Abadayisi bezimoto bakhohlisa kanjani lapho bethenga imoto entsha?
Abantu abaningi abafuna ukuthenga imoto entsha bakholelwa ukuthi bangakhohliswa noma kuphi, kodwa hhayi endaweni edayisa izimoto. Kuzo zonke izinyathelo, sibona izikhangiso zezindawo ezithengisa izimoto ezaziwayo, eziningi zazo esesike sakhuluma ngazo ku-portal yethu ye-Vodi.su. Njengomthetho, abadayisi bezimoto abathuthukisiwe ababheki ekukhohliseni, njengoba bekwazisa isithunzi sabo. Kodwa-ke, umuntu kufanele aqaphele ngaso sonke isikhathi lapho ethenga imoto entsha, ngisho nasenkampanini eyakhiwe kahle.
Ukukhwabanisa kokukhangisa
Indlela ejwayeleke kakhulu yokukhohlisa ikhasimende elikhohlisayo ukubeka ukukhangisa okungamanga. Isibonelo, kungaba iziqubulo zokuqukethwe okulandelayo:
- Ukuthengiswa komugqa wamamodeli wangonyaka odlule, amanani aphansi kakhulu;
- Imalimboleko yemoto ngamanani enzalo ephansi kakhulu;
- Thenga imoto ngezitolimende ngamaphesenti aziro nokunye.
Khumbula ukuthi eRussia sekuvele kunezinyathelo zomthetho ezinzima zokukhangisa kwamanga. Okokuqala, lokhu kuthinta opharetha beselula, abavame ukubhala "i-kopecks engu-0 yazo zonke izingcingo", bese kuvela ukuthi izingcingo zamahhala udinga ukucupha izinsiza eziningi ezengeziwe futhi ukhokhe imali ekhokhwayo yanyanga zonke.
Sisenawo "Umthetho Wokukhangisa" kanye ne-Athikili 14.3 Yekhodi Yamacala Okuphatha afaka izinhlawulo ezibucayi zokukhohlisa abathengi.
Izimo ezivamile: "ucolile", isibonelo, esikhangisweni sokudayiswa kwemoto ngesikweletu ngamaphesenti angu-3-4 ngonyaka. Eqinisweni, kuvela ukuthi izimo ezinjalo zitholakala kuphela kulabo abathengi abangafaka ngokushesha i-50-75% yenani, futhi imali esele kufanele ikhokhwe phakathi nezinyanga ezingu-6-12. Ngesikhathi esifanayo, udinga ukukhokhela izinsizakalo ezengeziwe: ukubhaliswa kwe-CASCO, ukufakwa kwesistimu ye-alamu ebiza kakhulu, isethi yamathayi.
Uma usithandile isikhangiso sokuthengisa okushibhile futhi ngethemba lokuthi uya e-salon, kuvela ukuthi empeleni imoto ibiza kakhulu, futhi imishini ekhonjiswe esikhangisweni isivele iphelile, njengoba yahlakazwa ngokushesha. Kwesinye isikhathi intengo ikhonjiswa ngaphandle kwe-VAT, okungukuthi, eshibhile ngo-18%.
Nokho, phakathi kwezinye izinto, amakhasimende awavamile ukufunda yonke inkontileka. Izimo ezikhangayo zikhonjisiwe emakhasini okuqala, kodwa-ke izinsiza ezengeziwe iklayenti elibophekile ukuba lizikhokhe zibhalwe ngamagama amancane:
- I-OSAGO ne-CASCO kuphela ezinkampanini zomshuwalense ezisebenzisana nomthengisi wezimoto;
- inhlawulo eyengeziwe yesevisi yewaranti;
- imishini eyengeziwe: izinzwa zokupaka, ingaphakathi lesikhumba, amasondo e-alloy esikhundleni sokugxiviza;
- ngamasevisi emalimboleko, njll.
Lapha singakwazi ukweluleka into eyodwa kuphela - funda ngokucophelela inkontileka, ungalingwa ngamanani aphansi namazinga enzalo.
Izinhlelo zokuthengisa izimoto zeqembu
Emazweni aseNtshonalanga, uhlelo olunjalo selusebenze isikhathi eside futhi lusemthethweni. Iqembu labantu libunjwa ukuze lithenge izimoto ezingakakhululwa, banikela nyanga zonke, kucatshangelwa inzalo, futhi, njengoba zikhiqizwa, izimoto zisakazwa phakathi kwamalungu eqembu.
