Indlela yokubala izindleko zemoto

Ukuthenga imoto kuhlale kuwumcimbi obalulekile kunoma yimuphi umuntu. Abantu abaningi kufanele bonge imali yalokhu isikhathi esingaphezu konyaka owodwa. Labo asebenolwazi lokuba nemoto yomuntu siqu bayazi ukuthi izindleko zezimali azigcini nje ekuthengeni ngokushesha. Ukusebenza kwemoto kudinga imali, futhi amanani angahluka kakhulu kuye ngohlobo, isigaba kanye nemodeli ethile yemoto. Kodwa ngisho nabashayeli abanolwazi abakwazi njalo ukunquma ngokunembile ukuthi kuzobabiza ngani ukuba nomnikazi omusha "we-iron friend". Singathini ngalabo abathenga imoto okokuqala bese bethola ngokushesha ukuthi abawabalanga kahle amandla abo ezezimali. Ukuba nemoto yakho kukhulisa kakhulu izinga lokunethezeka empilweni yomuntu, kodwa kuphela uma izindleko ezihambisana nokuba nemoto nokusebenza ziqhathaniswa nemali engenayo.

Ake sizame ukuthola ukuthi yikuphi okumangazayo ngokwezezimali labo abanquma ukuba ngabanikazi bemoto okuzodingeka babhekane nakho. Ukuhlolwa okufanele kwezindleko ezizayo kuzokusiza ukhethe okwanele futhi uthenge imoto ngokwamandla akho. Uma kungenjalo, izindleko zokunakekela imoto zingaba umthwalo ongabekezeleleki kusabelomali somuntu siqu noma somndeni.

Lezi zindleko zingabalwa ngokunembe kakhulu kusengaphambili. Nakuba kumuntu oqalayo, kungase kube nezimanga zokuqala lapha. Ngeke uvele uthenge imoto bese uyisebenzisa. Kufanele uyibhalise, okungukuthi, uyibhalise futhi uthole izinombolo nesitifiketi sokubhalisa. Ukubhalisa kuyinjabulo ekhokhelwayo.

Izinsizakalo zesikhungo senkonzo zokubhalisa imoto eyenziwe ku-CIS izobiza i-hryvnia engu-153, izimoto zakwamanye amazwe - 190 hryvnia.

Ifomu lesitifiketi sokubhalisa libiza ama-hryvnia angama-219.

Izindleko zamapuleti amasha elayisensi ngama-hryvnia angama-172. Endabeni yokubhaliswa kabusha kwemoto esetshenzisiwe, ungagcina izinombolo ezindala futhi wonge kancane kulokhu.

Uma udinga ukucacisa intengo yemoto esetshenzisiwe, kuzodingeka umeme umhlaziyi oqinisekisiwe. Ukuze izinkonzo zakhe uzodinga ukukhokha mayelana 300 hryvnia.

Ukuhlolwa kwe-forensic akudingekile lapho ubhalisa imoto, kodwa kungenziwa ngesicelo somthengi. Kuzobiza enye i-270 hryvnia.

Uma sikhuluma ngemoto entsha ethengiwe endaweni yokuthengisa izimoto, noma imoto esetshenzisiwe engeniswe kwelinye izwe, enye inkokhelo eyisibopho izoba yimali ebanjwa eSikhwameni Sempesheni sase-Ukraine. Emotweni ethengwe endaweni yokubukisa, imali izoba kusuka kumaphesenti amathathu kuya kwayisihlanu yenani layo elingase libe khona. Emotweni esetshenzisiwe evela kwamanye amazwe, iphesenti lizobalwa ngokusekelwe enanini lenani layo elilinganiselwe, intela yokungenisa ezweni kanye nentela yempahla. Ukudonswa kwemali ku-PF yemoto ngayinye ethile kukhokhwa kanye, ngokuthengiswa okwengeziwe nokubhaliswa kabusha endaweni yase-Ukraine, le mali ayidingi ukukhokhwa.

Amanani angenhla angase ashintshe ngezikhathi ezithile, kodwa afaneleka kakhulu ekulinganiseni izindleko eziyinhloko. Kufanele kucatshangelwe kuphela ukuthi ibhange lizothatha ikhomishini ethile yokudlulisa imali.

Futhi ngendlela, inhlawulo yokubhaliswa sekwephuzile kwemoto ingu-170 hryvnia. Ukwephulwa okuphindaphindiwe okufanayo kuzobiza kufika ku-510 hryvnia. Ukuze uvimbele le mali ukuthi ingezwe ezindlekweni zokuqala ezihambisana nokuthengwa kwemoto, udinga ukuyibhalisa zingakapheli izinsuku eziyi-10 kusukela ngosuku othengwe ngalo.

