60万在墨尔本能买到HOUSE？
宇宙中心可能悬，黑烧南那六七十万不是问题，区还不错的。
你不能拿悉尼这种变态的房价来看澳洲其他城市.... MICHELLE07 发表于 15-7-2013 13:02 static/image/common/back.gif
60万在墨尔本能买到HOUSE？
几年前买的吧，现在涨了
06年boxhill也只要40W planetkeeper 发表于 15-7-2013 13:20 static/image/common/back.gif
几年前买的吧，现在涨了
06年boxhill也只要40W
06年国内买的房子都翻了多少翻了... 要升值还是要看国内房市啊。 我觉得我买的还是比较值:ppb_25 angelar8 发表于 15-7-2013 13:01 static/image/common/back.gif
看起来还挺麻烦的，明白了，谢谢哈。也只是想IO 几年而已。如果利率高很多，要考虑一下了。
同意前面的。自住房真没有必要弄I only。除非真的是还不起
为什么想弄I ONLY呢？有什么特别的理由么？ MICHELLE07 发表于 15-7-2013 13:02 static/image/common/back.gif
60万在墨尔本能买到HOUSE？
真能。MEL的房价比SYD要正常很多！！
:'( EmilyS 发表于 15-7-2013 13:59 static/image/common/back.gif
同意前面的。自住房真没有必要弄I only。除非真的是还不起
为什么想弄I ONLY呢？有什么特别的理由么？
我前面说了，每个月还款少。短住几年一般都这个。 熊猫阿三 发表于 15-7-2013 16:05 static/image/common/back.gif
我前面说了，每个月还款少。短住几年一般都这个。
不过以后还是要还的呀。。。 本帖最后由 daxiao 于 16-7-2013 00:21 编辑
IO不能FIX?
IO只是允许你还款少
IO利率比P+I高？:faint: 银行的每个PACKAGE 还有专门对IO有不同利率？ seems it can be fixed!
come from WestPac....
Fixed Rate Investment Property Loans - Interest Only in Advance
Interest Only in Advance Interest Rates - current as at 1 July 2013 Fixed Rate Term Interest Only in Advance Discount
(p.a.) Interest Only in Advance Interest Rate1 Interest Only in Advance Interest Rate with PAP2
(p.a.)
1 year 0.10% 5.34% 5.14%
2 years 0.10% 5.09% 4.89%
3 years 0.10% 5.09% 4.89%
4 years 0.10% 5.59% 5.39%
5 years 0.10% 5.59% 5.39%
What is Interest Only in Advance?
Interest Only in Advance is a repayment option that offers Fixed Rate Investment Property Loan customers an additional interest rate discount for paying 12 months interest in advance.
By prepaying interest you can potentially reduce your tax liability for the coming financial year and conveniently consolidate interest repayments into one lump sum payment.
This is not financial advice: we recommend that you consult your financial adviser to determine the benefits which may be applicable.
Who can have Interest Only in Advance?
Interest Only in Advance is available for most Fixed Rate Investment Property Loans and Low Doc Fixed Rate Investment Property Loans.
Customers with existing Investment Property Loans can switch to an Interest Only in Advance product upon request.
Existing Interest Only in Advance customers with fixed rate terms expiring will receive a letter of offer to review their Interest Only in Advance arrangements 4 – 6 weeks prior to fixed rate expiry.
New customers can establish an Interest Only in Advance loan through our standard application process.
Things you should know
1. Interest must be paid in advance annually for each chosen fixed rate term to receive this rate. If after the first year of a fixed rate term interest is no longer paid in advance the Interest Only in Advance discount will be removed for subsequent years.
2. Interest Only in Advance Premier Advantage Package (PAP) customers receive a further 0.20% p.a. discount.
Interest Only in Advance interest rates are available on Fixed Rate Investment Property Loans with fixed rate terms of 1, 2, 3, 4 or 5 years.
Interest Only in Advance interest rates and discounts apply to new Fixed Rate Investment Property Loan and loans which have been switched into Interest Only in Advance products.Existing fixed loans are not eligible unless the loan is re-fixed.Interest Only in Advance discounts are subject to change.
