Ukunyaniseka, loo nkqubo inokudideka. Makhe ndikuphule phantsi.
Ukuqeshiswa Kweenqwelo Zezimoto
Iqeshiso sivumelwano apho elinye iqela lihambisa ukusetyenziswa kwezinto (ipakethi yomhlaba, isakhiwo, inkonzo, okanye enye into) kwelinye iqela ngexesha elithile elichanekileyo lokutshintshwa kwemali, ngokuphindaphindiweyo. Kwimoto yokuqeshisa, into ehanjiswayo iyona nto imoto. Ukwahlukana phakathi kokuqeshisa kunye nokuxhaswa kwemali kukuthi ngemali oyithengayo ukuba uyenayo, ngelixa uqeshisa unganakho isithuthi kwaye kufuneka uyibuyisele kumncinane ekupheleni kwexesha lesivumelwano.
Ukuqeshiswa kweeNgeniso kunye neNzuzo
Abaqhubi abakhetha ukuqeshisa endaweni yokuthenga bathambekele ukwenza njalo ngenxa yezizathu ezibini ezibalulekileyo. Okokuqala, baya kuqhuba imoto entsha ehlala phantsi kwewaranti kulo lonke ixesha lokuqeshisa kwaye, ngoko ke, ayifuni nantoni na ngaphezu kokugcinwa rhoqo.
Okwesibini, iintlawulo zenyanga zithuthi eziqashisayo ziqhelekileyo ezincinci kunezo zithuthi. Kungenxa yokuba iintlawulo zokuqeshisa zisekelwe ekuhlahleni kwexabiso lezithuthi ngaphaya kwexesha lokuqeshisa endaweni yexabiso lexabiso lezithuthi. Ngenxa yoko, abaqhubi banokuqeshisa isithuthi esicacileyo kwaye sabiza ngaphezu kokunye abakwazi ukuthenga.
Kukho ukungalungi ukuqeshisa, kwakhona. Omnye kukuba ngaphezu kwexesha lobomi bendawo yabasemsebenzini, mhlawumbi uya kugqiba ukuchitha ngaphezulu kwizithuthi zabo kunomthengi. Enye ingozi kukuba ekupheleni kwexesha lokuqeshisa, umqeshi kufuneka aguqule kwisithuthi esiqashisayo (okanye uthenge ngesivumelwano sokhetho sokuthenga - bona ngaphantsi) kwaye uhambe ngaphandle kokulinganayo kwisithuthi esingasetyenziswa, umzekelo, ukuthenga okanye ukuqeshisa omnye. Ngoko, yiyiphi indlela efanelekileyo? Oku kuxhomekeke kwiimfuno ezikhethiweyo zomqhubi kunye nezinto ezikhethiweyo.
Inkqubo yeNkcitho kunye neMigqaliselo
Iindleko zihlala ziphantsi, kwaye xa kuziwa ekucingeni iindleko zokuqeshisa imoto, inokufumana ingxaki encinane. Yingakho kubalulekile ukuba ube nokuqonda okusemgangathweni kwemiqathango esetyenziswa kwisivumelwano sokuqeshisa. Xa uhlala phantsi nomthengisi ukuba uphumelele kwinkqubo yokuqeshisa, nantsi yimiqathango eqhelekileyo oya kujongana nayo:
- Ixabiso leNdawo yokuThengiswa ePhakamileyo (MSRP): Le yintengo epheleleyo yesithuthi esitsha, esaziwayo njengexabiso lentengiso. Ngaphandle kwimeko enqabileyo xa imodeli ethile imfuno ephezulu, kufuneka uxoxe nge-MSRP phantsi, ngamanye amaxesha kakhulu. Ngokuqinisekileyo kufuneka uhlale uzama. Unokufumana into eninzi malunga noko abanye abahlawula isithuthi esifanayo kunye nophando oluncinci lwe-intanethi.
- Iindleko ezithintekayo (Iindleko zeCape): Le yintengo yesiseko othe waxoxisana ngayo ukuya kwi-MSRP. Iindleko zeendleko zingaphinde zithunyelwe kulo nqaku "njengexabiso" lokuqeshisa. Isicwangciso esilungileyo sokungamvumeli ukuba umthengisi azi ukuba unqwenela ukuqeshisa isithuthi uze uzimisele le ndleko. Yaye xa umthengisi wakho ekuxelela ukuba awukwazi ukuxoxa nge-MSRP phantsi ukuba uceba ukuqeshisa, ungakholelwa. Iindleko zecala, kunye nakwezinye izibalo kwinkqubo yokuqeshisa, ihlala ixoxisana.
- Ixabiso lokuhlala: Lona lixabiso lenani lezithuthi ekupheleni kwexesha lokuqeshisa. Izifundo ziqikelela ixabiso eliseleyo ngexesha lokuqeshiswa kubhalwa ngokusekelwe kwirekhodi yexabiso lempahla yokubuyisela.
