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工党允诺17.5亿资助三岁儿童上幼儿园-- 资金来源于取消负扣税最后跟贴：支持，负扣税应该取消。最后发表：xuemeipi ...2	两页书 2018-10-4 16:10	336585	xuemeipi 2018-10-7 13:39
福布斯杂志说父母给子女房贷比给子女买房好，澳洲法律允许这样的操作么？最后跟贴： https://www.forbes.com/sites/whi ... iving-them-a-house/ 10,715 views Oct 5, 2018, 02:54pm A Smarter Gift – Why Giving Your Child A Mortgage May Be Better Than Giving Them A House Whittier Trust Timothy K. McCarthy Contributor Whittier Trust As housing prices continue to climb across the nation’s hottest real estate markets, many young families struggle to buy their first home, particularly in their parents’ more expensive neighborhoods. Wanting to keep their children close, parents, with the financial resources to help, often consider gifting a home to their children. While this tactic can help keep kids nearby, providing a home can have significant tax and other associated implications. But there is another option: giving your child a low-interest home loan. “Providing a mortgage may be the smarter option, and better for both the parents’ and their kids’ financial future,” Dave Covell, Whittier Trust. “Providing a mortgage may be the smarter option, and better for both the parents’ and their kids’ financial future,” Dave Covell, Whittier Trust.WHITTIER TRUST “The first thought when parents consider helping their children purchase a home is to gift money for a down payment or to even purchase the house outright,” says Dave Covell of Whittier Trust. “But providing a mortgage may be the smarter option, and better for both the parents’ and their kids’ financial future.” A loan between a parent and a child works similarly to a traditional mortgage. The transaction is thoroughly documented with all parties in agreement on the terms, including regular payments. But rather than the funds coming from a bank or mortgage company, parents provide the money, which is then paid back by their child. Providing a home loan for a child has several advantages over giving them a down payment or gifting them a home. First, a loan from a parent to a child can be structured with more flexible terms, such as a higher loan-to-value ratio and lower interest rate and payment. The flexibility allows the child to purchase a home that may otherwise be unaffordable. This not only allows them to purchase a house that fits within their budget, but also allows them to benefit from the appreciation of a property that may be worth considerably more than what they could have purchased on their own. The added appreciation could make a big difference to their net worth over the long-term. “I often see parents who want to help their kids buy a home