Anthu omwe adabwereka galimoto mliriwu usanachitike atha kugula galimotoyo pamtengo wotsika kwambiri kuposa mtengo womwe ulipo pamsika kumapeto kwa kubwereketsa.
Mitengo yamagalimoto ikupitilira kukwera. Koma pali gulu la anthu omwe amathabe kuchotsera - omwe adabwereka galimoto mliri usanachitike, amatha kusankha kugula kumapeto kwa kubwereketsa.
"Anthu apeza phindu pakubwereketsa kwawo," atero a Ivan Drury, manejala wamkulu wa Insights ku Edmunds, tsamba lamagalimoto.
Ofufuza zamagalimoto amati izi sizikhala choncho nthawi zonse. Koma msika wamagalimoto omwe amagwiritsidwa ntchito movutikira chifukwa cha mliriwu wabweza kuchuluka kwa ogula omwe adasaina zobwereketsa zaka ziwiri kapena zitatu zapitazo.
Kuperewera kwa tchipisi ta makompyuta komwe kumafunikira pakupanga ndi kufunikira kwakukulu kwapangitsa kuti pakhale kusakwanira kwa zitsanzo zatsopano ndi zakale komanso mitengo yokwera. Malinga ndi lipoti lapakati pa chaka la American Automobile Dealers Association, mitengo yapakati yamagalimoto atsopano idaposa US $ 40,000 koyamba mu 2021, ndipo mtengo wapakati wamagalimoto ogwiritsidwa ntchito unafika pafupifupi US $ 25,000.
Brian Moody, mkonzi wamkulu wa Autotrader, msika wamagalimoto pa intaneti, adati: "Ino ndi nthawi yapaderadera chifukwa chakuchulukirachulukira komanso kuchepa kwa zinthu."
Ogula amapeza kuti zakhala zovuta kupeza galimoto yomwe akufuna pamtengo womwe akufuna kulipira. Koma anthu amene lendi yawo yatsala pang’ono kutha angapeze kuti atha kugula galimoto yomwe ali nayo kale pamtengo wotchipa.
ndichoncho chifukwa chiyani. Ndi kubwereketsa, madalaivala amabwereka galimoto kwa nthawi yoikika - sadzakhala ndi galimotoyo pakatha nthawi yobwereka, monga momwe amachitira pobweza ngongole yamagalimoto achikhalidwe. Koma mgwirizano wobwereketsa nthawi zambiri umaphatikizapo kusankha kugula galimotoyo pamtengo wokonzedweratu kumapeto kwa kubwereketsa-nthawi zambiri zaka ziwiri kapena zitatu pambuyo pake. Kuti apeze mtengo wogula, wogulitsa adagwiritsa ntchito njira yoyerekeza kuchuluka kwa kuchepa kwa mtengo wagalimoto panthawi yobwereketsa. Koma chifukwa mtengo wamagalimoto ogwiritsidwa ntchito wakwera mwachangu kwambiri, zinthu zambiri zogulira zomwe zidakhazikitsidwa chaka cha 2020 chisanachitike zitha kukhala zotsika kuposa mtengo wamsika wapano.
Wolemba magalimoto a Consumer Reports a Benjamin Preston anati: “Ubwino wake tsopano ndi wakuti mawuwa anawerengedwa mliriwu usanachitike, pamene magalimoto ogwiritsidwa ntchito ankagulitsidwa pamitengo yotsika.”
Malinga ndi data yachiwiri ya Experian, magalimoto atsopano ambiri amaperekedwa ndi ngongole, koma pafupifupi kotala amabwerekedwa. Kubwereketsa nthawi zambiri kumakhala kotchuka ndi madalaivala omwe akufuna kulipira ndalama zochepa pamwezi kapena amakonda galimoto yatsopano yokhala ndi zida zaposachedwa. Malinga ndi data ya Experian, kusiyana kwapakati pakati pa kulipira ngongole ndi kubweza kwa magalimoto atsopano otchuka mgawo lachiwiri kunali US $ 109. Mwachitsanzo, malipiro apakati pamwezi a Honda Civic ndi $418, pomwe kubwereketsa ndi $309. Kwa Toyota Highlander, malipiro apakati a ngongole ndi $633, pamene kubwereketsa ndi $493.
Kwa madalaivala omwe ali ndi zobwereketsa, kusiyana pakati pa mtengo woyerekeza ndi mtengo wamakono wamsika ukhoza kukhala waukulu. Malo osaka magalimoto a iSeeCars posachedwapa anayerekezera mitengo yamakono yamagalimoto azaka zitatu ndi mtengo woyerekeza wogula wamitundu yatsopano yomwe idabwerekedwa mu 2018 ndipo idapeza kuti mtengo wapakati wamagalimoto ukhoza kukhala wokwera 36% kuposa mtengo womwe unkaganiziridwa poyambira kubwereketsa.
