When you first arrive in Australia, whether you are studying abroad or working, you will find that the first fixed assets of your friends in Australia are the same thing-cars.
Why on earth is this? There are three reasons for this. First, Australia's public transport is not as developed as that of China. The speed of building a railway over three years makes people wonder whether Australia is a developed country or a primitive society. Second, compared with the astonishingly expensive domestic transport costs, it costs more than $2 to take a bus stop, double the cost during the rush hour sooner or later; third, the explosion of the used car market, and the "humanization" of car prices.
In fact, whether in Australia or China, there is no doubt that there is a car for the job, life to provide a lot of convenience, which is why in recent years more people do not buy homes first buy cars. As a member of the car family, the editor deeply understands the importance of the vehicle step tool. Cars play an indispensable role in holidays and holidays, as well as shopping in supermarkets.
So necessary, then the question is, in a strange country, how on earth should we choose a car that suits us and is cost-effective? Below, the editor analyzes for you one by one, in Australia new car, second-hand car after all how to buy can be satisfied.
New car purchase Guid
For children's shoes who dare not buy used cars for fear of any problems with Hold, the new car is undoubtedly the best choice, and all the new cars come with a one-and-seven-year old factory warranty (each model has a different duration of warranty). Also let the vast majority do not understand the car, but also the need for the car family eat a solid enough to no longer be able to settle down the heart of the ball.
In Australia, the way to buy new cars and domestic is not the same, in addition to go directly to 4S shop to look at the way to order, in the website can also be bullish to send orders, so that Dealer direct delivery door-to-door!
Buy by card at 1,4S store.
The process of buying a new car in 4S store is roughly the same as that in China. The only difference should be that the price is divided into two types, one is the Drive away price, and the other is the direct driving price. It contains the price of the bare car (Manufacturer List Price), that is, the price of the official website, the price of the configuration items (such as metal paint, GPS, etc.) and the price of the (Options) and the road fare (On-road Costs). And the travel fee usually includes the third-party compulsory insurance (CTP), registration fee, (Rego), stamp duty (Stamp Duty) and transportation fee (Dealer Delivery Charges), which must be purchased by the buyer. If the vehicle is expensive, then the luxury goods tax (LCT). Is still required.
The second is the price that does not include the above-mentioned fees, that is, the suggested retail price (RRP). This kind of price is also the same as the domestic price, which is usually the price after the price minus the road fare. So when you buy a car, you must ask what the final sale price is to measure your budget.
In the editor's view, in addition to quality assurance, the original factory warranty and the price difference in future transfer and resale, the most worrying thing about buying a new car is that everyone knows that there are still some things that need to be handled after the purchase of a car (on the license plate). Don't worry about paying taxes and so on, because 4S store will do it for you, you just need to pay by card. Isn't it convenient! For the editor of this kind of nothing to do with the addition of what you don't know to buy a car idiot, this is undoubtedly the best choice!
Nevertheless, some people will still say, who knows that buying a new car is the most practical choice, but empty pockets, can only look and sigh ah.
It is true that the benefits of a new car are many, but the price is indeed frightening. Foreign students and office workers may not be able to pay for a new car with their only budget. Take it easy! The ship went straight to the bridge, and now it shows the value of the editor! The following editor on a number of major consumer groups for everyone advice!
The first category: a large army of international students
Alas, when it comes to the vast number of overseas students who are not easy to study outside, the editor really feels the same way. Because in the past is also in this way crawling and rolling, all the way through the thorns and thorns to come.
However, do not say that we are not honest, because of the many restrictions imposed by the Australian government on studying abroad visas, those students who want to buy a new car but are trapped in cash-strapped students, sincerely advise you that if the family is not a tuhao, you cannot spend a great deal of money, and you can buy it if you want to buy it. Card said brush, then quickly abandon the new car this way, into the arms of used cars!
Back then, when the editor graduated from school, his male friend wanted to change a new car, so he went to the 4S store for consultation, but also because he had no money, he wanted to borrow to buy a car (provided that at that time, the male friend had a stable income from working every month. And the company can issue a corresponding income certificate, Payslip), but verified by the store sales, Australia's government rules, student visas can not provide loans, so had to stop. Think at that time really everything is ready, only owe "visa" ah.
