Being extravagant is not always a bad thing if the item being purchased is absolutely needed. Pre-approval requirements need to be process as well before the actual matter to be process. Since you are screened first before approval, there might be a chance that you do not get the amount that you want.
Australian spies have reportedly made several payments to people smugglers to turn back boats. Labor continues to pressure the federal government over whether it paid people smugglers to turn back boats, saying it's akin to giving money to murderers. Federal Labor believes paying people smugglers to turn around their boats is akin to giving murderers and drug dealers money not to commit crimes.
The opposition on Thursday upped the ante as it continued to press the government for an explanation about claims Australian spies paid $US30,000 to six crew members of two asylum seeker boats intercepted by authorities in late May. But it wasn't helped by former Labor prime minister Julia Gillard who refused to say whether her government had ever paid cash to people smugglers to gather intelligence. Opposition immigration spokesman Richard Marles acknowledged that intelligence agencies and police around the world paid informants to infiltrate criminal networks. But that practice was very different to paying for what he described as "reverse people smuggling". Ms Gillard, appearing on BBC TV, said that during her time as prime minister "absolutely we worked to try and prevent people smuggling".

Asked whether she believed it was acceptable for Australia to be paying people smugglers, she declined to answer. Shadow attorney-general Mark Dreyfus said it would be surprising if Australian intelligence agencies and federal police working in other countries were not on occasions paying for information. But allegations of payments on water "crosses the line" and might be a crime under Australian, if not Indonesian law. Human rights group Amnesty International said Australia could have breached a range of binding international legal obligations. It called on the government as a matter of urgency to immediately launch an independent inquiry.
Immigration Minister Peter Dutton said the government had been able to stop the boats within the law and its international obligations.
People smugglers seeking to put people on boats and risking deaths at sea was not a situation the government would tolerate, he told reporters.
Investing on cars or boats can be a little complicated especially if it’s not through direct cash payments. Once you have chosen the style, model, color, and price of the boat you like, you are now ready to apply. Just like any business, they need to secure something first form you in case it does not go down the right way. Pre- approval requirements include your credit score or credit limit, monthly income, work background and other necessary things needed to prove your ability to pay.

Because everything changes at fast pace, this kind of venture is not anymore considered an extravagant move. When getting a car loan, payment terms usually range from a year to 5 years but with boat loans, you can stretch it to as long as 15 years.
This is not a bad thing; if you know how to use properly the advantages of the terms, then maybe you can get more. A surveyor might be expensive but they can also advice you on what problems to look out for. Boats are expensive, even if the interest is around 5%, a great deal of money is still on the line.
Furthermore, when the contract is showed to you, properly read it to avoid problems in the future.
Lastly, when you have the amount and ready to make an offer to the seller, do not give him or her low offer, just like you, he had the boat appraised; make an offer close to his price to avoid conflict.

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