{"id":5856,"date":"2021-06-17T23:09:27","date_gmt":"2021-06-17T13:09:27","guid":{"rendered":"https:\/\/fleximortgage.com.au\/?p=5856"},"modified":"2021-06-17T23:19:46","modified_gmt":"2021-06-17T13:19:46","slug":"14-buoc-ban-can-biet-khi-vay-mua-nha-flexi-mortgage","status":"publish","type":"post","link":"https:\/\/fleximortgage.com.au\/en\/14-buoc-ban-can-biet-khi-vay-mua-nha-flexi-mortgage\/","title":{"rendered":"Quy tr\u00ecnh vay mua nh\u00e0 t\u1ea1i \u00dac"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"5856\" class=\"elementor elementor-5856\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8b75628 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8b75628\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ce9b251\" data-id=\"ce9b251\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9accc3b elementor-widget elementor-widget-text-editor\" data-id=\"9accc3b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<h2><strong>B\u01b0\u1edbc 1: V\u1ebd ng\u00f4i nh\u00e0 \u01b0\u1edbc m\u01a1 \u2013 Quy tr\u00ecnh mua nh\u00e0 t\u1ea1i \u00dac<\/strong><\/h2><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Roboto; font-weight: var( --e-global-typography-text-font-weight );\">Giai \u0111o\u1ea1n n\u00e0y c\u1ea7n xem x\u00e9t c\u00e1c v\u1ea5n \u0111\u1ec1 sau:\u00a0\u00a0<\/span><\/p><ul><li><b>Lo\u1ea1i nh\u00e0 m\u00ecnh th\u00edch:<\/b> house, Townhouse or appartment.\u00a0 Townhouse v\u00e0 apartment ph\u1ea3i tr\u1ea3 th\u00eam ph\u00ed\u00a0strata. D\u1ea1ng house v\u00e0 1 s\u1ed1 c\u0103n duplex ko tr\u1ea3 ph\u00ed n\u00e0y.<\/li><li><b>V\u1ecb tr\u00ed: <\/b>Khu d\u00e2n c\u01b0 an ninh, profile c\u01b0 d\u00e2n s\u1ed1ng \u1edf \u0111\u00f3, thu nh\u1eadp trung b\u00ecnh<\/li><li><strong>T\u00ecm hi\u1ec3u \u0111\u1ed9 ti\u1ec1m n\u0103ng c\u1ee7a khu \u0111\u1ea5y.<\/strong>\u00a0Ki\u1ec3m tra Median price v\u00e0\u00a0Annual capital growth. Khu n\u00e0o ch\u00ednh ph\u1ee7 b\u1ecf ti\u1ec1n v\u00e0o x\u00e2y d\u1ef1ng c\u01a1 s\u1edf v\u1eadt ch\u1ea5t nhi\u1ec1u, ho\u1eb7c l\u00e0 quy ho\u1ea1ch \u0111\u1ec3 l\u00e0m trung t\u00e2m h\u00e0nh ch\u00ednh\u2026..th\u00ec khu \u0111\u00f3 l\u00e0 ti\u1ec1m n\u0103ng, gi\u00e1 nh\u00e0 s\u1ebd l\u00ean cao.<\/li><li>B\u00e1n k\u00ednh c\u00e1ch ch\u1ed7 l\u00e0m, ho\u1eb7c c\u00e1i ch\u1ed7 m\u00ecnh c\u1ea7n t\u1edbi lui th\u01b0\u1eddng xuy\u00ean l\u00e0 bao nhi\u00eau.<\/li><li>Th\u00edch g\u1ea7n bi\u1ec3n, g\u1ea7n trung t\u00e2m, hay ngo\u1ea1i \u00f4, th\u00edch g\u1ea7n r\u1eebng hay g\u1ea7n su\u1ed1i \u2026\u2026<\/li><li><strong>Budget<\/strong>\u00a0t\u1ea7m bao nhi\u00eau.\u00a0Ki\u1ec3m tra\u00a0credit score\u00a0c\u1ee7a m\u00ecnh r\u01a1i v\u00e0o t\u1ea7m bao nhi\u00eau,\u00a0C\u00f3 th\u1ec3 vay t\u1ed1i \u0111a bao nhi\u00eau.\u00a0<a href=\"https:\/\/fleximortgage.com.au\/en\/borrowing-power-calculator-vay-mua-nha-danh-cho-nguoi-viet-tai-uc\/\" target=\"_blank\" rel=\"noopener\">T\u00ednh kh\u1ea3 n\u0103ng vay<\/a><\/li><li>C\u00f3 \u0111\u00e1p \u1ee9ng free stamp duty ho\u1eb7c\u00a0First home owner grant\u00a0(nh\u00e0 d\u01b0\u1edbi 800k, NSW, nh\u00e0 m\u1edbi x\u00e2y), c\u00f3 tr\u1ea3 ph\u00ed\u00a0<a href=\"https:\/\/fleximortgage.com.au\/en\/lmi-la-gi\/\" target=\"_blank\" rel=\"noopener\">LMI<\/a>\u00a0hay kh\u00f4ng (Lenders Mortgage Insurance) n\u1ebfu deposit d\u01b0\u1edbi 20%.