Ukutshintshwa kwemoto , okanye ukutshintshwa, xa isithuthi esithobela ukuqeshiswa kwemoto sidluliselwa kumqhubi we-car ukuya kumqhubi omnye. Ngaphandle kokuthatha iindleko zokuqhuba imoto, umqhubi omtsha uthatha indawo yokuqeshisa ngokwemiqathango efanayo nomnini woqobo. Oku kubandakanya ukwenza inkokhelo yenyanga nganye efanayo kunye nokuqinisekisa ukuba ibuyiselwe kwimeko efanelekileyo.
Kutheni Ubani Ofuna Ukutshintshisa Iqeshiso?
Kukho izizathu ezininzi zokuba abantu bakhethe ukuthengisa indawo yabo yokuqhuba umqhubi omtsha. Kungenzeka ukuba imeko yabo yemali ibe nzima ngakumbi kwaye banzima ukufumana iintlawulo; ukuba batshintshe kwiimeko zeentsapho; okanye bafuna ukuthenga okanye ukuqeshisa imoto eyahlukileyo.
Indlela yokutshintsha ukuqeshiswa kweemoto
Ukuba umninimzi okhoyo unqwenela ukuwutlulisela komnye umntu, isinyathelo sokuqala esifanele senze ukuqinisekiswa kunye nenkampani yabo yezimali ukuba kunokwenzeka. Umthengisi kufuneka akhangele ukuba inkampani ihlawulise nayiphi na imali yokulawula yokudlulisa ukuqeshisa, baninzi. Oku kunokuba kungamakhulu angama-dollar ayikhulu.
Xa kuqinisekiswa ukuba banokutshintshisa ukuqeshisa, kuba ngumthwalo womnini ukuba athole umntu ukuba awuthathe. Isimo esilula kukufumana umhlobo okanye isihlobo esonwabileyo ukuba athathe indawo yokuqeshisa.
Ngaphandle koko, ukuba ngaba akunakwenzeka, abanini banokubhengeza kwisayithi efana neCraigslist, okanye kwisayithi yokutshintsha indawo yokuqashisa, apho kukho ezininzi. Ezi ziza zinikeza inzuzo nje kuphela ekuthengiseni abathengi abafanelekileyo kunye nabathengisi, kodwa banika nezixhobo zokubala iindleko ezihambelana nokudluliselwa okuthe ngqo.
Ukujonga ngaphandle kwesangqa sakho sangaphakathi kwenye yale ntlobo yesayithi yindlela eyaziwayo yokutshintshwa kweqeshiso. Iyakwazi ukudibanisa abathengi kubathengi ngokukhululeka.
Xa kuthengiwe umthengi, inkampani yezemali iya kuqhuba i-credit check , kwaye iqinisekise ukuba iyakwazi ukuhlawula iintlawulo zenyanga. Ukucinga ukuba ukulinganiswa kwemali-mboleko kuphezulu ngokwaneleyo, baya kuba nako ukuthabatha ukuqeshisa ngokwemigangatho efanayo, kunye nomyinge wenzala efanayo, njengomntu othengisayo. Xa umthengi, umdayisi kunye nenkampani yezemali bayonwabile ngamalungiselelo, ke iifom ziyakwazi ukugqitywa ukuba zigqitywe ngokuqeshisa ukuqeshisa.
Njengenxalenye yokudluliselwa, umqhubi omtsha uya kufunwa ukuba a tyelele iSebe leZithuthi eziya kubhalisela igama labo. Ukuxhomekeka kwimeko apho bahlala khona, banokufuneka bafake isicelo selayisense entsha yelayisenisi yesithuthi, njengoko ezinye ifuna ukuba umnini ngamnye abe namacwecwe ahlukeneyo. Hlola i-DMV yakho yangaphakathi ukuze uqinisekise iimfuno zakho zelizwe.
Ukuqwalasela ngaphambi kokuthatha indawo yokuhlala
Emva kokuba umqhubi omtsha unokufumana isithuthi abanomdla kuzo, kufuneka bathathe amanyathelo amanyathelo ukuqinisekisa ukuba ayishiywanga ngemali eyongezelelweyo ekupheleni kweqeshiso.
