Nzira yekutenga mota yakapihwa mari
Nekushingairira, kutenga mota ichiri pasi pemari haifanire kuve dambudziko.
Pane misiyano mishoma shoma asi yakakosha pakati pekutenga imba nekutenga mota, nemusiyano mudiki mumutengo ungangodaro uri pachena. Chechipiri, isu hatifunge nezvekutenga zvivakwa kubva kune mumwe munhu achiri nechikwereti chezviuru kana mamirioni emadhora pazviri, nekuti mabhanga anobhadhara mamwe mabhanga kuvhara zvikwereti - icho chikamu chechibvumirano.
Zvisinei, kutenga motokari yakabhadharwa kunotambudza kupfuura kuedza kutamba dama kune cheek kumativi eLouvre neMona Lisa. Chokwadika, kutenga motokari ine mari kwakangofanana nokutenga imba, kuva akatendeseka.
Saka mukana wekutengesa kwepachivande kushanduka kuita tangle yemari haifanire kukuvhundutsa; Nemotokari dzinopfuura mamiriyoni mana dzakashandiswa dzinochinja maoko muAustralia gore negore, zvakanakira kutenga muchivande zviri pachena.
Zvese zvaunoda kuti uite, sekunge chero kutenga kukuru, kugadzirira pachine nguva kana zvasvika kumari, sezvaungaita kana uchifunga nezvekugadzirisa mota, nhoroondo yebasa, zvichingodaro.
Iwe unofanirwa kuva nechokwadi zvachose pamusoro pemamiriro emari emotokari, hongu, nokuti mutoro wekutarisa uri newe, uye kana iwe usingaiti, unogona kuwira munyika yemarwadzo.
Ndezvipi zvinogona kukanganisa?
Sezvatakakurukura muchinyorwa chedu chekutengesa mota dzine mari, zvese zvinouya pamashandiro anoita zvikwereti zvemotokari. Nekuti mari yemotokari inoshandisa mota sechibatiso, chikwereti chinoshandiswa kumota, kwete muridzi. Muridzi achiri kusungirwa kubhadhara chikwereti, uye kusvikira vadaro, chero mari yakasara pachikwereti inobatwa nemotokari uye kwete mukwereti.
Apa ndipo panogona kushandiswa vatengi vemota vanogona kuvhiringika zvishoma. Nepo vatengesi nedzimba dzeokisheni vachifanirwa kupa humbowo hwevaridzi hwakajeka uye vakatarisana nezvirango zvakakomba zvekutyora zvisungo zvavo, vatengesi vega havasi pasi pemitemo yakafanana.
Dambudziko guru rekutenga motokari ine mari yakabatanidzwa ndeyokuti iwe ucharasikirwa nemotokari.
Izvi zvinoreva kuti chero nhamba yezvinetso inogona kuvanza kuseri kwechinhu chinonzi chakanaka, kusanganisira zvido zvakavanzika mumotokari. Kana ukatenga mota nekusaziva nemari yaunenge wakwereta kubva pairi, unozopedzisira wava muchikwereti kana kurasikirwa nemota yako zvachose kana kambani yezvemari yaitora kuti idzose zvavakarasikirwa nazvo, Justin Davis weCANSTAR Credit Scoring Services anotsanangura.
“Njodzi huru yekutenga motokari ine mari ndeyokuti unorasikirwa nemotokari yacho,” anodaro.
"Kana mota iyi yakashandiswa sechibatiso chechikwereti, saka vezvemari vane muridzi."
Zviri serious kudaro. Pasi pemutemo weAustralia, mutengi ane basa rekuona muridzi wemotokari; kana zvinhu zvose zvikaparara, hauzove negumbo rekumira, asi iwe uchada maviri kuti ufambe kwese kwese.
Iwe unozofanira kubhadhara chikamu pachikwereti kana mota ichatorwa yotengeswa, ichikusiya uine homwe isina chinhu uye yakawanda nguva yekudemba sarudzo dzako iwe wakamirira bhazi.
