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澳洲指导assignment-澳洲留学生购房问题研究-Australia purchase common problem

论文价格: 免费 时间:2012-03-26 13:29:11 来源:www.ukassignment.org 作者:留学作业网

Australia purchase common problem summary

 澳洲指导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.#p#分页标题#e#

2) in the generation of people buy property, must clearly in the contract house property of the actual beneficiary beneficiary. Sometimes real estate is the principal agent in the case of the purchase.

In order to ensure that only pay a house property STAMP DUTY (STAMP DUTY), house property really beneficiary beneficiary's name must indicate clearly in the contract the beneficiary's name and address. Otherwise, there will be a double house property transfer ownership of stamp duty in May.

3) property of stamp duty is calculated according to the real estate once every door and pay, and if the client didn't indicate when purchasing property in actual beneficiary's name, in the actual beneficiary beneficiary to house property transfer ownership to his name, will be sentenced to again hand over a stamp duty. Because the stamp duty is to do real estate transfer procedures of more spending part of the cost of, please must be in the client purchase rather than from the bank group of loans to the date of goes into effect.

4) termites terms. In the house property of the standard purchase contract is not in the terms of the termites. Some in the real estate business contract or affiliate termites have add attachments terms. In terms of the general counsel termites noted that if there is white ant, the vendor shall register in properly governance termites and repair before the loss caused by termites.

Buyers can be added if there is white ant found, the buyer shall have the right to terminate the contract. As a vendor, in order to protect their own interests, but in terms of termites treatment and repair of termites limit cost, or add nor the seller shall have the right to terminate the stipulation of the contract.

5) additional terms

Buy real estate owners and the vendor can add to protect themselves in the contract or common agreed to the terms of the law are no detailed regulations. As long as both parties agree through consultation, the both sides after contract become effective is controlled by the law.

6) real estate purchase contract effective date

Real estate purchase in the final signature party date for contract effective date. Usually the seller accepts the price is when the date the sign. for

For the seller usually last just sign contract property. From stage to the contract become effective real estate transfer, the procedure to legalize general five weeks to seven weeks or so times. The task of developers in the contract comes into effect after the basic complete. Property buyers and sellers need to pay fees to their respective transfer ownership to the company, the real transfer procedures.

7) transfer date

In a real estate purchase contract, choose transfer date are also very important. If the buyer from bank loans to words, in choosing transfer date

Please pay attention to give yourself enough time to transfer. Usually, offer at least 3 weeks (21 days) time, best 4 weeks, and that is, from a bank loan approval of the three weeks to 4 weeks later again the transfer. Must not eager to move into buying a new house and register early date. Because of the bank's internal ready to loan procedures and do transfer procedures is different part, many of the bank loan files also need to deal with in the eastern bank headquarters, this period should be at least 2 weeks 3 weeks.

If the bank loan procedures can not be approved or bank to transfer that day prepare is bad, not to transfer, according to the law, if set good from the date of transfer ownership, not ready to transfer a party in 3 days still can't transfer, real estate purchase it according to 12% of the total amount of the annual interest by day to the other party to pay a fine, until can transfer so far. So if transfer ownership of the abundance of the date, the bank have enough time to prepare good loans to transfer files words, will not have to worry about pay a fine.

If the seller when still owe the bank sell the money, also should choose the date in transfer on abundant and some of the time, and to give yourself the time to owe the bank must deal with clear of loan procedures. Usually also advocate the bank at least 3 weeks to time to deal with, because from loans department to its state bank line to the head office and remove the bank loan deal with specialized divisions, often need three weeks or so needed time to deal with file and procedures. If the seller for clearing bank loan procedures not ready to not in designated date to register of transfer of words, also only 3 days to prepare for. Three days after such as are also unable to participate in transfer of words, as the price of house property according to sell 12% of annual interest to buyers pay a fine by the day until can transfer so far.

