税务理财 今日: 0|主题: 4781|排名: 47 

最后发表： enjoyit
回复内容：
换了55K，5.95
前面换的亏了 25K

最后发表： ddd
回复内容：
我有那个头脑我也那么做，但是我就是一个平凡人，能买就买，尤其在澳洲，楼主那是说中国，我赞同，但不是世界各地都通用，看看周围和过去在做决定，（还有反面，如果投资赔了，怎么办？？？？？，如果他这么厉害，我想再过5年，他也许能超过李嘉诚吧，我在这里关注，等待。。。到那时我在决定卖房子，去投资，）

最后发表： springtt
回复内容：
BOND是周租乘以52（全年52周），再除以12得出的啊。
如果一个月只算4周，一年就少了4周，房东不干啊

最后发表： dali
回复内容：
http://web.wenxuecity.com/BBSView.php?SubID=tzlc&MsgID=54253

最后发表： daxiahui
回复内容：
Coles的Mastercard也不错啊，可以终身免年费。

最后发表： gongxg
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这场经济风暴，是否说明资本市场发展到一定的阶段必然会回落？曲线发展才合符规律？

最后发表： chrisyr
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看了帖子都明白了，谢谢谢谢。

最后发表： miney1979
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今年Monash students 放假都不敢退租

最后发表： kermit
回复内容：
Good. GXGX!

最后发表： emilydear
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本人单身女性，二十多岁，会计移民，善良温柔活泼好相处，即将于9月9日登陆悉尼。希望寻合适合租房：
1）交通方便。
2）房间干净，安静，有阳光。家具电器齐全，周边环境正常。
3）谢绝夫妻及有情侣留宿室友，希望是跟一到两个易于沟通单身朋友合租一套房子，一人一个房间，互相尊重，互不干涉。
4）如合租伙伴达到以下几个优点之一可以优先考虑：善良，英语好，热情助人，容貌佳，容易相处。
5）希望房价合理，每周不超过AUD150元。



其实偶还没想好到底住在哪个区，偶喜欢交通方便衣食住行方便又比较干净的区，有没有已经定居的筒子进来指教一下？你们都是住哪个区呢？谢谢。

最后发表： echo8850
回复内容：
第二贴的第一跟贴

最后发表： thewall
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... if you don't mind paying extra admin fees ...

最后发表： whoami
回复内容：
问过，不用的
但是如果移民多年还有很多这样的汇款不断的过来 ATO可能会调查

最后发表： wwwh
回复内容：



应该不会。仔细的检查不仅可以使你省去很多未来的烦恼，而且也能表达你购买的诚意。如果发现什么问题，一定要问清楚。

根据法律，中介必须回答任何有关该出售房产的问题。中介如果以沉默不回答，他会有大麻烦。记得多年前悉尼发生的出售的房子发生过凶杀案，结果中介没有将此事告诉买方，最后败诉的判决，这个案子对所有中介都是一个警告。

另外问的问题要具体，要保留证据和证明人。

关于Inspection的问题，Cello解释的非常全面，这里就不重复了。

如果发生纠纷，在南澳，可以向ＯＣＢＡ和ＡＣＣＣ投诉。

最后发表： 老大卫
回复内容：
考虑住址有几个因素：是否准备马上买车，是否回有老人过来，是否要读书，读什么书，本专业的工作在哪里，（比如IT就很可能在北面找工），本人生活习惯如何。

最后发表： rubyandbrother
回复内容：
夫妻二人，9月13号登陆悉尼，没有太多要求，如何租到房子呢，请大家帮忙！

最后发表： guangming
回复内容：
急切等待中........

最后发表： ccen
回复内容：
3q

最后发表： milkzhang
回复内容：
最近刚有个朋友告诉我,如果我拿放在房款中的钱去买生意,那么该笔钱的利息可以抵税.但是具体怎样操作呀?

是算在个人收入抵扣(具体是在哪个名目下?)?还是算到生意的成本?而且房子是两个人买的,生意是有限公司(非家庭生意),那么该利息的成本是分摊到两个人身上,还是只在拿该生意所发工资的人的身上?

最后发表： miney1979
回复内容：

因为在corner所以可以sub-divide,一般３００以上就可以造unit.关键是
关键是地的形状，要留出driveway

最后发表： cello
回复内容：
debit card没有免息期省利息的好处。。有个大的透资额的credit card只要设定了direct debit自动全额还款就不会产生利息，比起用saving里面的钱还是省不少利息的，我的credit 没有年费，不过即使有年费不太贵的（<50），碰上买些大件的时候一个月省下的利息就抵消年费了

最后发表： 苍翠欲滴
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我有兴趣。但不知如何下手！

最后发表： miney1979
回复内容：
先作预贷款

最后发表： 衣冠禽兽
回复内容：
Rates go up: what you should do

August 2007
By Gillian Bullock

The Reserve Bank has hiked the cash rate another 0.25 per cent to 6.5 per cent today, a move that was largely expected by the market on the back of higher than expected inflation figures in the June quarter.

