Kubantu abathile, inyathelo lokuthenga imoto liba yimfuneko, ekubeni kulo mba, ukongiwa kwexesha kunokuthandwa ngokuphathelele ukuhamba ukusuka kwindawo ethile ukuya kwenye, xa isixeko singaxinani kakhulu. Ngaphandle koku kungasentla, ikwasebenza kulonwabo olusempilweni malunga neeholide.
Thenga imoto
Kuyinto esebenzayo kwaye kulula ukucinga kwaye wenze isigqibo sokuthenga imoto. Nangona kunjalo, ngexesha lokuhlawula olwenzelwe ukufunyanwa kwento efanayo, yomelele kakhulu, ngakumbi xa intsha.
Kuyo nayiphi na imeko, kulungile ukuba ubonise ukuba oku akuthethi ukuba sisizathu se-alam kwaye ngakumbi ukuba unogcino kunye nesicwangciso sexesha sohlobo lwangaphambili, ngoko unokuthenga isithuthi esifanelana nomsebenzisi. iimfuno zomntu.
Kweli nqaku, siya kunika iingcebiso ukuba zibe luncedo kwaye zibe luncedo malunga neengcali zokulondoloza ngokumalunga nezithuthi, kwaye phakathi kwazo sinokukhankanya:
- Njengenqaku lokuqala, kuya kufuneka ukuba ugcine engqondweni isamba okanye imali eya kuhlawulwa imizuzwana ngaphambi nangemva kokuthengwa kwemoto ngokwayo.
Ngokuphathelele oku kukhankanywe ngasentla, kufuneka kucace ukuba xa sinesidingo sokuthenga imoto kwaye siyibona njengemoto yamaphupha, kuyimfuneko ukukhumbula ukuba kungekhona nje ukuba intlawulo yenyanga kufuneka ihlawulwe, kodwa kunye neenkqubo, amafutha kunye nokugcinwa okufanelekileyo.
Umzekelo woku kuxa isithuthi siza kuthengwa ngendlela yemali, intlawulo ephantsi kuya kufuneka ihlawulwe, idla ngokuba ziipesenti ezingamashumi amabini ngokweendleko zeyunithi iyonke, ngaphandle kwekomishini echaphazelekayo yokuvula kunye neyokuvula. eminye iminikelo kunye neentlawulo, ezifana:
- Uqinisekiso olufanelekileyo kufuneka lwenziwe rhoqo emva kweenyanga ezintandathu kwaye iindleko ziya kuba malunga namakhulu amahlanu anamashumi amahlanu eepesos, nangona kunjalo oku kungaguquguquka ngokweziko sikulo.
- Ubunini kunye nokuqinisekiswa kwesithuthi, njengoko kunjalo.
- Ipetroli: iindleko ezifanayo ngenyanga zingamawaka amabini eepesos okanye ngaphezulu, kwaye ziya kwahluka ngokumalunga nokusetyenziswa okunikwa isithuthi esifanelekileyo.
- Ukugcinwa kwexabiso elimalunga namawaka amathathu namakhulu amahlanu eepesos, okufanayo kuya kwenziwa kwaye kuya kuxhomekeka kwincwadana yomenzi.
- Ukupaka: ixabiso linokuba liwaka leepesos ngenyanga.
- Iintlawulo zezehlo: malunga noku, ezinye izesekeli ezifana namatayara, ibhetri, utshintsho lweoyile, ukulungiswa, i-antifreeze, phakathi kwezinye ezininzi, kubhekiswa kuzo.
- I-inshurensi yemoto: iindleko zokurhoxisa zingahluka ngokumalunga nezithuthi ezahlukeneyo kunye nomqhubi.
Xa ukhetha i-coverage epheleleyo ngakumbi, njenge-Comprehensive, ungagcina ngaphezu kweepesenti ezingamashumi amane ukuba usebenzisa isixhobo esenzelwe ukukunceda uthelekise iinkcukacha kunye nokugubungela iinkampani ze-inshurensi, ezifana es ., ngale nkqubo yonke into iba ikhuselekile kwaye ikhululekile.
Kufuneka kuthathelwe ingqalelo xa ukuthenga imoto, isixa-mali senyanga esiveliswayo kwaye asifanele sibe ngaphezu kwesiqingatha semali eyenziwe ngumthengi, oku kungenxa yokuba isizukulwana seendleko esele sichazile ngaphambili kuya kufuneka kusonjululwe, yaye oku kuya kubangela ukuba imali ilunge kakhulu. xa uhlawula intlawulo yenyanga yemoto exeliweyo kunye neentlawulo esele zikhankanyiwe.
