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Experience in Buying Cars in Australia

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Comments

  • kremitzkremitz North Ryde
    Posts: 1,074Member
    Joined: Apr 17, 2013
    @gmad06 congrats on ur new ride :) how many years po ang loan and nasa how much po monthly?anong year model po yang crv nyo?

    Occupation: Software Engineer (ANZSCO Code 261313)
    Main applicant : Husband
    April 29, 2013 : ACS Skills assessment
    July 22, 2013 : ACS assessment result
    January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
    January 12, 2013: Lodged EOI (65points)
    January 13, 2013: Invited to apply for visa 189
    February 9, 2014: Lodged visa
    March 1, 2014: Medicals at NHSI
    March 6: email from CO requesting form 80 and hubby's NBI Clearance
    March 25, 2014: visa grant. Thank you lord
    June 8,2014: Hubby arrived in Sydney
    Sept 11,2014: Hubby's first day of work. Thank you Lord!
    Feb 7, 2015 : Baby and I arrived in Sydney
    April 13, 2015: My first day of work :)

  • kremitzkremitz North Ryde
    Posts: 1,074Member
    Joined: Apr 17, 2013
    Im also curious kung like how much ba sya initially?tipong nakapag haggle kaba ng price n gusto mo?

    Occupation: Software Engineer (ANZSCO Code 261313)
    Main applicant : Husband
    April 29, 2013 : ACS Skills assessment
    July 22, 2013 : ACS assessment result
    January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
    January 12, 2013: Lodged EOI (65points)
    January 13, 2013: Invited to apply for visa 189
    February 9, 2014: Lodged visa
    March 1, 2014: Medicals at NHSI
    March 6: email from CO requesting form 80 and hubby's NBI Clearance
    March 25, 2014: visa grant. Thank you lord
    June 8,2014: Hubby arrived in Sydney
    Sept 11,2014: Hubby's first day of work. Thank you Lord!
    Feb 7, 2015 : Baby and I arrived in Sydney
    April 13, 2015: My first day of work :)

  • gmad06gmad06 Melbourne
    Posts: 490Member
    Joined: Aug 21, 2012
    @kremitz 2007 yung nakuha ko and inavail ko na term is 5 years. medyu fixed na kasi ang price kasi mababa na sya compared to normal price at considering sa Honda mismo ako kumuha, mahirap na tawaran. They did offer me other deeds like delivering the car to my place kasi malayo from north to south, tsaka finull tank niya yung kotse. At pwede rin ako mag early termination sa financing ko. Medyu nahalata nga nya na hindi ako expert sa CRV so tinuruan niya ako anong mga features at paano gamitin..so I was impressed...I've had bad experiences with other caryards so nag go na ako dito..

    Nominated Skill 263111 Computer Network and Systems
    Engineer
    1-26-2013 Submitted ACS Assesment
    4-2-2013 ACS assesment received suitable/Bachelor's Degree
    9-7-2013 IELTS 2nd retake w/EOR ( L-8.5,R-9,W-7,S-7) thank u Lord
    11-4-2013 got invite for 189VISA..
    11-11-2013 lodged visa application
    11-21-2013 medicals uploaded, no further exams required
    11-28-2013 CO allocated, Team 6 Adelaide
    12-18-2013 Completed all documents required
    12-19-2013 Visa Grant; IED Nov.18,2014 God Loves Us!!
    07-27-2014 Arrived Melbourne
    09-11-2014 Received job offer
    09-29-2014 First day at work
    11-15-2014 Bought our first car

    Even if we don't have the power to choose where we come from, we can still choose where we go from there

  • chollecholle Sydney
    Posts: 403Member
    Joined: Nov 21, 2013
    Just got my finance approved today! Mukhang next week magdadrive na rin ako rito :)

