Kungani kunenzuzo ukuthenga imoto ngokuqashisa, futhi ungathathi isikweletu?

Thatha imoto ngokuqashisa noma ngemalimboleko? Njengomthetho, ukukhetha kwehlela ezintweni eziza kuqala. Abashayeli abaningi banesithakazelo embuzweni wokulondoloza - iyiphi inketho eshibhile manje? Kwabanye abanikazi bezimoto, kumayelana nezinzuzo zobunikazi. Ngaphambi kokukhetha indlela ozoyithatha, kubalulekile ukuqonda umehluko obalulekile phakathi kokuqashisa nokuboleka.

Iningi labanikazi bezimoto base-Ukraine bakhetha ukuthenga imoto enokulethwa okuvela emazweni e-EU - isibonelo, ePoland. Lena indlela ethandwayo yokuthenga izimoto ezisezingeni eliphezulu, njengoba indlela yokusevisa nokushintsha imoto e-EU nase-Ukraine ihluke kakhulu. Ngokwesibonelo, eLithuania, abathandi bezimoto bangashintsha imoto yabo njalo ngemva kweminyaka embalwa. Abashayeli base-Ukraine, ngenxa yezinga labo lemali engenayo, bavame ukushintsha izimoto kancane kakhulu.

Ukuqashisa noma isikweletu?

Uma uthatha ukuqasha imoto, khokha ukusebenzisa ezokuthutha isikhathi esithile. Imibandela yezinye izinkampani ihlanganisa imikhawulo enanini lamakhilomitha ongawashayela kanye nezinguqulo zakho siqu. Izimali ezahlukahlukene ziyasebenza.

Ekupheleni kwesikhathi sokuqasha, unenketho yokubuyisela imoto kumthengisi noma uyithenge ngenani elinqunywe kusengaphambili elishiwo esivumelwaneni sokuqasha.

Uma uboleka imoto, uthola ubunikazi bayo ngokushesha. Ungumnikazi wayo ngokugcwele uma uyikhokhela ngokheshi noma ngemva kokuba imali mboleko isibuyisiwe uma ukhokhela ukuthenga. Ugcina ukulawula zonke izici zemoto futhi ungagcina uyigcine, uyihwebe ngayo, uyidayise noma uyinikeze.

Izinzuzo zokuqashisa nokubolekisa

Izinkokhelo zokuqashisa ngokuvamile ziba ngaphansi kunezinkokhelo zanyanga zonke emalimboleko yemoto entsha. Zincike ezintweni ezinjalo:

• intengo yokuthengisa - okuxoxiswene ngayo nomthengisi, njengalapho uthenga imoto;
• ubude besikhathi sokuqashisa yinani lezinyanga ovuma ngazo ukuqasha imoto;
• imali yokuqashisa - le mali iboniswa ngohlobo lwemali, hhayi njengephesenti, kodwa ilingana nenani lenzalo;
• izintela nezinkokhelo: lezi zengezwa ekuqashweni futhi zithinta izindleko zanyanga zonke.

Abanye abathengisi badinga imali yokuqasha yokuqala. Uma ufaka idiphozi, imali yokuqashisa izokwehla.

Khumbula ukuthi kungase kungabi nengqondo ukufaka imali eningi emotweni uze ugcine usubuyela kumdayisi. Uma uqinisekile ukuthi uzoyithenga ngemuva kokuphelelwa yisikhathi sokuqashisa, inkokhelo ephansi izokwehlisa inani lokuthenga.

Izinzuzo zokuqashisa

• Izindleko eziphansi zanyanga zonke. Ukuqashisa kunganciphisa umthwalo wezezimali wezindleko zanyanga zonke kancane. Lokhu ngokuvamile kubandakanya inkokhelo encane uma kuqhathaniswa nokuthenga. Ngenxa yalokhu, abanye abantu bakhetha imoto ewubukhazikhazi kakhulu kunaleyo ababengakwazi ukuyithenga.
• Imoto entsha njalo eminyakeni embalwa. Kubantu abaningi, akukho lutho olungcono kunomuzwa wokugibela okusha. Lapho isikhathi sokuqashisa siphelelwa yisikhathi, ungabuyisela imoto futhi uthole imoto yakho entsha elandelayo.
• Awudingi ukukhathazeka ngokuthengisa kabusha. Uvele ubuyisele imoto (ngaphandle uma unquma ukuyithenga). Okuwukuphela kwento okufanele ukhathazeke ngayo ukukhokha noma yiziphi izindleko ekupheleni kwesivumelwano sokuqashisa, okuhlanganisa ukuguga okungavamile noma ukudabuka noma ibanga elide emotweni.

Izinzuzo zokuboleka

• Ayikho imikhawulo. Akudingekile ukuthi ukhokhe imali ehlobene nebanga lemoto kanye nokuguga. Ngenxa yokuthi ingeyakho, ukhokhela isevisi nokulungisa ngesikhathi esivumelana nawe.
• Ukulawula okugcwele. Uma uthenge imoto ngesikweletu, ngemuva kokukhokha kwayo, ungazigcinela imoto, uyidayise ngokushesha noma uyinike othile. Ukuzikhethela kungokwakho.

Ububi bokubolekisa

• Ukwehla kwenani okusheshayo. Izimoto ezintsha zingalahlekelwa u-15-25% yenani lazo phakathi neminyaka emihlanu yokuqala yobunikazi. Uma ubheka imoto yakho njenge-investimenti, khona-ke lokhu kuwububi. Kodwa-ke, uma uluhlobo lomuntu othenga futhi agcine imoto iminyaka, akusho lutho.
• Izindleko zokushayela. Ngokocwaningo lwe-AAA olwenziwa ngo-2021, izindleko zokushayela imoto entsha ibanga elilinganiselwa ku-20 000 km zazilinganiselwa ku-$8000. Izindleko zazihlanganisa uphethiloli, umshwalense kanye nokunakekela.

Yiziphi izinketho zokuthenga imoto esetshenzisiwe e-Ukraine?

Uma unquma ukuthatha imoto ngezitolimende, inketho engcono kakhulu kungaba ukuxhumana nenkampani ethembekile futhi ezinzile. I-AutoMoney ingomunye wabameleli abaphumelele kakhulu kulo mkhakha emakethe yezimoto yase-Ukraine. Inkampani inikeza ukukhetha okuzenzakalelayo (ochwepheshe bazokukhethela imoto ngokwezifiso zakho). Ungakwazi futhi ukukhetha imoto entsha noma esetshenzisiwe ngokwakho, futhi udweba izinkontileka, ukufaneleka, njll. kuzohlala kubasebenzi be-AutoMoney.

Ukufaka isicelo sokuqashisa, udinga kuphela iphasipoti, i-TIN, ilayisense yokushayela evumelekile kanye nenani elidingekayo lesitolimende sokuqala (okuxoxwe ngaso ngazinye). Ngakho-ke, ukuqasha imoto kuyindlela engabizi kakhulu yokuthenga imoto cishe yawo wonke umuntu wase-Ukraine.