Kodi ndipeze lendi yatsopano ya EOFY iyi?

Kubwereketsanso kutha kukhala njira yabwino yopezera galimoto yatsopano kumapeto kwa chaka chandalama, koma pali zinthu zina zomwe muyenera kukumbukira.

M’mavuto azachuma amene tikukumana nawo panopa, kodi panakhalapo nthaŵi yabwinopo yopezera munthu wina kulipira galimoto yanu yatsopano?

Kunena chilungamo, sipakhala nthawi yoyipa yochita zinthu ngati izi, koma kumapeto kwa chaka chandalama cha 2019-2020, chingakhale chanzeru kukonzekera miyezi 12 yomwe ikubwerayi pofunsa abwana anu kuti akuthandizeni. mtengo wokhala ndi galimoto.

Ndipo njira yabwino kwambiri yochitira izi, mukangoyamba kumene, ndikubwereketsa kwatsopano.

Musati muwopsezedwe ndi mawu oti "rent", poyambira. Ngakhale kuti nthawi zonse mungakonde kulipira nyumba yanu m'malo mobwereketsa ya munthu wina ndiyeno kubwereketsa ngongole yake, zinthu sizili chimodzimodzi pankhani ya magalimoto, omwe ambiri aife ndi achiwiri abwino kwambiri. chinthu chodula kwambiri chomwe tingagule.

Ponena za kusinthika, Investopedia ikufotokoza mothandiza kuti ndi "mchitidwe wochotsa mgwirizano womwe ulipo ndi mgwirizano watsopano pomwe onse okhudzidwa amavomerezana kuti asinthe." Ngati chinenerochi chikukupwetekani mutu, simuli nokha ndipo mwina sindinu akauntanti kapena loya, ndiye tiyeni tichepetseko.

Kodi kubwereketsa kokwezedwa ndi chiyani ndipo n'chifukwa chiyani mukufunikira?

Pamapeto pa nthawi yobwereketsa, muli ndi mwayi wosinthanitsa galimotoyo kuti ikhale yatsopano ndikupereka yogwiritsidwa ntchito.

Njira yosavuta yoperekera kubwereketsa komwe abwana anu amalandira chithandizo chandalama kuti akuthandizeni "kugula" galimoto (simudzakhala "yake" pamtundu uliwonse, mudzangoigwiritsa ntchito, koma tibwereranso ku izi. ) kukumbukira pamene makolo anu anakuthandizani kugula galimoto yanu yoyamba ndipo munagwiritsa ntchito banki ya amayi anu ndi abambo anu. Pokhapokha, abwana anu azikhala okhwima pamalipiro.

Chifukwa chake, kwenikweni, kubwereketsanso kumatanthauza kuti abwana anu alowa nanu papangano lanu latsopano logula galimoto ndikukulolani kuti mulipire galimoto yanu ngati gawo la phukusi lanu lamalipiro, zomwe zimawalolanso kusunga ndalama. .

Chimodzi mwazinthu zabwino kwambiri komanso zovuta kwambiri pakubwereketsa kosinthidwa ndikuti mumalipidwa ndalama zogulira galimotoyo kuchokera ku ndalama zomwe mumapeza musanakhome msonkho (ndalama zanu zonse, ngati mungafune).

Izi zikutanthauza kuti msonkho wa ndalama zomwe mumapeza umawerengedwa pa malipiro anu omwe achepetsedwa, zomwe zimakusiyani ndi ndalama zochulukirapo. Ndipo ndizomwe tonse tidzayesetsa kuposa kale lonse pamene tikuyesera kuthana ndi vuto lachuma / kukhumudwa / tsoka lapadziko lonse lapansi.

Kumbukirani kuti ngati mutatenga ngongole ndikudzigulira nokha galimoto, kapena kukambirana nokha za lendi, mungakhale mukulipira ndalama zomwe mumapeza pambuyo pa msonkho, yomwe ndi njira yosasangalatsa kwambiri.

Phindu lina losavuta kumva la msonkho pogwiritsa ntchito njira yobwereketsa yobwereketsa ndikuti simudzayenera kulipira GST pamtengo wogula wagalimoto yanu (ndi msonkho wamalonda ndipo mukubwereketsa). m'malo mogula), zomwe zimakupulumutsirani 10% pamwamba pa mtengo wamndandanda (kotero ngati galimoto yatsopano ikuwononga $100,000, nthawi zambiri mumayenera kulipira $110,000, koma mumasunga $10 ndi kubwereketsa), zomwe ndi ndalama zosavuta. .

Kunena mwachidule momwe tingathere, umu ndi momwe wowerengera angachitire zomwezo pogwiritsa ntchito chilankhulo chandalama: “Kukonzanso kobwereketsa kumakhudza inu, wogulitsa zombo zanu, ndi abwana anu. Izi zimalola olemba ntchito kapena bizinesi kubwereka galimoto m'malo mwa wogwira ntchito, wogwira ntchitoyo, osati bizinesi, yemwe ali ndi udindo wolipira.

