I-Autoleasing nokubhalisa okuzenzakalelayo: yini umehluko?

Ukuqashisa kuyindlela esunguliwe yokukhokhela imoto entsha noma esetshenzisiwe, enikeza izinkokhelo zanyanga zonke ezincintisanayo kanye nohlu olubanzi lwamamodeli. Ukuqasha imoto akuyona ukuphela kwendlela uma ufuna ukukhokha nyanga zonke ngemoto. Ngokuhambisana nezindlela ezivamile zokuxhasa ubunikazi bemoto ngezimali, njengokuthenga isitolimende (HP) noma ukuthenga inkontileka yomuntu siqu (PCP), isisombululo esisha esibizwa ngokuthi ukubhaliswa kwemoto siya ngokuya siduma.

Uma ubhalisela imoto, inkokhelo yakho yanyanga zonke ayihlanganisi nje kuphela izindleko zemoto, kodwa nezintela zakho, umshwalense, ukugcinwa nokufakwa kwemali ekhokhwayo. Lena inketho evumelana nezimo futhi elula engase ikufanela kangcono. Lapha, ukukusiza wenze isinqumo sakho, sizobheka ukuthi ukubhaliswa kwemoto ye-Cazoo kuqhathaniswa kanjani nedili elijwayelekile lokuqashisa imoto.

Ingabe ukuqashiswa kwemoto nokubhaliselwe okuzenzakalelayo kufana kanjani?

Ukuqashisa nokubhalisa kuyizindlela ezimbili zokuthola imoto entsha noma esetshenzisiwe ngokuyikhokhela nyanga zonke. Kuzo zombili izimo, ukhokha idiphozi yokuqala elandelwa uchungechunge lwezinkokhelo zokusebenzisa imoto. Nakuba unomthwalo wemfanelo wokunakekela imoto, awusoze waba umnikazi wayo futhi ngokuvamile awunayo inketho yokuyithenga ngemva kokuphelelwa yisikhathi kwenkontileka. 

Ngokubhaliselwe kwemoto noma ukuqasha, akumele ukhathazeke ngokuncipha noma ukudayiswa kabusha njengoba ungeyena umnikazi wemoto. Zombili izinketho ziza nezinkokhelo zanyanga zonke ukukusiza ukuthi uhlele kangcono indlela osebenzisa ngayo imali, futhi uhlobo oluhlanganisa konke lokubhaliselwe lukwenza kube lula ngokukhethekile.

Ingakanani idiphozi okufanele ngiyikhokhe futhi ngizoyibuyisa?

Lapho uqasha imoto, ngokuvamile kufanele ukhokhe kusengaphambili. Izinkampani eziningi eziqashisayo noma ama-broker akuvumela ukuthi ukhethe ukuthi ukhokha malini idiphozi - ngokuvamile ilingana nezinkokhelo zanyanga zonke ezi-1, 3, 6, 9 noma eziyi-12, ngakho-ke ingaba amaphawundi ayizinkulungwane ezimbalwa. Uma idiphozithi yakho iba nkulu, izinkokhelo zakho zanyanga zonke zizoncipha, kodwa isamba serenti (idiphozithi yakho kanye nazo zonke izinkokhelo zakho zanyanga zonke) iyohlala injalo. 

Uma uqasha imoto, ngeke uthole idiphozithi lapho ubuyisela imoto ekupheleni kwenkontileka. Lokhu kungenxa yokuthi, nakuba ngokuvamile ibizwa ngokuthi "idiphozi", le nkokhelo yaziwa nangokuthi "isivumelwano sokuqashisa" noma "inkokhelo yokuqala". Empeleni kungcono ukukucabanga njengocezu lwemali oyikhokha kusengaphambili ukuze unciphise izinkokhelo zakho zanyanga zonke, ezifana nezivumelwano zokuthenga ezifana ne-HP noma i-PCP. 

Ngokubhaliselwe kwe-Cazoo, idiphozithi yakho ilingana nenkokhelo yanyanga zonke, ngakho ungakhokha imali encane kakhulu ngaphambili. Umehluko omkhulu uma kuqhathaniswa nokuqashisa ukuthi iyidiphozi evamile ebuyiselwa emuva - ekupheleni kokubhalisa uthola imali egcwele, ngokuvamile phakathi nezinsuku zokusebenza eziyi-10, inqobo nje uma imoto isesimweni esihle sobuchwepheshe nesimonyo futhi ungeqile. umkhawulo run. Uma kukhona ezinye izindleko ezengeziwe, zizodonswa kwidiphozithi yakho.

Ingabe ukunakekelwa kufakiwe enanini?