Uma ungumnikazi wemoto, kunezindleko eziqhubekayo ozobhekana nazo, kungakhathaliseki ukuthi usebenzisa imoto amahora angu-12 ngosuku noma uthathe uhambo olufushane kabili noma kathathu ngenyanga.

Izinkokhelo ezinjalo zihlanganisa intela yezokuthutha kanye nemishwalense ye-CMTPL kanye ne-CASCO.

INTELA YEZOKUTHUTHA

Izinga lentela yokuthutha e-Ukraine yi-hryvnia eyizinkulungwane ezingama-25. Lena imali okuzodingeka uyikhokhe kanye ngonyaka ngemoto ngayinye ngaphansi kwaleyo ntela. Kodwa akuwona wonke umuntu okufanele awukhokhe. Uma ungumnikazi wemoto engaphansi kweminyaka emihlanu ubudala futhi inani layo elimaphakathi lemakethe lingaphezu kwamaholo aphansi angama-375, kuzothi ungakapheli umhlaka-1 Julayi wonyaka wokubika uzothunyelelwa isaziso sentela. Zingakapheli izinsuku ezingama-60 kuzodingeka ukuthi uhlukane naleli nani elingenhla ngokulidlulisela kusabelomali sikahulumeni. Emnyangweni Wezokuthuthukiswa Komnotho, Ukuhweba Nezolimo wase-Ukraine ungathola uhlu oluphelele lwamamodeli ezimoto angaphansi kwentela yokuthutha. Futhi inqubo yokukhokha kwayo ilawulwa yiKhodi Yentela yase-Ukraine. Okuwukuphela kwendlela yokugwema lezi zindleko ukuthenga imoto enesizotha futhi eshibhile. Ngo-2019, inani lomkhawulo liyi-1 million 564 thousand 875 hryvnia.

OSAGO

Umshwalense oyimpoqo wemfanelo wenkampani yangaphandle, owaziwa kakhulu ngokuthi “avtocitizen” noma “avtocivilka”. Ukuba khona kwe-OSAGO kuzokusindisa ekulahlekelweni kwezimali okungalindelekile uma uba yisigebengu sengozi futhi ubangele ukulimala kwenye imoto noma impilo yabantu. Inkampani yomshwalense izobuyisela izindleko zokwelapha abalimele kanye nokulungisa imoto eyonakele. Kodwa ngesikhathi esifanayo, umenzi wengozi uzolashwa futhi abuyisele imoto yakhe ngezindleko zakhe.

Njengoba igama liphakamisa, lolu hlobo lomshwalense luyimfuneko kunoma yimuphi umnikazi wemoto. Awukwazi ukushayela ngaphandle kwayo, abephula umthetho bajeziswa ngenhlawulo efinyelela ku-850 hryvnia. Inqubomgomo ye-OSAGO ikhishwa isikhathi esingangonyaka. Izindleko zayo zibalwa ngendlela eyinkimbinkimbi, kucatshangelwa uhlobo lwemoto, ulwazi lokushayela, ukushayela okungenangozi nezinye izici. Ezimweni eziningi, isakhamuzi esizenzakalelayo sizokubiza i-1000 ... 1500 hryvnias. Kwezinye izimo, kungenzeka ukuthola umshwalense wesikhashana. Isibonelo, uma usanda kuthenga futhi ungakabhalisi imoto, ungathenga inqubomgomo ye-autocitizenship isikhathi esiyizinsuku ezingu-15 noma ngaphezulu.

Kodwa-ke, ukuba khona kwemoto kuhlolwa kuphela uma kwenzeka ingozi noma ngesikhathi sokwenziwa kwe-protocol yokwephulwa kwemithetho yomgwaqo. Lokhu kwenza ukuthi abanye abashayeli bagweme ukuthenga inqubomgomo ye-OSAGO. Ukonga kuyangabazeka kakhulu, njengoba ungagcina usesimweni esinzima kakhulu sezezimali uma kwenzeka ingozi ngephutha lakho. Uma imoto ebizayo ihlupheka, inani lomonakalo lingaba likhulu kakhulu.

I-CASCO

Ngokungafani nomshwalense wezimoto, lolu hlobo lomshwalense lungokuzithandela ngokuphelele. Ukukhipha inqubomgomo ye-CASCO noma cha, umnikazi wemoto ngamunye uzinqumela yena. Kodwa ukuba khona kwayo kuzokuvumela ukuba ubale isinxephezelo ngomonakalo odalwe emotweni YAKHO ngenxa yengozi, inhlekelele yemvelo, ukweba, ukulimala ngamabomu kwabacekelwe phansi nezinye izimo. Izindleko zenqubomgomo ye-CASCO kanye nenani lezinkokhelo zemicimbi enomshwalense kunqunywa inkontileka nenkampani yomshuwalense.

