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利息降了, 我哭啊最后跟贴：原帖由 bee4217 于 2009-2-6 09:00 发表已经中高收入了还要政府给钱？！什么逻辑 agree 福利 is for POOR PEOPLE. And it is SOCIALISM we had been educated for a long long time. Now I see it in a capitalism country. 最后发表：大球球	lyrtech 2009-2-3 21:01	183070	大球球 2009-2-6 09:16
这4个unit哪一个更容易卖掉？最后跟贴：Rockdale, been live in this area for 15years Rockdale so convinient, got plaza, major bus station and train station (fast line, allwah and carton only slow train will stop). plus rockdale station area got a lot of shops too, don t need to go to plaza 最后发表：icac	margaretyy 2009-1-6 20:13	122454	icac 2009-2-5 08:59
House prices keep falling 最后跟贴：我觉得最后的硬指标就是看失业率，失业率上升到什么程度，房价就会受影响到什么程度，今年会是失业率一直上升的一年。最后发表：江南叶	aruba 2009-2-2 15:19	21592	江南叶 2009-2-5 08:21
请教老妖和高手，关于hillsdale购买uint 最后跟贴：thanks 还能具体点吗最后发表：qj94	qj94 2009-2-3 21:03	31617	qj94 2009-2-4 23:22
RBA cut 1% to 3.25% 最后跟贴：Do not make any move/refinance today. They are the same club. When RBA cuts another 0.25% next time, only ANZ and Westpac follow while CBA and NAB remain unchange. 最后发表：bushwalking	patricb 2009-2-3 14:31	282997	bushwalking 2009-2-4 15:52
800,000 jobless in 16 months 最后跟贴：Tim Colebatch February 4, 2009 THE Treasury has stopped short of forecasting that Australia is heading for recession, instead predicting that the economy will grow by a minimal 0.75 per cent next financial year — while unemployment climbs to 7 per cent. The figure implies that within 16 months, roughly 800,000 Australians will be unemployed, up from 500,000 last December, and that unemployment by mid-2010 will be almost double the 458,000 officially out of work a year ago. But Treasury's forecasts imply that the worst of this slump — which it is not yet ready to call a recession — could lie even further ahead. It sees employment skidding downhill in coming months, then remaining flat over 2009-10 while unemployment grows by almost 20,000 a month. The recession of 1990-91 really began in late 1989, but unemployment did not peak until three years later, by which time it was 11 per cent. The International Monetary Fund last week forecast that this will be the worst global slump since the Great Depression of the 1930s. The Treasury forecasts released yesterday are stun-ningly different from those it put out three months ago. At the time, the global economy was crashing around us, and business sales were slumping, yet the Treasury told us it would do no more damage to Australia than the introduction of the GST. It sees a different world now. It forecasts that business investment will be flat over this financial year, then crash by 15.5 per cent in 2009-10. Consumer spending, which makes up 60 per cent of economic activity, would grow just 0.5 per cent. Export volumes would grow just 0.5 per cent next year, while prices would crash, pushing the terms of