EOFY Vehicle Financing Inotsanangurwa

Kubhadhara motokari kunogona kuva kunonyengera, asi izvi ndizvo zvaunofanira kuchengeta mupfungwa paunotenga motokari yeEOFY.

Saka, mushure mekufemba mhepo - nekuchenjerera kukuru - uye nekuona kuti kupera kwegore rezvemari 2019-2020 kuchava imwe yemikana mikuru yekuwana dhizaini pamotokari nyowani, unosara uine mibvunzo miviri chete.

Yekutanga inosekesa kuti ndeipi mota yekusarudza kuti inokuunzira iwe mufaro wakanyanya uye/kana kuita kwezuva nezuva uye kushandiswa (uye pamwe iruvara rwakaita sei), nepo yechipiri ichinyanya pragmatic uye inogona kudzikisira mhinduro dzako. kumubvunzo wekutanga, uchabhadhara sei?

Kunyange paine zvakawanda zvinofanirwa kutaurwa nezve kuchengetedza mota yaunokwanisa kutenga uye kubhadhara mari - zvinokuisa iwe mugehena rekutaurirana kutanga - mikana inowanikwa muEOFY iyi sezvo vatengesi vemotokari vachinetseka kuti vawedzere kutengesa kwavo. . zvibodzwa zvisati zvamboitika uye nekudaro kumhanyisa kukupa zvinoshamisa uye pamwe zvakasarudzika zvinopihwa zvakawandisa kuti upfuure.

Izvi zvinoreva kuti uri kushandisa mari iwe hausati watofanira kuchengetedza mari munguva refu, asi uchiri kuwana mota itsva inoshuviwa nekukurumidza. Uye izvo zvinoreva kunyura mune autofinancing chikwereti dziva.

Zvisinei, usatya. Mota dzinodhura - kune vazhinji vedu, ndiyo yechipiri muripo mukuru watichamboita - asi kune akawanda masangano emari kunze uko anoda kubatsira. Chokwadi, mumusika wazvino uno, uri kushushikana zvishoma, vanokweretesa vanogona zvakare kuda zvishoma pane zvakajairwa kukupa dhiri iri nani kupfuura nakare kose pazvinhu zvakaita semitengo yemubereko, kungowana vamwe vatengi.

Mumazuva ese, pre-virus nguva, indasitiri yechikwereti chemotokari yeAustralia yakakura: muna 220, mukweretesi seSt. George's ega akaita madhora miriyoni makumi maviri ezvikwereti zvemotokari pamwedzi. Zvinoenderana nePositive Lending Solutions, zvikwereti zvemotokari zvinogadzira zvishoma. zvinopfuura zvikamu zvitatu kubva muzana zvezvikwereti zvese zvemuAustralia zvemumba, zvichireva kuti kana ukaita pakati nepakati, tese tichava nechikwereti chemotokari chinosvika madhora mazana matanhatu nemakumi manomwe pachimwe nechimwe.

Muchidimbu, hausi wega kana uri kufunga nezve mari yemotokari nyowani - muna 2017, mota imwe chete mushanu yakatengwa pachishandiswa chikwereti munyika ino, uye mari yese yechikwereti yaive mabhiriyoni masere nemazana mashanu emadhora. Kanda mumotokari dzakashandiswa uye mamwe marudzi emotokari uye nhamba inokwira kusvika kumadhora mabhiriyoni gumi nematanhatu.

Zvakakosha here kushandisa mari kutenga motokari itsva?

Iwe hausi wega kana uri kufunga nezve mari yemotokari itsva.

Kungoti isarudzo yakakurumbira hazvireve kuti ndeyemunhu wese, hongu, uye uchagara uchiwana mumwe munhu - kazhinji baba vako - vanozopokana kuti kukwereta mari yekutenga pfuma inoderera ipfungwa yakaipa, uye kuti, a Mortgage uye chikwereti chemotokari zvakasiyana kwazvo kutengeserana kwemari.

Pfungwa, hongu, ndeyokuti kutenga motokari itsva, inoshanda, yakachengeteka, uye yakavimbika haigoni kukuchengetedza mari chete, asiwo kuwedzera mikana yako yekuwana. Kutyaira bhomba rekare, sezvatinoziva tose, kunogona kudhura zvakanyanya kupfuura mota yakanaka munguva refu.

Uye, zvakare, zvakafanira kufunga kuti madhiri achaedza sei mwaka uno weEOFY. Ino haisi nguva yekurovha.

Pane munhu achakukweretesa mari here?

Zvakanaka, zvese zvinouya kunhoroondo yako yechikwereti, ayo makambani emari anoongorora kugona kwako kubhadhara chikwereti. Izvi zvinosanganisira mari yaunowana iye zvino, kadhi rechikwereti nemamwe mazinga echikwereti, uye kuongororwa kwemari yako uye mari inoraswa.

Zvamazvirokwazvo, nhoroondo yako yechikwereti inokosha, uye kana nhoroondo yako yechikwereti yakaipa—nemhaka yokubhadharwa kwenguva dzose kana kuti netsaona munguva yakapfuura, kana kuti, zvakatoipisisa, yakabatwa neimwe nzira—haizoparadzwi. zvinobatsira. Chokwadi, izvi zvinogona kuita kuti iwe ubhadhare mareti emubereko akanyanya kana kusapihwa mari zvachose.

Asi kunyange kana zvakadaro, usavhunduka. Ingoita zviri nani.

"Kana ukabhadhara nenguva mukati memwedzi gumi nemiviri, unokwanisa kuvaka patsva zvibodzwa zvako uye wowana mareti emubereko akaderera," wemukati memusika wedu anotiudza.

