想买个商业地产，哪里能找到点基本知识

是把刷子

手里有个看中的店，70来万含gst，
问题
1这个贷款和普通房贷利率有差别吧?
2可以用我房贷的钱套出去买还是把自住和商业合并做一个贷款？
3将来卖出的话怎么算税
求科普

eagleowl

要出4成,最多贷六成.

是把刷子

用房贷里面的钱去买下该物业，扣税没问题吗？

stephenqiu

若有商业贷款需求，我有银行的朋友，可以尽量帮忙

kkxxing

stephenqiu 发表于 2014-7-10 18:07
若有商业贷款需求，我有银行的朋友，可以尽量帮忙

你好，你在mel吗，我也有相同问题

stephenqiu

kkxxing 发表于 2014-7-11 18:59
你好，你在mel吗，我也有相同问题

在Mel

kkxxing

stephenqiu 发表于 2014-7-12 08:45
在Mel

能给个联糸方式吗

Kelvin_yang

现在ANZ最高可以借75%

可以从自住房贷款里面抽25%，银行借75%。 利息完全退税。

我是墨尔本的broker，如果有需要可以联系我。

Epping73

Anz不错

zhengtao

1- rate is normally higher
2 - yes you can, some bank allow you to use your equity from residential property to buy commercial shops, offices or warehouses, maximum you can borrow is 80% on the residential property value, 30 yrs loan.
3 - advise ask professional tax agent

HOWEVER, buying commercial property is normally more expensive and more risky because:

1- higher application fee 0.15%-0.2% on loan amount or even more and most likely won't be waived by the bank
2- higher valuation cost and is normally paid by customer. You may end up paying $1500 or more on the valuation cost itself, no many bank is willing waive that high cost either
3- generally shorter term, most banks do 15 yrs loan if you only offer commercial properties as securities. This means your monthly repayment could be a lot higher if P&I repayment is choosen
4- check the capital growth for the area because it is normally slower for commercial property
5- making sure you check the tenant if there is one and making sure it's reputable, and check the term of the lease, the longer the term, the better. Also calculatre your annual rental return, a good commercial property should generate at least 10% rental return per year otherwise not worth the investment (personal opinion only).
6- check the management fee, council rate, strata fees before making decision, they may cost you more than expected as well