trade down and the current account deficit up. Total spending in the economy would actually shrink by 0.25 per cent, the Treasury predicts, and the only reason output would rise is that with business buying fewer machines, the import share would fall. The Treasury does not publish its estimates of population growth. But if one assumes the population grows by 1.5 per cent a year, that would imply that GDP per head — the real bottom line of the economy — would fall by 0.5 per cent in 2008-09, and a further 0.75 per cent in 2009-10. But it would not be a bad time for those who keep their job. Treasury expects inflation will be down to 2 per cent by June, and stay there, whereas hourly wages will rise 3.75 per cent this year and 3.25 per cent next year. Those in work will be better off than ever. 最后发表：geordie	geordie 2009-2-4 01:04	01487	geordie 2009-2-4 01:04
诚心请教熟悉kogarah地区的大侠最后跟贴：搞错了吧,kogarah 被中国人占领还差不多. 最后发表：休	lynzheng 2009-1-21 20:41	283270	休 2009-2-3 22:29
Baulham Hills 房价最后跟贴：35万-45万，那里apartment都比较新，基本是3房。最后发表：笨手笨脚	txzhz 2009-2-2 10:02	21873	笨手笨脚 2009-2-3 21:00
交了deposit后双方有binding obligation吗？最后跟贴：是这样的，所以说1k的deposit 也只是锁定当时的价钱，如果你晚了一步，别人出了更高的价钱，你还是拿不到房子的。 1k deposit 一般在2个星期内都可以退的最后发表：大脑袋	icesky 2009-2-2 15:06	31715	大脑袋 2009-2-3 12:36
都说房子再降，可我发现。。。最后跟贴：唉～～ (paopaobing(51)) 最后发表：jackma ...2	老猫 2008-12-12 11:49	355207	jackma 2009-2-2 21:46
关于买房的疑问最后跟贴：原来如此。。我下周等两个房子的回应了。。已经给了offer。。不过都不是你说的这个中介最后发表：kyu ...2	kyu 2009-1-25 10:52	544934	kyu 2009-2-1 23:19
请教老妖，关于Epping购买Villa 最后跟贴：Stanley Rd 那边有一片Villa，大概在500-600k之间应该说Epping以火车线为界，火车线西边属于Parramatta，东边属于Hornsby，Coles在西边，靠近Boronia Park Epping的小学最好的可能是Epping West，Epping Public 也不错。最后发表：zyzbill	sheilaloo 2009-1-31 22:48	21596	zyzbill 2009-2-1 18:41
如果要卖房子，大概有什么费用？最后跟贴：多谢楼上的最后发表：西贝贝	西贝贝 2009-1-31 03:17	21722	西贝贝 2009-1-31 19:01
hurstville买房请大家推荐律师最后跟贴：ding 最后发表：qj94	qj94 2009-1-26 20:36	11898	qj94 2009-1-30 21:25
现在卖房的是不是有点紧张？最后跟贴：今下午一中介电话我 ,,买房. 卖房不...都不认识... 最后发表：baby2008	letbe 2009-1-29 22:21	61981	baby2008 2009-1-30 19:33
墨尔本悉尼路的房子如何最后跟贴：相比之下 lygon st 就好了很多，而且是很繁华的商业街。很值得考虑最后发表：大脑袋	workhard 2009-1-28 14:27	71659	大脑袋 2009-1-30 15:44
看合同的时候需要留心些什么内容？最后跟贴：还是要找律师的，简单看的话就是看价格，地址是否一致。还有section 32里面的 floor plan 最后发表：大脑袋	sheilaloo 2009-1-19 13:05	122514	大脑袋 2009-1-30 15:42
SMH: Vic house prices drop 10% in a year 最后跟贴：拿出来卖的房子也少了吧，而且在卖的很多房子都是在甩卖。最后发表：大脑袋	nnm 2009-1-30 14:03	21428	大脑袋 2009-1-30 15:34
这个房子的外墙是什么结构的？最后跟贴：marsfield我住过２年。。就是在那条街。。那街只有２０年的历史。加上边上的taranto rd。。离学校近。。别的没什么最后发表：kyu	yssn 2009-1-29 17:27	71621	kyu 2009-1-30 14:33
紧急求助: 哪家银行做45平方米以下房子的mortgage?--已解决，谢谢大家~ 最后跟贴：恭喜lz。我也打算贷款买CITY的app，还在研究之中。。情况跟你那时的差不多，能否加我 msn: kokomel_yap@hotmail.com 我有很多问题想咨询，如果你有空的话，我看好了在collin st的，就一房这样。。呵呵。。谢谢拉最后发表：nonomoon88	kingkongfei 2009-1-5 14:20	142025	nonomoon88 2009-1-29 11:40
{求助} 对冲帐户余额超过贷款帐户余额就行了么？最后跟贴：可以转成interest only就不会有repayment的烦恼了，而且你的loan的limit也不会逐渐减少。最后发表：pengwang	T-shirt 2009-1-28 19:33	81685	pengwang 2009-1-28 23:47