Izinkampani eziqashisayo, njengomthetho, azibandakanyi izindleko zokulondoloza nokugcina imoto ekukhokhweni kwanyanga zonke - kufanele ukhokhele lokhu ngokwakho. Abanye banikeza amadili okuqashisa abandakanya isevisi, kodwa lawo azoba nezilinganiso eziphakeme zanyanga zonke futhi ngokuvamile uzodinga ukuthintana nomnikazi wendawo ukuze uthole intengo.   

Uma ubhalisela i-Cazoo, isevisi ifakiwe entengweni njengokujwayelekile. Sizokwazisa uma imoto yakho isizosebenza futhi sihlele ukuthi umsebenzi wenziwe kwesinye sezikhungo zethu zesevisi noma esikhungweni sesevisi esigunyaziwe. Okufanele ukwenze ukushayela imoto emuva naphambili.

Ingabe intela yomgwaqo ifakiwe enanini?

Amaphakheji amaningi okuqashisa izimoto nakho konke okubhaliselwe kwezimoto kufaka phakathi izindleko zentela yomgwaqo ezinkokhelweni zakho zanyanga zonke inqobo nje uma unemoto. Esimeni ngasinye, wonke amadokhumenti afanelekile (ngisho noma aku-inthanethi) ayaqedwa, ngakho akudingekile ukuba ukhathazeke ngokuvuselelwa noma ukuphatha.

Ingabe ukufakwa kwezimo eziphuthumayo kufakiwe enanini?

Izinkampani eziqashisayo ngokuvamile azibandakanyi izindleko zekhava yesimo esiphuthumayo ezinkokhelweni zakho zenyanga zemoto, ngakho kufanele uzihlelele futhi uzikhokhele wena. Ukufakwa kwezimo eziphuthumayo okugcwele kufakiwe enanini lokubhalisa. I-Cazoo inikeza ukutakula nokululama okungu-XNUMX/XNUMX nge-RAC.

Ingabe umshwalense ufakiwe enanini?

Mancane amathuba okuthi uthole isivumelwano sokuqashisa nomshwalense esifakwe enkokhelweni yanyanga zonke. Ukubhalisa kwe-Cazoo kufaka umshwalense ogcwele wemoto yakho uma ufaneleka. Ungakwazi ngisho nokwengeza ikhava yabashayeli abengeziwe abafika kwababili mahhala uma ngabe uzakwenu noma ilungu lomndeni nalo lizoshayela.

Iyini ubude besikhathi sokuqashisa imoto noma isivumelwano sokubhaliswa kwemoto?

Izivumelwano eziningi zokuqashisa ezeminyaka emibili, emithathu noma emine, nakuba ezinye izinkampani zingangena esivumelwaneni unyaka owodwa neminyaka emihlanu. Ubude benkontileka yakho buthinta izindleko zakho zanyanga zonke futhi ngokuvamile ukhokha kancane kancane ngenyanga ngenkontileka ende.  

Okufanayo kuyasebenza ekubhaliseni kwemoto, nakuba ungakhetha ukuthola inkontileka emfushane, kanye nekhono lokuvuselela kalula inkontileka yakho uma ufuna ukugcina imoto isikhathi eside kunalokho obukulindele. 

I-Cazoo inikeza ukubhaliswa kwemoto izinyanga ezingu-6, 12, 24 noma 36. Inkontileka yezinyanga eziyisi-6 noma eziyi-12 ingaba yinhle uma wazi ukuthi uzodinga imoto isikhathi esifushane noma uma ufuna ukuzama imoto ngaphambi kokuthi uyithenge. Lena indlela enhle yokubona ukuthi ukushintshela emotweni kagesi kukulungele yini, isibonelo, ngaphambi kokuthi uyithathe.

Uma ukubhalisa kwakho kwe-Cazoo kuphelelwa yisikhathi, uzokwazi ukusibuyisela imoto noma uvuselele inkontileka yakho nyanga zonke, okukuvumela ukuthi ukhansele ukubhalisa kwakho nganoma yisiphi isikhathi.

Mangaki amamayela engingashayela?

Kungakhathaliseki ukuthi uqasha noma ubhalisela imoto, kuzoba nomkhawulo okuvunyelwene ngawo wokuthi mangaki amamayela ongawashayela unyaka ngamunye. Amadili okuqasha abukeka eshibhe ngendlela ekhangayo angeza nemikhawulo yemayela elingaphansi kakhulu kwe-avareji yekhilomitha yaminyaka yonke yase-UK cishe ngamamayela ayi-12,000. Abanye bangakunikeza umkhawulo wonyaka wamamayela angama-5,000, yize uvame ukuba nokukhetha ukukhulisa umkhawulo wakho wemayela ngokukhokha imali ephakeme yanyanga zonke. 

