Ukuqashiswa kwezimoto kwabantu ngabanye nezinhlangano ezisemthethweni - kuyini futhi yiziphi izimo zokuthola ukuqashiswa kwezimoto + imiyalo yesinyathelo ngesinyathelo yokuthenga imoto ngokuqashisa

Usuku oluhle, bafundi abathandekayo bamagazini wezezimali Imibono Yokuphila! I-athikili eyethulwe kuwe inikelwe ukuqashisa imoto... Sizokhuluma ngokuqashisela abantu imoto (abathengi abazimele), siphinde sikutshele ngokuningiliziwe ngezimo zokuthenga imoto ekuqashisweni kwezinhlangano ezisemthethweni (izinhlangano zezentengiselwano nezingenzi nzuzo).

Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Kule ndatshana uzofunda:

• Kuyini ukuqashisa imoto ngamagama alula;
• Yiziphi izici zokuqashiswa kwemoto, yiziphi izinzuzo zayo kunesimalimboleko semoto;
• Ungayithenga kanjani imoto ngokuqashisela umuntu noma inhlangano esemthethweni (imiyalo yesinyathelo ngesinyathelo);
• Izinhlelo eziyisisekelo zemisebenzi yokuqashisa;
• Ungamkhetha kanjani umqashi ofanele;
• Yiziphi izinkampani ezinkulu kakhulu emakethe yokuqashisa.

Ngaphezu kwalokho, ekugcineni kwendatshana kunikezwa izimpendulo ukubuza imibuzo njalo.

Lo mbhalo kufanele ufundwe yinoma ngubani ofuna ukuthenga imoto kodwa engenayo imali eyanele yokwenza lokho. Kuzoba wusizo kubo bobabili abantu kanye nezinhlangano ezisemthethweni.

Uma ungowalesi sigaba noma unentshisekelo kumqondo wokuqashisa, funda i-athikili njengamanje!

Kuyini ukuqashiswa kwezimoto, yiziphi izinzuzo nezici zokuqashiswa kwezimoto, yiziphi izimo nezidingo zabantu ngabanye nezinhlangano ezisemthethweni, nokuthi kunenzuzo kangakanani ukuthatha / ukuthenga imoto ngokuqashisa - ngalokhu hhayi kuphela ... lolu daba luzoxoxwa kulo magazini

1. Kuyini ukuqashiswa kwezimoto - ingqikithi yokuqashisa, ubuhle bayo ⚖

Inani elikhulu labantu liphupha ngokuthenga imoto. Kepha akuwona wonke umuntu onamandla okwenza lokhu. Abanye baze bakholelwe ukuthi ukutshalwa kwemali okunjalo kungaba yinzuzo. Ngakho-ke, ngaphambi kokuthenga, abanikazi bezimoto besikhathi esizayo bahlola futhi baqhathanise zonke izinketho ezitholakalayo emakethe yokuthenga - imalimboleko yemoto noma imali idiphozi ngokushesha... Futhi, kwezinye izimo, ungasebenzisa izinsiza ukuqasha imoto.

Esikhathini esingengakanani esidlule, bekukhona enye indlela yokuthenga imoto, ebizwa ukuqashisa... Le nketho ingasetshenziswa cishe wonke umuntu - izinkampani, kanye namakhasimende azimele. Ake sizame ukuthola ukuthi yini ukuqashisa ngamagama alula.

Incazelo:

Ukuqashisa ukuqashiswa kwesikhathi eside kwanoma iyiphi impahla enethuba lokuhlengwa kwayo ngokuzayo. Lokho wukuthi, ekugcineni kwenkontileka, umuntu othole isivumelwano sokuqasha unelungelo lokuthatha isihloko sesivumelwano.

Ngokomthetho, noma iyiphi impahla ingaqashiswa. Kepha imvamisa kuqashwa isikhathi eside lapho kuqashwa zonke izinhlobo zezimoto, kuqala ngezimoto kugcine ngamaloli asindayo. Ukuqashisa kuhle ekuthengeni imishini ekhethekile ebizayo.

Izinhlangano zivame ukusebenzisa ukuqashiswa kwezezimali ukukhulisa inani lezimoto ezakha izimoto zazo. Abantu bangathenga imoto yokuhamba yomuntu siqu isikhathi eside; bavame ukusebenzisa izimoto ezithengiwe emsebenzini. Ngasikhathi sinye, izinkampani ezihlinzeka ngezinsizakalo zokuqashisa zihlala zinenzuzo enkulu impela.

Izinzuzo eziyinhloko zokuqashiswa kwabancane nabaqashi

Kungaphawulwa ukuthi ukuqashisa - isigaba sezomnotho esiyingqayizivele... Kuyazuzisa kubo bobabili abathintekayo entengisweni. Kuningi pluses ukuqashiswa kwezezimali.

Abancane bakholelwa ukuthi ukuthengiswa kwezimoto ekuqashisweni kuhlotshaniswa nobungozi obuncane.

Lokhu kungenxa yezizathu ezilandelayo:

1. Izimoto ziyizimpahla ezingamanzi kakhulu. Ngamanye amagama, uma kunesidingo, ingathengiswa ngokushesha emakethe yesibili.
2. Ngesikhathi sokuqashiswa kwezezimali, imoto iphethwe ngumqashisi. Kungakho, uma kunezinkinga ngokukhokha, inkampani ayidingi ukuya enkantolo ilinde isinqumo sayo ukuze ibuyise imoto.
3. Izimoto eziqashiwe zingaphansi kokubhaliswa kombuso okuyimpoqo. Ngakho-ke, nganoma yisiphi isikhathi, inkampani eqashisayo ingathola ukuthi imoto ikuphi.

Zonke lezi zizathu ezingenhla ziholela eqinisweni lokuthi phakathi kwezinkampani ezihlanganyela ekuqashisweni kwezezimali, kunjalo ukuqashisa imoto... Ngaphezu kwalokho, inani elincane labanikezeli linikeza kuphela lolu hlobo lwempahla.

Ngokuphikisana nenkolelo evamile, hhayi kuphela izinkampani ezinikezela ngezimoto zokuqashiswa kwezezimali, kepha nalabo abazithathayo, bathola inani elikhulu lezinzuzo.

Phakathi kwazo kukhona okulandelayo:

• imali yemoto ikhokhwa ngezingxenye ngenani nangemigomo ebekwe yinkontileka;
• oqashile angasebenzisa imoto ngokushesha ngemuva kokuphela kokuthengiselana nokukhokha, uma kunesidingo, inkokhelo yokuqala;
• imvamisa esiphethweni sokuthengiselana, iklayenti linikezwa umuntu ngamunye imigomo. Angabonisana nenkampani yokuqashisa inketho elula yokwenza izinkokhelo;
• ekupheleni kwenkontileka, iklayenti linquma ukumthathela imoto ngokukhokha inani elidingekayo noma liyenqabe;
• izinhlangano ezisemthethweni lapho ziphothula isivumelwano sokuqashisa zinikezwa izikhuthazi zentela;
• ukuqashisa imoto imvamisa kulula kakhulu kunokuthenga imalimboleko. Izinkampani eziqashisayo azidingi isibambiso nabaqinisekisi, azidingi ukuqoqwa kwemibhalo emikhulu;
• imoto eqashiswa ngezezimali ikhishwa ngokushesha okukhulu. Izinkampani eziningi ziyavuma ukusayina inkontileka kungakapheli usuku olulodwa kusukela ngesikhathi iklayenti eza kulo.

Ngale ndlela, ukuqashisa imoto njengoba uhlobo lokuqashiswa kwezezimali luzuzisa bobabili umqashisi nalowo oqashile. Kungakho ukuqashwa kwezimali kwezezimali kuthola ukuthandwa.

Kodwa-ke, iRussia ayikafiki ezingeni elifanayo lokuthandwa njengaseYurophu. Emazweni aseYurophu, ukuqashisa kuyatholakala ngamunye okwesithathu imoto.

Abathengi baseRussia abanolwazi olucacile mayelana nokuqashiswa okuthile. Ngaphezu kwalokho, abashayeli bezimoto ezweni lethu bayaxwaya ngenkonzo entsha yezezimali engajwayelekile kubo. Noma kunjalo, kancane kancane kodwa isabelo salabo abathenga imoto ngokuqashisa eRussia sikhula.

Inani labantu abazise izinzuzo nezinzuzo zokuqashiswa kwezezimali futhi bakhetha ukuthenga ngesikweletu nangokheshi landa kancane kancane.

Ukuqashiswa kwezimoto kwabantu ngabanye abantu - kuyini, yini ubuhle (+) nobubi (-), okuzuzisa kakhulu - ukubolekwa kwemali noma ukuqashisa ngemoto izigaba zomthengi wangasese + zokuthengiselana

2. Ukuqashiswa kwezimoto kwabantu ngabanye - izici nezinzuzo + imiyalo yesinyathelo ngesinyathelo yabathengi bemoto yokuqashisa 📝🚗

Ukuqashiswa kwezimoto kuvele kamuva nje, ngakho-ke akubona bonke abantu abazi ngezici zayo.

2.1. Kuyini ukuqashiswa kwezimoto kwabantu ngabanye - ukubuka konke komqondo ngamagama alula + izinhlobo zokuqashiswa kwezimoto

Muva nje, bekunezindlela ezimbili kuphela eziyinhloko zokuthola imoto ongayisebenzisa: ukuqasha noma thenga... Esimweni sokugcina, izinketho ezimbili zokubala zingenzeka: ukheshi futhi ngezitolimende.

