Thenga imoto ngezitolimende ngaphandle kwebhange
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Thenga imoto ngezitolimende ngaphandle kwebhange

27.06.2022 /

Isitolimende - lo mqondo saziwa kithi kusukela ezikhathini zaseSoviet, lapho imindeni emincane ithenga izinto zasendlini kanye nefenisha ngale ndlela, futhi ukukhokha ngokweqile kwakuncane - ikhomishini encane yokubhalisa. Kuyacaca ukuthi abaningi bangaphupha ngokuthenga imoto ngendlela efanayo ku-cabin - ukwenza inkokhelo yokuqala, bese beyibuyisela yonke imali ngaphandle kwenzalo ezinyangeni ezimbalwa noma iminyaka.

Namuhla, izinhlelo ezinikeza ukuthenga imoto ngezitolimende zikhona ngempela futhi ziyadingeka phakathi kwabantu, ngoba lolu hlobo lwemalimboleko alunayo inzalo ngempela. Ngaphezu kwalokho, inkohliso idalwe ukuthi iklayenti lisebenza ngqo ne-salon, hhayi nebhange noma isikhungo sesikweletu.

Thenga imoto ngezitolimende ngaphandle kwebhange

Imibandela yokuthenga imoto ngezitolimende

Kuyafaneleka ukusho ukuthi izimo zokuthola uhlelo lwesitolimende khona kanye esaluni zingapholisa ngokushesha ukushisekela kwabaningi:

  • inikezwa isikhathi esifushane uma kuqhathaniswa, ngokuvamile unyaka (amanye amasaluni angase anikeze izitolimende kuze kube yiminyaka emithathu);
  • inkokhelo yokuqala iyisibopho futhi isilinganiso sisuka kumaphesenti angama-20 kuye kwangama-50 ezindleko;
  • imoto kumele ibe nomshwalense ngaphansi kwe-CASCO.

Uhlelo lokuthola izitolimende nalo luyathakazelisa. Ngokusemthethweni, ungena esivumelwaneni ne-salon, kodwa i-salon ayisona isikhungo sezezimali futhi ukubamba iqhaza kwebhange kuyoba yimpoqo. Ukhokha ingxenye yezindleko zemoto, khona-ke umthengisi wezimoto unikeza isikweletu esisele ebhange, futhi ngesaphulelo. Lesi saphulelo siyimali engenayo yebhange - emva kwakho konke, kusazodingeka ukhokhe sonke isikweletu ngaphandle kwesaphulelo.

Umuntu angaqagela ukuthi abamabhange nabanikazi bezinkampani ezithengisa izimoto bavumelana kanjani phakathi kwabo. Ngaphezu kwalokho, ngezitolimende awukwazi ukuthenga noma iyiphi imoto, kodwa eyodwa kuphela yokukhangisa. Ngokuvamile lawa amamodeli athengisa okubi kakhulu noma asele kumasizini edlule.

Yebo, phakathi kwezinye izinto, uzodinga nakanjani ukufaka isicelo se-CASCO, hhayi nje noma kuphi, kodwa kulezo zinkampani zomshwalense ozonikezwa kuzo endaweni yokuthengisa izimoto. Kuyathakazelisa, kodwa-ke kuvela ukuthi kulezi zinkampani inqubomgomo ye-CASCO izobiza ngaphezu kwalabo abancintisana nabo. Lokhu kuphinde kube yingxenye “yetulo” eliphakathi kwamabhange, izindawo zokucwala izinwele nezinkampani zomshwalense. Uma isivumelwano sesitolimende siphethwa iminyaka eminingana, izindleko zenqubomgomo ye-CASCO zizohlala zifana, okungukuthi, uzolahlekelwa amaphesenti ambalwa.

Noma ngabe ufuna ukuxhumana nebhange kangakanani, kusamele wenze i-akhawunti yasebhange kanye nekhadi lepulasitiki ozokhokha ngalo isikweletu sakho. Ikhomishana ethile nayo ithathwa ngokusevisa ikhadi.

Okusho ukuthi, siyabona ukuthi izitolimende ezingenayo inzalo zisazodinga izindleko ezengeziwe ezihlobene kithi, futhi ibhange liyohlala likhokha intela yalo.

Thenga imoto ngezitolimende ngaphandle kwebhange

Ungaluthola kanjani uhlelo lwesitolimende semoto endaweni edayisa izimoto?

Ukufaka isicelo sohlelo lwesitolimende semoto endaweni edayisa izimoto, udinga ukuletha isethi ejwayelekile yamadokhumenti: ipasipoti enokubhaliswa, umazisi wesibili, isitifiketi semali engenayo (ngaphandle kwaso, akekho ozokunikeza imoto izitolimende). Ngaphezu kwalokho, kuzodingeka ugcwalise uhlu lwemibuzo olukhulu lapho udinga ukukhombisa khona ngokwethembeka lonke ulwazi ngawe, mayelana nempahla ephathekayo nengenakunyakaziswa, mayelana nemali engenayo yamalungu omndeni, mayelana nokutholakala kwemali mboleko, njalonjalo. Lonke lolu lwazi lube seluhlolisiswa ngokucophelela.

Ngokuvamile kuthatha izinsuku ezintathu ukwenza isinqumo, nakuba bengagunyaza uhlelo lwesitolimende kusenesikhathi uma bebona ukuthi bangumuntu ojwayelekile onomlando omuhle wesikweletu. Isinqumo esihle sihlala sisebenza izinyanga ezi-2, okungukuthi, ungakhetha enye imoto noma ushintshe umqondo wakho ngokuphelele.

Eqinisweni, ngokusho komklamo wohlelo lwesitolimende - yilokho kuphela. Bese wenza inkokhelo yokuqala, hamba uyobhalisa imoto, uthenge i-OSAGO, i-CASCO, njalonjalo. Isihloko sihlala esaluni noma siya ebhange, uzosithola ngemva kokukhokha isikweletu.

Ezinye izindlela zokuthenga imoto ngezitolimende ngaphandle kwebhange

Uma uhlelo olunjalo lwesitolimende ku-salon "ngaphandle kwebhange" lungahambisani nawe, ungazama ukuthenga imoto esetshenzisiwe emakethe yesibili kumhwebi wangasese. Lokhu kwamukeleka ngokuphelele futhi akwephuli umthetho. Uhlu olubanzi kakhulu lwezinketho lungenzeka lapha, kodwa zonke kufanele ziqashelwe:

  • kwakhiwa isivumelwano sokudayiswa, sichaza ngokuningiliziwe imigomo yokukhokha;
  • kwakhiwa isivumelwano sokubolekwa imali - uthola imoto futhi uzibophezele ukuyikhokha phakathi nesikhathi esibekiwe;
  • irisidi - kukhishwa irisidi, lapho kufakwa khona zonke izimali ezikhokhiwe futhi konke lokhu kuqinisekiswa amasignesha ezinhlangothi ezivumelwaneni.

Cishe ngendlela efanayo, ungathenga imoto enhlanganweni. Izisebenzi eziningi kakhulu zenza isivumelwano samazwi noma esibhalwe phansi nabaphathi bazo futhi zisebenzisa izimoto zenkampani njengokungathi ngezabo, kuyilapho zikhokha irenti engaguquki. Ngale ndlela, umphathi akadingi ukukhathazeka nhlobo, ngoba ulawula imali engenayo yabasebenzi bakhe.




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