If house purchase contract is cash purchase, the only buyers funds in a short time can reach the designated position, to pay the amount of the contract, the buyer may require will transfer ownership to advance to the contract, the date of the establishment of two weeks transfer. Also the vendor as don't owe any bank loan word, also may be required to register as as soon as possible, because there is no in the bank for new loans or removing the old formalities problem loans. Therefore, please choose good favorable transfer date, so as to avoid delay transfer procedures of high pay fines, because both parties to the behavior of the bank, negative economic responsibility


Australia the type of house-look at the house which you live in Australia?

"This paper source: too foolish super BBS author: Australia life version moderator Simont 】 the side of the house of common types are the main house, unit, townhouse, apartment and studio. As for such as FLAT is special named just, generally not unit apartment is, therefore, not in-laws sequence. The author of this paper is to personal point of view, you have another choice Australian property: Australian property classification penny, a reference for the reader 】

1: overall introduction

Several housing form of apartment is good, then townhouse, unit and studio, and finally the house. This is from the whole say, of course, does not rule out even the luxury apartment than house also exist. But most cases or apartment living conditions is the best.

Basic inequality: apartment > = unit = > = studio = townhouse house [Australian property nets note: the luxurious villa, is mainly refers to suburban villa 】

Apartment is domestic common apartment, at least in 3 layer above, each floor has one or more units, each unit has a corridor, general apartment all have the elevator, each unit of each household or homes. Most of the apartment door of the unit is a security facilities, need to charge into.

Unit is a flat for the moment, can say is a short apartment, general is 1 layer, or layer 2, 3 layer is less so. Generally no elevator, a unit gate, but no punch card system.

The translation studio is studio, for housing with the hotel room is similar, but more will be a kitchen, general kitchen and sitting room and bedroom is one body, have a separate room is the toilet. Layer does not necessarily. Have high and short.

Townhouse is duplexes, is widely used in Europe, its original meaning in the city along the street to the townhouse built around the citizens housing. Townhouse is generally less than three layer by several new single households villas parallel composition couplet platoon type residence, building area is generally every 150 to 250 square meters, each household alone door were made to have a "one day have to" small yard, mostly for 50 square metre, some to nearly 100 square meters. Every has 1 to 2 cars, some still have the basement.

House is a layer or two layer, main mark is the courtyard.


2: first below house started to tell from within

house

First house said, everyone understand the meaning of the house is a house, in the side of the house is usually referred to as a alone a housing, have their own independent yard and the house of his own.

The house has a layer of two layer, but I haven't seen the layer 3 house.

House building a house of the materials available many, it analyzed separately below, the main characteristic of the house have: take the yard, the room can many, relatively unique style.

Take the yard: the house is the most main signs, Australia's house have a green requirements, such as house is green area not less than the overall requirements of covers an area of a percentage (specific digital heard that is 40%, accidentally not sure, microchiip), it has to be enough lawn coverage. More lawn, jumping, throwing, benefit is courtyard green grass shade, whether do game, BBQ all mood letting a person is very happy, and the yard can put a trampoline, things like that, I this way some local home trampoline, also can dig a swimming pool, more cool, also can be in the yard bask in clothes quilt what of, very convenient. Harm is may have bugs ants, things like that, and need to periodically cutting grass, a bit of a problem.

The room is much more: doesn't have all the house all the room is much more, but most of the more than average room is house. So I want to live a little busy words chosen house is more appropriate, can live. I here a professional to do ErFangDong people lane of the house is 7 rooms can live seven people, the basement can plug the next one. Total is 8 people

Unique style: every house is independent of the building, style can be varied, this should see personal interests. Let's general is renting a house, the relationship is not very big.

The last major about material: house according to the material to points mainly has brick, wooden room and ZhuanPi room.

Wall brick is completely use brick house, the house is the best house. Warm in winter and cool in summer, heat preservation sex. And not likely to corrode, maintain good bugs are less. House prices in general is more high.