Type 2: office workers who have graduated with work visas
If you are an office worker who has graduated or is about to get a job visa such as a 485457 visa, congratulations, the dream of getting a loan to buy a new car and play can finally be achieved! According to Australia's government, such work visas can be granted legally, but the duration of the loan depends on the duration of the visa.
For example, you want to buy a brand-new Mazda 2 as your own tool, which costs about $20, 000 for the (Drive away. You can then apply for a loan from 4S, which will determine your ability to repay depending on the length of your visa and your income level. If you earn $3000 a month after tax and have a visa for two years, your loan will last up to two years, and 4s will determine your monthly payment on the basis of the above terms. At this point, the family can be based on the calculated data to determine whether they can bear.
But! This kind of visa is not good because it can not be directly driven by zero down payment, so relatives who want to buy a new car remember to prepare a down payment, oh ~
The third type: PR,Citizen open and hang mode, buy!
If you want to buy a car, new car owners are already in the hands or pledge to enter big Australia, then the editor must absolutely loudly congratulate you can choose at will, as long as they can afford it. Special is! Part of the car also for the Citizen in particular to provide zero down payment loan preferential policy, so you small owners "buy" of the open mode do not hesitate to start as soon as possible!
What loan time to look at visa time, car sales do not want to sell loans, all do not care! Five years and seven years is not a dream! There's nothing you can't think of, nothing you can't buy!
Tips
- Citizen or PR to borrow to buy a car must meet / provide relevant income that has been working full-time for at least 3 months to certify (Payslip).
- If Part-time works for a period of less than 6 months, documentation (such as a contract of employment) will be required to prove that the job will continue for at least 12 months.
- Part-time, short-term contractors, self-employed, contract contractors (Sub-contractor) must have sufficient documentation (such as tax returns, etc.) to prove that they have been engaged in this profession for not less than 12 months.
- The minimum loan amount is $7500, there is no upper limit!
- The repayment period of the loan must be at least 12 months, up to 7 years.
2, carsales online shopping buy a car and deliver it to the door!
When it comes to buying a car in Australia, there is a website that no one knows about, that is, the well-known Carsales: http://www.carsales.com.au..
This website is like "buy car version Taobao", whether it is individual seller, dealer or regular 4S store, every hand has car to sell, will first PO information on this website, sit and wait for buyer to come to the door.
Because there are new cars on the Carsales, Model, also have used cars, auction cars, can be said to have everything, and the new car ads are generally issued by 4S stores, so people who want to buy new cars can directly choose the right car on the website to pay for the heart water. After selecting, call in advance to see the car or let Dealer deliver the goods directly to the door.
Editor's Note: some "remote" areas, such as Blue Mountain, Wolonggang's car prices will be cheaper than Sydney's, so friends who are looking for cars on the website can call Sales directly to let them deliver their goods to the door ~ as for Delivery Fee. That depends on your ability to bargain!
Used car purchase Guide
For the vast number of students who can't afford a new car and can't get a loan, second-hand cars are undoubtedly the best choice! And this is also one of the inevitable factors that contributed to the explosion of the used car market in Australia.
In view of the indifference of the used car market in China and the fact that foreign students usually don't know about the sale of used cars, this is a guide for the vast number of netizens to exhale blood to sort out a trade guide that belongs exclusively to the used car market in Australia. Pass by do not miss, are blood lessons accumulated behind the experience ah.
1, multiple purchase channels
In Australia, because of the wide range of second-hand purchasing groups, its purchase channels and procedures are also very sound and sound. Whether it's a website, a used car dealer, a 4S store, or an government auction, you can choose until you're satisfied.
First: used car trading website
As mentioned in the previous editor, with the development and progress of science and technology, more and more individuals or merchants choose to post their cars on the website for sale, and buyers can easily search for the car they like at home. Then contact the seller or car shop for car watching and trading.
