Kufotokozera za EOFY Vehicle Financing

Kulipira galimoto kungakhale kovuta, koma izi ndi zomwe muyenera kukumbukira pogula galimoto ya EOFY.

Chifukwa chake, mutatha kununkhiza mpweya - mosamala kwambiri - ndikutsimikizira kuti kutha kwa chaka chachuma cha 2019-2020 kudzakhala mwayi umodzi wopeza bwino pagalimoto yatsopano, mwatsala ndi mafunso awiri okha.

Yoyamba ndi yosangalatsa kuti ndi galimoto iti yomwe mungasankhe kuti ikubweretsereni chisangalalo komanso / kapena zochitika zatsiku ndi tsiku ndi zofunikira (ndipo mwina mtundu wake uyenera kukhala wotani), pomwe yachiwiri ndi ya pragmatic ndipo ingachepetse mayankho anu. ku funso loyamba, mulipira bwanji?

Ngakhale pali zambiri zomwe zikuyenera kunenedwa pakusungira galimoto yomwe mungakwanitse ndikulipira ndalama - zimakuyikani m'malo ovuta kuyamba - mwayi womwe ulipo mu EOFY iyi pamene ogulitsa magalimoto akuvutika kuti awonjezere malonda awo. . zolinga zomwe sizinachitikepo m'mbuyomu ndipo motero ndikuthamangira kukupatsani zopatsa zabwino komanso zapadera zomwe simungathe kuzikwaniritsa.

Izi zikutanthauza kuti mukugwiritsa ntchito ndalama zomwe simuyenera kusunga ndalama pakapita nthawi, koma mupeze galimoto yomwe mumasilira kwambiri mwachangu. Ndipo izi zikutanthauza kugwera m'gulu la ngongole za autofinancing.

Komabe musachite mantha. Magalimoto ndi okwera mtengo - kwa ambiri aife, ndi ndalama zachiwiri zazikulu zomwe tingawononge - koma pali mabungwe azachuma ambiri omwe akufuna kuthandiza. Zowonadi, pamsika wapano, womwe uli ndi nkhawa pang'ono, obwereketsa amathanso kukhala ofunitsitsa kwambiri kuposa masiku onse kuti akupatseni malonda abwinoko kuposa kale pazinthu monga chiwongola dzanja, kuti angopeza makasitomala.

Munthawi yanthawi zonse, ma virus asanachitike, makampani angongole zamagalimoto ku Australia ndiambiri: mu 220, wobwereketsa ngati St. George's yekha adapanga ngongole zamagalimoto zokwana $2019 miliyoni pamwezi. Malinga ndi Positive Lending Solutions, ngongole zamagalimoto zimapanga zochulukirapo. Kuposa atatu peresenti ya ngongole zonse zapakhomo zaku Australia, zomwe zikutanthauza kuti ngati mutenga ngongoleyo, tonse tikhala ndi ngongole yagalimoto pafupifupi $670 iliyonse.

Mwachidule, simuli nokha ngati mukuganiza zopezera galimoto yatsopano - mu 2017, imodzi mwa magalimoto asanu atsopano idagulidwa pogwiritsa ntchito ngongole m'dziko lino, ndipo ndalama zonse za ngongole zinali $ 8.5 biliyoni. Ponyani magalimoto ogwiritsidwa ntchito ndi mitundu ina yamagalimoto ndipo chiwerengerocho chimakwera mpaka $ 16 biliyoni.

Kodi ndi bwino kugwiritsa ntchito ndalama kugula galimoto yatsopano?

Simuli nokha ngati mukuganiza zopezera galimoto yatsopano.

Chifukwa chakuti ndi njira yodziwika bwino sizikutanthauza kuti ndi ya aliyense, ndithudi, ndipo nthawi zonse mudzapeza wina - nthawi zambiri abambo anu - amene angatsutse kuti kubwereka ndalama zogulira katundu wochepa ndi lingaliro loipa, ndipo motero, kubwereketsa ndi ngongole yagalimoto ndizosiyana kwambiri zachuma.

