海外人士贷款买房?别急,您先要考虑到这些费用
澳洲房地产市场一直吸引着海外人士的投资,澳洲政府更是一度把房地产行业作为主要的支柱产业大力扶持,每年都会根据经济的形势作出不同程度的调整。
由此可见,政府对房地产行业尤其看重,也在一定程度上欢迎海外人士进行房产的投资。在澳洲,在大多数情况下,海外人士是可以贷款买房的。那么,今天小编就来和您聊聊海外人士在澳洲贷款买房之前都要考虑哪些费用?
FIRB申请
Foreign Investment Review Board (FIRB),即外国投资审批委员会,它主要是负责评估澳洲的所有潜在海外投资,其中包括外籍人士购买澳洲的住宅房产,FIRB会逐项审核并向政府部门提供建议。
澳洲政府鼓励海外投资以促进本国经济,FIRB在维护本国利益的同时,实现投资资金流的最大化。海外房产投资者需要申请FIRB的审批,一旦审批通过,根据相关法律,澳政府将对外国及其国内投资者一视同仁。
自2021年1月1日起,用于海外买房投资的FIRB费率进行的又一次上调,100万澳币以下的FIRB费用从$5,800增加成$6,350,而100万澳币到200万澳币的房产则由原先的$11,700上调至$12,700。
有意在澳洲购买住宅的所有非澳居民,购房前必须向FIRB提交网上申请。如果开发商已获批允许售房给海外买家,则是唯一的豁免情况。买家必须在购买前获得购房批准,如果在FIRB批准前签订购房合同,该合同须明文规定此交易在获得FIRB批准后才能生效。
印花税
印花税(Stamp Duty)是澳大利亚各州政府在买家进行土地或房屋交易时收取的费用。印花税主要分为基础印花税和附加税两个部分。
澳洲公民或者澳洲PR, 也就是我们通常说的澳洲本地买家,需要交纳的印花税为基础印花税。
海外买家,需要交纳的印花税为基础印花税和海外买家附加印花税。
除此之外,澳大利亚的每个州都是自己独特的印花税政策,因此在考虑投资澳洲房产时,要考虑好不同城市所属各州的印花税政策。
首先,基础印花税是一个阶梯式的,按照价格进行比例递增计算的。其次,海外印花税是一个固定的百分值。
除了首都领地和北领地地区,海外买如果在其他州购买房产都要交10%以上的印花税。
以塔斯马尼亚州为例,海外买家如果购买一个100万澳币的自住房,会产生大概4万澳币的固定印花税和8万澳币的海外印花税,加上一些相关的手续费,总共需要向政府交纳大概12万澳币的费用。
其他相关费用
除了上述FIRB和印花税的费用需要海外买家重点考虑以外,在购房过程中也会产生一些其他相关费用。
首先,过户律师是在澳洲购房中必不可少的人,澳洲法律规定购买房产必须要有过户律师进行办理和签署文件,所以会产生一定的律师费用,根据不同情况,大概几百到几千澳币不等。
其次,您还要考虑房屋检查费用(Home Inspection Fee)、房屋与财产保险费(Home and Content Insurance)、市容建设费用(Council Rate, Water Rate, Land Tax)还有物业费(Body Corporate)等等。
唯品小贴士
唯品信贷建议您在购买房产前,充分了解澳洲的相关规定以及可能会产生的额外费用。在充分考虑必要费用和自身情况的前提下,做出更适合自己的决定。
除此之外,还要提示您,海外人士在澳大利亚买楼花或一手房是不受限制的。如果想买二手房,则必须具有澳大利亚临时居留身份,即居住在澳大利亚并且持有的签证允许在澳教育居住超过12个月(如留学生),这种情况下是可以买二手房的,但只限自住,且签证到期前必须卖掉。
如果您在购房中遇到问题要及时联系律师、贷款经纪人等专业人士。唯品信贷我们是您可以终身信赖的信贷顾问。
(本文中所涉及的政策、条件、周期、费用等内容如有变化,以申请时最新内容为准。)
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