买房前一定要知道的5件事

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买房前一定要知道的5件事

买房作为一门技术活，这对于普通购房者来说，本来就不容易。不管做了多少准备，总有一些方面会被大家忽略。所以，买房前需要了解什么呢？

1.不要有压力

不要因为别人或任何情况令我们感觉有压力，从而导致错误的发生。完美的房子未必符合我们的预算，反而会使我们陷入高额贷款的困境，同时也需要更长时间出售该房。别担心，市场上每天都会有我们更喜欢的新房推出。

2.寻找合适的贷款经纪

我们经常会浪费很多时间去货比三家，但最后得到的却是模棱两可的信息。每个贷款机构有各自的贷款利率，也会有很多的谈判空间。因此我们需要一个经验丰富的贷款经纪来帮我们打造最优质的私人贷款方案。即便是0.5%的利率差距也可以为我们省下不少钱。

3.了解自身支付能力

明白自身财务状况能培养控制支出的良好习惯，同时能帮助我们更容易了解自身偿还能力和申请贷款。通过分析我们的收入、消费习惯、账单和房贷金额，我们更容易获得贷款审批。

4.简易文件贷款

一般来说，普通贷款申请需要我们提交各种文件证明，例如工资单、银行流水、报税证明等。但如果是只有少量文件的自雇人士呢？简易文件或替代文件贷款产品，相对普通贷款，需要更少文件，更容易获得审批，是我们更好的选择。

5.选择合适的还贷方案

还贷方案取决于贷款金额，而最高贷款金额一般低于贷款价值比率（LVR）或者所要购买房产价值的95%。通常，高利率贷款产品会提供一定的灵活性、提取还款或对冲等服务；低利率贷款产品要求较少每月还贷，但可能存在隐藏费用。贷款产品种类繁多，例如固定利率、只还利息或者本息同还等，我们可按需选择。

有关于房地产或房屋贷款的问题需要解决？现在就可以拨打AFCG热线 03 9621 1450 联系我们的贷款咨询师，或者访问AFCG官网（http://www.ausfinancecg.com.au）寻求更多资讯吧！

5 Things I Wish I Knew BeforeBuying a Home

The process of buying a house can bepainful and tedious. Even after tons of research, there are things that you may just miss or not anticipate. Here are some things you should know before buying a property.  

1.Don't get pressured.

Don't let anyone or any circumstance pressure you into making what could be a huge mistake. The house may be perfect but if it doesn't fit into your budget, you'll have a hard time making those mortgage repayments and it may take a long time to sell if you wanted to. There'll always be new houses on the market that you may like even more than the previous.

2.Get a mortgage broker.

Working out what is on offer from each institution can be extremely time consuming and confusing. Different lenders will have different interest rates and there are many areas that can be negotiated with the lender because they have access to numerous products and lenders, a broker will source the best rates for you, manage the application process and provide tailored advice along the way. Even a small difference of 0.5% can save you a lot of money over the life of your loan.

3.Know your affordability.

Knowing your finances gives you a sense of control on spending and helps in your loan application as well as repayment capability. Look into your income, spending habits, bills, and mortgage amount. You need to know what you're comfortable paying which may be a lot lower than what the banks are happy to loan you.

4.You don't need to have all the documents ready

For most traditional loans, you will be required to provide a list of documents such as PAYG payslips, financial statements or tax returns in order to apply. But what if you are self-employed and don't have much information to tick off the traditional documentation checklist or is unable to prove your income through traditional means? In this case, Lite Documentation (Low Doc) home loans is the best option for you. They are specialized mortgage program that allows homebuyers to qualify by using non-traditional documents and assets.

5.Choose a repayment scheme suited to your situation.

It depends on the amount you borrow, which should be below the maximum loan-to-value ratio (LVR) or 95% of the total purchase price. A higher interest rate might offer some flexibility or redraw and offset facilities; and a lower rate, some hidden costs. The schemes vary. It can be a fixed rate, interest-only, or principal and interest. Choose which is best suited to your circumstances.

Looking to buy a new house or need help with finance? Call 03 9621 1450 and speak to one of our advisers today or visit www.ausfinancecg.com.au.