\u00a0\u00a0<\/li><li>X\u00e1c \u0111\u1ecbnh s\u1ed1 ti\u1ec1n m\u00ecnh c\u1ea7n deposit: 10%, 20% hay 30%.\u00a0Genuine Savings (3 th\u00e1ng): n\u1ebfu deposit tr\u00ean 20% th\u00ec ko c\u1ea7n kho\u1ea3n n\u00e0y.\u00a0<\/li><li>Tr\u01b0\u1eddng h\u1ecdc th\u1ebf n\u00e0o, n\u00ean ch\u1ecdn tr\u01b0\u1eddng t\u1ed1t cho c\u1ea5p 2 ch\u1ee9 ko ph\u1ea3i c\u1ea5p 1. C\u1ea5p 1 ph\u1ea7n l\u1edbn tr\u01b0\u1eddng t\u1ed1t h\u1ebft, nh\u01b0ng c\u1ea5p 2 th\u00ec kh\u00f4ng. Teenager kh\u00f3 d\u1ea1y h\u01a1n n\u00ean c\u1ea7n ch\u1ecdn 1 m\u00f4i tr\u01b0\u1eddng t\u1ed1t, an to\u00e0n.\u00a0<\/li><\/ul><h2><strong>B\u01b0\u1edbc 2: Ph\u00e2n t\u00edch t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh-Quy tr\u00ecnh mua nh\u00e0 t\u1ea1i \u00dac<\/strong><\/h2><p>\u1ede b\u01b0\u1edbc ph\u00e2n t\u00edch t\u00e0i ch\u00ednh n\u00e0y b\u1ea1n c\u1ea7n tr\u1ea3 l\u1eddi c\u00e1c c\u00e2u h\u1ecfi sau:<\/p><ul><li>L\u01b0\u1ee3ng ti\u1ec1n m\u1eb7t \u0111\u1ec3 d\u00e0nh c\u00f3 s\u1eb5n trong tk l\u00e0 bao nhi\u00eau.\u00a0<\/li><li>Cho ai vay m\u01b0\u1ee3n bao nhi\u00eau, kh\u1ea3 n\u0103ng \u0111\u00f2i \u0111\u01b0\u1ee3c \u0111\u00fang h\u1ea1n ra sao<\/li><li>T\u00ecnh h\u00ecnh kinh doanh (n\u1ebfu c\u00f3), d\u00f2ng ti\u1ec1n m\u1eb7t h\u00e0ng th\u00e1ng th\u1ebf n\u00e0o\u00a0<\/li><li>C\u1ed5 phi\u1ebfu, c\u1ed5 ph\u1ea7n hi\u1ec7n t\u1ea1i th\u1ebf n\u00e0o, c\u00e1i n\u00e0o c\u00f3 t\u00ednh thanh kho\u1ea3n cao\u00a0<\/li><li>\u0110\u1ea5t \u0111ai \u1edf Vi\u1ec7t Nam: mi\u1ebfng n\u00e0o c\u00f3 gi\u00e1 tr\u1ecb cao\u00a0<\/li><li>Vay cha m\u1eb9 anh ch\u1ecb trong gia \u0111\u00ecnh t\u1ea7m bao nhi\u00eau\u00a0<\/li><li>D\u00f2ng ti\u1ec1n trong 1, 2 n\u0103m trong t\u01b0\u01a1ng lai l\u00e0 th\u1ebf n\u00e0o, c\u00f3 th\u00eam ngu\u1ed3n thu nh\u1eadp n\u00e0o trong t\u01b0\u01a1ng lai (\u0111\u1ec3 ch\u1ecdn offset account option)\u00a0<\/li><li>H\u00e0ng th\u00e1ng chi ph\u00ed gia \u0111\u00ecnh t\u1ea7m bao nhi\u00eau, l\u00ean b\u1ea3ng excel\u00a0<\/li><li>N\u1ebfu \u0111ang c\u00f3 n\u1ee3 n\u1ea7n g\u00ec, kho\u1ea3n vay n\u00e0o th\u00ec li\u1ec7t k\u00ea v\u00e0 t\u00ednh d\u00f2ng ti\u1ec1n h\u00e0ng th\u00e1ng.\u00a0\u00a0<\/li><li>Sau khi tr\u1eeb chi ph\u00ed, th\u00ec m\u00ecnh c\u00f3 th\u1ec3 \u0111\u00f3ng cho ng\u00e2n h\u00e0ng t\u1ea7m bao nhi\u00eau h\u00e0ng th\u00e1ng. T\u1eeb \u0111\u00f3 quy\u1ebft \u0111\u1ecbnh kho\u1ea3n vay 20 n\u0103m, 25 hay 30 n\u0103m. V\u00e0 s\u1ed1 ti\u1ec1n t\u1ed1i \u0111a m\u00e0 m\u00ecnh c\u00f3 th\u1ec3 tr\u1ea3 cho ng\u00e2n h\u00e0ng (g\u1ed1c v\u00e0 l\u00e3i) l\u00e0 bao nhi\u00eau 1 th\u00e1ng\u00a0<\/li><li>Xem th\u1eed h\u1ed3 s\u01a1 vay bank \u0111\u1ee9ng t\u00ean 1 ng\u01b0\u1eddi hay c\u1ea3 2 v\u1ee3 ch\u1ed3ng. N\u1ebfu nh\u00e0 \u0111\u1ee9ng t\u00ean 2 ng\u01b0\u1eddi th\u00ec h\u1ed3 s\u01a1 vay ph\u1ea3i 2 ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean. C\u00e1i n\u00e0y c\u00f3 l\u01a1i v\u1ec1 thu\u1ebf n\u1eefa n\u1ebfu gia \u0111\u00ecnh c\u00f3 1 ng\u01b0\u1eddi \u0111ang tr\u1ea3 max level thu\u1ebf. N\u1ebfu 2 ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean th\u00ec khi b\u00e1n c\u00f3 th\u1ec3 sang b\u1edbt qua cho partner c\u1ee7a m\u00ecnh.<\/li><li>C\u00e1i n\u00e0y tu\u1ef3 v\u00e0o thu nh\u1eadp m\u1ed7i ng\u01b0\u1eddi v\u00e0 s\u1ed1 ti\u1ec1n m\u00ecnh mu\u1ed1n vay. Test c\u00e1c tool online \u0111\u1ec3 c\u00f3 c\u00e1i nh\u00ecn chung.