买自住房贷款贴士

千万不要被买房子的过程所吓到。如果一步步来,整个过程也是可以很轻松快的。从决定要买,到选择适合自己的房贷产品,到存首付、找到自己理想的房子,再到交定金。一步一步,你就可以实现自己的目标了。

物业升值

拥有随着时间升值的资产自然很吸引。尽管长远来说,物业的价格稳步上升,但是也会有势头

疲软甚至贬值的时候。所以买住房最好还是抱着长线投资的态度。

运用物业里的资产

物业中的资产是房子的价值中你拥有的那一部分。假设物业的价格上升了,在你偿还贷款的同

时,你在物业中的资产也会越来越多。这些资产也可以用来投资股票、基金,又或者其他物业。

更多请看 转贷

税务优惠

只要不是将物业没有商业用途或是出租,自住房一般来说是免税的。

资本得利税 Capital Gain Tax (CGT)

卖掉主要住所时免除资本得利税(根据主要住所的免除条款)。

商品及服务税 GST

卖掉主要住所时免除商品及服务税。

土地税 Land Tax

对于主要住所,土地税也是可以免除的。但是只针对自然人,并且免除并不受价格和土地大小

的影响。

首付

购房者也可能合资格领取首次置业津贴或者其他补贴(如减轻印花税和土地税)。在担保人帮

助下,还可以在没有首付的情况下申请到贷款。

自住房还是投资房贷款?

当你申请房屋贷款的时候,你需要跟银行指出你申请的是自住房还是投资房的贷款,他们之间

最大的不同就是利率,譬如你选择浮动利率、固定利率还是建房贷款,利率都不一样。一般来

说投资房贷款利率都会比较高。一些信贷机构的投资方利率并不高,但是这种情况下要仔细查

阅条款。

Why choose us

We can help customers who are working, receiving centerlink, bonus or non-taxable income, and having credit issue. We can help you to buy, build or refinance.

We can provide

  • More Savings

    +

    We offer a huge selection of competitively priced lending products. Sometimes we can and will negotiate further interest rate discounts with the potential lenders on your behalf. The aim is to save your time, money and effort.

  • Free of charge

    +

    We don’t charge you for our services as the lenders pay us a commission when the loan is settled.

  • Convenience

    +

    We are happy to meet you at a time and place that suits you. You can drop into our office or we can come to your home or office. We will be accessible and returning your calls promptly, even outside of business hours.

  • More Choice

    +

    We work with over 30 lenders you know and trust, who offer hundreds of different types of loans. We will take the time to ask you the right questions and then recommend the loan options that are right for you.

  • Easier Process

    +

    After choosing the right loan we will start your application and complete all your paperwork. We will keep you fully updated during valuation, approval and settlement process.

  • Expertise

    +

    We have the experience to deal with a variety of loan purposes and types of borrowers. We can help you no matter you are buying your dream home, purchasing an investment property or looking for a better deal on your existing loan.

  • Tailored & Flexible Solutions

    +

    We understand every borrower has individual needs and goals, which is why we are tailoring each loan to your unique situation. We also make financial solutions more accessible to you with our progressive & flexible approach.

  • Great Service

    +

    We love to have satisfied customers. We are always motivated to find better solutions, better products and better ways to be your trusted lending expert, now and in the future.

为什么选择我们

不论您是上班族还是自雇人士,不论您想要贷款还是转贷,不论您想要买房还是买车, 不论您是有领取社会补助金或是其他收入问题,我们都可以帮您解决

我们可以提供

  • 更多的优惠

    +

    We offer a huge selection of competitively priced lending products. Sometimes we can and will negotiate further interest rate discounts with the potential lenders on your behalf. The aim is to save your time, money and effort.

  • 无额外收费

    +

    We don’t charge you for our services as the lenders pay us a commission when the loan is settled.

  • 方便快捷

    +

    We are happy to meet you at a time and place that suits you. You can drop into our office or we can come to your home or office. We will be accessible and returning your calls promptly, even outside of business hours.

  • 更多选择

    +

    We work with over 30 lenders you know and trust, who offer hundreds of different types of loans. We will take the time to ask you the right questions and then recommend the loan options that are right for you.

  • 更加简单的流程

    +

    After choosing the right loan we will start your application and complete all your paperwork. We will keep you fully updated during valuation, approval and settlement process.

  • 专业高效

    +

    We have the experience to deal with a variety of loan purposes and types of borrowers. We can help you no matter you are buying your dream home, purchasing an investment property or looking for a better deal on your existing loan.

  • 更客制化和灵活的解决方案

    +

    We understand every borrower has individual needs and goals, which is why we are tailoring each loan to your unique situation. We also make financial solutions more accessible to you with our progressive & flexible approach.

  • 卓越的服务

    +

    We love to have satisfied customers. We are always motivated to find better solutions, better products and better ways to be your trusted lending expert, now and in the future.