Uma konke kucacile ngezinkokhelo zokuqala, izintela kanye nemishwalense, khona-ke kunzima kakhulu ukubala izindleko zokusebenza zamanje kusengaphambili, ikakhulukazi kumshayeli we-novice. Ukungawacabangi kahle kungaholela ekuthengeni imoto egcina ibiza kakhulu ukuyigijima.

Into esemqoka yezindleko zamanje uphethiloli. Ukusetshenziswa kukaphethiloli kunqunywa ukugudluzwa kwenjini evuthayo yangaphakathi, ukusebenza kahle kwayo, kanye nezimo zokusebenza. Imoto esetshenzisiwe ingadla isethi kaphethiloli owengeziwe kuye ngesimo senjini evuthayo yangaphakathi, isistimu yamandla, izihlungi, nezinye izinto.

Ungakwazi ukulinganisa izindleko zikaphethiloli ngokulinganisa ibanga ozolishayela ngokwesilinganiso ngenyanga, imodi yokushayela (imigwaqo yasedolobheni noma yasemaphandleni) kanye nesilinganiso esimenyezelwe (iphasipoti) sokusetshenziswa kukaphethiloli ngamakhilomitha ayi-100 ngemoto okukhulunywa ngayo. I-Factor X isalokhu iyizindleko zikaphethiloli eziteshini zikaphethiloli, ezingashintsha ngendlela engalindelekile kuye ngesimo somnotho nezigigaba zezombusazwe ezweni nasemhlabeni.

Ukunakekela kwenziwa ngezikhathi ezithile. Emotweni entsha ngaphandle kokugijima, izindleko zokunakekela zingalinganiswa isethi yeminyaka kusengaphambili, njengoba ukugcinwa okuvamile nokushintshwa kwezinto ezisetshenziswayo kunikezwa ngokwemibandela yewaranti.

Uma imoto esetshenzisiwe ithengwa, khona-ke okungenani izodinga ukunakekelwa okugcwele ngokushintshwa kwazo zonke izinto ezisetshenziswayo nezinto zokwakha. Kunzima kakhulu ukubala kusengaphambili izindleko zokusevisa nokulungisa imoto esetshenzisiwe. Kungenzeka ukuthi ifihle "izimanga" ezizovela ngemva kwesikhashana futhi zidinga ukulungiswa okukhulu nokubizayo. Udinga ukuqaphela ikakhulukazi lapho uthenga imoto esetshenzisiwe yohlobo oludumile futhi olubizayo - ukulungiswa kwayo kungakulimaza.

Ngokuvamile, uma imoto ibiza kakhulu, izindleko zokusebenza ziphezulu. Uma ungaqiniseki ngamakhono akho ezezimali, thenga imoto enesizotha, ikakhulukazi uma uyenza okokuqala. Mayelana nalokhu, izimoto ezenziwe eShayina zingathengwa kahle kubantu abangenamali elinganiselwe nalabo abathenga imoto yabo yokuqala. Azibizi kuphela ngokwazo, kodwa futhi zithengeka kakhulu ngezindleko zokugcinwa nokulungisa.

Imoto kumele ishiywe ndawana thize. Kuhle ukuba negalaji lakho. Nokho, akuwona wonke umuntu onenhlanhla ngalokhu. Uma imoto ingabizi, ungazifaka engozini yokuyibeka eduze kwendlu obala. Kodwa-ke izovezwa emiphumeleni elimazayo yomswakama - ngamanye amazwi, ukugqwala. Abacekela phansi impahla, amasela namasela ezimoto nabo bazokwazi ukufinyelela kuyo. Ngakho-ke, kungcono ukuthola indawo yokupaka ekhokhelwayo noma ukuqasha igaraji. Izindleko zingahluka kakhulu kuye ngedolobha nendawo ethile. Isibonelo, e-Odessa, indawo endaweni yokupaka egadiwe ibiza ama-600 ... 800 hryvnia ngenyanga, futhi ukuqasha igaraji kuzobiza kusuka ezinkulungwaneni ezimbili kuya kwezimbili.

Amathayi azodinga ukushintshwa njengoba eguga. Ezishibhe kakhulu zibiza ama-hryvnia angu-700…800 iyunithi ngayinye, kodwa amanani erabha yekhwalithi evamile aqala cishe ku-1000…1100 hryvnias. Ezimweni eziningi, udinga ukuba namasethi amabili - ihlobo nobusika. Ungagcina kancane ngokuthenga amathayi esaphulelo, amathayi ehlobo ekwindla, amathayi asebusika entwasahlobo. Kodwa ukonga imali ngokuthenga amathayi asesebenzile akufanelekile. Sebevele bagugile futhi, ngaphezu kwalokho, bangase babe namaphutha angaphakathi atholwe ngesikhathi sokusebenza. Amathayi anjalo mancane amathuba okuthi ahlale isikhathi eside.

