Ingabe kufanele uthenge imoto ngesikweletu? Yiziphi izinzuzo nezimbi zemalimboleko yemoto?
Sawubona, ngenxa yokushoda kwendawo efanelekile yomsebenzi ngathola umsebenzi wokuba "umshayeli wetekisi". Inkampani yamatekisi kumele ikhokhele imali yemoto njalo ngenyanga. Bengicabanga ukuthenga imoto ngesikweletu. Sitshele ngobuhle nobubi bemalimboleko yemoto nokuthi ngabe kufanele yini ukuthenga imoto ngesikweletu kulesi simo. Ongaziwa.
Ngendlela, ubonile ukuthi idola selivele libiza malini? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!
Ngale ndlela, izinkampani ezilandelayo zinikela ngezimo ezinhle kakhulu zemalimboleko:
| Isikhundla | Qhathanisa | Isikhathi sokuthatha | Inani eliphakeme | Inani eliphansi | Ubudala ukulinganiselwa | Izinsuku ezingenzeka |
|---|---|---|---|---|---|---|
| 1 | Isitoko | 3 imiz. | Hlikihla ama-30,000 Hlola! | Hlikihla i-100 | 18-65 | Izinsuku eziyi-7-21 |
| 2 | Isitoko | 3 imiz. | Hlikihla ama-70,000 Hlola! | Hlikihla i-2,000 | 21-70 | Izinsuku eziyi-10-168 |
| 3 | 1 iminithi. | Hlikihla ama-80,000 Hlola! | Hlikihla i-1,500 | 18-75 | Izinsuku 5-126. | |
| 4 | Isitoko | 4 imizuzu | Hlikihla ama-30,000 Hlola! | Hlikihla i-2,000 | 18-75 | Izinsuku 7-30 |
| 5 | Isitoko | - | Hlikihla ama-70,000 Hlola! | Hlikihla i-4,000 | 18-65 | Izinsuku ezingama-24-140. |
| 6 | 5 imizuzu. | Hlikihla i-15,000 Hlola! | Hlikihla i-2,000 | 20-65 | Izinsuku 5-30 |
Manje ake sibuyele esihlokweni sendatshana yethu bese siqhubeka.
Ngale ndlela, izinkampani ezilandelayo zinikela ngezimo ezinhle kakhulu zemalimboleko:
| Isikhundla | Qhathanisa | Isikhathi sokuthatha | Inani eliphakeme | Inani eliphansi | Ubudala ukulinganiselwa | Izinsuku ezingenzeka |
|---|---|---|---|---|---|---|
| 1 | 3 imiz. | Hlikihla ama-30,000 Hlola! | Hlikihla i-100 | 18-65 | Izinsuku eziyi-7-21 | |
| 2 | 3 imiz. | Hlikihla ama-70,000 Hlola! | Hlikihla i-2,000 | 21-70 | Izinsuku eziyi-10-168 | |
| 3 | 1 iminithi. | Hlikihla ama-80,000 Hlola! | Hlikihla i-1,500 | 18-75 | Izinsuku 5-126. | |
| 4 | 4 imizuzu | Hlikihla ama-30,000 Hlola! | Hlikihla i-2,000 | 18-75 | Izinsuku 7-30 | |
| 5 | 5 imizuzu. | Hlikihla i-15,000 Hlola! | Hlikihla i-2,000 | 20-65 | Izinsuku 5-30 |
Manje ake sibuyele esihlokweni sendatshana yethu bese siqhubeka.
Sawubona, ukubolekwa kwezimoto kungumkhiqizo webhange othandwa kakhulu. Ngokusho kwezinhlangano ezihlaziya, ngaphezu kuka-40% wesamba sezimoto ezithengwe ngonyaka odlule zathengwa ngesikweletu. Ngaphezu kwalokho, lokho kuthenga kulindeleke ukuthi kukhuphuke.
Sincoma ukuthi sifunde izinto zethu esihlokweni - "Uyithatha kanjani imoto ngesikweletu, kungenzeka yini ukuhlela imalimboleko yemoto esetshenzisiwe nemoto entsha ngaphandle kokukhokha phansi, i-CASCO, izitifiketi, ezine-CI embi."
Ake sihlolisise izinzuzo nobubi besikweletu esinjalo.
