请问，不贷款买房，还可以拿到首次置业金吗？

yzy830328

问个问题，要是不贷款买房，一次性付清房款，还能拿到首次置业金吗？ 是不是需要自己申请了，还是找律师帮申请？还是找银行呢？

先谢了！

休

可以,自己申请也可,律师申请也可.

snow

只要是PR就可以的, 填表附上相关ID (DRIVER'S LICENSE+MEDICARE)

kingkongfei

http://www.sro.vic.gov.au/sro/SROWebsite.nsf/rebates_fhog.htm#1

3. Are you eligible to receive the grant?

To be eligible to receive the grant, the following criteria must be satisfied:

You and your spouse/partner must not have received a grant in any State or Territory of Australia.
You and your spouse/partner must not have owned residential property, either jointly, separately or with some other person prior to 1 July 2000, in any State or Territory of Australia
You and your spouse/partner must not have occupied for a continuous period of at least 6 months, a residential property in which either of you acquired a relevant interest on or after 1 July 2000 in any State or Territory of Australia.
You must be a natural person (not a company) and at least 18 years of age at the time of settlement or completion of construction
(Note: the Commissioner of State Revenue (the Commissioner) has a discretion under the Act to exempt an applicant from the age requirement where the home will be occupied as the applicant’s principal place of residence).  

You (or at least one applicant) must be a permanent resident or Australian citizen at the time of settlement or completion of construction of the home
(Note: A permanent resident includes the holder of a permanent visa under section 30(1) of the Migration Act 1958. New Zealand citizens holding a special category visa under section 32 of the Migration Act 1958 also satisfy this requirement).

You (or at least one applicant) must occupy the home as your/their principal place of residence for a continuous period of at least 6 months, commencing within 12 months of either settlement or completion of construction.
(Note: The Commissioner may approve a lesser period if he is satisfied that there are good reasons why you cannot comply with the 6-month requirement. The Commissioner also has a discretion to extend the 12-month period if satisfied that you cannot occupy the home within 12 months of settlement or completion of construction due to circumstances that were unforseen and beyond your control. If you wish to have the Commissioner exercise his discretion, you should contact us in writing as soon as you are aware that you may not be able to satisfy the residency requirement and provide reasons.)

brad

You and your spouse/partner must not have occupied for a continuous period of at least 6 months, a residential property in which either of you acquired a relevant interest on or after 1 July 2000 in any State or Territory of Australia.


请问，这个的意思是不是，如果自己第一套房子想当投资房，如果建好后或者settle后没办法马上租出去，可以先自住5个月，然后租出去还是不算 first home. 以后买自住房还是可以拿grant.

You (or at least one applicant) must occupy the home as your/their principal place of residence for a continuous period of at least 6 months, commencing within 12 months of either settlement or completion of construction.

这个的意思是不是，即使申请了grant, 这个房子还是可以先出租11个月，然后只要连续自住6个月就满足条件了。 如果这样，前11个月是否还是可以算negative gearing? 还是因为claim 自住，就不能报告投资房了？

谢谢

yzy830328

谢谢

brad

请问有人知道5楼问题的答案吗谢谢？

louice2217

对,只要符合政府的政策, 就可以拿来做抵税.

休

1,若果第一间买的是投资房,只要你不申请first home grand ,并上报是投资房.在纽省投资房是涉及land tax 的. 第二间买自住仍可享受first home grant.  
2,必须满足头12个月住满6个月条件,也就是半年后必须入住.不能做负扣税.

brad

谢谢休版，

第一个我明白了，政府判断是否是投资房的重点  是首先不要申请first home grant, 并且按照投资房交 比较高的 land tax ，这样即使没租出自己拿来放东西或者高兴了自己（或者父母朋友）住进去几天也没关系对吧, 就算没租金一样可以负扣税。

比如ACT一块地价值180K, land tax = 2070一年，而自住房的coucil rate 1000一年，
如果自己高兴交2070一年就可以当投资房，那样借给朋友住收很少的租金（或者干脆无租金收入）也是可以的吧：）

第二个我还是理解不一样，a continuous period of at least 6 months, commencing within 12 months of either settlement or completion of construction.
我理解是这连续6个月自住要在建设结束或者settelment的12个月内commence, 也就是开始就可以了。没看出来半年后必须入住啊?

[ 本帖最后由 brad 于 2009-1-11 23:38 编辑 ]

休

land tax 是每年都要交的,根据地价决定交多少.自住房不用交.全年完全没租金,不能做NG。

至于第二点我是根椐以前别人例子说的,文字上你的理解也没错.