Australia purchase common problem summary
澳洲代写assignment According to Australian news reports, the Australian students, there are quite a number of students have immigration plan. For the children can go to school relieved in Sydney and Melbourne, early to adapt to the environment, parents particularly concerned about "house to keep learning".
Problem a: there is no income for foreign students, can be in Australia loan to buy a house? Hear Australian loans to need to issue detailed proof of earnings, students need to show proof of earnings?
Students can buy a house, either the name of their parents, or their own name. No matter what you identity loans, proof of earnings is a must. Although no income or foreign students earn less, but can to parents for security, to the income of the guarantor to guarantee your loan. The ability to have a stable income overseas, in Australia purchase, can apply for to property prices 80% of the loan; But, for there is no income ability students, in bank credit tightening of the environment, at most only apply for loans to property prices by 60%.
In addition, if more than 80% loan, it is will be required to produce over three months of continuous deposit proof ability, but a general deposit more than 5% of the loan can be. The longest maturity of loan repayment is 30 years.
Problem two: Australia mortgage need the mortgaged property? In China's domestic assets can be as Australia the mortgaged property loans?
You buy a house in Australia, the house itself is your pawn, don't need extra pawn. At the same time, if you have assets in China, this will help you to apply for a loan more convincing some, apply for loans to more likely, you in domestic assets is "fully the necessary conditions". In addition, if the person that buy a house can take out a property price more than 20% of the payment, the bank will economic ability is very confident.
Problem three: Australia as most of them are house, all of the 42 days to pay, don't know loans to Banks how to operate?
Usually, all of the exchange of the contract should be paid after 42 days. Australia is the method that is popular in to buy a house, first do a the batch of loan, the group of down, usually three months effective. 3 months to buy a house, the loan is going well down.
Australia to buy a house related legal common sense (2010.01.04)
Property in the process of buying and selling, or property leasing process, natural hard to avoid will involve some related matters concerned with the law. The following this part, we will some of the common law and relevant content introduced to you, I hope you in this help, is better able to handle their own property sales and leasing.
A, real estate property business:
1, what is a property sellers ShenMingShu (SECTION 32 STATEMENT)?
Law, anyone who buy property before, the seller must give the buyer of the file, and buy home only after signed by signing the sales contract. The statement of the bibliography is to protect the buyer interests, and ensure that they know what to buy property. The landlord shall in the documents about the public property: mortgage situation, urban planning, construction permit, water, the government notice, the condition of the highway to property, land restriction or prohibition of some applications that, electricity, gas, water, telephone shuttle, land and so on. Make a list of the content of the objective is: buyers from these data to determine whether the property for future use. For example, buyers want to will be a commercial building to residential use. He should make sure now city planning whether to allow the commercial USES, more important is the planning in the future will not change. Another example is, this property is in the land of pollution, ShenMingShu not may point this out, but the buyer should find a lawyer for investigation.
"If you find that ShenMingShu content have error, how to deal with?
If the error is a breach of the law, the seller and his lawyer will be punished, buyer may therefore exit business contract, take all the deposit.
2, the seller may sell unauthorised architecture?
Legislation does not prohibit the sale of the building, therefore the buyer himself to be careful, in the sales contract shall be signed before the building to find out whether violations. For example, the city government ever sent to the property, and the building construction approval after the completion of the city government ever get qualified inspection. If there is no qualified inspection, have the potential to future government will not accept the legitimacy of the building, and also ordered let owner change building, until qualified so far. Survey construction must be in legal or not, before signing the contract. Otherwise, the buyer then automatically assume responsibility. So, if do not have the survey and, before signing to survey the relevant building approval, may cause the city government to investigate the property of building, if unfortunate there really is a problem, the city government will be ordered to modify a qualified buyer so far, such property until more is not worth the candle.
3, foreigners can buy residential buildings in Australia?
In order to ensure national living welfare, Australia government has formulated the "Foreign acquisition method" (Foreign Acquisttios And Takeovers ACT 1975)
Control foreigners investment residential property. Generally, foreigners can buy residential property in construction period or new is built Unit (Strate Unit) or to form a complete set with production (House/Land Package). In general, these can be from property developers (Off The Plan) buy there. The developer to advance to the government for approval, the highest can only sell fifty percent to foreigners. The development of new units if is the use to build residential purposes as regards you, can also get government approval for sale to foreigners. But to build units are not included.
"Foreign investors to buy the above property can be self living or to rent?
Both can, then re-selling and no limit. But be aware property is changed hands again and quot; New bridge and quot; Or has never sold. In other words, the foreign buyer cannot make you buying this kind of property.
"What circumstance foreigners do not buy the whole house?
Usually, foreigners are not allowed to take the whole house, unless the following two kind of situations:
1) foreigners to temporary residence in Australia more than 12 months above, for example, study in Australia, but students of buying a home in the $three hundred thousand limit.
2) foreign company in Australia have business, need to work to macau the administrative personnel to provide accommodation.
But beware: the two is not the cause of the permanent, once an application to the termination of the property, he shall sell right away.
"In addition, the Australian government although not to approve foreigners buy ready-made houses, but welcome foreign investment development residential property. The idea is to apply to the government agencies concerned for plans. For instance, buy a piece of land in 12 months, and then started construction. The examination and approval of the standard land price is at least fifty percent of spending in the FaZhanFei FaZhanFei. After completion, property can be used for self living, rent or changed hands. Another way is to rebuild residential property. The property in the economic life of it to end the number of houses can increase the reconstruction. To this, the government also provides the cost more than the old house development the buying rate of fifty percent.
As regards the "other property:
Commercial property:
This definition for the development of commercial property have, such as office buildings, commercial and industrial buildings, but not including space, the facilities, residential property (houses, unit, small farm), farm land. Less than five million yuan of commercial property investment does not need to government for approval.
The attached to buy commercial property:
Such as investment business need to use these property for plant and shops with etc, are also don't need the government for approval.
4 for the first time since buying a home, live can be won in the seven thousand yuan [first purchase subsidies will have temporarily changes, such as Australia government raised first purchase allowances and its influence 】
Since this year (2005) July 1, the first time that buys a house or building a house live people are available from seven thousand yuan of government subsidies, to make up for the consumption tax GST began to carry out after building after the appreciation of the burden of the subsidies, but only to never had their own real estate (including self living or rent investment) patients. The rules also add to the applicant's spouse. If two or more common use of the building also is only seven thousand yuan, subsidies, and the subsidies to be a one-off, and not after the application. The rate of the applicant is not restricted. The rules in the national scope, but each of province and area independent implementation. WeiSheng parliament is under examination and approval, the bill is expected to run management SRO stamp duty. When the applicant to apply for examination and approval by the SRO, it will release, money after use.
5, sign a real estate purchase CONTRACT (CONTRACT FOR SALE) should pay attention some legal matters:
1) if buy more than two real estate is the first consideration, the house is Shared (JOINT TENANT)? Or their respective shares according to have (TENANT IN COMMON)?
If real estate is the Shared (JOINT TENANT), namely the property without the signature of the all not rent or sold. A common owners died, its share to be automatic in law belong to other common owner. Jointly owned property not appoint to her will to the heir to the left. If the property is according to the shares have (TENANT IN COMMON), with its own shares free transfer, no need to the other shares all agree, the shares of can also made to her will to pass to his successor. Shares all person died, the shares will be the legal heir or will inherit heir. In general, a couple of the real estate partnership to buy in the form of a Shared. Real estate investment partners can choose between the form of stock purchase.
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