Momwe mungagulire galimoto yomwe yaperekedwa ndi ndalama
Ndi chisamaliro choyenera, kugula galimoto yomwe idakali pansi pa ndalama sikuyenera kukhala vuto.
Pali kusiyana kochepa kakang'ono koma kofunikira pakati pa kugula nyumba ndi kugula galimoto, ndi kusiyana kwakung'ono kwa mtengo kukhala mwinamwake kowonekera kwambiri. Kachiwiri, sitiganiza zogula malo kuchokera kwa munthu yemwe ali ndi ngongole masauzande kapena mamiliyoni a madola chifukwa cha izi, chifukwa mabanki amalipira mabanki ena kuti atseke ngongole zanyumba - ndi gawo chabe la mgwirizano.
Komabe, kugula galimoto yothandizidwa ndi ndalama kumakhala kovuta kwambiri kuposa kuyesa kuvina tsaya ndi tsaya mozungulira Louvre ndi Mona Lisa. Ndithudi, kugula galimoto yandalama n’kopindulitsa mofanana ndi kugula nyumba, kunena zoona.
Chifukwa chake kuthekera kwa malonda achinsinsi kusandulika kukhala vuto lazachuma sikuyenera kukuwopsyezani; Ndi magalimoto ogwiritsidwa ntchito oposa XNUMX miliyoni ku Australia chaka chilichonse, ubwino wogula mwachinsinsi ukuwonekera.
Zonse zomwe muyenera kuchita, monga kugula kwakukulu kulikonse, ndikukonzekera pasadakhale pankhani ya zachuma, monga momwe mungachitire poganizira za kukonza galimoto, mbiri yautumiki, ndi zina zotero.
Muyenera kukhala otsimikiza za chuma cha galimoto, ndithudi, chifukwa udindo woyang'anira uli ndi inu, ndipo ngati simutero, mukhoza kugwera m'dziko la zowawa.
Kodi zovuta zomwe zingakhalepo ndi zotani?
Monga tafotokozera m'nkhani yathu yokhudza kugulitsa magalimoto olipidwa, zonse zimatengera momwe ngongole zamagalimoto zimagwirira ntchito. Chifukwa ndalama zamagalimoto zimagwiritsa ntchito galimotoyo ngati chikole, ngongole imayikidwa pagalimoto, osati mwiniwake. Mwiniwake adakali ndi udindo wobwezera ngongoleyo, ndipo mpaka atatero, ndalama zonse zomwe zatsala pa ngongoleyo zimagwiridwa ndi galimoto osati wobwereka.
Apa ndipamene ogula magalimoto ogwiritsidwa ntchito amatha kusokonezeka pang'ono. Ngakhale ogulitsa ndi nyumba zogulitsira akuyenera kupereka umboni wa eni ake ndipo akukumana ndi zilango zowopsa chifukwa chophwanya udindo wawo, ogulitsa payekha satsatira malamulo omwewo.
Chiwopsezo chachikulu chogula galimoto yokhala ndi ndalama ndizoti mudzataya galimotoyo.
Izi zikutanthauza kuti mavuto angapo amatha kubisala kumbuyo kwa zomwe amati ndizabwino, kuphatikiza zobisika mgalimoto. Ngati mutagula galimoto mosadziwa ndi ndalama zomwe munabwereka, mutha kukhala ndi ngongole kapena kutaya galimoto yanu pamene kampani yazachuma ikubwezanso kuti ibweze zomwe zatayika, Justin Davis wa CANSTAR Credit Scoring Services akufotokoza.
Iye anati: “Chiwopsezo chachikulu chogulira galimoto yokhala ndi ndalama n’chakuti galimotoyo idzawonongeka.
"Ngati galimotoyi idagwiritsidwa ntchito ngati chikole pa ngongole, ndiye kuti bungwe lazachuma lili ndi umwini."
Ndizovuta kwambiri. Pansi pa malamulo aku Australia, wogula ali ndi udindo wotsimikizira umwini wagalimoto; ngati chirichonse chikugwa, inu simudzakhala ndi mwendo kuima, koma inu muyenera awiri kuyenda kulikonse.
