Ungawathola kanjani amanani emalimboleko emoto angcono kakhulu e-Australia
Sihlukanisa izinhlobo ezahlukene zoxhaso oluzenzakalelayo ukuze sikusize ukhethe inketho engcono kakhulu kuwe.
Uma izindlebe zakho zingakaqoshwa, cishe uzwe izingxoxo eziningi zenzalo kamuva nje.
Kodwa uma kwenzeka uphuthelwe, ake sikunqumele le ndaba; amanani enzalo aphansi futhi angase ehle (sibonga umnotho wethu ontengantengayo). Futhi ngenkathi kukhulunywa ngaso sonke isikhathi mayelana nezindlu ezibolekiwe, nazo zinezikweletu. Kusho ukuthini? Uma amanani asemthethweni aphezulu, kanjalo nezilinganiso zokubolekwa kwemoto. Kodwa ziphansi nini? Hhayi-ke, mhlawumbe sekuyisikhathi sokuyothenga.
Ngakho-ke ukuze sisize ngalo msebenzi othile, sihlukanisa izinhlobo ezahlukene zemalimboleko yemoto etholakalayo ukuze sikusize unqume ukuthi iyiphi inketho engcono kakhulu kuwe.
Lokhu kuzwakala kuyinkimbinkimbi kunalokho okuyikho ngempela - njengokuboleka omunye wamakhosikazi ka-Henry VIII, kodwa empeleni kusho ukuthi uboleka imoto, uthatha (noma ubunikazi) kuphela ngemuva kokuthi zonke izinkokhelo ezidingekayo zenziwe. zenziwa.
Kucabange njengesikweletu sendlu, lapho indlu ingeyakho kuphela ngemva kokuyikhokhela ngokugcwele ibhange.
Umehluko oyinhloko phakathi kwesikweletu sempahla yomuntu siqu kanye nemali mboleko evamile evikelekile (lapho imoto iyisibambiso futhi umbolekisi angakwazi ukuyithengisa uma ungakwazi ukukhokha) ukuthi lolu lungiselelo oluthile lwezezimali luvame ukusebenza ekuthengeni ibhizinisi. , ukuvula zonke izinhlobo zokudonswa kwentela nezimfuneko ze-GST uma imoto isetshenziselwa izinjongo zebhizinisi ngokuyinhloko.
Kodwa, njenganoma iyiphi imali ebolekiwe, ukhetha ubude besikhathi sesivumelwano, futhi izinkokhelo zakho (kungakhathaliseki ukuthi zinyanga zonke noma ngesonto) zibalwa ngokufanele.
Lokhu kuzwakala kuyinkimbinkimbi kunalokho okuyikho ngempela - njengokuboleka omunye wamakhosikazi ka-Henry VIII, kodwa empeleni kusho ukuthi uboleka imoto, uthatha (noma ubunikazi) kuphela ngemuva kokuthi zonke izinkokhelo ezidingekayo zenziwe. zenziwa.
Kucabange njengesikweletu sendlu, lapho indlu ingeyakho kuphela ngemva kokuyikhokhela ngokugcwele ibhange.
Umehluko oyinhloko phakathi kwesikweletu sempahla yomuntu siqu kanye nemali mboleko evamile evikelekile (lapho imoto iyisibambiso futhi umbolekisi angakwazi ukuyithengisa uma ungakwazi ukukhokha) ukuthi lolu lungiselelo oluthile lwezezimali luvame ukusebenza ekuthengeni ibhizinisi. , ukuvula zonke izinhlobo zokudonswa kwentela nezimfuneko ze-GST uma imoto isetshenziselwa izinjongo zebhizinisi ngokuyinhloko.
Kodwa, njenganoma iyiphi imali ebolekiwe, ukhetha ubude besikhathi sesivumelwano, futhi izinkokhelo zakho (kungakhathaliseki ukuthi zinyanga zonke noma ngesonto) zibalwa ngokufanele.
Ukuqashisa okuvuselelwe kwethula umuntu wesithathu esivumelwaneni sokuthenga imoto, umqashi wakho akujoyine kanye nomabolekisi. Kunzima ukuqeda ekuqaleni ngoba ucelwa ukuthi ukhokhele into ongeyena owakho. Ngakho-ke ingxenye "yokuqashisa" yesivumelwano sokuqashisa imoto.
