Umshwalense wemoto wezimoto zaseSingapore abahlinzeki bawo ungahluka ngezindleko. Izindleko zakho zingathintwa ukuthi zingaki izingozi esikhathini esidlule noma amacala okushayela akurekhodi lakho. Kulabo abanerekhodi lokushayela elihlanzekile, umshwalense wemoto isilinganiso sezindleko singasukela cishe ku-S$700 kuya ngaphezu kuka-S$3,000.
Kuzwakala kuyabiza? Ukuzama ukushayela ngaphandle komshwalense wemoto e-Singapore kuyingozi futhi kungakubiza izinkulungwane zamaRandi, ilayisense yakho yokushayela, futhi ngezinye izikhathi ngisho nokuboshwa.
Ngezansi kunezinto ezimbalwa okufanele uzikhumbule uma ucabanga ukuthi kuzokwenzekani uma ushayela ngaphandle komshwalense wemoto osebenzayo eSingapore.
Izijeziso zomthetho
Kubekwe kumthetho we-Singapore Motor Vehicles (Izingozi Nesinxephezelo Senkampani Yangaphandle) ukuthi umuntu obanjwe eshayela imoto e-Singapore ngaphandle komshwalense uyoba necala futhi, lapho etholakala enecala, uzohlawuliswa imali efinyelela ku-S$1,000, kanye nokuboshwa kufika ezinyangeni ezi-3, noma kokubili. Uzokhishwa futhi ekusebenziseni ilayisense izinyanga eziyi-12 ngemuva kokulahlwa yicala uma utholwa unecala ngaleli cala.
Ukungawulaleli umthetho kungaholela enanini eliphezulu kunaleyo obungayikhokha ukube ubunayo umshwalense wemoto eSingapore igunya. Okuhlukile okuningana kulo mthetho. Ngeke utholakale unecala:
- Imoto oyishayelayo akuyona eyakho noma ingaphansi kwenkontileka yokuqasha noma yemalimboleko
- Usebenzisa imoto emsebenzini
- Awazi ngempela ukuthi umshwalense osemthethweni ubungasebenzi
Kwenzekani uma uthola ingozi?
Ngaphandle kwemithelela yezomthetho ongabhekana nayo ngokushayela ngaphandle komshwalense wemoto, futhi ukhulisa ubungozi kuwena nasezimalini zakho. Ukungena engozini yemoto ngenkathi ushayela ungenawo umshwalense kuholela ezindlekweni zomuntu siqu eziphakeme zokulungisa noma ukushintsha imoto yakho, izinto zakho ezilimele, kanye nezindleko zokwelashwa. Futhi ubhekene necala elivela kwelinye iqembu futhi kufanele ukhokhele noma yimuphi umonakalo, ukulahlekelwa, nezindleko zokwelashwa. Lokhu kungakubiza izinkulungwane zamaRandi obekungafakwa kuzo umshwalense.
Imiphumela ye-fronting
Abanye abantu bathathwa “njengabashayeli abasengozini enkulu” futhi bacelwa ukuba bakhokhe imali eyengeziwe yomshuwalense wemoto. Abaningi balabo bangena enkambisweni eyaziwa ngokuthi "i-fronting," lapho bezama khona ukuthola inani elishibhile kumshwalense ngokusebenzisa imininingwane yephrofayili yokushayela ehlukile, engcono. Lolu uhlobo lokukhwabanisa. Ukuzama leli su nokutholakala kungenza izinqubomgomo zakho zingasebenzi ngokuphelele, ikakhulukazi engozini.
Umshwalense wemoto ungakuvikela kanjani?
Kungakhathaliseki ukuthi ushayela kangakanani, kuhlale kunethuba lokuhlangana nomshayeli ongenandaba noma ubudedengu. Umshwalense wezimoto zezimoto Abahlinzeki abaphezulu baseSingapore bahlanganisa umshwalense wemoto ophelele nothembekile. Abaningi balaba bahlinzeki banikeza izaphulelo namavawusha, ngakho-ke zihlole. Ungafaka isicelo kufika ezinsukwini ezingu-90 ngaphambi kokuphelelwa yisikhathi kwenqubomgomo yakho yamanje.Izinzuzo ezengeziwe zohlelo zihlanganisa:
- Asikho Isaphulelo Sesimangalo (NCD) ngo-10% uma unephutha
- Izinsizakalo zokuhlenga eziseceleni komgwaqo zamahhala uma imoto yakho ifa
- Izinzuzo ze-Gap Cover kanye ne-Loan Protector ezikhava imali oyibolekiwe yemoto yakho esilele lapho ulahlekelwa imoto yakho futhi kushona umnikazi wepholisi, ngokulandelana.
- Engeza izinzuzo ukuze wenze ishabhu yokulungisa ekhethwayo
- Ukungakhokhi nesenti elilodwa uma ungenalo iphutha kuyasebenza uma ubandakanyeka engozini yemoto yase-Singapore ehlonzwa.
Ngempela, akekho ofuna ukukhokha umshwalense wemoto uma engasiza, kodwa ukugwema ukwephula umthetho kuzokubiza kakhulu kunomshwalense wemoto yakho, kokubili ngesikhathi nemali oyitshalile. Uma ufuna inani lomshwalense wemoto wemoto enikezwa yiSingapore, ungabheka leyo ehlinzekwa ngabahlinzeki abaphezulu. Yenza ucwaningo olwanele ngaphambi kokuzibophezela - hlola irekhodi lomshwalense, imininingwane yenqubomgomo, nokubuyekezwa kwabasebenzisi.
LOKHO ONGAKUTHATHE KULESI SIHLOKO:
- Asikho Isaphulelo Sesimangalo (NCD) sehliswe ngo-10% uma usephutheniIzinkonzo zokuhlenga eziseceleni komgwaqo zamahhala uma imoto yakho ifa Ikhava yeGap kanye nezinzuzo zoMvikeli Wemalimboleko ezikhava imali oyibolekiwe yemoto yakho uma kwenzeka ukulahlekelwa imoto yakho iyonke futhi kushona umnikazi wepholisi. , ngokulandelanaEngeza ezinzuzweni ukuze ulungise ishabhu yokucobelela ekhethwayoAkukhokhi ngisho isenti elilodwa uma ungenalo iphutha kuyasebenza uma ubandakanyeka engozini yemoto yase-Singapore ehlonzwa.
- Imoto oyishayelayo akuyona eyakho noma ingaphansi kwenkontileka yokuqasha noma yemalimbolekoUsebenzisa imoto emsebenziniAwazi ngempela ukuthi umshwalense osemthethweni ubungasebenzi.
- Kubekwe kumthetho we-Singapore Motor Vehicles (Izingozi Nesinxephezelo Senkampani Yangaphandle) ukuthi umuntu obanjwe eshayela imoto e-Singapore ngaphandle komshwalense uyoba necala futhi, lapho etholakala enecala, uzohlawuliswa imali efinyelela ku-S$1,000, kanye nokuboshwa kufika ezinyangeni ezi-3, noma kokubili.