because they want the grandkids nearby or they just know their kids couldn’t afford it on their own,” says Dave. “A loan allows the parents to help, but because the loan is being paid back, it’s not a gift.” A loan may also allow the child to move into a more expensive property or neighborhood while avoiding some of the tax implications that receiving a gift can trigger. The annual tax exclusion for a monetary gift from a parent to a child in 2018 is $15,000. With today’s housing prices, that often is not enough to close the gap between a child’s available resources and what’s needed to purchase a new home. Giving more than the $15,000 cap can result in tax liabilities for both the parents and the child, whereas loaning a child the money for a home can avoid these tax implications. In addition to avoiding tax liabilities, giving your child a mortgage also protects the asset from future legal actions. If something unfortunate were to happen, such as a divorce between the couple receiving the loan, the loan would need to be repaid. This can protect the parents from losing an asset they intended to benefit their child. Overall, providing a loan to help a child purchase a new house is a much smarter option than giving them a new house as a gift. It offers a child the ability to afford a home that would otherwise be beyond their reach. They would be responsible for paying back the loan, but on terms that fit within their budget. From the parents’ perspective, the loan becomes part of their asset allocation and is protected from potential legal action. In today’s market, where purchasing a first home can be a challenge for many, providing a home loan between a parent and a child can be a win-win option for everyone involved. 最后发表：Hetbert	Hetbert 2018-10-6 21:49	02398	Hetbert 2018-10-6 21:49
昨天新闻奶茶妹妹卖悉尼婚房了，大家怎么看。最后跟贴：怎么看？当然在足迹网站上看，房产投资频道上看！最后发表：yingke ...2	猪臭臭 2018-9-28 14:29	498806	yingke 2018-10-6 17:36
地产价值投资，那些经典的漏最后跟贴：爬山虎发表于 2018-8-9 12:40 现在价格下行趋势很明显了，没有什么可以争议了，问题是利息都还没有涨呢，所以请大家系紧安全带，捡漏的时 ... 谢谢你宝贵经验的分享！最后发表：仔娃娃 ...2	爬山虎 2017-12-28 11:38	5012766	仔娃娃 2018-10-6 14:08
NAB总是找各种理由拖延discharge怎么办，抓狂最后跟贴：几大银行之间也要抢客户最后发表：richiz ...2 3	gabrielleyc 2015-11-30 19:33	7210870	richiz 2018-10-5 16:11
银行算不对最后跟贴：如果每月按时还钱的情况下，利息该怎么算？是贷款额利息率/365当月天数吗？我从没算的跟银行一样过。有同学知道吗？最后发表：ADF93	ayuanx 2018-10-4 14:28	83072	ADF93 2018-10-5 15:18
大神请进：投资房浴室的水不知接到哪里去了？最后跟贴： Pandaroo 发表于 2018-10-5 11:57 管子埋在地里了呗有道理呀。最后发表：any	any 2018-10-4 21:27	42662	any 2018-10-5 13:09
想买投资房，怎么从自住房P+I里面取钱可以抵税？最后跟贴：用你自住房做security，如果你的equity够，就可以全款贷款买投资房，这样你的房子里面已经还掉的principal也起到了作用，不需要10%首付。最后发表：sunliner	j_head 2018-10-2 15:35	133258	sunliner 2018-10-5 10:58
