Kuyini ukwehla kwentengo yemoto?

Ukwehla kwenani yigama okungenzeka ukuthi ulizwile ngokuphathelene nezimoto ezintsha nezike zasetshenziswa, kodwa kubaluleke kangakanani? Ngamafuphi, ukwehla kwenani ukulahlekelwa kwenani lemoto ngokuhamba kwesikhathi, futhi kungaba nomthelela omkhulu emalini yakho noma ngabe uyathenga, uyathengisa, noma uqasha imoto entsha noma esetshenzisiwe. Nansi inkomba yethu yokwehla kwenani lezimoto.

Kusho ukuthini ukwehla kwenani?

Ukwehla kwenani ukulahlekelwa inani ngokuhamba kwesikhathi. Lokhu kwenzeka ngezinto eziningi ozithengayo - izingubo zokugqoka, izinto zikagesi, ifenisha, neminye imikhiqizo eminingi yabathengi. Ukwehla kwenani kuyinqubo eqhubekayo, kodwa ngokuvamile ukuqaphela kuphela lapho uhlela ukuthengisa okuthile okungokwakho komunye umuntu. 

Ngisho nangemva kwesikhathi esifushane kakhulu, inani lento ngokuvamile lizokwehla linani olikhokhile ngenkathi iyintsha. Lokhu kuwa ukwehla kwenani lento. Ezimweni eziningi, inqubo yokwehla kwenani iqhubeka ngokuhamba kwesikhathi kuze kube yilapho into iba nenani elincane noma ingabi bikho nhlobo. Ukuthi le nqubo yenzeka ngokushesha kangakanani ibizwa ngokuthi izinga lokwehla kwenani.

Yini ebangela ukwehla kwenani?

Kunezici eziningi ezibangela ukwehla kwenani lento. Ama-elekthronikhi ayancipha njengoba ubuchwepheshe buthuthuka. Izingubo ziyancipha njengoba imfashini ishintsha. Lezi zici, kanye nezinye eziningi, nazo zenza inani lemoto yakho lehle.

Ukuduma kwemoto, ukuthembeka kwayo, ukusebenza kahle, kanye nezindleko zokuyilungisa konke kuthinta izinga lokwehla kwayo. Izimoto ezahlukene ziyancipha ngamanani ahlukene kuye ngokuthi zithinteka kangakanani ngenxa yalezi zici.

Ezinye izinto zingaphezu kwamandla akho, kodwa zikhona ezinye ongazithonya wena njengomnikazi wemoto. Ukusebenzisa nje imoto kuholela ekwehleni. Uma ushayela amamayela amaningi, imoto yakho izobaluleka kancane njengoba izingxenye zayo ziguga ngokuhamba kwesikhathi.

Esinye isici esingathinta kakhulu ukubaluleka kwemoto, ikakhulukazi entsha, izintela. Zonke izimoto ezintsha zingaphansi kwe-VAT ngenani elingamaphesenti angama-20, okwengeza izinkulungwane zamaphawundi entengo. Futhi kungase kube nezinye izinkokhelo umkhiqizi wezimoto nomthengisi abengeza phezulu. Ezimweni eziningi, inani le-VAT kanye nanoma yiziphi izindleko ezengeziwe ozikhokhile zisuswa ngokushesha enanini lemoto entsha ngokushesha nje lapho usuyithathele ubunikazi bayo.

Ngenhlanhla, uma kuziwa ezimotweni eziningi ezisetshenzisiwe, ayikho i-VAT, nakuba abathengisi bengeza izindleko zabo ngentengo ebuzwayo. Ngenhlanhla, lokhu ngokuvamile kuyinani elincane kakhulu.

Ukwehla kwenani kubalwa kanjani?

Izinga lokwehla kwemoto entsha livame ukucashunwa njengephesenti elibonisa ukuthi lingakanani inani elizolahleka phakathi neminyaka emithathu yokuqala yokuphila kwayo. Ungasebenzisa leli phesenti ukuthola ukuthi imoto izoba yimalini uma isineminyaka emithathu ubudala. Nasi isibonelo:

Imoto entsha ebiza u-£20,000 esimweni esisha futhi yehla ngo-50% izobiza u-£10,000 eminyakeni emithathu.

Amazinga okwehla kwesinye isikhathi acashunwa ngokwemibandela "yenani elisele". Kulesi sibonelo esingenhla, imoto inenani elisele lika-50%. Lokhu kusho ukuthi ngemva kweminyaka emithathu yokuqala kuwufanele u-50% walokho obukudinga esimweni esisha.

Izinga lokwehla kwenani lemoto liyehla ngokuhamba kwesikhathi njengoba inani layo lehla. Izimoto zehla kakhulu onyakeni wokuqala, ngenxa yengxenye enkulu yezintela nezimali ezishiwo. Ngemuva kweminyaka eyi-10, izinga lokwehla lingase lehle libe ngu-1-2% ngonyaka.

Amazinga okwehla alinganiselwa ngisho nangaphambi kokuba imoto iqale ukudayiswa. Ongoti bemboni yezimoto bahlaziya ukuthi imoto izothinteka kanjani ngenxa yalezi zinto esizishilo ekuqaleni bese bebala izinga lokwehla kwenani ngendlela efanele. Abakutholi kahle ngaso sonke isikhathi, kodwa izinombolo abazitholayo zibaluleke kakhulu. 

