Imoto kagesi ye-LOA: okudingeka ukwazi ngaphambi kokuthenga imoto kagesi

Izimoto zikagesi zisabiza ukuzithenga, yingakho abantu abaningi baseFrance besebenzisa ezinye izimoto ezixhasa ngezimali njenge-LLD noma i-LOA.

Inketho yokuqashisa ngogesi (i-LOA) iyisipho sezimali esivumela abashayeli ukuthi baqashe imoto yabo kagesi benenketho yokuthenga noma ukubuyisela imoto ekupheleni kwenkontileka.

Ngakho-ke, abathengi kudingeka ukuthi benze izinkokhelo zanyanga zonke phakathi nesikhathi esishiwo ekuqashisweni, esingasukela eminyakeni emi-2 kuye kwemi-5.

 Kufanele futhi wazi ukuthi i-LOA ithathwa njengemalimboleko yomthengi enikezwa izinhlangano ezigunyaziwe. Ngakho-ke, unelungelo lokuphuma lezinsuku eziyi-14.

U-75% wezimoto ezintsha ezithengwe e-LOA

I-LOA iheha abantu abaningi baseFrance

Ngo-2019, izimoto ezintsha ezi-3 kwezi-4 zaxhaswa ngokombiko wonyaka womsebenziI-French Association of Financial Companies... Uma kuqhathaniswa nowezi-2013, isabelo se-LOA ekuxhaseni ngezimali izimoto ezintsha sikhuphuke ngo-13,2%. Emakethe yezimoto ezisetshenzisiwe, i-LOA ixhase uhhafu wezimoto. 

Ukuqashisa ngenketho yokuthenga kuyisipho sezimali esithandwa amaFulentshi ngoba kuyindlela ephephile yokuba nemoto yakho futhi ngenxa yalokho ube nesabelomali esizinzile.

Abashayeli bezimoto bayayithokozela inkululeko nokuvumelana nezimo okuhlinzekwa yi-LOA: iwuhlobo lwemalimboleko oluvumelana nezimo lapho amaFulentshi ekwazi ukusizakala ngemoto entsha namamodeli akamuva kuyilapho esenesabelomali esilawulwayo. Ngempela, ungayithenga kabusha imoto yakho ekupheleni kokuqashisa noma ukuyibuyisela futhi ngaleyo ndlela ushintshe imoto yakho njalo ngaphandle kokuzizwa uhileleke ngokwezimali.

Lo mkhuba uyathandeka nakubathengi bezimoto zikagesi, abangasabalalisa izindleko zemoto kuzo zonke izitolimende ezimbalwa zenyanga futhi ngenxa yalokho baphathe isabelomali sabo ngokuhlakanipha.

Umtitilizo onezinzuzo eziningi:

I-LOA inezinzuzo eziningi zokuxhasa ngezimali izimoto ezisebenza ngogesi:

1. Ukulawulwa okungcono kwesabelomali sakho : Izindleko zemoto kagesi zibaluleke kakhulu kunomlingani wayo oshisayo, ngakho-ke i-LOA ikuvumela ukuthi ulawule inani lemali oyitshalile. Ngale ndlela, ungakwazi ukushayela imoto kagesi entsha ngaphandle kokukhokha inani eliphelele ngokushesha. Udinga kuphela ukukhokha irenti yokuqala ngokushesha, kodwa isukela ku-5 kuya ku-15% yenani lokudayiswa kwemoto.

2. Izindleko zokunakekela eziphansi kakhulu : Kwinkontileka ye-LOA, unesibopho sokuyilungisa, kodwa ihlala iphansi. Njengoba imoto kagesi inezingxenye ezingaphansi kuka-75% kunemoto kaphethiloli, izindleko zokuyilungisa zehla ngo-25%. Ngale ndlela, ngaphezu kwerenti yakho yanyanga zonke, ngeke ube nezindleko ezengeziwe.

3. Idili elihle noma kunjalo : I-LOA inikeza inkululeko ethile emandleni okuthenga noma ukubuyisela imoto ekupheleni kokuqashisa. Ungakwazi ukuphinde uthenge imoto yakho kagesi nethuba lokuthola okuningi ngokuyithengisa kabusha emakethe yesibili. Uma intengo yokudayiswa kabusha yemoto yakho ingalungile kuwe, ungayibuyisela futhi. Bese ungangena kwesinye isivumelwano sokuqashisa futhi ujabulele imodeli entsha, yakamuva.