Konke okubhaliselwe kwezimoto ze-Cazoo kufaka umkhawulo wemayela elingu-1,000 wamamayela ngenyanga noma amamayela angu-12,000 ngonyaka. Uma lokho kungenele kuwe, ungakhuphula umkhawulo uye kumamayela ayi-1,500 ngenyanga ukuze uthole u-£100 owengeziwe ngenyanga, noma ufike kumamayela angu-2,000 ukuze uthole u-£200 owengeziwe ngenyanga.

Kusho ukuthini "ukuguga nokuklebhuka"?

Izinkampani eziqashisa ngezimoto nezibhalisile zilindele ukubona ukuguga kwemoto uma isibuyiselwa kuzo ekupheleni kwenkontileka. 

Inani elivumelekile lomonakalo noma ukuwohloka kubizwa ngokuthi "i-fair wear and tear". I-British Car Rental and Leasing Association ibeke imithetho ethile yalokhu futhi lena isetshenziswa izinkampani eziningi eziqashisa ngezimoto nezibhalisele izimoto, okuhlanganisa ne-Cazoo. Ngaphezu kwesimo semoto yangaphakathi nangaphandle, imithetho iphinde ihlanganise nesimo sayo semishini nezilawuli.  

Ekupheleni kokuqashiswa noma okubhaliselwe, imoto yakho ihlolwa kusetshenziswa le mihlahlandlela ukuze kuqinisekiswe ukuthi isesimweni esihle kakhulu sokusebenza nesezinhle ngokweminyaka yayo noma imayela. Uma uyinakekela kahle imoto yakho, ngeke kudingeke ukhokhe ezinye izimali ezengeziwe lapho ubuyisela imoto.

Ngingakwazi ukubuyisela imoto?

Okubhaliselwe kwemoto ye-Cazoo kufaka phakathi isiqinisekiso sethu sokubuyiselwa imali sezinsuku ezingu-7, ngakho uneviki kusukela ekulethweni kwemoto ukuze uchithe isikhathi nayo futhi unqume ukuthi uyayithanda yini. Uma ushintsha umqondo wakho, ungawubuyisela ukuze uthole imbuyiselo ephelele. Uma imoto ilethwa kuwe, uzobuyiselwa imali yezindleko zokuyithumela. Uma ukhansela ukubhalisa kwakho ngemva kwezinsuku eziyisikhombisa kodwa ngaphambi kokuthi kudlule izinsuku ezingu-14, sizokhokhiswa imali engu-£250 yokulandwa kwemoto.

Ngemuva kwezinsuku eziyi-14 zokuqala, unelungelo lokubuyisela imoto eqashiwe noma ebhaliselwe futhi unqamule inkontileka noma kunini, kodwa kuzosebenza imali. Ngokomthetho, ukuqashisa nokubhaliselwe kunesikhathi esiyizinsuku eziyi-14 esiqala ngemva kokuqinisekiswa kwenkontileka yakho, okukunikeza isikhathi sokunquma ukuthi imoto oyikhethile ikulungele yini. 

Uma uqasha imoto, izinkampani eziningi zikukhokhisa okungenani u-50% wezinkokhelo ezisele ngaphansi kwenkontileka. Abanye bakhokhisa kancane, kodwa lokho kusengangeza kufika enanini elikhulu lemali, ikakhulukazi uma ufuna ukukhansela phakathi nonyaka wokuqala noma emibili. Uma ufisa ukukhansela ukubhalisa kwakho kwe-Cazoo nganoma yisiphi isikhathi ngemva kwesikhathi sokupholisa sezinsuku eziyi-14, kuzosebenza imali enqunyiwe yokuqeda ngaphambi kwesikhathi engu-£500.

Ingabe izinkokhelo zami zenyanga zinganyuka ngisenemoto?

Kungakhathaliseki ukuthi uyaqasha noma uyabhalisa, inkokhelo yanyanga zonke ecaciswe kunkontileka oyisayinile izoba inani olikhokhayo nyanga zonke kuze kube sekupheleni kwenkontileka.

Manje ungathola imoto entsha noma esetshenzisiwe ngokubhaliselwe kwe-Cazoo. Vele usebenzise umsebenzi wokusesha ukuze uthole okuthandayo bese ubhalisa kukho ngokuphelele ku-inthanethi. Ungakwazi uku-oda ukulethwa kwasekhaya noma ukulanda esikhungweni sesevisi yamakhasimende se-Cazoo esiseduze nawe.