Ukuthenga imoto: ukuqashisa noma ukubolekwa kwemoto?
Njengamanje, ingxenye enkulu yabanikazi bezimoto abazithengi izimoto zabo ngemali, kodwa bathatha imali ebhange noma kwesinye isikhungo sezikweletu. Yiqiniso, akuwona wonke umuntu ofuna ukubhekana nezikweletu, kodwa kunezikhathi lapho ungeke ukwazi ukwenza ngaphandle kwezimali zesikweletu. Namuhla, kunezindlela ezimbili ezivame kakhulu zokuthenga imoto, ngaphandle kwemali:
- ukuqasha ukuthenga
- imalimboleko yemoto
Abanye abantu abasoli nakancane ukuthi lena imiqondo ehluke ngokuphelele nokuthi uhlobo ngalunye lwemali mboleko lunezinzuzo nezinkinga zalo, ngakho-ke kufanelekile ukugxila kancane kulowo nalowo mqondo futhi uthole izinzuzo eziyinhloko zazo zombili izindlela.
Ukuthenga imoto ngesikweletu
Ngicabanga ukuthi asikho isidingo sokuchaza zonke izinto ezicashile lapha, ngoba iningi labanikazi selivele lijwayele lo mqondo. Ungakwazi ukudweba inqubo yokuthola imali kokubili ebhange kanye nendawo ethengisa izimoto ngokwayo. Izilinganiso zenzalo yemalimboleko yemoto https://carro.ru/credit/zimenyezelwa ngokushesha futhi azihlali zijabulisa. Kwakukhona izimo eziningi ukuthi ngemva kokubalwa kokugcina kwazo zonke izinkokhelo kanye nenani lokugcina lesikweletu esikhokhiwe, abathengi benqaba ngokuphelele isivumelwano esinjalo. Ake sithi uzothatha ama-ruble angu-300, kodwa eminyakeni engu-000 nje isiyonke ungakhokha cishe kabili.
Elinye iphuzu okufanele liphawulwe ukuthi ngokuthenga imoto ngesikweletu, uvele ube umnikazi wemoto futhi ube nelungelo lokuyilahla ngokubona kwakho. Kodwa akwenzeki ngaso sonke isikhathi ukuthola imali ebolekiwe ngaphandle kwezinkinga. Naphezu kokwenyuka kwezinga lenzalo lafinyelela eziqongweni ezingakaze zibonwe ngaphambili, amanye amabhange angase enqabe ukukhipha ngesizathu esingaziwa. Yile nto engeyinhle engaxosha iklayenti futhi imyengele ohlangothini lokuqashisa.
Ukuthenga imoto ngokuqashisa abantu ngabanye
Kuze kube muva nje, ukuqashisa bekwenziwa ezinhlanganweni ezisemthethweni kuphela, ngokuqondile - izinhlangano. Kodwa izikhathi ziyashintsha, futhi ubonge uNkulunkulu, ngokuba ngcono, ngakho manje ungasebenzisa le nkonzo kubantu ngabanye. Umehluko omkhulu phakathi kokuqashisa nokubolekwa imali ukuthi imoto “ethengiwe” akuyona eyakho, kodwa ngeyenkampani eqashisayo uze ukhokhe sonke isikweletu ngaphansi kwenkontileka.
Zonke izinqubo ezihlobene nokudlula ukuhlolwa kobuchwepheshe, umshuwalense kanye nezimo zokuxazulula namaphoyisa omgwaqo, yiqiniso, zizophathwa ngumshayeli wemoto, kodwa empeleni, imoto izoba yinkampani yombolekisi. Nakuba, kwabanye, lokhu kungase kube ukuhlanganisa, ukuze bangakhanyi impahla yabo phambi komphakathi. Kuvele ukuthi nakuba imoto ibhaliswe ngaphansi kwesivumelwano sokuqashisa, empeleni akuyona eyakho. Futhi uma ngokungazelelwe unquma ukuhlukanisa nomngane wakho womshado, khona-ke imoto enjalo ayikho ngaphansi kokuhlukana. Vumelana ukuthi le nto nayo ibaluleke kakhulu kwabaningi abangenaso isiqiniseko ngomunye uhhafu wabo.
Amazinga enzalo ngokuqinisekile aphansi lapha, kodwa uma kucatshangelwa ukukhokhwa kwe-VAT, umphumela cishe ulingana nenani lemali mboleko yemoto. Nakuba, muva nje konke sekulula kakhulu, futhi ngokuphambene nalokho, amanani aye anda kakhulu ohlangothini lwamabhange, ukuqashisa sekuba isipho esikhangayo ezakhamuzini ezivamile. Kodwa kufanele uqaphele lapho ukhetha inkampani ehlinzeka ngalolu hlobo lwenkonzo. Ngempela, uma kwenzeka iqothuka, ngeke uthole imali yakho ekhokhelwe noma imoto yakho!