\u00a0<a href=\"https:\/\/fleximortgage.com.au\/en\/borrowing-power-calculator-vay-mua-nha-danh-cho-nguoi-viet-tai-uc\/\" target=\"_blank\" rel=\"noopener\">Kh\u1ea3 n\u0103ng vay<\/a>.\u00a0<\/li><li>T\u00ednh th\u1eed t\u1ed5ng s\u1ed1 ti\u1ec1n deposit c\u00f3 th\u1ec3 gom \u0111\u01b0\u1ee3c l\u00e0 bao nhi\u00eau.\u00a0Gom cho \u0111\u1ee7 20% v\u00e0 ti\u1ec1n stamp duty t\u1ea7m 50k \u2013 60k . Tuy nhi\u00ean n\u00ean chu\u1ea9n b\u1ecb kho\u1ea3n d\u1ef1 ph\u00f2ng cho c\u00e1c chi ph\u00ed linh tinh kh\u00e1c. Vd ti\u1ec1n \u0103n 3 th\u00e1ng t\u1edbi, c\u00f3 th\u1ec3 mua over budget t\u1ea7m 10% c\u0169ng ph\u00e1t sinh th\u00eam ti\u1ec1n deposit v\u00e0i ch\u1ee5c ng\u00e0n.\u00a0<\/li><\/ul><h2><strong>B\u01b0\u1edbc 3: Chu\u1ea9n b\u1ecb gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft<\/strong>\u2013\u00a0<strong>Quy tr\u00ecnh mua nh\u00e0 t\u1ea1i \u00dac<\/strong><\/h2><p><b>I. Personal Identification<\/b><\/p><p><b>1. Th\u00f4ng tin c\u00e1 nh\u00e2n<\/b><\/p><ul><li>Passport<\/li><li>Birth certificate<\/li><li>Citizenship certificate<\/li><li>Driver\u2019s License or permit<\/li><\/ul><ol start=\"2\"><li><b>Th\u00f4ng tin v\u1ec1 gia \u0111\u00ecnh\u00a0<\/b><\/li><\/ol><ul><li>Gi\u1ea5y k\u1ebft h\u00f4n Passport c\u1ee7a v\u1ee3\/ con<\/li><li>Birth certificate: c\u1ee7a v\u1ee3\/ con<\/li><li>Citizenship certificate c\u1ee7a v\u1ee3\/ con<\/li><\/ul><h3><b>II. Income details<\/b><\/h3><p><b>2.1 Proof of Employment and Income c\u1ee7a ng\u01b0\u1eddi \u0111i vay<\/b><\/p><ul><li>Pay slips 3 th\u00e1ng<\/li><li>Employment contract<\/li><li>Employment letter: name of your employer or employers; dates you worked for them; the amount of income you earned, salary package<\/li><li>Letter bonus 2 n\u0103m g\u1ea7n \u0111\u00e2y<\/li><li>Gi\u1ea5y x\u00e1c nh\u1eadn \u0111i\u00ea\u00f9 ch\u1ec9nh l\u01b0\u01a1ng b\u1eb1ng \u0111\u1ed3ng AUD thay v\u00ec SGD, t\u1eeb ng\u00e0y n\u00e0o\u2026.<\/li><li>N\u1ebfu l\u01b0\u01a1ng b\u1ecb gi\u1ea3m do covid th\u00ec n\u00ean xin gi\u1ea5y ch\u1ee9ng nh\u1eadn t\u1eeb cty r\u1eb1ng gi\u1ea3m l\u01b0\u01a1ng ch\u1ec9 l\u00e0 ng\u1eafn h\u1ea1n do \u1ea3nh h\u01b0\u1edfng covid.<\/li><li>Other income as part of salary package (for example commission, bonuses, allowances). L\u01b0u \u00fd: N\u1ebfu b\u1ea1n c\u00f3 share c\u1ee7a c\u00f4ng ty m\u00e0 ch\u01b0a quy \u0111\u1ed5i ra ti\u1ec1n, ch\u1ec9 tr\u00ean gi\u1ea5y t\u1edd th\u00ec n\u00ean y\u00eau c\u1ea7u cty h\u1ecd ch\u1ee9ng nh\u1eadn kho\u1ea3n bonus n\u00e0y l\u00e0 cash \u0111\u1ec3 bank t\u00ednh lu\u00f4n kho\u1ea3n n\u00e0y v\u00e0o income c\u1ee7a m\u00ecnh. H\u1ed3 s\u01a1 vay s\u1ebd m\u1ea1nh h\u01a1n\u00a0<\/li><li>Gi\u1ea5y x\u00e1c nh\u1eadn cty \u1edf Singapore s\u1ebd \u0111\u00f3ng\u00a0qu\u0129 Australian superannuation, th\u00e1ng l\u01b0\u01a1ng th\u1ee9 13 trong v\u0103n b\u1ea3n. N\u1ebfu kh\u00f4ng\u00a0 ng\u01b0\u1eddi ta s\u1ebd tr\u1eeb superannuation v\u00e0o thu nh\u1eadp c\u1ee7a m\u00ecnh<\/li><li><b>Tax<\/b>\u00a0return trong 10 n\u0103m \u0111\u1ec3 ch\u1ee9ng minh saving c\u1ee7a m\u00ecnh \u0111\u00e3 \u0111\u00f3ng thu\u1ebf (\u0111em saving qua): Optional , bank h\u1ecd ko h\u1ecfi m\u00ecnh<\/li><li>A list of employers for the last two