Your-rights
Planning to buy property









Know what you want and can afford


Make a list of:

















              • your preferred areas










                    • essential features










                          • your wish list of non-essential features.







                        Knowing what you want will help you avoid buying a property that does not meet your needs.







                        Budget before you buy property


                        Carefully assess your financial situation and desired standard of living when deciding how much you can afford to borrow and repay.



                        Take into account:

















                                    • your circumstances and financial commitments










                                          • any future plans; for example, starting a family could mean a drop in income










                                                • other possible changes, such as interest rate rises or unemployment.











                                              Costs


                                              Consider the costs of buying a property, including:

















                                                          • legal and conveyancing fees










                                                                • loan establishment fees



















                                                                            • building and pest inspection fees










                                                                                  • moving costs.







                                                                                Also consider ongoing costs of property ownership, including:

















                                                                                            • insurance (building and contents) if applicable










                                                                                                  • property rates and taxes.











                                                                                                Concessions


                                                                                                Don’t overlook any concessions you may be eligible for, such as:

















                                                                                                            • first home owners grants for buyers of new homes










                                                                                                                  • land transfer duty reduction.







                                                                                                                For more information on the first home owners grant, visit the State Revenue Office website – First home owners section.







                                                                                                                Finance


                                                                                                                When getting a home loan (or mortgage):

















                                                                                                                            • you do not have to take the full amount offered by the lender. Instead, work out the amount you need and feel comfortable borrowing










                                                                                                                                  • use loan simulators to see how the amount borrowed, the loan period and the frequency of repayments affect the time you will need to pay off the debt










                                                                                                                                        • ask questions about fees and charges










                                                                                                                                              • study the fine print on contracts, brochures and printed material










                                                                                                                                                    • be wary of financial advice or referrals from mortgage brokers.







                                                                                                                                                  It is illegal for estate agents to give financial advice.



                                                                                                                                                  You can find budget tools and information about home loans and mortgages on the MoneySmart website – Buying a home page.







                                                                                                                                                  Get informed about the property market


                                                                                                                                                  Learn as much as possible about every aspect of the property buying and selling process, and the products and services offered by:

















                                                                                                                                                              • estate agents










                                                                                                                                                                    • legal practitioners










                                                                                                                                                                          • conveyancers










                                                                                                                                                                                • lenders.







                                                                                                                                                                              Shop around and compare products and services.



                                                                                                                                                                              Research the market value of property in your preferred areas by:

















                                                                                                                                                                                          • searching the internet










                                                                                                                                                                                                • attending auctions










                                                                                                                                                                                                      • speaking with agents










                                                                                                                                                                                                            • reading newspapers for auction results.











                                                                                                                                                                                                          Do not rush into buying property


                                                                                                                                                                                                          Never rush or be pressured into making hasty decisions.



                                                                                                                                                                                                          Make sure you are committing to the right property for you.



                                                                                                                                                                                                          You will feel more confident about your investment if you make an informed decision.







                                                                                                                                                                                                          Due diligence checklist


                                                                                                                                                                                                          From 1 Ocober 2014, all sellers or estate agents acting on their behalf must make a ‘due diligence checklist’ available to prospective buyers at open for inspections. The checklist aims to help buyers identify whether any issues that may affect the property and impose restrictions or obligations on them, if they buy it.



                                                                                                                                                                                                          For more information, view our Due diligence checklist for home buyers page.







                                                                                                                                                                                                          Read property and loan contracts before you sign


                                                                                                                                                                                                          You may come across different types of contracts, including loan contracts and contracts of sale.



                                                                                                                                                                                                          Read and understand the document before you sign. Make sure you understand all terms, conditions and fine print.



                                                                                                                                                                                                          Ask for any verbal agreement in writing, so you know exactly what you are committing to.



                                                                                                                                                                                                          If something is unclear, ask for an explanation. If you are still uncertain, seek independent advice before signing.



                                                                                                                                                                                                          Keep a copy of all documents you have signed.







                                                                                                                                                                                                          Negotiate price and other property matters


                                                                                                                                                                                                          Many terms and conditions with sellers, agents, lenders, legal practitioners and conveyancers are negotiable.







                                                                                                                                                                                                          Consider sustainable property features


                                                                                                                                                                                                          There is a 6-star energy efficiency environmental standard for all new homes, and for renovations, additions and relocations of existing homes.



                                                                                                                                                                                                          New homes must have:

















                                                                                                                                                                                                                      • 6-star energy rating for the building fabric including the roof, walls, floor and windows










                                                                                                                                                                                                                            • 6-star energy rating for fixed lighting but not plug-in appliances










                                                                                                                                                                                                                                  • a rainwater tank for toilet-flushing or a solar hot water system.