Muva nje, sekuvele enye indlela ihlanganisa ukuqasha nokuthenga - ukuqashwa kwemoto lokhu... Ukuthandwa kwayo kukhula kancane.

Ukuqashiswa kwezimoto uhlobo olukhethekile lokuqashisa. Kulokhu, umshini awudluliswa nje okwesikhashana ukuze usetshenziswe. Ekupheleni kwesikhathi senkontileka, oqashile unethuba lokuthatha imoto ibe ngeyakhe. Lokhu kubalulekile isici esihlukile somqondo wezezimali njengokuqashisa.

Njengalapho uqasha imoto, uma uyiqashisa akuyona eyomuntu oyisebenzisayo. Ngakho-ke, imoto ayinakuthengiswa, idluliselwe komunye umuntu futhi inikelwe.

Yize kunjalo, oqashile ubophezelekile ukuqinisekisa ukuthi imoto ihlala isesimweni esihle, ayikhiphele umshwalense we-OSAGO, ashintshe amasondo ngesikhathi, ahlolwe njalo ngezobuchwepheshe, futhi afakwe uphethiloli.

Njengalapho uthenga ngesikweletu, esimweni sokuqashiswa kwezimoto, inkokhelo yayo ikhokhwa kancane kancane. Ngale ndlela, izindlela ezinjalo zokuthenga ziyehluka ekuthengeni ngemali, lapho inkokhelo yenziwa ngesamba semali.

Kodwa-ke, kunomehluko omkhulu phakathi kokuqashisa nokuthenga ngesikweletu: esimweni sesibili, umthengi ngokushesha uba ngumnikazi wemoto, okokuqala - kuphela ngemuva kokuphela kwenkontileka.

Yize iqiniso lokuthi ukuqashisa umuntu kuvame ukuba nenzuzo enkulu kunesimalimboleko, kusasetshenziswa ngokungajwayelekile. Lokhu kuyiqiniso ikakhulukazi emakethe yezimoto ezifuywayo.

Izinhlobo (izinhlobo) zokuqashiswa kwezimoto - 2 main

Kunezinhlobo ezimbili eziyinhloko zokuqashiswa kwezimoto:

1. Ngokudluliswa kobunikazi. Kulokhu, oqashile ubophezelekile ukusebenzisa imoto ngemuva kokuphela kokuqashiswa kwezezimali. Ngaphezu kwalokho, ngaphandle kokuthi inkokhelo yokuqashisa ingaba ngaphansi kwesikweletu, inani eliphelele licishe lifane.
2. Akukho ukudluliswa kobunikazi. Kulokhu, ngemuva kokuphela kwenkontileka, umthengi ubuyisela imoto enkampanini yokuqashisa. Le nketho yisixazululo esihle kulabo abafisa ukuthola imoto yesimo isikhashana. Lapho usebenzisa uhlelo olunjalo, umqashi, ngemuva kweminyaka embalwa, lapho inkontileka iphela, angayishintsha kalula imoto entsha, ngaphandle kokucabanga ngokuthengisa ngokushesha imoto esetshenzisiwe. Ngakho-ke, lapho kuqashwa ngaphandle kokuhlengwa, le sevisi ifana nokuqashisa isikhathi eside.

2.2. Izinzuzo nezinkinga zokuqashiswa kwabantu ngabanye - izibalo, okunenzuzo enkulu: ukubolekwa kwemoto noma ukuqashisa + ithebula elibukwayo

Ukuzama ukuthola ukuthi yini ngempela - ukuqashisa noma ukubolekwa kwemali kunenzuzo enkulu kumthengi wangasese, kufanele uqonde ukuthi yini ukufana futhi umehluko lezi zinsimbi zezezimali.

Ukuqashisa nekhredithi: umehluko

Umehluko omkhulu lokho kwenzelwa ukuqashisa inkampani eqashisayo ihlala ingumnikazi wemoto kuze kuphele inkontileka. Uma kwenzeka ubhaliswa isikweletu ubunikazi budlula ngokushesha, imoto imane yathenjiswa yibhange.

Kuvela ukuthi umqashi ubungozi obukhulu kakhulu kunombolekisi. Ngakho-ke, lapho uthenga imoto ngokuqashisa, izidingo zomuntu ngamunye zincane kakhulu.

Izici ezikhethekile zokudluliswa kobunikazi ezichaza ukuthandwa okuphansi kokuqashiswa. Abathengi abaningi abangaba khona bayesaba ukuthi umqashisi angayibuyisela imoto nganoma yisiphi isikhathi uma kwenzeka kubambezeleka ukukhokha noma ezinye izimo zamandla amakhulu.

Abanye bathatheka ngokuthi esimweni sokuqashisa, izinkokhelo zivame ukuba ngaphansi kunalezo ezibolekwe. Kodwa-ke, abanaki lokho okubizwa ngokuthi inani eliyinsalela... Kufanele ikhokhwe kumqashisi ngemuva kokuphela kwenkontileka. Kulesi simo kuphela imoto iba impahla yalowo oqashile. Futhi, inani lokukhokha lingaxhomeka enanini lokukhokha kokuqala.

Kuvela ukuthi lapho kubhaliswa isivumelwano sokuqasha, umthengi uvame ukukhokha kancane ngenyanga. Kulokhu, kukhokhwa amanani amakhulu ekuqaleni nasekupheleni kwenkontileka. Ngokwesiko, lesi sikhathi siyahlukahluka kusuka 1 konyaka ngaphambi 5 iminyaka.

Izinzuzo eziphambili (+) zokuqashiswa kwezimoto

Ngakho-ke, uchungechunge izinzuzo ukuqasha imoto:

1. uhlelo lokukhokha lungakhethwa ngokuya ngamakhono wangempela womthengi;
2. kudingeka imibhalo embalwa ukuqedela okwenziwayo;
3. isicelo sithathwa njengeshesha kakhulu kunesimboleko;
4. azikho izibambiso neziqinisekiso ezidingekayo;
5. umthengi uzinqumela yena ukuthi ayibhalise yini imoto noma ayibuyisele enkampanini yokuqashisa;
6. izinkokhelo eziphansi zanyanga zonke kunokubolekwa yibhange.

Ukuqashiswa kwezezimali kuvumela abashayeli bezimoto ukuthi basuse izinkinga eziningi futhi bonge kakhulu isikhathi. Le nzuzo ibaluleke kakhulu lapho uqhuba ibhizinisi ngabantu (okungukuthi, njengosomabhizinisi ngamunye (usomabhizinisi ngamunye) - sesivele sikuchazile ukubhaliswa nokubhaliswa kosomabhizinisi ngamunye ku-athikili yokugcina).

Ububi obukhulu be (-) ukuqashiswa kwezimoto

Yize kunenani elikhulu kakhulu lezinzuzo, ukuqashisa kunenombolo ye- yokuntula:

• imoto ngeyomqashisi kuze kuphele inkontileka, ngakho-ke, noma kubambezeleka okuncane, inkampani eqashisayo ingayilanda imoto kwiklayenti layo;
• abantu abanazo izikhuthazi zentela zokuqashisa okwenziwayo;
• umqashi akakwazi ukuthokozisa imoto.

Kufanele kuqondwe ukuthi ayikho impendulo eyodwa embuzweni onenzuzo enkulu - ukubolekwa kwemali noma ukuqashiswa. Kuyadingeka ukwenza izibalo esimweni ngasinye futhi uncike ezinhlosweni ezibekwe ngumthengi.

Singakusho impela lokho ukuqashiswa kwezezimali (ukuqashisa) kunenzuzo enkulu ezimweni lapho, ngemuva kokuphela kwenkontileka, umnikazi wemoto ehlela ukuyibuyisa imoto. Kulokhu, angathenga kalula imoto entsha ngaphandle kokucabanga ngokuthengisa endala.

Ithebula lokuqhathanisa: "Umehluko phakathi kokuqashisa nokubolekwa kwemoto kwabantu"

Kusizakala kakhulu ukuqhathanisa imalimboleko yemoto nokuqashisa ngokufaka zonke izici zazo etafuleni.

Sayina	Imalimboleko yasebhange yemoto	Ukuthenga imoto ngokuqashisa
Isihloko senkontileka	Zombili izimoto ezintsha nezisetshenzisiwe	Izimoto ezintsha zabagibeli, imvamisa ezangaphandle
Isikhathi sesivumelwano eminyakeni	1-5	1-3
Imali yokuqala	Ubuncane be-15%	0-49%
Imibhalo edingekayo	Isethi ephelele Uma unethuba lokuqedela ukuthengiselana ngemibhalo embalwa, izindleko zomthengi zanda kakhulu	Iphasiphothi nelayisense yokushayela
Umshuwalense odingekayo	I-OSAGO ne-CASCO	I-MTPL iyisibopho se-CASCO ngokubona komthengi, kepha uma ingekho, intengo yesivumelwano iyakhuphuka
Ukudluliswa kobunikazi	Ngokushesha, imoto ithembiswa yibhange kuze kubuyiswe imali ebolekiwe	Kuze kuphele ukukhokha, imoto iphethwe yinkampani eqashisayo, umthengi uyayithola ngokuqasha
Isikhathi sokubhalisa	Ngokwesiko kusuka ezinsukwini ezimbalwa	Ngokushesha okukhulu, kwezinye izimo kungakapheli usuku
Imikhawulo yokuhamba	Akukho	Umngcele ungawela kuphela ngemvume yomqashisi
Izinsizakalo ezingeziwe	Akukho	Kwesinye isikhathi intengo yenkontileka ifaka phakathi ukuhlolwa kobuchwepheshe, ukuguqulwa kwamathayi wonyaka, intela yezokuthutha ikhokhwa yinkampani yokuqashisa
Ukubuyiselwa kwemoto kokweletwayo	Uma kwenzeka kubambezeleka ngesinqumo senkantolo	Ngaphandle kokumangalelwa ngesinqumo somqashisi

Izibalo ezisuselwa kusibonelo esithile

Ake sithi unquma ukuthenga imoto yalolu hlobo IMitsubishi lancerokufanelekile 700 000 ama-ruble. Akunzima ukubala inani lenkokhelo yanyanga zonke - udinga nje ukuthola umuntu osebenza online wokubala wemalimboleko bese ufaka yonke imingcele eyaziwayo. Funda ngokuthi ungayibala kanjani imalimboleko yemoto online ku-athikili yehhotela kumagazini wethu.

