Indlela yokuthenga imoto exhaswe ngemali
Ngokucophelela, ukuthenga imoto esaxhaswa akumele kube yinkinga.
Kukhona umehluko omncane omncane kodwa obalulekile phakathi kokuthenga umuzi nokuthenga imoto, umehluko omncane wezindleko mhlawumbe osobala kakhulu. Okwesibili, asicabangi ngokuthenga izindlu nezindlu kumuntu osakweleta izinkulungwane noma izigidi zamarandi ngakho, ngoba amabhange akhokhela amanye amabhange ukuze avale izikweletu - lokho kuyingxenye yesivumelwano.
Kodwa-ke, ukuthenga imoto exhaswe ngezimali kukhathaza kakhulu kunokuzama ukudansa isihlathi ukuze uzungeze iLouvre ngeMona Lisa. Yiqiniso, ukuthenga imoto yemali kufana nokuthenga indlu, uma ukhuluma iqiniso.
Ngakho-ke kungenzeka ukuthi ukuthengiswa kwangasese kuphenduke ingxabano yezezimali akufanele kukwesabise; Njengoba izimoto ezisetshenzisiwe ezingaphezu kwezigidi ezine ezishintsha izandla e-Australia minyaka yonke, izinzuzo zokuthenga ngasese zisobala.
Odinga ukukwenza ngempela, njenganoma yikuphi ukuthenga okukhulu, ukulungiselela kusenesikhathi uma kuziwa kwezezimali, njengoba ubungenza lapho ucabangela izindaba zokunakekelwa kwemoto, umlando wesevisi, nokunye.
Kudingeka uqiniseke ngokuphelele ngesimo sezimali semoto, vele, ngoba umthwalo wokuhlola ukuwe, futhi uma ungenjalo, ungawela ezweni lobuhlungu.
Yiziphi izingibe ezingaba khona?
Njengoba sixoxile esihlokweni sethu sokuthengisa izimoto ezixhaswe ngemali, konke kuncike ekutheni ukubolekwa kwezimoto kusebenza kanjani. Ngenxa yokuthi imali yemoto isebenzisa imoto njengesibambiso, isikweletu sisetshenziswa emotweni, hhayi umnikazi. Umnikazi usabophekile ukubuyisela imali ebolekiwe, futhi kuze kube benza kanjalo, noma iyiphi imali esele emalini ebolekiwe ibanjelwa imoto hhayi obolekayo.
Kulapho-ke abathengi bezimoto ezisetshenziswayo bengadideka kancane. Nakuba abathengisi nezindlu zendali kudingeka banikeze ubufakazi bobunikazi obucacile futhi babhekane nezijeziso ezinzima zokwephula izibopho zabo, abathengisi abazimele abekho ngaphansi kwemithetho efanayo.
Ingozi enkulu yokuthenga imoto enemali ukuthi uzolahlekelwa yimoto.
Lokhu kusho ukuthi noma yiziphi izinkinga zingacasha ngesivumelwano okuthiwa sisihle, okuhlanganisa nezinto ezifihliwe emotweni. Uma uthenga imoto ungahlosile ngemali oyikweletayo, uzogcina usucwile ezikweletini noma ulahlekelwe yimoto yakho ngokuphelele uma inkampani yezezimali isiyibuyisela emuva ukuze ibuyise ukulahlekelwa kwayo, kuchaza uJustin Davis we-CANSTAR Credit Scoring Services.
“Ingozi enkulu yokuthenga imoto enemali ukuthi uzolahlekelwa yimoto,” usho kanje.
“Uma le moto ibisetshenziswa njengesibambiso ukubolekwa imali, kusho ukuthi isikhungo sezezimali sinobunikazi.”
Impela kunjalo. Ngaphansi komthetho wase-Australia, umthengi unesibopho sokuqinisekisa ubunikazi bemoto; uma yonke into ihlukana, ngeke ube nomlenze wokuma, kodwa uzodinga ababili ukuze uhambe yonke indawo.
Kuzodingeka ukhokhe ibhalansi emalini oyibolekile noma imoto izothathwa futhi idayiswe, ikushiye namaphakethe angenalutho kanye nesikhathi esiningi sokuzisola ngezinqumo zakho ngenkathi usalinde ibhasi.
