Advice on car

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  spackbace on 22/03/2016 - 20:16

  So you say this:

  the past one being beyond repair.

  But then you say this:

  We have been trying to sell the car but just are getting stupid offers left right and center.

  Are you listing it at the proper market value for the condition? What do you define as 'beyond repair?' What will it take to fix it up?

• 

  [Deactivated] on 22/03/2016 - 20:18

  The old car is beyond repair. 2008 proton savvy. Transmission is broken. Needs new battery. All paint peeling off. Engine stopped multiple times while on highway. It's an auto so it's not stalling.

  The new car is a Mitsubishi Lancer 2012 with 49000 km

  • 

    spackbace on 22/03/2016 - 20:19

    How'd you buy the car if the loan wasn't approved?

    • 

      [Deactivated] on 22/03/2016 - 20:20

      Borrowed money off house mate and used all savings

      • 

        spackbace on 22/03/2016 - 20:21

        Ok I understand. And how much will the visa cost?

• 

  [Deactivated] on 22/03/2016 - 20:22

  $7000 is the visa.

  • 

    spackbace on 22/03/2016 - 20:26

    Oh :/

    I mean, you could've gotten a $6000 car to get around in, and had the money left for the visa

    My advice would be to list the car, make sure the ad is top notch and the asking price is right, and save like crazy. If you could sell the car for $12k, buy a car for $6k and save $1k, you'll have your $7k needed for the visa.
    But have an ad with good pictures (you're up against car dealerships), at the right price (don't overprice it or it will never sell), and hold your ground, you'll get out of it ok.

    • 

      [Deactivated] on 22/03/2016 - 20:28

      http://www.gumtree.com.au/s-ad/east-brisbane/cars-vans-utes/…

      That's my current ad

      She wanted for once to get a nice car to last us the next few years .
      I am saving like crazy and we are selling
      All our possessions because we don't know what else to do

      • 

        spackbace on 22/03/2016 - 20:33

        +6

        First pic alone is a bad pic, needs to be bright and clear or you won't get attention.

        It may also pay to list on Carsales, open yourself up to a bigger audience.

        This:

        Regrettable sale, Need money for family

        Need sold this week

        Opens yourself up to stupid offers. Get rid of it. You're showing your need to sell.

        But for gods sake get pictures out in the sun, stand back so the car fits in the shot, and have all photos facing the same way (ie all landscape).

        Should have (at a minimum):
        Front corner
        Rear corner
        Side view
        Interior (through drivers door)
        Interior (from middle of back seat facing forward - stereo/dash etc)
        Speedo (showing kms on the car)

      • 

        [Deactivated] on 22/03/2016 - 20:36

        @Spackbace:

        I will take better photos and edit the listing tomorrow
        Morning before I head off to work.

        Is there anything else I could improve on.
        I appreciate you taking the time out of your day to help.

      • 

        Euphemistic on 22/03/2016 - 20:38

        +2

        @Sugata: take it to a nice park or foreshore area for the photos. Make sure it is nice and clean too (looks like it is already)

      • 

        [Deactivated] on 22/03/2016 - 20:40

        @Euphemistic:

        I keep the interior and exterior as clean as humanly possibly haha

        I'll find a nice place to take photos instead of my driveway

      • 

        airzone on 23/03/2016 - 00:09

        +3

        @Spackbace:

        Regrettable sale, Need money for family

        Need sold this week

        I was going to offer $500 after seeing this low hanging fruit.

      • 

        captobvious on 23/03/2016 - 00:35

        Is that the sunnybank car park?

      • 

        [Deactivated] on 23/03/2016 - 00:44

        @captobvious:

        That it is.

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  kimyongjeon on 22/03/2016 - 21:30

  I can't understand about her visa part. Can't you guys renew her visa? Shouldn't cost too much i think. Then she should be able to work in long term. What i can suggest is.. ask her to work even cash in hand job for now.

  • 

    Bmann999 on 22/03/2016 - 21:55

    That is how much permanent visas cost. They were $3K a few years ago, but the government has jacked up the fees.

    Good Sheppard has some no interest loan programs if you really need some money now. I don't think they will lend you $10K though.

    • 

      [Deactivated] on 22/03/2016 - 22:58

      i don't think anywhere will loan me. I work off 3 month contracts due to a hiring freeze at my work

      • 

        captobvious on 23/03/2016 - 00:36

        What is your occupation?

      • 

        [Deactivated] on 23/03/2016 - 00:43

        @captobvious:

        I am level 3 I.T support for Australian hospitals

• 

  User167511 on 23/03/2016 - 21:56

  +2

  Try getting credit with another credit provider - which may be other than a bank. Explain the history and you may get sympathy.
  Consider using the car as collateral. Do you have other collateral?
  Check your rating on www.getcreditscore.com.au It should be over 700 to get credit like you are chasing.
  I came back from overseas recently after 10 years away and then without a rating. I took out a post paid phone plan and got my rating up, then a credit card (with a $20,000 limit I might add). Though I have a $1m+ house but now retired so no income.
  Credit cards are expensive to service but good to get short term credit if you can pay it back quickly.
  Consider multiples of them and choose the ones that give the cheapest cash advance rates.
  My 10c.
  I wish you the best and feel for you mate!