Vanhu vakahaya mota denda risati rasvika vanogona kutenga mota nemutengo wakaderera kupfuura mutengo uripo wemusika pakupera kwekurenda.
Mitengo yemotokari inoramba ichikwira. Asi pane chikamu chevanhu vanogona vachiri kukwanisa kuwana mutero-avo vakahaya mota denda risati rasvika, vanogona kusarudza kutenga pakupera kwekurenda.
"Vanhu vachawana kukosha kwakanaka mukurenda kwavo," akadaro Ivan Drury, maneja mukuru weInsights kuEdmunds, webhusaiti yemotokari.
Vanoongorora nezvemotokari vanoti izvi handizvo zvinogara zvakadaro. Asi musika wemotokari wakashandiswa wakakonzerwa nedenda wadzosera huwandu hwevatengi vakasaina marendi makore maviri kana matatu apfuura.
Kushaikwa kwemachipisi emakombuta anodiwa pakugadzira uye kudiwa kwakasimba kwakakonzera kusakwana kwemhando nyowani nedzakare uye mitengo yakakwira. Sekureva kwemushumo wepakati pegore weAmerican Automobile Dealers Association, mutengo wepakati wekutengesa wemotokari nyowani wakapfuura US $ 40,000 kekutanga muna 2021, uye avhareji mutengo wemotokari dzakashandiswa wakasvika madhora zviuru makumi maviri nezvishanu zvemadhora.
Brian Moody, mupepeti mukuru we Autotrader, musika wemotokari wepamhepo, akati: "Ino inguva yakasarudzika nekuda kwekuwedzera kudiwa uye kuderedzwa kwekutengesa."
Vatengi vanoona zvave kunetsa kuwana mota yavanoda nemutengo wavanenge vachida kubhadhara. Asi vanhu vane marendi avo ava kuda kupera vanogona kuona kuti vanokwanisa kutenga motokari yavanotova nayo nemutengo wakaderera.
sei zvakadaro. Nekurenda, vatyairi vanozohaya mota kwenguva yakatarwa-havazongove vane mota yacho pachapera nguva yekurenda, sezvavaizoita kana vachibhadhara chikwereti chemotokari yechinyakare. Asi chibvumirano chekurenda chinowanzo sanganisira sarudzo yekutenga mota nemutengo wakatemwa pakupera kwekurenda-kazhinji makore maviri kana matatu gare gare. Kuti asvike pamutengo wekutenga, mutengesi akashandisa fomula yekufungidzira kuwanda kwekuderera kwemotokari panguva yekurenda. Asi nekuti mutengo wemotokari dzakashandiswa wakakwira nekukurumidza, mazhinji ematengo ekutenga akaiswa pamberi pa2020 anogona kunge akaderera pane yazvino mutengo wemusika.
Munyori wemotokari weConsumer Reports Benjamin Preston akati: "Chakanakira parizvino ndechekuti mazwi aya akaverengerwa denda risati rasvika, apo mota dzaishandiswa dzaitengeswa nemitengo yakaderera."
Zvinoenderana nedata rechipiri reExperian, kutengwa kwemota kutsva kunopihwa mari kuburikidza nezvikwereti, asi chikamu chimwe chete muzvina chakarenda. Leasing inowanzofarirwa nevatyairi vanoshuvira kubhadhara mari yakaderera pamwedzi kana kusarudza mota nyowani ine zvichangobva kuitika. Zvinoenderana nedata reExperian, musiyano wepakati pakati pekubhadhara chikwereti uye kubhadhara kwerenti yemotokari itsva dzakakurumbira mukota yechipiri yaive US$109. Semuenzaniso, avhareji yemwedzi yekubhadhara chikwereti cheHonda Civic imadhora mazana mana negumi nesere, ukuwo iyo yekurenda iri $309. Kune Toyota Highlander, avhareji kubhadhara chikwereti $633, nepo rendi iri $493.
Kune vatyairi vane marendi, mukaha uripo pakati pemutengo unofungidzirwa uye mutengo wemusika uripo unogona kunge wakakura. Nzvimbo yekutsvaga motokari iSeeCars munguva pfupi yapfuura yakaenzanisa mitengo yemazuva ano yemotokari dzemakore matatu nehuwandu hunofungidzirwa hwekutora kwemhando itsva dzakabhadharwa muna 2018 uye yakaona kuti muvhareji wemotokari inogona kunge iri 36% yakakwirira kudarika kukosha kunofungidzirwa pakutanga kwekurenda.
