Ukuxhasa imoto yakho yokuqala
Ucabanga ukuthi uzoyikhokhela kanjani imoto yakho yokuqala?
Kufanele ngisebenzise malini?
Ngaphambi kokunquma ukuthi yimalini ozoyisebenzisa emotweni yakho yokuqala, nquma ukuthi yini ongakwazi ukuyikhokhela. Ukuphendula le mibuzo kuyisiqalo esihle.
• Yiziphi izindleko zokusebenza okuyodingeka uzibekele isabelomali? Imoto ephakathi nendawo izobiza cishe u-$200 ngeviki* uphethiloli, ukulungisa nokunakekela.
• Ingakanani igebe phakathi kokulondoloza kwakho nezindleko zokushayela imoto? Uma ungaqiniseki, bona Izindleko kubhajethi yakho uma uthenga imoto.
• Uma uthatha igebe, kungaba yini inzuzo yezimali? Sebenzisa isibali sethu sokukhokha imali mboleko yemoto ukuze uthole.
Bese udala ibhajethi ukuze ubone ukuthi lezi zindleko ziqhathaniswa kanjani nezinye izindleko zakho.
Uma unemoto yamaphupho akho engqondweni futhi wazi ukuthi yimalini ofuna ukuyisebenzisa, izimpendulo zale mibuzo zisengakunikeza umbono ongcono wokuthi hlobo luni lokuzibophezela kwezezimali owenzayo.
ICEBISO: Ngeke uyibuyise imali oyitshale ekuthengeni imoto. Cabanga ngezinye izinto eziza kuqala kuwe futhi ucabangele ukuthi ingakanani imali yakho ofuna ukuyitshala empahleni eyehlayo esikhundleni sokukhuphuka.
Kufanele ngihlele nini ukuxhasa ngezimali okuzenzakalelayo?
Uma usukulungele ukuthenga imoto futhi uhlela uxhaso lwezimoto okokuqala ngqa, cabanga ngokuthola imvume enemibandela ngaphambi kokukhahlela amathayi akho. Ngale ndlela, uzokwazi kusengaphambili uma kuzoba nezinkinga ngezimali zakho, futhi ngeke uwele ogibeni ngemva kokwenza idiphozi.
Ukugunyazwa okunemibandela ngokuvamile kuthatha izinsuku ezingu-30, ngakho-ke uba nesikhathi sokubheka imoto efanele.
Uma ungakakulungeli ukufaka isicelo soxhaso kodwa ufuna imoto, qiniseka ukuthi:
• Yazi amanani enzalo ajwayelekile emalimboleko,
• Yazi ukuthi yini ongakwazi ukuyikhokha, futhi
• Yiba nombono omuhle wamathuba okugunyazwa uxhaso
Yiziphi izinketho zezimali ezikhona?
Cishe ucabangela ukubolekwa imali yemoto noma isikweletu somuntu siqu. Le yimikhiqizo efana kakhulu, nokho, imali mboleko yemoto isebenzisa imoto oyithengayo njengesibambiso semali mboleko. Lokhu kuvame ukwehlisa izinga lenzalo lonyaka, nokho, ngokuvamile kunemibandela ethile ukuze imoto ifaneleke - isibonelo, ingaba ngaphezu kwenani elithile noma ngaphansi kweminyaka ethile.
Funda Izinketho Zokuthola Imali Yemoto: Uhlolojikelele ukuze ufunde kabanzi mayelana nokubolekwa kwemoto, kanye nezinye izinketho ezifana nokuqashisa.
Ukuthola imali mboleko yesikhathi eside kungaba yindlela yokunciphisa ukukhokha okuvamile okufanele ukwenze ukuze usize imali oyibolekile, kodwa qiniseka ukuthi ucwaninga nganoma yiziphi izinhlawulo ongase ube nazo zokukhokha imali oyibolekile kusenesikhathi.
*Ngokusekelwe kuzindleko zokusebenza ze-RACV zango-2007 zezimoto ezimaphakathi (Honda Euro Accord, Mazda 6, Toyota Camry).
