First Home Buyer: Can You Buy Your First Home With 5% Deposit

First Home Buyer: Can You Buy Your First Home With 5% Deposit. Mortgage Question Big Or Small Deposit When Buying A Property?

First Home Buyer: Can You Buy Your First Home With 5% Deposit video duration 9 Minute(s) 46 Second(s), published by Mortgage Corp on 11 04 2018 - 10:53:06.

Can you buy your first home with 5% deposit, First Home Buyer? 首次购房5%首付,够吗？ Neil Carstairs from Mortgage Corp (墨城信贷), your mortgage property A $500m Coalition election pledge is offering first home buyers the chance to put down a 5% deposit without having to shell out thousands in lenders mortgage .

5 Deposit Mortgages - when people ask about these, they're talking about 95% mortgages
with a 5% deposit
Do 5 Deposit Mortgages or, to be accurate, 95% Can you buy your first home with 5% deposit, First Home Buyer? 首次购房5%首付,够吗？ Neil Carstairs from Mortgage Corp (墨城信贷), your mortgage property Welcome to Mortgage Broker TV and be sure to SUBSCRIBE: http://bit.ly/followbenparry to learn more about the latest mortgage deals and learn some insider .

Can you buy your first home with 5% deposit, First Home Buyer?

首次购房5%首付,够吗？

Neil Carstairs from Mortgage Corp (墨城信贷), your mortgage property investment specialists投资贷款专家.

Today I’m going to give you a bit of an overview as a first home buyer
今天，我会谈谈，作为首次购房者

what you need to do for your first home.
购房时需要做的事情

We’re going to give you a scenario on what we’re seeing as the average first home buyer in Melbourne eastern suburbs for 2018.

这个例子就以2018 年墨尔本东区平均首次购房者碰到的普遍问题来展开

the average price that we’re seeing a lot of at the moment is around the $650,000 mark.
目前平均首房价在$65万左右

Not that you can buy a lot for 650 grand, but it’s a good starting point.
$65万可能没有很多好房子可供选择，不过首房还是可以了
We recently had a client who rang up and said, “I want to buy a property for 650,000 and I’ve got 5% deposit, I’ve put an offer on a property subject to finance.”
最近一个首次购房者客户就是这样的情况，他跟我们打电话说：“我看中了一个$65万的房子，我有5%的首付，交了定金，包括了’subject to finance’条款。”
You ripper!
太棒了！
If you hadn’t, I think we would be a little bit stressed out, but in this scenario he was under the impression that at 5%, he had $32,500 in the bank and he was ready to rumble
如果你没有加“subject to finance”条款，我们压力可能会比较大。但是这位客户以为他有3万2千5百澳币银行存款，就是 5%的首付，
Unfortunately, what a lot of people don’t know is that there’s a lot of factors that come into play when buying a property.
不幸的是，很多人没有意识到买房还需要考虑很多其他的事情

#1, we will sit down with our clients, we will guide you through the process.
首先，我们会跟客户讲清楚贷款的整个流程

There are other people you need to talk to in that process,
需要跟哪些人打交道

A solicitor, or a conveyancer.
律师或者是过户律师

in this scenario, a solicitor or a conveyancer between would generally cost you $500 and $1000.
像例子中$65万的房子，过户律师一般收费在$500到$1000左右
You’re going to hear that a lot. Some are 800, some are 750, plus disbursements.
有的$800，有的$750，还有杂费

What you don’t understand is that in this particular property purchase in Victoria as a first home buyer, you’ve got stamp duty charges which are around about $13,000.
维洲首次购房者$65万以上的房子还要交$1.3万的印花税
That includes mortgage registration, title registration fees,
涵盖了贷款登记、房产登记费用
it doesn’t include your conveyancer or lawyer
但不包括过户律师费
we call them, solicitors or lawyers, which is usually $1000.
我们总结律师费，一般$1000左右
Then on top of that, you’ve got disbursements.
还有杂费

Disbursements are things like bank cheque fees, then you’ve got adjustments which is things, like, where you’ve purchased this particular house and the owner has paid his rates already, you have to reimburse him or her for some rates because you are now going to be occupying that property from a certain date.

律师杂费包括银行支票费，还有比如卖方提前支付的市政费，你需要根据过户日期把你该交的那部分市政费补给卖方。

So they do all these adjustments and settlements so always account for around about $2,500 plus or minus.
过户时律师会计算这些杂费，所以最好额外准备$2500左右。

That should generally cover you off in most scenarios.
那应该是大多购房中的费用

So already in this scenario, this particular client thought he had 32,500,

在这个例子中，我们这位客户以为他有$32,500的存款

he could buy a property worth 650,
就可以买$65万的房子

didn’t realise obviously that the stamp duty kicks in,
但却没有意识到要交印花税
that there was mortgage registration, land transfer fees, plus legal costs of another 2,500.
还有贷款登记、土地转让及律师费，一共约$2500

We’re already at, what, 45,500, 47, $48,000.
这样下来，已经需要$4.55万，$4.7万，$4.8万

That is a long way away from where our client had $32,000 in the bank.

这比我们客户准备的$3.2万存款已经超出很多了。

in this scenario, including lender’s mortgage insurance.
比如这个例子里，还包括贷款保险
So loans over 80%, there’s a mortgage insurance premium, and it scales up, the more you borrow, it scales up, the higher the percentage you borrow against the property.
借款80%以上就要付贷款保险，借的越多，贷款保险费越高，是根据借款百分比例而定

to give you an idea, the LMI in this scenario that we did for our client required him to have a total amount of $53,000 plus,
比如，这个$65万房子，包括贷款保险，客户需要$5.3万左右首付

in this scenario, his LMI charges were $25,800 plus or minus.
贷款保险在$2.58万左右

as a first home buyer, getting as much information as you can is really important
作为首次购房者，尽可能了解更多的信息至关重要

at Mortgage Corp, we specialise in making sure our clients understand the process and what goes on into buying your first home.
在Mortgage Corp, 我们特别注重向客户介绍购房的整个程序及首次购房的方方面面，这样，你可以全面平衡后做个好决定

I’ve written a lot of articles on our website, www.mortgagecorp.com.au
我还写了很多相关文章，详情请登陆公司网站， www.mortgagecorp.com.au/chinese-mortgage-broker
I look forward to speaking with you soon.
期待你来电 1300 138 943 咨询.