Njengomphumela, sisebenzisa amapharamitha alinganiselwe wokuqashisa nemalimboleko yemoto, sithola ukuthi inkokhelo esimweni sokuqala izoba 15 000, nakwesibili - cishe 23 000 ama-ruble. Kungabonakala ukuthi lapho kuqashiswa inani lezinkokhelo kubaluleke kakhulu ngezansi. Kodwa-ke, lo mthetho usebenza kuphela uma imoto kufanele ibuyiswe ngemuva kokuphela kokuqasha.

Isibonelo sikhombisa izibalo iminyaka emithathu.

Uma inhloso yomthengi kungukuqashisa nje kuphela, lapho-ke ukuqasha kuzoba nenzuzo enkulu. Kodwa-ke, uma ufuna ukusebenzisa imoto ngokusebenzisa 36 izinyanga kuzodingeka zikhokhe inani eliyinsalela lenkampani yokuqashisa. Ngenxa yalokho, izindleko zemoto izodlula ama-ruble ayi-1 000 000.

Ngasikhathi sinye, lapho uthenga ngesikweletu, kuzolingana 828 000 ama-ruble, angaphansi kakhulu. Ngakho-ke, uma ufuna ukugcina imoto yakho, kufanele ukhethe imali mboleko yemoto.

Ngakho-ke yini okufanele uyikhethe?

Ngaphambi kokukhetha phakathi kokuqashisa nokubolekwa kwemoto, kufanele uchaze ngokucacile izinhloso zakho.

Uma kunesifiso sokushayela imoto enesimo esibizayo futhi ngasikhathi sinye uyishintshele emotweni yokulungiswa kwakamuva, indlela ekahle yokuthenga kungaba ukuqasha ngaphandle kokuhlengwa okulandelayo.

Ngakolunye uhlangothi, uma inhloso ukuthenga imoto isikhathi eside, kungcono uhlale kuyo ukubolekwa kwelitshe.

Kepha ungakhohlwa ukuthi inkampani ngayinye inikela ngezimo zayo. Isimo singavela lapho imali mboleko ebhange elincane, kucatshangelwa inani elikhulu lamakhomishini angeziwe kanye nezinkokhelo, kuvela ukuthi ayizuzi kangako kunokuqashisa enkampanini enkulu enikeza izimo ezifanele kumakhasimende ayo.

Namuhla izinhlelo zokuqashisa zinenzuzo impela. Lokhu kuxhumene neqiniso lokuthi ukuthandwa kwensizakalo enjalo eRussia kusephansi kakhulu kunaseYurophu.

Akunzima ukuchaza lesi simo: izakhamizi zethu ziyesaba lapho impahla yempahla eziyisebenzisayo isezandleni zabantu besithathu. Bakholelwa ukuthi uma kuvela izinkinga, bangalahlekelwa yizimoto zombili nemali ekhokhelwe yona. Ngakho-ke, bakhetha ukuthatha imalimboleko, lapho ubunikazi budluliselwa kumboleki ngokushesha lapho bephothula isivumelwano.

Funda futhi indatshana yethu mayelana nemalimboleko ekhethekile yemoto, lapho sikhulume ngemibandela yokuthola imali mboleko yemoto ngokusekelwa nguhulumeni futhi sanikeza nohlu lwezimoto eziwela ohlelweni lokubolekwa kwezimoto okukhethekile.

2.3. Ukuqashiswa kwezimoto kosomabhizinisi ngabanye nabantu ngabanye - umhlahlandlela onemininingwane wokuthi ungaqashisa kanjani imoto kumuntu ngamunye (kufaka phakathi nosomabhizinisi ngamunye)

Ngokuvamile, inqubo yokubhaliswa kwezimoto (izimoto namaloli) ekuqashiseni abantu abathile ilula impela.

Imiyalo yesinyathelo ngesinyathelo yokuthenga imoto ekuqashisweni kwabantu ngabanye - izigaba eziyinhloko

Uma ufuna ukuthenga imoto futhi ungenayo imali, nat. umuntu (isakhamuzi esijwayelekile noma usomabhizinisi ngamunye) usebenza enkampanini yokuqashisa. Okulandelayo, sixoxa ngokuthi hlobo luni lwemoto esingathanda ukulithenga bese sihambisa isicelo. Kulokhu, kuzodingeka unikeze ubuncane bamadokhumenti.

Kuhlala ukulinda ukubhekelelwa kwesicelo futhi, ngesinqumo esihle, uthole imoto ukuze isetshenziswe.

Ngasikhathi sinye, muva nje, bekumiswe ngokomthetho ukuthi kungenzeka ukuqashiswa kwezimoto kuphela ngenhloso yokuzisebenzisela ukuthengisa. Ngakho-ke, izinkontileka ezinjalo zenzelwe kuphela okokusebenza okukhethekile, ukuthuthwa kwempahla namabhasi.

Kuze kube manje, kungenzeka ukuthola ngokomzimba. abantu (kubandakanya osomabhizinisi ngabanye) ekuqashisweni nase izimoto zabagibeli.

Kunoma ikuphi, ukubhalisa imoto yokuqashisa isikhathi eside kwezezimali, kuzodingeka uhambe ngezinyathelo eziningana ezilandelanayo.

Isinyathelo # 1. Ukukhetha imoto ngamapharamitha kanye nentengo

Okokuqala, udinga ukunquma ukuthi iyiphi umthengi afuna ukuyithenga. Kufanele kukhunjulwe ukuthi imvamisa ekuqashisweni ungathenga kuphela izimoto ezintsha zomkhiqizo owaziwayo. (IMercedes-Benz, iBMW, i-Audi, iFord, i-Opel, iMazda, iHonda, iToyota, iNissan, iKia, njll.), lapho umkhiqizi ahlinzeka ngewaranti yesikhathi eside.

Isinyathelo # 2. Ukukhetha inkampani yokuqashisa, ifunda imigomo yesivumelwano sokuqashisa kanye nesivumelwano sokuqala

Imakethe yezimali yanamuhla ibonakala ngokuncintisana kwamahhala. Ngakho-ke, inani elikhulu lezinkampani linikela ngezinsizakalo zokuthengwa kwezimoto ngokuqashiswa, kubantu ngabanye nakosomabhizinisi ngabanye.

Mayelana nalokhu, kungaba nzima kakhulu ukukhetha izimo ezithandeka kakhulu futhi ungaweli ekuzingeleni kwabakhwabanisi. Ngakho-ke, kubalulekile ukwazi ukuthi yiziphi izindlela okufanele uzinakisise lapho ukhetha inkampani yokuqashisa.

Lapho ukhetha inkampani yokuqashisa, naka lezi zindlela ezilandelayo:

• isikhathi esingakanani inkampani ihlinzeka ngezinsizakalo emakethe;
• ubukhulu benhlangano;
• inhlalakahle yezezimali yenkampani;
• idumela;
• ukubuyekezwa ngemisebenzi yenkampani yokuqashisa kwabezindaba, kanye naku-Intanethi;
• ukutholakala kwemikhawulo kuma-lessees, kanye nesihloko sesivumelwano.

Lapho uthenga imoto, inkomba ewujuqu imvamisa iyinani lokuqashisa ngemoto. Kodwa-ke, akulula ukuthi umuntu ngaphandle kwemfundo yezezimali aqonde imininingwane yesibalo sayo. Imiqondo "Khuphuka ngentengo", futhi "Inani eliyinsalela" kungadida. Abantu abaningi bakhohlwa ngokuphelele ukubabheka.

Kungakho ngenqubo yokukhetha umqashisi kuzoba wusizo ukufuna usizo kubaluleki bezezimali. Ngokusebenzisa izinsizakalo zabo, ungonga kakhulu ekuqashiseni imoto.

Isinyathelo # 3. Ukulungiswa kwemibhalo yokuthola ukuqashiswa

Ukufaka isicelo sokuqashiswa, uzodinga ukulungisa iphakethe lamadokhumenti. Ezinkampanini eziningi ukwakheka kwayo kuyafana.

Ngokwesiko, iphakethe lemibhalo lifaka:

• isicelo sokuqashiswa kwezimoto;
• ipasipoti;
• ilayisense yomshayeli;
• isitifiketi, isimemezelo noma omunye umbhalo oqinisekisa imali engenayo;
• ikhophi yencwadi yomsebenzi noma isitifiketi sokubhaliswa njengosomabhizinisi ngamunye.

