Ukuthenga imoto ngokokuqala ngangoko kunokumangalisa. Ukhetho owenzayo kwinkqubo yokuthenga imoto kunokuchaphazela ikusasa lakho lemali kwiminyaka ezayo. Ukwenza uphando oluthile ngaphambi kokuthenga kwakho kuya kukufumana kwindlela elungileyo ukuba ube ngumnini wemoto ophumelele kakhulu.
01 Qaphela: Yazi indlela yokukhetha imoto eyiyo
Mhlawumbi sele sele ucinga ngoluphi uhlobo lwesithuthi onomdla wokuthenga. Qinisekisa ukuba uneenkcukacha zonke ezixutywe ngaphandle.
- Uhlahlo lwabiwo-mali: Musa ukuhlawula ibhajethi yakho kwimoto. Ukwazi ukuba imoto enokuyithenga ibaluleke kakhulu. I-Factor kwintlawulo yakho yemoto kunye neendleko zomshuwalense wemoto. Sebenzisa i-calculator yemali yemali yokubolekisa ngemali ukujonga iintlawulo zakho zenyanga.
- Uqoqosho lwe-Fuel: Akuwona wonke umntu ojongene noqoqosho lwezoqoqosho. Nangona kunjalo, kuyinto ekufuneka uyiqwalasele ukuba unomsebenzi omude wokubuya uye esikolweni okanye emsebenzini.
- Ilungelo Inani lezihlalo: Ukuqwalasela ukwandisa intsapho yakho kusasa? Ngaba abantwana bakho baya kwixesha lokufuna ukuya kwindawo kunye nabahlobo babo? Isithuthi semoto esithandathu singenakwanela. Kufuneka ufune ukucinga okufutshane kwikamva. Njengoko ndikhankanywe ngaphambili, awufuni ukukhwela imoto kwakhona ngexesha elifutshane.
- Amandla okujika: Into ekufuneka uyiqwalasele xa ukhetha isithuthi ukukhwa kwayo. Ukuba i-camper, i-boat, okanye i-trailer ikwikamva lakho, uya kufuna ukukwazi ukuyihlawula. Iikiti ze-Tow zingongezwa kwixesha elizayo, kodwa uya kufuna ukuqinisekisa ukuba isithuthi sakho sikwazi ukwenza umsebenzi.
- Ukhuseleko: Ii-airbags ezimbini, i-airbags zengqengqelo, iisenti zengqondo ezingaboniyo, umsizi wokupakisha, ukulinganisa ukuphazamiseka kunye nezinto ezininzi zokukhusela ziyafumaneka. Ukhuseleko luhlala lubalulekile kwaye kukulungile ukugcina engqondweni kuba abathwali bomshuwalense yemoto bathanda iimpawu zokhuseleko.
- Isondlo: Ezinye izithuthi zithengisa ngakumbi ukugcina kunezinye. Yenza uphando oluncinane malunga nokugcina imoto yakho entsha yokuthenga ngaphambi kokuya kuyo. Isondlo sinokubandakanya uhlobo luni lwegesi ezithatha imoto, ukutshintshwa kweoli, kwiindleko ezingakanani.
- Iindlela eziphezulu zeTeknoloji: Ukuhamba kunye nokufudumala kwezifudumezi kuhle kodwa kufuneka kulungele uhlahlo lwabiwo-mali.
02 Yiba yi-Smart: Yazi indlela yokufumana imali engcono kakhulu
Ukuba ngaba ngokwenene yayiyindawo "ephambili" yokufumana imali, zonke ezinye iinketho ziya kuphuma kwishishini. Ihluke apho i-intsebenziswano efanelekileyo ixhomekeke kwizinto ezikhoyo kunye nokuba umgangatho wakho wekredithi uyakufanelekela. Abantu abaninzi bafunga ngemanyano yesikweletu, kodwa unokufumana into engcono kumthengisi.
Yintoni echaza iRhafu?
Ezi zinto zimbini eziphambili ezenza isigqibo somyinge ofumanayo yilapho ufumana khona mboleko (esiye sathetha ngayo), ixesha lakho kunye nomlinganiselo wakho wekhredithi.