Njengokhetho lokukwazi ukubona yonke into ngokucacileyo kunye neenkcukacha, kukuzaliseka kwesicwangciso sokulondoloza ngaphambi nangemva kokufunyanwa kwemoto.
Isicwangciso sokulondoloza kufuneka senziwe
Njengengcebiso kubasebenzisi, kufuneka benze uluhlu lwazo zonke iindleko abanazo kwaye kuluhlu olukhankanyiweyo lubandakanya iindleko zokuzonwabisa, ezothutho kunye nezo zinokuba zincinci. Emva koko, inzuzo yenyanga iya kuqwalaselwa kwaye xa ubeka imali kunye, kuya kufuneka ukuba kuhlaziywe ukuba kunokwenzeka ukugcina xa uthenga imoto entsha okanye esetyenzisiweyo.
Ngendlela efanayo, kuya kufuneka kuqwalaselwe indlela iyunithi ehlawulwa ngayo: ngemali, ngemali okanye ngokuqeshisa. Ngokubhekiselele kwezi zimbini zokugqibela, eyona nto ithandwa kakhulu kwaye inika iikhomishini ezincinci kunye nezibonelelo zentlawulo kufuneka zithelekiswe phakathi kwee-arhente ezininzi.
Indlela yokuqeshisa yenye indlela yokuqeshisa ezithi izibonelelo zincede ukuba nethuba lokuba nemoto isithuba esingangeminyaka emibini, kwaye emva kwelo xesha, ube nokukhetha ukuyifumana okanye uthenge enye. Ngokunjalo, iinkampani ezininzi ziphethe umsebenzi wokulungisa amaphepha kunye nokucinywa kweminikelo, kunye nesigqibo se-inshurensi.
Kwimeko yalo naluphi na uhlobo lwamathandabuzo okanye inkxalabo ngendlela yokonga imoto, kufuneka sithathe itekhnoloji ibe yinzuzo kuthi kwaye sisebenzise izicelo zokonga.
Umzekelo wale nto yi-App-type application ebizwa ngokuba yiFinerio, ebonelela ngoncedo ekubaleni amandla okugcina imali, ukuseka uhlahlo lwabiwo-mali kunye nokulawula iimali, ekubeni idibanisa nee-akhawunti zebhanki ngokwazo.
Ngoko ke, ichaza iinketho zengeniso kunye neendleko ngokumalunga: xa kuthengwa iimpahla, kuya kufuneka ukuba ubhalise kulo naluphi na udidi, kwaye i-App ibonisa into oyithengayo ukuze ungaphumi kwibhajethi.
https://www.youtube.com/watch?v=5U02gliefp4
Kwaye xa ufuna ukwazi ukuba iindleko kufuneka zibe yintoni, kuya kufuneka wazi i-calculator yohlahlo lwabiwo-mali olufanelekileyo kwaye ngale ndlela uzuze ukuthengwa kwesithuthi esifunwayo.
Imoto kufuneka ikhethwe ngokweemfuno zomntu
Nje ukuba isicwangciso sokulondoloza senziwe, kuya kwenzeka ukuba ube nombono wesithuthi esilungele iimfuno zomntu kunye nezoqoqosho, ngokutsho kwebrendi, imodeli, kuba ezi zinefuthe ekukhuliseni okanye hayi. ixabiso lesithuthi.
Ngokomzekelo, sinokuthi xa uthelekisa imoto engavelisi iindleko zepetroli kunye nokubonelela ngokulondolozwa kwentlawulo yepetroli okanye ukhetho lwe-hybrid okanye umbane, nangona kunjalo, ziba zibiza kakhulu.
Ngendlela efanayo, kuya kufuneka sithathele ingqalelo ubukhulu bentsapho okanye amalungu, kwaye ukusetyenziswa okuya kunikwa isithuthi kunye nezixhobo ezinxulumene nokhuseleko lwesithuthi kufuneka kuthathelwe ingqalelo.
Ukuba sele unokucaca ngakumbi malunga nento oyifunayo kwimoto, unokwenza ukhetho ngokukhawuleza kwaye wenze ukonga ngendlela eqaphela ngakumbi ngexesha lokuthenga.
Sakuba sikhethiwe, umhla ekufunyenwe ngawo isithuthi kuya kufuneka ukuba uqwalaselwe, ngokunxulumene nemihla, siqhubela phambili ekumiseleni amanqaku athile abaluleke kakhulu ngokunxulumene nesifundo esikhankanyiweyo.