Empeleni, ukuqashiswa kokuthuthukisa kusho ukuthi umqashi wakho uyingxenye yesivumelwano sakho sokuthenga futhi ikuvumela ukuthi ukhokhele imoto yakho njengengxenye yephakethe lakho lokuholelwa (elibuye libalondolozele imali ngokunenzuzo) ngokukukhokhela izinkokhelo zemoto yakho ngezindleko zakho zangaphambilini. imali yentela.. Intela yeholo lakho libe selibalwa ngokusekelwe eholweni lakho elincishisiwe.
Enye ibhonasi yentela ukuthi akumele ukhokhe i-GST ngentengo yokuthenga imoto uma ungayithengi, ukwehlisa izindleko ngamanye amaphesenti ayishumi.
Izikweletu eziningi zezimoto ozitholayo zizoba yimalimboleko "evikelekile", okusho ukuthi imoto ngokwayo isebenza njengesibambiso sakho.
Njengoba nje ibhange likuboleka imali yomuzi wakho, nomuntu obolekisayo uyenezela imoto azi ukuthi uma ungayikhokhi, angakwazi ukuyibuyisela okungenani ngokuyidayisa imoto. Lesi yimalimboleko yemoto.
Uzothola ukuthi izilinganiso zenzalo emalini ebolekiwe evikelekile ngokuvamile iphansi kunezilinganiso ezingavikelekile, ikakhulukazi ngenxa yokuthi umebolekisi uzibheka njengengozi encane kunokunikeza nje isamba semali ngaphandle kokukhokha uma izinto zingahambi kahle.
Izikweletu zemoto ezivikelekile cishe ziyindlela evame kakhulu yokubolekwa kwemoto ngoba kulula kakhulu kuzo zombili izinhlangothi futhi zivame ukusetshenziselwa ukuthenga izimoto ezintsha nezike zasetshenziswa.
Izikweletu eziningi zezimoto ozitholayo zizoba yimalimboleko "evikelekile", okusho ukuthi imoto ngokwayo isebenza njengesibambiso sakho.
Njengoba nje ibhange likuboleka imali yomuzi wakho, nomuntu obolekisayo uyenezela imoto azi ukuthi uma ungayikhokhi, angakwazi ukuyibuyisela okungenani ngokuyidayisa imoto. Lesi yimalimboleko yemoto.
Uzothola ukuthi izilinganiso zenzalo emalini ebolekiwe evikelekile ngokuvamile iphansi kunezilinganiso ezingavikelekile, ikakhulukazi ngenxa yokuthi umebolekisi uzibheka njengengozi encane kunokunikeza nje isamba semali ngaphandle kokukhokha uma izinto zingahambi kahle.
Izikweletu zemoto ezivikelekile cishe ziyindlela evame kakhulu yokubolekwa kwemoto ngoba kulula kakhulu kuzo zombili izinhlangothi futhi zivame ukusetshenziselwa ukuthenga izimoto ezintsha nezike zasetshenziswa.
Wake wasibona isikhangiso esithi "comparison ratio 0.1%"? Mhlawumbe efulegini eduze nendawo yokuthengisa impahla?
Lokhu kungenxa yokuthi izinkampani zezimoto noma amanethiwekhi abo abathengisi bangakwazi ukuhlela ukuxhaswa ngezimali kokuthengwa kwemoto ngokwazo, futhi kunezikhathi lapho amanani abawanikezayo (imvamisa ngezikhathi zokuthengisa noma lapho kunesitoko esiningi esizothuthwa) angcono kunanoma yini ongayenza. thola kwezinye izitolo. umbolekisi wendabuko.
Kungenjalo, umdayisi angase ajabule ukukwenzela umsebenzi onzima, empeleni afake isicelo sokubolekwa imali kumashonisa egameni lakho. Futhi ngaphezu kwalokho, bazoba nentshisekelo yokuvala isivumelwano, okusho ukuthi noma unomlando omubi wezikweletu, ungahamba ngemoto ngalo lolo suku ngenxa yemali mboleko yezimoto ngosuku olufanayo.
Kodwa khumbula, uma okuthile kuzwakala kukuhle kakhulu ukuba yiqiniso, ngokuvamile kuba njalo. Funa ukwazi yonke imbuyiselo yemalimboleko yakho, nokuthi izoba yini inani lenani eliphelele lokuthenga, okuhlanganisa zonke izinkokhelo. Bese uqhathanisa leyo ntengo nenani ongayithola enkampanini yezimali yenkampani yangaphandle—ibhange lakho noma omunye umbolekisi—nokuthi ungathola ishibhile kangakanani imoto efanayo uma uzikhulisela imali yakho.
Uyazi ukuthi kukhona imboni enkulu ye-mortgage brokerage? Hhayi-ke, kukhona abadayisi balo lonke olunye uhlobo lwezezimali, okuhlanganisa nokubolekwa kwezimoto.