    Occupation: Other Spatial Scientist (ANZSCO Code 232214)
    30 Nov 2013 - IELTS Academic R8.5 W8 L8.5 S9 / Overall 8.5
    10 Feb 2014 - Skills Assessment (VETASSESS)
    23 May 2014 - VETASSESS Outcome: Positive
    27 May 2014 - EOI (70 points)
    9 Jun 2014 - Visa invitation received, application lodged (SI189)
    2 Jul 2014 - CO allocation
    6 Aug 2014 - Visa granted (IED 4 Jul 2015)
    11 Oct 2014 - Moved to Sydney
    20 Oct 2014 - Job offer
    29 Oct 2014 - Start of work
    17-26 Dec 2014 - Dog at Sydney quarantine
    24 Dec 2014 - Partner's initial entry (Maligayang Pasko!)
    16 May 2017 - Purchase first property
    17 Oct 2018 - Citizenship application lodged (Council: City of Sydney)
    8 Jul 2019: Test invite
    20 Aug 2019: Test: (originally 20/9/19)
    21 Aug 2019: Citizenship Approved
    31 October 2019: Citizenship Ceremony 🇦🇺

  • kremitzkremitz North Ryde
    Posts: 1,074Member
    Joined: Apr 17, 2013
    @gmad06 mukhang murA n nga yan ah :)

    Occupation: Software Engineer (ANZSCO Code 261313)
    Main applicant : Husband
    April 29, 2013 : ACS Skills assessment
    July 22, 2013 : ACS assessment result
    January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
    January 12, 2013: Lodged EOI (65points)
    January 13, 2013: Invited to apply for visa 189
    February 9, 2014: Lodged visa
    March 1, 2014: Medicals at NHSI
    March 6: email from CO requesting form 80 and hubby's NBI Clearance
    March 25, 2014: visa grant. Thank you lord
    June 8,2014: Hubby arrived in Sydney
    Sept 11,2014: Hubby's first day of work. Thank you Lord!
    Feb 7, 2015 : Baby and I arrived in Sydney
    April 13, 2015: My first day of work :)

  • RuCheRuChe Melbourne
    Posts: 100Member
    Joined: Jun 25, 2013
    Nice car gmad06! Congrats din cholle. :)

    We also just bought Toyota Corolla sports hatch. 2 days ago namin nakuha. Buti na-approve yung financing sa toyota din, kahit contracting lang ako and hubby is not yet working. Medyo mataas lang interest, 10.5% kase high risk daw kami which is true naman. Hanap pa kami insurance.
  • kremitzkremitz North Ryde
    Posts: 1,074Member
    Joined: Apr 17, 2013
    Congrats @ruche. Brand new po bili nyo?

    Occupation: Software Engineer (ANZSCO Code 261313)
    Main applicant : Husband
    April 29, 2013 : ACS Skills assessment
    July 22, 2013 : ACS assessment result
    January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
    January 12, 2013: Lodged EOI (65points)
    January 13, 2013: Invited to apply for visa 189
    February 9, 2014: Lodged visa
    March 1, 2014: Medicals at NHSI
    March 6: email from CO requesting form 80 and hubby's NBI Clearance
    March 25, 2014: visa grant. Thank you lord
    June 8,2014: Hubby arrived in Sydney
    Sept 11,2014: Hubby's first day of work. Thank you Lord!
    Feb 7, 2015 : Baby and I arrived in Sydney
    April 13, 2015: My first day of work :)

  • RuCheRuChe Melbourne
    Posts: 100Member
    Joined: Jun 25, 2013
    Yup kremitz. Tagal din naming pinag isipan kung brand new or used. Pero sobrang nadala kase si hubby sa used car namin before sa pinas kaya ayaw na nya mag take risk uli. Plus ala kmi alam pareho sa sasakyan. Hehe. Binigyan naman kami ng discounts and free yung metallic paint.
  • multitaskingmultitasking North Ryde
    Posts: 544Member
    Joined: Oct 02, 2012
    congrats sa mga bagong car owners.. =D>