Imvamisa, abukho ubunzima ekuqedeni uhlelo lokusebenza. Lokhu kungenxa yokungabi bikho kwesidingo sokuhlinzeka ngesibambiso nama-guarantors. Ngasikhathi sinye, izinkampani eziningi eziqashisayo aziphoqi izimfuno eziphakeme eminyakeni yobudala bababoleki. Iningi lazo likuvumela ukuthi ufake isicelo sokuqashiswa useneminyaka engu-18 ubudala.

Isinyathelo # 4. Umshwalense wemoto oqashiwe

Umshuwalense uyisinyathelo esidingekayo enqubweni yokubhalisa imoto yokuqashisa. Ukuphetha kwezinhlobo ezimbili zomshuwalense kuyimpoqo: OSAGO futhi CASCO.

Ngokwethiyori, i-OSAGO ingakhishwa ngokushesha ngaso sonke isikhathi sesivumelwano sokuqashisa. Kodwa-ke, ochwepheshe batusa ukuthola inqubomgomo entsha minyaka yonke. Izinzuzo zalolu khetho izaphulelo lapho uphinda ukhipha inqubomgomo komshuwalense oyedwa, noma ikhono lokusesha inkampani enamanani amnandi kakhulu.

Lapho uthatha umshwalense we-CASCO, umzuzu ngamunye kumele kuvunyelwane ngawo nomqashisi. Angaya emhlanganweni neklayenti futhi avume ukukhipha izingozi ezingenakwenzeka kumgomo. Ngasikhathi sinye, izindleko zokuthola umshwalense zizokwehla kakhulu.

Isinyathelo # 5. Isiphetho sesivumelwano sokuqashisa

Uma kwenzeka ukuthi bobabili abathintekayo emsebenzini wokuqashisa imoto bavumelana nemibandela yesivumelwano, kuyasayinwa.

Isivumelwano esinjalo singahlinzeka ngamalungelo nezibopho ezilandelayo:

• iklayenti lithola imoto ukuze isetshenziswe;
• njalo ngenyanga umqashi kufanele adlulisele inani elithile lemali kumqashisi;
• uma kuhlinzekwa ngenkontileka, iklayenti liphoqelekile ukukhokha inkokhelo yokuqala;
• imoto ingasetshenziselwa noma iyiphi injongo engaphikisani nomthetho wamanje;
• Umqashi uphoqelekile ukuba aqaphe isimo semoto, ahlolwe njalo ngezobuchwepheshe, futhi aqinisekise nezimo ezifanele zokugcina.

Ungalanda futhi nesivumelwano sesivumelwano sokuqashisa kusixhumanisi.

Ngakho-ke, kunohlelo lwendabuko lokuqashisa ngezimoto. Kubalulekile ukwazi ama-nuances esigabeni ngasinye sokwenziwe ukuze uthole inzuzo ephezulu kuso. Sincoma futhi ukuthi ufunde i-athikili "Ungasithola kanjani isikweletu kusomabhizinisi ngamunye ngaphandle kwesibambiso nabaqinisekisi."

Ukuqashisa ngemoto izinhlangano ezisemthethweni abantu - kuyini, yiziphi izinzuzo nokubi, okuzuzisa kakhulu - ukubolekwa kwemoto noma ukuqashiswa kwemoto kwenhlangano + izigaba eziyinhloko zokuqashisa

3. Ukuqashisa imoto ngezinhlangano ezisemthethweni - imibandela yokuthenga imoto ngokuqashisa + imiyalo yesinyathelo ngasinye yokuthenga imoto yezinhlangano ezisemthethweni 📋🚕

Kunezizathu eziningi zokuthi kungani inkampani esemthethweni ingadinga ukuthenga imoto. Lokhu kufaka phakathi isidingo sokwandisa izimoto zezimoto ngenani elikhulayo lamakhasimende, ukuhlelwa kwenkonzo yokulethwa kwezidingo, isidingo semoto emele umphathi.

Ngesikhathi esifanayo, inkampani inezinketho eziningi zokuthola imoto: ungayiqasha noma uyithenge. Zombili lezi zindlela zidinga ukutshalwa kwezimali okukhulu.

Kukhona enye inketho enenzuzo enkulu, okuthi, noma kunjalo, iseyintsha impela emakethe yasekhaya - ukuqashisa imoto... Le sevisi ibizwa ngokuhlukile ukuqashiswa kwezezimali isikhathi eside.

Namuhla, ukuqashwa kuyadingeka kuzo zonke izifunda, ochwepheshe babikezela ukukhula kwaso ekuthandweni kungekudala.

3.1. Ukuqashisa ngemoto izinhlangano ezisemthethweni - ingqikithi nezici

Ezinhlanganweni ezisemthethweni, ukuqashisa kuyindlela ephumelela kunazo zonke futhi esheshayo yokuthenga imoto. Kubalulekile ukuthi wazi ukuthi izinkampani eziyisebenzisayo ziyathola izikhuthazi zentela... Ngaphezu kwalokho, ngokukhetha okulungile kohlelo lokuthengiselana, izinzuzo zezomnotho nazo zingatholakala.

Ukuqasha okuvumela izinkampani ukuthi zibone ukwenza okunzima kakhulu. Ngenxa yezikimu ezisetshenziswa ngokwesiko, ungashesha kakhulu, ngokutshala imali encane, thenga izinhlobo ezilandelayo zemishini:

• izimoto ezintsha zabagibeli, kufaka phakathi isigaba esiphezulu;
• izimoto ezisetshenzisiwe;
• izimoto ezithwala impahla, kufaka phakathi ogandaganda, amaloli, amaloli anoma yimuphi umthwalo, ama-trailer kanye nama-semi trailer.
• amabhasi;
• imishini ekhethekile - ibanga, onoganda bamaloli, abembayo.

Kuyini ukuqashiswa kwezimoto ezinhlanganweni ezisemthethweni - incazelo

Sesishilo ukuthi yini ukuqashisa.

Kuyamukelwa ngokusemthethweni ukusebenzisa le ncazelo elandelayo:

Ukuqashisa Ingabe uhlobo lomsebenzi wokutshala imali ohlose ukuqashisa impahla isikhathi esithile esinqunyelwe nethuba lokuhlenga ngokuzayo.

Ngamanye amagama, ukuqashisa uhlobo olukhethekile lokuqashisa kwesikhathi eside. Lapho siphelelwa yisikhathi, umqashi unelungelo lokuthenga kabusha impahla aqashise ngayo.

Ngokwesiko, amaqembu amathathu ayabandakanyeka entengiselweni yokuqashisa:

1. omncane kungaba inkampani eqashisayo noma isikhungo sekhredithi;
2. umqashi kungaba kokubili inhlangano esemthethweni kanye nomuntu;
3. umphakeli wendawo eqashisiwe. Kungaba ngumthengisi, umkhiqizi, noma umsabalalisi osemthethweni.

Kwezinye izimo, umbambiqhaza wesine angahlukaniswa kokuthengisanayo - umshwalense... Imvamisa, umele izintshisekelo zeqembu elidlulisa impahla.

Imibandela yomsebenzi wokuqashisa isethwe enkontilekeni. Lapha kungakhonjiswa:

• uhlelo lokukhokha;
• inani lesitolimende sanyanga zonke;
• inani lokukhokha kusengaphambili.

Ezinhlanganweni ezisemthethweni, izinkampani ezinkulu eziqashisayo zivame ukunikela ngezikimu eziningi zokuthola impahla ngokuqashisa:

• ngokubuya kwemoto;
• ngokuthengwa kabusha kwemoto, lapho isikhathi sesivumelwano sesiphela;
• ukuqashwa kokusebenza, okuqasha imoto isikhathi eside ngokulungiswa kwayo kwezobuchwepheshe kanye nokunikezwa kweminye imisebenzi;
• ezinye izinhlobo zezinhlelo zokuqashisa.

Ukusetshenziswa kwezimoto eziqashisayo kusiza izinhlangano ukuthi zithuthukise ukusebenza kahle kwemisebenzi yazo, kanye nokusetshenziswa kwezimali, kukhuphula ijubane lentuthuko.

Ngasikhathi sinye, izinkampani eziqashisayo zinikela ngokuqedela ukuthengiselana ngokushesha okukhulu, ungalibazisi ukucutshungulwa kwesicelo.

Qaphela! Mayelana nokubhaliswa kobunikazi bemoto yinkampani eqashisayo, inkampani yokuqashisa iyakhululwa ekukhokheni intela kuyo.

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Kubalulekile ukukhumbula ukuthi osomabhizinisi ngabanye abekho ezinhlanganweni ezisemthethweni. Ngakho-ke, ukubhaliswa kwezimoto eziqashiswayo kubo kwenziwa ngokwezikimu ezisetshenziswa ngabantu (lokhu kuxoxwe ngenhla).