It means that for an average home loan of $250,000, you will be paying an extra $50 a month.

Calculate the effect the rise in rates on your repayments

And it won't be long before the banks and other lenders pass on this increase in rates to their customers. This will bring the standard variable rate to 8.35 per cent.

So how can you get round this additional slug? What tactics can you employ to counter the ninth consecutive rise in interest rates since December 2001.

Lisa Montgomery, head of consumer advocacy at Resi says the first thing you should do is check that you have the right loan in the first place.

"If you were paying more than 8 per cent before today's interest rate hike, then you are probably not in the right loan as there are much better deals out there," says Montgomery.

Rather than have a standard variable loan, perhaps you can look at switching to a basic loan which is a similar offering but minus the bells and whistles. For instance you may not be able to utilise a redraw facility or make extra payments without penalty.

According to financial services research group Cannex a mortgage offering features such as redraw or offset can cost you up to 0.67 per cent more than one without.

"That's equivalent to over $34,000 extra on a $250,000 loan over 25 years," says Mamta Grewal of Cannex.

Kath Bowler, financial planning policy adviser with CPA Australia says you should be wary of the extra features.

"Redraws aren't always a fast track to financial freedom," she says. "There's a risk that these facilities can turn into a residential ATM with mortgagees constantly withdrawing the excess money to fund personal expenses rather than pay off their loan faster."

While borrowers tend to be more savvy these days a recent study by CPA found that almost one in four Australians did not know the interest rate they would pay at the time of taking out their loans.

Not knowing a couple of years down the track might be almost forgivable but to not be aware when you are actually finalising the loan is a worry.

"Considering that the increasing cost of housing is making the Aussie dream of owning your own home harder to turn into reality for many people, it is almost as if people are turning a blind eye to the cost when choosing a home loan," says Bowler.

The study found that while 24 per cent did not know the interest rate on their mortgage at the time of purchase, 44 per cent did not know exactly what their rates were down the track.

But despite not knowing the actual percentage they were paying, Bowler says many people are already making higher than minimum repayments on their loan so should be able to ride the storm. Indeed the survey showed that 69 per cent of the 300+ interviewed were making additional payments so this could present some leeway.

Resi’s Montgomery says the tax cuts that were introduced on July 1 this year should go some way to offsetting the rise but those who are highly geared "will need some additional belt tightening".

It could actually be something as simple as cutting out your daily cup of coffee at work. That would save on average $15 a week which would more than cover the increase if you have a $250,000 loan.

Or Montgomery says you might consider looking at ways to reduce your commitments by consolidating debt.

Find a better interest rate at RateCity

最后发表： ccen
回复内容：
拜托大家，说得时候说明是人民币还是澳币。我的汇率一直在脑袋里转呢，

最后发表： milkzhang
回复内容：
及他们的利率和产品性能?

最后发表： fgyzj
回复内容：
You enquire CHINA BANK. It has a Sydney branch or Hongkong' Bank.

最后发表： singingbird
回复内容：
It seems that K is the only one you DO care about now. Lucky K!

最后发表： dreamoz
回复内容：
根本没用！
打电话 没人接。没办法直接找电业，煤气，电话公司。

最后发表： 含昔米
回复内容：
See http://www.productreview.com.au/showitem.php?item_id=42426 for details.

最后发表： njlane
回复内容：
想拿這一萬多元。。。。也這么難

最后发表： 东北虎
回复内容：
也想知道.

最后发表： luoyi727
回复内容：
只有私人医疗保险享受30%的rebate,其他都没戏

最后发表： cgyys
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这个可以找房东的，他应该帮你开通

最后发表： daisyhey
回复内容：
东区，东南区，一区的都不错！

最后发表： aruba
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Anyone has idea How is Brisbane suburb brookfield?

最后发表： thewall
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最后发表： lzz2006-67
回复内容：
刚从会计那回来，会计骂我女人干不了大事，还不信任他。

没事喽，开始吃早饭！

叩谢各位！

最后发表： 全庸
回复内容：
澳洲政府能不能也建些经济适用房或廉租房呢？

最后发表： royyang
回复内容：
谢谢各位。。安装上试一试吧！