Kuyini ukuqasha imoto ngamagama alula?
Ukuqashisa kungenye yezinhlobo zezinsizakalo zezezimali ezitholakala kukho kokubili izinhlangano ezisemthethweni kanye nabantu ngabanye. Ngosizo lwayo, bathenga izinto ezibizayo: imishini yezimoto noma ekhethekile, imishini yamabhizinisi, amakhompyutha, indawo yokuhlala.
Ngamagama alula, ukuqashisa isivumelwano sesikhathi eside esinelungelo lokuthenga.
Kuwebhusayithi yethu i-Vodi.su, sesivele sicabangele umehluko omkhulu phakathi kokuqashisa nesikweletu futhi safinyelela esiphethweni sokuthi ukuqashisa kunenzuzo enkulu, ikakhulukazi kumabhizinisi nezinhlangano ezisemthethweni. Uma sikhuluma ngezinzuzo zezakhamuzi ezivamile, isibonelo, lapho uthenga imoto ngale ndlela, khona-ke ikhona, nakuba incane.
EYurophu nase-US, cishe amaphesenti angu-30 azo zonke izimoto zithengwa ngokuqashisa, amaphesenti angu-30 kuya kwangu-60 ngesikweletu, namaphesenti angu-40 ngemali. E-Russia, izibalo zihluke ngokuphelele uma kuziwa ekuthengeni izimoto ngabanye:
- isabelo sokuqashisa singamaphesenti amathathu kuphela;
- 35-50% (kuye ngokuthi isifunda) - ngaphansi kwezinhlelo ezihlukahlukene zezikweletu;
- Amaphesenti angu-50 ngemali.
Uyini umehluko phakathi kokuqashisa nokuqasha kanye nemalimboleko?
Umehluko phakathi kokuqashisa nokuqashisa mncane, umehluko kuphela ukuthi isivumelwano sokuqashisa siphothulwa isikhathi esithile futhi ngemva kokuphelelwa yisikhathi, umqashi ubophekile ukubuyisela imoto kumnikazi iphephile futhi iphilile.
Isivumelwano sokuqashisa sibuye siphothulwe isikhathi esithile, kodwa ekupheleni kwalesi sikhathi indawo iba yindawo egcwele yomqashisi. Inqobo nje uma isivumelwano sokuqashisa sisebenza, umnikazi osemthethweni wemoto nguyena oqashisayo.
Ubuhle bokuqashisa ngesikweletu noma ukuthenga ukuthi ngokusayina isivumelwano semalimboleko noma ukukhokha yonke imali ngesikhathi esisodwa, uba umnikazi ogcwele wendawo futhi uphoqelekile ukuthi uyinakekele ngendlela yokusebenza ngokwakho, uyibhalise ngokuhambisana. ngayo yonke imithetho, thenga izinqubomgomo zomshuwalense we-OSAGO futhi, uma uthanda, we-CASCO.
Kodwa-ke, uma uthenga imoto ngokuqashisa, umqashi wenza konke lokhu. Umsebenzi wakho uwukwenza njalo izinkokhelo ezibalulwe kunkontileka. Uma umuntu ehluleka ukufeza izibopho zakhe, impahla yakhe iyathathwa futhi kufanele akhokhe izinkokhelo esezidlulelwe yisikhathi kanye nenzalo.
Ukuqashisa izinhlangano ezisemthethweni
Namuhla eRussia, ukuqashisa kuyadingeka kakhulu phakathi kwezinhlangano ezisemthethweni. Kunezinkampani eziningi eziqashisayo ezweni, zingabaxhumanisi phakathi komkhiqizi wemishini kanye nomthengi wokugcina. Isibonelo, uma inkampani encane yokwakha idinga ukugcwalisa imikhumbi yayo ngemishini - ama-cranes ombhoshongo, ama-roller enhlabathi noma enye into - khona-ke indlela engcono kakhulu ukwenza isivumelwano sokuqashisa.
Umlamuli uzoxhumana nomakhi wangaphandle noma wasekhaya, athenge okokusebenza okudingekayo futhi, ngaphansi kwemibandela yenkontileka, akubeke kulowo oqashiwe.