In addition to the above-mentioned largest Carsales in the Australian vehicle trading website, the editor also carefully selected the following several more popular vehicle trading sites, want to compare the three relatives can slowly pick, slowly select ha.
Cars Guide：http://www.carsguide.com.au/
Manheim: http://www.manheim.com.au
Gumtree：http://www.gumtree.com.au/cars
Second type: used car deale
On Sydney's Parramatta Road, there are all kinds of unseen models, ages of vehicles on both sides, and people who don't know what kind of vehicle shows they think they are. I don't know, this one is sold all kinds of used car dealers, and they are also an essential second-hand car market in Australia.
These professional used car companies will also Po information about their vehicles on the above-mentioned website for targeted selection by sellers. Of course, compared to individual sellers, these used car prices will be a bit more expensive, but the advantage is that most of them come with Warranty (warranty), which is undoubtedly the biggest attraction for buyers!
Because repairing a car in Australia is a really expensive thing! In addition to the cost of spare parts, labor should be the most terrible expense. In this regard, the editor can only say that in capitalist countries, blue-collar really is the most profitable, so the hard-pressed students studying abroad do not say how much they read, but they have acquired a good ability to "do it themselves, have plenty of food and clothing."
But! While these second-hand dealers are selling cars under the Warranty banner, there are also some bad traders who use them as traps. Therefore, the editor solemnly reminds you that when you buy a car in a used car shop, when you trade down prices with the seller, remember to see clearly the time and warranty part of the Guarantee, and never wait until the vehicle has problems before you realize that the problem part is not covered by the warranty. Then the gains outweigh the losses.
National Warranty Company is the vehicle Warranty Company commonly used by used car companies in Australia.
The third type: 4s store
Most relatives must think that 4S store is not only selling new cars, how can there be second-hand cars to sell?!
In fact, the editor has always thought so, but since editor and friend in 4S shop bought a used car, only then suddenly realized.
Nevertheless, we should remind you that the price of used cars sold in the 4S store should be the most expensive, but the price behind the expensive price is also a reliable guarantee, at least there will not be too much pit trap waiting for you to jump in. And when it comes to the sources of these used cars, most of them are from the old Trade-in (which is sold back to 4S) when customers buy new cars. Or the shop sales personnel as a bus to a certain number of miles (10-20,000 kilometers) after the sale of second-hand car prices, so that the maintenance of its vehicles absolutely perfect.
Fourth: auction
In addition to the above-mentioned conventional car-buying channels, auctions are also a good option in Greater Australia.
Most of the auctioneers come from government's public cars, which are generally in better condition, lower mileage and cheaper than the Dealer. But the only drawback is that the buyer cannot test the car and can only listen to the sound of the engine, plus observe the inside and outside structure of the car and its components.
So, if you have a limited budget and want to buy a low-mileage vehicle, auctions are definitely the best option for you with a strong heart.
The careful editor hand in hand Australia's largest vehicle auction site, Pickles: http://www.pickles.com.au/.
2, considerations for second-hand car purchase
Whether you buy a car from a personal seller or a second-hand dealer, make sure you have an overall Inspection (condition check) of the vehicle before making sure you buy it. Possible Dealer will show the buyer their inspection report on the car, but the editor still reminds you that your circle of water is deep, only to prove it is the right way.
There is no doubt that the cost of Inspection is paid by the buyer, and there are many companies in Australia that can offer the fee service, and the editor recommends a few of the more famous:
MTA Vehicle Inspection：http://www.mtavehicleinspections.com.au/
Redbook：https://www.redbook.com.au/inspect
NRMA：http://www.mynrma.com.au/motoring-services/motorserve/car-services/vehicle-inspection.htm
RACQ：http://www.racq.com.au/cars-and-driving/products-and-services/vehicle-inspections
A detailed report will be issued after the vehicle has completed the inspection, and at this time we can take this report to the seller to cut the price with reason and vigour!
According to the vehicle's Registration Number (license plate number) MyRTA's website spent $25 on the vehicle's history, focusing on whether there was a major accident (Written-Off) and the owner's record-the less the former owner, the better.