years<\/li><\/ul><p><b>2.2 Foreign Income (S\u1ed1ng \u1edf \u00dac, nh\u01b0ng income t\u1eeb Singapore)<\/b><\/p><ul><li>Singapore PR (c\u1ea3 nh\u00e0)<\/li><li>CPF account<\/li><li>Medicare<\/li><li>Utility bill with name and current address<\/li><li>H\u1ee3p \u0111\u1ed3ng thu\u00ea nh\u00e0 trong 10 n\u0103m: bao nhi\u00eau c\u0103n , gi\u00e1 thu\u00ea bao nhi\u00eau\u2013&gt; ch\u1ee9ng minh s\u1ef1 \u1ed5n \u0111\u1ecbnh<\/li><li>Th\u01b0 gi\u1edbi thi\u1ec7u c\u1ee7a landlord v\u1ec1 vi\u1ec7c \u0111\u00f3ng ti\u1ec1n \u0111\u00fang h\u1ea1n<\/li><\/ul><p><b>2.3 Th\u00f4ng tin v\u1ec1 bank\u00a0<\/b><\/p><ul><li>Bank account information<\/li><li>Credit card (must have name and signature)<\/li><li>Bank statements 3- 6 th\u00e1ng<\/li><li>Credit statement 3- 6 th\u00e1ng<\/li><li>ATM\/ Debit card<\/li><\/ul><h2><b>III. Home loan situation- First home buyer\u00a0<\/b><\/h2><ul><li>A copy of the Contract of Sale for the property you are buying<\/li><li>Statements showing your savings<\/li><li>N\u00eau c\u00f3 ngu\u1ed3n ti\u1ec1n n\u00e0o \u0111\u00f3 trong t\u01b0\u01a1ng lai g\u1ea7n (ch\u01b0a v\u00e0o tk) th\u00ec c\u0169ng c\u1ea7n ch\u1ee9ng t\u1eeb ch\u1ee9ng minh<\/li><\/ul><h2><b>IV. Assets and liabilities<\/b><\/h2><p>4.1 Assets<\/p><ul><li>Saving<\/li><li>Property<\/li><li>Superannuation<\/li><li>Investments (e.g. shares)<\/li><li>Vehicles<\/li><li>Jewellery<\/li><li>Furnishings<\/li><\/ul><p>4.2 Liabilities (c\u00e1c kho\u1ea3n \u0111ang n\u1ee3)<\/p><ul><li>Details of any existing loans (e.g. personal loans, car loans, or other home loans) and credit card statements<\/li><li>It is also sometimes useful to provide an indication of everyday living expenses such as groceries, utilities, and petrol bills<\/li><\/ul><p><b>Nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u1ea7n l\u01b0u \u00fd v\u1ec1 3- 6 th\u00e1ng bank statement\u00a0<\/b><\/p><p>Nh\u1eefng kho\u1ea3n chi ti\u00eau sau s\u1ebd b\u1ecb bank li\u1ec7t k\u00ea v\u00e0o chi ti\u00eau h\u00e0ng th\u00e1ng<\/p><ul><li>R\u00fat ti\u1ec1n ATM<\/li><li>Mua \u0111\u1ed3 tr\u1ea3 g\u00f3p<\/li><li>Tr\u1ea3 tr\u1ec5 credit card ho\u1eb7c r\u00fat qu\u00e1 h\u1ea1n m\u1ee9c c\u1ee7a account<\/li><li>Chuy\u1ec3n ti\u1ec1n qua l\u1ea1i cho ng\u01b0\u1eddi kh\u00e1c v\u1edbi s\u1ed1 ti\u1ec1n l\u1edbn tr\u00ean $1,000 v\u00e0 th\u01b0\u1eddng xuy\u00ean<\/li><li>Nh\u1eefng kho\u1ea3n deposit \u1edf branch l\u1edbn, v\u00e0 th\u01b0\u1eddng xuy\u00ean: bank s\u1ebd mu\u1ed1n clarify xem s\u1ed1 ti\u1ec1n n\u00e0y l\u00e0 g\u00ec v\u00e0 \u1edf \u0111\u00e2u.<\/li><li>Kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u1ee7a kh\u00e1ch h\u00e0ng trong 2 n\u0103m v\u1eeba qua (ki\u1ec3m tra ch\u00e9o t\u1ea5t c\u1ea3 kho\u1ea3n n\u1ee3 v\u00e0 credit card c\u1ee7a t\u1ea5t c\u1ea3 ng\u00e2n h\u00e0ng kh\u00e1c nhau)<\/li><li>Bank statement n\u00ean hi\u1ec3n th\u1ecb kho\u1ea3n ti\u1ec1n thu\u00ea nh\u00e0 h\u00e0ng th\u00e1ng. V\u00ec ti\u1ec1n thu\u00ea nh\u00e0 c\u0169ng l\u00e0 1 kho\u1ea3n n\u1ee3. N\u1ebfu bank th\u1ea5y m\u00ecnh tr\u1ea3 ti\u1ec1n nh\u00e0 sau 1 th\u1eddi gian d\u00e0i th\u00ec c\u00f3 th\u1ec3 t\u1ef1 tin h\u01a1n v\u1edbi kho\u1ea3n vay c\u1ee7a m\u00ecnh (ch\u1ee9ng minh l\u00e0 m\u00ecnh \u0111\u00e3 tr\u1ea3 \u0111\u01b0\u1ee3c ti\u1ec1n rent)<\/li><li>Nh\u1eefng kho\u1ea3n chi n\u00e0o ch\u1ec9 chi 1 l\u1ea7n th\u00ec b\u00e1o tr\u01b0\u1edbc cho bank. Vd chi ph\u00ed m\u1eddi ba m\u1eb9 qua \u00dac ch\u01a1i\u2026.