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· 游走的人生--回国4年经历和感悟(34楼更新,62楼完结篇) (2007-11-22) 落梅摇香 · 晚餐象早点 (2005-8-24) binbingogo
· 自排档使用注意事项 (2008-7-25) 车友 · 自己动手,风衣足食,记我的Owner Builder建房历程。(206,207 & 209 楼更新, 内部石膏板完工) (2012-11-29) cloudaus
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查看: 1886|回复: 37

[自购小窝] Spend as much as you when you are buying a home! [复制链接]

发表于 2011-11-28 18:24 |显示全部楼层
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When you buying a house, spend as much as you can! It is not same as when you buying a car which should spend as less as you can!
Why? House is asset can generate income in the future and car is not!
It will be worth less half after 3 years!
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发表于 2011-11-28 19:12 |显示全部楼层
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哥们是被套牢了吗?

2008年度奖章获得者

发表于 2011-11-28 19:16 |显示全部楼层
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???

发表于 2011-11-28 19:27 |显示全部楼层
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?

发表于 2011-11-28 19:31 |显示全部楼层
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英文咆哮体?

发表于 2011-11-28 19:36 |显示全部楼层
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呵呵这哥们怎么了
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发表于 2011-11-28 19:36 |显示全部楼层
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有点抓狂了。

退役斑竹 2009年度奖章获得者

发表于 2011-11-28 19:38 |显示全部楼层
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冒充本地人?

发表于 2011-11-28 19:46 |显示全部楼层

Welcome everyone joining the discussion!

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Continued ...
I just read a article about the market is going to be recovered,  as there are some of the sign showing that.
Just want to share the experience to the new come .

发表于 2011-11-28 19:49 |显示全部楼层

向全体发难的足友真诚道歉!

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向全体发难的足友真诚道歉!

发表于 2011-11-28 19:57 |显示全部楼层
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我有点蒙。。。
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发表于 2011-11-28 19:58 |显示全部楼层

心里现在开始发㤺,怀疑上错了网站!

此文章由 MichaelNCS 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 MichaelNCS 所有!转贴必须注明作者、出处和本声明,并保持内容完整
无意冒犯各位,只是手写识别太慢!而且并不知道英文这么令各位讨厌!
而且也不知为什么只是一个观点而已!就招来不友好的回应!

发表于 2011-11-28 19:58 |显示全部楼层
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帐号被盗了?

退役斑竹 2009年度奖章获得者

发表于 2011-11-28 20:11 |显示全部楼层
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光脚不接受炮火洗礼,如何能成大鳄?

发表于 2011-11-28 20:20 |显示全部楼层
此文章由 白雲山民 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 白雲山民 所有!转贴必须注明作者、出处和本声明,并保持内容完整
LZ有理

還得有米才行。

发表于 2011-11-28 20:20 |显示全部楼层
此文章由 luluau 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 luluau 所有!转贴必须注明作者、出处和本声明,并保持内容完整
原帖由 MichaelNCS 于 2011-11-28 20:58 发表
无意冒犯各位,只是手写识别太慢!而且并不知道英文这么令各位讨厌!
而且也不知为什么只是一个观点而已!就招来不友好的回应!



没混过论坛? 在论坛哪有不挨砖的? 难道以前混中宣部的, 颂歌听多了?
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发表于 2011-11-28 20:21 |显示全部楼层
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那房产要是跌了,是不是就得捶胸顿足了。。。

发表于 2011-11-28 20:21 |显示全部楼层

光脚的怎么会怕穿鞋的!

此文章由 MichaelNCS 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 MichaelNCS 所有!转贴必须注明作者、出处和本声明,并保持内容完整
多谢版主指点!
此贴只是本人最近阅读了一篇关于买房的文章后,接受的关点,纯属好意!
欢迎各位有鞋批评、指导!

发表于 2011-11-28 20:23 |显示全部楼层
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请问楼主是怎么知道新足迹的?

发表于 2011-11-28 20:26 |显示全部楼层
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楼主第一段一个五个标点符号, 四个感叹号,一个问号。 这种激情澎湃的演说, 得到的回应, 要么是掌声和鲜花, 要么就是砖头和臭鸡蛋。

没有听过中介的讲座, 有听过的,给鉴定一下, 强调类似不?

发表于 2011-11-28 20:33 |显示全部楼层

我本善良

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向孟爷爷保证从没有当过公务园,否则绝对不会来澳洲。
只是我有以为足迹网的网友都是以助人为本,没做好心理准备。
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发表于 2011-11-28 20:37 |显示全部楼层

回复 kane321 19# 帖子

此文章由 MichaelNCS 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 MichaelNCS 所有!转贴必须注明作者、出处和本声明,并保持内容完整
怎么感觉有点象是在被审查的感觉!
坦白从宽!抗拒从严!
我交待•••请求宽大!