Mfundo, ndithudi, ndi yakuti kugula galimoto yatsopano, yothandiza, yotetezeka, komanso yodalirika sikungakupulumutseni ndalama zokha, komanso kuonjezera mwayi wanu wopeza. Kuyendetsa bomba lakale, monga momwe tonse tikudziwira, kungakhale kokwera mtengo kwambiri kuposa galimoto yabwino pamapeto pake.

Ndipo, kachiwiri, ndikofunikira kulingalira momwe zokopa zidzakhalire nyengo ino ya EOFY. Ino si nthawi yoti muphonye.

Kodi alipo amene adzakubwerekeni ndalama?

Chabwino, zonse zimabwera ku mbiri yanu yangongole, yomwe makampani azachuma amayesa kuthekera kwanu kubweza ngongole. Izi zikuphatikiza ndalama zomwe mumapeza pano, kirediti kadi ndi ngongole zina, komanso kusanthula ndalama zomwe mumawononga komanso ndalama zomwe mungawononge.

Ndithudi, mbiri yanu yangongole njofunika, ndipo ngati mbiri yanu yangongole ili yoipa—chifukwa cha kubweza kwachisawawa kapena mwachisawawa m’mbuyomo, kapena, choipitsitsa koposa, kukhala italandidwa mwanjira inayake—siidzawonongeka. zothandiza. Zowonadi, izi zitha kupangitsa kuti mupereke chiwongola dzanja chokwera kwambiri kapena osapeza ndalama konse.

Koma ngakhale zitakhala choncho, musachite mantha. Ingochitani bwino.

"Mukalipira munthawi yake m'miyezi 12, mutha kupanganso ziwongola dzanja zanu ndikupeza chiwongola dzanja chochepa," wonena za msika wathu amatiuza.

“Mbiri ndi imeneyo—mbiri. Mutha kusintha ngongole zanu ndipo zipangitsa moyo kukhala wosavuta komanso wotsika mtengo m'tsogolomu. "

Monga mukudziwira, makampani azachuma amagwiritsa ntchito njira yopangira mapointi kuti adziwe momwe mungalipire komanso ndalama zomwe angakubwerekeni. Amagwiritsanso ntchito zomwe zimatchedwa Henderson Poverty Index, zomwe zimamveka zomvetsa chisoni koma kwenikweni ndi sikelo yotsetsereka yomwe imagwiritsidwa ntchito poyesa chuma chanu, monga ndalama zomwe mumapeza, momwe mulili m'banja, momwe mwakhala mukugwira ntchito, ndi ana angati omwe muli nawo. ndi zina. pa.

Mtundu wa galimoto yomwe mukuyang'ana idzakhudzanso ndalama zomwe mungabwereke komanso chiwongoladzanja chomwe mudzalipire - mwachitsanzo, mitengo ya ngongole pa galimoto yogwiritsidwa ntchito ndi yokwera mtengo kusiyana ndi galimoto yatsopano.

Kodi pali ngongole zamtundu wanji zamagalimoto?

Chiwongola dzanja pa ngongole ya galimoto ndi yapamwamba kuposa ngongole yanyumba, ndipo ndizomveka kulipira ngongoleyo ndi chiwongoladzanja chapamwamba choyamba.

Malinga ndi bungwe la Automotive Holdings Group (AHG), lomwe limadzipanga ngati gulu lalikulu kwambiri la magalimoto ku Australia, njira yodziwika bwino yopezera ndalama zamagalimoto ndi mgwirizano wangongole yokhazikika.

Makonzedwe amtengo wapatali amagwiritsidwa ntchito ndi 70% ya ogula payekha.

Kusintha kwa Malamulo a National Consumer Credit Protection Regulations omwe amakhudza ogulitsa magalimoto ndi opereka ndalama kwapangitsa kuti mabanki akhwimitse njira zawo zobwereketsa anthu pazaka zingapo zapitazi, kutanthauza kuti anthu ambiri akugula kudzera m'makampani apadera obwereketsa magalimoto - mtundu womwe Mumaperekedwa wogulitsa magalimoto pogula galimoto.

