha ukuba inxalenye enkulu yeendleko zenqwelo-moya inokutsalwa kwiminyaka yokuqala yesivumelwano.
Kukho imigaqo ethile kunye nezithintelo ekufuneka ziqwalaselwe xa kuziwa ekuhlahleni kwexabiso leenqwelomoya. Ngokomzekelo, inqwelo-moya ifanele isetyenziselwe iinjongo zoshishino, yaye ucwangciso lokuhla kwexabiso lumele lulandelwe ngokungqongqo. Ngaphaya koko, ukutsalwa kwexabiso lokuhla akunakudlula ingeniso erhafiswayo yomnini.
Ngaphandle koncedo lwerhafu, ukuqeshiswa kweenqwelomoya ngasemva kunikezela ngeenzuzo zeqhinga ezinokuba luncedo kumashishini akwishishini lokuhamba ngenqwelomoya. Enye yeenzuzo eziphambili zeqhinga kukukwazi ukukhulula inkunzi.
Ngokuthengisa inqwelo-moya baze bayiqeshise kwakhona, amashishini anokufumana imali ngokukhawuleza. Le mali ingasetyenziselwa ukutyala imali kwezinye iindawo zeshishini, ukuhlawula amatyala, okanye ukuthenga iinqwelo-moya ezongezelelweyo. Ngaphezu koko, iintlawulo zokuqeshisa zihlala ziphantsi kuneentlawulo zemali-mboleko, ezinokuthi ziphucule ukuhamba kwemali.
Enye inzuzo yeqhinga kulawulo lomngcipheko. Iinqwelomoya zihla ixabiso lexabiso, nto leyo ethetha ukuba ixabiso lazo liyehla ngokuhamba kwexesha. Ngolungelelwaniso lokubuya kwengqeshiso, umngcipheko wokuhla kwexabiso ugqithiselwa ukusuka kumnini ukuya kwinkampani erentisayo.
Kushishino lwezophapho lwanamhlanje oluvela ngokukhawuleza, ukuqeshiswa kweenqwelomoya ngasemva kutshintsha umdlalo. Iinzuzo zemali kunye neqhinga lolu lungiselelo zikhokelela amashishini amaninzi ukuba athathelwe ingqalelo njengento enokwenzeka.
Ngokukhulula imali eyinkunzi kunye nokulawula umngcipheko, amashishini anokuba nokhuphiswano ngakumbi kwaye axhathise. Bangatyala imali kubuchwepheshe obutsha, bandise imisebenzi yabo, okanye baphucule nje uzinzo lwemali.
Ngaphezu koko, izibonelelo zerhafu zokuqeshisa ngenqwelomoya ngasemva zinokunyusa ingeniso. Ngokunciphisa ingeniso erhafiswayo, amashishini anokuqonda ukonga irhafu ebalulekileyo. Olu londolozo lunokuthi ke luphinde lutyalwe kwishishini, luqhubele phambili ukukhula kunye nempumelelo.
Xa uvavanya izibonelelo zemali zokuqeshiswa kwenqwelomoya, kubalulekile ukuqwalasela zombini iimpembelelo zexesha elifutshane kunye nezexesha elide. Ngexesha elifutshane, ukuhlawula amatyala kwangoko kunye nokongiwa kwerhafu okunokubakho kunokuba luncedo kakhulu.
Nangona kunjalo, kubalulekile ukuqwalasela impembelelo yemali yexesha elide. Iintlawulo zokuqeshisa, ngelixa zihlala zingaphantsi kweentlawulo zemboleko, ziya kuqhubeka ngexesha lokuqeshisa. Ngaphezu koko, ekupheleni kwesivumelwano, ishishini aliyi kuba ngumnikazi wenqwelomoya.
Ke ngoko, kubalulekile ukwenza uhlalutyo olucokisekileyo lwezemali ngaphambi kokuba ungene kulungiselelo lokubuya lokuqeshisa ngenqwelomoya. Oku kufuneka kubandakanye uhlolo lweenzuzo zerhafu ezinokubakho, ifuthe lokungena nokuphuma kwemali, kunye neempembelelo zemali zexesha elide.
