关于首期和贷款问题

xiaoying

想问看中一个大约四十八万的apartment ,首付大概要付多少？10% or 20%？和老公每周共约二千块收入，税前，大约能贷多少？收入不多，只能预算50万以下房子，谢谢

stephenqiu

首付若低于20%，需要额外支付mortgage insurance

hewho

http://www.echoice.com.au/mortga ... h_can_i_borrow.html 用这个算一下你们大概能带多少
具体还是要去银行咨询

newaussie

原帖由 xiaoying 于 2012-5-6 18:09 发表
想问看中一个大约四十八万的apartment ,首付大概要付多少？10% or 20%？和老公每周共约二千块收入，税前，大约能贷多少？收入不多，只能预算50万以下房子，谢谢
You can borrow up to 95% of your purchase price (subject to valuation) but you will have to pay lender Mortgage Insurance which will cost you a fortunate.
If you borrow more than 80%, you need to meet all the following criterias:
1.  work for current job more than 12 months history;
2. Only can accept your last two pay slips and calcuate your base pay only;
3. Lender Mortgage Insurance Applies;
4. 5% Genuine Savings applies, you need to provide last 3 months bank statements as proof of 5% of your purchase price;
5. Apartment will subject to be validated if you can borrow more than 80%. Generally speaking, high density apartment Westpac will only lend 80%.

kevinliloan

非到万不得已，不建议交Mortgage Insurance，如果必须交，贷款额度最好别超过银行估价的90%。
[ 本帖最后由 kevinliloan 于 2012-5-7 16:25 编辑 ]