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Experience in Buying Cars in Australia

17891012

Comments

  • rinabellarinabella MandaluyongPosts: 9Member
    @pangrom0529 ah sige po ill just ask my employer about dun
  • fgsfgs Cooper BasinPosts: 970Member
    @rinabella ..about novated lease----is a three party agreement between the employee, employer and the finance company (i.e. lease provider), organised by employer'’s approved Novated Lease Fleet Management Company.
    The employee enters into a leasing agreement between himself/herself and the finance company for the provision of a vehicle. The employee, employer, and the finance company enter into a Full Novation Agreement under which the employer agrees to take on the responsibility of paying the finance company on behalf of the employee.
    The lease payments and vehicle running costs are paid from the employee’s pre and in some cases post – tax remuneration to our approved Fleet Management Company, so long as the lease is Novated. The approved Fleet Management Company then pays the finance company and suppliers on behalf of the employer and the employee, so long as the lease is novated to the employer.
  • rinabellarinabella MandaluyongPosts: 9Member
    @fgs thank you sa pagexplain ng process..nkaindicate lng kasi s contract ko na may salary sacrifice pro hindi nakaindicate ung about s process ng paglease..tanungin ko nlng cguro ren sila about dyan
  • rinabellarinabella MandaluyongPosts: 9Member
    @fgs ok po ba ang bumili ng used car s honda or toyota?
  • fgsfgs Cooper BasinPosts: 970Member
    @rinabella god thing with novated lease is bawas don sa pre-tax income mo, meaning mas mababa ang tax na babayaran mo. Di ja rin magbabayad ng GST on the purchase at saka kung may discount nakukuha yong fleet company malaking bagay din yon...all expenses related sa car( fuel, insurance, maintenance) lahat ay bawas na sa salary mo(computed based sa idedeclare mo na km run etc.) then irerecompute pagkatapos ng contract kung may over/under payment ka
  • fgsfgs Cooper BasinPosts: 970Member
    @rinabella maganda ang quality ng used car dito especially sa mga dealers, so ok lang na for the meantime used car bilhin mo....yong salary sacrifice yata ay more on deduction na mapupunta sa Super mo as savings...magandang gawin yan kung lalampas sa tax bracket ang salary mo..instead of paying a higher tax, isasacrifice mo yong salary mo towards your super para ang basis ng tax computation ay bababa
  • fgsfgs Cooper BasinPosts: 970Member
    @rinabella sino ba employer mo? Usually naka indicate naman yong mga benefits mo as employee don sa handbook or website nyo.
  • Andoy31Andoy31 BrisbanePosts: 99Member
    Pwede bang magdownpayment sa novated lease para mas mababa ang kaltas sa salary or it's not cost effective?

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  • quicksilverquicksilver MelbournePosts: 32Member
    Hello. Not sure kung san thread ko post question ko eh. Dito ako napunta.

    What do you hear/know about the Skoda brand dyan sa Australia? Good quality and service ba? One site in UK awards this as small car winner (http://awards.whatcar.com/small). If for brand new small car, what would you go with?
  • bugsy1978bugsy1978 SydneyPosts: 3Member
    @quicksilver Dont recommend Skoda relatively unknown in Oz. Go for Toyota or Mazda.
  • bugsy1978bugsy1978 SydneyPosts: 3Member
    @Andoy31 ... thats not recommended and its not tax effective
  • JCsantosJCsantos SydneyPosts: 1,416Member, Moderator
    edited April 2016
    @fgs ok po ba ang bumili ng used car s honda or toyota?
    Its More expensive from dealership

    I would take my time buying from a direct seller, but yes I'm sure from a dealership there is warranty or guarantee that what you buy from them is not a lemon

    Google for Everything !!!