Kungani ukwehla kwenani kubalulekile?

Ukutadisha izinga lokwehla kwentengo kuyasiza uma uthenga imoto eke yasetshenziswa ngoba ungathola idili langempela. Kuyamangaza ukuthi ezinye izimoto zilahlekelwa inani elingakanani eminyakeni yokuqala yokuphila kwazo, okungazenza zibe yinani elihle uma uthenga izimoto ezisetshenzisiwe.

Ngakolunye uhlangothi, awufuni ukuba umnikazi wokuqala wemoto ezolahlekelwa amashumi ezinkulungwane zamaphawundi ngenani ngesikhathi ufika ukuzoyidayisa. Ukufunda ngezilinganiso zokwehla kwenani kungakusiza ugweme lesi sigibe.

Amazinga okwehla aphinde anqume izindleko zokuthola imoto ngokuqashisa noma ngaphansi kwesivumelwano sokuthenga inkontileka yomuntu siqu (PCP). Izilinganiso zokuqashisa izimoto nezindleko ze-PCP zisekelwe enanini elibikezelwe lemoto lapho iphelelwa yisikhathi. Ngokuyisisekelo, umbolekisi wakho ukutshela inani eliqinisekisiwe lekusasa lemoto yakho, futhi izinkokhelo zakho zanyanga zonke zihlanganisa izindleko zokwehla inqobo nje uma umnikazi wayo.

Funda kabanzi mayelana nokuxhaswa ngezimali kwezimoto ze-PCP lapha.

Yiziphi izimoto ezingabizi kakhulu?

Awukho umthetho oqinile futhi osheshayo mayelana nokuthi hlobo luni lwemoto elahlekelwa inani elincane. Nokho, ngokuvamile, izimoto ezithandwayo zivame ukulahlekelwa inani elincane uma kuqhathaniswa. Lesi yisimo esilula sokuhlinzeka nokufunwa. AmaSUV amakhulu njengeBMW X5 asemfashinini futhi amaningi awo anezinga eliphansi lokuwohloka. Njengezimoto eziningi zikagesi.

Kuyaphawuleka ukuthi zimbalwa kakhulu izimoto ezilahlekelwa ngaphansi kuka-50% yenani lazo phakathi neminyaka emithathu yokuqala. Futhi noma yini efika ku-60% ingathathwa njengemali engenayo enhle kakhulu.

Kukhona okuhlukile emithethweni. Ezinye izimoto empeleni ziyanda ngokuhamba kwesikhathi, okusho ukuthi zibiza kakhulu uma uzidayisa kunalapho uzithenga. Kunjalo ngezimoto eziningi zakudala, ezinye izimoto zezemidlalo eziyivelakancane, ngisho nezimoto zikagesi ezicishe zibe zintsha.

BMW X5

Yiziphi izimoto ezincipha kakhulu?

Awukho umthetho oqinile futhi osheshayo wokuthi yiziphi izimoto ezehla kakhulu. Futhi, ukuthandwa kwemoto kuwukubikezela okuhle. Isibonelo, ama-sedans amakhulu namaveni amancane awasathandwa eminyakeni yamuva futhi angase abe namazinga aphezulu okwehla kwenani. Ngokufanayo, amanye amamodeli adumile anamazinga aphezulu okwehla kwenani ngoba maningi asetshenziswa emakethe. Izimoto eziningi zikanokusho zinezinga eliphezulu lokuwohloka kwenani ngoba zingabiza ukuzinakekela njengoba zikhula.

Indlela yokunciphisa ukwehla?

Indawo engcono kakhulu ongaqala ngayo ukuthenga imoto enezinga eliphansi lokwehla kwenani. Ezinye izinto ongazenza zihlanganisa ukugcina imayela lakho lincane kanye nokugcina imoto yakho isesimweni esihle. Izimoto ezinakekelwe kahle zigcina inani lazo isikhathi eside.

Kodwa-ke, akufanele uvumele ukukhathazeka ngenani lesikhathi esizayo kukunqumele imoto oyithengayo nokuthi uyisebenzisa kanjani. Kufanele uhlale uthenge imoto oyithandayo futhi uyisebenzise ngendlela ofisa ngayo.

Ingabe ufuna ukuthengisa imoto yakho futhi awazi ukuthi kubiza malini? Sebenzisa isibali sethu samahhala sokulinganisa izimoto ukuze uthole isaphulelo esisheshayo.

Kunezimoto eziningi ezisetshenziswa ezisezingeni eliphezulu ezidayiswa eCazoo. Sebenzisa isici sethu sokusesha ukuze uthole okuthandayo, ukuthenge ku-inthanethi bese ukuletha emnyango wakho, noma ukhethe ukukulanda esikhungweni sakho esiseduze samakhasimende e-Cazoo.

Sihlala sibuyekeza futhi sandisa ububanzi bethu. Uma ungayitholi namuhla, hlola futhi ngemva kwesikhathi ukuze ubone ukuthi yini etholakalayo. Noma misa isexwayiso sesitoko ukuze ube ngowokuqala ukwazi uma sinezimoto ezifana nezidingo zakho.