小白贴，stamp duty是要pay up front还是可以贷？

acmilanbasten · 发表于 2014-5-31 10:32:53

stamp duty也能贷？

pengwang · 发表于 2014-5-31 12:08:17

银行在贷款的时候不分多少是给房东的多少是交stamp duty的，只是算贷款额度是房屋价格的百分之多少，80以内不用mortgage insurance，超过80%就交mortgage insurance。

newaussie · 发表于 2014-5-31 12:27:04

原帖由 Totaro 于 2011-11-9 16:01 发表
跟2楼说的不一样听哪个
The answer is "Yes" you can borrow including Stamp duty.
Westpac can lend maximum  95% of your property value.
Say for example, if your property value is  $450k,  you will only have $50k deposit, and if you have to pay stamp duty,
then your loan amount supposed to $400k, your LVR=$400k/$450*100%=88.89%
Because you require $15k Stamp duty,  then your loan amount will increase from $400k to $415k, then your LVR will increase from 88.89% to 92.22%, which means that your Lender Mortgage Insurance will be more costly.
Thus, as long as you can meet Lender Mortgage Insurance Policy, then you can borrow money from the bank including your stamp duty.

sanrunning · 发表于 2014-5-31 13:07:35

原帖由 Totaro 于 2011-11-9 14:23 发表
那为什么first home buyer都急着赶着要年底前买房？反正可以贷，不用从首付里面出
??? even you loan from bank you still own them 10K+, do you mean you don't care, so can you borrow 10K more, and give it to me?

sammyqiang88 · 发表于 2014-5-31 14:26:28

你好，请问MORTGAGE INSURANCE 是怎么算的呢，谢谢

pengwang · 发表于 2014-5-31 15:47:15

原帖由 sammyqiang88 于 10/11/2011 11:36 发表
你好，请问MORTGAGE INSURANCE 是怎么算的呢，谢谢
每家银行的价钱也不一样，通常是百分比越高，贷款金额越大，那么mortgage insurance就越多。比如NSW房价＄450k，借９０％＄405k，那么MI＝＄6754.19，如果９５％＄427.5k的话，MI就变成＄12493.26了。