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Experience in Buying a House

245

Comments

  • NadineNadine Brisbane
    Posts: 481Member
    Joined: Dec 15, 2012
    edited June 2013
    Oh wow, paid off mortgage in 3yrs??? Ano trabaho niya, hehe. :D

    Eto talaga ang mahirap sa Oz. Everything is mahal. But even with the very high taxes we're paying, it's nowhere as expensive as rental. Sakit sa bulsa everytime nagbabayad ng rent.

    By the way guys, I'm not sure about the 400k house. Etong kaibigan ko, 1-BR condo unit ay $350k na eh. Cheapest na nga daw to na new unit. She just signed off her life 2 weeks ago, sabi niya. Yung pinoy couple got the 4-BR house years ago nasa 600k na almost. But this is QLD. I'm sure mas mahal yata Perth or Sydney. Yung pinoy couple nakakuha ng FHOG. Pero yung friend ko, hindi na daw eligible yung property niya for FHOG. May bago na daw rules.

    Iniisip ko tuloy, it would take me ages para maipon ang 20% downpayment, ng maiwasan sana ang mortgage insurance.
    http://www.homeloanexperts.com.au/lenders-mortgage-insurance/lmi-premium-rates/


    Almost 50% downpayment sa 700k house... Then he got married and wife also had a job.. House paid off in. 3 years. Debt free in 3 yrs is amazing:)


    It depends on lifestyle how good one can save... Kung anu ang priorities. If single, on average income of 65-75K i think it will take 5-6 years to come up with 20% downpayment factor in leisure also. Pero if nasa 100k salary range nadine..i think it can be cut in half to come up with 20% pero dapat din mindful spending.. Like opt for flatting rather than getting a place of your own. Rent is killer talaga in au. Grabeh mahal ng rental dito. Kumakain talaga ng huge percentage of the take home pay.

    21 Dec 2012 - 457 lodged
    7 Jan 2013 - medical finalised
    8 Jan 2013 - visa approved

  • JCsantosJCsantos Sydney
    Posts: 1,416Member, Moderator
    Joined: Jan 11, 2011
    Bast marunong ka maghanap makakakita ka pa ng ideal and budget home mo. , we got a less than 400k on our 3 BR duplex ... best buy .. yun nga lang malayo sa CBD almost an hour ang biyahe sa train

    Google for Everything !!!

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    Bast marunong ka maghanap makakakita ka pa ng ideal and budget home mo. , we got a less than 400k on our 3 BR duplex ... best buy .. yun nga lang malayo sa CBD almost an hour ang biyahe sa train
    saan to boss, Sydney I reckon?

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • johnandjoshjohnandjosh Brisbane
    Posts: 107Member
    Joined: Sep 21, 2012
    Yung $400K na bahay, 3 bedroom, 2 bath at double garage na yun dito sa Qld. Maganda na rain ito at kumpleto na. Yung S600K, siguro 2 storey house na ito. I am not sure about the costs in Sydney and Melbourne. It's true na the closer to the CBD the higher the cost. But wala na rin siguro masyado available lots na malapit sa CBD kaya the way to go e dun sa medyo malayong suburbs na. To give you idea, once completed na ang house, we will be paying around $450 per week. Not bad for a 4 bed, 2 bath and double garage. The location is about 15 minutes drive to CBD.

  • JCsantosJCsantos Sydney
    Posts: 1,416Member, Moderator
    Joined: Jan 11, 2011
    Bast marunong ka maghanap makakakita ka pa ng ideal and budget home mo. , we got a less than 400k on our 3 BR duplex ... best buy .. yun nga lang malayo sa CBD almost an hour ang biyahe sa train
    saan to boss, Sydney I reckon?
    yup NSW

    Google for Everything !!!

  • jengratajengrata Sydney
    Posts: 527Member
    Joined: May 15, 2013
    Sharing my friends case. 2years pa lang sila sa Au nakabili na sila ng house sa melbourne. If im not mistaken more or less 400K. 2storey house. 2BR. Brand new. Naka-avail sila ng FHOG. 10% ang DP nila kaya may LMI. They are both working as an IT. No kids yet. I believe matipid sila thats why madali sila nakapagsave ng DP. Sabi nya doable naman daw basta nagset ka ng goal and nasusunod mo yung target savings mo. They also have 2 cars on top of that. Bilib nga ako eh!

