Ingabe kufanelekile ukuthatha imoto ngokubhalisela?

Imoto yokubhalisa, i.e. ukuqasha isikhathi eside

Njengoba nje igama liphakamisa, imoto yokubhalisa ayilutho ngaphandle kokuqashiswa isikhathi eside. Nokho, okuhlukanisa lolu hlobo lokuxhaswa ngezimali kwemoto ukuthi imali yokuqasha ingaba ngaphansi kunemali ebolekiwe yemoto yakudala noma imali yokuqashisa. Ngesikhathi esifanayo, imali yenyanga yemoto yokubhalisa ihlanganisa zonke izindleko ezihlobene nokusebenza kwayo, ngaphandle kwephethiloli. Ngamafuphi, asikho isidingo sokukhathazeka ngomshwalense, izindleko zokunakekela, ukushintsha amathayi noma ukuhlolwa, ngoba yonke le mithetho inakekelwa yinkampani esiqashisa kuyo imoto.

Enye into eyenza izimoto ezibhalisiwe zihluke ukuthi asikho isidingo sokungena ezindlekweni ezihambisana nokukhokha kancane, isibonelo. Lapho inkontileka ifika ekupheleni, imoto ibuyiselwa futhi ungakwazi ukunquma, isibonelo, kokulandelayo. Kukhona futhi inketho yokuthenga, kodwa lena inketho engabizi. Ukuthenga kunenzuzo ethe xaxa endabeni yokuqashisa.

Umtitilizo wokuqashwa kwezimoto ezibhalisiwe muhle ngempela njengoba ukhula kakhulu. Kukhona ngisho nezimoto esitokweni esingeke siziphuphe, ngakho-ke kuhle sibheke ukuthi yini ongayikhetha okwamanje nokuthi yimalini.

Ubani ongase abe nentshisekelo ekuqashisweni kwemoto

Izimoto zokubhalisa manje sezitholakala kuwo wonke umuntu. Zingasetshenziswa yizo zombili izinkampani kanye nabantu ngabanye. Ngaphezu kwalokho, eminyakeni yamuva nje, lo mkhuba phakathi kwabantu uye wanda kakhulu. Nokho, kunemibandela ethile. Ngezansi kunezimo zokuqashwa kwabantu ngabanye, kanye nalokho inkampani eqashisayo engase ikudinge kuklayenti.

• kufanele ube ngaphezu kweminyaka eyi-18,
• kufanele ube nekhredithi,
• kufanele ube umuntu oyedwa noma inhlangano esemthethweni,
• kufanele ube nemali engenayo ezinzile ukuze ukhokhele ukubhalisa kwanyanga zonke.

Lezi yizidingo eziyisisekelo futhi ngokuvamile ezihlala njalo zamaklayenti. Kodwa-ke, ukunikezwa kwemoto ngayinye yokubhalisa kungase kube nezidingo zayo ezengeziwe.

Ithini inqubo yokuqashisa isikhathi eside?

Lokhu kulula futhi ezimweni eziningi kungenziwa ku-inthanethi. Kwanele ukuya kuwebhusayithi yomhlinzeki wesevisi, ukhethe imodeli esiyithandayo, bese ucacisa imininingwane ehlobene nemoto, njengezinguqulo zemishini, uhlobo lwenjini, uhlobo lwesondo, njll. Phakathi “nokusetha”, thina futhi ukhethe uhlobo lomshwalense imoto ezoba nayo . Yiqiniso, kufanele kukhunjulwe ukuthi uma imishini engcono kakhulu noma injini enamandla kakhulu esikhethayo, inkokhelo yenyanga yemoto izoba phezulu.

Isinyathelo esilandelayo ukunquma isikhathi sokuqasha esinentshisekelo kuso. Imvamisa izinyanga eziyi-12 yisona sikhathi esincane amaklayenti avame ukusikhetha. Njengoba sishilo engxenyeni yangaphambili yombhalo, imoto yokubhalisa ayidingi umnikelo wayo, kodwa kukhona ithuba elinjalo kulabo abafisayo. Khona-ke izinkokhelo zenyanga zemoto zizoba ngaphansi ngokuhambisanayo.

Isinyathelo sokugcina siwukuqinisekisa zonke izinketho zakho bese uhambisa isicelo sakho. Bese ulinda isinqumo bese uqedile. Lokhu kuyindlela yokuqasha imoto ngesayithi, kodwa kulabo abafisa, yebo, ungakwenza mathupha emnyangweni wesevisi wale nkampani eqashisayo. Kuyaphawuleka ukuthi ngemva kokucutshungulwa kahle kwesicelo sethu, umhlinzeki wesevisi angaletha imoto ekhelini eliboniswe yithi.

Khetha imoto yokubhalisa - naka inkontileka

Njengoba sesivele sikhuluma ngenqubo evamile yokuqashisa isikhathi eside, kuhle ukubalula kancane ngokugcinwa ngokucophelela kwenkontileka esizoyisayina.

Isivumelwano esinjalo ngokuqinisekile sizoqukatha izinhlinzeko ezithile, ukwephulwa kwazo okungase kungajabulisi noma kubize kakhulu kithi. Ngakho-ke, kufanelekile ukubanaka. Ngokuqondene namarekhodi edatha, angase abukeke kanje:

• Izimo ezijwayelekile zokuya phesheya ngemoto eqashwayo - ingqikithi iwukuthi ngaphambi kokuhambela phesheya ngemoto eqashisayo, kufanele sazise umhlinzeki wesevisi ngalokhu. Kuhle ukukhumbula ukuthi inhlawulo yokwephula leli lungiselelo ingaba izinkulungwane ezimbalwa zama-zloty.
  