    May 2012 - Revalidated ACS Application (System Analyst)
    9/1/2012 - Taken My 3rd IELTS Exam
    9/14/2012 - Got IELTS results: L=8,R=8.5,W=7,S=7 .. :-) .. pag may tiyaga..may nilaga
    9/15/2012 - Updated my EOI = 65 points (visa 190);60 (VISA 189)
    10/10/2012 - Australia Federal Police Clearance Submitted Online
    10/11/2012 - FBI Clearance Sent Through DHL
    10/22/2012 - Received scan copy of AFP clearance from my friend in Melbourne
    11/15/2012 - Received Invitation for 189 (about 2 months after 60 pts effectivity)
    11/24/2012 - 189 VISA Lodged
    11/29/2012 - DIAC Ack :-)
    12/4/2012 - Received FBI clearance. Friend in US sent scanned copy
    12/17/2012 - CO Assigned
    04/17/2013 Visa 189 Granted.. Thank you Lord...
    08/09/2013 - Flight to Sydney through PAL
    08/10/2013 - Touchdown Sydney
    08/12/2013 - Start of Job Hunt in Australia
    08/26/2013 - First day of work... THANK YOU LORD...
    07/16/2015 - Transferred to my second job/company
    Pray, Hope AND Don't Worry - Padre Pio

  • kremitzkremitz North Ryde
    Posts: 1,074Member
    Joined: Apr 17, 2013
    Naks congrats @ruche

    Occupation: Software Engineer (ANZSCO Code 261313)
    Main applicant : Husband
    April 29, 2013 : ACS Skills assessment
    July 22, 2013 : ACS assessment result
    January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
    January 12, 2013: Lodged EOI (65points)
    January 13, 2013: Invited to apply for visa 189
    February 9, 2014: Lodged visa
    March 1, 2014: Medicals at NHSI
    March 6: email from CO requesting form 80 and hubby's NBI Clearance
    March 25, 2014: visa grant. Thank you lord
    June 8,2014: Hubby arrived in Sydney
    Sept 11,2014: Hubby's first day of work. Thank you Lord!
    Feb 7, 2015 : Baby and I arrived in Sydney
    April 13, 2015: My first day of work :)

  • RuCheRuChe Melbourne
    Posts: 100Member
    Joined: Jun 25, 2013
    edited November 2014
    Tenks. hehe.. :)
  • gmad06gmad06 Melbourne
    Posts: 490Member
    Joined: Aug 21, 2012
    kumuha ako ng temporary insurance sa Suncorp while naghahanap ng mura..130 monthly ko..marami daw factors ng premium mo, location,age ng car at driver experience...yung iba nagmonthly lng ng 50AUD..sana makatsamba din..

    Nominated Skill 263111 Computer Network and Systems
    Engineer
    1-26-2013 Submitted ACS Assesment
    4-2-2013 ACS assesment received suitable/Bachelor's Degree
    9-7-2013 IELTS 2nd retake w/EOR ( L-8.5,R-9,W-7,S-7) thank u Lord
    11-4-2013 got invite for 189VISA..
    11-11-2013 lodged visa application
    11-21-2013 medicals uploaded, no further exams required
    11-28-2013 CO allocated, Team 6 Adelaide
    12-18-2013 Completed all documents required
    12-19-2013 Visa Grant; IED Nov.18,2014 God Loves Us!!
    07-27-2014 Arrived Melbourne
    09-11-2014 Received job offer
    09-29-2014 First day at work
    11-15-2014 Bought our first car

    Even if we don't have the power to choose where we come from, we can still choose where we go from there

  • chollecholle Sydney
    Posts: 403Member
    Joined: Nov 21, 2013
    edited November 2014
    I got a certified used car from the Citroën dealer mismo which is just 1km from my place. I actually met the owner of the dealership; it's a family-run business at puro Citroën lang sila since day one.

    Initially I was eyeing a 2007 C3 na automatic, pero naliitan ako when I test drove it so I looked for something else and saw the 2011 C4 na matic rin. They actually gave me a good discount kase sabi ko it's out of my price range na.

    I had it financed. The thing is dahil one month pa lang ako rito and less than one month pa lang at work, high risk borrower ako. I shopped around pero mahirap yung mga options na binibigay sa akin ng banks and ibang financing institutions. I ended up with the financing na ni-recommend ng Citroën. My options kase were: 1) wait two more months and apply with either ANZ or yung financer ng Citroën, or 2) fork out 20% of the car's value as downpayment, which means mababawasan rin yung loan amount ko hence lower monthly repayments. I took the 2nd option kase naisip ko it all works out - lower monthly payments = savings = mababawi ko rin yung pinambayad ko ng 20% in about 3-4 months. Tapos mura na lang yung monthly ko after that. I could've waited two more months, but my work is in the property industry and a car is necessary to go to the properties I manage.