- Ukunciphisa ixabiso : Ukunciphisa intlukwano phakathi kwexabiso lezithuthi xa kutsha kunye nexabiso layo lokunciphisa. Faka enye indlela; kukuhla kwexabiso lezithuthi ngexesha lokuqeshisa. Ixabiso lokunciphisa ixabiso lenza iyona nxalenye enkulu yenani lokuhlawula ngenyanga.
- Umlinganiselo weMali okanye Ireyithi yokuqeshisa: Le yintsingiselo yenzalo echazwe ngokwahlukileyo. Khumbula, xa uqeshisa, kwenzeka ntoni ukuba i-ejensi yokuqeshisa iyithengisa imoto kumthengisi uze uyiqeshisele yona. Imali yokusetyenziswa isetyenziselwa ukuchonga inxalenye yesibini enkulu yenkokhelo yakho yokuqeshisa ngenyanga kwaye imele inani lemali lowo ongeyena umrhumeli ngokukufaka umxhesho wayo ngexesha lokuqeshisa. Inkokhelo yemali, njengamanye amanqanaba omdla, kuxhomekeka kakhulu kumanqaku ekhredithi yomqeshi.
- Isibonelelo seMilage kunye neerhafu: Inxalenye yazo zonke iinqashiso zemoto iyinombolo ephakamileyo ecacisiweyo yeekhilomitha apho umqeshi angakwazi ukuqhuba isithuthi ngonyaka, eyaziwa njengesibonelelo se-mileage. Isibonelelo semilinganiselo esisezingeni eliqhelekileyo sokuqeshisa umqhubi wangasese ngokuqhelekileyo sisuka kwii-10 000 ukuya kwii-15 000 ngeekhilomitha ngonyaka. Ukuba umqhubi udlula isibonelelo se-mileage , uya kuhlawuliswa imali eyongezelelweyo ukusuka kuyo i-$ 0.10 ukuya kwi-0.25 yeekhilomitha nganye. Wonke amanani apha angathethathelwa ngamaqela.
- Ixesha lokuqeshisa: Lobu bubungakanani bokuqeshisa. Ukuqeshisa okuqhelekileyo kubini, iminyaka emithathu okanye emine ubude, nangona ingaba mfutshane okanye ide. Imigaqo yokuqeshiswa ngokuqhelekileyo ichazwe ngokwemiqathango yenyanga (24, 36 okanye 48, umzekelo).
- Isivumelwano sokhetho lokuthenga : Oku kuyindlela yokuthenga isithuthi ekupheleni kwexesha lokuqeshisa. Olu khetho liqhelekileyo lithathwe ekuqaleni kweqeshiso kwaye luya kwongeza inani elincinci kwinkokhelo yenyanga. Intengo yokuthengisa ibhalwa kwakhona kwindawo yokuqeshisa kwaye ihlala ifana nexabiso eliseleyo.
- Imirhumo ephezulu kunye neerhafu: Ukuba unquma ukuqeshisa imoto yakho, lungele uhlawule ngokukhawuleza ukuhlawulwa kwemali eninzi kunye neerhafu ezifana nokuhlawula intlawulo, irhafu kunye neemali zelayisensi, intlawulo yokufumana, ukugcinwa kwekhuseleko kunye nabanye. Njengoko ngemali yezimoto, ukuhlawula okuphezulu kunokuba kuthetha ukuhlawula iinyanga eziphantsi.
- Izigwebo kunye neZongezelelo zeeNtlawulo: Ezi ziquka iirhafu ezizenzekelayo (ukuhlawulwa kwexesha elide), iifizi zokugqibela zokugqibela (ukuphelisa ukuqeshisa ngaphambi kwexesha elivunyelweneyo), iimali zokulahla (xa umqeshi ekhetha ukungazithengi imoto ekupheleni kwexesha lokuqeshisa ), kunye neendleko zokugqoka kunye nokukhawula. Iindleko zokugqoka kunye neendlebe zizenzeke ukugubungela ukunxiba kunye nokukrazula kwizithuthi eziqashisayo ezihamba ngaphaya koko kunokubhekwa njengento eqhelekileyo okanye efanelekileyo. Kwezinye iimeko kukho iindlela zokudiliza ukuqeshisa ngaphandle kwesihlwayo .
Ukubala iindleko
Iarhente zokuqeshisa ziqeshe amanani kuwo onke amaphepha achazwe ngentla ukubala iindleko zokuhlawula kunye nezenyanga. Indlela enhle yokuba ufumane ingcamango yokuba zeziphi iindleko ziya kubakho kwangaphambili ukusebenzisa i-calculator yokuqeshisa efumanekayo kwiziko lewebhu eziliqela ezifana ne-edmunds.com kunye ne-bankrate.com. Futhi ungalibali: zonke iindleko kunye nemigqaliselo emininzi iyathengiswa.
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