  • thegreatiam15thegreatiam15 SydneyPosts: 799Member
    hello, plan ko sana bumili nang mumurahing sasakyan sana kaso ang region ko is ACT gusto ko sana yung honda jazz pero so far sa NSW lang ako nakakakita nang automatic na nasa 3k

    question: pwede ba akong bumili nang kotse from a different state kahit na nasa ACT ako?

    yung registration ba non need ipabago?

    salamats!

    I haven't lost everything except my mind...

  • rohani99rohani99 OzPosts: 56Member
    mga guru, may tanong lang ako, sana may makapagbigay ng input kasi gulong-gulo na talaga ko hehe

    Meron akong nagustuhan na 2015 suzuki swift glx navigator automatic na suma tutal $19,400 ung kelangan i-finance (tapat na presyo na after dagdag upgrades and bawas ung downpayment)

    nagquote sakin na na-approve ung in-house financing kaso nung nagcompute nako pumatak na mga $7,380 ung ibabayad ko in total sa interest, ang tanong ko sana e kung katanggap tanggap ba sya?

    salamat and pasensya na sa overwhelming details.

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  • thegreatiam15thegreatiam15 SydneyPosts: 799Member
    rohani99 said:

    mga guru, may tanong lang ako, sana may makapagbigay ng input kasi gulong-gulo na talaga ko hehe



    Meron akong nagustuhan na 2015 suzuki swift glx navigator automatic na suma tutal $19,400 ung kelangan i-finance (tapat na presyo na after dagdag upgrades and bawas ung downpayment)



    nagquote sakin na na-approve ung in-house financing kaso nung nagcompute nako pumatak na mga $7,380 ung ibabayad ko in total sa interest, ang tanong ko sana e kung katanggap tanggap ba sya?



    salamat and pasensya na sa overwhelming details.

    kung hindi naman hassle sayo every month magkano babayaran mo in let's say 3 years then ok lang yun lalo kung gusto mo talaga yung sasakyan

    kung makakahassle lang sa araw araw na bayarin mas maigi mag private seller kana lang muna mura mura kaunting auto full service lang reliable na yun

    nakakuha ako subaru forester for under 2K aud lang kaunting service lang ok na siya

    basta umaandar at nakakarating sa paroroonan ayos na din haha

    I haven't lost everything except my mind...

  • rohani99rohani99 OzPosts: 56Member
    @thegreatiam15 salamat sa input, ganun ko na nga lang titignan kasi kakatawag lang din nila, 8.2% annual interest pala yung ibinigay, medyo mababa nadin kahit pano :)

    yung vw golf 2001 ung una namin nakuha sa gumtree, ayos naman siya pero lately nagcucruise control magisa hehe tip lang sa bibili lalo na sa katulad namin na wala alam sa sasakyan alamin niyo kung ung engine check indicator light e nagaappear. sa case namin walang ilaw ung check engine kasi pinundi siya talaga nung seller, so para siyang walang error pero sa totoong buhay meron kaso di nagfa-flash. sorry kung magulo

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  • thegreatiam15thegreatiam15 SydneyPosts: 799Member
    @rohani99

    yung saken nagpa full service ako at the moment na nakakuha ako work agad e kasi gusto ko maging reliable yung car tapos syempre pag nagwatak watak timing belt paalam sasakyan e

    tas dun sa talyer inexplain saken nung mekaniko kung ano reasons nung mga sticker tapos dun ko naintindihan

    well plan ko toyota lang pero saka nalang muna pag hingal na yung sasakyan ko haha

    I haven't lost everything except my mind...

  • jepoy527jepoy527 SydneyPosts: 243Member
    @rohani99 ask around sa mga banks para maraming choices at makita mo yung kung sino ang mas maliit ang babayaran mong interest. wag mag-compare sa kung ilang %, mas ok na yung total interest (including processing fees, atbp) ang gawing comparison.

    regarding naman sa dealer price, may nakausap akong pinay na nagtatrabaho as manager sa bank sabi nya (ewan kung nagyayabang lang) tumawad ka daw agad ng aud5k sa price. pag di pumayag, alis ka daw agad. ganyan daw ginagawa nya dun sa 3 cars na nabili nya at nakatawad sya ng 3k ~ 5k. tas bibili ka daw pag malapit na ang end of month kasi dyan yung time na nagpe-prepare na sila ng sales report at pag di sila aabot ng quota, advantage para sayo yun kasi ibabagsak nila (sales agent) ang presyo para lang maabot ang quota.

    madami naman dealers dyan kaya try mo rin magtanong-tanong baka makabawas ka sa ibang dealers.