Wooden room wall is completely wooden house, this house is in poor, heat preservation sex difference, winter because the sun into, indoor than outdoor cold; Some poor ventilation in the summer house; and the house than the heat outside. And the house there is space to wood, and the worm is easy to come in. Need careful maintenance. This is the cheapest house.#p#分页标题#e#

ZhuanPi room was built of wood house, the last in the outside of the house with a layer of ZhuanPi, in the outside and brick, but in a wall inside a knock on wood is the voice, the quality in the wooden room and between brick building. The price is bad to say, to see the people rent doesn't understand the difference between brick building and wooden room, or to the landlord to the price of the brick house lease you. "

Townhouse

The townhouse even platoon villa properties limited the yard not very large, so also is relatively small house some of the patio. Even some townhouse is no their own independent yard, 2 it is to have a few townhouse Shared yard.

Townhouse can be connected to the villa of several nearby, the design of unified style, may even part of the internal decoration are unified.

Just family itself, with other house types townhouse than does not have too much superiority, even the wide often smaller, deep into the more often. But its advantage is private garden and terrace, make habitant have live house feeling.

Townhouse are generally brick, relatively few of the wooden room. House warm in winter and cool in summer is better, and the side of the townhouse are generally layer 2 and layer 3 much. Because the house than to the high, 2 layer ventilation is better, the scenery is better than the house. Generally the courtyard of the townhouse smaller, less bugs, indoor is clean. A little is better than house condition in general.

A general have townhouse kitchen, bathroom, living room, sitting room, and some still have a bedroom, second floor general main is bedroom and living room and toilet. Townhouse number of rooms mostly in 3 ~ 6 rooms, also is very lively.

Apartment

Australia to the translation of Chinese language newspaper apartment is "elegant BaiMen", very strange and a little fun a name.

As stated above, apartment is domestic apartment, also is the flats. In China, the units are also called unit.

But here in Australia, apartment is some more upscale apartment, I have seen apartment are generally high-rise building, the position is not by the sea is on top of the mountain or hillside, the location is very good, scenery is very good. The safety of the apartment generally it is the best, mostly have entrance guard system. And some senior apartment and security guard (in Australia this artificial super expensive areas there are security, cow!)

I've heard that Japanese more because of the earthquake, apartment is mostly made of wood, is to shock, and Australia's apartment is mostly brick, warm in winter and cool in summer is very comfortable, and because the seaside location is not in the mountains, of temperature is more is a guarantee. Suitable for fear of cold fear of heat.

Apartment some have own swimming pool, is the whole building can free use, although not quite, but little is better than none, and after all is his downstairs, very convenient.

Apartment generally are higher, so little bugs, air liquidity, ventilated smooth. Apartment downstairs have mostly indoor unified garage, deposit vehicle is also quite safe.

Apartment internal decoration are also very good, mostly have independent laundry room, and there are washing machine and dryer, toilet generally more than one. Apartment number of rooms in 2 ~ 4 between, 2 rooms and 3 room more common.

Apartment no yard, so the clothes bedding such things can only use things like air clothes tree in the balcony air is basked in. Apartment balcony generally is very big, can put in the balcony on the table and some chairs, very is a leisure good place.


Because the house the quality and the safety is best, so apartment rent also generally is the highest.

unit

Unit in simple terms can say is the apartment downgraded version, the house is mostly layer 2 or 3 layer, the new cover unit began to the elevator, but the old room is not the unit of the elevator. And generally no entrance guard system, unit gate is to be able to open with a key. I personally feel distinguish unit apartment and the main difference is layer, unit is short, apartment higher just.

Unit 1 ~ 4 yes common room, more than four room not saw. Unit toilet generally is 1 ~ 2. Unit has a wooden room brick, with wooden room difference between the difference between house brick building. General unit because the building is also attached to, so also is the brick building unit, it is better than the brick house heat preservation sex a little bit better, warm in winter and cool in summer work better.

Unit no independent yard, so with apartment, clothes bedding such things can only use air clothes tree things in the balcony air is basked in. Unit for a short, so worms and fly such things easy to enter, the necessary time need to prepare some pesticides, found that after cleaned timely.

studio

Studio willing is to point to the studio, is refers to the partition of the wall inside not open type layout house, also known as loft or studio Apartment.

One-and two-family houses, after taking the door, is a large room, living room, kitchen, the bedroom all together, originated in six of the seventy s, New York, USA, 80 s rapidly and with personalized wave of return, this be the western artists called the new architectural form LOFT, gradually evolved into a kind of fashionable living and way of life.


