移民澳洲買樓置業全攻略

將要移民澳洲嘅朋友,好多都有買樓嘅需要
咁究竟喺澳洲買樓置業,喺做按揭房貸方面有啲咩要注意呢?成個流程又係點嘅呢?
可以睇我Youtube了解更多: 移民澳洲買樓置業全攻略 ︳ https://youtu.be/bdGWVAGmCDg

  • 借貸(房貸)

-澳洲的四大銀行歡迎 澳洲永久性居民及本地工作者 進行借貸

同時亦歡迎

Temporary Resident (澳洲臨時居民) Expats(在港工作的澳洲永久性居民)

如果香港經營生意收入未達標的話

可能第二、三層的銀行,私人銀行可以較幫助獲得房貸

 

  • 按揭顧問點樣幫到你

按揭顧問的角色是客户及銀行之間的橋樑

了解客戶實際情況後幫助選擇銀行

本地客户常見問題是時間不足夠或者不達標信用收入出現問題

按揭顧問作用是:

  1. 了解客戶情況 – 找到合適的貸款方案給客戶
  2. 幫助你節省時間 – 先幫助客戶比較各銀行及與銀行溝通
  3. 有些銀行未必做到或不會直接與客戶接洽
  4. 按揭顧問經較驗豐富

 

  • 在澳洲供樓按揭年期及利

澳洲有標準浮動利率(Standard variable rate)

大部分的indication是跟著央行的Cash Rate
客戶大部分能選擇的是1-5年、或什至 10的固定年期

 

  • 港人移民澳洲買樓置業所須文

– 一般僱員:

  1. 6個月的入息証明、存款証明
  2. 僱傭合約 :包括工作年期、職位、公司台頭等

– 自己做生意的:

  1. 兩年的報稅表、個人報稅表,公司及個人的存款証明

 

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理財小知識

世界上第一間家族辦公室是?

世界上第一個家族辦公室的起源可以追溯到19世紀。第一個已知的家族辦公室是由約翰·雅各·阿斯特創立的,他是19世紀美國最富有的人之一。他創立了一個家族辦公室來管理他的巨額財富,主要來自房地產、毛皮貿易和其他商業投資。阿斯特家族辦公室負責管理他的投資、付帳單、提供稅務和法律服務。

The origins of the first family office can be traced back to the 19th century. The first known family office was established by John Jacob Astor, who was one of the wealthiest men in America during the 1800s. He created a family office to manage his vast fortune, which was primarily derived from real estate, fur trading, and other business ventures. The Astor family office was responsible for managing his investments, paying bills, and providing tax and legal services.

However, it is also important to note that many wealthy families in the past would have had their own version of a family office, even if it wasn’t called that or had the same structure as a modern family office. The concept of a dedicated organization to manage the wealth and assets of a wealthy family has been around for centuries, and each family’s version would have been unique to their needs and circumstances.