发表于 2011-11-28 20:40 |显示全部楼层
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谁是孟爷爷?

发表于 2011-11-28 20:42 |显示全部楼层
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原帖由 MichaelNCS 于 2011-11-28 21:33 发表
向孟爷爷保证从没有当过公务园,否则绝对不会来澳洲。
只是我有以为足迹网的网友都是以助人为本,没做好心理准备。



卿本轻狂

投资有风险, 一定要谨慎。 高手从来不敢给人投资帮助, 都是说个人观点,不构成投资建议。  你这读了一篇“檄文”一样的激进文章,就来帮助人了?

发表于 2011-11-28 20:50 |显示全部楼层
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想pay off也要有米啊.

发表于 2011-11-28 20:54 |显示全部楼层

绝对没想指导或误导!

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我意是指助人之人会从善之角度看问题而已。
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发表于 2011-11-28 20:54 |显示全部楼层
此文章由 小日子 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 小日子 所有!转贴必须注明作者、出处和本声明,并保持内容完整
楼主要推荐什么房产的话赶快, 这个论坛帖子淹没的飞一样, 别磨叽, 一干人等都想看看是什么好物业

[ 本帖最后由 小日子 于 2011-11-28 21:57 编辑 ]
别争了,你又赢了

发表于 2011-11-28 21:00 |显示全部楼层

转摘

此文章由 MichaelNCS 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 MichaelNCS 所有!转贴必须注明作者、出处和本声明,并保持内容完整
House and land packages across Melbourne's outskirts are dropping in price.

Vast tracts are being released for development and are driving prices down.

Lack of supply has been cited as a barrier to entry into the housing market by first-home buyers. But experts are now predicting demand will match supply by 2013/14 as a result of the Growth Areas Authority (GAA) streamlining its processes for bringing land to market.

The GAA has implemented a series of process improvements to cut down the amount of time taken from identifying land with potential for development, through to a home buyer being able to move into their property. The changes have led to ''a frontier'' of new development on Melbourne's fringe.

And, after years of under-supply pushing up the cost of house and land packages, the GAA is hoping the result will be to restore affordability in Melbourne's growth areas of Casey, Cardinia, Hume, Melton, Mitchell, Whittlesea and Wyndham.

The impact of the changes are already being keenly felt in the City of Casey, south of Melbourne, where the GAA recently announced a land release in Clyde North, which is expected to eventually house 18,500 residents.

John Tucker, principal of Finning First National Real Estate in Cranbourne, says the Clyde North release will add to the dozen subdivisions being developed in the area at present. And prices have already dropped as a result.

''In some subdivisions you can buy blocks of land for between $175,000 to $185,000. Twelve to 18 months ago you would struggle to find much under $200,000,'' Mr Tucker says.

GAA chief executive Peter Seamer says the process leading up to a release of land is complex.

The first step is to identify land on Melbourne's fringe that can be included in the urban growth boundary, which means it is potentially available for development. The GAA then develops a masterplan for the land, called a PSP or Precinct Structure Plan.

Creating a PSP involves consulting with all the key stakeholders, including government, council, landowners and developers, to reach agreement on aspects of design, such as where schools, shops and community centres will be located. Reaching a consensus can be a challenge, he says.

''Then we need to get planning permits and subdivision permits from council and then, at the end of the day, you need a building program. Two years ago, that process was taking six years,'' Mr Seamer says. ''We have got it down below two years.

This has ensured land is released in a timely fashion and helps improve housing affordability throughout Melbourne.''

To streamline the process, the GAA has combined steps such as enabling developers to obtain planning permits at the same time as the subdivision.

In line with a push for greater density, the GAA has also announced that 90 per cent of small lots, those under 300 square metres, will no longer require a planning permit, again serving to speed up the process. ''It will be rolled out with new areas at Christmas and then looked at in the other areas,'' Mr Seamer says.

The executive director of Villawood Properties, Rory Costelloe, has been developing land in Melbourne for the past 13 years and says the impact of GAA's more rapid identification and release of vast areas of land has given developers more certainty and will have a huge impact on prices, which have already dropped as a result of the global downturn.

Mr Costelloe says lack of supply had increased the raw land component of a block from 15 per cent to 20 per cent up to ''unsustainable'' levels of 30 per cent to 40 per cent. 'The price has got to come back down to the 15 [per cent] to 20 per cent of your price of the block to restore the affordability.'

Mr Costelloe says he has no doubt supply of land will meet demand by 2013 or 2014 under the new regime.