【Mortgage Choice】Residex Report 房价报告你点我送！最后跟贴：Could you please upload the result for 48 BOADLE ROAD BUNDOORA? Many thanks! 最后发表：sinbapj ...2 3	MortgageChoice 2008-10-13 18:36	726734	sinbapj 2009-1-28 10:18
失业率攀升后，房价怎么走？最后跟贴：这里还有一个很重要的市场信心的问题，房地产的投资是长线投资，如果大家都对未来的前景看淡，一般都不会轻易入市的。最后发表：wdmznzd ...2 3	wwwgjhxx.w5 2009-1-23 10:22	756982	wdmznzd 2009-1-28 06:44
Housing 'severely unaffordable' 最后跟贴：是否还要考虑到NG对房价的影响。其他国家似乎没有这个政策吧？最后发表：lyrixyang	rosyywu1 2009-1-26 13:28	51635	lyrixyang 2009-1-27 14:03
st albans,hoppingcrosing,werribe 最后跟贴：do not go to werribe 最后发表：motojazz	南蛮子 2009-1-15 23:58	81776	motojazz 2009-1-27 09:36
请问，现在MCM贷款广告上三年定息4.99% 最后跟贴：多些！看来要当面去了解最后发表：flying88	flying88 2009-1-25 11:34	21590	flying88 2009-1-25 18:18
有没有人用过新世纪信贷（SAS）做过home loan？口碑如何？最后跟贴：原帖由球迷甲于 2009-1-20 08:47 发表没有人知道么？：（(monkey19) 是办公室在BROADWAY 的那个吗? 不好, 不要找. 最后发表：JuJu	球迷甲 2009-1-19 15:26	21572	JuJu 2009-1-25 15:24
about VIC's stamp duty 最后跟贴：原帖由 tigerwinnie 于 2009-1-23 13:43 发表那么这个stamp duty 怎么算出来的呢？去咨询贷款时，每个银行算出来的数是不一样的？真的很疑惑！ DIY http://www.sro.vic.gov.au/sro/SROWebSite.nsf/transfer 最后发表：patricb	youthcentry 2009-1-18 12:50	61739	patricb 2009-1-25 11:32
投资房产，一套还是两套？呼唤老妖最后跟贴：这个信息如果是真的，那我就要先恭喜楼主了。从我的角度考虑，如果政府能批准建很多高楼，注意，如果真的是很多“高楼”，那就是区域建设和房价升值的潜力要体现了。十年前的Chatswood就是很好的例子。最后发表：something110 ...2 3	superufo 2009-1-13 12:25	897651	something110 2009-1-23 18:34
求助讨论最佳投资方案最后跟贴：最近看了不少相关论坛和文章，对于投资房产。。。所以，自己也作了不少计算功课。。。介绍下背景，希望大家一起讨论是否可行，如何可以最大化自己的利益。。。刚贷款买下一套房子，为了拿政府补助的2万6，但考虑到以后可能会从自住转成投资，所以贷款是用offset account+ variable interest. 如今利率是6。07%左右，贷款大约350000，一个月利息为1770左右。。。房子预计7，8月完成建造，到时候可以拿到政府补贴2万6，外加自己一些收入和家人帮助，大约总共50000，应该都存入offset account,和贷款对冲，一个月利息为 1500左右。。。因为爷爷奶奶自己拥有一套房子，新房子造好将和我一起搬入新房子，将原来的房子出租，一个月收入大约1700左右，将全部给我还每个月的利息。。。考虑到爷爷奶奶是拿养老金，收入有规定，所以象征性意义上他们会用收入支付我房租，以保证他们的养老金正常。。。但问题来了，这样，等于我就有了额外的收入，要付额外的税，而且不能抵扣。。。所以，开始寻求办法可以尽量少付税。。。我自己想了个办法，不知道是否可行，希望大家给点意见第一，新房子住半年后，转为投资房，爷爷给我的房租，等于收入，收入低于利息的部分作为损失，用来扣税。。。但问题又来了，因为算了算，收入基本高于我每个月要付的利息，或者持平，所以等于没有损失，那就不能扣税了。。。如果爷爷把房子的名字改称我和我妹妹的，那么理论上收入一份为二，一个月我的收入部分就是850，但是这个收入是否能拿来冲我新房子的利息呢？第二，因为offset account里有大约5万，我是否可以用这钱，再次投资，买一套投资房，出租呢？因为爷爷房子的收入基本可以抵消我每个月的利息，那我自己本身的工资等于可以全部做其他投资。。。如若第二个可行，再买一套投资房，我有两个考虑，一种是投资在租金汇报比较高的unit/apart之类的，价格在20万左右，贷款15万。。。另一个是贷款买下爷爷的房子，因为只须支付房子一半的价格，大约20-25万左右，house 以后土地的增值可能比unit更好。。。但可能又牵扯到房租收入的问题了。。。房产这个事情，还真是很大学问，希望大家给我多点意见，一起讨论下，哪个方案比较好 [ 本帖最后由 aitingwang 于 2009-1-23 12:57 编辑 ] 最后发表：aitingwang	aitingwang 2009-1-23 12:19	01225	aitingwang 2009-1-23 12:19
急，买房用谁的名义好？最后跟贴：原帖由 snowbird 于 2009-1-21 23:16 发表如果是投资房，我印象里面是谁的名字就退谁的吧，如果两个人的话，各50％正解~！！最后发表：angelaleewi99	joyyk 2009-1-21 22:02	121901	angelaleewi99 2009-1-23 11:39
大家觉得Sydney Gladesville这个区怎么样？最后跟贴：原帖由 snowcat 于 2009-1-21 22:18 发表 Victoria Rd早上从Gladesville进city的话在Drummoyne那一段是要堵车的，要过Iron Cove Bridge，在那可以堵一个小时。而且Gladesville离Top Ryde Shopping Centre还是有点距离，起码走是走不到的，那还不如住Ryde了 ... 的确非常堵！Peak hour走Victoria Rd是种折磨. 最后发表：anitallyy	happystep 2009-1-20 09:44	155006	anitallyy 2009-1-22 20:46