The definition of the main factors including loft: tall and open space, part of a double entry structure up and down, similar to the drama stage effects the stairs and beam; Liquidity, door model disabled within; Transparency, and reduce the illicit close degree; Open, between family all-round combination; The artistry, usually is the owners decide all style and pattern.

Living way: the LOFT Spaces have very big flexibility, people could freely create their own dream house, dream life, doesn't be existing institutions that dominate or components. People can let a space completely open, also on the break up, so that it has personalized aesthetic taste. From then on, the rough column wall, the gray cement floor, bare steel structure have been away from the old warehouse pronoun, ugly old plant in opposite, a new breath is surging, this is LOFT life.


In Australia can use pension to buy a house: but to follow the nine major steps

[source: sino nets 】 since 2007, the government allowed all through the pension to buy a house, make originally see but can't move at the pension into a disposable assets. But the government and no details of the steps involved, didn't also could face the danger of warning, so in real life is not so too popular.

The current house prices rise successively in Australia, through the proprietary retirement fund (SMSF) investment real estate, not only can the best save taxes, it can also your pension have very good value function. But the operation procedure for is more tedious, to do a lot of Paperwork, if not be careful to ignore the which point will make you a headache. Australian property investment magazine summarized the following nine big steps, although read some boring, but it can become rich in help on the way.

Step one: to professional consulting to see if you're qualified applicants

Let your accountant or loan broker recommended a professional company for you the assessment, and look at your full conditions does not meet the requirements. If you intend to investment homes, most lenders can be at most 72% loans to you, if you want to investment in commercial housing, also only get 65% of the loans, which will balance part of your pension from made.

Pension investment in real estate, you hand should have a plenty of money to the turnover of come over, at least for the first year of the ready to buy a house, attorney fees and interest charges. Another bank loan interest rate than the general room loan interest rates high number, plan their cash flow.

Step 2: loans before the approval

This is very important step, especially you haven't set up the self-management accumulation fund.

Usually the bank needs to complete the payroll, you buy the funds required to prove (such as employers pay for your pension account remaining sum, or proprietary accumulation fund of the bank evidence)

Ready to fill in some form, but if you choose professional agency, they will do a lot of things for you.

Step 3: set up his own proprietary accumulation fund

When you get the approval in advance, you will need to set up self-supporting accumulation fund account, you of the accountants or other professionals can help you do, but they usually charge.

Proprietary accumulation fund in a few days time can set up, the next step is to buy risk insurance, to put relatives were included.

Must not forget, the life insurance is pension duty free, so you must pay attention to this point. Your accountant may arrange or recommend a good financial planners to take care of you in every aspect.

If you now have proprietary accumulation fund, you should check your insurance clauses, make sure to the investment in the scope of insurance.

Now you need to put the pension account balance turned to proprietary accumulation fund. This can be very painful. Some funds don't want to lose your business, so that often will try to delay the process, you try to provide you with all of the material.

Sometimes in your pension account for some of the balance is beneficial, it mainly depends on your pension provider, you can and your accountant and financial planners conversation so as to get more information.

You also need to make investment strategy, your accountant will provide some tax advice, here no longer need one.

You will also need to tax official get a "role and responsibility" for the brochure, find out what are the obligations on tax. Also, your accountant or professional can also help.

Easy to produce the problem: : you may need to repeatedly urged endowment fund, because they will repeatedly delayed.#p#分页标题#e#

Step 4: trust company

You need to set up a trust company, when you meet the property, can't sign the contract in its own name, with the trust in the name of the company to sign. The trust company named no special provisions, literally you take, and only spend a day is built. Once the name is accepted and you have the Australian company code (ACN) so you have the right to sign the contract.

Step 5: started to look for

Once completed the above steps, you can start looking for investment property! Ensure that amount to in previous loan bank within the approved amount, to sign any contracts are to abide by this restriction.

The contract should be above the acquirer is the name of the trust companies.

