The interest rate of each loan is different. Low interest rate is not the whole and fundamental purpose of housing loan. All aspects of the loan, including the main characteristics, cost and amount, will also affect your cost and the overall quality of the goods. When considering your own situation, you can consider the comparative interest rate of borrowing, which is a percentage interest rate. Commitment means that the cost of borrowing is getting closer to the possibility every year. Comparing interest rates generally takes full account of interest rates and most of their early and continuing costs and charges. It helps customers understand the true cost of borrowing.

It must be noted that the interest rates listed here do not fully consider your personal credit history or other specific application elements, so not everyone is eligible for the lowest interest rate. Further qualification standards are likely to be evaluated and clarified by the loan company.

When considering housing loan, you can try to ask yourself the following difficult questions: How much do you want to borrow? The greater the amount of housing loan, the greater the repayment cost. How much can you save under pressure: Housing loans with relatively low interest rates are more likely to require relatively high upfront guarantees. If your deposit is less than 20% of the value of the house, you will probably need to pay commercial insurance (LMI) for the mortgage.

How long do you want your housing loan to last? Many housing loans have a term of 30 years, but some can last for 25 years or less. Generally speaking, the longer your loan life, the less interest you pay each month, but your loan still has more interest.

Do you want to buy a house, live for yourself or invest? The interest rate of investors' housing loans is much higher than that of owners. What are the characteristics of the housing loan you want? A better housing loan is a loan that is satisfactory to you, and it may represent functions other than interest rate, such as allowing you to make extra repayment, applying for an offset account or refinancing.

Do you know the calculation method of European real estate transaction tax? In essence, Australian housing enterprises do not have a delicate share of "yuan/square meter", which is generally quantified by "Australian dollars/set". So when they talk about Australia, they always say "median house price" and "average house price". When China people buy real estate overseas, they also need to try to change the local calculation method in Australia, because when the real estate is to be sold, the users they have to deal with are basically local Australians.

What do you mean by "median house price" and "average house price"? "Average house price" refers to the average house sales price, that is, the total sales price level divided by the number of houses sold in a period of time.

The "median price" is what we usually call the median price of the houses for sale, which means that the prices of the houses sold are arranged from low to high, and the middle is the median value.

In Australia, these two standard values are important indicators for evaluating housing prices in various regions. Therefore, when China people buy industries in Australia, they should refer to this data information appropriately, instead of simply measuring it by "yuan/square meter".

Value-added tax discount for real estate enterprises:

Individual taxpayers, futures companies and their non-fund management institutions must pay property enterprise value-added tax, and they can enjoy enterprise income tax concessions only after they are sold one year.

For individual operators, they can enjoy preferential treatment of enterprise income tax reduction and exemption. This means that if your assets have been in your hands for at least one year, you have the right to receive diminishing tax from your asset income.

For unconventional stock funds, taxable real estate must be owned for more than one year to enjoy one-third discount.

For futures companies, the corporate income tax preference lies in the true identity of the income beneficiary. If the beneficiary of capital gains is himself, he can enjoy 50% tax preference; However, if it is a corporate company, it does not enjoy any tax benefits.