“Nhoroondo ndiyo—nhoroondo. Unogona kushandura chikwereti chako uye zvichaita kuti hupenyu huve nyore uye huchichipa mune ramangwana. "

Sezvaungave uchiziva, makambani emari anoshandisa mapoinzi system kuona kugona kwako kubhadhara uye mari yavanokukweretesa. Vanowanzo shandisa inonzi Henderson Poverty Index, inonzwisa tsitsi asi chiri chikero chinotsvedza chinoshandiswa kuyera mamiriro ako emari, semari yaunowana, mamiriro ewanano yako, kuti wanga uchishanda kwenguva yakareba sei, une vana vangani. etc. pa.

Mhando yemotokari yauri kutarisa ichakanganisawo mari yaunogona kukwereta uye mubereko wauchabhadhara—somuenzaniso, mitengo yechikwereti pamotokari yakashandiswa inodhura kupfuura pamotokari itsva.

Ndeapi marudzi ezvikwereti zvemotokari aripo?

Mari yemubereko pachikwereti chemotokari yakakwira kupfuura chikwereti chemba, uye zvine musoro kubhadhara chikwereti nemari yepamusoro yekutanga.

Sekureva kweAutomotive Holdings Group (AHG), iyo inozvibhadharira seboka guru remotokari reAustralia, hurongwa hwekubhadhara motokari hunozivikanwa zvikuru chibvumirano chechikwereti chakatarwa.

Flat rate marongero anoshandiswa neanosvika 70% yevatengi vega.

Shanduko muNational Consumer Credit Protection Regulations inobata vatengesi vemotokari nevemari zvakakonzera kuti mabhanga asimbise maitiro avo ekukweretesa vanhu mukati memakore mashoma apfuura, zvichireva kuti vanhu vazhinji vari kutenga kuburikidza nemakambani echikwereti emotokari - rudzi rwaUnopihwa pa mutengesi wemotokari kana uchitenga mota.

"Mari yakaomesesa nekuda kwemitemo," anodaro AHG. "Asi zvakakonzera kuti vatengesi vanyore mari yakawanda."

Hongu, zvakakosha kuyeuka kuti kupa mari ndeimwe nzira iyo mutengesi wemotokari anogona kucheka tikiti paunenge uchitengesa mota itsva, saka unogona kunge uchibhadhara mubereko wakakwira zvishoma kana ukaenda nenzira iyoyo. Zvakakosha kuenzanisa kuti ndedzipi dzimwe mhando dzezvikwereti zvemunhu zviripo - nekuda kwekuti kuwana chikwereti chemotokari kubva kubhangi kungave kwakaoma hazvirevi kuti hazvibviri.

Vamwe vanokweretesa vanotaura kuti vanhu vanyanya kukoshesa mutengo - vasingade kukwereta mari yakawanda - kubva padambudziko remari repasi rose, maitiro angangonyanya kunyanyisa sezvo kudzikira kwehupfumi kuri kuramba kuchikwira.

Vanhu vazhinji vachiri kushandisa zvinonzi "personal property mortgages" kana kuti "consumer loans", yaimbonzi "installment buy" zvibvumirano. Usavhiringika nezita, zvese zvazvinoreva ndezvekuti chikwereti chinochengetedzwa nemota yauri kutenga. Kana iwe usingakwanisi kubhadhara, mukweretesi anoziva kuti vanogona kutora motokari uye kuitengesa kuti vadzose mari yavo.

Pamusika pari zvino, vanokweretesa vari kudawo kugadzirisa zvikwereti kune vanhu vane mari shoma, izvo zvinoreva kuti zvikwereti zvinoitwa kwenguva refu kuitira kuti mari dzepamwedzi dzidzikire.

Inyaya yekukurumidza

Mota dzinodhura - kune vazhinji vedu, imari yechipiri yakakura yatingamboita.

Nekudaro, zvakakosha kuti utarise nhamba imwe chete, inova mubereko waunobhadhara. Kana iwe uine yakanaka kiredhiti mamakisi uye chero rubatso kunze kwemota yauri kutenga, senge imba yako, ipapo iwe uchawana yakaderera zvakanyanya. Kutenga kunogonawo kubatsira kuderedza nhamba yemashiripiti.

Sokutaura kunoita Anthony Keen, mupepeti wemagazini inonzi Your Money, “Kubhadhara mubereko wakawandisa kwakafanana nokurasa mari napahwindo, uye tinowanzoita ikoku nemotokari itsva dzinoderera nokukurumidza patinongoenda nadzo.”

Mari yechikwereti yemotokari yazvino inotangira kubva pashanu kubva muzana kusvika gumi muzana, kana kupfuura kana isina kuchengetedzwa. Kuvhara chibvumirano pamwero wakaderera kuchaita mutsauko mukuru pamari yaunodzosera pachikwereti chemadhora makumi maviri ezviuru mumakore mashanu, izvo zvakakosha mazuva ano patinochengeta dhora rega rega ratinoshandisa.

"Tora nguva yekuwana zvipo zviviri kana zvitatu kubva kune vanokweretesa vakasiyana, uye shanyira mawebsite ekuenzanisa nevatengi seInfoChoice neCanstar kuti uone kuwanda kwevakweretesi uye zvingasarudzwa zviripo," anodaro Mr. Keene.

“Mari yechikwereti pachikwereti chemotokari yakakura kudarika yemba, uye zvine musoro kutanga wabhadhara chikwereti chacho nemhindu yakakwira. Unogona kuchengetedza mari nekufambisa mhepo semutero kudzoserwa muchikwereti chemotokari yako kana chimiro chechikwereti chichibvumira, nepo vamwe vanhu vachipa mota dzavo mari vachishandisa kuenzana mudzimba dzavo.