Muyenera kulipira ngongole pa ngongole kapena galimoto idzalandidwa ndikugulitsidwa, ndikusiyani ndi matumba opanda kanthu komanso nthawi yochuluka yonong'oneza bondo pazosankha zanu pamene mukudikirira basi.
Kodi mungapewe bwanji ngozi?
Malingana ngati pangano lililonse lazachuma liri lotseguka, palibedi vuto ndi kugula galimoto yomwe imayenera kubwerekedwa; ndipamene wogulitsa abisa kuti pali ndalama zoti zilipire kuti zonse zimayenda ngati peyala.
Ngati wogulitsa sanakuuzeni kuti ali ndi ngongole ya galimotoyo, ndicho chizindikiro chotsimikizika kuti chimodzi mwa zinthu ziwiri chikuchitika. Wogulitsa mwina amakunyengererani mwadala, kapena, zomwe sizingatheke, sakudziwa za kutsekeka kwa galimotoyo. Mulimonsemo, ndi nthawi yoti muchoke.
Chongani Personal Property Securities Register
Ngakhale kuti zonsezi zikumveka zowopsya, pali njira yosavuta komanso yotsika mtengo yopewera fiasco - onani Personal Property Securities Registry kapena PPSR.
Kusintha kwa REVS
PPSR ndi dzina latsopano la chitsimikizo cha sukulu yakale ya REVS (Register of Encumbered Vehicles) yomwe idachotsedwa mu 2012 (osachepera mtundu wa boma, masamba achinsinsi ngati revs.com.au akadalipo).
PPSR ndi kaundula wapadziko lonse lapansi yemwe amatsata ngongole zamagalimoto aku Australia, njinga zamoto, mabwato ndi chilichonse chamtengo wapatali, ngakhale zaluso. Dongosolo lakale la REVS linali vuto la boma lomwe limagwira ntchito ndi magalimoto okha.
"Mutha kupita ku http://www.ppsr.gov.au kuti muwone kugwiritsa ntchito nambala yozindikiritsa galimoto," akufotokoza motero Davis.
Pangani cheke chanu choyamba mukaganizira kugula galimoto.
"Ngati galimoto yomwe mungakhale nayo ili ndi ndalama, satifiketi yomwe mumapeza pofufuza Personal Property Securities Registry imakhala ndi tsatanetsatane wamtundu wangongole komanso yemwe ali ndi ngongoleyo."
Kutsimikizira kudzera mu PPSR kumangotengera $2 yokha ndipo kumakupatsani umboni weniweni wa ayi kapena ngongole yomwe ilipo. Ndipotu, ndizotsika mtengo kotero kuti ndizoyenera kuchita kawiri.
"Choyenera, fufuzani koyamba mukangoganiza zogula galimoto," akutero Davis.
"Chitaninso cheke china patsiku logula musanapereke cheke ku banki kapena kusamutsa pa intaneti, ngati wogulitsa atenga ngongole mwachangu pakati pa awiriwo."
Kodi ndi koyenera kugula galimoto yangongole?
Malingana ngati mukuchita khama lanu musanayambe ndikuchita ndi wogulitsa woona mtima, palibe chifukwa chomwe kugula galimoto yomwe idakali ndi ndalama kuyenera kukhala kovuta kuposa kugula galimoto yokhala ndi mutu womveka bwino. Komabe, ndikofunikira kuwonetsetsa kuti mukamasaina dzina lanu pabilu yogulitsa, palibe ndalama zotsalira zagalimotoyo.
"Ngati mugula ngongole ya galimoto - mwinamwake wogulitsa sangathe kulipira ngongole yawo ya galimoto mpaka atakhala ndi ndalama zogulitsa - ndiye gulitsani ku ofesi ya bungwe lazachuma lomwe lili ndi ngongole ya galimoto," iye akuti, Davis.
"Kuti mutha kulipira galimotoyo, wogulitsa akhoza kubweza ngongoleyo, ndipo mutha kukhala ndi umwini wagalimoto nthawi yomweyo."
Zili ngati kupita kwa wogulitsa nyumba kapena kubanki kukasaina mapepala ogula nyumba, manambala okha pamapepala omwe mwasaina ndi omwe angakupangitseni kuthamanga kwa mtima.