- Ixesha: Amanani aya phezulu kwaye ahla. Kwakukho ixesha apho umboleko wepesenti yentengo kwi-car engazange yenziwe. Ukuba ucinga ukuthenga imoto, qaphela iirhafu kodwa andiyi kugcina ekuthengeni amaxabiso ukuba ahla ngenxa yokuba ayenyuke!
- Ikhredithi yeTyala: Ukuba awuqinisekanga malunga namanqaku akho ekhredithi, unokuyiqhuba ngokukhululekile ngokwakho nge-AnnualCreditReport.com. Abanye abantu abafuni ukuqhuba ingxelo yabo ngokwabo ukuze baqale kwimanyano yeebhanki okanye ibhanki ukuze kungabikho ukujongana nomthengisi wemoto okwamanje. Emva kokuba unomvuzo wakho wekhredithi ugijimela umbolekisi owenziweyo, amanqaku akho angaya phantsi amanqaku ambalwa. Ngokuqhelekileyo, kucingwa ukuba uzothengisa ixesha elifutshane kunye nokuhlola okungafuneki ukuhlawula amanqaku akho. Ingongoma leyo, ungenayo umboleki wemoto ugijime amanqaku akho ngaphandle kokuba uqinisekile ukuba uza kulandela ngokuthenga inkqubo yemoto. Funda oko kuthintela amanqaku akho ekwereta ukukunceda ukuphucula ukulinganiswa kwemali yakho.
Kude kube nini Unomali Wakho Imoto?
Kuxhomekeke ukuba ngubani ocela ukuba lide kangakanani imali. Unyulo oluninzi lunokufumaneka kwaye ngamnye unelungelo lokuxhamla. Ubude bemboleko yemoto kaninzi kubhalwa kwiinyanga. Ubude obuqhelekileyo buquka iinyanga ezingama-24, iinyanga ezingama-36, iinyanga ezingama-48, iinyanga ezingama-60, ii-72 kunye neenyanga ezili-84.
- Imali-mboleko yexesha elifutshane (iiinyanga ezingama-24 ukuya kwezi-48): Okukhulu ukugcina okanye ukuhlala phambi kwexabiso lemoto. Ngamanye amaxesha inzala encinci yenzalo ihlawulwa ngemali-mboleko yesikhashana.
- Umyinge wexesha leMali-mboleko (iinyanga ezingama-60): Eyona nto iyona nto ixhaphake ngayo kodwa ilahlekelwa ngumhlaba kwiimali-mboleko zexesha elide.
- Imali-mboleko yexesha elide (iinyanga ezingaphezu kwe-60): Uza kuba netyala elingaphezulu kunokuba imoto iyafaneleka kangakanani ngemali-mboleko ende. Amanani omdla amaninzi aphezulu. Abantu abaninzi banokukhetha le ndlela ngenxa yentlawulo ephantsi yenyanga.
03 Yiba nezakhono: Yazi indlela yokufumana umgaqo-nkqubo we-Inqwelo-mali engcono kakhulu ye-Car Car
Umlinganiselo wokuCamngca
- Imilinganiselo ekhethiweyo yeMfanelo 100/300/100: Ukunyameka kukukhusela xa ulimaza umntu othile okanye ukhupha omnye umntu. I-100 / 300/100 imida ekhethiweyo kunye nabathwali bomshuwalense bahlala bevuza abaqhubi ngamanani aphantsi ukugcina imida ekhethiweyo. Urhulumente ngamnye unemiqathango yawo yemida emncinci efunekayo ukuqhuba ngomthetho. Ukungaphumeleli kwintengiso yomshuwalense weenqwelo-mali kubakhokelela kwimali ephezulu.
- Uncedo lwezonyango : Inyununu yonyango yempilo xa ubandakanya ukulimala kwiingozi zeemoto ezincinci. Ukhuseleko lwezokwelapha lukhusela wena nabagibeli bakho xa benzakele engozini yemoto.
- Ukuqonda : Ukulimala komzimba kwimoto yakho kunokuvela kwiindlela ezininzi ezahlukeneyo. Ukukhuselwa ngokubanzi kukukhusela ngomlilo, ukweba, ukuchithwa kwezinto ezimbi, izilwanyana kunye nomonakalo wesiphepho. Nantoni na ngaphandle kokungqubana. Ukuqhelaniswa ngokuqhelekileyo kuyimfuneko kuphela ukuba unomboleko kwisithuthi.