再谈澳洲房价最后跟贴：下跌周期而已熬不过去就卖熬的过去就熬等下一波上涨最后发表：orangejue726 ...2 3 4	KANCHENG2008 2018-6-27 17:22	11820116	orangejue726 2018-10-5 10:50
Anyone living in leppington 最后跟贴：Hi I just moved in to leppington . Hopefully more and more Chinese move here . Nice area and kind of beautify environment 最后发表：Jameswongtak	Jameswongtak 2018-10-5 00:15	02942	Jameswongtak 2018-10-5 00:15
韩国人可以租吗最后跟贴：本帖最后由 babyking11 于 2018-10-4 19:59 编辑租过一次非常好，退租时打扫的比出租时还干净。也是工资不高，但交房租非常及时。虽然是蓝领阶层，但比租过的其他种族的所谓白领还干净整洁多了。最后发表：babyking11	smilerweng 2018-10-3 22:59	113844	babyking11 2018-10-4 20:56
想知道楼花是怎么骗人的？请看这两张图最后跟贴： gycyc 发表于 2018-10-4 14:27 就怕泳池都没了那才可怜这个顶楼游泳池宁可不要，大概率以后会漏水最后发表：jackey1984 ...2	pmp6 2018-10-4 11:42	567162	jackey1984 2018-10-4 20:54
北极星-北悉尼Polaris公寓值得投资么最后跟贴：马邦德发表于 2018-10-4 15:56 前几天看到这个项目有个101平带车位两房才103万，很划算！估计地区有硬伤最后发表：Benz20xx	凑热闹 2018-10-4 07:06	63057	Benz20xx 2018-10-4 20:47
关于布村Mansfield学区房最后跟贴： ARACT 发表于 2018-10-4 07:00 谜底揭晓，此房在当月以80万价格成交 https://www.realestate.com.au/property/51-morialta-st-mansfi ... 那看来房市还是在上涨呀一点都没跌呀最后发表：zhenyu1984	frankzhao 2017-7-1 22:31	125021	zhenyu1984 2018-10-4 20:03
如果Mascot的8层2房2卫1车库新房卖掉，可以卖多少呢最后跟贴：这个区的两房不值90万，没大型购物中心，没经济，没基建；Westfield都不在这里设店，以前就是老旧工厂和仓库，拿地价格很低，之前完全是靠海外开发商和投资者炒起来的，那些人只要看到“距离市中心6公里”这样的字样就会买，所以泡沫很大，供给量很多。像Wolli Creek也是同样的区域，今年Level 33在Wolli Creek拿地价格是16万/lot，以前这个区两房都卖90多万最后发表：马邦德	MichaelInSydney 2018-10-1 09:34	193947	马邦德 2018-10-4 17:10
关于银行贷款买房和非税务居民的问题最后跟贴：本人在国内6年，前4年有工作收入，最近2年没有工作收入，在澳洲一直报的是非税务居民报税。最近回澳洲了找了一个工资不高的工作做了几个月，现在想银行贷款买房有一些问题问一下大家，谢谢 1. 银行会check之前多久的报税记录，2年还是3年？因为在澳洲报的是非税务居民，而之前2年在国内没有工作，所以没有收入证明，只有澳洲一套投资公寓租金，银行如果查了报税记录觉得我最近几年没在澳洲是否会不贷款给我？ 2. 如果再买一个自住房（是第二套房子了，不是首次购房）那么要自己住或空关多久才能转到投资房？ 3. 原来那个投资公寓房有offset account，如果现在再买一个自住房是不是要建另一个offset account？ 3. 现在哪个贷款机构利息低，可靠点？最后发表：testtrial	testtrial 2018-10-4 11:39	02254	testtrial 2018-10-4 11:39
预言成真：如何，早就和你们说过，这轮房子要暴涨，你以为国际资金涌进来，连个动静都没有吗？最后跟贴：动静真的好大呀最后发表：ultrahelix ...2 3 4	bankstowner 2018-2-13 16:54	10519739	ultrahelix 2018-10-4 09:41
国内房价够离谱的最后跟贴： yzfeng 发表于 2018-10-3 22:19 你去农村看看，以前一个镇二三十小学很普通，现在估计也就一个镇一所吧 ... 你去城市看看，以前一片农田的地方，现在几个幼儿园的等待名单上都是排满了好几页。最后发表：Gaucho ...2 3 4 5 6	zxy1234 2018-10-1 11:25	17721079	Gaucho 2018-10-3 23:42
墨尔本burwood east这个四房townhouse是怎么了？最后跟贴：这房子不好，不适合家庭居住最后发表：快乐每一天	wkong 2018-10-3 12:42	103683	快乐每一天 2018-10-3 21:36
咨询下大家意见该不该卖最后跟贴：不少人都是先卖自住房，再卖投资房的，能先避就先避最后发表：azhu	幸福可儿 2018-10-3 15:29	132808	azhu 2018-10-3 18:11
我家的亲戚想移民澳洲，买St Leonards的楼花自住，求大家指点！最后跟贴：本帖最后由 bello 于 2018-10-3 15:40 编辑 evar 发表于 2018-10-3 15:14 我只是说出了我自己的想法，怎么又让你想起了中介？你有权发表你的意见，我有权发表我的看法。本人就是 ... 没说你是中介，是那句话是很中介口吻，而且这句原话的确是某个中介的微信截屏嘛最后发表：evar ...2 3	Hetbert 2018-9-20 18:22	7112533	evar 2018-10-3 16:14
