Momwe mungapezere mitengo yabwino kwambiri yobwereketsa magalimoto ku Australia
Timagawa mitundu yosiyanasiyana yandalama zamagalimoto kuti tikuthandizeni kusankha njira yabwino kwambiri.
Ngati makutu anu sanatepidwe, mwina mwamvapo za chiwongola dzanja chambiri posachedwapa.
Koma ngati mwaphonya mwanjira ina, tiyeni tikuduleni nkhaniyo; chiwongola dzanja ndi chochepa ndipo chikhoza kutsika (chifukwa chachuma chathu chomwe chikucheperachepera). Ndipo ngakhale amatchulidwa pafupifupi nthawi zonse zokhudzana ndi ngongole zanyumba, amakhalanso ndi ngongole. Kutanthauza chiyani? Mitengo ya boma ikakwera, momwemonso mitengo ya ngongole zamagalimoto. Koma ali otsika liti? Chabwino, mwina ndi nthawi yopita kukagula.
Chifukwa chake kuti tithandizire pa ntchitoyi, tikugawana mitundu yosiyanasiyana ya ngongole zamagalimoto zomwe zilipo kuti zikuthandizeni kusankha yomwe ili yabwino kwa inu.
Izi zikumveka zovuta kwambiri kuposa momwe zilili - monga kutenga ngongole kwa mmodzi mwa akazi a Henry VIII, koma zimangotanthauza kuti mukubwereketsa galimotoyo, kutenga (kapena umwini) pokhapokha mutalipira zonse zofunika. anapangidwa.
Ganizirani izi ngati ngongole yanyumba, pomwe nyumbayo ndi yanu mutalipira ndalama zonse kubanki.
Kusiyana kwakukulu pakati pa kubwereketsa pa katundu waumwini ndi ngongole yotetezedwa nthawi zonse (momwe galimoto ndi chikole ndipo wobwereketsa akhoza kuigulitsa ngati simungathe kulipira) ndikuti ndondomeko yandalamayi nthawi zambiri imagwira ntchito pogula bizinesi. , kutsegula mitundu yonse ya kuchotsera msonkho ndi zofunikira za GST ngati galimotoyo imagwiritsidwa ntchito makamaka pazinthu zamalonda.
Koma, monga ndi ngongole iliyonse, mumasankha nthawi ya mgwirizano, ndipo malipiro anu (kaya mwezi uliwonse kapena sabata iliyonse) amawerengedwa moyenerera.
Izi zikumveka zovuta kwambiri kuposa momwe zilili - monga kutenga ngongole kwa mmodzi mwa akazi a Henry VIII, koma zimangotanthauza kuti mukubwereketsa galimotoyo, kutenga (kapena umwini) pokhapokha mutalipira zonse zofunika. anapangidwa.
Ganizirani izi ngati ngongole yanyumba, pomwe nyumbayo ndi yanu mutalipira ndalama zonse kubanki.
Kusiyana kwakukulu pakati pa kubwereketsa pa katundu waumwini ndi ngongole yotetezedwa nthawi zonse (momwe galimoto ndi chikole ndipo wobwereketsa akhoza kuigulitsa ngati simungathe kulipira) ndikuti ndondomeko yandalamayi nthawi zambiri imagwira ntchito pogula bizinesi. , kutsegula mitundu yonse ya kuchotsera msonkho ndi zofunikira za GST ngati galimotoyo imagwiritsidwa ntchito makamaka pazinthu zamalonda.
Koma, monga ndi ngongole iliyonse, mumasankha nthawi ya mgwirizano, ndipo malipiro anu (kaya mwezi uliwonse kapena sabata iliyonse) amawerengedwa moyenerera.
Kubwereketsanso kumalowetsa munthu wina pa mgwirizano wogula galimoto, bwana wanu akubwera nanu ndi wobwereketsa. Ndikovuta pang'ono kuti muthe poyamba chifukwa mukufunsidwa kuti mulipire chinthu chomwe simungakhale nacho. Chifukwa chake gawo la "kubwereketsa" la mgwirizano wobwereketsa magalimoto.
Kwenikweni, kubwereketsa kokwezedwa kumatanthauza kuti abwana anu ndi gawo la mgwirizano wanu wogula ndipo amakulolani kuti mulipire galimoto yanu ngati gawo la ndalama zomwe mumalipira (zomwe zimawasungiranso ndalama) pokulipirani zolipirira zamagalimoto anu kuchokera pazomwe mudalipira kale. mtengo wa msonkho.. Misonkho yomwe mumapeza imawerengedwa kutengera malipiro anu omwe achepetsedwa.
