查看完整版本: NSW买房的基本步骤!

spirit1 4-5-2004 20:10

NSW买房的基本步骤!

偶尔翻翻自己在TAFE的作业,发现自己一篇关于买房步骤的PRESENTATION还在,正巧老大卫也要偶写房产东东,偶就不怕现丑拿出来啦.偶英文不好,所以文章用词很简单,应该能够适应决大部分筒子的需要!语法有错误请大家包涵着点. 
 
The whole procedure of Buying a property 
1. You want to buy a house, What should you do first? 
If you want to buy your own home, the first thing you should do is to have your home loan approved. From that, you can know your ability to afford which price property you can buy. 
2. Using a financial broker or home loan provide? 
A financial broker: 
1) Save your time 
2) Save your money 
But 
Sometimes recommend a mortgage isn’t suitable for you. 
Why? 
Because they receive their commission from the home loan provider. 
 
What should you do? 
Ask them questions such as: 
1) How many credit providers and products to you assess? 
2) Which credit providers do you have on your list of lenders? 
3) How do you get paid? 
4) Does the commission you receive vary between mortgage providers? 
In most cases, they will arrange to come to your home to talk with you.” 
A home loan provider: 
1) Good fame. 
2) No risk on application 
But 
1) No more products to choose from one provider 
2) Spend more time 
Note: the approval home loan will be expired after 6 month if you don’t buy a property. 
2. Shopping around 
1) Location 
2) Situation 
3) Dimension 
4) Age of the building 
5) Restriction 
6) Renovation 
7) Price 
8) Zoning 
 
 
3. Make an offer 
1) Make an offer seriously 
2) Holding deposit 
A. Holding deposit proves to the owner that your offer is serious. 
B. The agent has no obligation to sell the property and the buyer have no obligation to buy the property. 
C. The holding deposit will be refunded if the buyer don’t end up entering into a contract to buy the property. 
 
 
4. Find a solicitor or acting as yourself 
1) You can do you own conveyancing by law 
But 
If you make mistake, you can't get the same insurance available to a licensed conveyancer or solicitor. This means that you should be responsible for the mistake and there’s nowhere you can go for financial compensation. 
For example: 
Your solicitor or conveyancer may fail to make sure the vendor has disclosed everything they are legally required to, such as an order to demolish the place. If you suffer loss as a result of this negligence you may be able to take action against them. 
2) Duties of the solicitor: 
Examining contract of sale 
Arranging building and pest inspections 
Examining a strata inspection report if the property is part of a strata scheme 
Arranging finance if necessary 
Exchanging the contract of sale and paying the deposit 
Arranging payment of stamp duties 
Preparing and examining the mortgage agreement 
Checking if there are outstanding arrears or land tax obligations 
Finding out if any government authority has an interest in the land or if any planned development could affect the property (eg. local council, Sydney Water, Roads and Traffic Authority) 
Finding out any information that may not have been previously disclosed such as a fence dispute or illegal building work 
Calculating adjustments for council and water rates for the property settlement 
Completing any final checks prior to settlement 
Attending settlement 
Arranging payment of stamp duties 
Overseeing the change of title with the Land and Property Information NSW.” 
Conclusion: Although a solicitor is not a must for handling the contract, you ‘d better have one to avoid the juristic risk. 
5. Exchange contract 1) An important point. Until you exchange contracts, you don't successfully buy the property. The owner can change their mind at any time. Please pay more attention to this point. 2) Exchange contract by agent or by solicitor A. You can exchange contract in Agency as long as both parties expressly authorise the agent to do so. Why exchange contract in Agency? When there are more buyers looking for homes than there are properties on the market, you may want to organise a quick contract exchange. This way you can reduce the possibility of someone beating your offer. So Exchange contract by agent is a good idea to save your time to buy the property. 
B. Exchange contract by solicitor 
You can get legal advice from your solicitor and avoid risk to buy the property. 
3) Cooling off period 
A. You buy a property in NSW there is a five business-day cooling-off period after you exchange contracts. During this period you have the option to get out of the contract as long as you give written notice. The cooling-off period starts as soon as you exchange and ends at 5pm on the fifth business day. 
B. When A cooling-off period does not apply if you buy a property at auction or exchange contracts on the same day as the auction after it is passed in. 
C. You can waive the cooling-off period by giving the owner a '66W certificate'. This is a certificate that complies with Section 66W of the Conveyancing Act 1919 
D. If you use your cooling-off rights and withdraw from the contract during the five business-day period, you will have to pay the seller 0.25% of the purchase price. This works out to be $250 for every $100,000. 
 
