Abantu abaqashe imoto ngaphambi kwalolu bhubhane bangathenga imoto ngentengo ephansi kakhulu kunentengo ekhona yemakethe ekupheleni kokuqashisa.
Amanani ezimoto ayaqhubeka nokukhuphuka. Kepha kunesigaba sabantu abasengakwazi ukuthola isaphulelo-labo abaqashe imoto ngaphambi kwalolu bhubhane, bangakhetha ukuthenga ekupheleni kokuqashisa.
"Abantu bazothola inzuzo enhle ekuqashiseni kwabo," kusho u-Ivan Drury, umphathi omkhulu we-Insights kwa-Edmunds, iwebhusayithi yezimoto.
Abahlaziyi bezimoto bathi lokhu akwenzeki ngaso sonke isikhathi. Kepha imakethe yezimoto ezisetshenzisiwe ebhebhethekayo edalwe yilolu bhubhane isibuyisele emuva isibalo sabathengi abasayine ukuqashisa eminyakeni emibili noma emithathu edlule.
Ukushoda kwama-computer chips adingekayo ekukhiqizeni kanye nesidingo esinamandla kubangele ukutholakala okwanele kwamamodeli amasha namadala kanye namanani aphezulu. Ngokombiko wamaphakathi nonyaka we-American Automobile Dealers Association, inani lentengo elimaphakathi lezimoto ezintsha lidlule ama-US$40,000 okokuqala ngqa ngo-2021, kanti inani lentengo lezimoto eselisetshenzisiwe lafinyelela cishe ku-$25,000.
UBrian Moody, umhleli omkhulu we-Autotrader, imakethe yezimoto eku-inthanethi, uthe: “Lesi isikhathi esiyingqayizivele ngenxa yokwanda kwesidingo nokuncipha kwempahla.”
Abathengi bathola sekunzima ukuthola imoto abayifunayo ngentengo abazimisele ukuyikhokha. Kodwa abantu okuqashiswa kwabo okuzophelelwa yisikhathi bangathola ukuthi bangakwazi ukuthenga imoto asebenayo ngentengo eshibhile.
Kungani kunjalo. Ngokuqashisa, abashayeli bazoqasha imoto isikhathi esinqunyiwe-ngeke bazithole ngokuzenzakalela uma kuphela isikhathi sokuqasha, njengoba bebengenza lapho bekhokha imali ebolekiwe yemoto evamile. Kodwa inkontileka yokuqashisa ngokuvamile ihlanganisa inketho yokuthenga imoto ngentengo ebekwe ngaphambilini ekupheleni kokuqashisa—imvamisa eminyakeni emibili noma emithathu kamuva. Ukuze kufike inani lokuthenga, umdayisi usebenzise ifomula yokulinganisa izinga lokwehla kwenani lemoto phakathi nesikhathi sokuqashisa. Kepha ngenxa yokuthi intengo yezimoto ezisetshenzisiwe ikhuphuke ngokushesha okukhulu, amanani amaningi okuthenga abekwe ngaphambi kuka-2020 angase abe ngaphansi kwentengo yemakethe yamanje.
Umbhali wezimoto zeConsumer Reports uBenjamin Preston uthe: “Okuhle manje ukuthi la magama abalwa ngaphambi kwalolu bhubhane, lapho izimoto ezisetshenzisiwe bezidayiswa ngamanani aphansi.”
Ngokusho kwedatha yekota yesibili ye-Experian, ukuthengwa kwezimoto eziningi ezintsha kuxhaswa ngemalimboleko, kodwa cishe ingxenye yesine iyaqashiswa. Ukuqashisa kuvame ukuduma kubashayeli abafisa ukukhokha imali ephansi yanyanga zonke noma abakhetha imoto entsha enezici zakamuva. Ngokusho kwedatha ye-Experian, umehluko omaphakathi phakathi kwezinkokhelo zemalimboleko nezinkokhelo zokuqashisa zezimoto ezintsha ezidumile ngekota yesibili ubungu-$109. Isibonelo, isilinganiso senkokhelo yemalimboleko yanyanga zonke ye-Honda Civic ngu-$418, kuyilapho ukuqashisa kungu-$309. OkweToyota Highlander, isilinganiso sokukhokhwa kwemali mboleko singama-$633, kuyilapho ukuqashisa kungu-$493.
Kubashayeli abanezivumelwano zokuqashisa, igebe phakathi kwenani elilinganiselwe kanye nentengo yamanje yemakethe lingase libe likhulu. Indawo yokusesha izimoto i-iSeeCars muva nje iqhathanise amanani amanje ezimoto ezineminyaka emithathu ubudala nenani elilinganiselwe lokutholwa kwamamodeli amasha aqashwe ngo-2018 futhi yathola ukuthi isilinganiso senani lemoto singase sibe phezulu ngo-36% kunenani elilinganiselwe ekuqaleni kokuqashisa.