''There's been pent up demand for the last 10 years; we've never caught up with our demand. ''Australia's peak population increase in 2009 of 457,000, which was nearly double any other year in the last 60 years, has just taken time to wash through and that caused a great demand in 2010 which pushed prices up and everyone just ran out of stock.''

The GAA's new processes will reduce the price of raw land, Mr Costelloe says, and he hopes it will mean the end of speculative buying where people were ''just taking up options on the land and holding them and trying to resell them to real developers, like ourselves, for much higher prices''.

''Because of the economic turmoil, the original landowners won't be as greedy and ask such high prices because there will be plenty of choice,'' he says. ''By 2013/2014 there'll be so much land available on the ground, supply truly meets demand and the whole question of Melbourne affordability is completely solved.

''We're not going to have an artificial constraint which has caused that blow-out in prices, so it will be very, very good for the home buyer that the supply is being restored.''

Keeping an eye on the land supply situation is buyer's advocate Peter Hay, who predicts the supply of land will outstrip demand in the next few years. While he says prices won't begin to increase in growth areas until 2015 or 2016, he encourages first home buyers to act now.

''In the next 12 months go out there and get your first home. It's definitely a buyers' market. There's plenty of supply in the outer suburbs and its getting cheaper.

''Pick your block, buy the biggest you can afford,'' he says.

And there are quality estates being built on Melbourne's fringes, including in Pakenham, South Morang and Melton South, he says.

He also recommends looking at the north and northwest side of the city, which he believes will be transformed by significant infrastructure projects, with the Regional Rail Link and proposed Outer Metropolitan Ring road improving access to and from the city.

''[These projects] will transform the western side of Melbourne.''

发表于 2011-11-28 21:14 |显示全部楼层

另一篇转摘:know whether the market is turning!

此文章由 MichaelNCS 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 MichaelNCS 所有!转贴必须注明作者、出处和本声明,并保持内容完整
There are several signs that change is in the air but keep an eye on the whole picture.

A lot more people would be millionaires if the knack for picking the bottom of the property market was a widespread talent. It's not.

Even experts can be certain the market has hit rock bottom only in hindsight, after clear-cut evidence the real estate cycle has lifted a notch or two and prices have begun to head north.

But there are many indicators of a market upswing to keep an eye out for. And weekly monitoring of the leading signs will help you make informed decisions about whether the market has plateaued or is poised to fall further.

Larger crowds at auctions are one of the strongest barometers of an improving market.

The managing director of Wakelin Property Advisory, Monique Sasson Wakelin, says higher attendances at open inspections and auctions in the sub-$600,000 bracket are a key indicator because this market segment is especially vulnerable to shocks.

She says there are six other signs that help identify whether a market is set for a bounce.

These include: an increase in the number of buyer inquiries to agents and buyer advocates; auction clearance rates that at first stabilise and then creep up; and the return of first-home buyers and investors to the market.

Another reliable gauge is the first cut in official interest rates after a long period of rate stability or rate rises.

The Reserve Bank's 25-basis-point cut to the cash rate on November 1 might confirm this theory. According to Ms Wakelin, another sign of imminent market change is when fixed three-year interest rates are lower than the variable rate, something that's happening in the current lending market.

Last but not least in Ms Wakelin's edited list of market-health indicators is that much-decried sign: talking real estate around the dining table.

When people talk property at dinner parties and can be overheard in restaurants discussing up-and-coming areas and the nuances of interest-only loans, she says, it's a sure sign things are looking up.

Ms Wakelin believes the Sydney housing market hit the bottom three or four months ago, with Melbourne at a similar point right now.

Investors and home buyers need to view real estate as a series of markets, not a single, immutable entity. Different dwellings and different areas of the same city can be chalk and cheese, as many people have discovered.

Michael Buxton, a leading urban planning researcher at RMIT University, believes demand for inner-urban apartments in Melbourne will drop off in the next two years because of an oversupply in units and a fall in net overseas migration to Australia.

Elite Buyer Advocates senior advocate Catherine Cashmore says low-end high-rise apartments are already experiencing difficult market conditions. Many of these units, in her opinion, don't meet first-home buyers' needs.

Melbourne's outer-suburban growth corridors also face slow growth but for another reason - a lack of infrastructure. But Ms Cashmore says there's a shortage of quality houses and units in inner and middle-ring suburbs.

It's a mistake to think real estate in high-demand areas will keep dropping in price, she says.

''We're already seeing a higher number of properties being withdrawn from the market each weekend as vendors choose to tough it out in the hope of better times ahead,'' she notes. '

'Good stock - particularly in the inner-city suburbs - is diminishing [and] in my opinion, we hit the bottom of the market a few weeks ago.''

发表于 2011-11-28 21:20 |显示全部楼层
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Car and house are both important.

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