Original property, deposits, cars, property, etc. In addition, you need to have a local green card and a local residence certificate in Melbourne. You can only buy a house here if you meet the relevant conditions.
Second, five conditions must be met when buying a house in Australia?
1, at least 18 years old, with full capacity for civil conduct and legal identification capacity;
2 have a stable income and the ability to repay the principal and interest of the loan;
3. No bad credit record;
4. Agree to buy a house in one's own name. If you are not the owner, you need to have proof that the assets you set up will buy you a house;
5. To buy a house in Australia, you need to apply for housing loan business. Generally speaking, you need to provide a series of information, such as the original and copy of your ID card.
3. What are the costs of buying a house with a loan in Australia?
For lenders, more attention should be paid to products rather than institutions. The key is which financial product is more suitable for your own needs, not which institution is more famous.
Moreover, compared with indicators such as reputation, the best way to measure the stability of a financial institution is to check whether the credit rating of the financial institution is relatively reliable. The credit ratings of many non-bank financial institutions are not lower than or even higher than those of banks.
In fact, the credit rating of financial institutions is relatively unimportant to our lenders. If the lending institution goes bankrupt, there is no need to pay it back.
The initial cost of the loan
It mainly includes attorney fees, evaluation fees and application fees. The practice of ordinary banks is to package the lawyer's fee, evaluation fee and application fee, and then make an application fee. Some financial institutions will also waive the application fee, but the lawyer's fee and evaluation fee will still be charged.
List of investment expenses for buying Australian real estate
In the process of buying a house in Australia, taxes, miscellaneous fees, stamp duty and moving expenses will increase the cost of staying in a new house a lot. Many first-time buyers often ignore these expenses when designing their purchase plans. Knowing these expenses will help you save money and avoid being caught off guard when dealing with these expenses in the future.
The purchase cost includes:
1, Australian real estate loan agency fee
Almost all lending institutions will charge new home lenders a one-time account opening fee. Some lending institutions will waive this fee in order to win business. Most banks also charge their accounts an annual fee or a monthly fee.
2. Assessment fee
Your lender will usually ask for an appraisal of your property to ensure that the price you pay is fair. Although this is for the benefit of the lender, the assessment fee usually needs to be paid by you. Similarly, the assessment fees of each institution are different, and some lending institutions will charge different fees according to the area and type of real estate you want to buy.
3. Inspection fee
Before you buy a house, it is necessary to check the house and pests, but it is not necessary. This will protect you from being cheated by dishonest vendors.
4. Stamp duty expenditure
Provincial governments levy stamp duty on borrowing to buy a house. The collection ratio varies from province to province, depending on the property price. In Melbourne, it's about 5%.
5. Attorney's fees
The fees vary according to the content of lawyers' services. Customers often have to hire a lawyer in the process of buying real estate, and the lawyer will help customers complete the whole process of real estate delivery. Fees range from 7000- 1500 Australian dollars. For the auction house, when paying 10% of the house price, pay 50% of the lawyer's fee first, and then pay the other 50% after the property is delivered; For existing homes, you can pay in advance or when you hand over the house.
6. Property management fee
For single villas, there is no property management content, so there is no property management fee. For the overall development of the villa community, property management fees need to be paid.
7. Municipal expenses
This is the annual fee.
8. Water fee
It is divided into water cost and sewage cost.
4. What are the expenses and welfare policies for 4.pr to buy a house in Australia, and how to get a loan?
Sure, parents can. Parents enjoy most benefits (according to the application category, there are still very few benefits that cannot be enjoyed, such as pensions.
First, the parents sign.
1, ordinary parents queue up for visas (AU$)
Visa application fee: USD 65,438+USD 0.205.
Deposit: $3,500
Shelf life: frozen for two years.
Queue time: 10- 17 years.
Quota: 1000/ year
2. Donor's parent visa (Australian dollar
Visa application fee: parents' health care and medical expenses: $365,438+0,560. The down payment of $65,438+08,935, and then $65,438+02,625 can be paid within two years after permanent residence.
Bond: USD 65,438+GBP 00,000.
Shelf life: frozen for ten days.
Queue time: 18-
Quota: 3500/ year
Note: After the guarantee period ends, the deposit will be returned with principal and interest. Social welfare and allowances paid need to be deducted from this amount.
Two:
1) At least half of the applicant's children have permanent residency in Australia, or
2) There are more children living permanently in Australia than in other countries.
Third, the conditions of children's guarantee.
Generally speaking, all kinds of parent visas require permanent children to live in Australia for two years or more. For international students studying, the previous two years have been included in it.
Four, parents' pension and medical insurance:
Signing parents will receive Australian re). "Parents who generally queue up" have a waiting time of two years before enjoying social welfare. Donating parents will take another ten years. After their parents reached retirement age, they have lived in Australia for ten years and passed the property examination.