Mileage
Uninzi lweqeshiso luchaza ikhefu ye-mileage, eyona nani likhulu leekhilomitha imoto iya kuqhutywa ngexesha lobomi. Oku kudla ngokuthe tye kwaye, ukuba kudlulile, intlawulo ihlawulwa ngethilomitha ngaphaya komda xa uqeshiso luphela. Ngeendleko eziqhelekileyo ezingama-15 ngeekhilomitha nganye, oku kungabiza kakhulu. Ngaphambi kokuqalisa ukuqeshisa, umqhubi omtsha kufuneka ahlole umda kunye nemitha ekhoyo kwimoto kwaye ahlole ukuba mhlawumbi angadlula ikhefu ngexesha lobunini bawo. Oku kungabalwa ngokuqwalasela izinto ezifana nomgama ukuya emsebenzini; ngaba batyelela kangakanani intsapho okanye abahlobo ukuba bahlala kude; okanye ukuba bahamba ngeendlela eziqhelekileyo zokuhamba. Nangona kunjalo, abaninzi abanini-qeshiso banqwenela ukudlulisela ukuqeshiswa kobunikazi, ukuba imoto sele ikhulile i-mileage, ingaba ikulungele ukunikela inkuthazo yemali yokunceda ukuhlawula iindleko.
Isimo seMoto
Kwakhona imfuneko esemgangathweni ukuba isithuthi kufuneka sibuyiselwe kwimeko efanelekileyo ekupheleni kokuqeshisa. Xa imoto ibuyiselwa, ihlolwe ngenyameko ngumthengisi, kwaye nayiphi na umonakalo kufuneka ihlawulwe. Ngenxa yalesi sizathu, nabani na ofuna ukufumana indawo yokuqeshisa kufuneka baqwalasele ngenyameko imeko yesithuthi ukuqinisekisa ukuba abayi kuzuza ukuba bafune ukulungiswa.
Inkcazo yemeko enengqiqo iyahluka, ngoko abathengi bafanele bahlolisise isivumelwano sokuqeshisa ngaphambi kokuba bathabathele ukuba babone ukuba zicacisa naziphi na iingongoma ezithile. Oku kungabandakanya, umzekelo, akukho sikratshi ngaphezu kwesayizi ethile, okanye ubuncinci obuncinane bokunyathela kwiivili.
Ngelixa kunokuba kube lula ukubona iintsimbi kunye nemiqwenga, omnye umonakalo ongeke ube lula ukuba isohlo lingakhange lihlolwe ukuba lichonge. Kuhlala kulungele ukufumana umatshini othembekileyo ukuba uhlolisise isithuthi ukuze uqiniseke ukuba usemgangathweni olungummiselo. Ngamanye amaxesha iimoto zibandakanyeka kwiingozi kwaye zifakwe phambi kokuba kuqeshiswe umqashiso kumqhubi ongenakulindelekanga. Kwakhona kunokwenzeka - kwaye kunengqiqo-ukuthenga ingxelo ezizimeleyo eziya kubonisa ukuba imoto iye yabandakanyeka engozini enkulu. I-Experian , i-agency ye-credit reference, isebenza nge-AutoCheck, enika inkonzo enjalo.
Kanye nokuqinisekisa ukuba imeko yezonyamelo kunye nemimiselo yesithuthi inomgangatho ofanelekileyo, ukuqeshiswa kweemfuno ezininzi kufuna umqhubi ukuba agcine imoto kwaye isebenze rhoqo. Ukungaphumeleli ukwenza oko kungavumelekanga iwaranti kwimoto. Umqhubi omtsha kufuneka abuze ubungqina bokuba iinkonzo ezifunekayo zigqityiweyo, ingakumbi ukuba iqeshiso lithengiswa kuba umqhubi akanako ukuhlawula imali.
Iindleko zokuhamba
Ukongezelela kwiindleko ezibonakalayo zeentlawulo zenyanga kunye nokubeka umbane emotweni, kukho ezinye iindleko umthengi onokucinga kufuneka aziqwalasele. Eyokuqala kukuba ingaba bahlala kwiiklasi ukuhanjiswa kwempahla ngendlela efana nokuthengiswa kwento ethile. Amanye amazwe akwenzayo, kwaye aya kusebenzisa isantya serhafu efanayo yokuthengisa njengokuba bangayiphi na enye into yokuthenga.