Kwa zitsanzo zina, kusiyana kungakhale kokulirapo. Mwachitsanzo, msika wamakono wa Volkswagen Tiguan ukhoza kukhala US $9,800 kuposa momwe zinanenedweratu zaka zitatu zapitazo-kuwonjezeka kwa 69%. Malinga ndi iSeeCars, mtengo wa Nissan Versa wophatikizika kwambiri wakwera ndi $4,300, kapena kuposa 50%. Kusanthulaku kumatengera nkhokwe yomwe ili ndi pafupifupi 10 miliyoni yamagalimoto atsopano komanso ogwiritsidwa ntchito.
Choncho, ngati mumakonda galimoto yanu ndipo ili bwino, zingakhale zomveka kugula kumapeto kwa kubwereketsa. Karl Brauer, wofufuza wamkulu pa iSeeCars, adati: "Muyenera kusamala kwambiri pogula galimoto m'malo moibweza."
Ogula akuchita izi mochulukira. A Daniel Berce, wamkulu wa GM Financial, gawo lazachuma la General Motors, adati pamsonkhano wamalonda mu Ogasiti kuti 89% yamakasitomala obwereketsa adagula galimoto kumapeto kwa gawo lachiwiri la chaka chino. Zinali pafupifupi 20% chaka chapitacho.
Mukhozanso kugula galimoto ndikugulitsanso nokha kuti mupange phindu. Koma mungafunike kulipira msonkho wamalonda, ndipo pali vuto lina: ngati mukufuna galimoto ina, zingakhale zovuta kuti mupeze galimoto yomwe mumakonda pamtengo womwe mukuganiza kuti ndi wololera.
Bambo Drury a ku Edmunds ananena kuti njira ina ingakhale yogwiritsira ntchito “equity” mu lendi—kusiyana kwa mtengo wamtengo wapatali wa msika ndi mtengo wogulira—kuti achepetse mtengo wobwereketsa galimoto yatsopano. M'malo mwake, mumagulitsa lendi kwa wogulitsa, ndipo wogulitsa amawerengera ndalamazi pagalimoto yanu yatsopano yobwereketsa.
Jeff Perlman, mlangizi wodziyimira pawokha pagulu ku Los Angeles, adati amakonda kuyendetsa galimoto yatsopano ndipo adatha kusintha ndalama zake mu sedan yamasewera apamwamba a 2019 Genesis G70 yomwe adabwereka kuti abwereke Galimoto yodula, yokonzedwanso ya 2022. Ananena kuti sayenera kusunga ndalama, ndipo amangolipira $38 pamwezi. Iye anati: “Ndine wosangalala kwambiri.
Bambo Drury adanena kuti vuto limodzi lotheka ndi njira iyi ndikuti ogulitsa ena ndi makampani azachuma sangakulole kuti mugulitse zobwereketsa kuzinthu zopikisana, zomwe zingachepetse kusankha kwanu magalimoto atsopano.
Onani zikalata zanu zobwereketsa. Mtengo wogula - kapena njira yowerengera - nthawi zambiri imaphatikizidwa mu ndimeyi. (Ikhoza kutchedwa mtengo wa "kugula".) Kenako gwiritsani ntchito Kelly Blue Book, TrueCar ndi Edmunds kapena Carvana ndi CarMax ndi ogulitsa ena kuti mufufuze pa intaneti kuti muwone mitengo yomwe ikufunsidwa ya magalimoto ogwiritsidwa ntchito ofanana. Bambo Brauer adanena kuti ngati mtengo wogula uli wotsika kuposa mtengo wa msika, izi zikhoza kukhala zomveka.
Kulipira ndalama ndi njira yotsika mtengo kwambiri chifukwa simuyenera kulipira chiwongola dzanja. Komabe, ngati mupereka ndalama zogulira, pitirizani ngati kuti mukuyang'ana galimoto kuyambira pachiyambi. Wolemba za Consumer Reports Ryan Felton posachedwapa adafufuza zakusintha kwa chiwongola dzanja chomwe amabwereketsa omwe ali ndi mbiri yofananira yangongole. Ananenanso kuti musanapite kwa ogulitsa, pezani chivomerezo cha ngongole kubanki kapena ngongole. , Kuti mufananize mawu a ndalama za ogulitsa. "Njira yabwino ndiyo kugula zinthu," adatero. Ndipo yang'anirani ndalama zonse, iye anati, osati malipiro a mwezi uliwonse.
Deta ya Experian ikuwonetsa kuti chiwongola dzanja cha ngongole zamagalimoto ogwiritsidwa ntchito mgawo lachiwiri chinali 8.66%.
Nthawi yotumiza: Dec-08-2021