    ANZSCO code 263111: Computer Network and System Engineer
    April 11, 2013 - lodge 189 visa - 75pts
    April 19, 2013 - CO allocated, Brisbane Team33
    May 6, 2013 - Medical submitted by SATA
    May 15, 2013 - uploaded NBI, SG PCC and Form 80
    June 19, 2013 - Visa Granted. Thank you Lord!
    September 2013 - Hubby got a Job (while we are still in SG)
    October 2013 - Flight to Brisbane

  • li_i_renli_i_ren North Ryde
    Posts: 434Member
    Joined: Oct 13, 2012
    edited June 2013
    @jengrata yup doable specially ibang i.t. professionals here in au nasa 70-90k annually kaya.. What if 2 pa sila?! Specially basta d lng nsw talagang madli maging home owner!! Hehehe!
    But also bear in mind.. Very doable toh kasi 20 years to pay naman. Kaya yan:)
  • JCsantosJCsantos Sydney
    Posts: 1,416Member, Moderator
    Joined: Jan 11, 2011

    But also bear in mind.. Very doable toh kasi 20 years to pay naman. Kaya yan:)
    30 years sa St. George / CBA if my memory serves me right ....

    Google for Everything !!!

  • li_i_renli_i_ren North Ryde
    Posts: 434Member
    Joined: Oct 13, 2012
    @JCsantos see grabeh doable? Pero if u can cut down the number of years.. You can save more on interest. Also i dont want to be still paying mortgage when im 60-70 yrs old. The shorter time na ma mabayaran ang loan mas better:) so if u can do it in 10-20 years..better para yung 10 yrs out of 30 savings na for retirement.

    In my 50s-70s i want to enjoy na and who can say we are healthy enough at that time to keep working? May cleaner kami pinay been here 20 plus yrs still paying off their mortgage..triple job si ate and hubby full time. But saying that yung property nila grabeh ang lapit sa cbd..townhouse in sydney. 20 odd years ago mura lng bili nila of that property kaya lng blue collar work sila so medyo mahirap to pay it off compared if professionals. They are a bit old na din nearing 60s.. I said to them yung property nila they bought mga 300-400k ages ago dahil sa location nasa 1 million almost aud na. Why not sell it? Downsize...pay off the mortgage and make a profit?

    Pero d pa daw pwdi kasi yung work nila very near sa house nila.. So maybe when they retire they will consider it na. Waiting for pension/super pa... Ok yun kasi in the end the property is an investment kasi it will make a profit but mahirap din kasi sa sobrang taas ng time to pay it off, they have been literally working their ass off just for the mortgage.

    Sabi ko naman...if kaya naman why not? Imagine cleaner/aid and driver in au may bahay na worth 1 million if they sell it off.. Good location is the key. If uwi sila sa pinas kahit maging 100 plus years old pa sila d nila ma ubos yun!
  • JCsantosJCsantos Sydney
    Posts: 1,416Member, Moderator
    Joined: Jan 11, 2011
    edited June 2013

    Sabi ko naman...if kaya naman why not? Imagine cleaner/aid and driver in au may bahay na worth 1 million if they sell it off.. Good location is the key. If uwi sila sa pinas kahit maging 100 plus years old pa sila d nila ma ubos yun!
    Hehehe I heard a similar story yup .. they can sell it for a Million spend the half on buying a property in the west and still enjoy the fruits of their labor ... whew iba iba talaga mind set ng tao ... kami we want to pay off our loan on the next 10 years then maybe retire after then

    Google for Everything !!!

  • kremitzkremitz North Ryde
    Posts: 1,074Member
    Joined: Apr 17, 2013
    @JCsantos both working po ba kayo?how many years na kamo sa oz?

