【澳洲置業】300萬上車盤不是夢！澳洲置業投資Step by Step教學！
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香港樓價貴絕全球，部分準買家沒有充足的資金作首期，市場上可選擇的單位自然較少。如果有興趣在澳洲置業，你會發現澳洲的入市門檻較低，300萬上車盤不是夢！無論是作為物業投資工具，還是自住或放租，澳洲上車盤首期均比香港低得多。如果你是非澳洲永久居民或公民，便需要留意當地置業的程序及手續，閱讀以下的澳洲置業投資Step by Step教學！
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Step 1：了解清楚置業目標
在入手澳洲物業之前，必須先了解清楚置業目標。如果購入澳洲物業是作自住用途，可以按照自己的需要選擇理想的物業類型。不過，若物業是用作投資或放租，則需要考慮物業的升值潛力，或者租賃市場的興旺程度而作出選擇。
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Step 3：聘請律師查問置業的程序及代辦各項手續
對於在澳洲首次置業的人士，最好有律師在旁提供法律意見，查問澳洲買樓的程序及代辦各項手續。澳洲政府規定，外國人在當地買樓前，必須獲得外國投資審查委員會（Foreign Investment Review Board）的審批通知書。而且，購置澳洲物業涉及有多項費用，包括印花稅（stamp duty）、商品及服務稅（goods and services tax）等。若不熟悉上述的買樓程序，可以交由律師代辦，以防遺忘申請買樓審批通知書及繳交買樓相關費用。
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Step 4：支付首期及申請按揭
簽訂樓盤買賣合約後，海外買家便需要支付首期，而澳洲置業首期一般都是一成。買家可以向香港的銀行申請按揭，按揭供款利息會比澳洲低一點，但申請人需要申報是否持有其他物業。如果持有其他物業，香港的銀行只會批出最高六成按揭。若買家計劃向澳洲當地銀行進行按揭，需要準備的文件比在香港申請按揭更簡單，包括最近三個月內的有效入息證明及護照副本，而且最高可批核高達八成的按揭。另外，澳洲的按揭頭五年可以只還利息，不用還本金。所以，對於單位用作投資或出租的準業主來說，澳洲銀行的按揭計劃會更靈活，非常適合他們。
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Step 5：收樓
支付首期及待樓宇發展商完成所有工程後，便可以進入最後階段 — 收樓。買家收樓時要仔細檢查單位，注意驗樓事項，千萬不要因為是一手樓便掉以輕心。買家除了親身收樓外，亦可以交予授權人代為收樓。
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相信閱讀上文後，都會對外國人在澳洲買樓的步驟相當了解。不過，在澳洲買樓需要熟悉當地法律，加上自身未必能前往澳洲處理買樓手續。昌美擁有超過22年豐富澳洲房地產經驗，成功幫助多名客戶在澳洲置業。立即聯絡我們，為你的澳洲置業目標踏出重要一步。
Hong Kong property prices are the most expensive in the world. Some prospective buyers do not have sufficient funds for a down payment, so there are naturally fewer units to choose from on the market. If you are interested in buying a property in Australia, you will find that the entry threshold in Australia is low, and buying a car for 3 million is not a dream!
Whether it is used as a property investment tool, for self-occupation or for rent, the down payment for a property in Australia is much lower than that in Hong Kong. If you are a non-Australian permanent resident or citizen, you need to pay attention to the local procedures and procedures for buying real estate. Read the following step by step tutorial on real estate investment in Australia!
Step 1: Understand your home buying goals clearly
Before buying property in Australia, you must first understand your home buying goals. If you purchase an Australian property for your own use, you can choose the ideal property type according to your own needs. However, if the property is used for investment or rental, you need to consider the appreciation potential of the property or the prosperity of the rental market before making your choice.
Step 2: Find your favorite real estate area
Once you have a clear understanding of your home buying goals, you can then look for your favorite real estate area. Whether the unit is used for self-occupation, investment or rental, areas with mature development, complete supporting facilities and complete transportation network are your first choice. Taking Brisbane as an example, Sunnybank, Chermside and Toowong are mature areas with complete shopping, leisure and transportation facilities, and are close to the University of Queensland, a famous Australian university.
Therefore, the rental market in these three areas is quite booming, and they are also quite suitable for self-occupation, investment or renting. However, it is worth noting that the Australian government stipulates that foreigners can only buy new first-hand properties, and there is no limit on the number of units.