Mawaniro emhando yepamusoro yechikwereti chemota muAustralia

Isu tinopaza mhando dzakasiyana dze auto mari kuti ikubatsire kusarudza yakanakira sarudzo.

Kana nzeve dzako dzisati dzatepwa, ungangove wakanzwa zvakawanda zvemhindu chatter nguva pfupi yadarika.

Asi kana wazvipotsa, regai titeme nyaya yacho iwe; mibairo yakadzikira uye ingangodzikira (nekuda kwehupfumi hwedu huri kuderera). Uye kunyangwe ivo vachingogara vachitaurwa maererano nerenji, ivo zvakare vane zvikwereti. Zvinorevei? Kana mitengo yepamutemo yakakwira, ndizvo zvakaitawo mitengo yechikwereti chemotokari. Asi padzinenge dzadzikira? Zvakanaka, pamwe yave nguva yekuenda kunotenga.

Saka kubatsira nebasa iri, tinopaza mhando dzakasiyana dzezvikwereti zvemotokari zviripo kuti ikubatsire kusarudza kuti ndeipi yakanakira sarudzo yako.

Izvi zvinonzwika zvakanyanya kuomarara kupfuura zvazvazviri - sekutora chikwereti kune mumwe wevakadzi vaHenry VIII, asi zvinongoreva kuti uri kuisa mota muchikwereti, kutora (kana muridzi) mushure mekubhadhara kwese kunodiwa kwaitwa. zvakaitwa.

Funga nezvazvo sechibatiso chemba, uko imba yacho inongova yako chaiyo mushure mekunge wabhadhara kubhangi zvizere. 

Musiyano mukuru uripo pakati pechimbati cheimba yako uye chikwereti chakachengetedzwa nguva dzose (umo motokari iri chibvumirano uye mukweretesi anogona kuitengesa kana iwe usingakwanisi kubhadhara) ndeyokuti urongwa hwekubhadhara mari hunowanzoshanda pakutenga kwebhizimisi. , kuvhura marudzi ese ekubvisiswa mutero uye zvinodiwa neGST kana mota ichishandiswa zvakanyanya kuita zvebhizinesi.

Asi, sezvakaita chero chikwereti, iwe unosarudza nguva yechibvumirano, uye kubhadhara kwako (kungava pamwedzi kana vhiki nevhiki) kunoverengwa saizvozvo.

Izvi zvinonzwika zvakanyanya kuomarara kupfuura zvazvazviri - sekutora chikwereti kune mumwe wevakadzi vaHenry VIII, asi zvinongoreva kuti uri kuisa mota muchikwereti, kutora (kana muridzi) mushure mekubhadhara kwese kunodiwa kwaitwa. zvakaitwa.

Funga nezvazvo sechibatiso chemba, uko imba yacho inongova yako chaiyo mushure mekunge wabhadhara kubhangi zvizere. 

Musiyano mukuru uripo pakati pechimbati cheimba yako uye chikwereti chakachengetedzwa nguva dzose (umo motokari iri chibvumirano uye mukweretesi anogona kuitengesa kana iwe usingakwanisi kubhadhara) ndeyokuti urongwa hwekubhadhara mari hunowanzoshanda pakutenga kwebhizimisi. , kuvhura marudzi ese ekubvisiswa mutero uye zvinodiwa neGST kana mota ichishandiswa zvakanyanya kuita zvebhizinesi.

Asi, sezvakaita chero chikwereti, iwe unosarudza nguva yechibvumirano, uye kubhadhara kwako (kungava pamwedzi kana vhiki nevhiki) kunoverengwa saizvozvo.

Kurenda patsva kunosuma munhu wechitatu pachibvumirano chekutenga mota, nemushandirwi wako achibatana newe nemukweretesi. Zvakaoma zvishoma kuti upedze pakutanga nekuti uri kukumbirwa kubhadhara chimwe chinhu chausingazove chako chaicho. Saka chikamu che "lease" chekutengesa kwemotokari.

Chaizvoizvo, rendi yekusimudzira inoreva kuti waunoshandira ibato kuchibvumirano chako chekutenga uye anobvumidza iwe kubhadhara mota yako sechikamu chemubhadharo wako wepasuru (iyo inovachengeterawo imwe mari zviri nyore) nekukubhadhara mari yako yemotokari yako kubva kune yako pre- mari yemutero.. Mutero waunowana unozoverengerwa zvichibva pamuhoro wako wakadzikiswa.