The contract should be with financing terms (Subject to finance). At least 14 working days allowed the examination and approval of time, but strive for as far as possible to a little longer, because the lender may slow, you need to provide a lot of relevant documents. In addition, you'll need at least 60 days of settlement, unless your agency is superman. With the speed of superman can do all things.

澳洲指导assignment Easy to produce the problem: : long financing terms and settlement period is a must! Because the big four dominate the market, and their hands a lot of backlog application.

Step 6: get the approval of the conditions

You need to provide additional documents to mortgage brokers, such as assets and liabilities, bank bills, loan single, lease assessment, tax declaration, credit card bills, etc.

It is not difficult, if you organize the existing these things, that would be very easy.

You also need to business contract, Section 32, if is a commercial real estate, you also need to lease agreement.

Step 7: not with guarantee Trust (Bare Trust)

Now you need to immediately establish Bare Trust, it may take one day to a week or so of the time, the Trust's name is you buy the property of the actual address.

Relevant documents have to sign good and sent to you as soon as possible loan broker, they will put these documents submitted together with self-supporting accumulation fund agreement bank's legal department for examination and approval. It may take a few days to two weeks time, sometimes delay in it is loan out of the question. Now you should understand why financing time long is indispensable a conditions.

Now is assigned a transfer person, they can start land transfer of the issues and to prepare for the transfer.

Step 8: waiting for unconditional approval

The bank will price of houses, and the examination and approval and purchase contract. If it to submit documents satisfaction of words, will formally approved loans, and ready for the loan of all kinds of written documents.

Now with transfer ownership to negotiate the rest of the money how to reach the designated position, you can access to bank loan, let them from your accumulation fund account withdraw the money, or transfer man could make other arrangements.

Easy to produce the problem: the appraisal might be better than expected for a long time, it depends on the bank. Your mortgage brokers dealing with the bank should have enough experience, and they'll tell you loan approval time limit.

Step 9: transfer

You should always keep in touch with mortgage brokers to ensure all the links are not what's careless mistake, everything is sorted, only owe transfer. Once the transfer, you will receive the bill that the house is now your, later lending institutions will be regularly from your account extraction interest. Now you have successfully purchased the proprietary endowment fund property.


Buy a house  court: buy Australia apartment reference factors

Apartment position

The apartment is how far the school? Scenic spot, shopping center from cultural, recreational facilities, locate and traffic stand? The property is present and future area of attraction and how?

Apartment environmental noise

Evaluate noise level. Highway or make street, automobile,, parking lot, near the playground noise more serious. Consider the elevator, garage doors, garbage chute, heating and air conditioning equipment position.

If there is the protection of privacy apartment design

Privacy is a very important considerations, we must pay great attention to. Clear up this property wall, floor and ceiling sound insulation material is enough. In addition to consider you to other public area in the unit, including the pedestrian road, road and the distance of the fence.

Apartment prices

You consider property prices must with other similar property compared with competitive. Considering additional facilities not economic and even more money, you might not want to make them Australian property. On the other hand, you must consider the property of potential resale value.

Whether the public facilities and provide apartment equipment

Carefully consider all of the public facilities. Whether they are to your needs? If you are willing to take part of these facilities maintenance and repair costs?

Whether there is a parking facilities apartment

In outdoor parking space or underground? Is there enough lighting or security measures? Do you have enough guest parking space?

Apartment storage facilities

Whether you need enough storage space? Or do you need to rent a mini store content ark?

Apartment building materials quality

Thoroughly check in the architecture around the building and property, the developers do a whole product evaluation. Hiring a trustworthy contractor or a house YanShouYuan, the architecture or the quality of state property unit and do a evaluation.

Apartment design planning

Consider their current and future needs. Whether rules limit property to any external property structural transformation? If you plan to increase for family, relatives or build a independent office room, and that should consider the factors in advance.

Apartment in a village

Choice property around on village, to evaluate the value of residential area would affect you of the value of the property.

Apartment all guests personnel structure: homeowners Vs tenants

Ask the building for homeowners tenants of the proportion, and allow the tenants in the biggest number. The higher the proportion of the master of the house, to have the satisfaction of property is higher.