                                                                                                                                                                                                                                Renovations, additions and relocations must have a 6-star energy rating for the building fabric, but do not require a rainwater tank or a solar hot water system. If a renovation or addition is more than half the volume of an existing house, the whole building needs to be upgraded to a 6-star standard.



                                                                                                                                                                                                                                For new apartments, the average is a 6-star energy rating for the whole block with a minimum of 5-star for individual apartments.



                                                                                                                                                                                                                                When buying an established home, consider the benefits of sustainable features that can reduce running costs, reduce greenhouse gas emissions and add to the value of a property.



                                                                                                                                                                                                                                For information about the energy efficiency features to look for in a home, visit the Victorian Building Authority website – 6 Star Standard page.








                                                                                                                                                                                                                                Last updated: 23/06/2015






                                                                                                                                                                                                                                打算买楼









                                                                                                                                                                                                                                知道你想要什么,能买得起


                                                                                                                                                                                                                                做一个列表:

















                                                                                                                                                                                                                                            • 您的首选地区










                                                                                                                                                                                                                                                  • 基本特征










                                                                                                                                                                                                                                                        • 非必要的功能您的愿望清单。







                                                                                                                                                                                                                                                      知道你想要什么可以帮助你避免购买不符合您需要的属性。







                                                                                                                                                                                                                                                      预算你买楼前


                                                                                                                                                                                                                                                      仔细评估你的财务状况,决定你能承受多大的借贷和偿还的生活时所需的标准。



                                                                                                                                                                                                                                                      考虑到:

















                                                                                                                                                                                                                                                                  • 您的情况和财务承诺










                                                                                                                                                                                                                                                                        • 任何未来的计划;例如,从一个家庭可能意味着在收入下降










                                                                                                                                                                                                                                                                              • 其他可能的变化,如利率上升或失业。











                                                                                                                                                                                                                                                                            费用


                                                                                                                                                                                                                                                                            考虑购买物业,包括的费用:

















                                                                                                                                                                                                                                                                                        • 法律和物业转易费用










                                                                                                                                                                                                                                                                                              • 贷款建立费










                                                                                                                                                                                                                                                                                                    • 政府收费等职责(以前的印花税) – 获取更多信息,请访问国家税务局办公室(SRO)的网站 – 的税率; GST – 了解更多信息,请访问澳大利亚税务局(ATO)网站 – GST和财产;和消防物业税 – 参观消防处房产征收网站










                                                                                                                                                                                                                                                                                                          • 建设和病虫害检验费










                                                                                                                                                                                                                                                                                                                • 搬迁费用。







                                                                                                                                                                                                                                                                                                              另外还要考虑财产所有权,包括正在进行的费用:

















                                                                                                                                                                                                                                                                                                                          • 保险(建设和内容),如适用










                                                                                                                                                                                                                                                                                                                                • 物业差饷及税项。











                                                                                                                                                                                                                                                                                                                              优惠


                                                                                                                                                                                                                                                                                                                              不要忽视任何让步,你可能有资格获得,如:

















                                                                                                                                                                                                                                                                                                                                          • 首次购房者补助金为买家新房










                                                                                                                                                                                                                                                                                                                                                • 土地转让税削减。







                                                                                                                                                                                                                                                                                                                                              有关首次购房者补助金的更多信息,请访问国家税务局网站 – 首次购房者部分。







                                                                                                                                                                                                                                                                                                                                              金融


                                                                                                                                                                                                                                                                                                                                              当得到一个房屋贷款(或抵押):

















                                                                                                                                                                                                                                                                                                                                                          • 你不必采取由贷款人所提供的全部金额。相反,制定出你需要的金额和感觉舒适的借贷










                                                                                                                                                                                                                                                                                                                                                                • 使用贷款模拟器看到借金额,贷款期限和还款的频率如何影响时间,你将需要还清债务










                                                                                                                                                                                                                                                                                                                                                                      • 询问有关收费问题










                                                                                                                                                                                                                                                                                                                                                                            • 研究合同,说明书和印刷材料印刷精美










                                                                                                                                                                                                                                                                                                                                                                                  • 警惕财务咨询或抵押贷款经纪人的推荐。







                                                                                                                                                                                                                                                                                                                                                                                它是非法的地产代理的金融顾问。



                                                                                                                                                                                                                                                                                                                                                                                你可以找到预算的工具和有关住房贷款和抵押贷款的MoneySmart网站上的信息 – 购买一个主页。







                                                                                                                                                                                                                                                                                                                                                                                获取了解楼市


                                                                                                                                                                                                                                                                                                                                                                                学习尽可能多的有关财产购买和销售过程的每一个环节,并通过所提供的产品和服务:

















