Australia is a country of immigrants. In recent years, there are fewer and fewer restrictions on overseas purchase conditions. If you don't need immigration, overseas people who meet the following two conditions can buy a house in Australia: 18 years old and have purchasing power.
There is no direct connection between buying a house in Australia and immigration. Australia can immigrate directly without buying a house, and buying a house is not a condition for Australian immigration assessment. Therefore, overseas investors should not be fooled and misled by other real estate agents.
However, there are some restrictions. The Australian Consulate said, "In New South Wales, where Sydney is located, overseas non-immigrants can only buy new houses in Australia and cannot buy second-hand houses."
According to past experience and major buyers, there are mainly three types of overseas real estate investment service institutions in China. One is the local real estate investment service organization in Australia, which has a good reputation and can grasp more comprehensive first-hand real estate information. Second, foreign developers set up sales and service companies in China. Property buyers should pay attention to inquire about the background of developers. The other is an overseas investment service agency. To verify the qualification of intermediary service institutions, you can check with the local authorities in official website.
"The down payment is 6.5438+0 million yuan to buy two apartments in downtown Sydney." According to the introduction of local professional real estate consultants in Australia, I bought a two-bedroom apartment with an indoor area of about 80 square meters in the center of Sydney, with a total price of 700,000-800,000 Australian dollars, equivalent to about RMB 4.5 million. Need to prepare 20%-30% down payment, 900,000 yuan, plus various taxes and fees of about 654.38+00,000 yuan.
Australia's pillar industries are education, tourism and mineral export, and the exporting countries are mainly China and Japan. Over the years, economic growth has been stable. According to the local statistics of Australia in the past 50 years, there is a saying that the appreciation of Australian real estate has doubled in seven years.
It is understood that in Sydney, each apartment needs to pay about 65,438 Australian dollars+0,000-65,438 Australian dollars+0,200 Australian dollars to the government every year, and pay 2,500 Australian dollars to the property management company (only apartments, detached houses do not charge property fees, and the property management fees will vary according to the specific housing situation).
There is no property tax in Australia, so the sale of owner-occupied houses does not require VAT. If the investment house is sold within one year, the value-added tax is only 50% of the value-added part, and it can be reduced to 25% of the value-added part if it is sold for more than one year. If renting a house, the service fee to be paid to the intermediary is 6%-7% of the annual rent.
Purchase process:
The process of buying a house in Sydney is not complicated. Buying a house requires a lawyer to accompany you all the way, which can save a lot of unnecessary troubles and is protected by law and safe!
First of all, buyers need to pay a deposit of 35,000 yuan (generally ranging from 5,000 Australian dollars to 1000 Australian dollars) after looking at the house from the intermediary, and return the deposit after the down payment.
Then, ask a lawyer to be responsible for the whole process of buying a house. Attorney's fee 1000- 1500 Australian dollars, about 6400-9500 RMB.
Accompanied by a lawyer, sign a house purchase contract and pay 10% down payment. This part of the down payment is paid to the third-party supervision account first, and the interest of the house payment belongs to the owner. The developer can't get the down payment before handing over the house.
Within 2-3 months before the house is handed over (in the case of uncompleted buildings, before the house is completed), the property buyers will prepare the loan materials and go through the loan procedures. The loan amount of overseas people is about 70% of the total house price, and it is necessary to pay the evaluation fee and inspection fee to the lending institution. (about 500-700 Australian dollars).
When handing over the house, the lawyer will follow the house inspection and pay the final payment after passing the examination.
At this time, the down payment and the final payment in the previous supervision account were handed over to the developer, and the sales contract came into effect.
The loan has not been paid off yet, and the real estate license is in the hands of the bank, with one individual at most.
The original will not be available until full payment is made.
The loan can be repaid by rent.
In Sydney, the rent of the house can pay off at least 80-85% of the monthly payment. "In fact, you can buy this house as long as you prepare more than 6,543,800 yuan, and the rest of the rent can be covered." The professional consultant said.
Expense breakdown:
Just like buying a house in China, buying a house in Australia, in addition to the delivery fee, there are various taxes and fees to be paid when going through the formalities of buying a house, including transfer lawyer's fee, loan institution fee, house structure inspection fee, stamp duty, landlord's insurance fee, house property insurance fee, city appearance construction fee, moving fee, real estate agency fee, etc. In the whole purchase process, there are about 9 kinds of expenses that need to be considered by buyers.
Take buying a 350,000 Australian dollar property in Australia as an example. The first thing buyers need to consider is the transfer lawyer's fee. Unlike buying a house in China, buying a house in Australia requires a lawyer to go through the relevant procedures in most cases, and the lawyer's fee ranges from 800- 1000 Australian dollars.
Secondly, due to the different laws in Australia, the collection of stamp duty is also different. According to the change of house price, some states also have the help of stamp duty preferential or relief policies. Take NSW province (where Sydney is located) as an example. For a house with a total price of 350,000 Australian dollars, the stamp duty is about 6.5438+0.2 million Australian dollars.
Third, the landlord needs to pay the fees to the district Committee Council on a regular basis, which is generally collected once a quarter. This fee includes city appearance maintenance fee, garbage disposal fee, water fee and land tax. According to different regions, the fees charged are different, generally 400-500 Australian dollars a quarter.
In addition, if buyers buy a house in Australia for investment, it is recommended to buy landlord insurance. Protect the landlord from all accidents, such as the tenant running away without paying the rent, or the tenant destroying the house.
In addition, the purchaser will also incur the loan institution fee, the house structure inspection fee (about 400 Australian dollars), the house and property insurance fee (according to the value of your home insurance, the building structure insurance fee is about 65,438+0,000 Australian dollars a year, and the property value is about 38,000 Australian dollars+0,200 Australian dollars a year), and the annual insurance fee is from 65,000 Australian dollars.
However, if the house price is higher, judging from the current average price/median value of 650,000 in Sydney, Australia, the nine expenses add up to about 35,000 Australian dollars (stamp duty of 25,000), accounting for only about 5% of the total house price.
Except stamp duty, other expenses will not fluctuate greatly because of the level of house prices, so miscellaneous expenses can not be ignored, but there is no need to overestimate them.
The above is the process of buying a house in Australia and the taxes paid by Bian Xiao.
(The above answers were published on 20 15- 12-05. Please refer to the actual situation for the current purchase policy. )
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