Ngokwemithetho yomgwaqo, imoto kufanele ifakwe ngaphandle kokwehluleka, ngentambo yokudonsa kanye. Isethi yalezi zinsiza ibiza 400…500 hryvnias. Amakhithi abiza kakhulu angase ahlanganise izinto ozikhethela zona kodwa eziwusizo kakhulu - ivesti ekhanyayo, amagilavu, ama-chocks, izintambo zokuqala. Lapho uthenga, naka usuku lokuphelelwa yisikhathi kwezingxenye zekhithi, ikakhulukazi isicisha-mlilo.

Ebusika, esimweni esiphuthumayo, ingubo yokulala eshisayo, i-scraper, iwasha yengilazi kanye nethrekhi yezindlela ezimbili kungasiza kakhulu ukuqinisekisa ukuthi isondo libambelela emigwaqweni eneqhwa noma eneqhwa. Lezi zinto zizobiza cishe ama-200 ... 300 hryvnia.

I-alamu elula yendlela eyodwa ibiza kusuka ku-600 kuya ku-1000 hryvnia. Amanani amakhithi anezinhlangothi ezimbili aqala kusukela enkulungwaneni eyodwa nengxenye, enemojula ye-GSM yokuxhumana nomakhalekhukhwini - kusukela ezinkulungwaneni ezimbili nengxenye. Kuye ngokusebenza, ukuba khona kwe-module ye-GPS nezinzwa ezihlukahlukene, izindleko ze-alamu zingafinyelela ku-20…ama-hryvnia ayizinkulungwane ezingu-25. Futhi lokhu ngaphandle kokucabangela izindleko zokufaka uhlelo.

Uma kunesidingo nesifiso, imoto ingahlonyiswa ngezinto ezihlukahlukene eziwusizo nezijabulisayo - okomoya, isistimu yomsindo, i-DVR, i-GPS navigator, nezibani zokuhlobisa. Kodwa konke lokhu kuthengwa ngokuvumelana nezidingo kanye nekhono lezezimali lomnikazi wemoto.

Ukusetshenziswa kukaphethiloli kuncike esimweni senjini yomlilo yangaphakathi nezinye izinhlelo zemoto. Ngenxa yeyunithi yamandla egugile, ukusetshenziswa kukaphethiloli ngokweqile kungafinyelela ku-10...20%. Abavimbekile bazokwengeza omunye u-5...10%. Ama-spark plugs anephutha, ama-injection angcolile kanye nelayini kaphethiloli, ukuhlelwa kwesondo okungalungisiwe, umfutho wesondo ongalungile, amabhuleki amabhuleki - konke lokhu kunomthelela ekusetshenzisweni kukaphethiloli kungenasidingo. Ngakho-ke isiphetho - qapha isimo sobuchwepheshe senjini yomlilo yangaphakathi nezinye izingxenye "zehhashi lakho lensimbi", phendula izimpawu ezisolisayo ngesikhathi esifanele futhi uxazulule izinkinga.

Ngokunciphisa isisindo somshini, ungakwazi futhi ukunciphisa ukusetshenziswa kukaphethiloli. Ungaphathi izinto ezengeziwe, amathuluzi angase adingeke kuphela egaraji. Ngokwehlisa imoto ngo-40 ... 50 kilograms, ungonga cishe amaphesenti angu-2 ... 3 kaphethiloli. Lokhu akukuncane njengoba kungase kubonakale ekuqaleni. Gwema ukulayisha okugcwele, kule modi ukusetshenziswa kukaphethiloli kukhuphuka cishe ngekota.

Ungasebenzisi kabi ukungenzi lutho, lena akuyona indlela eyonga kakhulu yokusebenza kwenjini evuthayo yangaphakathi.

Vala abasebenzisi bakagesi abangenasidingo abangawudingi okwamanje.

Ngezikhathi ezithile, imoto kufanele iwashwe noma yomiswe. Ezimweni eziningi, izinsizakalo zokugeza izimoto zingayekwa. Ungakwazi ukuwasha futhi uhlanze imoto ngokwakho. Lokhu kuzothatha isikhathi, kodwa kuzokonga imali.

Shayela ngokucophelela, landela imithetho yomgwaqo, futhi uyogwema inhlawulo engajabulisi njengenhlawulo.

Gwema ukushayela kanzima, nolaka. Ngenxa yalokho, uzochitha imali encane kuphethiloli, ukugcoba, ukulungisa kanye nezingxenye ezisele. Lena cishe indlela ephumelela kakhulu yokunciphisa izindleko zokusebenza nokugcina umshini wakho usesimweni esihle.