Incazelo ye-EOFY Vehicle Financing

Ukuxhasa imoto kungaba luqili, kodwa nakhu okufanele ukukhumbule lapho uthenga imoto ye-EOFY.

Ngakho-ke, ngemva kokuhogela umoya - ngokucophelela okukhulu - nokuqinisekisa ukuthi ukuphela konyaka wezimali ka-2019-2020 kuzoba elinye lamathuba amahle okuthola imali enhle ngemoto entsha, usele nemibuzo emibili kuphela.

Eyokuqala iyahlekisa ukuthi iyiphi imoto ongayikhetha ukuze ikulethele injabulo enkulu kanye/noma ukusebenza kwansuku zonke nokusebenziseka kalula (futhi mhlawumbe kufanele kube umbala onjani), kuyilapho eyesibili inengqondo kakhulu futhi ingase ikhawulele izimpendulo zakho. embuzweni wokuqala, uzokhokha kanjani?

Yize kuningi okumele kushiwo ngokongela imoto ongakwazi ukuyikhokhela nokukhokha ukheshi - kukubeka esihogweni sokuxoxisana - amathuba atholakala kule EOFY njengoba abadayisi bezimoto bezabalaza ukukhulisa ukuthengisa kwabo. . imigomo engakaze ibonwe ngaphambili futhi ngaleyo ndlela ngijahe ukukunikeza izinhlinzeko ezinhle kakhulu nezihlukile okungenzeka ukuthi zinhle kakhulu ukuthi ungaphuthelwa.

Lokhu kusho ukuthi usebenzisa imali okungadingeki ukuthi wonge imali ngokuhamba kwesikhathi, kodwa usathola imoto entsha efiseleka kakhulu ngokushesha. Futhi lokho kusho ukungena echibini lezikweletu zokuxhasa ngezimali.

Nokho, ungesabi. Izimoto ziyabiza - kwabaningi bethu, ziyizindleko zesibili ezinkulu esizoke sizenze - kodwa kunenqwaba yezikhungo zezezimali ezizimisele ukusiza. Ngempela, emakethe yamanje, enengcindezi kancane, ababolekisi bangase futhi bazimisele kakhulu kunokujwayelekile ukukunikeza idili elingcono kunangaphambili ezintweni ezifana nezilinganiso zenzalo, ukuze nje bathole amakhasimende athile.

Ezimweni ezijwayelekile, ngaphambi kwegciwane, imboni yokubolekwa kwezimoto e-Australia inkulu kakhulu: ngo-220, umbolekisi onjenge-St. George's yedwa wenza imali ebolekiwe yemoto engabiza u-$2019 wezigidi ngenyanga. Ngokusho kwePositive Lending Solutions, ukubolekwa kwezimoto kwenza okuthe xaxa. ngaphezu kwamaphesenti amathathu aso sonke isikweletu sasekhaya sase-Australia, okusho ukuthi uma wenza isilinganiso salokho, sonke sizoba nesikweletu semoto esingaba ngu-$670 umuntu ngamunye.

Ngamafuphi, awuwedwa uma ucabanga ukuxhasa imoto entsha - ngo-2017, imoto eyodwa kweziyisihlanu ezintsha zathengwa kusetshenziswa imali ebolekiwe kuleli zwe, kanti isamba semali ebolekiwe sasingu-$8.5 billion. Phonsa izimoto ezisetshenzisiwe nezinye izinhlobo zezimoto futhi isibalo sikhuphukela ku-$16 billion.

Ingabe kufanelekile ukusebenzisa imali ukuthenga imoto entsha?

Awuwedwa uma ucabanga ukuxhasa imoto entsha.

Ukuthi kuyindlela ethandwayo akusho ukuthi eyawo wonke umuntu, vele, futhi uyohlala uthola othile - ngokuvamile ubaba wakho - ozophikisana ngokuthi ukuboleka imali yokuthenga impahla enciphayo kuwumbono omubi, nokuthi Ngakho, a i-mortgage kanye nesikweletu semoto kuyimisebenzi yezezimali ehluke kakhulu.