3.2. Izinzuzo nezinzuzo zokuqashisa izinhlangano ezisemthethweni - izibalo ezicacile, okunenzuzo enkulu: ukuqashisa noma ukukhokha + ithebula lokuqhathanisa

Inani le- izinzuzoukubolekiswa okungokwemvelo kwezinhlangano ezisemthethweni:

1. Ijubane elikhulu lokubhalisa. Ibhizinisi elisemthethweni akudingeki lilinde isikhathi eside ukuze liphendule isicelo salo, ngaphezu kwalokho, alidingi ukunikeza idiphozi.
2. Izikhuthazi zentela. Kungenzeka ubuyisele i-VAT ekhokhwe njengengxenye yezinkokhelo zokuqashisa ngokugcwele.
3. Amandla wokusebenzisa ukwehla okusheshayo. Abanye abangaphansi banikeza amaklayenti abo ithuba lokusebenzisa ukwehla okusheshayo. Ngenxa yalokhu, intela ekhokhwayo yenzuzo iyancishiswa.
4. Ukuheha kokutshala imali kwenhlangano kuhlala kusezingeni eliphakeme ngokungaguquki. Izinkokhelo zokuqashisa azithinti ibhalansi yezimpahla, azinyusi izikweletu zenkampani.
5. Izintengo ezithandekayo nezintela kumthengi. Lokhu kungenxa yokuthi ukuqashisa kuvame ukukhuthazwa ngabakhiqizi bezimoto, abathengisi nabanye ababambe iqhaza. Bazama ukwandisa ukuthengisa, ngakho-ke bakhuthaza ukuqashiswa kwezimoto, banikeze izaphulelo kanye nezinzuzo ezahlukahlukene.
6. Isheduli yokukhokha elula, ehlanganiswa ngawodwana esimweni ngasinye.
7. Ayikho imikhawulo ngomkhiqizo, unyaka wokwenziwa, uhlobo nemodelikufakwe emotweni ethengiwe.

Ngakho-ke, ukuqashisa kuhlanganisa ukonga intela nejubane lokubhalisa nezinhlobonhlobo zezinketho ezinikezwayo. Imvamisa, njengezinsizakalo ezingeziwe, iklayenti lingasebenzisa ukuhlolwa kobuchwepheshe, ukuguqulwa kwamathayi ngezikhathi ezithile, ukulungiswa mahhala.

Izimoto ezinezinjini ezinkulu zivame ukwehliswa inani yi kusheshisiwe isimiso. Ngenxa yalokhu, badluliselwa ebhalansi lenhlangano elinenani eliphansi lokusalela.

Imigomo ukuqashisa Ngokungafani isikweletu zihlala zodwa. Kuvunyelwe iklayenti ukwengeza eminye imigomo esivumelwaneni noma ukukhipha amaphuzu athile kuso ngokubona kwalowo oqashile.

Kuvela ukuthi ukuqashisa kwehlukile esikweletini cishe kuzo zonke izici zobuhle baso. Umehluko okhanga kakhulu useqinisweni lokuthi lapho kubhaliswa isivumelwano sokuqashisa, kubekwa izidingo eziqinile kakhulu kwiklayenti kunangesikhathi sokubolekisa.

Lesi simo sezinto sichazwa ngokulula: imisebenzi yamabhange ilawulwa ngokuqinile ICentral Bank, zidingeka ukuthi zigcine uketshezi kanye nezinkomba zobungozi ezingeni elithile. Ngenxa yalokhu, amabhange anqunyelwe ekuthathweni kwezinqumo. Lokhu kuyiqiniso ikakhulukazi ekukhishweni kwemali mboleko.

Izinkampani eziqashisayo zisebenza ngemigomo ehlukile. Lapho benza isinqumo, basuselwa kuphela esimweni samanje sebhizinisi lenkampani, kanye nasemathemba ayo, kucatshangelwa ukubikwa kwenkampani.

Ithebula: "Ukuqhathaniswa kokuqashisa nokubolekwa kwezinhlangano ezisemthethweni"

Umehluko omkhulu phakathi kwekhredithi nokuqashisa kufingqiwe etafuleni elingezansi.

Isici	Imalimboleko yemoto	Ukuqashisa
Isikhathi sokucatshangelwa	Imvamisa amasonto amathathu kuya kwayisithupha	1 kuya kumaviki ama-4
Intela yempahla	2.2% wenani lemoto	Akukhokhisiwe
I-VAT	Akukho ukubuyiselwa kwemali okunikeziwe	Kubuyiswe inani elikhokhiswe ekukhokheni
Isikhathi esichithwa ekwehleni	Iminyaka engu-5-7	Imvamisa iminyaka emibili kuya kwemithathu, kweminye imikhiqizo yezimoto ingaphansi
Isibambiso	Kuyadingeka	Akudingeki
Uhlelo Lokukhokha	Kulungisiwe	Ngamunye
Ukubalwa kwezimoto kubhalansi lekhasi lomqashi	Yebo	Cha
Ukuthenga izimoto ezisetshenzisiwe	Akunikeziwe	Kunikeziwe
Isikhathi sesivumelwano	Kuze kube yiminyaka emithathu	Izinyanga ezingama-24-60

Lapho uthenga imoto ngesikweletu, izaphulelo ngokuvamile azinikezwa. Uma ukhetha ukuqashisa, cishe ngo-90% amacala, ungalindela ukwehliswa kwamanani abalulekile. Lokhu kuyiqiniso ikakhulukazi kwimisebenzi lapho abathintekayo babandakanyeka khona - abahlinzeki noma abathengisi.

Kwesinye isikhathi lokhu kwehliswa kwentengo kungabonakala impela. Ngakho-ke, izinhlangano ezisemthethweni zinganikezwa ukuqashiswa ngaphansi kwezinhlelo lapho kunganyuki khona intengo.Ngasikhathi sinye, izindleko zemoto eqashisiwe ngeke zehluke kunani elihlinzekelwe ukuthenga ngemali.

Kodwa naphezu kokuthi ukuthenga imoto kunenani elikhulu kakhulu lezinzuzo, kungenzeka ukuthi ukhethe futhi ukulinganiselwa ukuthengiselana okunjalo. Okuyinhloko ukuthi imoto eqashisiwe ingeyomqashisi onelungelo lobunikazi kuze kube sekupheleni kwenkontileka.

Enye ethile ebalulekile ukuthengiselana okunjalo iqiniso lokuthi umqashisi unelungelo lokuthatha imoto ngaphandle kokuya kosizo lwenkantolo. Ukuze wenze lokhu, kwanele ukuvuma ukwephulwa kwemigomo yesivumelwano sokuqashisa. Kukhona nezimo lapho impahla ithathwa kumqashisi lapho kuvela ubunzima bezezimali.

Isibonelo sokubala

Ake sicabangele izibalo sisebenzisa isibonelo. Ake sithiukuthi imoto yathengwa ngokuqashisa, ebiza ama-ruble ayisigidi. Kulokhu, kuzodingeka ukhokhe ama-ruble ayi-20 000 njalo ngenyanga. Uma imoto efanayo ithengwa ngesikweletu, inkokhelo izoba cishe ama-ruble angama-40,000.

• Inzuzo yokuqashisa kusibonelo ayingabazeki. Kepha kunombandela owodwa - izibalo zinikezwa lezo zimo lapho kuphela isivumelwano imoto ibuyiselwa enkampanini yokuqashisa... Lokhu kusizakala uma kuhlelwa ukuthi kufakwe okusha esikhundleni esisha.
• Uma kuhlelwe ukutholwa kokuqashiswa ngokudluliswa kobunikazi okulandelayo kumqashi, inani eliphelele elikhokhelwe lizolingana cishe. Ngasikhathi sinye, okuwukuphela kwenzuzo yokuqashiswa kwesikhathi eside yithuba lokuthola izinzuzo zentela, kanye nokonga isikhathi esiningi.

Kuvela ukuthi kungenzeka ukukhomba ukuthi yini enenzuzo enkulu - imalimboleko noma ukuqashisa - kuphela ezimweni ezithile. Kulokhu, kuzodingeka ubale inani lezinkokhelo, kanye nezindleko eziphelele zemoto kuzinhlelo ezithile.

Imiyalo eningiliziwe yokuthenga imoto ekuqashisweni kwezinhlangano ezisemthethweni ngezinyathelo ezi-5 ezilula

3.3. Uyibolekisa kanjani imoto enhlanganweni esemthethweni - umhlahlandlela onemininingwane wokuthenga imoto ezinhlanganweni ezisemthethweni

Lapho kubhaliswa imoto yokuqashisa, kuthathwa njengokufanele ukufaka ochwepheshe kunqubo yokuthengiselana onayo nakhu zomthethoe noma imfundo yezezimali... Uzokwazi ukubheka yonke imisindo yokuthengiselana. Ngaphezu kwalokho, umuntu onjalo uzosiza ukufezekisa izimo ezingcono ohlelweni lokusayina inkontileka.

Ezinkampanini ezinkulu, uchwepheshe onjalo uvame ukufakwa ohlwini esimweni... Kulezo zinkampani ezingenaye uchwepheshe onjalo, kuyalulekwa ukuthi zifune usizo ezinhlanganweni zezimali ezivela eceleni.

Akunandaba noma ngabe ukuthengiselana kuyaqedwa ngokubandakanyeka kochwepheshe noma cha, ngale nqubo umqashi kufanele adlule ezinyathelweni eziningana.

Isinyathelo # 1. Ukukhetha okunekhono kwemoto nokuqashisa inkampani, ukujwayela imigomo yesivumelwano sokuqashisa

Enqubweni yokukhetha imoto, kubhekwa izidingo nezicelo zenkampani yomqashi. Imvamisa kulesi sigaba, umqashisi unikeza iklayenti lakhe ikhathalogi, equkethe izinketho ezingaba khona zemikhiqizo yezimoto, amamodeli nokuguqulwa okuthile.