Imihla efanelekileyo yokuthenga imoto
Izaphulelo zinikezelwa ekupheleni konyaka obizwa ngokuba yi-El Buen Fin, ezi zaphulelo zinikezelwa ngabavelisi kwaye bona ngokwabo banikezela ngezaphulelo ezithandekayo ngenjongo yokufumana imoto, ngaphandle koko kunokwenzeka ukuba uluhlu lwe-arhente ethile ihlaziywe, yiyo loo nto iimodeli ezisalela ngasemva, ziya kuthi ziveze izibonelelo ezinomtsalane zokuzifumana.
Oku ngasentla ngendlela efanayo kungasetyenziswa kwiinguqu kwinguqu yeemoto, xa unolwazi oluvela kwiindaba zehlabathi leemoto kunye nokukhutshwa okutsha kwaziwa ngokugqibeleleyo, kufuneka ujonge ukufumana amathuba aphantsi. ixabiso ukusuka kwiimoto zesizukulwana esidala ukuya kwezo ziza kubetha emarikeni.
Ekupheleni kwenyanga nganye, kuya kufuneka kuthathelwe ingqalelo ukuba abathengisi baya kuba bejonge ukufikelela kwiinjongo zeekomishini, kwaye kulo mba baya kwenza izaphulelo ngokwexabiso leemodeli zezithuthi kunye ne oku kuya kubakho ithuba elingakumbi lokuthethathethana ngesixa esincinci sesithuthi.
Ngendlela efanayo, kuthiwa iimoto zezemidlalo zidla ngokungabizi kakhulu ngamaxesha emvula okanye eengqele, yaye izithuthi zentsapho zidla ngokubiza kakhulu ngamaxesha eeholide kuba iintsapho zizisebenzisa xa kuhanjwa.
Nangona kunjalo, sikholelwa ukuba oku kuya kuxhasa isicatshulwa kwii-arhente ezahlukeneyo okanye kwi-intanethi, kuba kukho amaqonga anceda ekuthelekiseni phakathi kweemoto ezininzi. Ngendlela efanayo, kumaphepha e-intanethi, unokufumana abantu abafuna ukuthengisa imoto yabo, kwaye kuyafaneleka ukuba uqaphele ukuba nokuba ngabanini ngaphambili, abanye babo banokuba kwimeko ebalaseleyo.
Thethana nomthengisi
Ukuba kuthe kwakhethwa imoto esele isetyenzisiwe, kuya kuba yimfuneko ukuba kujongwe iyunithi kwaye kuqhutywe uvavanyo lokuqhuba ngokufanelekileyo, xa ikhatshwa ngabasebenzi abaziingcali abafana nomkhandi, isigqibo siya kwenziwa ngokukhuselekileyo. kwaye inokuthenjwa.
Emva kokuba ingaphandle kunye nengaphakathi lemoto ihlolwe, ezinye iimpazamo zinokujongwa, kwaye ukuba azikho nzulu kangako, kuya kuba lula kakhulu ukuthetha ngeendleko okanye ixabiso.
Ngokufanayo, kuya kufuneka kuqinisekiswe ukuba onke amaphepha alungelelene, ukuba kukho naziphi na ezilahlekileyo, kuya kufaneleka ukucela isaphulelo kuba oku kuya kuthwalwa ngumsebenzisi ngokwakhe, kwaye oku, ngaphandle kokubangela ukuba imali ilahleke, kuya kuthetha ukuba nokuchitha ixesha.
Ukuba unemoto, ukhetho olulungileyo luya kuba kukuyithengisa, kwaye ngalo msebenzi unokuhlawula intlawulo ephantsi kunye nezinye iindleko ezibandakanya ukufunyanwa kwesithuthi esitsha. Kufuneka ugcine engqondweni into yokuba ukuze isithuthi esixeliweyo sigcinwe sikwimeko efanelekileyo kwaye ngokuthobela ingcebiso yokhuseleko efana nokuthengisa kwindawo kawonke-wonke kunye nokujongana neetshekhi ngazo zonke iindlela.
Ngale ndlela siye sakwazi ukubona ezinye iingcebiso zokuthenga imoto, kwaye kuhle ukuba bekhona ngokupheleleyo xa beqhuba ukusebenza kwesithuthi, ekubeni ngala macebiso ukhetho lokufumana izaphulelo lunokuveliswa, ngaphandle kokuba ucetyiswe ngokufanelekileyo ziingcali kwintsimi.
Sicebisa umfundi ukuba ajonge kwakhona:
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