4) What does the contract include? 
Details of the seller's agent: our Agency, C & Y Real Estate. 
Seller’s name, say Vendor, Peter Kwok & Joanne Kwok. Both of them must sign this contract if they agree to sell this house. 
The title. Government guaranteed this property’s owner is legal owner. 
Item included and excluded from the sale. Such as: built-in wardrobes, clothed line, fixed floor coverings, light fittings, range hood, stove.” Said the solicitor. 
The price, no doubt, how much do you want to buy this house 
The date you exchange the contracts. 
The completion date is 42nd days. So after 6 weeks you can settle. 
Title search certificate includes the land, the owner’s name, and the mortgage. 
149 Certificate the local council plan. 
A plan that shows the sewer lines 
Special Conditions: if you pay money late, normally you should pay the rate of seven percent per annum penalty. An assurance that you have been introduced to the property by the real estate agent named in the contract. And Cooling off Period.” 
6. Building inspection report and pest inspection report 
1) know in advance what the problems 
2) get specialist advice about any major problems 
3) know how they will affect the property over time. 
4) If you know the problem of the house is very serious, the only loss of you is no more than $2000. However, if you want to stint money, you probably lose more money in the future. 
7. Final inspection 
You should do it because if anything changes with the property you can claim the loss and postpone the settlement. 
8. Settlement 
Settlement is one of the most exciting experiences. Enjoy it. 
 
 
<img src="../leadbbsfile/UBBicon/em05.GIF" align=absmiddle border=0><img src="../leadbbsfile/UBBicon/em05.GIF" align=absmiddle border=0><img src="../leadbbsfile/UBBicon/em05.GIF" align=absmiddle border=0> 
偶已经完成2篇作业了,看来可以休息一段时间啦!!<img src="../leadbbsfile/UBBicon/em34.GIF" align=absmiddle border=0><img src="../leadbbsfile/UBBicon/em34.GIF" align=absmiddle border=0><img src="../leadbbsfile/UBBicon/em02.GIF" align=absmiddle border=0><img src="../leadbbsfile/UBBicon/em02.GIF" align=absmiddle border=0>

老大卫 4-5-2004 20:38

re:写得很好，英语非常流利，看来这一阵子没有...

写得很好，英语非常流利，看来这一阵子没有光顾钓鱼。。。表扬！

涛声依旧 4-5-2004 23:22

re:楼主很爱钓鱼吗？看来真是有产阶级呀。有机...

楼主很爱钓鱼吗？看来真是有产阶级呀。有机会一起钓？教教我，我是新手。

JACK 5-5-2004 07:29

re:Useful for first hom...

Useful for first home buyer. 
but it is not time to rest yet (noticed my title? hiahia), look forward to further elaboration on topic 2.

安州人 5-5-2004 21:18

re:谢谢分享！

谢谢分享！

FRED 6-5-2004 14:58

re:不错啊，谢谢楼主。买房对于我来说还是...

不错啊，谢谢楼主。 
买房对于我来说还是比较遥远的梦想啊。

spirit1 8-5-2004 17:23

re:要有信心,买房并不遥远!在澳洲有份像样的...

要有信心,买房并不遥远!在澳洲有份像样的工作就可以实现!!

JACK 19-8-2004 08:31

re:Up for first home bu...

Up for first home buyers.

toSydney 19-8-2004 08:51

re:Very informative. A...

Very informative. Archived.

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查看完整版本: NSW买房的基本步骤!

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