"Ndalama ndizovuta kwambiri chifukwa cha malamulo," akutero AHG. "Koma zachititsa kuti ogulitsa azilemba ndalama zambiri."

Inde, ndi bwino kukumbukira kuti kupereka ndalama ndi njira imodzi imene wogulitsa galimoto angadulire tikiti pamene akugulitsa galimoto yatsopano, kotero kuti mungakhale mukulipira chiwongoladzanja chokwera pang'ono ngati mutapita njira imeneyo. Ndikoyenera kuyerekeza ndi mitundu ina ya ngongole zaumwini zomwe zilipo - chifukwa chakuti kutenga ngongole ya galimoto kubanki kungakhale kovuta sizikutanthauza kuti ndizosatheka.

Obwereketsa ena akuti anthu ayamba kusamala zamitengo - makamaka osafuna kubwereka ndalama zambiri - kuyambira pamavuto azachuma padziko lonse lapansi, zomwe zikuyembekezeka kuchulukirachulukira pomwe kuchepa kwachuma kukukulirakulira.

Anthu ambiri amagwiritsabe ntchito zomwe zimatchedwa "ndalama zanyumba" kapena "ngongole za ogula", zomwe kale zimatchedwa "mapangano ogula magawo". Musasokonezedwe ndi dzina, zomwe zikutanthauza kuti ngongole imatetezedwa ndi galimoto yomwe mukugula. Ngati simungathe kulipira, wobwereketsa amadziwa kuti akhoza kulanda galimotoyo ndikuigulitsa kuti abweze ndalama zawo.

Pamsika wamakono, obwereketsa akuyang'ananso kukonza ngongole kwa anthu omwe amapeza ndalama zochepa, zomwe zikutanthauza kuti ngongole zimaperekedwa kwa nthawi yayitali yobwezera kuti malipiro a mwezi uliwonse akhale ochepa.

Zonse ndi za liwiro

Magalimoto ndi okwera mtengo - kwa ambiri aife, ndi ndalama zachiwiri zazikulu zomwe tingawononge.

Komabe, ndikofunikira kwambiri kuyang'anira nambala imodzi, yomwe ndi chiwongola dzanja chomwe mumalipira. Ngati muli ndi ngongole yabwino komanso chikole china chilichonse kupatula galimoto yomwe mukugula, monga nyumba yanu, ndiye kuti mudzalandira mtengo wotsika kwambiri. Kugula kungathandizenso kuchepetsa nambala yamatsenga.

Monga mmene Anthony Keen, mkonzi wa magazini ya Your Money ananenera, “Kupereka chiwongola dzanja chochuluka kuli ngati kutaya ndalama pawindo, ndipo kaŵirikaŵiri timachita zimenezi ndi magalimoto atsopano amene amatsika mtengo titangonyamuka nawo.”

Chiwongoladzanja cha ngongole ya galimoto yamakono chimachokera pa 10 peresenti kufika pa 20,000 peresenti, kapena kupitirira ngati sichitetezedwa. Kutseka mgwirizano pamlingo wocheperako kungapangitse kusiyana kwakukulu pakubweza ngongole ya $ XNUMX pazaka zisanu, zomwe ndizofunikira masiku ano tikamasunga dola iliyonse yomwe timawononga.

"Tengani nthawi yoti mupeze zopereka ziwiri kapena zitatu kuchokera kwa obwereketsa osiyanasiyana, ndipo pitani ku mawebusaiti ofananitsa ogula monga InfoChoice ndi Canstar kuti muwone kuchuluka kwa obwereketsa ndi zosankha zomwe zilipo," akutero Bambo Keene.

“Chiwongola dzanja pa ngongole yagalimoto ndi yayikulu kuposa ngongole yanyumba, ndipo n’zomveka kubweza ngongoleyo ndi chiwongola dzanja chokwera kaye. Mutha kusunga ndalama pobweza misonkho ngati kubweza msonkho ku ngongole yagalimoto yanu ngati ngongoleyo ikuloleza, pomwe anthu ena amapereka ndalama zamagalimoto awo pogwiritsa ntchito ndalama m'nyumba zawo. ”