Ungabheki intengo yemoto kuphela uma ufuna ukuyithenga

ABANTU abaningi uma bethenga imoto babheka kuphela ukuthi malini nokuthi ingakanani abazoyikhokhela yona ngenyanga bakhohlwe ngezindleko ezihambisana nokuba nemoto.

Kuyinto ebalulekile ukuthi uzibheke zonke izindleko ezihambisana nokuba nemoto ukuze uthathe isinqumo esiphusile, kweluleka ibhange elibolekisa ngemali yokuthenga imoto, iWesBank.

Ithe ngale kwemali imoto ebiza yona, ezinye izindleko zihlanganisa ukwehlelwa yintengo, inzalo yemali oyibolekae uthenga, umshwalense, uphethroli, ukuyinakekela nokuyilungisa.

“Uma ucabanga lezi zindleko, amakhasimende angakwazi ukubhajetha kahle uma enquma ukuthenga imoto entsha nokugwema ukungena enkingeni yemali okuhlangene nokuthenga imoto,” kusho iWesbank.

IWesbank ithe imoto ebiza uR280 980.11 okuhlanganisa neVAT, umuntu engalindela ukukhona imali elinganiselwa ku-R5 360.13 ngenyanga. Le mali ifinyelele la ngenxa yokubhekwa kwenzalo yemalimbokelo onikezwa yona ebalwa kubhekwa izinto ezifana ne-credit score sakho, nesikhathi sesikweletu.

Nazi ezinye izindleko:

Umshwalense - Uma uthenga imoto ngesikweletu, okunikeza imali kuzomele ube nomshwalense i-comprehennsive car insurance. Noma ngabe awuthengi ngesikweletu kodwa umshwalense ubalulekile ukuvikela imoto yakho. Imali oyikhokha ngenyanga yomshwalense iyehluka kubhekwa izinto eziinjengohlobo lwemoto, umlando womshayeli, indawo akuyo nokunye. Kule moto engenhla umshwalense ubiza imali elinganiselwa kuR1 739.74.

Izindleko zikaphethroli – Izindleko zikaphethroli azipheli. Ukubala izindleko zikaphethroli okanye udizili, bheka indlela imoto yakho edla ngayo nebanga olihamba ngenyanga. Imali kaphethroli yenyanga yale moto esikhuluma ngayo ingu-R3 949.75.

Izindleko zokunakekela imoto – Ukuhlala unakekela imoto yinto yemihla ngemihla. Kule moto abashayeli bengalindela ukukhokha uR478.82 ukunakekela imoto nokulungisa izinto ezincane.

Uma kuhlanganiswa zonke lezi zindleko ezingenhla zifinyelela kuR11 528.44.

Ezinye izinhleko okumele uzibheke:

Ukwehlelwa yintengo kwemoto: Imoto yehlelwa yintengo ngokuhamba kwesikhathi. Lokhu kungaba yizindleko ezinkulu ezihambisana nokuba nemoto. Imoto ijwayele ukwehlelwa yintengo ngo-15-20% ngonyaka wokuqala nokuthinta imali ongayidayisa ngayo.

Izindleko zonyaka – Noma ngabe imoto yakho ifika ne-service plan kodwa kubalulekile ukubhajethela izinto ezidinga ukushintshwa njengama-brake pads, ama-wiper namathayi uma kunesidingo.

Ukuthelela imoto – Lezi yizindleko zaminyaka yonke ezihluka ngohlobo lwemoto. Yenza isiqiniseko sokuthi uyazifaka uma ubala izindleko zonyaka.