<\/li><\/ul><h2><strong>B\u01b0\u1edbc 4: Gom ti\u1ec1n deposit v\u00e0 chi ph\u00ed \u0111\u1ec3 mua nh\u00e0 \u2013\u00a0Quy tr\u00ecnh mua nh\u00e0 t\u1ea1i \u00dac<\/strong><\/h2><p>\u0110\u1ebfn b\u01b0\u1edbc n\u00e0y th\u00ec b\u1ea1n \u0111\u00e3 h\u00ecnh dung l\u00e0 c\u1ea7n bao nhi\u00eau ti\u1ec1n deposit r\u1ed3i. V\u00e0 t\u1eeb \u0111\u00f3 l\u00ean k\u1ebf ho\u1ea1ch chu\u1ea9n b\u1ecb d\u00f2ng ti\u1ec1n m\u1eb7t. Nguy\u00ean t\u1eafc \u1edf \u00dac l\u00e0 c\u00e1c kho\u1ea3n ti\u1ec1n c\u1ea7n \u0111\u01b0\u1ee3c ch\u1ee9ng minh ngu\u1ed3n g\u1ed1c \u0111\u00f3ng thu\u1ebf \u0111\u1ea7y \u0111\u1ee7. Hi\u1ec3u r\u00f5 nguy\u00ean t\u1eafc n\u00e0y th\u00ec b\u1ea1n s\u1ebd clear \u0111\u01b0\u1ee3c nhi\u1ec1u c\u00e2u h\u1ecfi c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 ngu\u1ed3n g\u1ed1c, v\u1ec1 ti\u1ec1n\u2026.<\/p><h3><strong>4.1 Ngu\u1ed3n ti\u1ec1n c\u00f3 ngu\u1ed3n g\u1ed1c \u0111\u1ec3 deposit\u00a0<\/strong><\/h3><p>Ti\u1ec1n deposit c\u00f3 th\u1ec3 \u0111\u1ebfn t\u1eeb c\u00e1c ngu\u1ed3n sau:\u00a0<\/p><ul><li><strong>Ti\u1ec1n ti\u1ebft ki\u1ec7m<\/strong>\u00a0c\u1ee7a buyer: ti\u1ec1n n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c ch\u1ee9ng minh l\u00e0 \u0111\u00e3 \u0111\u00f3ng thu\u1ebf r\u1ed3i. \u1ede Singapore m\u1ecdi th\u1ee9 c\u0169ng r\u00f5 r\u00e0ng n\u00ean v\u1ea5n \u0111\u1ec1 n\u00e0y kh\u00f4ng c\u00f3 g\u00ec l\u00e0 kh\u00f3 kh\u0103n. Ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean h\u1ed3 s\u01a1 vay ph\u1ea3i l\u00e0 ng\u01b0\u1eddi \u0111i l\u00e0m \u0111\u00f3ng thu\u1ebf \u0111\u1ea7y \u0111\u1ee7 ch\u1ee9ng t\u1eeb. N\u1ebfu v\u1ee3 c\u00f3 cash th\u00ec chuy\u1ec3n h\u1ebft qua cho ch\u1ed3ng.<\/li><li><strong>Vay m\u01b0\u1ee3n ng\u01b0\u1eddi th\u00e2n<\/strong><\/li><li><strong>Tr\u1ee3 c\u1ea5p cho th\u00e2n nh\u00e2n \u0111ang \u1edf n\u01b0\u1edbc ngo\u00e0i<\/strong>: Ng\u01b0\u1eddi th\u00e2n trong gia \u0111\u00ecnh (cha\/m\u1eb9\/anh\/ch\u1ecb) c\u00f3 th\u1ec3 tr\u1ee3 c\u1ea5p cho ng\u01b0\u1eddi \u0111\u1ecbnh c\u01b0 25k USD\/ 1 n\u0103m. Ngu\u1ed3n ti\u1ec1n n\u00e0y s\u1ebd kh\u00f4ng b\u1ecb \u0111\u00f3ng thu\u1ebf v\u00e0 ch\u1ee9ng minh ngu\u1ed3n g\u1ed1c\u00a0<\/li><li><strong>H\u1ee3p \u0111\u1ed3ng cho t\u1eb7ng t\u1eeb ng\u01b0\u1eddi th\u00e2n:<\/strong>\u00a0Ng\u01b0\u1eddi th\u00e2n c\u00f3 th\u1ec3 l\u00e0m h\u1ee3p \u0111\u1ed3ng cho t\u1eb7ng c\u00f3 qua c\u00f4ng ch\u1ee9ng. Kh\u00f4ng gi\u1edbi h\u1ea1n s\u1ed1 ti\u1ec1n. S\u1ed1 ti\u1ec1n n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c g\u1eedi ti\u1ebft ki\u1ec7m \u00edt nh\u1ea5t 1 th\u00e1ng \u0111\u1ec3 ch\u1ee9ng minh ngu\u1ed3n g\u1ed1c. Tr\u1ea3 th\u00eam Ph\u00ed c\u00f4ng ch\u1ee9ng\u00a0<\/li><li><strong>B\u00e1n t\u00e0i s\u1ea3n (\u0111\u1ea5t\/ nh\u00e0 \u1edf VN)<\/strong>: Vi\u1ec7c n\u00e0y m\u1ea5t kh\u00e1 nhi\u1ec1u th\u1eddi gian v\u00e0 kh\u00f4ng ph\u1ea3i mu\u1ed1n b\u00e1n l\u00e0 \u0111\u01b0\u1ee3c. Nhi\u1ec1u khi b\u00e1n g\u1ea5p th\u00ec l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c gi\u00e1. N\u00ean n\u1ebfu c\u00f3 k\u1ebf ho\u1ea1ch mua nh\u00e0 m\u00e0 ph\u1ea3i b\u00e1n b\u1edbt t\u00e0i s\u1ea3n \u1edf VN th\u00ec n\u00ean chu\u1ea9n