Ungayithenga Kanjani Imoto Entsha Kumthengisi Wezimoto

Uma usemakethe ukuze uthenge imoto entsha sha, uzodinga ukwenza isivumelwano nesisebenzi esidayisayo endaweni edayisa izimoto. Kungakhathalekile ukuthi yiluphi uhlobo lomkhiqizo ohlose ukuluthenga, wonke ama-dealship aqasha abathengisi ukuthi benze imisebenzi yokuthengisa.

Abadayisi bezimoto baqeqeshelwe ukubhekana ngqo namabhizinisi avame ukuthenga izimoto eziningi ngonyaka noma ngisho nezimoto ezimbalwa ngesikhathi. Ngokuvamile bachitha isikhathi esincane besebenza kanzima ukuze bavale idili elilodwa ngentengo ephezulu futhi basebenzise isikhathi sabo ngokuzimisela bakha ubudlelwano nezinkampani lapho izimoto ezimbalwa zingathengiswa ngenani elikhulu.

Abathengisi be-Fleet bavame ukukhokhelwa ngesakhiwo sekhomishana esihlukile kunabathengisi abathengisa emphakathini jikelele. Ezikhathini eziningi zikhokhelwa ngokusekelwe enanini lezimoto ezithengiswa ngenani eliphansi kunekhomishini evamile. Badayisa isibalo esiphezulu kakhulu sezimoto kunomdayisi wezimoto ojwayelekile, ngakho lesi sakhiwo sibavuza kahle.

Kuyenzeka ukuthi uthenge imoto yangasese ngokudayiswa kwemikhumbi kwamanye amadeli. Kunezinzuzo zokuthenga ngomnyango wemikhumbi okuhlanganisa:

• Isikhathi esincane sokuqedela inqubo yokuthengisa
• Izindlela zokuthengisa ezinengcindezi ephansi
• Izintengo eziyinqwaba

Ingxenye 1 kwezi-4: Yenza ucwaningo lwezimoto nohwebo

Isinyathelo 1: Nciphisa ukukhetha kwakho imoto. Ukuze uthenge imoto ngokudayiswa kwezimoto endaweni edayisa izimoto, udinga ukuthi uqale uqiniseke ngokugcwele ukuthi iyiphi imoto ongathanda ukuyithenga. Ngenkathi usebenzelana nomthengisi wemikhumbi akusona isikhathi sokunquma ukuthi iyiphi imoto ongathanda ukuyithenga.

Uma usuphethe ngokuthi iyiphi imodeli ongathanda ukuyithenga, nquma ukuthi yiziphi izinketho okufanele ube nazo nokuthi yiziphi ongathanda kodwa ongaphila ngaphandle kwazo.

Isinyathelo sesi-2: Hlela uxhaso lomuntu siqu. Ukuthengiswa kwezimpahla zezimoto kuvamise ukudayisa ngokheshi, okusho ukuthi izimoto ezithengayo azisebenzisi uxhaso lwezimali lomkhiqizi wokuthengisa.

Attend your financial institution or bank to be pre-approved to finance your new car purchase.

Akusho ukuthi nakanjani uzosebenzisa le nketho yezezimali kodwa uma kunenzuzo ukwenza kanjalo, iyatholakala kuwe.

Isinyathelo sesi-3: Cwaninga ukuthengiswa kwemikhumbi. Shayela umdayisi ngamunye endaweni yangakini edayisa imoto oyifunayo.

Buza igama lomphathi wemikhumbi endaweni ngayinye oyibizayo. Ungase ubuzwe isizathu sakho sokufona, kodwa gcizelela ukuthi udinga ukuthola igama lomphathi wemikhumbi.

Uma usunalo igama lomphathi wemikhumbi, cela ukukhuluma naye.

Cela imininingwane yabo yokuxhumana okuhlanganisa inombolo yocingo eqondile, inombolo yefeksi, nekheli le-imeyili.

Bachazele ukuthi uzothenga imoto yemikhumbi futhi ungathanda ukubanikeza ithuba lokubhida endalini yakho.

• Ukunakwa: Eminye iminyango yemikhumbi ngeke ibe nentshisekelo yokudayisela ilungu lomphakathi imoto. Uma ubuzwa ukuthi iyiphi inhlangano noma inkampani oyisebenzelayo, zizwe ukhululekile ukusebenzisa igama lomqashi wakho. Ungaqambi amanga ngezinhloso zakho, nakuba ukushiya imininingwane yenkampani ingacacile ngokuvamile kwanele ukuze umdayisi wemikhumbi azimisele ukuqhubeka.

• Imisebenzi: Uma umnyango wemikhumbi ungenantshisekelo yokufaka ibhidi, ungayiphusheli udaba kuwo. Ibhidi yabo cishe ngeke ibe nokuncintisana uma begcina ngokuyibeka futhi uzobe uchithe isikhathi sakho nabo.

Isinyathelo sesi-4: Hlanganisa uhlu. Hlanganisa uhlu noma isipredishithi somnyango ngamunye wemikhumbi oxhumana naye. Hlela igama labo lokuxhumana nolwazi lokuxhumana, futhi ushiye ikholomu yebhidi yabo.

Ingxenye 2 kwezi-4: Cela amabhidi

Isinyathelo 1: Shayela umthengisi. Shayela umthengisi wezimoto ngamunye oxhumane naye futhi umazise ukuthi uzobe umthumelela ulwazi ngemoto ongathanda ukuthi abhide ngayo. Zilungiselele ukwamukela ibhidi.