Check the vehicle maintenance record (Service Logbook), to see if its former owner has regular vehicle maintenance.
If you buy a car from a personal seller, you must insist that the seller provide a certificate of identification (, such as a driver's license, and the Rego. of the car. Check whether the registered names are the same and write down the data for later verification. When looking at the vehicle Rego, remember to see if the registration form is described as the car to be sold, and whether the registration has expired. If none of the above is wrong, the car will be avoided as an unfair gain.
When you buy an inquiry, you must remember to ask whether the price is already mentioned by Drive away (as mentioned above) or whether the Excluede Government Charges (does not include vehicle license plate transfer fees, stamp duty-3% of the vehicle price, and handling charges, etc.) In case the seller does anything about the price.
When the right to use a vehicle is transferred, the license plate registration of the vehicle must also be transferred from the seller to the buyer. The seller needs to sign the back of the car's registration form (Rego) at the completion of the transaction and fill out the Vehicle Registration Transfer Form to the buyer as soon as possible so that it can be handed over to RTA to complete the owner's transfer.
Details of government's fees and procedures for vehicle transfer in Australia can be found on RTA's website: http://www.rms.nsw.gov.au/roads/registration/transfer/index.html.
If your budget is a little tight, and you still want to buy a near-new car, then the editor gives you a move-you can buy a car at the used car dealer can borrow, but! Only to have an Australian driver's license! In other words, if you have an Australian driver's license, then lending is not a problem, the only problem is-depending on the license level, the interest rate on the loan will fluctuate (because the Dealer loans are made through financial institutions rather than banks). So interest rates in this way are higher than banks).
For an introduction to the Australian driver's license, please stamp:
Automobile Insurance
Buying a car must be insured, just as it is important to wear shoes when you go out. Because insurance not only protects its own safety, but also protects the owner's own interests, which is also the necessity of the existence of insurance industry-reducing the loss of benefits to the maximum.
1, car insurance category
In Australia, there are basically four categories of car insurance:
CTP (Compulsory Third Party) Green Slip Insurance (compulsory risk): CTP is a mandatory insurance policy for every vehicle on the road with a legal license, which must be purchased with the vehicle's Rego. As to why mandatory, mainly in order to protect the life of drivers, passengers or passers-by, that is, when there is a vehicle accident, there is no one to take care of the situation. To put it simply, CTP only cares about people, regardless of the car.
Third Party Property Damage Car Insurance (basic Tripartite Insurance): third-party property damage insurance, which compensates for property damage caused by third parties after an accident, but does not cover the cost of self-repair. For example, I accidentally rear-ended the front car and crashed the bumper on the road, so my tripartite insurance is responsible for the money of the other car repairing the bumper. Editor suggests that if their own funds are limited, can not afford to pay the cost of total insurance, then this insurance must be bought! Not for anything else, but for yourself.
(Third Party Fire & Theft Car Insurance (theft and fire insurance): this risk is generally an additional risk, that is, if you only buy a three-way insurance, then you can add a little more money to this risk to protect the auto-ignition of vehicles, theft and other property losses.
Road Assistance Insurance (Road Rescue (Road Assistance Insurance (Road Rescue): as the name implies, this insurance guarantees that no matter where you are, what happens to the vehicle, just one phone call, the company you are insured will come to rescue you in the first place. Because each company has different types of insurance, this insurance can sometimes be purchased as a separate / additional type of insurance, and sometimes covered by comprehensive full coverage, as described on the websites of the major insurance companies.
Comprehensive Car Insurance (basic Total Insurance): basic Total Insurance covers property losses of third-party and policy-holder vehicles, as well as additional loss of interest caused by vehicle fires, theft, major natural disaster, etc., and is also covered by wheels, ceilings, sound systems, etc. But this total risk does not include damage to the car windows.
Comprehensive Plus Car Insurance (all risks): this class of all risks should be the most "high-end" car insurance. In addition to the claims covered by the above-mentioned basic total insurance, there are also additional compensation provisions such as broken windows, protection of the benefits of car repair or rental of vehicles during stolen periods, and road rescue of vehicles.