1. Izinzuzo ezinkulu zemalimboleko yezimoto
Amabhange ancintiselana ukuletha izimo ezithandeka kakhulu, ekhangisa ngazo zonke izinzuzo nezinzuzo zokuthenga imoto ngesikweletu. Okubi kwendondo kubukeka kukuheha kakhulu.
Ngakho-ke, izinzuzo zokuthola imali mboleko yemoto zifaka:
- Ukuthengwa kwemoto esheshayo noma ingekho imali... Imoto ithengwa ngesikhathi esifushane ngangokunokwenzeka, kepha udinga ukukhokha kancane kancane. Lesi simo sidudula abantu ukuthi bathenge, abathatha isikhathi eside ukuqongelela inani elilingana nenani lemoto. Isizathu sibalulekile kulabo abathenga imoto yokusebenza, imoto ingasetshenziswa manje bese ukhokha ngokuhamba kwesikhathi.
- Izimo zokuboleka zibukeka kahle... Amanani wenzalo aphansi kakhulu kuneminye imikhiqizo eminingi yemalimboleko. Ngezansi kunamanani entengo yemalimboleko kuphela.
- Ukulula kokucutshungulwa kwemali mboleko... Iphakethe lamadokhumenti lokufaka isicelo semalimboleko lincane. Imalimboleko uqobo iyatholakala kuzo zonke izakhamizi ezinamandla anemali ezinzile, eqinisekisiwe. Kuyafaneleka futhi ukuthi amabhange amaningi asebenza ngokubambisana nabathengisi bezimoto futhi ungafaka isicelo semalimboleko ngasikhathi sinye nokukhetha imoto oyithandayo. Kukhona nezindlela zokufaka isicelo semalimboleko yemoto online, kulokhu uzodinga ukufaka isicelo bese uthola imvume ebhange. Sibhale ukuthi ungayithola kanjani nokuthi ungasifaka kuphi isicelo semalimboleko yemoto online ku-athikili ehlukile.
- Izinkokhelo zemalimboleko... Isikhathi nobude bemalimboleko kukhethwe ngawodwana futhi kumaphakathi ngonyaka owodwa kuya kwemihlanu. Uma isikhathi eside semalimboleko, kwehlisa izinkokhelo zanyanga zonke. Ezakhamuzini ezihola kancane, lesi yisimo esibaluleke kakhulu.
- Izimoto ezithengwe ngesikweletu kumele zibe nenqubomgomo yomshwalense we-CASCO... Umshuwalense ukhishwa ngasikhathi sinye nokuthengiwe futhi kufakiwe ezindlekweni zemalimboleko, kulula. Umshwalense ukhishwa uxhasa ibhange, futhi uma kwenzeka isehlakalo somshwalense (i-force majeure kuyinto ejwayelekile), imalimboleko izokhokhwa ebhange ngemali yenkampani yomshuwalense. Uyini umshuwalense we-CASCO nokuthi ungazibala kanjani izindleko zenqubomgomo, ungafunda i-athikili kusixhumanisi.
- Umbuso usekela ukubolekwa kwezimoto... Ukweseka abakhiqizi bezimoto ezifuywayo, uhulumeni uqalisa izinhlelo eziningi ezenza ukuthi imali mboleko yezimoto ibize umphakathi. Zinezinga lenzalo elehlisiwe, noma isinxephezelo sengxenye yezindleko zemoto. Ungasebenzisa izinzuzo lapho uthenga imoto entsha futhi uhlangabezana nemibandela eminingi. Umbuso wethule izinhlelo ezinjengalezi. Isibonelo, imindeni enezingane ezimbili noma ngaphezulu - "Imoto yomndeni", yabashayeli abathenga imoto okokuqala ngqa - "Imoto yokuqala". Sincoma futhi ukuthi ufunde ukushicilelwa kwethu mayelana nemalimboleko ekhethekile yemoto ngokuxhaswa nguhulumeni.
Ukuthandwa kwemali mboleko eqondiwe yokuthengwa kwemoto kuyazikhulumela ngezinzuzo ezisobala zalolu hlobo lokubolekisa. Kodwa ingabe azinakuphikwa?
2. Okubi kakhulu kokubolekwa kwezimoto
Imvamisa ububi bemalimboleko yemoto buba sobala ngemuva kokusayinwa kwesivumelwano. Ukuze injabulo yokuthenga imoto ingagubuzelwa, kufanelekile ukuqonda izingcuphe ezingaba khona kusengaphambili.