刚一看上网又看到BHP裁6000人，感觉今年的失业率不会低了，买房子看来还再等等。。。最后跟贴：上周六在ALLAWAH,几十人排队inspect同一个apartment,场面相当壮观。最后发表：margaretyy	steven_sa 2009-1-21 14:07	31769	margaretyy 2009-1-21 20:12
私人出租房子各位是如何处押金的? 最后跟贴：最后发表：蓝豆豆	蓝豆豆 2009-1-19 10:54	41752	蓝豆豆 2009-1-20 11:14
去看房子主要看哪些东西最后跟贴：买二手房就像买二手家具一样, 不退不换:si57 最后发表：louice2217	kyu 2009-1-18 22:21	11727	louice2217 2009-1-19 17:58
再问OFFSET与REDRAW的区别最后跟贴：对，就是叫package，但每个银行的产品名称不一样。你自己的需要，要好好跟broker或者lender谈一谈，让他们给你选一种最适合你的产品。我觉得broker比lender更好的一点，是broker了解很多种银行的产品，而不是单单局限于一个银行。最后发表：JuliaTung ...2	岁月留下的痕迹 2008-12-11 16:36	494777	JuliaTung 2009-1-19 16:31
non bank loan, what could be the risk ? 最后跟贴：lz 现在怎样啦？最后发表：mayamaya	hereIam 2009-1-16 22:13	91814	mayamaya 2009-1-19 15:55
HOUSE PRICES IN AUSTRALIA: 1970 TO 2003 FACTS AND EXPLANATIONS 最后跟贴：Between 1970 and 2003, Australian real house prices rose by over 3 per cent per annum. On a quality-adjusted basis, house prices rose by about 2.3 per cent per annum. Over this period, there were four house price booms: 1972-74, 1979-81, 1987-89 and 1996 to 2003. 1972-74: This period was characterised by high income growth, rising commodity prices with the first oil crisis, high migration, and negative real mortgage rates. The combination of high inflation, full negative gearing and no capital gains tax produced high returns to investors. 1979-81: The second oil crisis sparked a renewed commodity price and income boom; real interest rates were low; the policy setting continued to be favourable for investors. 1987-89: There was high growth in income and in migrants. The collapse of the stock market in September 1987 sparked a flow of funds into housing. However, unlike in earlier booms, nominal and real interest rates were high. 1996-2003: This period was again characterised by high growth in income and migrants (at least later in the period). Nominal interest rates were especially low. Investor demand for housing was high. The boom appeared to get a second wind from the fall in world stock markets and from favourable policy settings for investors, including negative gearing combined with high marginal tax rates and a perceived lowering of the CGT. There is a strong negative relationship between real house prices and real mortgage: a one percentage point rise /fall in the real mortgage rate will lead to a fall/rise in house prices of 5.4 per cent on average. 最后发表：青红皂白	wil 2009-1-6 19:01	61922	青红皂白 2009-1-18 16:14
买房没有退税怎么办? 最后跟贴：你说的是NSW, LZ说的是ACT, 不同制度. 最后发表：Artcore	travel 2009-1-13 01:12	51811	Artcore 2009-1-17 07:41
澳洲公民在国内买房子最后跟贴：请问有澳洲公民在北京买房子的同学么？如果刚入籍，还有国内身份证户口本，国内无房产，但有公积金，可以用公积金贷款么？最后发表：funfun	funfun 2009-1-17 07:13	01515	funfun 2009-1-17 07:13

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地产投资今日: 41|主题: 30784