• Imisebenzi: Shayela phakathi namahora okusebenza avamile emini njengoba kuyilapho izinkampani eziningi zisebenza khona, ngaleyo ndlela lawo amahora agcinwa abathengisi bemikhumbi.

Isinyathelo sesi-2: Thumela imininingwane yemoto yakho. Thumela imininingwane yemoto yakho kumuntu ngamunye osohlwini lwakho ocela kuye ibhidi. Ungashiyi noma yimiphi imininingwane efanelekile, okuhlanganisa umbala oyinhloko owufunayo nanoma yimiphi imibala yesibili ongayicabangela, inketho okufanele ube nayo nokuthandwayo, usayizi wenjini, nokunye. I-imeyili iyinketho edumile yokuxhumana, nakuba amabhizinisi amaningi esasebenzisa ifeksi ukuxhumana njalo.

Isinyathelo sesi-3: Setha isikhathi sokuthenga.

Bonisa umugqa wesikhathi ohlosiwe wokuthenga. Ungaluli umugqa wesikhathi ngaphezu kwamaviki amabili; izinsuku ezintathu kuya kweziyisikhombisa zingcono kakhulu.

Nikeza amahora angama-72 ukuze iminyango yemikhumbi iphendule. Bonga umthengisi ngamunye ngebhidi yakhe. Uma ungakayitholi ibhidi ngemva kwamahora angu-72, yenza umnikelo wokugcina kumthengisi ngamunye ongaphenduli ukuze uthumele ibhidi phakathi kwamahora angu-24.

Isinyathelo sesi-4: Hlanganisa amabhidi akho kusipredishithi noma ohlwini. Uma iwindi lakho lebhidi selivaliwe, hlola amabhidi akho emoto entsha. Nquma ukuthi yimaphi amabhidi emoto ngqo oyifunayo noma uma kukhona izinketho ezidingekayo zishiywe noma zifakiwe ezingacacisiwe.

Xhumana nomthengisi ngamunye obhidayo ukuze ucacise noma yimiphi imininingwane engacacile yebhidi.

Hlola ukuthi imoto abakuphakamisayo ikhona yini esitokweni, isendleleni eya endaweni ethengisa izinto, noma izodinga uku-odwa ngokwezifiso kumkhiqizi.

Ask each fleet salesperson if their bid is their lowest price. Let them each know the lowest bid you have received and from which dealership. This gives your bid authority. Allow them the opportunity to revise their pricing more aggressively.

Ingxenye 3 kwezi-4: Khetha umdayisi wakho

Isinyathelo 1: Cabangela wonke amabhidi owatholile. Nciphisa amabhidi akho amabili angcono kakhulu futhi ugxile kuwo.

Isinyathelo sesi-2: Xhumana nebhidi yesibili ephansi kakhulu. Xhumana nomthengisi wemikhumbi ukuze uthole ibhidi yesibili ephansi kakhulu engenile. Sebenzisa i-imeyili noma ifoni koxhumana naye ukuze abonakale ngokushesha.

Isinyathelo sesi-3: Xoxisana. Nikeza umbhida wesibili ophansi inani eliphansi kancane kunebhidi ephansi kakhulu oyitholile. Uma ibhidi yakho ephansi ibingu-$25,000, nikeza inani elingu-$200 ngaphansi kwalokho. Yiba nomusa futhi uhloniphe njengoba izingxoxo ezinolaka zingavala inqubo ngokuphelele.

Isinyathelo sesi-4: Phetha ukuthengisa. Uma umthengisi amukela, xhumana naye ngokushesha ukuze wenze amalungiselelo okuphetha imigomo yendali.

Isinyathelo sesi-5: Xhumana nebhidi yakho ephansi kakhulu. Uma umdayisi enqaba okunikezwayo, xhumana nomthengisi ohlobene nebhidi yakho ephansi futhi wenze amalungiselelo okuthenga imoto yakhe. Ungaxoxi noma uxoxisane njengoba unenani eliphansi kakhulu emakethe kakade.

Ingxenye 4 kwezi-4: Phetha ukuthengisa

Kuleli qophelo, uzuze intengo ephansi ngokususelwe kuwo wonke amabhidi endaweni ekuzungezile. Uma uya endaweni edayisayo ukuze uqedele ukuthenga kwakho, akumele kube khona isidingo sokuxoxisana ngaphandle uma intengo ingeyona le ebenivumelene ngayo noma imoto ingekho njengoba nixoxile.

Isinyathelo 1: Hlela isikhathi sokwenza amaphepha. Shayela umthengisi wakho wemikhumbi futhi uhlele isikhathi esamukelekayo sokungena futhi ugcwalise amaphepha adingekayo.

Isinyathelo sesi-2: Khuluma nomthengisi. Lapho ufika endaweni ethengisa izinto, khuluma ngokuqondile nomthengisi wakho. Futhi, lonke ucwaningo lwakho nezingxoxo kuphelile ngakho lokhu kufanele kube inqubo esheshayo.

Isinyathelo sesi-3: Xoxa ngezinketho zakho zezimali. Nquma ukuthi izinketho zomkhiqizi zezimali zinenzuzo yini ezimweni zakho noma uma ungathanda ukungena ebhange lakho.

Ngenxa yokuthi usebenzelana nomthengisi wemikhumbi, ngeke ubhantshwe ukusuka kumthengisi ukuya eduze nomphathi wezezimali. Umthengisi wemikhumbi angakwenzela konke.