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Berapa sich biaya beli rumah dan deposit untuk beli rumah di perth, Australia

>> Thursday, February 27, 2014

How much do I need for a deposit
Purchase priceMinimum 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
           
for those of you who wondering how much deposit needed to buy house, when i said you it means me ha ha ha,..
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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