    Occupation: Software Engineer (ANZSCO Code 261313)
    Main applicant : Husband
    April 29, 2013 : ACS Skills assessment
    July 22, 2013 : ACS assessment result
    January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
    January 12, 2013: Lodged EOI (65points)
    January 13, 2013: Invited to apply for visa 189
    February 9, 2014: Lodged visa
    March 1, 2014: Medicals at NHSI
    March 6: email from CO requesting form 80 and hubby's NBI Clearance
    March 25, 2014: visa grant. Thank you lord
    June 8,2014: Hubby arrived in Sydney
    Sept 11,2014: Hubby's first day of work. Thank you Lord!
    Feb 7, 2015 : Baby and I arrived in Sydney
    April 13, 2015: My first day of work :)

  • JCsantosJCsantos Sydney
    Posts: 1,416Member, Moderator
    Joined: Jan 11, 2011
    @JCsantos both working po ba kayo?how many years na kamo sa oz?

    Yes ... 6 years na kami dito

    Google for Everything !!!

  • kremitzkremitz North Ryde
    Posts: 1,074Member
    Joined: Apr 17, 2013
    Oh i see. Baka mas matatagalan kumuha ng house pag isa lang ang working noh?thanks po

    Occupation: Software Engineer (ANZSCO Code 261313)
    Main applicant : Husband
    April 29, 2013 : ACS Skills assessment
    July 22, 2013 : ACS assessment result
    January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
    January 12, 2013: Lodged EOI (65points)
    January 13, 2013: Invited to apply for visa 189
    February 9, 2014: Lodged visa
    March 1, 2014: Medicals at NHSI
    March 6: email from CO requesting form 80 and hubby's NBI Clearance
    March 25, 2014: visa grant. Thank you lord
    June 8,2014: Hubby arrived in Sydney
    Sept 11,2014: Hubby's first day of work. Thank you Lord!
    Feb 7, 2015 : Baby and I arrived in Sydney
    April 13, 2015: My first day of work :)

  • kremitzkremitz North Ryde
    Posts: 1,074Member
    Joined: Apr 17, 2013
    @jengrata kung isa lang working baka it will take four years para makakuha nghouse or lower dp siguro. Kaya kami siguro paunahn ko si hubby para makapagipon then pag malapit na ied saka nalang kami sunod para less gastos :)

    Occupation: Software Engineer (ANZSCO Code 261313)
    Main applicant : Husband
    April 29, 2013 : ACS Skills assessment
    July 22, 2013 : ACS assessment result
    January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
    January 12, 2013: Lodged EOI (65points)
    January 13, 2013: Invited to apply for visa 189
    February 9, 2014: Lodged visa
    March 1, 2014: Medicals at NHSI
    March 6: email from CO requesting form 80 and hubby's NBI Clearance
    March 25, 2014: visa grant. Thank you lord
    June 8,2014: Hubby arrived in Sydney
    Sept 11,2014: Hubby's first day of work. Thank you Lord!
    Feb 7, 2015 : Baby and I arrived in Sydney
    April 13, 2015: My first day of work :)

  • kremitzkremitz North Ryde
    Posts: 1,074Member
    Joined: Apr 17, 2013
    @johnandjosh around 400k din po ba nabili nyong house? If 450 per week lang di naman sobrang bigat since sayo na yung house :)

    Occupation: Software Engineer (ANZSCO Code 261313)
    Main applicant : Husband
    April 29, 2013 : ACS Skills assessment
    July 22, 2013 : ACS assessment result
    January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
    January 12, 2013: Lodged EOI (65points)
    January 13, 2013: Invited to apply for visa 189
    February 9, 2014: Lodged visa
    March 1, 2014: Medicals at NHSI
    March 6: email from CO requesting form 80 and hubby's NBI Clearance
    March 25, 2014: visa grant. Thank you lord
    June 8,2014: Hubby arrived in Sydney
    Sept 11,2014: Hubby's first day of work. Thank you Lord!
    Feb 7, 2015 : Baby and I arrived in Sydney
    April 13, 2015: My first day of work :)

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @johnandjosh around 400k din po ba nabili nyong house? If 450 per week lang di naman sobrang bigat since sayo na yung house :)
    Put it this way...

    When you rent, that is dead money and it is all expense...