Umbono wukuthi uxhumane nomthengisi wemoto ukuze uthole ukuthi yimalini ongathanda ukuyiboleka nokuthi imali mboleko ivikelekile noma ayivikelekile, bese umvumela ukuthi aqhathanise imali ebolekiwe yemoto e-Australia.
Umdayiseli omuhle uyobe esehlola ukufaneleka kwakho nenqwaba yababolekisi bese ebuyela kuwe nenani lenzalo elingcono kakhulu angalithola, akunike uhlu lwamanani angcono kakhulu emalimboleko emoto e-Australia. Hhayi-ke, kusebenza kanjalo, okungenani ngokombono.
Umdayisi ube esethola ikhomishana kumbolekisi omkhethile (futhi ngezinye izikhathi ikhomishini emisiwe yokuphila kwakho konke okubolekiwe, eyaziwa ngokuthi "umkhondo"), futhi wonga umsebenzi omningi futhi ungathola nenzalo ephansi. imali ebolekiwe okungenzeka ubungayazi.
Uyazi ukuthi kukhona imboni enkulu ye-mortgage brokerage? Hhayi-ke, kukhona abadayisi balo lonke olunye uhlobo lwezezimali, okuhlanganisa nokubolekwa kwezimoto.
Umbono wukuthi uxhumane nomthengisi wemoto ukuze uthole ukuthi yimalini ongathanda ukuyiboleka nokuthi imali mboleko ivikelekile noma ayivikelekile, bese umvumela ukuthi aqhathanise imali ebolekiwe yemoto e-Australia.
Umdayiseli omuhle uyobe esehlola ukufaneleka kwakho nenqwaba yababolekisi bese ebuyela kuwe nenani lenzalo elingcono kakhulu angalithola, akunike uhlu lwamanani angcono kakhulu emalimboleko emoto e-Australia. Hhayi-ke, kusebenza kanjalo, okungenani ngokombono.
Umdayisi ube esethola ikhomishana kumbolekisi omkhethile (futhi ngezinye izikhathi ikhomishini emisiwe yokuphila kwakho konke okubolekiwe, eyaziwa ngokuthi "umkhondo"), futhi wonga umsebenzi omningi futhi ungathola nenzalo ephansi. imali ebolekiwe okungenzeka ubungayazi.
Izilinganiso zenzalo zababolekisi abakhulu (njengamabhange amakhulu amane) ngokuvamile ziphakeme kunababolekisi abancane. Futhi lokhu kuyiqiniso impela ngezikweletu zemoto.
Zizoba yini izinkokhelo zami? Izikweletu zemoto ezishibhile zase-Australia
Ukuze sibone ukuthi ungakanani umehluko ongenziwa yinani eliphansi, sibale izinkokhelo zemalimboleko ezingu-$30,000 phakathi neminyaka emihlanu ngokubolekwa kwemoto e-Australia.
Ku-8.49% (izinga lasebhange), inkokhelo yakho yanyanga zonke ingu-$632.48, okusho ukuthi isikweletu sizokhokhwa eminyakeni emihlanu. Kepha ngamaphesenti angama-5.34, lelo nani lehla laya ku-$459.20, kanti imali mboleko ibuyiselwe ngesikhathi esifanayo.
Ukuze sibone ukuthi ungakanani umehluko ongenziwa yinani eliphansi, sibale izinkokhelo zemalimboleko ezingu-$30,000 phakathi neminyaka emihlanu ngokubolekwa kwemoto e-Australia.
Ku-8.49% (izinga lasebhange), inkokhelo yakho yanyanga zonke ingu-$632.48, okusho ukuthi isikweletu sizokhokhwa eminyakeni emihlanu. Kepha ngamaphesenti angama-5.34, lelo nani lehla laya ku-$459.20, kanti imali mboleko ibuyiselwe ngesikhathi esifanayo.
Ayikho imfihlo enkulu yokuthola imvume yokubolekwa imali - ababolekisi bafuna ukuboleka (phela, yindlela abenza ngayo imali) futhi iningi lizozama ukuthola indlela yokwenza lokho kwenzeke.
Kunjalo, ukuba nekhredithi ephezulu, iholo elivamile, kanye nekhono eliqinisekisiwe lokukhokha isikweletu kuzokusebenzela.
Okungaziwa kakhulu, nokho, ukuthi amanani, njengezinto eziningi, empeleni ayaxoxisana. Ungesabi ukuthenga eduze futhi ucele intengo engcono kunekhangisiwe - ungase umangale ukuthi kungenzekani.
