Berapa sich biaya beli rumah dan deposit untuk beli rumah di perth, Australia
>> Thursday, February 27, 2014
Purchase price | Minimum deposit (%of purchase price) | |
With mortgage insurance(5%) | Without mortgage insurance(20% ) | |
$200,000 | $10,000 | $40,000 |
$300,000 | $15,000 | $60,000 |
$400,000 | $20,000 | $80,000 |
$500,000 | $25,000 | $100,000 |
There are couple of options to obtain a home loan:
Option One – Guarantor Loan:
If you have parents or a relative who owns property in Australia, they can look at being a guarantor. The guarantor would need to have approx 20-25% equity in their property. This can be a limited guarantee. A couple of lenders may be able to lend an additional 5% of the purchase price to help you cover some costs such as stamp duty. So you don't need any savings for the purchase.
Option Two – Gift from family:
If you are able to obtain a gift from a family member to cover a minimum of 10%, you maybe eligible for a 90% Loan. If you have been renting the same property for over 12mths, you maybe eligible for a 95% Loan and you would only require a minimum of 5% for the gift.
If you are not able to proceed with any of the above, you will be required to save a minimum of 5% to be able to obtain a loan at 95%. The maximum borrowing capacity will be determined by your income, martial status, liabilities etc.
and there are more option, just talk to the bank
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