    I got my insurance from NRMA. I was quoted $1078 for one year - that's comprehensive na market value with $800 excess. Kung yung purchase price ko ang ginamit, magiging $1300+ sya. Yung Allianz, Woolies tsaka Coles ang mahal ng quote sa akin, nasa $1400-1700! Siguro kasi yung NRMA, ang consideration nila is 8 years na ako nagdadrive (they asked where I first got my licence and when), whereas Woolies and Coles simply asked how long I've been driving in Oz. Rego ko sa Feb pa renewal, di ko pa alam kung magkano hehe saka ko na isipin :P

    I'm getting the car on Saturday. Exciting! :)

    Occupation: Other Spatial Scientist (ANZSCO Code 232214)
    30 Nov 2013 - IELTS Academic R8.5 W8 L8.5 S9 / Overall 8.5
    10 Feb 2014 - Skills Assessment (VETASSESS)
    23 May 2014 - VETASSESS Outcome: Positive
    27 May 2014 - EOI (70 points)
    9 Jun 2014 - Visa invitation received, application lodged (SI189)
    2 Jul 2014 - CO allocation
    6 Aug 2014 - Visa granted (IED 4 Jul 2015)
    11 Oct 2014 - Moved to Sydney
    20 Oct 2014 - Job offer
    29 Oct 2014 - Start of work
    17-26 Dec 2014 - Dog at Sydney quarantine
    24 Dec 2014 - Partner's initial entry (Maligayang Pasko!)
    16 May 2017 - Purchase first property
    17 Oct 2018 - Citizenship application lodged (Council: City of Sydney)
    8 Jul 2019: Test invite
    20 Aug 2019: Test: (originally 20/9/19)
    21 Aug 2019: Citizenship Approved
    31 October 2019: Citizenship Ceremony 🇦🇺

  • JCsantosJCsantos Sydney
    Posts: 1,416Member, Moderator
    Joined: Jan 11, 2011
    I wont do market price when getting a insurance, talo ka pag na write-off , always go for an agreed value

    Google for Everything !!!

  • chollecholle Sydney
    Posts: 403Member
    Joined: Nov 21, 2013
    @JCsantos like, super talo? Ang requirement lang kase sakin nung financer is at least market value for the whole term, eh syempre tagtipid muna kaya dun ako sa lower premium. Touch wood na sana di ko kailanganin.

    Kung sakali ata pwede ko namang baguhin pag renewal na diba

    Occupation: Other Spatial Scientist (ANZSCO Code 232214)
    30 Nov 2013 - IELTS Academic R8.5 W8 L8.5 S9 / Overall 8.5
    10 Feb 2014 - Skills Assessment (VETASSESS)
    23 May 2014 - VETASSESS Outcome: Positive
    27 May 2014 - EOI (70 points)
    9 Jun 2014 - Visa invitation received, application lodged (SI189)
    2 Jul 2014 - CO allocation
    6 Aug 2014 - Visa granted (IED 4 Jul 2015)
    11 Oct 2014 - Moved to Sydney
    20 Oct 2014 - Job offer
    29 Oct 2014 - Start of work
    17-26 Dec 2014 - Dog at Sydney quarantine
    24 Dec 2014 - Partner's initial entry (Maligayang Pasko!)
    16 May 2017 - Purchase first property
    17 Oct 2018 - Citizenship application lodged (Council: City of Sydney)
    8 Jul 2019: Test invite
    20 Aug 2019: Test: (originally 20/9/19)
    21 Aug 2019: Citizenship Approved
    31 October 2019: Citizenship Ceremony 🇦🇺

  • JCsantosJCsantos Sydney
    Posts: 1,416Member, Moderator
    Joined: Jan 11, 2011
    Yup pwede mo palitan anytime, yung cross finger nga sana walang maging problem

    Google for Everything !!!