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  • layao2002layao2002 ACTPosts: 48Member
    @thegreatiam15 Saan ka nagtingin tingin na auto? at magkano din nagastos mo sa full service. thanks men

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  • tartakobskytartakobsky MelbournePosts: 276Member
    jepoy527 said:

    @rohani99 ask around sa mga banks para maraming choices at makita mo yung kung sino ang mas maliit ang babayaran mong interest. wag mag-compare sa kung ilang %, mas ok na yung total interest (including processing fees, atbp) ang gawing comparison.

    regarding naman sa dealer price, may nakausap akong pinay na nagtatrabaho as manager sa bank sabi nya (ewan kung nagyayabang lang) tumawad ka daw agad ng aud5k sa price. pag di pumayag, alis ka daw agad. ganyan daw ginagawa nya dun sa 3 cars na nabili nya at nakatawad sya ng 3k ~ 5k. tas bibili ka daw pag malapit na ang end of month kasi dyan yung time na nagpe-prepare na sila ng sales report at pag di sila aabot ng quota, advantage para sayo yun kasi ibabagsak nila (sales agent) ang presyo para lang maabot ang quota.

    madami naman dealers dyan kaya try mo rin magtanong-tanong baka makabawas ka sa ibang dealers.

    yup, its true, nakadiscount ako ng $5800 nung nag-sale ang hyundai.

    312512
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  • batmanbatman Darwin AustraliaPosts: 3,384Member, Moderator
    @tartakobsky tinwaran mo din yun at yun ang binigay 5.8k? bigs savings.

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  • mimicmimic SydneyPosts: 403Member
    Super big time ang cars niyo. Our Fold Falcon was just $900 lol been using it for 2 years.
  • tartakobskytartakobsky MelbournePosts: 276Member
    batman said:

    @tartakobsky tinwaran mo din yun at yun ang binigay 5.8k? bigs savings.

    goodmorning! actually hindi naman tinawaran, dahil lang sa promo.

    last march nag-promo ang hyundai, 19,990 driveaway with free auto. nagbasa-basa ako ng review tapos nagpa-sked ng test drive. After ng test drive sabi ko may appointment pa kami sa toyota (pero wala naman talaga).

    Humirit yung ahente ano daw pwede nya gawin para di na kami pumunta sa toyota. Sabi ko pwede mo ba palitan ng alloy mags yung steel wheels? Hindi daw. I-free mo nalang yung metallic paint? (plus 500 din kasi). Pumayag. Sa accessories naman, tint lang kinuha ko (added $450, orig price $500).

    So ayun, nakuha ko ang oto at 19,990+ tint 450. Pagtingin ko sa resibo nakalagay 5800 discount. Meron pa kasi ibang fees at charges tulad ng stamp duty, dealer delivery, rego, etc. Kaya mas maganda magtingin ng driveaway, no more to pay na price.