Kune mamwe mamodheru, gaka rinogona kunge rakakura. Semuenzaniso, kukosha kwemusika weVolkswagen Tiguan kwazvino kungave US$9,800 yakakwira pane zvakafanotaurwa makore matatu apfuura-kuwedzera kwe69%. Sekureva kweiSeeCars, kukosha kweiyo Ultra-compact Nissan Versa kwakawedzera neinopfuura US $ 4,300, kana kupfuura makumi mashanu%. Ongororo iyi yakavakirwa padhatabhesi rine angangoita mamirioni gumi matsva uye akashandiswa mazita emotokari.
Naizvozvo, kana iwe uchida mota yako uye iri mumamiriro akanaka, zvingave zvine musoro kuitenga pakupera kwekurenda. Karl Brauer, muongorori mukuru kuSeeCars, akati: "Unofanira kungwarira kutenga mota pane kuidzosera."
Vatengi vari kuita izvi zvakanyanya uye zvakanyanya. Daniel Berce, mukuru mukuru weGM Financial, chikamu chezvemari cheGeneral Motors, akataura pamusangano wevatengesi muna Nyamavhuvhu kuti 89% yevatengi vekurenda vakatenga mota pakupera kwekurenda muchikamu chechipiri chegore rino. Yakanga iri 20% gore rapfuura.
Unogonawo kutenga mota wozvitengesa wega kuti uwane purofiti. Asi iwe unogona kubhadhara mutero wekutengesa, uye pane rimwe dambudziko: kana iwe uchida imwe motokari, zvingasava nyore kwauri kuti uwane motokari yaunoda pamutengo waunofunga kuti unonzwisisika.
VaDrury veEdmunds vakati imwe nzira ingava yokushandisa “equity” muchibvumirano—musiyano uri pakati pekukosheswa kwazvino uno pamusika nemutengo wokutenga—kuderedza mutengo wokurenda motokari itsva. Chaizvoizvo, iwe unotengesa chibvumirano kune mutengesi, uye mutengesi anoverenga iyi mari mumotokari yako nyowani yekurenda.
Jeff Perlman, chipangamazano akazvimiririra wehukama neveruzhinji muLos Angeles, akati anofarira kutyaira mota nyowani uye akakwanisa kushandura kuenzana kwake mu2019 yemitambo yemhando yepamusoro sedan Genesis G70 yaakahaya kuti ahaye mota inodhura, yakagadziridzwa 2022. Akataura kuti haafanire kuchengetedza mari, uye anongobhadhara imwe $38 pamwedzi. “Ndinofara zvikuru,” akadaro.
VaDrury vakati rimwe dambudziko rinogona kuitika nenzira iyi nderekuti vamwe vatengesi nemakambani emari vangasakubvumidza kutengesa marendi kumhando dzinokwikwidza, izvo zvinogona kuderedza sarudzo yako yemotokari nyowani.
Tarisa magwaro ako ekurenda. Mutengo wekutenga - kana fomula yekuiverenga - inowanzobatanidzwa muchikamu. (Inogona kunzi "kutenga sarudzo" mutengo.) Zvadaro shandisa Kelly Blue Book, TrueCar naEdmunds kana Carvana neCarMax nevamwe vatengesi kutsvaga paIndaneti kuti vaone ikozvino kubvunza mitengo yemotokari dzakashandiswa dzakafanana. VaBrauer vakati kana mutengo wekutenga wakaderera pane mutengo wemusika, izvi zvinogona kuve zvine musoro.
Kubhadhara nemari ndiyo yakachipa sarudzo nekuti haufanire kubhadhara mubereko. Nekudaro, kana iwe uchibhadhara kutenga, enderera sekunge wanga uchitsvaga mota kubva pakutanga. Consumer Reports munyori Ryan Felton nguva pfupi yadarika akaongorora shanduko mumitengo yemubereko inobhadhariswa vanokwereta vane maprofile echikwereti akafanana. Akataura kuti usati washanyira vatengesi, wana pre-mvumo yezvikwereti kubva kubhangi kana mubatanidzwa wechikwereti. , Kuti uenzanise mari yekotesheni yevatengesi. "Nzira yakanaka ndeyekutenga-tenga," akadaro. Uye ramba uchitarira pamutengo wose, akadaro, kwete chete mubhadharo wepamwedzi.
Experian's data inoratidza kuti avhareji yemari yechikwereti chemotokari yakashandiswa mukota yechipiri yaive 8.66%.
Nguva yekutumira: Zvita-08-2021