Iphuzu, yiqiniso, ukuthi ukuthenga imoto entsha, esebenzayo, ephephile, nethembekile ngeke nje kukugcinele imali, kodwa futhi kwandise amathuba akho okuzuza. Ukushayela ibhomu elidala, njengoba sonke sazi, kungase kubize kakhulu kunemoto enhle ngokuhamba kwesikhathi.

Futhi, futhi, kufanelekile ukucabangela ukuthi amadili azolinga kangakanani kule sizini ye-EOFY. Akusona isikhathi sokuphuthelwa lesi.

Ingabe ukhona ozokuboleka imali?

Nokho, konke kuncike emlandweni wakho wesikweletu, okuyizinkampani zezezimali ezihlola ikhono lakho lokubuyisela imali oyibolekile. Lokhu kuhlanganisa iholo lakho lamanje, ikhadi lesikweletu namanye amazinga esikweletu, nokuhlaziywa kwezindleko zakho kanye nemali engenayo etholakalayo.

Yebo, umlando wakho wokuthenga ngesikweletu ubalulekile, futhi uma umlando wakho wezikweletu mubi—ngenxa yokukhokhwa ngendlela engavamile noma okungahleliwe esikhathini esidlule, noma, okubi nakakhulu, ukushaqwa ngandlela-thile—ngeke konakale. wusizo. Impela, lokhu kungaholela ekutheni ukhokhe inzalo ephakeme kakhulu noma ungabi namali nhlobo.

Kodwa noma kunjalo, ungathuki. Vele wenze kangcono.

“Uma ukhokha ngesikhathi zingakapheli izinyanga eziyi-12, ungakha kabusha amaphuzu akho esikweletu futhi uthole amanani enzalo aphansi,” ongaphakathi emakethe uyasitshela.

“Umlando uwukuthi—umlando. Ungashintsha amaphuzu akho esikweletu futhi kuzokwenza impilo ibe lula futhi ishibhile ngokuzayo.”

Njengoba kungenzeka uyazi, izinkampani zezezimali zisebenzisa uhlelo lwamaphuzu ukunquma amandla akho okukhokha kanye nenani ezizokuboleka. Bavame ukusebenzisa lokho okubizwa ngokuthi i-Henderson Poverty Index, okuzwakala kudabukisa kodwa empeleni okuyisilinganiso esishelelayo esisetshenziswa ukukala isimo sakho sezezimali, njengeholo lakho, isimo sakho somshado, ukuthi unesikhathi esingakanani usebenza, unezingane ezingaki. njll. use.

Uhlobo lwemoto olubhekayo luzophinde lube nomthelela emalini ongayiboleka kanye nezinga lenzalo ozoyikhokha—ngokwesibonelo, amanani emalimboleko emoto esetshenzisiwe abiza kakhulu kunemoto entsha.

Yiziphi izinhlobo zokubolekwa kwezimoto ezikhona?

Izinga lenzalo emalini ebolekiwe yemoto liphezulu kunemali ebolekiwe, futhi kunengqondo ukukhokha imali mboleko ngenani lenzalo ephezulu kuqala.

Ngokusho kwe-Automotive Holdings Group (AHG), ezikhokhisa yona njengeqembu elikhulu lezimoto lase-Australia, uhlelo oluvame kakhulu lokuxhaswa ngezimali kwezimoto isivumelwano semalimboleko yesilinganiso esinqunyiwe.

Amalungiselelo e-flat rate asetshenziswa kufika ku-70% wabathengi ngabanye.

Izinguquko emithethweni Kazwelonke Yokuvikelwa Kwezikweletu Zabathengi ezithinta abadayisi bezimoto kanye nabaxhasi bezimali ziholele ekutheni amabhange aqinise indlela yokuboleka imali yomuntu siqu kule minyaka embalwa edlule, okusho ukuthi abantu abaningi bathenga ngezinkampani ezingochwepheshe zokubolekwa kwezimoto - uhlobo olunikezwa umthengisi wezimoto lapho uthenga imoto.