                                                                                                                                                                                                                                                                                                                                                                                            • 地产代理










                                                                                                                                                                                                                                                                                                                                                                                                  • 法律工作者










                                                                                                                                                                                                                                                                                                                                                                                                        • 物业转易










                                                                                                                                                                                                                                                                                                                                                                                                              • 贷款人。







                                                                                                                                                                                                                                                                                                                                                                                                            货比三家,比较产品和服务。



                                                                                                                                                                                                                                                                                                                                                                                                            通过研究财产的市场价值在您的首选地区:















                                                                                                                                                                                                                                                                                                                                                                                                                        • 搜索互联网










                                                                                                                                                                                                                                                                                                                                                                                                                              • 参加拍卖会










                                                                                                                                                                                                                                                                                                                                                                                                                                    • 与代理商讲










                                                                                                                                                                                                                                                                                                                                                                                                                                          • 读报拍卖结果。











                                                                                                                                                                                                                                                                                                                                                                                                                                        不要急于购买房产


                                                                                                                                                                                                                                                                                                                                                                                                                                        千万不要急于或者在压力下做出草率的决定。



                                                                                                                                                                                                                                                                                                                                                                                                                                        请确保您提交到合适的物业适合你。



                                                                                                                                                                                                                                                                                                                                                                                                                                        如果你做出明智的决定,你会感到更加自信你的投资。





                                                                                                                                                                                                                                                                                                                                                                                                                                        尽职调查清单




                                                                                                                                                                                                                                                                                                                                                                                                                                        从2014年10月1日,所有卖家或地产代理代表他们必须做一个尽职调查清单“提供给准买家在打开检查。该清单旨在帮助买家识别是否可能影响的财产,并强加给他们限制或义务,如果他们买它的任何问题。



                                                                                                                                                                                                                                                                                                                                                                                                                                        欲了解更多信息,请查看我们的尽职调查清单,购房者页面。







                                                                                                                                                                                                                                                                                                                                                                                                                                        阅读财产和贷款合同签收前




                                                                                                                                                                                                                                                                                                                                                                                                                                        你可能会遇到不同类型的合同,包括贷款合同和销售合同。



                                                                                                                                                                                                                                                                                                                                                                                                                                        阅读和理解该文件签收前。确保你明白所有的条款,条件和小字。



                                                                                                                                                                                                                                                                                                                                                                                                                                        询问任何书面口头协议,所以你确切地知道你是承诺。



                                                                                                                                                                                                                                                                                                                                                                                                                                        如果有任何不明白,要求一个解释。如果你仍然不明朗,签字前征询独立意见。



                                                                                                                                                                                                                                                                                                                                                                                                                                        保持你已经签署的所有文件的副本







                                                                                                                                                                                                                                                                                                                                                                                                                                        协商价格和其他财产事项




                                                                                                                                                                                                                                                                                                                                                                                                                                        许多条款和条件的卖家,代理商,贷款,法律工作者和物业转易面议。





                                                                                                                                                                                                                                                                                                                                                                                                                                        考虑可持续发展性功能




                                                                                                                                                                                                                                                                                                                                                                                                                                        还有所有新家园6星级节能环保标准,并进行整修,补充和现房的搬迁。

                                                                                                                                                                                                                                                                                                                                                                                                                                        新房必须有:















                                                                                                                                                                                                                                                                                                                                                                                                                                                    • 6星能源评级,建筑结构,包括屋顶,墙壁,地板和窗户








                                                                                                                                                                                                                                                                                                                                                                                                                                                          • 6星能源评级为固定式灯具,但没有外挂设备








                                                                                                                                                                                                                                                                                                                                                                                                                                                                • 雨水水箱马桶冲洗或太阳能热水系统。







                                                                                                                                                                                                                                                                                                                                                                                                                                                              整修,添加和重定位必须有一个6星能量等级为建筑织物,但不要求一个雨水箱或太阳能热水系统。如果装修或增加是现有的房子超过一半的体积,整个建筑需要升级到一个6星级标准。



                                                                                                                                                                                                                                                                                                                                                                                                                                                              对于新的公寓,平均是6星能源评级为用最少的5星级个别公寓的整个街区。



                                                                                                                                                                                                                                                                                                                                                                                                                                                              当购买一个建立上门,考虑可持续发展的功能,可以降低运行成本,减少温室气体排放,并添加到一个属性值的好处。



                                                                                                                                                                                                                                                                                                                                                                                                                                                              有关能源效率功能的信息,以寻找一个家,参观维多利亚式建筑事务监督网 – 6星标准页。








                                                                                                                                                                                                                                                                                                                                                                                                                                                              最后更新:23/06/2015