海外买家能否在澳洲申请到房屋贷款?

0答案当然是可以!

作为一名在澳大利亚投资房产的海外人士,在贷款申请方面与澳洲当地买家唯一不同的是,你可能需要提供更多的文件。

首先,你必须知道需要提供哪些文件给政府,哪些文件你需要持有,哪些物业你可以购买。

 

在澳大利亚办理贷款:
•非居民不需要来到澳大利亚办理贷款。
•房屋贷款一般被归类为投资贷款,这是因为买家通常无法长期居住。
•大多数的金融机构最多贷款额度为80%,有些可能就贷到70%。
•你需要准备物业印花税、交割费用、建筑和虫害审查,还有贷方费用,例如申请费等。
•外国投资者应在签订买卖合同之前查看外国投资审查委员会(FIRB)的法规。

外国投资贷方:
•许多贷方机构会考虑为外国投资客户投资房产提供贷款。
•每家贷方都有他们自己的借贷标准。
•有些人会借到物业价值的80%。
•你可能可以运用外汇来进行借贷,但是澳币是最普遍的借贷币种。

非居民借方是指谁?
•术语非居民指的是在澳大利亚无永居身份的人。例如,无特定签证的人群。
•你会被要求向外国投资审查委员会(FIRB)提出申请。

你能购买什么物业?
为了鼓励建造更多的新建业务,非居民买家通常受限于购买:
•重建类住宅类地产,且必须在12个月内开始施工。
•空置土地,且不需在12个月内开始施工。
•在建或将建的公寓,联排别墅,别墅等,这些物业之前从未有人居住或转卖。

贷款需要的文件:
•身份文件——带有签名与照片的文件,例如:护照或驾驶执照。
•收入证明。
•存款证明。
•资产证明,包括物业,汽车,股份,基金,家中财物等。
•可证明个人信用的文件:个人贷款,抵押贷款呢,信用卡,租赁负债,物理系借贷,以及其他债务。
我们会提供给你一份材料列表,并在整个过程中帮助你完成投资物业也贷款。



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