b\u1ecb s\u1edbm. N\u1ebfu \u0111ang s\u1ed1ng \u1edf \u00dac th\u00ec l\u00ean \u0111\u1ea1i s\u1ee9 qu\u00e1n l\u00e0m gi\u1ea5y u\u1ef7 quy\u1ec1n. Tuy nhi\u00ean n\u00ean sang t\u00ean t\u00e0i s\u1ea3n \u0111\u00f3 qua cho cha m\u1eb9 hay ng\u01b0\u1eddi th\u00e2n trong gia \u0111\u00ecnh \u0111\u1ec3 b\u00e1n tr\u01b0\u1edbc v\u00e0 chuy\u1ec3n qua \u00dac d\u01b0\u1edbi h\u00ecnh th\u1ee9c cho t\u1eb7ng ng\u01b0\u1eddi th\u00e2n \u0111\u1ec3 kh\u00f4ng b\u1ecb \u0111\u00f3ng thu\u1ebf \u1edf \u00dac.<\/li><li><strong>C\u1ea7m c\u1ed1\/ th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u1edf VN:<\/strong>\u00a0d\u1ed3n v\u00e0o ti\u1ec1n deposit<a style=\"font-family: var( --e-global-typography-text-font-family ), Roboto; font-weight: var( --e-global-typography-text-font-weight ); background-color: #ffffff;\" href=\"http:\/\/annhientutai.com\/index.php\/2020\/04\/28\/chuyen-tu-ngan-hang-viet-nam-theo-dang-dinh-cu-uc\/\"><b>\u00a0\u00a0<\/b><\/a><\/li><\/ul><h3><strong>4.2 Chi ph\u00ed d\u1ef1 ki\u1ebfn \u0111\u1ec3 mua 1 c\u0103n nh\u00e0\u00a0<\/strong><\/h3><p>\u0110\u1ec3 mua c\u0103n nh\u00e0 th\u00ec c\u00f3 c\u00e1c kho\u1ea3n sau \u0111\u00e2y:<\/p><ol><li>Ti\u1ec1n deposit 10- 20%<\/li><li>Holding deposit (reservation fee 1k \u2013 5k)\u00a0<\/li><li>Stamp Duty:\u00a0 50k \u2013 70k\u00a0<\/li><li>Mortgage Registration: 143$\u00a0\u00a0<\/li><li>Transfer fee: 143$\u00a0\u00a0<\/li><li>Strata (Body corporate) Fees\u00a0(N\u1ebfu nh\u00e0 ki\u1ec3u unit, apartment or townhouse)\u00a0<\/li><li>Council &amp; Water Rates: 1000- 1300$\/ per year\u00a0<\/li><li>Buyer Agent (Ph\u00f9 h\u1ee3p v\u1edbi ng\u01b0\u1eddi mua nh\u00e0 kh\u00f4ng s\u1ed1ng \u1edf \u00dac): $2000 to $10,000 (Optional)<\/li><li>Legal Costs (Solicitor\/Conveyancer Fees)\u00a0(1500$- 2000$)<\/li><li>Building inspection, pest inspection and a strata report: $600- $ 1000 in total<\/li><li>Loan fees: application fee, settlement fee or valuation fee: $0 to $900<\/li><li>N\u1ebfu deposit d\u01b0\u1edbi 20% th\u00ec th\u00eam ph\u00ed\u00a0<a href=\"https:\/\/fleximortgage.com.au\/en\/lmi-la-gi\/\" target=\"_blank\" rel=\"noopener\">LMI\u00a0(Lenders Mortgage Insurance)<\/a>. Ph\u00ed n\u00e0y t\u00f9y v\u00e0o gi\u00e1 tr\u1ecb c\u0103n nh\u00e0, v\u00e0 t\u1ed5ng s\u1ed1 ti\u1ec1n m\u00ecnh deposit, t\u1eeb 5k- 20k<\/li><li>Home &amp; Contents Insurance: building insurance . Home insurance only th\u00ec t\u1ea7m 70$- 100$\/ 1 th\u00e1ng\u00a0<\/li><li>Moving + Connection Costs<br \/>\u2013\u00a0CP d\u1ecdn nh\u00e0 tr\u1ea3 nh\u00e0 cho agent: 300$- 500$<br \/>\u2013 CP thu\u00ea cty v\u1eadn chuy\u1ec3n: 300$- 500$ tu\u1ef3 size nh\u00e0<\/li><li><strong>Extra th\u00eam 10%- 25% c\u0103n nh\u00e0:<\/strong>\u00a0Khi \u0111i mua nh\u00e0 ph\u1ea7n l\u1edbn ng\u01b0\u1eddi \u0111i mua hay th\u00edch nh\u1eefng c\u0103n nh\u00e0 cao ti\u1ec1n h\u01a1n so v\u1edbi budget ban \u0111\u1ea7u c\u1ee7a m\u00ecnh. C\u1ea7n d\u1ef1 tr\u1eef th\u00eam \u0111\u1ec3 d\u1ec5 ra quy\u1ebft \u0111\u1ecbnh v\u1edbi nh\u1eefng c\u0103n nh\u00e0 m\u00ecnh th\u00edch m\u00e0 over budget. Cp n\u00e0y c\u00f3 th\u1ec3 d\u00f9ng v\u00e0o vi\u1ec7c th\u00eam v\u00e0o deposit, ho\u1eb7c s\u1eeda l\u1ea1i nh\u00e0 theo \u00fd m\u00ecnh, ho\u1eb7c mua s\u1eafm \u0111\u1ed3 d\u00f9ng cho nh\u00e0 m\u1edbi.