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标题: fist home buyer, house under $500K,为何要交security stamp duty？ [打印本页]

作者: 归来 时间: 2007-8-7 13:31
标题: fist home buyer, house under $500K,为何要交security stamp duty？
各位，填写HOME LOAN 申请的时候，遇到个问题请教

我申请的CBA的LOAN , 房价490K，贷款80％为392K，First home buyer
我用网上的STAMP DUTY 计算器算了一下，我只需要付180刀的费用。见 http://www.echoice.com.au/servle ... tors/stampduty.html

但是,银行给我寄来的CONTRACT里面，却包含了一项 "security stamp duty : $ 1509" ，而网上的那个计算器中，选择不是First home buyer，才会有$1509的费用

请教各位，这笔费用合理么？尤其是用CBA HOME LOAN的同志，这个格式都是一样的，应该也有这一条的。

多谢

[ 本帖最后由归来于 2007-8-7 13:53 编辑 ]

作者: wasskinnyhenry 时间: 2007-8-7 13:34
标题: call bank

作者: 归来 时间: 2007-8-7 13:42

原帖由 wasskinnyhenry 于 2007-8-7 13:34 发表

I already called the CBA bank lender, but she said the contract is right.

that's why I'm so confused about the stamp duty policy.

作者: 归来 时间: 2007-8-7 13:55
YES, It's stamp duty on loan

but the problem is I don't need pay this duty as first home buyer. anybody using CBA home loan meet the same problem? thanks

作者: 大飞熊 时间: 2007-8-7 14:10

原帖由归来于 2007-8-7 13:42 发表

I already called the CBA bank lender, but she said the contract is right.

that's why I'm so confused about the stamp duty policy.

Have you told them you are first home buyer? If you confused about the policy, you need ask them, let them explain to you.

作者: patricb 时间: 2007-8-7 14:15
Yes,That's the stamp duty on the mortgage(loan) of $392k,not the stamp duty on transfer(purchase) which is $17450.

[ 本帖最后由 patricb 于 2007-8-7 14:17 编辑 ]

作者: patricb 时间: 2007-8-7 14:19
check this website
http://www.osr.nsw.gov.au/portal/page?_pageid=33,1&_dad=portal&_schema=OSRPTLT

作者: 大飞熊 时间: 2007-8-7 14:53

原帖由归来于 2007-8-7 13:31 发表
各位，填写HOME LOAN 申请的时候，遇到个问题请教

我申请的CBA的LOAN , 房价490K，贷款80％为392K，First home buyer
我用网上的STAMP DUTY 计算器算了一下，我只需要付180刀的费用。见 http://www.echoic ...

我也在做home loan。我问过我的broker了。

她说合同里面会写上stamp duty on loan的钱的，但是你要告诉你的律师你是first home buyer。你的律师会帮你办个手续，然后在settlement day的那天不charge你的stamp duty on loan。

作者: patrickzhu 时间: 2007-8-7 15:00
Upstair's answer is right.
Bank always charge stamp duty at g contract issuing. Once you request your solictor to apply for exemption of this charge as first home buyer, and after settlement the final statement of last payment amount will show this charge deducted.
Almost everycase like this way.

作者: intel5858 时间: 2007-8-7 15:19
谢谢楼上各位。。我也长见识了

作者: 归来 时间: 2007-8-7 18:08
哇，总算有答案了。偶这就去签下大名了，哈哈

多谢

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