<blockquote rel="jaero">Hi @LittleBoyBlue
igeneralize ko na ung mga pointers na mabibigay ko for new and established para mas open ang topic.
1) At least 5% deposit (may not always be the case).
kung gusto maavoid ang Lenders Mortgage Insurance (LMI), prepare at least 20% deposit.
kung gagamitin for deposit ang First Home Owners Grant - for new properties lang ito
2) Stamp Duty - may or may not be payable depending on the property price at kung new or established
http://stampduty.calculatorsaustralia.com.au/stamp-duty-nsw#.Ubkfffk3DL8
3) Conveyancing Fees
4) Building and Pest Reports - optional. kung new di na siguro kailngan nito
5) Strata Report (unit) - optional
6) Bank Loan Application Fees
7) Monthly Fees - waived for some loan accounts. basahin ang fine print
dito papasok ang offset accounts, redraw facilities, repayment options etc
8) Credit Protection Insurance - optional
9) singit ko na ung post expenses pagkabili bahay
total amount na kailngan ipunin ay naka depende sa total amount ng bahay plus mga fees involve on settlement kaya mahirap magbigay ng fixed or estimated figure ng kailngan ipunin. siguro safe bet is on top of the deposit amount kailngan pa ng at least 5 - 10% for the settlement, govt and bank fees pero di to sure case to case basis pa din talaga..
normally required (may not always be the case) na around 6 - 9 months employed sa current company mo as a permanent employee bago ka payagan magapply ng loan. make sure maganda ang credit rating history mo kung may credit card ka or recurring bills / other loans para siguradong maapprove ang loan
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Thanks for this info sir.. Very helpful as we also planning to buy a house next year, hopefully.. [-O< .. I print this and put in my diary.. 🙂