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澳洲买房贷款的流程是什么？？

澳洲买房贷款的流程是什么？？

浏览：40次 | 提问时间： 07-01 04:34

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森爱深爱 07-01 04:35

你好海外人士购买房产需要通过海外人士置业申请，即FIRB。在澳洲买房的购房流程：选房―预付定金―签约―贷款预批―房产交割―还款鉴于澳洲完善的法律保障制度，您可以在国内购买澳洲房产只要选择好的代理商就可以了。

挽手 07-01 04:43

澳洲政府一向把房地产业作为主要的支柱产业大力扶持，采取多项措施支持其发展，企业界尤其是金融界也采取了相应的举措。其中一项重要的政策就是鼓励海外人士买入澳洲房产，作为其个人投资组合的一部分，共同打造了一个对全世界开放的个人房地产投资市场。那末作为海外人士，甚至从未来过澳洲的人士，都可以享受到那些支持呢？首先是在买房时可以享受到和澳洲本地居民买投资房同样的政策，即国民待遇。唯一需要多办的一个手续就是须经澳洲海外投资局(firb)的批准，只要买房人不是澳洲政府认为有损国家利益的人士，所买房产不是澳洲历史文化遗产名单上禁止出售的历史物业，通常都会在30天左右批准。除此以外，对海外人士没有其他特殊限制，在哪儿买，买什么，买几套都可以自由选择。其次，澳洲银行对海外客户同样是积极支持，客人只需要提供简单的文件，如护照、驾照复印件，收入证明信，买房合同首页就可批出房价70%的澳洲贷款买房，有些项目、有些客户更可批出高达80%的澳洲贷款买房。而且利率和产品功能和澳洲本地客户完全一样。第三，澳洲发达的金融业令海外投资人如虎添翼，有些支持甚至在其自己国家都不能享受到。如允许客户在前五年内只付利息，本金可以暂时不付，使贷款投资的客户轻松实现“以房养房”；房子升值后，不必卖房，只需简单地做个再评估，就可以把增值的部分兑现，把“死钱变成活钱”，实现滚动投资。

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