Yize iqiniso lokuthi imvamisa oqashile esevele ecabanga ukuthi ufuna ukuthenga yiphi imoto, noma kunjalo, esigabeni sokuqala, umuntu kufanele anqume ngokuguqulwa okudingekayo, kanye nezinsizakalo ezingeziwe.

Kubalulekile ukukhetha hhayi kuphela ukuhluka okuhle kakhulu kwemoto, kodwa futhi omncanelapho ukubambisana kuzokwenziwa. Kulokhu, umuntu kufanele abheke ukuthi liyini idumela lenkampani yokuqashisa, ukuthi ibiside kangakanani emakethe.

Kuyadingeka futhi ukuhlola okutholakalayo ukubuyekezwa, uma kungenzeka, buza mayelana nomqashisi phakathi kwabangane nabantu obajwayele. Ochwepheshe bakholisa: kwanele ukuchitha isikhashana uhlola umqashi ukugwema izinkinga ezinkulu ngokuzayo.

Kodwa-ke, kubalulekile hhayi kuphela ukukhetha imoto nenkampani yokuqashisa, kepha futhi nokufunda imigomo eyinhloko yenkontileka, efaka:

• inani lokukhokha kusengaphambili noma kokuqala - lihluka kakhulu ezinkampanini ezahlukahlukene, kungenzeka lingabi khona noma lifinyelele uhhafu wezindleko zemoto;
• usuku lokukhokha, kanye nenani lezinkokhelo ezidingeka ukuthi zenziwe njalo ngenyanga;
• imibandela okumele ihlangatshezwe ekugcineni kwesivumelwano sokuqashisa - ukubuyiselwa kwemoto noma ukukhokhwa kwenani eliyinsalela.

Uma imibandela enikezwa kule nkampani yokuqashisa ifanele iklayenti, kufanele igcwalise bese ithumela isicelo kumqashisi. Ngemuva kokucatshangelwa kwayo esikhathini esisungulwe yinkampani, kuzothathwa isinqumo.

Isikhathi esibekiwe lapho impendulo izonikezwa sehlukile komunye oqashisayo kwesinye. Iyahlukahluka kusuka izinsuku eziningana ngaphambi amasonto ambalwa.

Isinyathelo # 2. Ukuqoqwa kwemibhalo yokubhaliswa kokuqashiswa

Uma, ngokuya ngemiphumela yokucubungula isicelo, kwenziwa isinqumo esihle, kuzodingeka ukuthi unikeze umqashisi iphakethe elithile lamadokhumenti. Kungakuhle ukuyilungiselela kusengaphambili. Lokhu kuzokonga kakhulu isikhathi esibalulekile.

Ngokwesiko, inhlangano esemthethweni ingadinga ukubhalisa imoto ukuze iqashe:

1. Isicelo esisayinwe ngumuntu ogunyaziwe wenhlangano (imvamisa inhloko).
2. Uhlu lwemibuzo lukaLessee olunezimpawu eziyimpoqo kulo.
3. Ikhophi yenguqulo yamanje ye-Charter.
4. Ikhophi yesitifiketi eqinisekisa ukubhaliswa kwentela.
5. Ikhophi yesinqumo okuzobekwa ngaso inhloko yenhlangano.
6. Amakhophi amadokhumende afakazela ubunikazi benhloko, kanye nabasunguli benkampani.
7. Ishidi le-Balance nezinye izitatimende zezezimali.
8. Imininingwane ngokutholakala kwama-akhawunti asebhange.
9. Kudingeka Imvume Yokucutshungulwa Kwedatha Okungaphazanyiswa.

Isibonelo sokugcwalisa uhlu lwemibuzo lomqashi (isibonelo sohlelo lokuqashisa)

Lolu hlu luyinkomba; imvamisa izinkampani eziqashisayo zingadinga amanye amadokhumenti.

Isinyathelo # 3. Ukuloba nokuphothula inkontileka

Ngemuva kokuthi kuvunyelwene ngayo yonke imigomo, kukhona ukusayina inkontileka... Ukusuka kulo mzuzu, ukuthengiselana kokuqashwa kwemoto kwezezimali kuyaqala.

Kubalulekile ukuthi uyithathe ngokungathí sina ukwenza uhlelo lokukhokha... Isimo senkampani sizoncika ekutheni ikhethwe kahle kanjani. Ngakho-ke, lo mzuzu wokuqedela imisebenzi yokuqashisa uvame ukubizwa ukhiye.

Uhlelo lokukhokha kufanele luhambisane nesigqi sebhizinisi lomqashi, ngosuku lokutholwa kwezinkokhelo ezibaluleke kakhulu. Akufanele kuthikameze ukuthuthukiswa kwebhizinisi, kuphazamise isimo sezimali senhlangano.

Ezinye izinkampani eziqashisayo zinikeza ithuba lokwenza uhlelo lokukhokha lwangezikhathi ezithile oluzogxila ekutholeni izimali ezinkampanini ezisebenza ebhizinisini lonyaka.

Kusayinwa inkontileka - inqubo engathathi isikhathi esiningi. Ngaphezu kwalokho, abanye abangaphansi banikezela ngezinsizakalo zokuhamba zale nhloso ngqo ehhovisi leklayenti.

Naphezu kwakho konke, inkontileka kufanele iphathwe ngayo ukunakwa okuphezulu... Kubalulekile ukuthi abameli bomqashi balifunde ngokucophelela. Uma kungekho mmeli kuhulumeni, ngeke kube yinto engadingekile ukuxhumana nabachwepheshe abavela eceleni. Lokhu kuzogwema izinkinga ezinkulu nokungaqondani ngokuzayo.

Isinyathelo # 4. Ukukhokhwa kwesitolimende sokuqala ngaphansi kwesivumelwano sokuqashisa

Ngemuva kokusayina inkontileka, inkampani iyakhokha kusengaphambili. Imvamisa kuba njalo kusuka ku-5 kuye ku-15%... Ezinye izinkampani eziqashisayo zisayina izinkontileka ngaphandle kokufaka imali ngaphambili, kwezinye - inani lokukhokha kusengaphambili lifinyelela uhhafu wezindleko zemoto.

Uma ukukhokhwa kwemali kunikezwa ngemibandela yesivumelwano, imoto izodluliselwa ekusetshenzisweni kweklayenti kuphela ngemuva kokukhokha. Ngokwesiko, izinkontileka ziyaphothulwa isikhathi esithile kusuka 2 ngaphambi 5 iminyaka.

Isinyathelo # 5. Ukuthola imoto ezosetshenziswa

Ngokwesiko, imoto iyaqashiswa ngokusebenzisa umlamuli - umphakeli wemoto... Lokhu kwenzeka endaweni ethengisa izimoto noma ezidayisa izimoto. Kumele kukhunjulwe ukuthi ukubhaliswa komshwalense OSAGO iyadingeka.

Ngaphezu kwalokho, umshwalense unganikezwa ngesicelo somqashisi CASCO... Imoto kumele ibhaliswe ku Amaphoyisa omgwaqo.

Kusukela ngesikhathi sokuthola ukusetshenziswa, umqashi kufanele anakekele ukuphepha kwemoto, kanye nokuqinisekisa ukusebenza kwayo. Kodwa-ke, inkampani yokuqashisa, kanye nomhlinzeki wemoto bangasiza kulokhu ngokunikela ngezinhlobo ezahlukahlukene zezinsizakalo, futhi Ukusekela kwezobuchwepheshe.

Ngokuya ngemibandela yesivumelwano ekugcineni kwenkontileka, kunezindlela ezimbili ongakhetha kuzo ngokuqhubeka nemoto:

1. ibuyiselwa kumqashisi;
2. imoto idluliswa ibhalansi yencwadi yomqashi.

Endabeni yesibili, iklayenti kumele ukhokhe imali eyengeziwe inani eliyinsalela.

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Ngale ndlela, ukuqashisa izinhlangano ezisemthethweni ungaba umsizi oncomekayo ebhizinisini. Ngasikhathi sinye, ngenkathi kwenziwa isivumelwano, kubalulekile ukuthi uqaphele kakhulu.

Ngeke kube yinto engadingekile ukuxhumana ngaso sonke isikhathi nabezimali noma abameli abasebenza enkampanini. Uma kungenjalo, ungafuna usizo kumeluleki wezezimali ozimele.

Sikweluleka futhi ukuthi ufunde indatshana yethu yokuthi ungayithola kanjani imali mboleko yebhizinisi elincane nokuthi ungayithola kuphi ngaphandle kwesibambiso nabaqinisekisi.

Izinhlelo ezidumile zokuqashiswa kwezimoto

4. Izinhlelo zokuqashisa izimoto ezixhasa ngezimali - TOP-3 ethandwa kakhulu 🛠💰

Izinkampani eziningi eziqashisayo zinikeza iklayenti izinhlelo eziningana zokuthengwa kwezimoto zokuqashiswa kwezezimali ngasikhathi sinye. Imvamisa, zonke zibandakanya isimo sokwethembeka kumqashi, iphakethe elincane lemibhalo edingekayo, kanye nokwenza inkontileka ngokushesha.

Uhlelo 1. Ukuqashisa imoto ngaphandle kokukhokha phansi kwabantu (IE) nezinhlangano ezisemthethweni

Ngisho nezinhlangano ezisanda kubhaliswa zingakha isivumelwano sokuqashisa, yize ngokwesiko kufanele ulinde kusuka izinyanga eziyisithupha ngaphambi konyaka... Ngokwemvelo, amafemu amancane awakakwazi ukuthola imali yokukhokha kusengaphambili. Kungakho izinkampani eziqashisayo zinikela ngohlelo lokuqasha lwesikhathi eside ngaphandle kokwenza inkokhelo yokuqala.