\u00a0<\/li><\/ol><h2><strong>B\u01b0\u1edbc 5: T\u00ecm Broker-\u00a0Quy tr\u00ecnh mua nh\u00e0 t\u1ea1i \u00dac<\/strong><\/h2><p>Li\u00ean h\u1ec7 Flexi Mortgage \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n &amp; h\u1ed7 tr\u1ee3 ho\u00e0n to\u00e0n mi\u1ec5n ph\u00ed.<\/p><p><strong>N\u00ean h\u1ecfi broker c\u00e1c v\u1ea5n \u0111\u1ec1 sau:\u00a0<\/strong><\/p><ul><li>D\u1ecbch v\u1ee5 c\u1ee7a broker l\u00e0 bao g\u1ed3m nh\u1eefng g\u00ec, h\u1ed7 tr\u1ee3 \u0111\u1ebfn giai \u0111o\u1ea1n n\u00e0o.<\/li><li>\u0110\u01b0a ra th\u00f4ng tin t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh, c\u00e1c y\u00eau c\u1ea7u v\u00e0 nguy\u1ec7n v\u1ecdng c\u1ee7a m\u00ecnh cho c\u0103n nh\u00e0 m\u01a1 \u01b0\u1edbc xem c\u00e1ch ng\u01b0\u1eddi \u0111\u00f3 t\u01b0 v\u1ea5n th\u1ebf n\u00e0o, t\u1ed1c \u0111\u1ed9 ph\u1ea3n h\u1ed3i th\u1ebf n\u00e0o, nhi\u1ec7t t\u00ecnh ra sao.\u00a0<\/li><li>H\u1ecfi c\u00e1c chi ph\u00ed v\u1ec1 h\u1ee3p \u0111\u1ed3ng vay: What are the establishment fees, legal fees, valuation fees and ongoing fees? Are there any other fees?<\/li><li>C\u00f3 bao g\u1ed3m ph\u00ed\u00a0introductory rate?\u00a0Nhi\u1ec1u bank l\u00e3i su\u1ea5t th\u1ea5p nh\u01b0ng ph\u00ed\u00a0introductory rate cao<\/li><li>N\u1ebfu l\u00e0 fixed rate, what\u2019s the break cost<\/li><li>Can you make extra or more frequent repayments?<\/li><li>C\u00e1c option m\u00e0 broker \u0111\u01b0a cho m\u00ecnh c\u00f3 th\u1ef1c s\u1ef1 t\u1ed1t cho m\u00ecnh ko. V\u00ec sao, c\u00f3 t\u01b0 v\u1ea5n r\u1ee7i ro cho t\u1eebng package ko<\/li><li>H\u1ecfi M\u1ea1ng l\u01b0\u1edbi lender m\u00e0 broker \u0111\u00f3 hay l\u00e0m vi\u1ec7c v\u00e0 v\u00ec sao chon lender \u0111\u00f3 l\u00e0 v\u00ec l\u00fd do g\u00ec. Coi c\u00f3 match v\u1edbi m\u00ecnh ko<\/li><li>H\u1ecfi th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd bao g\u1ed3m g\u00ec \u0111\u1ec3 xem m\u00ecnh chu\u1ea9n b\u1ecb c\u00f3 \u0111\u1ee7 ko. N\u1ebfu thi\u1ebfu th\u00ec lo b\u1ed5 sung\u00a0<\/li><li>H\u1ecfi th\u00f4ng tin c\u1ee5 th\u1ec3 v\u1ec1 loan-product \u2018fact sheet\u2019<\/li><li>B\u1ea3ng so s\u00e1nh c\u00e1c ti\u00eau ch\u00ed v\u1ec1 l\u00e3i su\u1ea5t, comparison rate, c\u00e1c lo\u1ea1i ph\u00ed kh\u00e1c v\u00e0 s\u1ed1 ti\u1ec1n cho t\u1eebng option.<\/li><\/ul><h2><strong>B\u01b0\u1edbc 6: Pre Approval \u2013\u00a0Quy tr\u00ecnh mua nh\u00e0 t\u1ea1i \u00dac<\/strong><\/h2><p>Ng\u00e2n h\u00e0ng s\u1ebd \u0111\u00e1nh gi\u00e1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh v\u00e0 c\u00f3 th\u1ec3 cho vay\u00a0<b>t\u1ed1i \u0111a bao nhi\u00eau d\u1ef1a tr\u00ean gi\u00e1 tr\u1ecb c\u1ee7a c\u0103n nh\u00e0<\/b>\u00a0(kh\u00f4ng ph\u1ea3i gi\u00e1 b\u00e1n c\u1ee7a c\u0103n nh\u00e0). T\u1eeb \u0111\u00f3 m\u00ecnh s\u1ebd t\u00ecm nh\u00e0 trong budget \u0111\u1ea5y. Khi c\u00f3 pre- approval th\u00ec seller s\u1ebd th\u00edch v\u00e0 \u01b0u ti\u00ean h\u1ed3 s\u01a1 c\u1ee7a m\u00ecnh h\u01a1n. Nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u1ea7n l\u01b0u \u00fd<\/p><ul><li>M\u1ed7i l\u1ea7n submit pre- approval l\u00e0 ng\u00e2n h\u00e0ng s\u1ebd \u0111\u00e1nh gi\u00e1 credit score v\u00e0 track h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng c\u1ee7a m\u00ecnh. Pre- approval c\u00f3 gi\u00e1 tr\u1ecb t\u1eeb 3- 6 th\u00e1ng.