Apartments management

Find out this apartment building is by a professional management company management, or by a resident managers (resident manager) or self management. Check the apartment so that the noise factors, such as children and party, a know exactly, in addition to management effectiveness.

Apartment region the estate tax

Contrast the region and interested in other areas of the real estate tax, in addition to know whether the region will increase taxes and why.

Apartment rental housing area area

If buying an apartment is for investment, that looking for a foreign rent the situation is very good area. Houses must be empty risk to the minimum.

Apartment the region where the restrictions and opportunity

Find out the region's provisions and other related affairs. If there are district plan? Where the local laws and regulations is what type division, whether changes? If not limit the use of old or foreign rent building?

Apartment region overall image

The media or the public to the region's overall image? Is positive or negative, and why? People in the region affected their opinions can buy or rent decision.

Apartment in a village development stage

A village will experience a series of stage of development, the time period or state. Usually the stage has development, stability, transformation, existing property transformation, the transformation and reduced weight development. Your interest in the property in a region where the current what stage?

Apartment region economic conditions

This is a of the consideration main factors. What is the economic stimulus here, and why did the village to the purchaser or tenant attractive? Some development activities, such as shopping center, house and apartment building, office building, chain stores and other business activities on the increase? The area whether to build the subway or public transportation line?

Apartment area population trends

Check your interest in the area of the population trends. People are moving in or out in the move, why? Village population average age is how much? Professional type? Income level? Family structure? If the population is increasing, usually to rent or secondhand the room needs will increase. If the population is aging population, the population may choose to reduce the scale, would rather buy more small house.

Apartment area traffic

You must hope that there is a convenient traffic. Whether the bus and subway, bus rapid transit, highway, ferry or other types of traffic, traffic quality related to your way of life, and the future of resale value.

Apartment appearance

Consider your interest in the property's appearance. Again the resale to people produce attractive? Maintenance is perfect, or whether to need to repair? The community is what other houses?

Apartment in a village in service

Provide service in the district is different, attract tenants or buyers have different types, based on their needs.

Apartment region not attractive feature

To find if there are to buy decided to have a negative impact factors, such as from a factory fumes, street lighting is there safe hidden trouble lack, the municipal services provide insufficient, roads, and bad drain the open air.

Apartment to facilitate

If you are buying an apartment as investment, to stay away from your dwelling is in four hour. You need to be monitoring or maintenance of your property.

It is to buy the apartment co-management should consider the factors. Purchase management as a place for investment or apartment, this two kinds of choices they emphasize factors must be different.#p#分页标题#e#

 

 

 

 

 

 

 

 


Steps to buy a house

One, looking for housing information: for the housing market information, there are many ways. When however, use the Internet is the fastest method. Other sources of information including: states major newspapers area or city real estate property agency newspaper magazine window 'For Sale' billboard friends and neighbors. Looking for real estate agency please real estate agency to work for you. Let the housing agency know you want to buy what kind of building, to provide them with the details of the houses and even your ideal list. Your real estate agent to provide your ideal the more information of houses to realize your real estate agent, the greater the ideal opportunity. This has an advantage in real estate is, haven't listed, real estate agent will first thought of you.


Two, things:


1) remember notes because you want to see a lot of the house, taking notes can help you to easily compare to other characteristics of the house.


2) check the Vendor Statement and contract law, in houses sold mainly provide a Statement in WeiSheng, called "the Vendor, Statement (Vendor 's Statement (or Section 32))". In new south wales, called "while Contract (Contract of Sale)". The statement, you can from the real estate agent there buyers read.


It includes:


A "title" copy of the area of land used to show, location, lending institutions, such as the names of all previous vendor original material.

It told the land information plan as a residence or whether it can be when business to use or development.

Real estate loans such as if there's still spending council tax, water, etc.

Building construction permits to limit is the past seven years, any newly built or rebuilt project.

It is included in the "Housing Guarantee Fund" in.

Other agreement happened around this house property with other people, like the agreement wall that build affiliated buildings, etc.

About the statement, the vendor and real estate agent should provide the correct and detailed data.