Imvamisa, ukuqashwa ezimweni ezinjalo kunikezwa ukuthi kukhishwe ngqo abakhiqizi bezimoto, futhi abathengisi abasemthethweni... Banentshisekelo ekuthengisweni kokuqala kwezimoto.

Ngaphezu kwalokho, uhlelo olungenayo inkokhelo yokuqala lungasebenza kuzinto zomkhiqizi nomkhiqizo othile, lapho kwenziwa isivumelwano phakathi komqashisi nomthengisi. Ngokwemigomo yayo, lapho imoto ikhishwa kumqashi, inkampani eqashisayo inelungelo lokuyibuyisela kumenzi wayo.

Uhlelo 2. Ukuqashiswa kwezimoto ezinokwazisa okungatheni

Uhlelo lokuqashisa okungabizi zero luthatha ukuthi inani eliphelele lokukhokha ngaphansi kwenkontileka ngeke leqe izindleko zemoto egumbini. Ukunikezwa okunjalo kwenzeka lapho umenzi enikeza inkampani yokuqashisa njengeklayenti yenkampani ebalulekile izaphulelo ezimotweni zabo.

Imvamisa, ukuthengwa kwezimoto ngokuqashisa (okungukuthi, ngokukhokhwa kwezitolimende) kuqalwa ngumenzi uqobo. Kulokhu, inhloso yayo ukukhushulwa kokuthengisa.

Ngakho-ke, ukuhlinzekwa kwezaphulelo ngabakhiqizi, kanye nokuxhaswa ngemali okungabizi kakhulu, kwenza ukuthi abaphansi banikeze izinhlelo zokuthengisa izimoto ngaphandle kokukhokha ngokweqile.

Uhlelo 3. Ukuqashiswa kwezimoto ngaphandle kokuhlola isimo sezezimali salowo oqashile (umthengi)

Ingcuphe lapho ubhalisa izimoto zokuqashisa isikhathi eside ezinkampanini eziqashisayo incane. Kunezizathu eziningana zalokhu:

1. Inkokhelo ephansi ihlanganisa okuzenzakalelayo okulandelayo.
2. Ubunikazi bemoto buhlala nenkampani eqashisayo ize ikhokhwe ngokuphelele.

Konke lokhu kuholela eqinisweni lokuthi kunezinhlelo zokuqashisa lapho isimo sezezimali singahlolisiswa noma sihlolwe okungenani.

Izinhlelo ezinjalo zingasetshenziselwa ukuqashisa isikhathi eside kwezimoto namaloli, imishini ekhethekile.

Izici zezinhlelo ngaphandle kokuhlolwa kwezezimali zingokulandelayo:

• ukuhlinzekwa kobuchwepheshe obusha;
• izindleko zemoto akufanele zeqe inani elithile;
• iphesenti liphakeme kunaphansi kwezimo ezijwayelekile.

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Ngakho-ke, kunezinhlobonhlobo zezinhlelo zokuqashiswa kwezimoto. Kubalulekile ukukhetha inketho enhle kakhulu esimweni ngasinye, kusuka ezimweni zokuqala nezinhloso zokugcina zeklayenti.

Izinkampani eziqashisayo: ukuthi ungazikhetha kanjani okuhle kakhulu (ezinokwethenjelwa futhi ezinonembeza) - izeluleko nezincomo

5. Ungayikhetha kanjani inkampani efanelekile yokuqashisa - iseluleko esisebenzayo esivela kongoti 📌

Emakethe yaseRussia namuhla, ukuqasha kunikezwa inani elikhulu lezinkampani. Zonke ziheha amakhasimende ngokushaya izipesheli, zichaza yonke imihlomulo. Ngasikhathi sinye, kunjalo, abazitsheli mayelana nezingibe zenqubo yokuqashisaungakhulumi ngamaphutha ayo.

Wonke umthengi kufanele aqonde ukuthi azikho izinhlelo zokuqashisa ezingeke zibe nezingqinamba futhi ezizofanela wonke umuntu.

Ochwepheshe bezezimali nabatshalizimali bancoma ukutadisha ngokucophelela la maphuzu alandelayo lapho ukhetha inkampani yokuqashisa ngokubambisana:

• isikhathi esingakanani umqashi esezimakethe zezimali;
• inhlalakahle yezezimali yenkampani yokuqashisa;
• liyini idumela lenkampani endaweni yezimali yobungcweti;
• ukuthi amaklayenti nezinhlangano ezizimele ziphendula kanjani kumqashisi;
• yimiphi imikhawulo ebekwa yizinhlelo zokuqashisa;
• usayizi womqashisi - kulokhu, kubhekiswa ukunakwa kobukhona begatsha ezweni, ubukhulu benethiwekhi yesifunda;
• indinganiso ebalulekile izindleko zemisebenzi enikezwayo.

Lapho ukhetha umqashi, kubalulekile ukuhlola zonke lezi zindlela ndawonye. Akufanele ikhohlwe ukuthi ukusebenza kokuthengiselana okuphelile kuncike ekuhlaziyweni okwenziwe. Kubalulekile ukuqonda ukuthi inhloso enkulu yanoma iyiphi inhlangano ukuthenga imoto kunenzuzo ngangokunokwenzeka ngezinkinga ezincane.

Uhlu lwezintandokazi phakathi kwezinkampani eziqashisayo kufanele lubandakanye izinhlangano ebezisebenza emakethe yaseRussia iminyaka eminingi. Ngaphezu kwalokho, kufanele babe nezinkontileka eziningi ezigcwalisiwe.

Ezinye izinto nazo zibaluleke kakhulu. Phakathi kwazo:

• izinga lokuvuleka kwenkampani;
• ifinyeleleka kanjani kumakhasimende ayo;
• ukuthi abasebenzi benkampani yokuqashisa banobungani kanjani;
• bangaki abasebenzi nokuthi likuphi izinga lomsebenzi wabo.

6. Ungayithenga kuphi imoto (noma iloli) ngokuqashisa - uhlu lwezinkampani zokuqashisa TOP-6 eRussia 📑

Amasayithi amaningi aveza ukubuka konke kwezinkampani eziqashisayo, kepha ikakhulukazi ngendlela yokukhangisa. Sizohlinzeka ngohlu lwabaqashisi abathandwayo ngenxa yedumela labo, kanye nezimo ezinhle. Kepha kufanele kuqondwe ukuthi uhlu lwezinkampani luhlukile ezifundeni ezahlukahlukene.

Okudume kakhulu yizinhlangano ezilandelayo zokuqashisa:

1. VTB24 Ukuqashisa... Le nkampani inikezela ukuhlela ukuqashiswa kwanoma yiluphi uhlobo lwezokuthutha, kufaka phakathi isitimela nezindiza. Le nkampani eyethulwayo ingaphansi kwesikhungo esikweletwa I-VTB, ikomkhulu lakhe lisenhlokodolobha. VTB24 Ukuqashisa inenethiwekhi ebanzi yegatsha, efaka cishe 35 ukwehlukana.

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2. Ukuqashisa Okukhulu - inhlangano eyasungulwa ngo-2008 eMoscow. Le nkampani eqashisayo ihlela izimoto zokuqashisa ngaphansi kwemigomo yezinhlelo ezahlukahlukene.Selokhu kwavulwa umqashisi, sekuphothulwe inani elikhulu kakhulu lezivumelwano, zombili nezinhlangano ezisemthethweni kanye nabantu. Namuhla inombolo yabo kweqe inkulungwane.

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3. Ukuqashisa kwe-Sberbank - inkampani ephethwe yibhange elikhulu laseRussia. Usayizi wephothifoliyo yokuqashisa yale nkampani ngo-2015 kwenziwe 370 ama-ruble ayisigidi. Lo mqashisi usebenza namakhasimende kuwo wonke amasayizi wamabhizinisi, kusuka kokuncane kuya kokukhulu. Ngaphezu kwalokho, isebenza hhayi kuphela endaweni yezwe lethu, kodwa futhi nasendaweni yamazwe angomakhelwane.

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4. I-Europlan Ingabe inkampani yokuqashisa yaseMoscow. Igxile ekuqashiseni imishini emisha eyenziwe kwamanye amazwe. Ngaphezu kwalokho, kunikezwa uhlelo oluyingqayizivele kozakwethu bebhizinisi "Konke kuhlanganisiwe"... Inikezela ngokuhlinzekwa kwenani elikhulu lezinsizakalo ezingeziwe.

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5. VEB Ukuqashisa Iyinkampani yaseMoscow egxile ezinhlanganweni ezisemthethweni nakosomabhizinisi ngabanye emisebenzini yayo.

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6. Ukuqashisa kwe-Intesa - inkampani yokuqashisa yendawo yonke eqale imisebenzi yayo ngo-2001 Manje usebenza amaklayenti ibhizinisi ezifundeni ezingaphezu kuka-20 eRussia.

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Ungaluthembi ngokungaboni lolu hlu oluncane. ERussia, inani elikhulu lezinkampani lihlinzeka ngezinsizakalo zokuqashiswa kwezezimali.

