Amaloli amasha angabiza, nelisha elisha libiza u-$40,000 noma ngaphezulu. Abantu abaningi baphupha ngokuba neloli elisha kodwa badinga usizo lokuthola ukuthi bangakwenza kanjani ukuthenga kufinyeleleke. Ngenhlanhla, izindlela ezimbalwa zingenza intengo ilawuleke.
Okuqukethwe
Izindlela Zokuthenga Iloli Elisha
Enye inketho ukuthenga iloli ngqo. Le ndlela idinga imali eningi kusengaphambili kodwa ngokuvamile iholela ezinkokhelweni eziphansi zanyanga zonke. Enye indlela ukuxhasa iloli ngebhange noma ukuthengisa. Le ndlela ihilela ukukhokha nyanga zonke esikhathini esimisiwe futhi ngokuvamile ingalungiselelwa ukuthi ivumelane nesabelomali somuntu ngamunye.
Ekugcineni, abanye abantu bakhetha ukuqasha iloli esikhundleni sokuyithenga. Le nketho ngokuvamile idinga izinkokhelo eziphansi zanyanga zonke kodwa ayivumeli umnikazi ukuthi enze izinguquko zesikhathi eside emotweni. Zontathu lezi zindlela zinezinzuzo kanye nezinkinga, ngakho kubalulekile ukuhlola ngayinye ngokucophelela ngaphambi kokuthatha isinqumo.
Ukunquma Ukufinyeleleka
Uma usemakethe ye iloli elisha, kubalulekile ukucabangela isabelomali sakho ngaphambi kokwenza noma yiziphi izinqumo. Phela, iloli liwukuthenga okuphawulekayo, futhi ufuna ukugwema ukuzisola komthengi. Ngakho, ungakwazi kanjani ukukhokhela a iloli elisha? Kunezici ezimbalwa ezibalulekile okufanele zicatshangelwe.
Okokuqala, bheka isimo sakho sezimali samanje. Ingabe unazo izikweletu ezisele? Ingakanani imali oyongile? Ingakanani iholo lakho lanyanga zonke? Ukuphendula le mibuzo kuzokunikeza umbono ongcono wesithombe sakho sezezimali sisonke.
Okulandelayo, cabangela izindleko zobunikazi. Ngaphezu kwenani lokuthenga, ezinye izinkokhelo, ezinjengomshwalense, uphethiloli, nokunakekela, kufanele zicatshangelwe. Qiniseka ukuthi ufaka lezi zindleko kubhajethi yakho ngaphambi kokuthenga.
Ekugcineni, cabanga ngezinhlelo zakho zesikhathi eside. Ingabe uhlela ukugcina iloli iminyaka eminingana? Noma ufuna ukuyidayisa ukuze uthole imodeli entsha ngemva kweminyaka embalwa? Impendulo yakho izokusiza ukunquma ukuthi ungakwazi yini ukukhokhela izinkokhelo zanyanga zonke. Ngokuthatha isikhathi sokucabangela isabelomali sakho nesimo sezezimali, ungenza isinqumo unolwazi mayelana nokuthi iloli elisha likulungele yini noma cha.
Kungani Amaloli Amasha Ebiza Kangaka?
Ukuthenga iloli elisha kungaba nzima ngenxa yezinhlobo ezahlukene, ubukhulu, nezici. Esinye sezinqumo zokuqala okufanele zenziwe ukuthi ukuxhasa kanjani ukuthenga. Ungase ufaneleke ukubolekwa imali yemoto ebhange noma inyunyana yezikweletu uma unesikweletu esihle. Nokho, amaloli amasha ayabiza, nenani elijwayelekile leloli elisha lidlula u-$37,000 kanti amanye amamodeli abiza ngaphezu kuka-$60,000.
Ukukhuphuka kwezindleko zezinto zokwakha kanye nomsebenzi kunomthelela emananini aphezulu amaloli. Intengo yensimbi, i-aluminium, nezinye izinsimbi inyukile, futhi abakhiqizi nabo babhekene nezindleko eziphakeme zamasondo nezinto zikagesi. Ngaphezu kwalokho, amaholo ezisebenzi embonini yezimoto abelokhu ekhula, ecindezela abakhiqizi ukuba banyuse amanani. Ukwanda kokuncintisana kwabakhiqizi bezimoto bakwamanye amazwe abafana noToyota noHyundai sekuphoqe abakhiqizi basekhaya abafana noFord noGM ukuthi banyuse amanani ukuze bahlale bencintisana.
Amaloli asethandwa kakhulu eminyakeni yamuva, okwenza amanani enyuke. Kodwa-ke, amaloli amaningi asetshenzisiwe emakethe athengeka kakhulu. Kubalulekile ukwenza ucwaningo olunzulu lapho uthenga iloli eselisebenzile, ubheka ukugqwala, ukulimala kohlaka, nezinye izinkinga ezingase zibize kakhulu ngokuhamba kwesikhathi.
Ingabe Umuntu Omaphakathi Angakwazi Ukukhokhela Imoto Entsha?
Umuntu ojwayelekile angakwazi ukuthenga imoto entsha, kodwa kubalulekile ukukhumbula ukuthi “isilinganiso” sihlobene. Imali engenayo yomndeni emaphakathi e-United States ingaphezudlwana kuka-$50,000, futhi inani elivamile lemoto entsha lilinganiselwa ku-$36,000, okwenza kube ukutshalwa kwezimali okubalulekile.
Ngaphambi kokuthenga imoto entsha, hlola iholo lakho, izikweletu, nezindleko. Uma usunesimo sezimali esicacile, ungabheka izimoto ezihambisana nesabelomali sakho. Cabangela izindleko zobunikazi, kuhlanganise nomshwalense, uphethiloli, nokunakekela, ukuze ubone ukuthi ungakwazi yini ukuthenga imoto entsha.
Ukuze wonge imali ekuthengeni kwakho imoto entsha, xoxisana nomthengisi, sebenzisa izihlinzeko ezikhethekile nezikhuthazo, noma ukhokhele ukuthenga kwakho ngemalimboleko enenzalo ephansi. Imodeli eyisisekelo ingase yanele uma udinga kuphela imoto ohambweni lwezikhathi ezithile.
Isiphetho
Ukuthenga iloli noma imoto entsha kudinga ukucatshangelwa ngokucophelela kwezimali, okuhlanganisa nezindleko zobunikazi. Ucwaningo olunzulu, ukuthenga endaweni yonke, nokuxoxisana kungakusiza uthole okuningi ngemoto entsha elingana nesabelomali sakho. Ngokubekezela nomzamo omncane, ungenza isinqumo sezezimali esihlakaniphile oyojabula ngaso iminyaka eminingi ezayo.
