澳洲买房流程第二弹 (二手房购买流程)
今天我们主要来介绍一下如何在澳洲购买二手房,有些地方跟新房购买流程有些不一样,对购买新房流程感兴趣的请关注我们上一篇文章(澳洲买房流程第一弹)。
Step 1
很多朋友在买二手房之前会不确定自己是否能够贷到款,所以在购买之前要找到专业的Broker咨询贷款事宜,Broker会根据客户的基本情况与客户想买的房子的价格,帮客户申请一个贷款预批,这个预批对大多数客户来说都是很重要的,可以让客户准确了解自己的借款能力,通过了解理想的价格范围,并可以花时间去看其能实际负担得起的房产。客户也将有信心对某处房产提出报价,并在竞争激烈的房地产市场中领先一步。通常是有预批的买方压制了准备不足的买方,因为有准备预批的买家会使卖方更加相信对方是认真的,可靠的。
Step 2
拿到预批后,要找一个律师solicitor或者conveyancer。谈好服务费,了解服务内容,咨询买房注意事项。之后就可以在网上看一些符合自己要求的房子,建议在www.realestate.com.au或者www.domain.com.au上输入自己喜欢的区的名字,就可以找到相关房价,看到中意的房子就可以联系中介看房,或者可以去查一下这个房子的看房开放日(Open for Inspection Date)。
看房时跟中介深入了解情况并索要卖房合同。如果真的有兴趣,可以进行价格商议。在出价前,再次跟银行确认并请律师审核合同。建议出价前委托第三方机构调查并出具物业报告(strata report)。如果购买house的话,做验房以获取房屋屋况报告(build & pest report)。
Step 3
二手房通常有两种买房流程,一种是拍卖(Auction),另一种是私下竞卖(private treaty)。
拍卖会大多数出现在新州和维州的二手房市场里,特别是悉尼地区,场面十分火爆,
去拍卖会一般带一张空白个人支票(Personal Cheque),竞拍成功后直接填写 10% 的定金(Deposit)。也有情况是先交 $500-1000澳币押金,之后再给 10% 定金的。
私下竞卖跟拍卖会不同,但也同样会有公共开放时间,但是买家拥有随时私人看房的时间,和任何时候都有出offer的机会。在塔州,二手房的拍卖会形式就非常的少,大多数都是这种私下竞卖的形式,但是也要走中介来跟房东递offer谈价格。
在此小编向各位小伙伴科普一下在卖房合同上特别需要注意的一些条款:
1,是否要subject to finance,该条款是对买家有利的,也就是如果贷款办不下来,合同会自动失效,也不需要赔偿违约金(举个例子,在塔州的二手房市场里,合同上会有这条subject to finance,通常会fully refund,相反,在新州等地通常卖房合同上都没有这条subject to finance,所以买家还是要承担贷款批不下来的风险)。
2,是否要subject to building inspection,该条款也是对买家有利的,就是说如果验房报告出现一些问题,合同失效(注意这里的问题要说明是Major问题,还是要保证买家满意)。
3,是否要subject to lease,该条款是对卖家有利的,就是说,所购房屋正在出租,这样settlement的日期就要跟房客的租房合同的日期挂钩。如果买家想尽快入住,就要让卖家和房客协商,如果房客同意搬出就没有问题,如果房客不同意,那么买家就要承担拖延的后果。
Step 4
与房东达成一致后,可以让律师来看合同,如若没什么问题就可以签合同交订金,之后会有3天或者5天的cooling off时间(根据每个州的cooling off时间做参考)。过了这个时间后合同就正式生效了,这个时候我们可以补充一些正式的贷款资料,因为最初做的是预批,这个阶段要把预批转成全批,这个阶段很重要,一定要找正规的贷款公司和专业人士,否则会出现全批的贷款额度与预批的贷款额度不等的情况,我们欢迎所有小伙伴来向我们公司专业的broker咨询预批与全批的业务。
Last Step
贷款正式批下来后,就可以等交房了,也就是settlement,律师会代办一切过户手续,办好后律师会通知买家,中介也会通知买家去取钥匙,从此房产便属于买家所有。
以上就是二手房的具体交易流程,希望大家喜欢哟。由于每个客户关于贷款的需求都是不同的所以关于贷款的具体内容,还是要咨询专业的人士,唯品信贷在悉尼和霍巴特都有专门的办公室,我们有着丰富的专业经验和对客户负责的态度,欢迎大家来咨询,下方请扫二维码来添加我们公司专业的broker,会详情为您解答您的任何疑问~
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