Imoto Ekagesi e-LOA: Thenga Futhi Imoto Yakho

Ngiyithenga kanjani kabusha imoto yami kagesi e-LOA?

 Ekupheleni kwesikhathi sokuqasha, ungavula inketho yokuthenga ukuze uthathe ubunikazi bemoto. Uma ufisa ukuthenga kabusha imoto yakho esebenza ngogesi ngaphambi kokuphelelwa yisikhathi kwenkontileka, kuzodingeka ukhokhe izinkokhelo zanyanga zonke ezisele ngaphezu kwenani lokuthengisa kabusha imoto. Izinhlawulo zingangezwa enanini elikhokhiwe, ikakhulukazi uma weqe inani lamakhilomitha elikhonjiswe esivumelwaneni sakho sokuqasha.

 Inkokhelo kufanele yenziwe kumninindlu futhi isivumelwano sakho sokuqashisa sizonqanyulwa. Umnikazi wendawo uzophinde akunikeze isitifiketi sokunikezela esikuvumela ukuthi uthathe izinyathelo ezidingekayo ukuze uthole imoto, ikakhulukazi mayelana nedokhumenti yokubhalisa.

 Ngaphambi kokuthatha isinqumo sokuthenga imoto kagesi, udinga ukunquma ukuthi lena inketho enenzuzo kakhulu yini kuwe.

Yini okufanele uyihlole ngaphambi kokuthenga?

Into yokuqala okufanele uyinqume ngaphambi kokuthenga imoto inani layo eliyinsalela, okungukuthi, inani lokudayiswa kabusha. Lesi isilinganiso esenziwe umnikazi wendawo noma umdayisi, ngokuvamile esisekelwe ekutheni imodeli ibibambe kangakanani inani layo esikhathini esidlule kanye nesidingo esicatshangwayo semodeli esetshenziswayo.

Ngemoto kagesi, inani lensalela linzima kakhulu ukulilinganisa: izimoto zikagesi ezakamuva kanye nemakethe yezimoto ezisetshenzisiwe nakakhulu, ngakho umlando mfushane kakhulu. Ngaphezu kwalokho, ukuzimela kwamamodeli okuqala kagesi kwakuphansi kakhulu, okungavumeli ukuqhathanisa okungokoqobo. 

Ukunquma ukuthi ukuthenga kuyinketho engcono kakhulu kuwe, sikweluleka ukuthi ulingise ukuthengisa kabusha ngokuthumela isikhangiso kusayithi lesibili njenge-Leboncoin. Ungabese uqhathanisa inani lentengo yokuthengisa kabusha yemoto yakho nenketho yokuthenga ehlinzekwa umqashisi wakho.

• Uma intengo yokuthengisa kabusha iba phezulu kunentengo yenketho yokuthenga, uzothola izinzuzo ezengeziwe ngokuthenga imoto yakho futhi ukuze uyidayise emakethe yesibili futhi ngaleyo ndlela uthole imajini.
• Uma intengo yokuthengisa kabusha iphansi kunentengo yenketho yokuthenga, kunengqondo ukubuyisela imoto kumqashisi.

Ngaphandle kokuhlola ivelu eyinsalela yemoto yakho ngaphambi kokuthenga, kubalulekile futhi ukuhlola isimo sebhethri.

Ngempela, lokhu kungenye yezinto ezikhathaza kakhulu abashayeli bezimoto lapho bethenga imoto kagesi esetshenzisiwe. Uma ufisa ukuthenga kabusha imoto yakho ngemva kokuphelelwa yisikhathi kwe-LOA ukuze uyidayise kabusha ngezikhathi ezithile, kufanele uqinisekise isimo sebhethri kulabo abangase babe abathengi.

Sebenzisa inkampani yangaphandle ethembekile efana ne-La Batterie ukuze ikunikeze isitifiketi sebhethri... Ungakwazi ukuxilonga ibhethri lakho emizuzwini emi-5 nje ukusuka ekunethezekeni kwekhaya lakho.

Isitifiketi sizokunikeza ulwazi, ikakhulukazi, mayelana ne-SoH (isimo sezempilo) sebhethri lakho. Uma ibhethri yemoto yakho kagesi isesimweni esihle, kuzoba nenzuzo kuwe ukuthi uthenge imoto futhi uyidayise kabusha emakethe esetshenzisiwe ngoba uzoba nokuphikisana okwengeziwe. Ngakolunye uhlangothi, uma isimo sebhethri yakho singagculisi, akufanelekile ukuthenga imoto, kungcono ukuyibuyisela kumqashi.