Abantu abaqeshe imoto ngaphambi kobhubhane banokuthenga imoto ngexabiso eliphantsi kakhulu kunexabiso lentengiso elikhoyo ekupheleni kwesivumelwano.
Amaxabiso eemoto ayaqhubeka nokunyuka. Kodwa kukho udidi lwabantu abanokuthi basenokukwazi ukufumana isaphulelo-abo baqeshe imoto ngaphambi kobhubhane, banokukhetha ukuthenga ekupheleni kwesivumelwano.
“Ngokuqinisekileyo abantu baya kufumana ixabiso elihle kwingqeshiso yabo,” utshilo u-Ivan Drury, umphathi omkhulu we-Insights kwa-Edmunds, iwebhusayithi yeemoto.
Abahlalutyi beemoto bathi akusoloko kunjalo. Kodwa imarike yemoto esetyenzisiweyo enzima ebangelwe ngubhubhani ibuyisele umva inani labathengi abatyikitye izivumelwano zokuqeshisa kwiminyaka emibini okanye emithathu eyadlulayo.
Ukunqongophala kweetshiphu zekhompyuter ezifunekayo ekuveliseni kunye nemfuno eyomeleleyo kubangele ukungonelanga kweemodeli ezintsha nezindala kunye namaxabiso aphezulu. Ngokwengxelo yaphakathi enyakeni yeAmerican Automobile Dealers Association, umndilili wexabiso lentengiselwano yeemoto ezintsha udlule kwi-US$40,000 okokuqala ngqa ngo-2021, kwaye umndilili wexabiso lentengiselwano yeemoto ezisetyenzisiweyo ufikelele phantse kwi-US$25,000.
UBrian Moody, umhleli olawulayo we-Autotrader, imarike yeemoto ekwi-Intanethi, uthe: “Eli lixesha elikhethekileyo ngenxa yokunyuka kwemfuno kunye nokuncipha kwempahla.
Abathengi bakufumanisa kunzima ukufumana imoto abayifunayo ngexabiso abazimisele ukulihlawula. Kodwa abantu abaqeshiso zabo sele ziza kuphelelwa banokufumanisa ukuba banokuthenga imoto abasele benayo ngexabiso eliphantsi.
kutheni kunjalo. Ngokuqeshisa, abaqhubi baya kuqesha imoto kangangexesha elithile-abayi kuba ngabanini bemoto ngokuzenzekelayo ekupheleni kwexesha lokurenta, njengoko bebeya kwenza xa behlawula imali mboleko yemoto yemveli. Kodwa ikhontrakthi yokuqeshisa idla ngokubandakanya ukhetho lokuthenga imoto ngexabiso elimiselweyo ekupheleni kwesivumelwano-ngokuqhelekileyo kwiminyaka emibini okanye emithathu kamva. Ukuze kufikelelwe kwixabiso lokuthenga, umthengisi usebenzise ifomyula ukuqikelela iqondo lokuhla kwexabiso lemoto ngexesha lengqeshiso. Kodwa ngenxa yokuba ixabiso leemoto ezisetyenzisiweyo linyuke ngokukhawuleza, uninzi lwamaxabiso okuthenga abekwe ngaphambi kowama-2020 anokuba sezantsi kunexabiso lentengiso yangoku.
Umbhali weemoto kwiiConsumer Reports uBenjamin Preston uthe: “Inzuzo ngoku kukuba la magama abalwa ngaphambi kobhubhani, xa iimoto ezisetyenzisiweyo zazithengiswa ngamaxabiso aphantsi.”
Ngokutsho kwedatha yekota yesibini ye-Experian, uninzi lokuthengwa kweemoto ezintsha kuxhaswa ngemali mboleko, kodwa malunga nekota iyaqeshwa. Ukuqeshisa kudla ngokuthandwa ngabaqhubi abanqwenela ukuhlawula umrhumo ophantsi wenyanga okanye bakhetha imoto entsha eneempawu zamva nje. Ngokwedatha ye-Experian, umahluko ophakathi phakathi kweentlawulo zemboleko kunye neentlawulo zokuqeshisa kwiimoto ezithandwayo ezintsha kwikota yesibini yayiyi-US $ 109. Umzekelo, i-avareji yentlawulo yemali mboleko yeHonda Civic yi-418 yeedola, ngelixa irenti yi-309 yeedola. KwiToyota yasezintabeni, intlawulo yemali-mboleko ephakathi yi-633 yeedola, ngelixa uqeshiso luyi-$493.
Kubaqhubi abanezivumelwano zokuqeshisa, umsantsa phakathi kwexabiso eliqikelelweyo kunye nexabiso lemarike langoku linokuba likhulu. Indawo yokukhangela imoto iSeeCars isandul 'ukuthelekisa amaxabiso akhoyo eemoto ezineminyaka emithathu ubudala kunye nexabiso eliqikelelweyo lokufumana iimodeli ezintsha eziqeshiweyo ngo-2018 kwaye zafumanisa ukuba ixabiso eliqhelekileyo lemoto linokuba yi-36% ephezulu kunexabiso eliqikelelwayo ekuqaleni kokuqeshisa.