Izikimu ezinjalo zikhona e-Ukraine naseRussia. Akukho nkohliso engokomthetho, kodwa umthengi kungase kudingeke alinde imoto yakhe isikhathi eside kakhulu. Okusho ukuthi, ukhokha imali ngaphansi kwemibandela yokubolekwa kwemoto evamile, kodwa awukwazi ukushayela imoto yakho, ngoba kungaba khona abantu abangu-240 noma ngaphezulu eqenjini futhi ngamunye wabo unenombolo yakhe ye-serial.
Kodwa noma kufika ithuba lakho, kungase kuvele ukuthi kukhona okhokhe imali enkulu futhi imoto okudala ilindelwe iye kuye. Abahleli beVodi.su abancomi ukuthintana nezinhlelo ezinjalo. Akekho oyokukhohlisa, uzoyithola ngempela imoto yakho ngesikweletu nazo zonke izinkokhelo ezingaphezulu, kodwa uzokwazi ukuyishayela kahle kakhulu ezinyangeni ezimbalwa.
Eminye imikhonyovu evamile
Ziningi izindlela ezimboziwe zokukhohlisa umthengi okhohlisayo. Ngokuvamile uyabona ukuthi ukhohliswe kuphela ngemva kokuba zonke izinkontileka zisayinwe futhi izimali zokuqala sezikhokhiwe.
Isibonelo, isevisi ye-Trade-In manje isidumile. Ufika ngemoto endala, iyahlolwa futhi unikezwa isaphulelo esifanele ekuthengeni entsha. Kulula ukuqagela ukuthi abaphathi bezimoto ezithengisa izimoto bazozama ngayo yonke indlela ukubukela phansi izindleko zezimoto ezisebenzile. Futhi ngokwemibandela ye-Trade-in, awunxeshezelwa ngezindleko ezigcwele, kodwa ngamaphesenti angama-70-90 kuphela.
Ngaphezu kwalokho, kunengozi enkulu yokuthenga imoto esetshenzisiwe esikhundleni sentsha. Lokhu sekuvele kuyindaba. Kufanele waziswe uma esikhundleni se-TCP entsha, kunempinda kuphela emotweni. Ngokuvamile, ngemva kokulungiswa okuhle, uchwepheshe wangempela kuphela ongakwazi ukuhlukanisa imoto entsha kuleyo esetshenzisiwe.
Kwamanye ama-salon, ukubala kwenziwa ngemali yangaphandle, noma amanani aboniswa ngamadola. Ufika nenani elidingekayo kuma-ruble, kodwa kuvela ukuthi i-salon inezinga layo, ngenxa yalokho, kufanele ukhokhe ngokweqile.
Kwamanye ama-salon, bandisa intengo ngenxa ye-hype: kunemoto eyodwa esele yokucushwa okufanelekile nokwanelisa intengo, kodwa umphathi uthi isivele ibhukhiwe. Nokho, elinye iklayenti lizimisele ukulinda izinyanga ezimbalwa uma ukhokha inani elithile.
Qaphela kakhulu lapho usayina inkontileka yokuthengisa. Isibonelo, uma kungesisodwa, kodwa kwalethwa kuwe izinkontileka ezintathu noma ezine ukuze zisayinwe, ungavilaphi ukuzifunda zonke. Kungase kuvele ukuthi ngamunye wabo unezimo ezahlukene.
Indlela yokugwema ukukhohlisa?
Sinikeza izincomo ezilula:
- Test drive - hlola izinga lemoto, thatha umngane onguchwepheshe;
- Funda wonke amadokhumenti ngokucophelela, hlola izinombolo kanye namakhodi we-VIN;
- Qiniseka ukuthi inani lokugcina elihlanganisa ne-VAT likhonjiwe kwinkontileka.
Kudingeka uqaphe ngokukhethekile lapho wenza isivumelwano sokubolekwa imoto. Lesi yisihloko esiyinkimbinkimbi kakhulu, ngoba bangakwazi ukukuqola imali eningi, kuyilapho belenga izinsiza eziningi ezengeziwe ongazidingi.
Iyalayisha...