  • ramsrams Adelaide
    Posts: 73Member
    Joined: Jan 23, 2013
    has anyone tried using the balloon payment scheme for car loan? seems like a good idea. lalo na kung may pangdownpayment kayo lets say for a 20k car, you already 6k on hand. you can take the loan lets say at 5 years for the 14k and then deposit the 6k in a savings account. at the end of the term, may kinita na yung 6k nyo na interest and pede nyo na kumpletuhin yun bayad.

    http://www.savingsguide.com.au/car-loan-residual-balloon-payments/
  • mixednutsmixednuts Adelaide
    Posts: 31Member
    Joined: Mar 14, 2015
    Even if you have budget in buying a car, mas preferable pa rin bang installment or cash? If installemt magkano usually ang dp, say 33k sya.
  • dhey_almightydhey_almighty Perth
    Posts: 692Member
    Joined: Jul 18, 2012
    ang alam ko kahit walang downpayment...pwede...kase ung friend ko bumili ng navarra, around 33K rin yata un...wala silang dp... :-)

    October 6, 2012 - Passed IELTS - Academic (W 6 S 6 L 8 R 7 OBS 7.0) pwde na yan!
    October 16, 2012 - Submitted CDR to EA
    February 27, 2013 - Received Favorable letter from EA (Mechanical Engineer - ANZSCO 233512) Thank you Lord!
    March 8, 2013 - Applied WA SS
    March 25, 2013 - Received Letter for WA SS (delaying/maximising 28 days; waiting for civil wedding)
    May 31, 2013 - Submitted Visa Application (with everything; PCC Saudi, NBI, Marriage certificate, etc)
    July 11, 2013 - CO Assigned / Team 7 Adelaide
    August 17, 2013 - Done with the Medicals
    September 4, 2013 - Visa Grant (Subclass 190 / ANZCO233515 - Mechanical Engineer) Thank you Lord! / IED August 23, 2014
    August 8, 2014 - Flight to Oz, No turning Back, This is it!
    May 2015 - End of relationship
    June 2015 - Wife found new partner (aussie)
    October 2015 - Wife filed for divorce (That cunt)
    January 2016 - Divorced
    August 2018 - Lodged Citizenship
    March 2019 - Sit in Citizenship Exam/Interview

    • Passed same day
      May 2019 - Citizenship Ceremony
      June 2019 - Au Passport received
  • atchinoatchino Sydney
    Posts: 312Member
    Joined: Jan 09, 2011
    @cholle kung brand new - pwedeng talo pag na write-off
    Pero kung luma kotse at halos mababa na value - pede.

    To all Kuripotz.. please visit my blog.
    May kasabihan tayo: Kuripot man at magaling... yayaman din....

    http://kuripotism.blogspot.com.au

  • atchinoatchino Sydney
    Posts: 312Member
    Joined: Jan 09, 2011
    Even if you have budget in buying a car, mas preferable pa rin bang installment or cash? If installemt magkano usually ang dp, say 33k sya.


    Kung may cash, eh di bayaran mo na para wla ka bayaran interest.

    Kung tining mo na may mapag lagyan ka ng cash mo earning more than the interest rate na i charge sayo pag nag financing ka.... eh di mag finance ka at investm o yung cash mo.

    To all Kuripotz.. please visit my blog.
    May kasabihan tayo: Kuripot man at magaling... yayaman din....

    http://kuripotism.blogspot.com.au

  • mixednutsmixednuts Adelaide
    Posts: 31Member
    Joined: Mar 14, 2015
    yun na nga mga bossing kung pwede wala dp eh invest muna kung mas malaki ang kikitain. :)

    kung no work pero may pondo aprub kaya pag brand new?
  • kremitzkremitz North Ryde
    Posts: 1,074Member
    Joined: Apr 17, 2013
    umm yung interest rate usually based yan sa credit rating mo. usually pag new migrants mas mataas ang binibigay na interest rate since mababa pa credit rating. dame din factors kc tinitingan sa pag come up sa credit rating score. kung may enough cash kanaman i suggest icash mo na kasi parang luge ka sa interest pag new migrant ka. parang nasa 14% ata interest annually nung nagcheck kami. basta mejo mataas compared to mga 5-6% sa friend namen na 3 years na sa oz.