Therefore, the editor suggests that if you are not short of money, you must drive a car with a $8- one hundred thousand, then there is no hesitation to buy the most complete car insurance. But if the family members or students, simply to buy a car for convenient travel, there is a substitute tool, then sincerely remind you, all insurance can buy, really not three-way insurance and theft and rescue must also be on!
PS. Here, the editor only gives a general introduction to the contents covered by various types of insurance. Because Australia is different from the domestic market, the premiums of each company and each insurance claim settlement item are different, so the specific situation is analyzed in detail. Relatives or to each company's insurance rules prevail, see the details of the company's website!
2. Australian car insurance company
Unlike the industry monopoly of big insurance companies such as Tai Tian Ping an, Life Insurance, and so on, in Australia, a wide variety of insurance companies continue to brag about how perfect and affordable their home is by various means of communication. Absolutely let you dazzle at the same time by brainwashing.
Therefore, for the sake of everyone's interests, the editor of conscience is to sum up a few of the local reputation and status in the region, and the better reputation of insurance companies for each of the small major goods than three, carefully selected.
NRMA--, the leader of the Australian insurance industry! Look at the street is full of NRMA outlets, road rescue vehicles can be seen everywhere, can imagine the strength of the company how strong! Friends around any car, insurance 100% is his family, there is no accident! But its hardline behind naturally also has the high premium support, so the editor is still that sentence-if you have the money, then buy!
NRMA Web site: http://www.nrma.com.au/car-insurance
Allianz-- Allianz Europe AG is the world's largest financial services group with major operations in insurance, Germany's largest insurer. Despite its reputation in the world, the company has slightly outperformed the NRMA in its car-insurance business in greater Australia in the southern hemisphere. However, the strength is not blown out, the company and a number of brands of 4S stores have co-operation, so its customers in Australia is still one of the best. The editor's current car insurance company is his family. (Sales's only feeling so far when he bought a car at 4S store is that it's expensive.
Allianz Web site: https://www.allianz.com.au/car-insurance
AAMI--AAMI is an insurance company based in Australia with branches in all states. Aami is one of the most popular insurers in Australia for two reasons. The first is that the insurance price is the most reasonable in all well-known companies and suitable for the burden of foreign students and office workers. The second is the humanization of its insurance category setting, which is suitable for those with limited funds to obtain the most needed service items at the most appropriate price. For example, if you want to buy three parties and theft insurance, you don't have to buy two risks separately, but simply check the additional options at the end of the online purchase process-Third Party Fire & Theft Car Insurance, which automatically generates the due price at settlement. It's always convenient! I think the editor was a big fan of his family!
AAMI Web site: https://www.aami.com.au/car-insurance.html
QBE--QBE, which claims to be Australia's largest insurer, has a leading position in the world, not just in Australia, but also in the United States, Europe and the Asia-Pacific region. The editor interposed in silence, this company is so awesome! I never knew! Well, it's me, Out. It seems that QBE also has an unshakable leadership position in Australia, only to know that some big companies (such as Nab) have insurance on their public cars, and that some of them are covered by his family.
QBE Web site: https://www.qbe.com.au/personal/quote/vehicle
Headquartered in Brisbane, Australia, Budget Direct--Budget Direct is a local insurance company with the aim of "low fees, high returns". It has been well received in Australia, and the performance of every state is evident, with especially winning almost entirely in the driver Assessment Award (the driver profile awards). Today, seven out of every eight drivers support, Budget Direct, which is now Victoria's fastest-growing insurer.
Budget Direct Web site: https://www.budgetdirect.com.au/car-insurance.html
In addition to the five more well-known Australian insurance companies, RAA,RACQ and other insurance companies can also be one of the options for each of the small major goods ratio, even the famous Commonwealth Bank also has its own insurance business. In short, the choice of multiple paths, fine selection will not be wrong!
3. Car insurance buying tricks
On-line purchase cost Savin
Almost all insurance companies now offer online purchases to auto insurance customers.
Customers can first log on to each company's website, fill in the relevant vehicle and owner information according to the steps, so as to obtain the relevant quotation on the Internet (Quote), and then purchase the car insurance online.