"Ezezimali ziqinile ngenxa yemithetho," kusho i-AHG. "Kodwa kuholele ekutheni abathengisi babhale imali eyengeziwe."

Yebo, kuhle ukukhumbula ukuthi ukunikeza uxhaso kungenye yezindlela umthengisi wezimoto anganqamula ngayo ithikithi lapho ethengisa imoto entsha, ngakho-ke kungenzeka ukuthi ukhokha inzalo ephakeme kancane uma uhamba kulowo mzila. Kuyafaneleka ukuqhathanisa ukuthi yiziphi ezinye izinhlobo zezikweletu zomuntu siqu ezitholakalayo - ngoba nje ukuthola imali mboleko yemoto ebhange kungase kube nzima kakhulu akusho ukuthi akunakwenzeka.

Abanye ababolekisi babika ukuthi abantu sebezwela kakhulu amanani entengo - empeleni abathambekele kakhulu ekubolekeni amanani amakhulu - selokhu kwaba nenkinga yezimali emhlabeni wonke, ukuthambekela okungenzeka kube ngokwedlulele kakhulu njengoba ukwehla komnotho okukhona manje kuqhubeka nokuluma.

Iningi labantu lisasebenzisa lokho okubizwa ngokuthi "imalimboleko yempahla yomuntu siqu" noma "imalimboleko yabathengi", okwakubizwa ngokuthi "izivumelwano zokuthenga izitolimende". Ungadidwa igama, okusho ukuthi imali ebolekiwe itholakala ngemoto oyithengayo. Uma ungakwazi ukukhokha, umbolekisi uyazi ukuthi bangakwazi ukuyithatha imoto bayidayise ukuze bathole imali yabo.

Emakethe yamanje, ababolekisi baphinde babheke ukuboleka imali kubantu abahola kancane, okusho ukuthi imali mboleko yenziwa isikhathi eside sokukhokha ukuze izinkokhelo zanyanga zonke zibe phansi.

Konke kumayelana nesivinini

Izimoto ziyabiza - kwabaningi bethu, ziyizindleko zesibili ezinkulu esizoke sizenze.

Nokho, kubaluleke kakhulu ukubeka iso enombolweni eyodwa, okuyizinga lenzalo oyikhokhayo. Uma unesikweletu esihle kanye nanoma yisiphi isibambiso ngaphandle kwemoto oyithengayo, njengendlu yakho, uzothola isilinganiso esiphansi kakhulu. Ukuthenga nakho kungasiza ekwehliseni inombolo yomlingo.

Njengoba u-Anthony Keen, umhleli kamagazini i-Your Money ephawula, “Ukukhokha inzalo eningi kufana nokuphonsa imali ngefasitela, futhi ngokuvamile lokhu sikwenza ngezimoto ezintsha eziwohlokayo ngokushesha nje lapho sihamba nazo.”

Izinga lenzalo yamanje yemalimboleko yemoto lisukela kumaphesenti amahlanu kuya kwayi-10, noma ngaphezulu uma lingavikelekile. Ukuvala isivumelwano esisezingeni eliphansi kuzokwenza umehluko omkhulu ekutheni ukhokha malini emalini ebolekiwe engu-$20,000 phakathi neminyaka emihlanu, okubalulekile kulezi zinsuku lapho silandelela idola ngalinye esilisebenzisayo.

"Zinike isikhathi sokuthola izipesheli ezimbili noma ezintathu kubabolekisi abahlukene, futhi uvakashele amawebhusayithi okuqhathanisa abathengi afana ne-InfoChoice neCanstar ukuze ubone izinhlobonhlobo zababolekisi nezinketho ezitholakalayo," kusho uMnu. Keene.

“Inzalo yemali ebolekiwe yemoto iphezulu kunemali ebolekiwe, futhi kunengqondo ukuthi ukhokhe kuqala ngenzalo ephezulu. Ungonga imali ngokufaka imimoya efana nokubuyiselwa kwentela emalini ebolekiwe yemoto uma uhlaka lwemalimboleko lukuvumela, kuyilapho abanye abantu bexhasa ngezimali izimoto zabo besebenzisa ukulingana ezindlini zabo.”