Ngakho-ke, ukungalungi kwemali mboleko yezimoto yilena:
- Okokuqala kunakho konke ukwanda okukhulu kwezindleko zemoto... Ukukhokhiswa ngokweqile kwemali mboleko kungakapheli iminyaka engu-5 kungaba cishe ngama-50% wezindleko zokuqala. Ngaphezu kwalokho, umshuwalense we-CASCO oyimpoqo unyusa inani lokukhokha ngokweqile ngomyalo wobukhulu. Futhi imoto uqobo lwayo ilahlekelwa ngenani ngokuhamba kwesikhathi, ngisho nehora ngemuva kokuthengwa, intengo yayo yehla ngesilinganiso esingu-10%.
- Uma kwenzeka ukulahleka kwemali engenayo noma obunye ubunzima bezezimali, kukhona ubungozi bokuhluleka ukukhokha izikweletu... Kunethuba lokulahlekelwa yizimoto zombili kanye nengxenye esevele ikhokhelwe yemali, ngoba imoto ihlala iyimpahla yasebhange kuze kube yilapho isikweletu sikhokhwe ngokuphelele.
- Ukwehluleka ukuthengisa imoto ngaphambi kokukhokha kokugcina nebhange... Noma ibhange likuvumela ukuthengiswa, imali etholwe yimoto izoba yi-oda eliphansi kakhulu kunemali esetshenzisiwe.
- Umthwalo kwisabelomali ukhula kakhulu... Akubona bonke abanikazi bezimoto besikhathi esizayo ababheka izindleko zokulondoloza imoto lapho befaka isicelo semalimboleko. Kwesinye isikhathi ukungabi khona kwemali kuba isimanga esingalindelekile.
- Umshuwalense we-CASCO wemishini yesikweletu ungabiza kakhulukunezimoto ezithengwe ngezimali zazo. Imvamisa inkampani yomshwalense ikhethwa yibhange. Futhi umthengi uphucwa ithuba lokukhetha inkampani yomshuwalense enezimo ezinhle kakhulu.
- Akubona bonke abathengi abangaba khona abalinganayo nebhange... Imvamisa, kunqatshwa isikweletu kubafundi, abahola impesheni, labo abangenawo amaphepha aqinisekisa umholo wabo, labo abasebenze isikhathi esingaphansi kwezinyanga eziyisithupha. Uma imalimboleko ivunyelwe, izidingo zayo zinzima kakhulu. Lapha sikweluleka ukuthi ufunde i-athikili - "Ungayithola kanjani futhi kuphi imali mboleko ngaphandle kwezitifiketi nabaqinisekisi ngaphandle kokwala"
- Ukukhuphuka kwenzalo lapho uthenga imoto ngaphandle kokukhokha phansi, lapho ufaka isicelo semalimboleko isikhathi eside, inqubomgomo evamile yamabhange.
Njengoba ukwazi ukubona, akuyona yonke imibandela yemalimboleko yemoto enhle njengoba ingabonakala ekuqaleni. Uhlangothi olungaphambili lwendondo lulahlekelwa kakhulu ohlangothini olungaphambili.
3. Isiphetho
Ukuthenga imoto ngesikweletu noma cha? Wonke umuntu kufanele aphendule lo mbuzo ngokuzimela. Ukukala okuhle nokubi, ukuhlola ubungozi kanye nesidingo sokuthengwa okuphuthumayo kwemoto. Mhlawumbe okuwukuphela kwento lapho ukubolekwa kwemoto kufanelekile ukuthengwa kwemoto yomsebenzi noma yebhizinisi. Kwakungelona ize ukuthi umkhiqizo onjalo webhange njengokuqashiswa wenziwe. Osomabhizinisi abaningi abaphumelelayo basebenzisa ukuqashiswa kwezimoto, beyibhalisela abantu bobabili kanye nezinhlangano ezisemthethweni.
Okubalulekile! Uma ukuthenga imoto kungakhokhela izindleko zemalimboleko futhi kukhiqize imali engenayo, khona-ke ukuthenga kuzolungiswa. Kuzo zonke ezinye izimo, kungcono ukwenqaba imali mboleko!
Siyethemba ukuthi umagazini i-Ideas for Life ukwazile ukukunikeza zonke izimpendulo zemibuzo yakho. Sikufisela inhlanhla nempumelelo kuyo yonke imizamo yakho!