Lokhu kubeka phambili inani lezidingo:
- isikhathi sokusebenza kwebhizinisi emakethe asikabi ngaphansi kwezinyanga eziyisithupha;
- ibhalansi enhle yakamuva.
Okusho ukuthi, umqashi kufanele akwazi ukufakazela ukuthi inkampani yakhe izobhekana nezibopho zayo. Kukhona nezinhlelo ezahlukene, kodwa ezinye zazo ezidinga ukuthi ukhokhe imali yokuqala, uhlele isibambiso. Kodwa-ke, kukhona futhi izinhlelo lapho impahla idluliselwa ngaphansi kwezinkokhelo eziphansi kanye nesibambiso.
Izinzuzo zalolu hlobo lokuthola zimi kanje:
- ukwenziwa kahle kwezindleko zentela - izinto zokusebenza azikho ohlwini lwebhalansi yebhizinisi;
- ukwehla okusheshayo - sesivele sikhulume ngalokhu ku-Vodi.su;
- ukuqinisekisa ikhwalithi;
- umshwalense nokubhaliswa - konke lokhu kwenziwa ngumqashisi.
Ngokuvamile, isivumelwano sokuqashisa siphothulwa iminyaka engu-1-5, ngenkokhelo yokuqala engamaphesenti angu-15.
Futhi-ke, kukhona iphesenti lokuqashisa, libizwa ngephesenti lokwazisa ngonyaka futhi lingasukela kumaphesenti amahlanu kuya kwayi-15 ngonyaka. Nokho, kukhona okukhethekile lapha - iphesenti lokwazisa lincishisiwe ngenxa yokwabiwa kabusha okulungile kokukhokhwa kwenani lesakhiwo. Okungukuthi, ngonyaka wokuqala udinga ukukhokha, isibonelo, 15%, okwesibili - 10%, okwesithathu - 5%. Kunoma yikuphi, ochwepheshe bazobala konke ukuze izinhlangothi zombili zenkontileka zaneliseke.
Ukuqashisa abantu ngabanye
Izakhamizi ezivamile zaseRussia zisanda kuthola ithuba lokuthenga izimoto ngale ndlela.
Kunezinhlobo ezimbili eziyinhloko zokuqashisa kwabantu ngabanye. abantu:
- unelungelo lokuthenga;
- ngaphandle kokuhlengwa.
Inkontileka iphothulwa isikhathi esifinyelela eminyakeni emithathu, kuyilapho umthengi kufanele aqinisekise i-solvency yakhe - alethe isitifiketi semali engenayo, ukubuyisela intela noma ikhophi yencwadi yomsebenzi. Ukuze uqedele inkontileka, kufanele wenze inkokhelo yokuqala - kusuka kumaphesenti ayishumi. Ngaphezu kwalokho, umthengi angakhokha inani eliphelele lemoto ngesikhathi esifushane, kuyilapho kungekho zinhlawulo ezizolandela.
Uma umuntu engahleleli ukuthenga imoto ngenani elisele, khona-ke ukhokha inani elithile njalo ngenyanga, futhi ekupheleni kwenkontileka, angakwazi ukuqasha enye imoto.
Zonke izindleko ezihambisanayo - umshwalense nokubhaliswa - zikhokhwa ngumqashisi, kodwa zifakiwe ezitolimendeni zanyanga zonke. Izinhlawulo, izintela nokulungisa kukhokhwa ngumqashi. Kuyaqapheleka futhi ukuthi izindleko zemoto ziyancipha ngonyaka futhi ekupheleni kwenkontileka (emva kweminyaka emi-3) ngokuvamile azikho ngaphezu kuka-80% we-original.
Ngokuvamile, ukuqashisa kukhishwa izimoto, izindleko zazo ezidlula ama-ruble ayizigidi ezingu-1, kanye namaloli. Uma uthenga izimoto zebhajethi, ngeke uzwe umehluko omkhulu phakathi kokuqashisa nesikweletu.
Le vidiyo ihlinzeka ngolwazi olwengeziwe mayelana nokuqashisa kanye nohlaka lwakho lwezomthetho.
Iyalayisha...