现在买Hills的房子前景怎么样最后跟贴：只补充一点：大家有空可以去看看BV 和CH Carrington Road 马上要盖成的火车站，造型堪比微型悉尼歌剧院，非常漂亮的。最后发表：lindapipi ...2 3	fxn_07232516 2018-9-16 23:02	7816648	lindapipi 2018-10-3 15:50
大神们谁收到西太的信了最后跟贴：很纳闷楼主不是空军阵营的么，房价跌理论上就会导致这种局面啊，怎么还这么心虚？最后发表：瓜农 ...2	hpehpe 2018-9-26 21:50	306764	瓜农 2018-10-3 13:15
有没有再TAS有投资房的亲？ manage fee大约%？另外有什么额外的费用吗？你就别八卦了 - [阅读权限 70]	panda_08 2018-10-2 15:14	24490	panda_08 2018-10-3 12:58
墨尔本60万投资房选择，请教大神！最后跟贴： NEWSTONE 发表于 2018-8-23 23:51 少上这种垃圾图误人子弟同意垃圾图最后发表：yoihoi ...2	海胆君小土匪 2018-8-15 15:23	307518	yoihoi 2018-10-3 12:00
？最后跟贴：老房子最大问题是水管，电线，房屋结构这些；修一次都是大钱；总结房子最理想是1990年左右建的双砖房最后发表：leon3758	ann@2209 2018-10-2 22:51	62820	leon3758 2018-10-3 09:57
9news:澳银行将进一步全面收紧房贷最后跟贴： tonyblair 发表于 2018-9-30 20:47 你太狠了。。。，这是多大的仇啊 +1 最后发表：mliu1188 ...2	ultrahelix 2018-9-30 21:03	568750	mliu1188 2018-10-2 22:14
已解决最后跟贴： looflirpa 发表于 2018-10-2 17:36 银行低估为什么要找中介麻烦？银行如果估价低，买家会不高兴，回去找中介麻烦，觉得合同价格定高了。基于这个，一些中介会提前给买家洗脑，说银行估价普遍偏低。最后发表：775806140	shtad0802 2018-10-2 16:22	72884	775806140 2018-10-2 17:39
空军的炮弹。转发一则关于美元的文章最后跟贴：自由世界已经不再有，尤其媒体自由最后发表：刘关张	kiama 2018-10-2 14:30	122548	刘关张 2018-10-2 15:09
悉尼Mosman这周六13套房子拍卖最后跟贴： aries0327_185 发表于 2018-10-2 11:02 按照有些人的逻辑，大规模拍卖就等于房价快腰斩了这可是低位放量下跌，不管哪种投资里都是非常差的信号最后发表：anklos	sunzhiq562 2018-9-30 07:13	123680	anklos 2018-10-2 13:53
房市降温经济升温最后跟贴：有钱的更有钱，穷人更穷最后发表：harold7781	HoneyBadger 2018-9-27 23:45	94261	harold7781 2018-10-1 21:11
澳洲会象美国那样驱赶低端人口致房价大跃吗最后跟贴：非法移民都该被驱逐，而且这不算驱赶低端人口；非法移民不算本国人民/公民最后发表：companymj	hpehpe 2018-9-30 18:58	133100	companymj 2018-10-1 18:55
11111 最后跟贴：降价卖咯，在澳洲做投资不管是什么都不是随便就能赚钱的最后发表：wedu123 ...2	aspire2017 2018-9-28 14:32	5911543	wedu123 2018-10-1 18:09
全世界房价泡沫最严重的城市是香港其次是温哥华多伦多最后跟贴： flybird2010 发表于 2018-9-30 14:46 温哥华多伦多比墨尔本贵不少刚和多伦多同学聊天，土豪超级多，房子600万都不是好的最后发表：merkavamt	epping16 2018-9-29 10:12	213798	merkavamt 2018-10-1 16:16
布里斯班和悉尼犯罪率增长最快的区最后跟贴：意思是华人属于易欺负的群体？唉悲哀。老外在国内就是大爷，我们是奴才到哪里了还是奴才最后发表：PSABRINA	ARACT 2018-9-23 07:17	114273	PSABRINA 2018-10-1 13:15
30年前的东京最后跟贴： 1997 发表于 2018-9-30 15:05 有必要也造不出，人口素质在那里摆着呢。刚来悉尼差点惊掉下巴的悉尼铁路，还在持续让人们认识它烂到无底 ... 那没办法，都是低端人口。最后发表：Laffey ...2 3 4	ajawin 2018-9-29 00:59	9310222	Laffey 2018-10-1 11:19
大家来评评理最后跟贴：极品飞熊发表于 2018-9-30 21:44 是这样的。一般如果超过10年以上，时不时不工作的，直接就换新的比较省钱省事。大罐桶的那种蓄水型的热水 ... 谢谢你的解释最后发表：tom-max	tom-max 2018-9-30 20:15	113189	tom-max 2018-10-1 09:19
已解决最后跟贴： MichelleBNE 发表于 2018-9-30 16:01 我觉得你过度解读60天的问题了，把你和中介的协议原文再拿出来看看。整个协议是建立在中介作为你的property ... 最后发表：anhon	eilish 2018-9-30 13:20	72809	anhon 2018-9-30 18:48
【耸人听闻】未来一年澳洲房地产下跌达40%？最后跟贴：一半房产一半现金，涨跌都很期待最后发表：游得好小鱼 ...2 3 4	revstar 2018-9-16 12:54	9312374	游得好小鱼 2018-9-30 17:49
商业地产房东责任 VS 民用地产房东责任最后跟贴：Commercial的合同内容很多... 最后发表：dingyipu	ADF93 2018-9-28 13:59	52666	dingyipu 2018-9-30 15:06

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地产投资今日: 4|主题: 31362