Njengenxalenye yesicwangciso esibanzi seshishini, ukuqeshisa ngenqwelomoya ngasemva kunokubonelela ngomda wokukhuphisana. Kwishishini apho inkunzi isoloko ibotshelelwa kwii-asethi, ukukhulula imali yokuhlawula amatyala kunokwenza umahluko omkhulu.
Ngaphezu koko, ukukwazi ukulawula umngcipheko kunye nokuqonda ukongiwa kwerhafu kunokubonelela ngeenzuzo ezicwangcisiweyo. Ngokusebenzisa ezi zibonelelo, amashishini anokuba nokhuphiswano ngakumbi, omelele, kwaye aphumelele kwishishini lokuhamba ngenqwelomoya.
Nangona kunjalo, njengaso nasiphi na isicwangciso soshishino, kubalulekile ukuba ukuqeshwa kwenqwelomoya kuphunyezwe ngengcinga nangononophelo. Amashishini kufuneka asebenze nabacebisi abanamava kwaye enze uhlalutyo olucokisekileyo lwezemali ukuqinisekisa ukuba esi sicwangciso sihambelana neenjongo zabo kunye neenjongo zabo.
Ukuphumeza ilungiselelo lokubuya lokuqeshisa ngenqwelo-moya kufuna ukucwangciswa ngononophelo noqwalaselo. Nazi ezinye iindlela ezilungileyo zokuziqwalasela:
Ukuqeshisa ngeenqwelomoya ngasemva lulungiselelo lwezemali oluntsonkothileyo olunama-nuances amaninzi. Kubalulekile ukusebenza nabacebisi abanamava abayiqondayo ins kunye nokuphuma kwesi sicwangciso.
Ngaphambi kokuba ungene kulungiselelo lokubuyela umva kwinqwelomoya, yenza uhlalutyo lwemali olucokisekileyo. Oku kufuneka kubandakanye uvavanyo lweenzuzo zerhafu ezinokubakho, iimpembelelo zokungena nokuphuma kwemali, kunye nefuthe lemali elide.
Kubalulekile ukuqonda ngokupheleleyo imiqathango yengqeshiso, kubandakanywa ubude bexesha, imiqathango yentlawulo, kunye nokuba kwenzeka ntoni ekupheleni kwesivumelwano.
Ngaphaya kweenzuzo zemali, qwalasela iziphumo ezicwangcisiweyo zokuqeshisa ngenqwelomoya. Iza kuba nefuthe njani kwindawo yokhuphiswano lweshishini lakho? Ngawaphi amathuba aya kudala?
Njengoko ishishini lophapho liqhubeka nokuvela, indima yokuqeshisa ngeenqwelomoya ngasemva kusenokwenzeka ukuba ibaluleke ngakumbi. Ngeenzuzo zayo zemali kunye neqhinga, eli lungiselelo libonelela ngesisombululo esisebenzayo kumashishini afuna ukwandisa izixhobo zawo kunye nokulawula umngcipheko.
Nangona kunjalo, njengaso nasiphi na isicwangciso-qhinga sezemali, kubalulekile ukujongana neenqwelo-moya zokuqeshisa umva ngokuqonda okucokisekileyo kunye nokucwangcisa ngononophelo. Ngokwenza njalo, amashishini anokusebenzisa ngokupheleleyo izibonelelo zesi sicwangciso kwaye aqhubele phambili imingeni yoshishino lweenqwelomoya ngokuzithemba.
Ukuqukumbela, ikamva lokuqeshwa kweenqwelomoya emva kwishishini lokuhamba ngenqwelomoya likhangeleka lithembisa. Njengoko amashishini amaninzi eqaphela ukubanakho kwawo, kusenokwenzeka ukuba ibe ngundoqo kwisicwangciso soshishino lophapho.
Ividiyo malunga nokuQeshwa kweNqwelo-moya