The advantage of website purchases over phone purchases is that some insurers can offer discounts of up to $50 or even 10%. The important thing is! No matter what kind of research you have done before you buy auto insurance, getting an online offer and buying is the quickest and most accurate way to compare the insurance companies, which undoubtedly provides the most reliable protection for selecting the most suitable car insurance for yourself!
Free choice of monthly / annual payment
The biggest benefit of buying insurance in Australia is the ability to pay monthly (automatically deducted from the card on a fixed monthly basis) and the annual payment (one sexual intercourse with a one-year premium). Of course, overall, annual payments will be a bit more than monthly payments, but for economic's nervous monthly family, monthly payments are undoubtedly the best way to reduce stress. However, if the family is well-off, then pay in the next year, because it can really save money.
Age limit for drivers
Since reinsurance companies under the age of 25 appear to be at greater risk of claims, if you are a driver over 25, many insurance companies offer a certain amount of premium discount. From this estimate, the richer the driving age, the more affordable the premium.
The premium for car purchase on loan is slightly highe
In general, if you apply for a loan to buy a car, then the bank or the loan financial institution will often require the car buyer to insure the car in the loan period, and the cost of this all-insurance will be slightly higher than normal.
Increase the cost of insurance to reduce the premium
If the insured increases the (Excess), premium when insured, the insurance premium will also be reduced accordingly. Excess is when the fault of the policyholder leads to the occurrence of the accident, and the insured applies to the insurance company for compensation. Then the insurance company can reduce the amount of compensation.
For example, if a policyholder claims $5,000 from an insurance company, and the insured applies for an Excess of $800, the amount of compensation available to the policyholder is $4200. Experienced drivers can consider increasing Excess appropriately to avoid high premiums. However, warm-hearted editor still wants to urge you, different car owners may differ greatly, so must make a choice according to their own conditions, must not blindly follow.
In addition, in the same insurance company to cover multiple types of insurance, after a minor accident do not easily claim (reduce the number of claims), renewal in the same company, and so on, can reduce the cost of insurance to a certain extent.
In short, there are a lot of ways to reduce the premium, and it depends on how you can use it flexibly.
Finally, the editor would like to talk to you a few heartfelt words, but also a few years of accumulated experience in Sydney to buy cars.
It takes time to buy a car-a mid-year Financial Year and a Christmas discount at the end of the year.
Australia's two biggest discounts a year are mid-year and end-of-year, and this time of year, not only are major shopping malls, brand clearing promotions, but even four wheels clear inventory sales. So the children who want to buy a car, whether it is a new car or a second-hand car, in these two periods of time to buy the most suitable, only need to remember two words-bargain!
Non-local and high-performance on the purchase of a high price-to-performance!
If you are not the son of a cash-strapped coal boss, or a cool second generation with a black card brush, the editor advises you with a blood-like lesson: buy a car with a high price-to-price ratio!
Whether it's to consider the difference in the future or worry about changing Australian oil prices, Japanese cars, Ford, and Horton are undoubtedly the best choices for working-class and international students.
First of all, Japanese cars, whether in the face of traffic jams in China or Australia's high labor costs, would be the best choice. Although, in general, the price of the next-day car is not cheap, but its future transfer rate, resale price and maintenance costs will be the most personally worth it.
Horton is an Australian local brand, can be said to be worth buying a good deal, just like buying a domestic car, from the price to maintenance is a capital "real"!
Ford cost-effective is because of its plant in Australia, which can be seen in part as "home-made". When you repair a car, you will find that Ford's car parts are more cost-effective than Japanese cars, which is why all the taxis in Sydney are Ford.
All right! Up to this point, the editor who should say what should not be said is full of words and words, and the most detailed Australian car purchase strategy in history is just like that. If there are new discoveries in the future, in the next will still be updated at the first time, do not want anything else, only for your good I good everyone good, everyone is really good ah!
Welcome to look at the guidance, comments, small open-minded acceptance of the ~ how!
From: micro Sydney, original: http://www.wesydney.com.au/australia-buy-cars-guide