    When you pay amortization, that is paying for your house and partly some dead money/expense in the form of bank interest... :)

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • NadineNadine Brisbane
    Posts: 481Member
    Joined: Dec 15, 2012
    edited June 2013
    Renting is paying somebody else's mortgage.

    Yun pa lang depressing na, ma-enganyo ka talaga bumili eh. I tried computing my apartment's mortgage. I reckon nasa $400 to a week for the owner. And since property rental increase regularly, I am paying so much more. So, may sukli pa may-ari !!!

    If you can see yourself staying in Au for the next 10 years at least, might as well buy property now or soonest possible. Nahala, makapag-umpisa na ngang mag-ipon ng downpayment.

    21 Dec 2012 - 457 lodged
    7 Jan 2013 - medical finalised
    8 Jan 2013 - visa approved

  • yhanie_17yhanie_17 Mandaluyong
    Posts: 193Member
    Joined: Nov 27, 2011
    edited June 2013
    Sa mga tga-Singapore na nakakuha ng malaki from CPF, nakabili ba agad kayo ng house after magka-work? I was asking kasi my husband and I are both working in Singapore and plan naming irevoke CPF namin. Medyo malaki makukuha namin since of us are both working and we're thinking of using the money para pang-DP.

    ======================================
    Occupation: Computer and Systems Engineer (ANZSCO 263111)
    Main Applicant: Wife
    29 April 2013 - ACS Skills Assessment
    27 July 2013 - Suitablle, AQF Bachelor Degree, 8 yrs experience counted
    29 August 2013 - IELTS Exam Date, IDP Singapore

  • BigfootBigfoot Brisbane
    Posts: 91applymembership
    Joined: Jan 03, 2013
    Hi guys, for those who had purchased their own homes (new, off-the-plan), can you suggest a developer. I have met with Central Equity during their road show in Singapore but I would also like to consider other developers within Melbourne area.

    Thanks and regards!

    18 Nov 2012 - IELTS Academic Exam (L-8.5; R-8.5; W-7; S-8; OBS-8)
    19 Feb 2013 - General Accountant Assessment - Not suitable (Accounting Theory)
    12 Mar 2013 - Assessment Review - Not suitable (Accounting Theory)
    Change ANZSCO to External Auditor - CPA Australia
    15 Apr 2013 - External Auditor Assessment - Suitable
    19 Apr 2013 - Lodged EOI
    05 May 2013 - Invitation to Apply for Visa (189)
    08 May 2013 - Visa application and acknowledgement
    16 May 2013 - Medicals Exam
    23 May 2013 - NBI Clearance
    31 May 2013 - CO allocated Brisbane GSM Team 31
    23 July 2013 - Singapore COC submitted
    24 July 2013 - Visa Approved (IED 20 May 2014)

  • meehmoohmeehmooh Perth
    Posts: 270Member
    Joined: Jun 12, 2011
    If the house cost around 400k... so it means kailangan mo ng around 80k for downpayment at 20k for misc... so at least must prepare 100k... tama ba?

    27 March 2013 - EOI Submission
    02 April 2013 - SS Approval
    09 April 2013 - Invitation to Lodge visa
    1 May 2013 - CO allocated
    13 May- Medical Submitted
    28 May - Police clearance submitted

    29 July 2013 ---- VISA GRANT

    • Proverbs 3:5-6
      Trust in the Lord with all your heart, and do not lean on your own understanding. In all your ways acknowledge him, and he will make straight your paths.
  • iambratinellaiambratinella Singapore
    Posts: 2Member
    Joined: Jul 16, 2014
    how much is the dp usually when buying a house in AU? 20% ba? thanks!
  • atchinoatchino Sydney
    Posts: 312Member
    Joined: Jan 09, 2011
    For those who are in Australia and planning to build a new home or renovating or just want to look at new ideas about house designs....

    bka interested kayo... FREE tickets! May artista pa daw... bka yung artista sa mga house renovation TV show.

    http://yzzymae.blogspot.com.au/2014/08/free-ticket-to-grand-designs-live-home.html

    To all Kuripotz.. please visit my blog.
    May kasabihan tayo: Kuripot man at magaling... yayaman din....

    http://kuripotism.blogspot.com.au

  • rylynnrylynn Sydney
    Posts: 161Member
    Joined: Aug 26, 2012
    hello po pag 20% yung downpayment including the 15K FHOG dapat ba wala nang LMI?
    What if dalawa yung loan : land + building home? Total ba nito 20% dapat DP mo sa bangko para ma waive yung LMI? Nagpa pre approve kami sa NAB tapos "what if 20% DP" pero noon final computation parang may insurance na dinagdag +179 Monthly..

