However, since 2065438+April 2006, ANZ and Westpac have discovered that hundreds of China people have provided false materials in the process of applying for housing loans from overseas buyers. Therefore, Australia's major banks have tightened the channels for overseas income loans. For ordinary Australian real estate investors, it can be considered that there is almost no possibility to apply for loans from local Australian banks.
So far, the policy has not been loosened.
Therefore, those buyers who want to hand over the house recently are most anxious and have the most urgent loan demand. Because if the delivery cannot be completed, the previous 10% house purchase deposit will be confiscated.
So are there any other loan channels besides Australian local banks?
The answer is yes.
Even in this case, there are still many financial institutions that can provide loans to overseas investors who buy houses in Australia, mainly some non-Australian international banks and some private equity funds.
Of course, not all international banks can provide loans. Citibank clearly told us that it does not accept buyers with RMB income to apply for housing loans.
Prepare in advance: The biggest difficulty of overseas loans is that investors often think that they need loans only when they hand over the house, thus ignoring the pre-assessment of their loan qualifications, so that they find that some of their conditions cannot meet the requirements of lending institutions before handing over the house;
Hengfu Overseas will help customers to pre-evaluate the loan qualification before investors choose the target property, make up for the personal conditions that cannot meet the loan requirements in advance, and inform customers to make adjustments in time according to the changes in the loan requirements of the government and financial institutions.
Material submission: Hengfu Overseas will inform the guests to submit the loan materials as soon as possible according to the approval period of each financial institution and the length of the loan validity period, and will conduct the first round of inspection on your application materials;
After passing the examination, the complete and compliant materials will be submitted to the loan financial institutions to maximize the efficiency of loan approval and reduce the trouble caused by frequent replenishment of loan materials.