Nzira yekudzivirira sei njodzi?
Chero bedzi gadziriro ipi neipi yemari yakazaruka, chaizvoizvo hapana chinetso pakutenga motokari ichiri pasi pechikwereti; ndipo chete apo mutengesi anovanza chokwadi chokuti kuchine mari inofanira kubhadharwa kuti zvinhu zvose zvinoenda pear-shaped.
Kana mutengesi asina kukuudza kuti achiri nechikwereti chemotokari, ndicho chiratidzo chechokwadi chokuti chimwe chezvinhu zviviri zviri kuitika. Mutengesi anokunyengedza nemaune, kana, izvo zvisingaite zvakanyanya, haazive nezve kuvharika kwemota. Chero zvazvingava, inguva yekuenda.
Tarisa iyo Personal Property Securities Register
Nepo izvi zvese zvichinzwika sezvinotyisa, pane iri nyore uye yakachipa nzira yekudzivirira iyo fiasco - tarisa iyo Personal Property Securities Registry kana PPSR.
REVS chimurenga
PPSR izita idzva rechikoro chekare REVS (Register of Encumbered Vehicles) verification iyo yakabviswa muna 2012 (ngangoita shanduro yehurumende, masaiti akavanzika serevs.com.au achiripo).
Iyo PPSR ibhuku rakakura renyika yose rinotevera zvikwereti zvemotokari dzeAustralia, midhudhudhu, mabhoti uye chero chinhu chakakosha, kunyangwe art. Iyo yekare REVS system yaive mamiriro-ne-nyika kunetseka aibata chete nemotokari.
“Munogona kushanyira http://www.ppsr.gov.au kuti mutarise kushandisa nhamba yechiziviso chemotokari,” Davis anotsanangura.
Ita cheki yako yekutanga nguva yaunofunga kutenga mota.
"Kana mota yako yaungave nayo iri pasi pemari, chitupa chaunowana kubva pakutsvaga Personal Property Securities Registry chichava neruzivo rwemhando yechikwereti uye muridzi wechikwereti."
Verification kuburikidza nePPSR inongodhura madhora maviri uye inokupa umboo hwekongiri hwekuti kwete kana kiredhiti iripo. Kutaura zvazviri, zvakachipa zvokuti zvakakodzera kuzviita kaviri.
"Zvakanaka, ita ongororo yako yekutanga nguva yaunofunga kutenga mota," anodaro Davis.
"Ita imwezve cheki pazuva rekutenga usati wapa cheki yekubhangi kana kutumira online, kana mutengesi akatora chikwereti nekukurumidza pakati pezviviri."
Zvakakosha kutenga motokari yechikwereti?
Chero bedzi iwe uchiita basa rako rakakodzera kare uye uchitarisana nemutengesi akatendeseka, hapana chikonzero nei kutenga motokari iyo ichiri pasi pekubhadhara mari inofanira kuva yakaoma kupfuura kutenga motokari ine zita rakajeka. Zvisinei, zvakakosha kuve nechokwadi kuti paunosaina zita rako pabhiri rekutengesa, hapana mari yakasara yechikwereti chemotokari.
"Kana uchizotenga chikwereti chemotokari - pamwe mutengesi haakwanise kubhadhara chikwereti chemotokari kusvika awana mari kubva pakutengesa - saka tengesa kuhofisi yebazi rezvemari rinochengeta chikwereti chemotokari," akadaro. anodaro.Davis.
"Saka unogona kubhadhara mota, mutengesi anogona kudzosera chikwereti, uye iwe unogona kuwana husingaverengeki wemuridzi wemota panguva imwe chete."
Zvakangofanana nekuenda kureal estate agent kana kubhanga kunosaina mapepa ekutenga imba, nhamba chete dziri pamapepa aunosaina hadzinyanyi kumhanyisa moyo wako.