    Nov 30, 2012 - IELTS OBS 7.0
    Dec 21,2012-EA received documents :
    May 21, 2013- Received Positive assessment (released 15 May)
    May 21,2013 - Lodged EOI -Visa 189
    June 3, 2013- Invited Visa 189
    June 4 , 2013 - Lodged Visa
    June 5,2013- Uploaded documents and certificate
    June 15, 2013 - Uploaded NBI Clearance
    June 29, 2013- DIAC received medical through SATA Bedok
    July 30,2013- CO Assigned GSM Team 33 Brisbane
    Aug 22,2013- Uploaded SG Clearance (3 weeks processing)
    Aug 23,2013- VISA GRANT (IED June 19 2014)
    March 22,2014 - Arrived in Brisbane
    May 21,2014 - Hubby started work
    July 22,2014 -started work

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    hello po pag 20% yung downpayment including the 15K FHOG dapat ba wala nang LMI?
    What if dalawa yung loan : land + building home? Total ba nito 20% dapat DP mo sa bangko para ma waive yung LMI? Nagpa pre approve kami sa NAB tapos "what if 20% DP" pero noon final computation parang may insurance na dinagdag +179 Monthly..
    20% DP will have no LMI - what I am not sure is if pwede isama ang FHOG sa computation ng 20% m0...

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • atchinoatchino Sydney
    Posts: 312Member
    Joined: Jan 09, 2011
    Sa tingin ko, dapat kasama yung 15k (new house) in Sydney sa calcualtion ng Deposit.
    yun nga ang purpose ng FHOG is to help for the deposit ng new property.

    PAra sigurado, itanong mo na rin sa bank kung san ka kumukuha ng loan since sila yung nag chanrge ng LMI at sa kanila napupunta yuhng LMI.

    Bka insurance ng property mo yung sinama sa calculation since required ang insurance. Kung ano man manyari sa property at biglang hindi ka makabayad, naka insured at hindi mag kaproblem yung bank.

    Pag kaka alam ko LMI is not paid montly. Isang bayaran sya.
    Kung monthly yug insurance charges, bka home insurance yan ng property.
    Required na insurance yung property.

    To all Kuripotz.. please visit my blog.
    May kasabihan tayo: Kuripot man at magaling... yayaman din....

    http://kuripotism.blogspot.com.au

  • TTamTTam North Ryde
    Posts: 141Member
    Joined: Sep 11, 2014
    edited September 2014
    @TasBurrfoot sir question po ulit. Sorry ikaw po ang lagi ko tinatanong, tanong ko lang po if how much ang interest rate (i know that it varies depending sa credit rating pero ano po yung average?) May naresearch po ako na 5% daw but not sure about it. And kailangan po ba na 2 years ka na employed? If i-avail yung 5% dp and LMI? Thanks po!!

    January 2015 - IELTS 6.5
    Feb 2015 - Submitted CDR
    April 2015 - PTE Academic (7)
    April 29 2015 - EA Positive Outcome
    May 6, 2015 - Lodged EOI - 65pts
    May 7, 2015 - Invited
    May 14, 2015 - Visa Lodgement
    July 6, 2015 - CO allocated, requesting for police certs and medical
    July 23, 2015 - uploaded police certs and finalised medical
    Aug 6, 2015 - Visa Grant

  • atchinoatchino Sydney
    Posts: 312Member
    Joined: Jan 09, 2011
    @TasBurrfoot sir question po ulit. Sorry ikaw po ang lagi ko tinatanong, tanong ko lang po if how much ang interest rate (i know that it varies depending sa credit rating pero ano po yung average?) May naresearch po ako na 5% daw but not sure about it. And kailangan po ba na 2 years ka na employed? If i-avail yung 5% dp and LMI? Thanks po!!


