Iintlobo eziphambili ezivela ngokuqeshisa isithuthi seshishini
Abaninzi abanini-shishini kunye nabanqwenela ukurhweba ishishini lokuqala iqela lifumana amaxesha amaninzi ukungabikho kwemithombo eyaneleyo. Uninzi olunokuthi lube nenkunzi enkulu ekuthengeni imishini kwaye iqeshwe abasebenzi kodwa ihlale ingacaciseki malunga nokuthenga okanye ukuqeshisa isithuthi seshishini. Nangona kuthengwa kwezithuthi zoshishino kukuqinisekisa ukuba ubunikazi obugcwele, ukuqeshisa kuneenzuzo ezininzi ngokubhekiselele kuphando olwenziwa ngabaqeqeshi.
Ngaphantsi ukujonga ngokukhawuleza kwiintlobo zamashishini anokunyuka ngokuqeshisa isithuthi endaweni yokuzithengela.
1. Iintlawulo zenyanga eziphantsi
Sonke siyavuma ukuba ukuqeshisa imoto endaweni yokuthenga enye ishishini kusenza phantsi kwexabiso elifunekayo ukuqhuba ishishini. Oku kunenzuzo kakhulu kubanini-shishini abasha abatsha ngokushishino kuba iinjongo kuphela ezifunwayo zoshishino kukunciphisa iindleko kunye nokwandisa inzuzo. Imali yokuqashisa ehlawulwa rhoqo ngenyanga iphakathi kwe-30% -60% yexabiso leemoto elingaphantsi kokufumana isithuthi esitsha. Oku kuvumela ishishini ukuba lisebenzise ukugcinwa kweminye impahla efunekayo yoshishino .
2. Iinkonzo zerhafu
Kwiindawo ezininzi ze-US xa uqeshisa isithuthi, awuhlawuli irhafu yentengiso kwixabiso elipheleleyo lemoto eqeshisiweyo kodwa, endaweni yoko, uhlawuliswa kuphela kwinxalenye yentengo oyisebenzisayo ngexesha lokuqeshisa. Kufuneka ukuba kuqatshelwe ukuba xa ishishini lithenga isithuthi , ishishini lihlawula irhafu yokuthengisa kwixabiso elipheleleyo lezithuthi ezibiza kakhulu kwi-shishini elinga ukukhula.
Ekugqibeleni, xa uqeshisa isithuthi, irhafu ehlawulwayo isasazeka ngexesha lonke lexesha lokuqeshisa kwaye ihlawulwa kunye nezitolimende zenyanga.
3. Isikhundla ngokuba neNqwelo entsha yeeNqwelo
Ukuba utyalomali lwakho luquka ukusebenzisana noluntu, ukuqeshiswa kweenqwelo-mali zeshishini ngokuqinisekileyo kuya kukhuthaza umfanekiso wakho. Le ndlela yindlela engcono yokuphucula igama lakho lebhizinisi kunye nokukhuthaza abaxhasi bakho.
Ngakolunye uhlangothi, ukuhlawula iindleko zenyanga kuncinci xa kuthelekiswa nokuthenga isithuthi esitsha, abanini banini-shishini banophelo lokuqhuba izithuthi ezizizondlo rhoqo ngoku kwaye oko kunokuba nzima kakhulu ukuthenga. Ngenye indlela, iimali zenyanga zokuhlawula ezihlawulwayo ziphantsi xa zifaniswa nomlinganiselo umnini-shishini uza kuhlawula ukuba imoto ithengwe ngemboleko .
4. Akukho mali yoNondlo
Njengomnini-shishini, kufuneka ubenobuchule ukuqeshisa isithuthi ngexesha elihambelana nexesha lewaranti elikhutshwe ngumenzi wemoto. Oku kuthetha ukuba xa kwenzeka into engafanelekanga ngemoto, umenzi unoxanduva kwaye ufumana zonke iindleko zokulungisa. Ngexesha elifanayo, iinkampani ezininzi zokuqeshisa zinika iishedyuli zokugcinwa kwamahhala ngexesha lokuqeshisa. Ngakolunye uhlangothi, iinkampani ezininzi nazo zinikezela ngokuqeshisa ngokugcweleyo isithuthi esithetha ukuba nayiphi na into ehambelanayo nesi sithuthi iyahlala yinkxalabo yenkampani enokusindisa kwiindleko zoshishino.
5. Imoto yokuqeshisa imoto ayinayo iindleko eziphambili
Nanini na xa uqala uphuhliso lweshishini elitsha, kucetyiswa ukunciphisa kuzo zonke iindleko zokuqala ukwenzela ukuba ishishini likhulise iinjongo zalo. Enye yeendlela ezilula ukunciphisa iindleko ngokuqeshisa isithuthi soshishino endaweni yokuthenga enye yezoshishino.Ngokuba kuncinci ukuhlawulwa kweentlawulo zeshishini lokuqeshisa imoto kunceda ibhizinisi ligcine ukuhamba kwemali .
6. I-GAP Coverage
Iinkampani ezininzi zokuqeshisa imoto zinezixhobo ezikhuselekileyo zokukhusela 'i-gap' ekhusela isithuthi esithile sebiwe okanye nayiphi xa isithuthi sithatha ingozi. Oku kuhlawula isithuthi kwindawo apho inkampani yomshuwalense ayikufihla yonke ilahleko eyenziweyo. Eyona nto imnandi ukuba uqaphele ukuba akukho mboleko ifike ngokukhuseleka kwe-gap ngokuzenzekelayo.
Ekugqibeleni, izithuthi zoshishino zokuqeshisa yinto ebhetele ukuba ishishini limele liye endaweni yokuthenga. Enyanisweni ukunciphisa iindleko ezithatha ishishini kwaye ngokwenza njalo, iinjongo zengeniso ekupheleni kwenyanga ziphezulu. Ngoko ke siyakukhuthaza kakhulu amashishini amancinci ukuba aqalise ngokuqeshisa endaweni yokuthenga izithuthi zoshishino.