Bhonasi ina ya msonkho ndi yakuti simuyenera kulipira GST pa mtengo wogula galimoto pamene simukugula, kuchepetsa mtengo ndi 10 peresenti.
Ngongole zambiri zamagalimoto zomwe mumapeza zimakhala ngongole "zotetezedwa", zomwe zikutanthauza kuti galimotoyo imakhala ngati chikole chanu.
Monga momwe banki imakubwereketsani ndalama zogulira nyumba yanu, wobwereketsa amawonjezera mtengo pagalimoto podziwa kuti ngati simukulipira, akhoza kubweza ndalama zina pogulitsa galimotoyo. Iyi ndi ngongole yamagalimoto.
Mupeza kuti chiwongola dzanja pa ngongole zotetezedwa nthawi zambiri zimakhala zotsika poyerekeza ndi zosatetezedwa, makamaka chifukwa wobwereketsa amawawona ngati osawopsa kuposa kungopereka ndalama zambiri osabweza ngati zinthu sizikuyenda bwino.
Ngongole zamagalimoto zotetezedwa mwina ndizofala kwambiri za ngongole zamagalimoto chifukwa ndizosavuta kuti onse awiri amvetsetse ndipo nthawi zambiri amagwiritsidwa ntchito pogula magalimoto atsopano komanso ogwiritsidwa ntchito.
Ngongole zambiri zamagalimoto zomwe mumapeza zimakhala ngongole "zotetezedwa", zomwe zikutanthauza kuti galimotoyo imakhala ngati chikole chanu.
Monga momwe banki imakubwereketsani ndalama zogulira nyumba yanu, wobwereketsa amawonjezera mtengo pagalimoto podziwa kuti ngati simukulipira, akhoza kubweza ndalama zina pogulitsa galimotoyo. Iyi ndi ngongole yamagalimoto.
Mupeza kuti chiwongola dzanja pa ngongole zotetezedwa nthawi zambiri zimakhala zotsika poyerekeza ndi zosatetezedwa, makamaka chifukwa wobwereketsa amawawona ngati osawopsa kuposa kungopereka ndalama zambiri osabweza ngati zinthu sizikuyenda bwino.
Ngongole zamagalimoto zotetezedwa mwina ndizofala kwambiri za ngongole zamagalimoto chifukwa ndizosavuta kuti onse awiri amvetsetse ndipo nthawi zambiri amagwiritsidwa ntchito pogula magalimoto atsopano komanso ogwiritsidwa ntchito.
Kodi mudawonapo zotsatsa zomwe zimati "chiyerekezo choyerekeza 0.1%"? Mwina pa mbendera pafupi ndi malo ogulitsa?
Izi zili choncho chifukwa makampani amagalimoto kapena ma network awo ogulitsa amatha kukonza ndalama zogulira galimoto paokha, ndipo pali nthawi zina mitengo yomwe amapereka (nthawi zambiri panthawi yogulitsa kapena pakakhala katundu wochulukirapo) amakhala wabwino kuposa chilichonse chomwe mungafune. pezani m'masitolo ena. wobwereketsa wachikhalidwe.
Kapenanso, wogulitsa akhoza kukhala wokondwa kukugwirirani ntchito molimbika, makamaka ndikufunsira ngongole kwa wobwereketsa m'malo mwanu. Ndipo chowonjezerapo, iwo adzakhala ndi chidwi chotseka mgwirizano, zomwe zikutanthauza kuti ngakhale mutakhala ndi mbiri yoyipa yangongole, mutha kuchoka pagalimoto tsiku lomwelo chifukwa cha ngongole yamagalimoto tsiku lomwelo.
Koma kumbukirani, ngati chinachake chikumveka bwino kwambiri kuti chisakhale chowona, nthawi zambiri chimakhala. Funsani kuti mudziwe kubwezeredwa kwathunthu kwa ngongole yanu, ndi ndalama zotani zomwe mwagula, kuphatikiza ndalama zonse. Ndiyeno yerekezerani mtengo umenewo ndi mtengo umene mungapeze kuchokera ku kampani yandalama ya chipani chachitatu—banki yanu kapena wobwereketsa wina—ndipo mmene mungapezere galimoto yomweyo motchipa ngati mutapeza ndalama zanuzanu.
Kodi mukudziwa kuti pali bizinesi yayikulu yobwereketsa ngongole? Chabwino, pali ma broker amtundu wina uliwonse wandalama, kuphatikiza ngongole zamagalimoto.
