house and loan package住房贴士
澳洲买房流程第一弹 (新房购买指南)
对于一些初次购房者来说,在澳洲买房仿佛是一件很复杂的事情,今天小编就要带你们了解一下买房你所需要做的事情,也就是一些基本的流程。
Step 1
首先了解自己的预算,再根据自己的预算选择合适的区域,比如Peter有80万的预算,又不想房子太偏离市中心,那么很多区域的apartment将会是Peter的首选目标,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,由于新房的价格要比Realestate和Domain的价格偏高,所以只能作为最基本的参考。
一手房好还是二手房好?
相同地段的房价,二手房总的来说比较占优势,但是投资新房也有一定的优势,澳洲政府对于首次置业者会提供一定的优惠,这对于第一次买房的人来说是非常好的体验,因为政府会给首次购房者一定的补贴,所以对于首次购房者来说买新房是一个不错的选择,也就是说首次购房者有羊毛可以薅啦,嘿嘿,(关于首次置业者所能享受的福利在我们公众号前些日子发布的文章里有具体的介绍,详情请翻阅“首次置业者的福音!首套房首付担保计划上调价格上限)
今天我们主要来介绍一下新房的购买流程,下篇文章小编会着重介绍二手房的购买流程,想了解更多此方面内容请关注我们的公众号哟~
Ps:海外人士如果购买新房是需要申请海外人士购房许可 (FIRB),海外人士就是除了澳洲永居及澳洲公民以外的外籍人士。从今年1月1日起,,FIRB申请费进行了调整,其中低于100万澳币的房产FIRB费用为$6350,而100万澳币 – 200万澳币的房产FIRB费用为$12700,FIRB的审理周期大概在两周左右。
选好自己心仪的房子后,跟中介或房东签好合同,买家需要将合同价格的10% 转到卖家或者中介的trust account里,如果是购买楼花并且期房的交割时间较长的情况下,还有一个选择,就是把这笔合同价格的10%存入买家自己的银行账户并跟银行签署做一个bank guarantee,这个方式的优点在于假如你购买的楼花交接时间长的话,每年还能领取一笔利息。
如果签完合同过了cooling off时间并且没什么问题的话,顺利进入下一个环节,就可以给房子申请贷款啦,通常情况下,只要客户的收入足够,澳洲的贷款比例可高达95%的房价。房贷通常会分为两种,一种是投资房另一种是自住房,自住房的贷款利率也会比投资房的利率偏低,通常我们会根据客户的实际情况来定义投资房或是自住房,再去帮客户选择最具优势的贷款产品,如果是购买二手房的话需要在签订合同后,就开始准备材料申请贷款(小编会在下一篇介绍二手房的购房流程里写清楚~)。
今天我们主要来介绍一下购买期房的贷款流程,我们会建议客户在房子交割前三个月就开始准备贷款需要的材料,broker会告诉客户贷款所需要的材料贷款所需要的材料主要分以下四个方面的信息
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债务:其中包括其他的贷款信息,例如车贷,还有信用卡额度。
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收入:构成客户主要收入的证明,比如客户的薪水,工资单等,如果客户想做贷款的房子是以投资房为目的的,这部分租金收入也可包含在客户总收入内。
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支出:也就是花销,这部分通常包括基本开销比如衣食住行,还包括额外开销例如私校费用等,broker会用到银行的金融计算器来进行分析,并需要客户去提供这部分的证明。
最重要的材料主要就是客户的收入证明啦,这个关系到我们能跟银行借贷的额度,我们也会尽最大可能帮助客户申请到最低的贷款利率~
在澳洲还房贷也有很多种不同的方式,比如可以选择只还利息的或者本金利息一起还,或是浮动或是固定利率,我们会根据客户的需求进行合理化的建议~
Step 4
在澳洲买房,交割前都会有一次验房,通常都是中介带着客户一起去到客户所购的房子那里进行一次检查,验房的过程中如果发现房子有任何问题可以及时提出,要求开发商或房东进行修改,如果没有什么问题的话就可以联系过户律师进行处理房子尾款等事宜。
其实在澳洲买房还是很简单的,在这个过程中最重要的就是找对靠谱的房产中介,贷款师,以及过户律师,祝各位小可爱早日在澳洲买房,拥有属于自己的小家。
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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