  
• Izinhlawulo ezihlobene nemisebenzi engafuneki emotweni - lokhu ikakhulukazi ukuthutha izilwane ngemoto, uma kungavunyelwe umhlinzeki wesevisi, noma ukubhema. Uma kunesigatshana esivumelwaneni sokuthi izinto ezinjalo azikwazi ukwenziwa emotweni eqashiwe, futhi ngesikhathi sokuhlolwa lapho ubuyisela imoto kuvela ukuthi zenzeke, khona-ke kufanele sicabangele inhlawulo yemali.
  
  
• Imithetho yokwabelana ngemoto nomunye umshayeli - uma sisayina isivumelwano sokuqasha, sizosebenzisa imoto ngokuzenzakalela. Kodwa-ke, kufanelekile ukuhlola izinhlinzeko ezijwayelekile zomhlinzeki wesevisi yokwabelana ngemoto nabanye abashayeli. Isibonelo, kungase kube nesigatshana esivumelwaneni sokuthi umqashi kanye namalungu omndeni wakhe kuphela abangashayela imoto, futhi ukuyinikeza abantu besithathu kudinga isaziso saleli qiniso kumhlinzeki wesevisi.
  
  
• Izindleko ezengeziwe, okuhlanganisa nomkhawulo wemayela, yinkinga okungafanele ilitshalwe. Ukuqashwa kwezimoto zesikhathi eside kuvamise ukuba nemikhawulo yemayela. Indaba iwukuthi umkhawulo wonyaka wamakhilomitha imoto enikeziwe engawadlula ngaphakathi kwemikhawulo yokubhaliselwe okukhethwe yithi ungacaciswa kunkontileka. Noma yikuphi okweqile komkhawulo kuzofaka izinkokhelo ezengeziwe. Enye inkinga ehlobene nezindleko ezengeziwe kungase kube ukuthi inkampani eqashisayo okukhulunywa ngayo ishiya ilungelo lokushintsha inani lomnikelo ngemva kokusayina inkontileka, kodwa ngaphambi kokunikeza imoto. Lokhu kungase kube ngenxa, isibonelo, ukukhuphuka kwamanani ezimoto.
  
  
• Isabelo sakho esinxephezelweni somonakalo - ngeshwa, kungenzeka ukuthi silindelwe uhambo olungemnandi ngemoto eqashiwe. Iqiniso liwukuthi imoto izoba nomshwalense we-civil liability kanye nomshwalense we-AC, kodwa uma umqashisi eyicala lomcimbi, umhlinzeki wesevisi angase amfune ukuthi abuyisele ingxenye yezindleko ezihambisana nokukhanda imoto. Kungenzeka futhi ukuthi inkontileka izohlanganisa ilungiselelo lokuthi umqashisi ukhokhela izindleko zokushintsha izingxenye ezithile zemoto eziseviswayo.

Imoto eshintshwayo ayiyona yodwa ehlanganisayo

Sekuyisikhathi sokudlulela kochwepheshe bokuqasha imoto. Kukhona okumbalwa okungashiwo, futhi nazi:

• Iqanda noma umnikelo ophansi ongowakho ekupheleni kwenkontileka.
• Ukunakekelwa kwemoto kufakiwe ezinkokhelweni zanyanga zonke (umshwalense, isevisi, amathayi, ngezinye izikhathi imoto eshintshwayo, njll.).
• Ubuncane bezinqubo kanye nethuba lokuqasha imoto ngokushesha.
• Imoto evela emthonjeni othembekile.
• Izinzuzo zezinkampani.
• Enye indlela yabantu abangakwazi ukuthenga imoto entsha.
• Ukukhetha okubanzi kwamamodeli ezimoto.
• Amathuba okukhetha imoto entsha ngemuva kokuphela kwenkontileka.
• Inketho ephephile kunemoto esetshenzisiwe yeminyaka eyishumi.

nabanye. Njengoba ubona, lezi ezinye zezinzuzo zokuqasha imoto ngokubhalisa. Yiqiniso, yonke into ihlobene nezinkinga zomuntu ngamunye, ngakho-ke abanye bazobona izinzuzo eziningi, ezinye ezincane uma kuziwa ekubhaliseleni imoto.

Kodwa-ke, uma kukhona ama-pluses, kufanele kube nama-minuses, futhi nansi:

• Okokuqala, umkhawulo wemayela (imali ekhokhiswayo ngokuweqa).
• Imikhawulo ehlukahlukene ekusetshenzisweni kwemoto.
• Ukwazi ukuthi awunayo imoto.
• Izindleko ezengeziwe zingasebenza.

Njengasendabeni yama-pluses, indlela yomuntu ngamunye nayo ingabalulekile lapha.

Isifinyezo

Ingabe kufanele ngithenge imoto ngokubhalisa? Kuvele ukuthi ezimweni eziningi kuba. Vele ucabangele ukuthi imoto entsha esitolo ibiza malini, futhi kuzokuthatha isikhathi esingakanani ukuyikhokhela, noma ukuthi songe isikhathi esingakanani ukuyithenga. Ukubhalisa ngokuzenzakalela kuyinketho enhle yakho kokubili imoto yenkampani kanye neyomuntu siqu. Ngaphezu kwalokho, inikeza izinzuzo eziningi, kusukela eqinisweni lokuthi singakhetha cishe noma iyiphi imodeli yemoto, kuya kwezingabalulekile kangako, njengokuthatha imoto endaweni ethile.

Uma unentshisekelo ezimotweni zokubhalisa, ungalindi futhi uhlole okunikezwayo manje futhi mhlawumbe uzozitholela inketho!