Imwe bhonasi yemutero ndeyekuti iwe haufanirwe kubhadhara GST pamutengo wekutenga wemota kana usingaitengi, kuderedza mutengo neimwe 10 muzana.

Zvikwereti zvakawanda zvemotokari zvaunosangana nazvo zvichave "zvakachengetedzwa" zvikwereti, izvo zvinoreva kuti motokari pachayo inoita sechibatiso chako.

Kungofanana nebhangi rinokukweretesa mari yeimba yako, mukweretesi anowedzera kukosha kumotokari achiziva kuti kana ukasabhadhara, anogona kudzosa imwe yemari yacho nokutengesa motokari. Ichi chikwereti chemotokari.

Uchaona kuti mari dzemubereko pazvikwereti zvakachengetedzwa dzinowanzodzikira pane dzisina kuchengetedzwa, zvakanyanya nekuti mukweretesi anozviona sevasina njodzi pane kungopa wadhi yemari pasina kubhadhara kana zvinhu zvikatadza.

Zvikwereti zvemotokari zvakachengetedzwa zvimwe ndiyo yakajairika nzira yechikwereti chemotokari nekuti zviri nyore kwazvo kuti mapato ese anzwisise uye anowanzoshandiswa kutenga mota nyowani uye dzakashandiswa.

Zvikwereti zvakawanda zvemotokari zvaunosangana nazvo zvichave "zvakachengetedzwa" zvikwereti, izvo zvinoreva kuti motokari pachayo inoita sechibatiso chako.

Kungofanana nebhangi rinokukweretesa mari yeimba yako, mukweretesi anowedzera kukosha kumotokari achiziva kuti kana ukasabhadhara, anogona kudzosa imwe yemari yacho nokutengesa motokari. Ichi chikwereti chemotokari.

Uchaona kuti mari dzemubereko pazvikwereti zvakachengetedzwa dzinowanzodzikira pane dzisina kuchengetedzwa, zvakanyanya nekuti mukweretesi anozviona sevasina njodzi pane kungopa wadhi yemari pasina kubhadhara kana zvinhu zvikatadza.

Zvikwereti zvemotokari zvakachengetedzwa zvimwe ndiyo yakajairika nzira yechikwereti chemotokari nekuti zviri nyore kwazvo kuti mapato ese anzwisise uye anowanzoshandiswa kutenga mota nyowani uye dzakashandiswa.

Wakamboona ad inoti "comparison ratio 0.1%"? Pamwe pamureza padyo nemutengesi?

Izvi zvinodaro nekuti makambani emotokari kana vatengesi venetiweki vanogona kuronga mari yekutenga mota vari voga, uye pane dzimwe nguva apo mitengo yavanopa (kazhinji panguva yekutengesa kana paine yakawandisa stock yekutakura) iri nani pane chero chaungaite. mune zvimwe zvitoro. mukweretesi wechinyakare. 

Neimwe nzira, mutengesi anogona kungofara kukuitira basa rakaoma, kunyanya kunyorera chikwereti kubva kune mukweretesi pachinzvimbo chako. Uye zvakare, ivo vanozofarira kuvhara chibvumirano, zvinoreva kuti kunyangwe uine nhoroondo yakaipa yechikwereti, unogona kubva nemota pazuva rimwe chete nekuda kwechikwereti chemotokari pazuva rimwe chete.

Asi yeuka, kana chimwe chinhu chichinzwika kuva chechokwadi zvikuru, kazhinji ndicho. Kuda kuziva kudzoserwa kwemari yechikwereti chako, uye chii chichave mari yese yekutenga, kusanganisira mari dzese. Uye woenzanisa mutengo iwoyo nemutengo waunogona kuwana kubva kune yechitatu-bato rezvemari kambani - bhangi rako kana mumwe mukweretesi - uye zvakachipa sei iwe unogona kuwana mota imwe chete kana iwe ukakwidza mari yako wega.

Iwe unoziva here kuti kune hombe yemortgage brokerage indasitiri? Zvakanaka, kune mabroker emamwe marudzi ese emari, kusanganisira zvikwereti zvemotokari. 

Pfungwa ndeyekuti iwe unobata mutengesi wechikwereti chemota kuti uone kuti imarii yaungade kukwereta uye kuti chikwereti chakachengetedzwa here kana kuti chisina kuchengetedzwa, wobva wavarega vachienzanisa zvikwereti zvemotokari muAustralia.