3) do a check for your houses tend to buy property, prior to do a XiaFang house inspection. To avoid buying, found that there are many places need repairs. Below is the house in check, should be considered part:


House interior

-check if all the ground is the level, floor and skirting (walls wall between? Have aperture

-gently in woodiness floor jump to test the stability, it.

-see if there is a wet, including signs of decay, the wall or floor roof, whether the house whether mouldy stale.

-check whether the roof and wall or a crack askew. In just the paint brush or the wallpaper, may be behind have a problem.

-switch of inspection door or window frame, whether at right angles, or window frame if there is tilted phenomenon, is to suggest that the foundation sink.

-sure all the light switch to normal. Use the power supply inspection (can be in hardware appliances shop to buy), testing the power switch is normal or not

-and at the same time, to test the faucet open a few cold and hot water pipe of the water pressure.

-especially the XiWanChi and bath filled with water, to observe the drainage. Slow-moving drainage systems that have problems.


Outside the house

-check out the fence and the stability and durability.

-close to the house have a big tree? If it was too close to the house, will affect a foundation.

http://www.ukassignment.org/azdxassignment/2012/0326/19358.html when it rains, rain is to court outflow to room or root flow, the rain? For example room got into the car.

Check all the external wall,-look at them is straight or a crack.

-will check the brick and the brick of tick off seam between.

-house? How underground ventilation

-check of the sink and roof.

-look at the roof have broken tile?

-check whether th sinking, decay. Or have termites invasion.


Professional personage will check the house every part, including building structure, the roof and cistern is leak rain, electrical, and water lines, such as part of it will take about two to four hours of time. Professionals not responsible for check the house on the surface of the deficiencies, like paint brush is bad, etc. Professionals will provide you with a written report. It will tell you the problems about real estate, to spend how many money to repair. With that information, so this shouldn't buy this house, you also got the picture. If you decide to buy, also have plenty of reasons to and real estate agent a bargain.


Three, negotiation is in the process of negotiating to buy a house pass the most let a person very edgy ring.


When your offer is accepted, you need immediate: pay a deposit, draw up a contract that buy a house memo, began to deal with the formalities of negotiation skills is to find the seller should be willing to sell the lowest price.

Negotiation is the key to look like you to this house is interested. If you really like a house, and that was it for you, to put up a pay did not care about the appearance is very difficult. This is sometimes the cause of them harder negotiations. When negotiating a mask can make you overly aggressive and intermediaries ". This than you in the negotiations in Nigeria not show the psychological more can be concluded a good price. A kind of had psychological at the same time also can in you can't buy the house to the greatest extent disappointed psychology. Most people in when bargaining is always a cut a bit of how much mental. For this reason, usually buyers always come up with a price 10% lower than the seller about the price. Intermediary chamber of commerce put your bid that homeowners and then let you know to accept it or not accept. In the final agreement before you may need to several times to review their bid.


Don't tell real estate agent you can pay most how much. If you are not satisfied with the seller to price, a little increase the amount. Persistence is the victory. Sometimes, of course, you may not so lucky, for example, the market is very strong. If there are several people at the same time to the same house interested, you must decide whether a proper price. In both cases, don't go beyond your budget cap. You must not because seized a deal was not put the nose, remember, your emotions can affect your discrimination. You can finally get a house, but you may also will be so back a beyond his budget mortgage loans. When the vendor doesn't seem willing to demand and prices are still your expectations on, you might as well tell real estate agent for anything you think the price is too high. Real estate agent can put your proposals to give homeowners, homeowners there may still have your logical and whether the price minus the point.


If your offer is accepted the, remember to have a written record. This includes text on both sides in the contract or contract signed memorandum (is only applicable to the YuWeiZhou). The contract agreed between the listed price and related terms, conditions, such as depending on the view of satisfaction and funds houses depends. Once signed the contract, that you may be asked to pay for a small part of the deposit. The next thing is to deal with the formalities and implement your fund. If you do not have to check the house a, please immediately arrangement houses inspection.


Four, and later worked in ending mutually acceptable price, buy a house process is not over. In you before the new homes, there are still many things you need to pay attention.