Kwezinye iimodeli, i-gap ingaba nkulu. Umzekelo, ixabiso langoku lentengiso yeVolkswagen Tiguan inokuba yi-US$9,800 ngaphezulu kunoko bekuqikelelwe kwiminyaka emithathu edlulileyo-inyuke nge-69%. Ngokutsho kwe-iSeeCars, ixabiso le-Ultra-compact Nissan Versa linyuke ngaphezu kwe-US $ 4,300, okanye ngaphezulu kwe-50%. Uhlalutyo lusekwe kuluhlu olumalunga ne-10 lezigidi zeemoto ezintsha nezisetyenzisiweyo.
Ke ngoko, ukuba uyayithanda imoto yakho kwaye ikwimeko entle, kunokuba sengqiqweni ukuyithenga ekupheleni kwesivumelwano. UKarl Brauer, umhlalutyi olawulayo kwi-iSeeCars, uthe: “Kuya kufuneka ulumke kakhulu xa uthenga imoto endaweni yokuyibuyisela.”
Abathengi benza oku ngakumbi nangakumbi. UDaniel Berce, umlawuli oyintloko we-GM Financial, icandelo leenkonzo zezemali zeGeneral Motors, uthe kwintlanganiso yabatyalo-mali ngo-Agasti ukuba i-89% yabathengi abaqeshisayo bathenge isithuthi ekupheleni kokuqeshisa kwikota yesibini yalo nyaka. Kwakumalunga nama-20% kunyaka ophelileyo.
Ungaphinda uthenge imoto kwaye uyithengise ngokwakho ukuze wenze inzuzo. Kodwa kusenokufuneka uhlawule irhafu yokuthengisa, kwaye kukho enye ingxaki: ukuba ufuna enye imoto, kusenokungabi lula kuwe ukufumana imoto oyithandayo ngexabiso ocinga ukuba lifanelekile.
UMnu. Drury wase-Edmunds uthe enye inketho isenokuba kukusebenzisa “i-equity” kwisivumelwano sokuqeshisa—umahluko phakathi koqingqo-maxabiso lwangoku lwemarike kunye nexabiso lokuthenga—ukunciphisa iindleko zokuqeshisa ngemoto entsha. Ngokwenyani, uthengisa irenti kumthengisi, kwaye umthengisi ubala le mali kwisixa-mali semoto yakho entsha.
UJeff Perlman, umcebisi wobudlelwane boluntu ozimeleyo eLos Angeles, uthe ukhetha ukuqhuba imoto entsha kwaye wakwazi ukuguqula i-equity yakhe kwi-sedan yemidlalo yodidi ka-2019 yeGenesis G70 awayeyiqeshile ukuze aqeshe imoto ebiza kakhulu, eyilwe ngokutsha ye-2022. Uthe akufuneki agcine nayiphi na imali, kwaye uhlawula kuphela i-38 eyongezelelweyo yeedola ngenyanga. “Ndonwabe kakhulu,” watsho.
UMnu Drury uthe enye ingxaki enokwenzeka ngale ndlela kukuba abanye abathengisi kunye neenkampani zemali banokungakuvumeli ukuba uthengise iirenti kwiimpawu ezikhuphisanayo, ezinokucutha ukhetho lwakho lweemoto ezintsha.
Jonga amaxwebhu akho oqeshiso. Ixabiso lokuthenga—okanye indlela yokubala—lidla ngokuqukwa kwigatya. (Inokubizwa ngokuba "yinketho yokuthenga" ixabiso.) Emva koko sebenzisa i-Kelly Blue Book, i-TrueCar kunye ne-Edmunds okanye i-Carvana kunye ne-CarMax kunye nabanye abathengisi ukukhangela kwi-intanethi ukuze ubone amaxabiso akhoyo abuzayo eemoto ezifanayo ezisetyenzisiweyo. UMnu Brauer uthe ukuba ixabiso lokuthenga liphantsi kunexabiso lemarike, oku kunokuba nengqiqo.
Ukuhlawula ngemali ezinkozo yeyona ndlela iphantsi kuba awudingi kuhlawula nzala. Nangona kunjalo, ukuba uxhasa imali yokuthenga, qhubeka ngokungathi ukhangela imoto kwasekuqaleni. Umbhali weeNgxelo zabaThengi uRyan Felton usanda kuphanda utshintsho kwinzala ehlawuliswa ababoleki abaneeprofayile zetyala ezifanayo. Uthe ngaphambi kokutyelela abathengisi, fumana imvume yangaphambili yeemali mboleko ebhankini okanye kwimanyano yamatyala. , Ukuze uthelekise iikowuteshini zemali zabathengisi. “Eyona ndlela ilungileyo kukuthenga kwindawo yonke,” utshilo. Kwaye gcina iliso kwiindleko zizonke, wathi, hayi nje intlawulo yenyanga.
Idatha ye-Experian ibonisa ukuba umyinge wenzala yemali mboleko yemoto esetyenzisiweyo kwikota yesibini yayiyi-8.66%.
Ixesha lokuposa: Dec-08-2021