Mutengesi akanaka anozoongorora kukodzera kwako neakasiyana evakweretesi vodzoka kwauri nerero yakanakisa yemubereko yavanogona kuwana, vachikupa runyoro rwemhando dzepamusoro dzechikwereti chemotokari muAustralia. Zvakanaka, ndiwo mashandiro azvinoita, zvirinani mudzidziso. 

Mutengesi anobva agashira komisheni kubva kumukweretesi waunosarudza (uye dzimwe nguva komisheni yakatarwa yehupenyu hwechikwereti, inozivikanwa se "trace"), uye iwe unochengetedza yakawanda legwork uye unogona kutowana yakaderera mubereko. chikwereti chaungave usina kuziva nezvacho.

Iwe unoziva here kuti kune hombe yemortgage brokerage indasitiri? Zvakanaka, kune mabroker emamwe marudzi ese emari, kusanganisira zvikwereti zvemotokari. 

Pfungwa ndeyekuti iwe unobata mutengesi wechikwereti chemota kuti uone kuti imarii yaungade kukwereta uye kuti chikwereti chakachengetedzwa here kana kuti chisina kuchengetedzwa, wobva wavarega vachienzanisa zvikwereti zvemotokari muAustralia.

Mutengesi akanaka anozoongorora kukodzera kwako neakasiyana evakweretesi vodzoka kwauri nerero yakanakisa yemubereko yavanogona kuwana, vachikupa runyoro rwemhando dzepamusoro dzechikwereti chemotokari muAustralia. Zvakanaka, ndiwo mashandiro azvinoita, zvirinani mudzidziso. 

Mutengesi anobva agashira komisheni kubva kumukweretesi waunosarudza (uye dzimwe nguva komisheni yakatarwa yehupenyu hwechikwereti, inozivikanwa se "trace"), uye iwe unochengetedza yakawanda legwork uye unogona kutowana yakaderera mubereko. chikwereti chaungave usina kuziva nezvacho.

Mari dzemhindu dzevakweretesi vakuru (zvakadai semabhanga makuru mana) dzinowanzokwira pane dzevakweretesi vadiki. Uye izvi ndezvechokwadi kune zvikwereti zvemotokari. 

Mari yangu ichave yei? Zvikwereti zvemotokari zvakachipa Australia

Kuti tione kuti wakaita mutsauko wakadii nemutengo wakaderera unogona kuita, takaverenga kubhadhara kwechikwereti kwemadhora makumi matatu emakumi matatu emakore pamakore mashanu pachikwereti chemotokari muAustralia.

Pa8.49% (bhangi rate), kubhadhara kwako pamwedzi $632.48, zvinoreva kuti chikwereti chichabhadharwa mumakore mashanu. Asi pa5.34 muzana, iyo nhamba inodonha kusvika kumadhora mazana mana nemakumi mashanu neshanu, nechikwereti chadzoserwa panguva imwe cheteyo. 

Kuti tione kuti wakaita mutsauko wakadii nemutengo wakaderera unogona kuita, takaverenga kubhadhara kwechikwereti kwemadhora makumi matatu emakumi matatu emakore pamakore mashanu pachikwereti chemotokari muAustralia.

Pa8.49% (bhangi rate), kubhadhara kwako pamwedzi $632.48, zvinoreva kuti chikwereti chichabhadharwa mumakore mashanu. Asi pa5.34 muzana, iyo nhamba inodonha kusvika kumadhora mazana mana nemakumi mashanu neshanu, nechikwereti chadzoserwa panguva imwe cheteyo. 

Hapana chakavanzika chikuru chekubvumidzwa kukwereta - vanokweretesa vanoda kukweretesa (mushure mezvose, ndiwo maitiro avanoita mari yavo) uye vazhinji vanoedza kutsvaga nzira yekuita kuti zviitike. 

Ehe, kuva nechikwereti chepamusoro, mari yenguva dzose, uye kugona kuripa chikwereti kunoshandira iwe. 

Izvo zvisinganyatsozivikanwa, zvisinei, ndezvekuti mitengo, senge zvinhu zvakawanda, zvinogoneka kutaurirana. Usatya kutenga uchikumbira mutengo uri nani pane kushambadzwa - unogona kushamiswa nezvinogoneka.