    Occupation: Software Engineer (ANZSCO Code 261313)
    Main applicant : Husband
    April 29, 2013 : ACS Skills assessment
    July 22, 2013 : ACS assessment result
    January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
    January 12, 2013: Lodged EOI (65points)
    January 13, 2013: Invited to apply for visa 189
    February 9, 2014: Lodged visa
    March 1, 2014: Medicals at NHSI
    March 6: email from CO requesting form 80 and hubby's NBI Clearance
    March 25, 2014: visa grant. Thank you lord
    June 8,2014: Hubby arrived in Sydney
    Sept 11,2014: Hubby's first day of work. Thank you Lord!
    Feb 7, 2015 : Baby and I arrived in Sydney
    April 13, 2015: My first day of work :)

  • mixednutsmixednuts Adelaide
    Posts: 31Member
    Joined: Mar 14, 2015
    @kremitz noted. mataas ang 14% interest rate. preferable pala ang cash unless kumikita ang pera mo ng at least more than 14% annually :)
  • IslanderndCityIslanderndCity Adelaide
    Posts: 2,274Member, Moderator
    Joined: Mar 30, 2013
    Nice car gmad06! Congrats din cholle. :)

    We also just bought Toyota Corolla sports hatch. 2 days ago namin nakuha. Buti na-approve yung financing sa toyota din, kahit contracting lang ako and hubby is not yet working. Medyo mataas lang interest, 10.5% kase high risk daw kami which is true naman. Hanap pa kami insurance.
    ahhh... so may chance makaavail car loan without downpayment kahit both wala pa work dyan?

    Assessed Occupation: Industrial Engineer (IE 233511)
    Achieved Goal: Australia PR (Permanent Resident). Thanks God!

    ...sharpening my core gifts now...
    ...working on new, better goals...

    Bless those who curse you, pray for those who mistreat you. ~Luke 6:28~

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    Nice car gmad06! Congrats din cholle. :)

    We also just bought Toyota Corolla sports hatch. 2 days ago namin nakuha. Buti na-approve yung financing sa toyota din, kahit contracting lang ako and hubby is not yet working. Medyo mataas lang interest, 10.5% kase high risk daw kami which is true naman. Hanap pa kami insurance.
    ahhh... so may chance makaavail car loan without downpayment kahit both wala pa work dyan?
    i don't think so...

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • rinabellarinabella Mandaluyong
    Posts: 9Member
    Joined: Nov 22, 2014
    Hi po. Tanung ko po kung pano magloan ng car using the salary sacrifice? Tia
  • JCsantosJCsantos Sydney
    Posts: 1,416Member, Moderator
    Joined: Jan 11, 2011
    Hi po. Tanung ko po kung pano magloan ng car using the salary sacrifice? Tia
    from what i know iba ang salary sacrifice sa car loan

    Google for Everything !!!

  • rinabellarinabella Mandaluyong
    Posts: 9Member
    Joined: Nov 22, 2014
    @JCsantos ah ganun po,may nabasa po
    po kasi ako s previous post na pwedeng gamitin ung salary sacrifice..anyways,natry nyo na po bang bumili ng mga used cars s toyota at honda? Ok po ba dun?
  • pangrom0529pangrom0529 North Ryde
    Posts: 109Member
    Joined: Aug 27, 2013
    @JCsantos ah ganun po,may nabasa po
    po kasi ako s previous post na pwedeng gamitin ung salary sacrifice..anyways,natry nyo na po bang bumili ng mga used cars s toyota at honda? Ok po ba dun?
    @rinabella, maybe you're referring to novated lease. ask your employer if they a scheme like that and how it works. the monthly or whatever time period is allowed in the novated lease will be deducted from your salary and would directly impact your annual income for tax purposes. hence, magkakaron ka ng tax savings.

    Nominated Occupation: 221111 - Accountant (General):22.02.13-IELTS passed|21.05.13-Positive assessment CPAA|22.05.13-EOI submitted|03.06.13-Invitation received|04.06.13-189 lodged|07.06.13-NBI uploaded|15.06.13-Medicals done|31.07.13-CO assigned (T33,Brisbane)|22.08.13-Addtl docs sent to CO|04.10.13-Visa Granted! THANK YOU LORD!!!

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