Iilori ezintsha zinokubiza, yaye entsha kraca ixabisa ii-$40,000 okanye ngaphezulu. Abantu abaninzi baphupha ngokuba nelori entsha kodwa bafuna uncedo lokufumana indlela yokuthenga okufikelelekayo. Ngethamsanqa, iindlela ezimbalwa zinokwenza ixabiso lilawuleke ngakumbi.
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Iindlela zokuhlawula iLori eNtsha
Enye inketho kukuthenga ilori ngqo. Le ndlela ifuna imali eninzi ngaphambili kodwa ihlala ikhokelela kwiintlawulo eziphantsi zenyanga. Enye inketho kukuxhasa ngemali ilori ngebhanki okanye ukuthengisa. Le ndlela yokusebenza ibandakanya ukwenza iintlawulo zenyanga ngexesha elibekiweyo kwaye kaninzi inokulungiswa ukuze ilingane nohlahlo lwabiwo-mali lomntu.
Ekugqibeleni, abanye abantu bakhetha qesha ilori endaweni yokuthenga. Olu khetho lufuna iintlawulo eziphantsi zenyanga kodwa aluvumeli umnini ukuba enze naluphi na utshintsho lwexesha elide kwisithuthi. Zontathu ezi ndlela zineengenelo nezingeloncedo, ngoko ke kubalulekile ukuyihlolisisa ngenyameko nganye ngaphambi kokuba wenze isigqibo.
Ukumisela Ukufikeleleka
Ukuba ukwintengiso ye ilori entsha, kubalulekile ukuqwalasela uqingqo-mali lwakho ngaphambi kokuba wenze naziphi na izigqibo. Emva kwayo yonke loo nto, ilori iyintengo ebalulekileyo, kwaye ufuna ukuphepha ukuzisola komthengi. Ke, ungayenza njani i-a ilori entsha? Kukho izinto ezimbalwa ezibalulekileyo ekufuneka ziqwalaselwe.
Okokuqala, jonga imeko yakho yemali ngoku. Ingaba unawo nawaphi na amatyala ongekahlawulwa? Yimalini oyigcinileyo? Uthini umvuzo wakho wenyanga? Ukuphendula le mibuzo kuya kukunika umbono ongcono womfanekiso wakho wemali uwonke.
Okulandelayo, qwalasela iindleko zobunini. Ukongezelela kwixabiso elithengiweyo, kufuneka kuqwalaselwe eminye imirhumo, njengeinshorensi, amafutha emoto, nokunyamekela. Qinisekisa ukuba ubeka ezi ndleko kuhlahlo lwabiwo-mali lwakho ngaphambi kokuba uthenge.
Okokugqibela, cinga ngezicwangciso zakho zexesha elide. Ngaba uceba ukugcina ilori iminyaka emininzi? Okanye ngaba ufuna ukuyithengisa ngemodeli entsha emva kweminyaka embalwa? Impendulo yakho iya kunceda ukufumanisa ukuba ungakwazi na ukuhlawula iintlawulo zenyanga. Ngokuthatha ixesha lokuqwalasela uhlahlo lwabiwo-mali kunye nemeko yezemali, unokwenza isigqibo esinolwazi malunga nokuba ilori entsha ikulungele na.
Kutheni Ilori Ezintsha Zixabisa Kangaka?
Ukuthenga ilori entsha kunokuba nzima ngenxa yeentlobo ezahlukeneyo, ubukhulu, kunye neempawu. Esinye sezigqibo zokuqala ekufuneka zenziwe yindlela yokufumana imali yokuthenga. Ungakufanelekela ukubolekwa imali ebhankini okanye kwimanyano yetyala ukuba unetyala elihle. Nangona kunjalo, iilori ezintsha zibiza kakhulu, ngexabiso eliqhelekileyo lelori entsha engaphezulu kwe-$ 37,000 kunye nezinye iimodeli zibiza ngaphezu kwe-$ 60,000.
Ukunyuka kweendleko zempahla kunye nabasebenzi kunegalelo kwixabiso eliphezulu lelori. Ixabiso lentsimbi, i-aluminiyam, kunye nezinye iintsimbi linyukile, kwaye abavelisi bajongene neendleko eziphezulu zamatayara kunye ne-electronics. Ngaphezu koko, imivuzo yabasebenzi kwishishini leemoto iye yakhula, nto leyo enyanzela abavelisi ukuba banyuse amaxabiso. Ukhuphiswano olwandisiweyo oluvela kubenzi beemoto bamazwe angaphandle njengeToyota kunye neHyundai kuye kwanyanzela abavelisi basekhaya abafana neFord kunye neGM ukuba banyuse amaxabiso ukuze bahlale bekhuphisana.
Iilori ziye zanda kakhulu kwiminyaka yakutshanje, nto leyo ebangela ukuba amaxabiso anyuke. Nangona kunjalo, iilori ezininzi ezisetyenzisiweyo kwimarike zifikeleleka ngakumbi. Kubalulekile ukwenza uphando olucokisekileyo xa uthengela ilori esele isetyenzisiwe, ukujonga umhlwa, ukonakala kwefreyimu, kunye nezinye iingxaki ezinokubiza ngaphezulu kwexesha elide.
Ngaba uMntu ophakathi angayifumana iMoto eNtsha?
Umntu oqhelekileyo unako ukuthenga imoto entsha, kodwa kubalulekile ukukhumbula ukuba "umyinge" unxulumene. Ingeniso yekhaya eliphakathi e-United States ingaphezulu nje kweedola ezingama-50,000, kwaye ixabiso eliqhelekileyo lemoto entsha limalunga ne-36,000 yeedola, nto leyo eyenza ibe lutyalo-mali olubalulekileyo lwemali.
Ngaphambi kokuba uthenge imoto entsha, hlola umvuzo wakho, amatyala kunye neendleko. Emva kokuba unemeko yemali ecacileyo, unokukhangela izithuthi ezihambelana nohlahlo lwabiwo-mali lwakho. Qwalasela iindleko zokuba ngumninimzi, kuquka i-inshorensi, amafutha ezithuthi, nokuyilungisa, ukuze ubone enoba ungakwazi kusini na ukuthenga imoto entsha.
Ukugcina imali ekuthengeni imoto entsha, thethana nomthengisi, sebenzisa izibonelelo ezikhethekileyo kunye nenkuthazo, okanye uxhase ukuthenga kwakho ngemali mboleko enenzala ephantsi. Imodeli esisiseko ngakumbi inokwanela ukuba ufuna kuphela imoto kwiihambo zamathuba athile.
isiphelo
Ukuthenga ilori entsha okanye imoto kufuna ukuba kuqwalaselwe ngenyameko imali, kuquka neendleko zobunini. Uphando olunzulu, ukuthenga ngeenxa zonke, kunye nothethathethwano lunokukunceda ukuba ufumane into eninzi kwisithuthi esitsha esilingana nohlahlo lwabiwo-mali lwakho. Ngomonde kunye nomzamo omncinci, unokwenza isigqibo semali esilumkileyo oya konwaba ngaso kwiminyaka ezayo.