The PAP discount rate applies to loans of $150,000 and above, effective 21 July 2008, and includes ‘Low Doc’ loans. Existing fixed loans are not eligible, unless the loan is re-fixed. Some exclusions apply. Discounted margin rate is subject to change.
Subject to Bank's approval. Normal lending criteria apply.
Other conditions, fees and charges apply.
熊猫这个是investment啊，但我们一直是说自住啊。。。 planetkeeper 发表于 16-7-2013 09:17 static/image/common/back.gif
熊猫这个是investment啊，但我们一直是说自住啊。。。
:tk_14 我有空在看看... 熊猫阿三 发表于 16-7-2013 10:00 static/image/common/back.gif
我有空在看看...
:ppb_75:ppb_39 本帖最后由 周星星1832 于 16-7-2013 12:05 编辑
我自住房办的投资的贷款怎么算？@熊猫阿三 周星星1832 发表于 16-7-2013 11:37 static/image/common/back.gif
我自主办的投资的贷款怎么算？@熊猫阿三
看不懂.你把你的语法错字搞定了再说... 熊猫阿三 发表于 16-7-2013 12:04 static/image/common/back.gif
看不懂.你把你的语法错字搞定了再说...
改了 我认为无论是自住房，还是投资房，IO+offset都是最佳的选择。
对于平时生活消费理性的人，自住房无论是IO+offset还是P+I，其实都是没啥区别的。但是未来如果将目前自住房转变为投资房的话，之前一直都是P+I的，由于已经还了一部分本金，所以贷款产生的利息就会减少，由此tax deductable的利息也会因此而减少。 周星星1832 发表于 16-7-2013 11:37 static/image/common/back.gif
我自住房办的投资的贷款怎么算？@熊猫阿三
你自住房何来投资？ 熊猫阿三 发表于 16-7-2013 12:48 static/image/common/back.gif
你自住房何来投资？
算了，咱俩交流有障碍 熊猫阿三 发表于 16-7-2013 12:48 static/image/common/back.gif
你自住房何来投资？
实际是自住，但以投资房的名义向银行贷款。
税务上是看实际居住性质的。 MICHELLE07 发表于 16-7-2013 12:53 static/image/common/back.gif
实际是自住，但以投资房的名义向银行贷款。
税务上是看实际居住性质的。
我还是不明白，他只有一个房子啊，肯定是自住，难道自己租给自己？肯定不行啊。如何CLAIM REFINANC？请教... 熊猫阿三 发表于 16-7-2013 13:05 static/image/common/back.gif
我还是不明白，他只有一个房子啊，肯定是自住，难道自己租给自己？肯定不行啊。如何CLAIM REFINANC？请教 ...
买房的时候，和银行说目的是投资，就是一个假设，银行会评估出租收入和投资费用。贷款下来后，改变主意，住进去了，也是符合逻辑的。
re-finance 同理
就是如果你只有一套房，银行还要估算你的租房费用
买了A区，投资出租，自己在B区租房住，可以的 MICHELLE07 发表于 16-7-2013 13:10 static/image/common/back.gif
买房的时候，和银行说目的是投资，就是一个假设，银行会评估出租收入和投资费用。贷款下来后，改变主意 ...
恩，这么说我明白点了。不知道周星星减肥如何了.... 准备买第二套房子去打理减肥么？ 熊猫阿三 发表于 16-7-2013 13:17 static/image/common/back.gif
恩，这么说我明白点了。不知道周星星减肥如何了.... 准备买第二套房子去打理减肥么？
我啥时候说要买第二套房子了，你给我钱？
你见我应该认不出来了 周星星1832 发表于 16-7-2013 14:48 static/image/common/back.gif
我啥时候说要买第二套房子了，你给我钱？
是不是啊...上照片大家评评.. 熊猫阿三 发表于 16-7-2013 16:19 static/image/common/back.gif
是不是啊...上照片大家评评..
不上
要评
你跑个5公里过来 周星星1832 发表于 16-7-2013 21:33 static/image/common/back.gif
不上
要评
你跑个5公里过来
周末太忙了，以后吧.....
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