    * Interest rate varies depende kung san ka nag loan.
    If basesis is this website: http://www.infochoice.com.au/home-loans.aspx
    - as low as 4.545 interest rate

    Bkit kailangan mo ng average? look for the lowest and features of loan that fits your needs/requirements.

    * Not ncessary na 2 yrs working experience... If you can provide a huge deposit and show a regular monthly savings is enough to convince them that you are capable of paying your mortgage.
    Cguro sinasabi na 2 yrs since by 2 yrs dapat medyo stable ka na in australia at alam mo na kung ano expenses mo at magkano kaya mo loan at bayaran. Kung one year kasi syempre hindi mo pa ma picture ano ang pwede mong maging expenses mo in a year at kung ano ang actual savings mo. Dyan yung time na iisipin mo pa na bumili ng kotse at ng mga gamit ng bahay or kung gano ka kadalas ma holiday.


    * If your downpayment is 5%... you are subject for LMI
    Sample LMI calculator: http://www.yourinvestmentpropertymag.com.au/calculators/mortgage-insurance/

    To all Kuripotz.. please visit my blog.
    May kasabihan tayo: Kuripot man at magaling... yayaman din....

    http://kuripotism.blogspot.com.au

  • vhoythoyvhoythoy Melbourne
    Posts: 1,550Member, Moderator
    Joined: Oct 31, 2012
    ^^ kano lahat cash outlay nyo and how many years to p
    hello po pag 20% yung downpayment including the 15K FHOG dapat ba wala nang LMI?
    What if dalawa yung loan : land + building home? Total ba nito 20% dapat DP mo sa bangko para ma waive yung LMI? Nagpa pre approve kami sa NAB tapos "what if 20% DP" pero noon final computation parang may insurance na dinagdag +179 Monthly..
    20% DP will have no LMI - what I am not sure is if pwede isama ang FHOG sa computation ng 20% m0...
    May FHOG ba na binibigay sa Victoria for new immigrants and how much?

    ANZSCO 221214 - Internal Auditor
    19 Jan 13 - Academic IELTS Results - passed
    12 July 13 - Vetassess Assessment + Point Test Advice: Positive
    03 Nov 13 - Invitation Accepted 70 points
    19 Dec 13 - Lodged Visa 189
    07 Feb 14 - Visa Granted
    04 Aug 14 - Initial Entry Date requirement
    26 July 14 - Actual IED to Melbourne
    May 2015 - Big Move
    June 2015 - Got a permanent role in Melbourne
    Apr 2016 - Got a contract consultancy role in Melbourne
    May 2016 - Got permanent role and moved to Toowooba, Queensland

    And now...... living the life that i have imagined

    "A great photograph is one that fully expresses what one feels, in the deepest sense, about what is being photographed" - Ansel Adams

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    ^^ kano lahat cash outlay nyo and how many years to p
    hello po pag 20% yung downpayment including the 15K FHOG dapat ba wala nang LMI?
    What if dalawa yung loan : land + building home? Total ba nito 20% dapat DP mo sa bangko para ma waive yung LMI? Nagpa pre approve kami sa NAB tapos "what if 20% DP" pero noon final computation parang may insurance na dinagdag +179 Monthly..
    20% DP will have no LMI - what I am not sure is if pwede isama ang FHOG sa computation ng 20% m0...
    May FHOG ba na binibigay sa Victoria for new immigrants and how much?
    10K ata but this is only available for new homes... We didn't avail of this kasi 8 yr old house ang kinuha namin.

    May rebate though for the stamp duties; 50% if first home.

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @TasBurrfoot sir question po ulit. Sorry ikaw po ang lagi ko tinatanong, tanong ko lang po if how much ang interest rate (i know that it varies depending sa credit rating pero ano po yung average?) May naresearch po ako na 5% daw but not sure about it. And kailangan po ba na 2 years ka na employed? If i-avail yung 5% dp and LMI? Thanks po!!
    average does not matter... look for a loan that suits your needs! :)

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

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