    312512
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  • thegreatiam15thegreatiam15 SydneyPosts: 799Member
    edited August 2016
    hello sa lahat first time ko sana kuha nang brand new sa dealer nang bagong auto

    itago natin sa pangalan ang company na "LINUK"

    nakakuha ako tawag galing sa kanila naapproved daw finance ko tapos naorder na yung sasakyan ayon sa sales agent

    sunod nung araw na bago delivery 2 days nagrequest na sila documents saken kagaya nang bank statements, payslips, employment contract (nabigay ko na 1 month ago) at character references na hindi nakatira sa same address

    one day bago delivery tumawag ulet ang company na nagaasikaso nang finance na nireject daw payslip ko kasi generic daw

    hiningi yung company ABN at BSB pati acct nang kumpanya

    binigay ko direct email nang amo at siya mismo nagprovide nung ABN, bsb at acct # kung saan nakukuha namin payroll

    tanong ko lang:

    may sitwasyon bang ganito na naprovide mo lahat nang necessary documents tapos bigla bago arwa nang delivery sabihin sayo na hindi mo pwede kunin sasakyan kasi ayaw pumayag nang finance?

    sunod ang sabi saken kausapin daw ako nang amo or boss nung finance para sa options ko
    na hindi ko alam kung ano yung iproprose na options pero kung may nakakaalam baka pwede makakakuha sana advise.

    pangatlo 1 day palang yung pinirmahan kong contract at walang pirma dun sa baba yung finance at nakalagay subject yung customer to decline anytime to decline the offer once na nadisapprove yung credit

    tanong dito sa last papaano madidecline yung credit kung una palang naapprove finance sunod naorder sasakyan andon na rehistro at ready na lahat lahat nakakabit na din yung mga add ons na pinili ko plus yung clear coating sa sasakyan.

    sana may makatulong maraming salamat

    I haven't lost everything except my mind...

  • rich88rich88 Quezon CityPosts: 1,022Member
    @mimic hi bro, kamusta naman ang parts availability ng ford falcon dyan? Plan ko rin kasi mag ford muna na second hand habang hindi pa stable saka habang nagsasanay rin na mag drive ng RHD..

    Pansin ko kasi na ang baba ng resale value ng Ford, good deal para sa mga used car buyers.

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    IED: March 2017

  • mimicmimic SydneyPosts: 403Member
    rich88 said:

    @mimic hi bro, kamusta naman ang parts availability ng ford falcon dyan? Plan ko rin kasi mag ford muna na second hand habang hindi pa stable saka habang nagsasanay rin na mag drive ng RHD..

    Pansin ko kasi na ang baba ng resale value ng Ford, good deal para sa mga used car buyers.

    Maraming available. May mga nagsspecialise din ng fprd parts. 2nd hand. Very cheap. Pwede mo rin try holden kasi Aussie brand. Mramaing parts around and cheaper. Maraming ford falcon around so madaming parts.
  • thegreatiam15thegreatiam15 SydneyPosts: 799Member
    sino ang nagdadrive nang hyundai santa fe highlander dito 2016? maganda ba? hehe

    I haven't lost everything except my mind...

  • rich88rich88 Quezon CityPosts: 1,022Member
    @mimic salamat bro.. :) target ko na ford falcon for my first used car pang practice hehe..

    Timeline
    01-Apr-16 - PTE-A Exam Result
    08-Jul-16 - ACS Result + EOI submission (65 @ 189, 70 @ 190)
    29-July-16 - Received invitation to apply for NSW SS
    10-Aug-16 - ITA received
    25-Aug-16 - Lodged Visa 190 (all applicable documents uploaded)
    20-Sep-16 - Visa Grant (Thank you Lord...)

    IED: March 2017

  • ironman_gray22ironman_gray22 North RydePosts: 212Member
    planning to get a 2nd hand suv for the coming months. SIno may experience to buy in a dealer? Wala kasi ako alam sa pagchecheck ng engine so for peace of mind sa Dealer ang target kahit mas mahal ng konte. Is it okay Dec ba bumili? Thanks sa mga sasagot.

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  • thegreatiam15thegreatiam15 SydneyPosts: 799Member
    @ironman_gray22

    ok naman sa dealer as long as maprovide mo lahat nang necessary documents at saka requirements nila usually ang tatawagan diyan yung amo mo sa office or company nyo magtatanong sila ng mga specifics tungkol sa employment mo once nasatisfy yun makukuha mo brand new yung kotse.

    I haven't lost everything except my mind...

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