Lingaliro ndiloti mulumikizane ndi wobwereketsa galimoto kuti mudziwe kuchuluka kwa ndalama zomwe mungafune kubwereka komanso ngati ngongoleyo ndi yotetezedwa kapena yopanda chitetezo, ndiyeno muwalole kuti afananize ngongole zamagalimoto ku Australia.
Wobwereketsa wabwino adzayesa kuyenerera kwanu ndi obwereketsa angapo ndikubwerera kwa inu ndi chiwongola dzanja chabwino kwambiri chomwe angapeze, ndikukupatsani mndandanda wamitengo yabwino kwambiri yobwereketsa magalimoto ku Australia. Chabwino, ndi momwe zimagwirira ntchito, osachepera m'malingaliro.
Wogulitsayo ndiye amalandira komishoni kuchokera kwa wobwereketsa yemwe mwasankha (ndipo nthawi zina ntchito yokhazikika ya moyo wonse wa ngongoleyo, yomwe imadziwika kuti "trace"), ndipo mumasunga zowerengera zambiri ndipo mutha kupeza chiwongola dzanja chochepa. ngongole yomwe mwina simunaidziwe.
Kodi mukudziwa kuti pali bizinesi yayikulu yobwereketsa ngongole? Chabwino, pali ma broker amtundu wina uliwonse wandalama, kuphatikiza ngongole zamagalimoto.
Lingaliro ndiloti mulumikizane ndi wobwereketsa galimoto kuti mudziwe kuchuluka kwa ndalama zomwe mungafune kubwereka komanso ngati ngongoleyo ndi yotetezedwa kapena yopanda chitetezo, ndiyeno muwalole kuti afananize ngongole zamagalimoto ku Australia.
Wobwereketsa wabwino adzayesa kuyenerera kwanu ndi obwereketsa angapo ndikubwerera kwa inu ndi chiwongola dzanja chabwino kwambiri chomwe angapeze, ndikukupatsani mndandanda wamitengo yabwino kwambiri yobwereketsa magalimoto ku Australia. Chabwino, ndi momwe zimagwirira ntchito, osachepera m'malingaliro.
Wogulitsayo ndiye amalandira komishoni kuchokera kwa wobwereketsa yemwe mwasankha (ndipo nthawi zina ntchito yokhazikika ya moyo wonse wa ngongoleyo, yomwe imadziwika kuti "trace"), ndipo mumasunga zowerengera zambiri ndipo mutha kupeza chiwongola dzanja chochepa. ngongole yomwe mwina simunaidziwe.
Chiwongola dzanja cha obwereketsa akulu (monga mabanki akulu anayi) nthawi zambiri amakhala apamwamba kuposa obwereketsa ang'onoang'ono. Ndipo izi ndi zoona kwa ngongole zamagalimoto.
Kodi malipiro anga akhale otani? Ngongole zamagalimoto zotsika mtengo ku Australia
Kuti tiwone kusiyana kotani komwe mtengo wotsikirapo ungapange, tidawerengera zolipira ngongole za $30,000 pazaka zisanu za ngongole zamagalimoto ku Australia.
Pa 8.49% (chiwerengero cha banki), malipiro anu pamwezi ndi $ 632.48, zomwe zikutanthauza kuti ngongoleyo idzalipidwa m'zaka zisanu. Koma pa 5.34 peresenti, chiwerengerocho chimatsikira ku $ 459.20, ngongoleyo idabwezedwa nthawi yomweyo.
Kuti tiwone kusiyana kotani komwe mtengo wotsikirapo ungapange, tidawerengera zolipira ngongole za $30,000 pazaka zisanu za ngongole zamagalimoto ku Australia.
Pa 8.49% (chiwerengero cha banki), malipiro anu pamwezi ndi $ 632.48, zomwe zikutanthauza kuti ngongoleyo idzalipidwa m'zaka zisanu. Koma pa 5.34 peresenti, chiwerengerocho chimatsikira ku $ 459.20, ngongoleyo idabwezedwa nthawi yomweyo.
Palibe chinsinsi chachikulu chovomerezera ngongole - obwereketsa amafuna kubwereketsa (pambuyo pake, ndimomwe amapangira ndalama) ndipo ambiri amayesa kupeza njira yochitira izi.
Zachidziwikire, kukhala ndi ngongole zambiri, ndalama zomwe mumapeza nthawi zonse, komanso kukwanitsa kubweza ngongole zidzakuthandizirani.
Zomwe sizidziwika, komabe, ndikuti mitengo, monga zinthu zambiri, ndiyotheka kukambirana. Osawopa kugula ndikufunsa mtengo wabwinoko kuposa wotsatsa - mutha kudabwa ndi zomwe zingatheke.