Xa oku kusebenza khona, isibalo sibalwa ngokufaka intlawulo yemali yanyanga zonke ukuya kwehla kwexabiso lezithuthi , ngoko kusetyenziswa imali ehlawulweyo yerhafu, umzekelo, imali ehlawulwa yenyanga yenyanga, kunye nexabiso eliyi-100 lemali elihlawulelwayo ngenyanga. Kwizinga lokurhweba irhafu ye-5 ekhulwini, iindleko ezongezelelweyo ngenyanga zingu-10. Nangona amaninzi amaninzi ahlawula umrhumo wenyanga, ezinye zifuna ukuba imali epheleleyo yobomi bolu qeshiso ihlawulwe ngexesha lo kuqeshiselwa.
I-inshurensi ingaba yindleko enkulu. Ukuze babe nako ukubuyisela ixabiso lezithuthi xa kwenzeka ingozi, iinkampani zezemali zifuna ukuba nayiphi na imoto eqeshwe ngeyona ndlela ifumaneke ngokukhawuleza ngokubanzi kunye nokudibanisa , ngokuqhelekileyo ngexabiso elincinci le-500. Omtsha imoto, kunye nenani elikhulu lemoto, oku kuza kubizwa ngaphezulu. Ukongezelela, banokufuna umqhubi ukuba abambelele ngokukhawuleza . Oku kufuthi ubuncinane be-$ 100,000 ngomntu ngamnye, i-$ 300,000 ngengozi, kunye ne-$ 50,000 kwimeko yomonakalo obangelwe kwipropati.
Izinzuzo zokuthabatha indawo yokuThengiswa kweenqwelo zeenqwelo
Ukutshintshwa kweenqwelo zeemoto kuyindlela yokukwazi ukuqhuba isithuthi ongeke ukwazi ukuhlawula, kunye neenzuzo ze-mileage ephantsi, iwaranti, kunye nesimo esihle sombane. Njengoko ukuqeshisa imoto kuvame ukuhlala phakathi kweminyaka emibili nemine, kwaye njengoko kudla ngokubanzi phakathi kwendawo yokuqeshisa okutshintshayo, kwenzeka ukuba abo bafuna ukutshintsha imoto yabo kungekudala, okanye bazive ukuba imoto ifanelana neemfuno zabo ngaphambi kokuthenga ngokuthe ngqo okanye ukuqeshisa isithuthi esitsha.
Ngaphezu koko, baninzi abo bafuna ukuthengisa indawo yokuqeshisa kwabo kwiimeko apho kufuneka bakhuphe ukuqeshisa ngokukhawuleza kunokwenzeka ngenxa yezizathu zemali, umthengisi anganikezela inzuzo kumthengi, njengentlawulo yemali, kwaye inokufihla iindleko zokudlulisa.
- Khangela isibonelelo esibandakanya ukukhuthaza (ukuhlawula imali kwixesha elizayo).
- Fumana imoto ephantsi.
- Kusenokwenzeka ukuba ufumane iwaranti kwisithuthi sokutshintsha iqashiso.
- Esi sithuthi sisoloko sisesimweni esihle semimandla ngoba siyinto entsha.
- Ukuqeshiswa kwexesha elifutshane kunempahla yalo. Isithuthi esitsha siya kubakho kwikamva elifutshane.
Thatha ixesha elifanelekileyo ukukhangela iqeshiso elifanelekileyo lokuthatha. Ngomgudu omncinci, ukufumana isithuthi esifanelekileyo kuzo zonke iingeniso kunokwenzeka. Musa ukuthatha indawo yokuqeshisa ukuba loo migaqo ayikuzuzi ngandlela-thile.
Iingxaki zokuThatha ukuTshintshiselwa kweMoto
Ngethuba nje umqhubi omtsha esenzile umsebenzi wesikolo, akukho naziphi na izinto ezingenakunceda ukutshintshwa kweqeshiso . Umthengi ufumana inzuzo yesithuthi esandula-esitsha, ngexabiso elifanelekileyo ngenyanga, kunye nokuthembeka okuza neyomoto entsha. Basenokufumana ibhonasi yemali evela kumthengisi wokuqeshisa onqwenela ukudlulisa uxanduva. Ngokubanzi, ngokuhlola okufanelekileyo, yimeko yokuphumelela kumthengi.