Net Monthly Income: __________________________

Search the Motor Vehicle Traders Register to find out if a motor vehicle trader is registered under the Motor Vehicle Sales Act 2003 and therefore legally able to trade.

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The Companies Office is the government agency responsible for administering the Personal Property Securities Register (PPSR). The PPSR is the register where details of security interests in personal property can be registered and searched.

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Financial institutions often consider boats to be luxury items, so the application process is more like buying a house than buying a car. As part of the underwriting process, many lenders will ask for a personal financial statement along with tax returns. For used boats a tax return is often required. Terms up to 20 years with down payments between 10 to 20 percent are common, but rates and terms can vary depending on the age, size, type and use of the boat. It's a good idea to talk with prospective lenders before filling out an application. On a new boat, lenders need the Manufacturer's Statement of Origin. It certifies that it has had no other retail owner. With used boats, lenders check for a clear title or record of ownership. For larger boats, lenders usually require marine-insurance coverage and federal documentations (see, "After The Sale") as conditions for loans.

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You will need the Vehicle Identification Number (VIN), chassis and registration (plate) number. You should also note the make, model and year of the car to help you to positively identify the car should your search of the PPSR return any results.

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The Manufacturer's Statement of Origin, or Certificate of Origin, that comes with each new boat contains the boat's HIN and engine serial number(s). The MSO or MCO shows when the boat was built and transferred to the retail dealer for resale purposes. You will need the MSO when you register or document a new boat. If the boat is financed with a loan, the MSO will be transferred to the lender; otherwise, it will be included in the boat's papers given to you at the time of purchase. You or your loan company should receive the MSO when you take delivery. If not, contact the boat manufacturer at once. Without the MSO you may be unable to register the boat or meet insurance requirements.