UkuPhepha ezi mpazamo kunokukunceda uwaka iiwaka zamaDola
Kwabaninzi, imoto iyimfuneko. Uninzi lwethu luthembela kwizithuthi zethu ukuba zisenze kwaye zisuke emsebenzini zisuku zonke, ukuthutha abantwana ukuya kwiimpumelelo, kwaye zize zize zizenzele ukuzonwabisa. Ngenxa yokuba zibaluleke kakhulu ebomini bethu, abaninzi abantu bafuna isithuthi esinokuthenjwa , ukhululekile, kwaye, ewe, mhlawumbi nokuba ngumncinci. Ukhetho lwezithuthi luhlala luphela kwaye abathengisi bemoto bayaziwayo ngokuqinisekileyo, ngoko kukufumana ukudibanisa okulungileyo kwezifunayo kunye neemfuno ngexabiso elithengekayo elinokuthethelela.
5 Imoto yokuthenga iimpazamo zokugwema
Xa usemarikeni yesithuthi esitsha, into enokuzilungela yona iya kulungiswa. Ngoko nantsi iiphoso ezi-5 ezinkulu zokuphepha xa uthenge isithuthi esilandelayo:
Iimoto ezithengisa kakhulu kwihlabathi.
- Ukucinga ngokuphathelele intlawulo yenyanga. Abaninzi kakhulu abantu abahamba emotweni kunye nokucwangcisa ukubhala isheke okanye ukuhlawula imali ngemoto yabo, kwaye abathengi bayazi oku. Enyanisweni, abaninzi baxhomekeke kule nyaniso kwiindawo zabo zokuthengisa. Oku kuchaza nokuba kutheni uxoxiswano luhlala lubhekiselele ukuba ungakanani ukuhlawula imoto nganye ngenyanga. Kodwa kugxininiso lwebhajethi yenyanga yindlela elula kakhulu ukuyisebenzisa kakhulu kwivenkile yakho elandelayo . Xa uthetha intengo, umthengisi unokwenza izinto ezininzi ukwenza ukuba phantse nayiphi na imoto ifanele ibhajethi yakho. Benza oku ngokulungisa utshintsho kumlinganiselo wenzalo , ukunikezela ixesha elide kumbolekisi, okanye ukulungiswa kwemali ngendlela edala intlawulo ehambelana nebhajethi yakho. Kungabonakali njengento enkulu, kodwa kunye neepesenti ezongezelelweyo zeepesenti okanye unyaka owongezelelweyo ngemali mboleko ingongeza amawaka eedola kwiindleko ezipheleleyo zithuthi. Xa ukuhlawula imoto ephakathi kwe-US kuye kwaba phakathi kwe-$ 471 kunye ne-$ 482 ngenyanga ngenyanga embalwa edlulayo, kubalulekile ukuba ujonge ukuba yintoni imali ekukufumene yona.
- Ukuthenga ezintsha ngokusetyenziswa. Isithuthi asiyilo-mali-ubuncinane. Izithuthi ziyahlawuleka ngokukhawuleza, ngoko ke xa uthengela isithuthi esitsha, ungalindela ukuba ihlawule ngokuqhubekayo kwixabiso ukusuka kwithuba othabatha ubunini. Enyanisweni, imoto entsha iyancipha kwixabiso ngeli-25% -40% kwiminyaka emibini yokuqala. Into engcono kakhulu ongayenza kukuba uvumele omnye umntu athabathe u-40% wokuqala ngokuthenga isithuthi esisetyenzisiweyo sonyaka okanye ezimbini ubudala.
Kwiminyaka edlulileyo, kwakukho isizathu esihle sokuthenga esitsha kwaye oko kwakuyiwaranti. Namhlanje, ezininzi iinqwelo zineemvume ezininzi ezingasetyenziswayo nangona uthenge imoto eneminyaka embalwa ubudala. Ukongezelela, unako ukukhetha ukuthenga iwaranti eyongezelelweyo, eyinto ephantsi kakhulu kunexabiso lemoto elahlekile kunyaka wokuqala okanye ezimbini.