- Ulungelelaniso : Cwangcisa ukungena engozini yemoto? Ewe, akukho mntu uceba ukuba kodwa yonke imoto endleleni isengozini. Ukugqithwa kobambiswano kuya kunceda ukulungisa isithuthi sakho xa usengozini yemoto kunye nemoto okanye into engaphiliyo.
I-deductible yintlawulo oyihlawulayo epokothini xa isithuthi sakho sifanele silungiswe emva kwengozi ekhuselekileyo. Ukunikwa kwezonyango kudla ngokuza kunye ne-deductible. Ephakamileyo ukhethiweyo ukhetha, ixabiso lemali yomshuwalense wemoto. I-agent ye-inshorensi icacise iinqununu ezininzi ezahlukileyo ukwenzela ukuba ubone ukuba ngaba kuthintela njani u-inshurensi yemoto yakho.
Ukufumana umgaqo-nkqubo womshuwalense wemoto kunokusongela kwaye kubiza. Indawo enkulu yokuqala yinkampani efanayo kunye nabazali bakho. I-arhente iya kuba nayo yonke ingcaciso yakho, uza kufuneka kuphela ukubonelela unyaka, yenza kunye nemodeli yesithuthi sakho.
Ibhonasi - Ukuba usebenzisa i-inshurensi ye-inshurensi yabazali bakho, unokugcina imali eninzi. Ngaba ngabazali bakho bane-insured home yabo? Unokwazi ukufumana isaphulelo semigaqo-nkqubo kwimali yomshuwalense wemoto yakho. Unokuba usenokukwazi ukufumana isaphulelo semimandla ngokubambisana nomgaqo-nkqubo wabazali bakho. Lezo zizaphulelo ezilungileyo kakhulu ezikhoyo. Ukuba unako ukuzifumana, mhlawumbi akudingeki ukuba uthengise abanye abathwali bomshuwalense. Umntu akanako ukuwubetha.
Ukuqalisa iNkqubo ye-Intsha yomshuwalense weNqwelo yeNqwelo ye-Car With No Priorverage
Iingcebiso ezilungileyo zokufumana umgaqo-nkqubo womshuwalense wenqwelo-mshangu ngaphandle kokuqala ukuthengwa. IiRhafu zingahluka kakhulu kwi-inshurensi yenkampani ukuya kwintsimbi yomshuwalense. Ininzi ivumela ukuba iinkampani zomshuwalense zihlawulise izinga eliphezulu kubantu abangenayo inqwelo-mali yangaphambili. Oko kuthetha ukuba unokufuneka uhlawule izinga eliphakamileyo kwiinyanga ezintandathu zokuqala. Emva kwexesha lokuqala, kuyilungileyo ukuthenga ngezinga eliphantsi.
Inqwelo-mali yomshuwalense ingaba yindleko enkulu ngakumbi kubaqhubi abangenayo ingxelo yokuqala. Qinisekisa ukuba ufumane isicatshulwa ngaphambi kokuhlala phantsi nomthengisi wemoto.
Yongeza iPalas Payee
Yinyamekele eli nyathelo xa ubeka umshuwalense womshuwalense wakho kwaye ungasindisa ixesha kunye nokuphazamiseka kwixesha elizayo. Xa uhlawula isithuthi, umbolekisi uya kufuna ukudibaniswa njengendleko yokulahlekelwa. Ngokwenene, unike igama negama lomboleki wakho kummeli wakho we-inshorensi, kwaye baya kuzinyamekela abanye.
Emva kokuba umbolekisi wongezwa njengomvuzo wokulahlekelwa, baya kufumana izaziso malunga nomgaqo-nkqubo womshuwalense wemoto. Susa isithuba sokutshintshwa, utshintshe i-deductible yakho, okanye ungaphuthelwa intlawulo kwaye umnini-mboleko wakho uya kwaziswa ngokuzenzekelayo ngeposi. Ababolekisi bafuna ukwazi olu lwazi kuba ngokuqhelekileyo inxalenye yesivumelwano semboleko yokugcina inqwelo-mali yomshuwalense ngamaxesha onke.