You will need to do the following these things:

A service contract to buy a house is through the exchange if real estate agent or private trading routes (not auction), your lawyer or agent will examine the seller to provide all the details of the contract. This includes: clinch a deal price date (i.e. you agree to payment in the purchase, and own the house) chattel (can move in the purchase in the production including property) special conditions, such as, the loan, the existing home sales, check the house are satisfied and other you want to clinch a deal in the final before the seller shall do) your legal advisor is responsible for inspecting the contract details, and ensure the contract without any to buying a house or use house property adverse content. Ensure that while you think should contain detailed contract that buy a house as the rights attached facilities and related equipment, such as of movable property, like curtain, lamps and lanterns, activities such as iron house. Once all things are satisfied with the result and funding has been written approval, contract can sign the department. Each party in their houses sign the contract, the contract is to be ready to duplicate. The vendor signed contract keep your text, you are kept each other to sign the text. This process is usually said "exchange contracts". Once the both sides has signed the contract, the contract could not be reversed. However, accidents will happen, if the situation changes affect the contract of any party, it follows in between the sign and clinch a deal this time, he can ask amending the contract.


Two service experience "calm" period "calm" period means that the buyer can cancel the contract period. But not including auction house purchase. This period began in exchange after the contract, the length varies by state, so, please consult your legal consultant seek advice.


Three service continue to transfer formalities even if you and the seller has exchange contract text, transfer procedure is still going on. Your legal advisor would spend a little time to relevant government agencies for a more comprehensive information, such as local city hall, tap water, etc.


In all states, the written form of land transfer, sales and requisition notification must be ready. In addition, in the real estate transfer, your agent have the responsibility to ensure that all local government land tax and other taxes without omissions.#p#分页标题#e#

You may find that, in addition to the purchase, stamp duty is one of the biggest a expenses (this is the percentage of the tax in accordance with the purchase to conversion). Consult your lawyer you owe much, other costs include interest and handling charge certificate, and for land transfer and mortgage loan and some registration fees. Once your copy of the contract signed finally, should give the vendor. And in the day of clinch a deal (i.e. you pay the money to hold the house property), signed contract by the other party shall be returned and your text. End a trade, you should get a statement to clinch a deal, detailed state what you owe money, including taxes and interest rate adjustment.


Four complete a loan service you need to contact now lending institutions, tell them you have called the price to buy a house. Lenders will prepare you for the real estate appraisal to buy, if accord with a condition, they will loans to you, to let you get enough money to buy a house. If you haven't decided to take what kind of loan, the good study it. Choose a housing loan sometimes makes you big nerve-racking, especially when your time is limited. Please refer to the housing loan approval process.


Five service date refers to clinch a deal to clinch a deal you paid house money to the seller and own properties of that day. Legally speaking, clinch a deal the estate trade is complete. Your legal consultant should arrange the matters, and notify the mortgage lender (i.e. lend you the money. Generally speaking, clinch a deal in the day of contract after exchange is the four to six weeks. In the day to clinch a deal, the balance of the purchase should be a paid, property right certificate (state property ownership of legal documents) and delivery. If you are on his own and didn't apply for any loans and bought property, it follows that house property all the names of the people will be turned to you or your agent head. Otherwise, the lender will get transfer files and the property right certificate. Finally, the house keys will be you. You have the right to demand in the day of empty houses clinch a deal the seller within all items. You also have the right to clinch a deal in a moment ago made a last inspection. If found since exchange after the contract, the house have change, such as droplight or curtain was gone. Your legal agent can notify the seller, if the house is not back to the previous offer situation, the buyer will not clinch a deal.


Six condemned by dealing with insurance matters once property clinch a deal, please remember must for your new house to buy insurance: including buildings and the house two kind of insurance goods. 澳洲指导assignment You even in the first contract signed, they will do it. So, if the seller's insurance incomplete or didn't pay, you of new housing also can be in under the umbrella of insurance. Lenders will force you to buy building insurance. Generally there are two insurance law: replacement insurance and compensation insurance. Replacement insurance is "new for old", compensation insurance is "to old for old". Further insurance consulting please refer to insurance requirements. At the same time, also can see real estate service, to access to the insurance company information.
 

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