Lapho ukhetha uzakwethu, kufanele uholwe yizinhloso zebhizinisi, indawo lapho oqashe khona nomqashisi, nezinye izinto.

Akufanele futhi uwuthembe ngokuphelele futhi ngokuphelele umbono wabasebenzisi be-Intanethi. Kungcono ukuqoqa imininingwane eminingi ngangokunokwenzeka mayelana nezinkampani eziqashisayo.

Ngaphezu kwalokho, kuzoba wusizo ukwenza ukuhlaziywa okuningiliziwe kwakho konke ukunikezwa emakethe. Uma ungeke ukwazi ukukwenza ngokwakho, ungasebenzisa usizo lwabaluleki bezezimali.

7. Imibuzo ebuzwa njalo mayelana nokuqashiswa kwezimoto

Umbuzo 1. Uyibolekisa kanjani imoto kumuntu ngaphandle kokukhokha phansi?

Kungenzeka impela ukuthenga imoto (noma iloli) ngokuqashisa ngaphandle kokuba nezimali zokukhokha imali ekhokhelwa kusengaphambili. Ukuze wenze lokhu, udinga ukuthola umqashisi onikeza izinhlelo ngezimo ezinjalo.

Imvamisa, okunikezwayo ngaphandle kokukhokha phansi kunikezwa abancane abancane... Baqhuba ukukhushulwa okuhlukahlukene. Kodwa-ke, izinkampani ezincane zokuqashisa nazo zinikeza ukuqashiswa kwezezimali ngaphandle kokukhokha kusengaphambili ukuze kwandiswe ukuncintisana.

Izinketho ezinjalo akusizi kuphela abantu ngabanyeabangenayo imali yokukhokha kokuqala. Futhi, izinhlelo ngaphandle kokukhokha phansi zisiza izinhlangano ezisanda kudalwa. Baqala ukusebenza nje, ngakho-ke abakakwazanga ukuthola imali ngaphambi kwesikhathi.

Ungaba nentshisekelo kundatshana yethu "Imiyalo yesinyathelo ngesinyathelo yokuthi ungayivula kanjani i-LLC ngokwakho", lapho sihlolisise inqubo yesinyathelo ngesinyathelo yokubhalisa i-Limited Liability Company.

Umbuzo 2. Ngingayithenga imoto esetshenzisiwe ngokuqashisa?

Ukuthola izinkampani ezinikezela ukuqasha izimoto ezisetshenzisiwe kunzima impela. Iningi labangaphansi lithembisa ukuthenga kuphela izimoto ezintsha... Lokhu kuchazwa ngokushesha ngokwezinhlelo ezihlongozwayo zezinkampani eziqashisayo. Ngaphezu kwalokho, imvamisa ukuqashiswa kunikezwa kuphela izinhlobo ezithile zemoto.

Noma kunjalo, kunezinkampani ezisaya ukuhlangabeza iklayenti futhi hlela ukuqashiswa kwezimoto ezisetshenzisiwe... Kulokhu, umqashisi uvame ukuthenga imoto ayibhalise njengempahla, bese eyidlulisela kwiklayenti ukuze isetshenziswe. Ekupheleni kwenkontileka, imoto kufanele ithengwe futhi.

P.S. Ungathenga nemoto esetshenzisiwe ngesikweletu.

Umbuzo 3. Yiziphi izici zamaloli (amaloli) nezinto zokusebenza ezikhethekile?

Ukuqashwa kwamaloli nemishini yokwakha - izici nokucacisiwe

Iloli (kufaka phakathi okokusebenza okukhethekile) liyabiza impela, ngakho-ke kungaba yinkinga enkulu ukulithenga lenhlangano esemthethweni. ngakho-ke ukuqashiswa kwezimoto ezithwala impahla kuyithuba elihle kakhulu lokusebenzisa imishini ebizayo ngaphandle kokuthola izindleko ezinkulu zesikhathi esisodwa.

Iningi abancane abancane banikeza ithuba lokusebenzisa izinhlelo zokuthengwa kwamaloli nemishini ekhethekile. Ngasikhathi sinye, izicelo zibhekwa masinya ngokwanele, kudingeka imibhalo embalwa, futhi ukukhuphuka kwentengo ngeke kube kukhulu kakhulu.

Izinhlelo zokuqashisa ukuthengwa kwezimoto ezithwala impahla zikuvumela ukuba uthole onazo izinhlobo ezahlukene zemishini:

• yokulahla amaloli;
• amaloli anamandla ahlukahlukene okuthwala;
• ogandaganda;
• ama-trailer kanye nama-semi-trailer.

Ngaphezu kwalokho, abakhiqizi bemishini emikhulu baphinde banikele ngezinhlelo zokuqasha ezinenzuzo. Lokhu bakwenza ngezinkampani ezingaphansi.

Ngenxa yokuqashiswa kwezezimali kwezokuthuthwa kwempahla, izinhlangano ezisemthethweni zinethuba lokusebenzisa ezokuthutha imithwalo futhi ngokuzayo zikuthengele impahla, noma zingenazo izimoto zazo. Amaloli athengwe ngaphansi kwezimo zokuqashisa kumele abhaliswe emaphoyiseni omgwaqo.

Kubhaliswe njengomnikazi omncane, nguyena ohlela ukubhaliswa, kanye nokudlula kokuhlolwa kobuchwepheshe. Ngaphezu kwalokho, yinkampani eqashisayo ekhokha intela yezokuthutha, futhi iphoqelekile ukuletha isimemezelo esifanele.

Imvamisa, abancane banikela ngazo zonke izinhlobo zezaphulelo nezinzuzo uma bethenga amaloli athathiwe. Kulokhu, iklayenti lingakhetha imoto kuzimpahla ezithathiwe ezitholakalayo.

Umbuzo 4. Yini engenziwa yinkampani yokuqashisa uma ukukhokha kubambezeleka ngaphansi kwesivumelwano sokuqashisa?

Ukuqashisa kuhluke kakhulu kwisikweletu. Endabeni yesibili (ngemalimboleko yemoto) ngokushesha ngemuva kokukhokha imali ekhishwe kusengaphambili, ubunikazi bemoto budlulela ekhasimende. Ngokuphambene nalokhu lapho uqasha Imoto ingeyenkampani yokuqashisa kuze kuphele inkontileka.

Umqashi unethuba, uma iklayenti lephula izibopho zenkontileka, zokubuyisela imoto kuye. Kulokhu, asikho isidingo sokubandakanya inkantolo, impahla ingathathwa ngokushesha okukhulu.

Ngakho-ke, ukubambezeleka kokukhokha lapho kubhaliswa izimoto zokuqashiswa akukufanele. Lokhu kugcwele imiphumela emibi.

Uma, noma kunjalo, kuvela izinkinga, kungcono ukwazisa inkampani eqashisayo ngokushesha. Kulokhu, kuzokwenzeka ukufinyelela esivumelwaneni futhi ugweme ukubanjwa kwemoto.

Siyethemba ukuthi ngemuva kokufunda le ndatshana, usuqale ukuqonda kangcono ukuthi kuyini ukuqashiswa kwezimoto. Siphinde sazama ukuchaza ngamagama alula futhi aqondakalayo ukuthi ukuqashiswa kwezimoto kuhluke kanjani kwimalimboleko yemoto, ezimweni lapho kufanelekile ukusebenzisa izinsizakalo zezinkampani eziqashisayo, nalapho kungcono ukuthatha imali mboleko yasebhange ukuthenga imoto. Ngaphezu kwalokho, sikhulume ngezigaba zokubhaliswa kokuqashiswa kwabantu ngabanye nezinhlangano ezisemthethweni (kunikezwe imiyalo yesinyathelo ngasinye).

Ungakhohlwa ukuthi ngaphambi kokuvumelana nemigomo yabancane, kufanele ufunde ngokucophelela konke okunikezwayo emakethe. Kudingekile hhayi kuphela ukukala konke ubuhle nobubi, kodwa futhi yenza izibalo ngezinhlelo ezahlukahlukene. Ngasikhathi sinye, akufanele unganaki futhi ukubolekwa kwezimoto.

Le ukuphela kwendlela yokukhetha inketho enenzuzo enkulu kakhulu.

Sikweluleka futhi ukuthi ubuke ividiyo emayelana nokuqashisa - kuyini nokuthi ungaqashisa kanjani imoto kubantu ngabanye nasezinhlanganweni zomthetho:

Nevidiyo esihlokweni esithi "Ukuqashiswa kwezimoto zamakhasimende azimele (abantu ngabanye"):

Kufanele kukhunjulwe ukuthi umthengi ojwayelekile(hhayi kuchwepheshe) kungaba nzima ukwenza ngokuzimela zonke izibalo ngenhloso yokuhlaziywa okuningiliziwe. Ngakho-ke, kuzoba wusizo ukuxhumana kumeluleki wezezimali... Isazi esizimele ngeke sikwazi nje kuphela ukwenza zonke izibalo, kodwa futhi nokwenza ukuhlaziywa okuqhathaniswayo.

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Ithimba lethu le-Ideas for Life linethemba lokuthi le ndatshana ibilusizo kuwe. Sifisela bonke abafundi bethu inhlalakahle yezezimali nenhlanhla kwezamabhizinisi. Sizobonga uma ulinganisa i-athikili yethu. Sizokujabulela nokuthola imibono nemibuzo yakho.

Bukela ividiyo: Izakhele ugazi enkundleni intsha yakwanongoma ngama filimu (Julayi 2024).