In recent years, China people have become the backbone of buying houses in Australia. Most people buy houses in Australia to send their children to school, and some of them are used to invest in the appreciation of their houses. But do you know the extra cost of buying a house in Australia besides the house price? Counting it down, it is also a big expense, so be sure to make this clear before buying a house.
Countries that choose to buy a house overseas still have a lot of extra expenses to pay. As long as there is no money spent on buying a house, they can wait for value-added. After you have been buying a house, besides paying a real estate tax every year, there are still some types of money to invest. However, unlike the United States, Australia does not need to pay real estate tax to government departments every year. You have to pay stamp duty in Australia. Stamp duty loan registration fee, land resource transfer fee and municipal management fee, which will include all similar garbage collection fees and maintenance fees of regional ecological parks.
If you choose a loan to buy a house in Australia, then the financial institution to which your loan belongs will naturally charge a certain loan interest according to the amount of your loan. In addition, the bank is likely to deduct some related fees, and it is also possible to give you a special discount, without such a certain fee. Therefore, please confirm the specific fee and amount with your loan financial institution. Loan application fee, house price fee, loan account opening fee, laws and regulations fee.
In addition to the cost of the loan, other expenses include housing, transfer fees, home insurance and family property insurance, loan maintenance, commercial insurance and house inspection fees. In fact, the most important tax for buying a house in Australia is stamp duty, which is similar to the deed tax of real estate in China. Every continent is different, which is about 4%-5.5% of the total house price. Some states have great discounts on stamp duty on pre-sale houses. Naturally, a particular system is likely to change over time.
What materials do you need to buy a house in Melbourne? First, the precise positioning of the house.
When buying a house, you must have an established goal and know what kind of house you want to buy, such as:
First, live or invest by yourself. Comfort, convenience and children's education need to be considered when living by oneself, and if the project is invested, it is important to consider whether the value-added or lease is stable and profitable.
Secondly, it is the region. Different people have different kinds of hobbies. Some people love the suburbs and the environment is comfortable and quiet. Some people like to be lively and shopping is convenient. If it is close to the urban area, the traffic is generally more convenient and it is faster to go to the urban area. But the price is expensive, so most people must choose a balance point and try to choose their favorite areas within the budget.
Then, that kind of house. There are more units and apartments near the city, and the price will be cheaper than the house. Townhouses and houses that are far away are very wise choices. Naturally, most people like houses, but the houses around the city are very expensive, and only the rich can afford them.
Second, the financial plan
That is to know the money you can use when buying a house. There are several main parts:
1. This is your family or personal savings.
It is the money that you or your family can borrow from the bank. Generally, in the absence of debt, the loanable money is roughly five times your pre-tax income. Banks are actually a little different, and the loan demand is different.
It is a subsidy that the government can give you, and this part of the money can be given to the seller in the case of settlement. The current policies of American states are different. Houses in Melbourne in the near future or within 500,000, including 265,438+0000 new houses and 65,438+04000 old houses.
4. Stamp duty and export tax rebate. States in the United States are also different. At present, the stamp duty in Melbourne is generally less than the total amount of housing subsidies and export tax rebates. Therefore, under the current subsidy system, the state is actually subsidizing the stamp duty on buying a house, and there are thousands to ten thousand cash to make up for you.
5. Money that you can borrow, such as mom and dad, relatives and friends, and good friends.
Each item is equivalent to a relatively large purchase budget. When you look at the house, you must stick to the bottom line and not exceed the budget. Otherwise, when you sign the contract, you can't pay back the money, which is a big problem. Needless to say, it is impossible to succeed in wasting energy and buying a house. You must try your best to buy a house.
In addition, except for investment houses, it seems difficult to get a zero down payment loan, usually 10% down payment or 20% down payment. If the down payment is 20%, you can avoid loan commercial insurance. If you don't get it, you have to pay the loan insurance premium.