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Posts: 481Member
Joined: Dec 15, 2012
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.
21 Dec 2012 - 457 lodged
7 Jan 2013 - medical finalised
8 Jan 2013 - visa approved
Posts: 1,416Member, Moderator
Joined: Jan 11, 2011
Google for Everything !!!
Posts: 4,336Member
Joined: Feb 24, 2011
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!!
Posts: 107Member
Joined: Sep 21, 2012
Posts: 1,416Member, Moderator
Joined: Jan 11, 2011
Google for Everything !!!
Posts: 527Member
Joined: May 15, 2013
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
Posts: 434Member
Joined: Oct 13, 2012
But also bear in mind.. Very doable toh kasi 20 years to pay naman. Kaya yan:)
Posts: 1,416Member, Moderator
Joined: Jan 11, 2011
Google for Everything !!!
Posts: 434Member
Joined: Oct 13, 2012
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!
Posts: 1,416Member, Moderator
Joined: Jan 11, 2011
Google for Everything !!!
Posts: 1,074Member
Joined: Apr 17, 2013
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
Posts: 1,416Member, Moderator
Joined: Jan 11, 2011
Yes ... 6 years na kami dito
Google for Everything !!!
Posts: 1,074Member
Joined: Apr 17, 2013
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
Posts: 1,074Member
Joined: Apr 17, 2013
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
Posts: 1,074Member
Joined: Apr 17, 2013
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
Posts: 4,336Member
Joined: Feb 24, 2011
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!!
Posts: 481Member
Joined: Dec 15, 2012
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
Posts: 193Member
Joined: Nov 27, 2011
======================================
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
Posts: 91applymembership
Joined: Jan 03, 2013
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)
Posts: 270Member
Joined: Jun 12, 2011
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
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.
Posts: 2Member
Joined: Jul 16, 2014
Posts: 312Member
Joined: Jan 09, 2011
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
Posts: 161Member
Joined: Aug 26, 2012
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
Posts: 4,336Member
Joined: Feb 24, 2011
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!!
Posts: 312Member
Joined: Jan 09, 2011
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
Posts: 141Member
Joined: Sep 11, 2014
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
Posts: 312Member
Joined: Jan 09, 2011
* 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
Posts: 1,550Member, Moderator
Joined: Oct 31, 2012
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
Posts: 4,336Member
Joined: Feb 24, 2011
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!!
Posts: 4,336Member
Joined: Feb 24, 2011
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!!