- Ukukhetha isithuthi esingalunganga. Ngaba ungumntu oyedwa ofuna imoto ukuba ufike uye emsebenzini ukususela ngosuku? Emva koko mhlawumbi awuyidingi i-$ 45,000 i-SUV eneehlalo ezisibhozo kwaye unokwenza ama-5,000. Ufuna isithuthi esichazela iimfuno zakho ezithile. Ngokuqinisekileyo, kukho imoto eninzi kunye namaloli ekhona apho aya kuguqula iintloko, kodwa khumbula ukuba abaninzi balaba baya kuza kwi-premium.
- Ayinakuqwalasela ezinye iindleko. Iindleko zangempela zesithuthi zibalulekile, kodwa oko kudlalwa yinto yonke yokugcinwa kwexesha elide kunye neendleko zomshuwalense ezihamba kunye nesithuthi. Gcina ukhumbule ukuba ii-premium zomshuwalense yemoto zikhula ngokubaluleka kwezithuthi, ngoko ukuthenga imoto ebiza kakhulu kuya kwandisa iindleko zomshuwalense wonyaka. Oku kungalingana namakhulu, ukuba kungekhona iwaka leedola okanye ngaphezulu ngonyaka.
Ukongeza kwi-inshorensi, kufuneka uqwalasele zonke iindleko zokugcina. Izithuthi zidinga ukutshintshwa kweoli, amabherki amasha, iifayile zomoya, amathayi kunye nokunye okuninzi. Iimodeli zeendwendwe okanye ezisebenzayo ziza kufuna iindawo eziphezulu zokutshintshela izinto ezinokubangela ukuba zindleko ezingaphezulu kuneziqabane zazo.
Ekugqibeleni, kufuneka uqwalasele ukusetyenziswa kwegesi. Umntu oqhelekileyo uya kuqhuba phakathi kweekhilomitha ezili-10 000 no-15 000 ngonyaka. Isithuthi esineemitha ezili-30 ngeekhilomitha nganye ngexabiso lentengo yegesi, unokulindela ukuchitha phakathi kwe-$ 1,000 kunye ne-1,500 zamawaka ngonyaka kwi-gas yedwa. Ngoku, khawucinge ngesithuthi esingaba malunga neekhilomitha ezili-15 nganye. Ngoku uchitha i-$ 2,000 kunye ne-$ 3,000 ngonyaka.
Xa ucinga ngalo, ngelixesha owenza ngayo igesi, utshintsho lweoli, inshorensi kunye nokugcinwa rhoqo, unokulindela ukuchitha i-$ 3,000 ukuya kwii-5,000 zamawaka ngaphezu kwenyanga yokuhlawula imoto yakho ngenyanga!
- Ukubeka i $ 0 phantsi. Kukho izinto ezininzi zokuvuselela xa kuziwa ekuthengeni imoto, kwaye unako ukubeka kwisithuthi esitsha esilukhethayo ngaphandle kwemali. Isandi sikhulu, kunene? Ngokukhawuleza. Khumbula, izithuthi zinciphisa ngokukhawuleza, ngoko ke ukuba uthengisa ixabiso elithengiweyo ngokupheleleyo, uhlala ufumana ukuhlaselwa phantsi kwemboleko ngokukhawuleza.
Ukugxila kumane kuthetha ukuba unetyala elingaphezu kweemoto. Khumbula, kukho iirhafu kunye nezinye iirhafu eziya kuthengwa kwemoto emitsha, kwaye ngokuqhelekileyo zifakwa kwi-mboleko xa ungafaki nantoni na. Oko kuthetha ngokukhawuleza xa uqhuba kwiqashiso, unetyala elingaphezulu kwi-bhanki okanye ukuthengiswa kunokuba isithuthi siyifanele.
Le ngcamango engalunganga ukuba uzimisele ukuthengisa okanye ukurhweba imoto phambi kokuba umboleko uhlawulwe. Ukuba emva kweminyaka emithathu udinga ukufumana isithuthi esitsha kwaye unetyala le-10,000 000 ngelixa imoto ixabisa i-$ 8,000 kuphela, kuya kufuneka uhlawule i-$ 2,000 ephaketheni lakho, okanye uhlawule ngemali yakho mboleko. Kungathi kulungile ukuphuma ngaphandle komthengisi ngeemoto ezintsha zeemoto ngaphandle kokuba ufune udofu phezu kwesigxina phambili, kodwa kuya kuhlawula.