Kwamanye amamodeli, igebe lingase libe likhulu. Isibonelo, inani lamanje lemakethe yeVolkswagen Tiguan lingase libe ngu-$9,800 ngaphezu kwalokho okwakubikezelwe eminyakeni emithathu edlule-inyuke ngo-69%. Ngokusho kwe-iSeeCars, inani ngisho ne-ultra-compact Nissan Versa lenyuke ngaphezu kuka-US$4,300, noma ngaphezulu kuka-50%. Ukuhlaziywa kusekelwe kusizindalwazi esiqukethe cishe ukufakwa kuhlu kwezimoto ezintsha nezisetshenzisiwe ezingaba izigidi eziyishumi.
Ngakho-ke, uma uthanda imoto yakho futhi isesimweni esihle, kungase kube nengqondo ukuyithenga ekupheleni kokuqashisa. UKarl Brauer, umhlaziyi omkhulu kwa-iSeeCars, uthe: “Kufanele uqaphele kakhulu ngokuthenga imoto esikhundleni sokuyibuyisa.”
Abathengi benza lokhu ngokuqhubekayo. UDaniel Berce, oyisikhulu esiphezulu kwaGM Financial, ophikweni lwezezimali kwaGeneral Motors, uthe emhlanganweni wabatshalizimali ngo-Agasti u-89% wamakhasimende aqashisayo athenge imoto ekupheleni kokuqashisa ngekota yesibili yalo nyaka. Cishe kwakungama-20% ngonyaka odlule.
Ungakwazi futhi ukuthenga imoto futhi uzidayisele ngokwakho ukuze wenze inzuzo. Kodwa kungase kudingeke ukhokhe intela yokuthengisa, futhi kunenye inkinga: uma udinga enye imoto, kungase kungabi lula kuwe ukuthola imoto oyithandayo ngentengo ocabanga ukuthi inengqondo.
UMnu. Drury wakwa-Edmunds uthe enye inketho ingase ibe ukusebenzisa “ukulingana” esivumelwaneni sokuqashisa—umehluko phakathi kwenani lemakethe lamanje kanye nenani lokuthenga—ukunciphisa izindleko zokuqasha imoto entsha. Empeleni, uthengisela umdayisi isivumelwano sokuqashisa, futhi umdayisi ubala le mali ekuqashiseni imoto yakho entsha.
UJeff Perlman, umeluleki ozimele wezokuxhumana nomphakathi eLos Angeles, uthe ukhetha ukushayela imoto entsha futhi ukwazile ukuguqula ukulingana kwakhe ku-sedan yezemidlalo kanokusho ka-2019 iGenesis G70 ayiqashile ukuze aqashe imoto ebiza kakhulu, eklanywe kabusha ka-2022. Uthe akumele onge noma iyiphi imali, futhi ukhokha kuphela u-$38 owengeziwe ngenyanga. “Ngijabule kakhulu,” kusho yena.
UMnu. Drury uthe enye inkinga engase ibe yinkinga ngale ndlela ukuthi abanye abadayisi nezinkampani zezezimali zingase zingakuvumeli ukuthi udayisele izinkampani ezincintisanayo iziqashiso, okungase kunciphise ukukhetha kwakho izimoto ezintsha.
Hlola amadokhumenti akho okuqashisa. Intengo yokuthenga—noma ifomula yokubala—ivame ukufakwa esigatshaneni. (Ingase ibizwe ngokuthi “inketho yokuthenga”.) Bese usebenzisa i-Kelly Blue Book, i-TrueCar ne-Edmunds noma i-Carvana ne-CarMax nabanye abathengisi ukuze useshe ku-inthanethi ukuze ubone amanani amanje abuzayo ezimoto ezifanayo ezisetshenzisiwe. UMnu. Brauer uthe uma intengo yokuthenga iphansi kunentengo yemakethe, lokhu kungase kube nengqondo.
Ukukhokha ngokheshi inketho eshibhe kakhulu ngoba awudingi ukukhokha inzalo. Kodwa-ke, uma ukhokhela ukuthenga, qhubeka sengathi ubufuna imoto kusukela ekuqaleni. Umlobi we-Consumer Reports u-Ryan Felton usanda kuphenya izinguquko kumazinga enzalo akhokhiswa ababolekayo abanamaphrofayela esikweletu afanayo. Uthe ngaphambi kokuvakashela abadayisi, thola imvume yokubolekwa ebhange noma ebhange. , Ukuze uqhathanise izingcaphuno zezimali zabathengisi. “Indlela engcono kakhulu ukuthenga ezindaweni zonke,” kusho yena. Futhi bheka izindleko eziphelele, wathi, hhayi nje inkokhelo yanyanga zonke.
Idatha ye-Experian ikhombisa ukuthi isilinganiso senzalo semalimboleko yezimoto esetshenzisiwe ngekota yesibili sasingu-8.66%.
Isikhathi sokuthumela: Dec-08-2021