Indlela yokugwema izingozi?
Uma nje noma yisiphi isivumelwano sezimali sivuliwe, ayikho ngempela inkinga ngokuthenga imoto esangaphansi kokubolekwa imali; kulapho umdayisi efihla ukuthi isekhona imali okumele ikhokhwe lapho yonke into ihamba imise okwepheya.
Uma umdayisi engakakutsheli ukuthi usakweleta imoto, lokho kuwuphawu oluqinisekile lokuthi kukhona okubili okwenzekayo. Umthengisi angakukhohlisa ngamabomu, noma, okuyinto engenakwenzeka kakhulu, akazi nje ngokusindwa kwemoto. Kunoma yikuphi, sekuyisikhathi sokuhamba.
Hlola Irejista Yezibambiso Zempahla Yomuntu
Nakuba lokhu konke kuzwakala kusabisa, kunendlela elula futhi eshibhile yokugwema i-fiasco - hlola i-Personal Property Securities Registry noma i-PPSR.
Inguquko ye-REVS
I-PPSR igama elisha lokuqinisekiswa kwesikole esidala i-REVS (Ukubhaliswa Kwezimoto Eziboshwe) eyahoxiswa ngo-2012 (okungenani inguqulo kahulumeni, amasayithi ayimfihlo njenge-revs.com.au asekhona).
I-PPSR iyirejista ebanzi ezweni lonke elandelela imalimboleko yezimoto zase-Australia, izithuthuthu, izikebhe nanoma yini enenani, ngisho nobuciko. Uhlelo oludala lwe-REVS lwaluyinkinga yezwe nezwe eyayibhekene nezimoto kuphela.
“Ungavakashela ku-http://www.ppsr.gov.au ukuze uhlole usebenzisa inombolo kamazisi yemoto,” kuchaza u-Davis.
Yenza isheke lakho lokuqala ngesikhathi ucabanga ukuthenga imoto.
“Uma imoto yakho okungenzeka ingaphansi kwezimali, isitifiketi osithola lapho usesha I-Personal Property Securities Registry sizoqukatha imininingwane yohlobo lwemali mboleko nokuthi ngubani umnikazi wemali mboleko.
Ukuqinisekisa nge-PPSR kubiza kuphela u-$2 futhi kukunikeza ubufakazi obuphathekayo bokuthi cha noma isikweletu samanje. Eqinisweni, ishibhile kangangokuthi kufanelekile ukukwenza kabili.
"Okungcono, yenza ukuhlola kwakho kokuqala ngesikhathi ucabanga ukuthenga imoto," kusho uDavis.
"Yenza isheke elilodwa ngosuku lokuthenga ngaphambi kokunikeza isheke lasebhange noma ukudlulisa imali nge-inthanethi, uma kwenzeka umthengisi ethatha imali ebolekiwe esheshayo phakathi kwakho kokubili."
Ingabe kufanelekile ukuthenga imoto yesikweletu?
Uma nje wenza ngokucophelela kusengaphambili futhi usebenzelana nomdayisi othembekile, asikho isizathu sokuthi kungani ukuthenga imoto esaxhaswa ngemali kufanele kube nzima kunokuthenga imoto enesihloko esicacile. Kodwa-ke, kubalulekile ukwenza isiqiniseko sokuthi uma usayina igama lakho ku-bill of sale, ayikho imali oyikweleta imoto.
"Uma uzothenga isikweletu semoto - mhlawumbe umdayisi akakwazi ukukhokha imali mboleko yemoto kuze kube unemali yokudayiswa - bese uthengisa ehhovisi lesikhungo sezezimali esibambe imali yemoto," uthi.Davis.
"Ngakho-ke ungakwazi ukukhokhela imoto, umdayisi angakwazi ukukhokha imali ebolekiwe, futhi ungathola ubunikazi obungenakulinganiswa bemoto ngesikhathi esifanayo."
Kufana nokuya kumthengisi wezindlu noma ebhange uyosayina amaphepha ukuze uthenge indlu, izinombolo kuphela emaphepheni owasayinayo mancane amathuba okuthi inhliziyo yakho igijime.