"Kusiyana pakati pa zobwereketsa zotsitsimutsidwa ndi ndalama wamba ndikuti ndalama zomwe mumalipira galimoto yanu zimaphatikizanso ndalama zonse zoyendetsera galimoto ndipo zimachotsedwa pamalipiro anu amisonkho isanakwane, ndiye ngakhale mutapereka msonkho wanji, padzakhala phindu nthawi zonse."

Inde, chinthu choyendetsa mtengo ndichofunikanso kudziwa.

Nanga zonsezi zimagwira ntchito bwanji?

Kubwereketsanso kumakhudza inu, wogulitsa zombo zanu, ndi abwana anu.

Chabwino, gawo lina lazatsopanoli ndikuti mumapeza abwana anu kuti agwirizane nanu mu mgwirizano watsopanowu komwe amakuthandizani kulipira magalimoto mkati mwa malipiro omwe mwagwirizana.

EOFY iliyonse ndi nthawi yabwino kukambirana za kukonzanso phukusi lanu la malipiro, ndipo chaka chino, ndi mabizinesi ambiri omwe akufunafuna ndalama zambiri, mwina adzakhala malo abwinoko kuposa kale kuti afunse chinachake ngati mgwirizano wobwereketsa.

Ndiye mukhoza kupita ku sitolo kukatenga galimoto ndi kufunsa wogulitsa za kubwereketsa amapereka.

Kawirikawiri, mudzabwereka galimoto yatsopano kwa zaka ziwiri (nthawi yokwanira kuti musangalale ndi galimotoyo ndiyeno mukufuna kugula yatsopano), koma nthawi zina zaka zitatu kapena zisanu.

Pamapeto pa nthawi yobwereketsa iyi, muli ndi mwayi wosankha kugulitsa galimoto yatsopano ndikubweza yogwiritsidwa ntchito, zomwe anthu ambiri amachita bola ngati owalemba ntchito akadali bwino ndi lingaliro lakubwereketsa, kapena mutha kulipira. chindapusa chodziwikiratu chomwe chimadziwika kuti ndalama zonse ndikusunga ndi galimoto yomwe mwabwereka.

Tangoganizani kuti mukuwomba ndalama mu baluni, ndipo malipiro anu a mwezi ndi mwezi akuwonjezera. Baluni ikadzadza, mudzakhala eni galimoto, koma zomwe mumayika pa nthawi yobwereketsa sizikhala zokwanira kufikira mtengo wogula.

Kotero pokhapokha ngati mukufuna kungokhala mu pulogalamu yobwereketsa ndikupeza galimoto yatsopano zaka zingapo zilizonse, muyenera kudzaza buluni ndi ndalama zanu kuti mukhale ndi galimoto yonse. Chifukwa chake "malipiro a baluni".

Kodi mumapulumutsa ndalama zingati pogwiritsa ntchito renti yokonzedwanso?

Kubwereketsa kwatsopano kungakupulumutseni ndalama zazikulu.

Mwamwayi, pali zowerengetsera zosinthidwa zosinthidwa zamagalimoto monga iyi pa streetfleet.com.au zomwe zingakuchitireni masamu chifukwa pali zosintha zingapo zowonjezera; monga mtengo wagalimoto yanu, ndalama zomwe mumapeza komanso nthawi yomwe mukufuna kubwereka.

Ngakhale kuti phindu lingakhale lodziwikiratu, ndalama zenizeni zomwe mukufuna kusunga zidzadalira kwambiri mikhalidwe yanu.

Kumbukirani kuti ngati ntchito yanu itachotsedwa kapena kusintha ntchito, mudzapita kwa abwana anu, mutanyamula kapu m'manja, ndikuwapempha kuti akuwonjezereni lendi yatsopano yomwe munali nayo kale.

Apo ayi, mudzakakamizika kuthetsa kubwereketsa ndikulipira ngongole yotsalayo. Mukhozanso kukakamira ndi chindapusa chonyamuka. Monga nthawi zonse, m'pofunika kuwerenga madotolo, ndi kuwawerenga mosamala.

Ndipo yerekezerani chiwongola dzanja chomwe mudzalipire pa ngongole yobwerezedwanso poyerekeza ndi ngongole yagalimoto yanthawi zonse, chifukwa zitha kukhala zapamwamba. Muyenera kuyeza izi poyerekezera ndi ndalama zomwe munasunga musanayambe msonkho. Ngongole yamagalimoto yokhazikika sikukulolani kugula galimoto yatsopano zaka zingapo zilizonse.

Mwachidule, sipanakhalepo nthawi yabwino kuposa EOFY yomwe ikubwera kuti mutengere ndikuganizira zomwe zili zabwino kwa inu pankhani yogula makina atsopano.