\u00a0<\/li><li>N\u1ebfu t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n thay \u0111\u1ed5i th\u00ec bank s\u1ebd ph\u1ea3i duy\u1ec7t h\u1ed3 s\u01a1 pre-approval c\u1ee7a b\u1ea1n l\u1ea1i 1 l\u1ea7n n\u1eefa (Vd: \u0111\u1ed5i c\u00f4ng vi\u1ec7c, c\u00f3 th\u00eam con c\u00e1i, bank ph\u00e1t hi\u1ec7n h\u1ed3 s\u01a1 c\u1ee7a b\u1ea1n kh\u00f4ng trung th\u1ef1c\u2026.)\u00a0<\/li><li>N\u1ebfu b\u1ea1n ch\u1ecdn vay maximum s\u1ed1 ti\u1ec1n m\u00ecnh c\u00f3 th\u1ec3 vay, nh\u01b0ng n\u1ebfu l\u00e3i su\u1ea5t \u0111ang tr\u00ean \u0111\u00e0 t\u0103ng th\u00ec ng\u00e2n h\u00e0ng s\u1ebd gi\u1ea3m s\u1ed1 ti\u1ec1n c\u00f3 th\u1ec3 cho vay l\u1ea1i\u00a0<\/li><\/ul><h2><strong>B\u01b0\u1edbc 7: Ch\u1ecdn nh\u00e0 \u0111\u1ec3 xem v\u00e0 ra gi\u00e1 offer\u00a0 \u2013 Quy tr\u00ecnh mua nh\u00e0 t\u1ea1i \u00dac<\/strong><\/h2><p><b style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Roboto;\">C\u1ea7n xem x\u00e9t c\u00e1c y\u1ebfu t\u1ed1 sau:<\/b><\/p><ol><li>Tr\u01b0\u1eddng h\u1ecdc<\/li><li>Khu Suburbs<a href=\"https:\/\/www.domain.com.au\/suburb-profile\/castle-hill-nsw-2154\">\u00a0<\/a><\/li><li>M\u1ee9c \u0111\u1ed9 an ninh<\/li><li>Khu \u0111\u00f3 c\u00f3 hay b\u1ecb l\u1ee5t hay ch\u00e1y r\u1eebng kh\u00f4ng. C\u00f3 g\u1ea7n c\u00e1c c\u00f4ng tr\u00ecnh \u0111ang x\u00e2y d\u1ef1ng l\u1edbn hay kh\u00f4ng.\u00a0<\/li><li>T\u00ecnh tr\u1ea1ng c\u0103n nh\u00e0<\/li><\/ol><h3><strong style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Roboto; font-size: 14px;\">Nghi\u00ean c\u1ee9u gi\u00e1 th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 ra g\u00eda OFFER\u00a0<\/strong><\/h3><p>C\u00e1c b\u1ea1n c\u00f3 th\u1ec3 xem x\u00e9t nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y tr\u01b0\u1edbc khi quy\u1ebft \u0111inh \u0111i xem c\u0103n nh\u00e0 n\u00e0o v\u00e0 ra gi\u00e1 offer:<\/p><ul><li>Web domain, realestate xem ph\u1ea7n\u00a0<strong>Property sale history, n\u0103m n\u00e0o b\u00e1n, gi\u00e1 bao nhi\u00eau<\/strong><\/li><li>C\u00e1ch t\u00ednh 1: L\u1ea5y gi\u00e1 sold g\u1ea7n nh\u1ea5t c\u1ee7a c\u0103n \u0111\u1ecbnh mua x Anual growth h\u00e0ng n\u0103m s\u1ebd ra gi\u00e1 estimate sale<\/li><li>C\u00e1ch t\u00ednh 2: L\u1ea5y c\u0103n nh\u00e0 n\u00e0o c\u00f9ng con \u0111\u01b0\u1eddng, l\u1ea5y gi\u00e1 Sold x anual growth v\u00e0 check xem gi\u00e1 sold c\u00f3 h\u1ee3p l\u00fd v\u00e0 \u0111\u01b0\u1ee3c gi\u00e1 kh\u00f4ng.<\/li><li>C\u00e1ch t\u00ednh 3: L\u1ea5y gi\u00e1 c\u00e1c c\u0103n SOLD g\u1ea7n nh\u1ea5t trong v\u00e0i th\u00e1ng\u00a0 v\u1eeba r\u00f4i, t\u00ednh trung b\u00ecnh m2 v\u00e0 nh\u00e2n l\u00ean di\u1ec7n t\u00edch c\u0103n nh\u00e0 th\u1ef1c t\u1ebf c\u1ee7a m\u00ecnh. C\u00e1ch t\u00ednh n\u00e0y c\u0169ng kh\u00f4ng h\u1ee3p l\u00fd v\u00ec n\u00f3 kh\u00f4ng n\u1eb1m tr\u00ean 1 con \u0111\u01b0\u1eddng v\u00e0 \u0111k c\u0103n nh\u00e0 c\u0169ng kh\u00e1c nhau. Nh\u01b0ng c\u00f3 th\u1ec3 tham kh\u1ea3o.<\/li><li>Lu\u00f4n So s\u00e1nh c\u00e1c m\u1ee9c gi\u00e1 t\u1ea1m t\u00ednh v\u1edbi ng\u01b0\u1ee1ng Median sale price c\u0103n nh\u00e0 c\u00f3 c\u00f9ng s\u1ed1 ph\u00f2ng nh\u01b0 m\u00ecnh<\/li><li>Check tr\u00ean Realestate c\u00e1c c\u0103n \u0111ang rao v\u00e0 \u0111\u00e3 b\u00e1n trong khu v\u1ef1c m\u00ecnh mu\u1ed1n mua \u0111\u1ec3 n\u1eafm r\u00f5 h\u00e0ng ho\u00e1 tr\u00ean th\u1ecb tr\u01b0\u1eddng l\u00e0 th\u1ebf n\u00e0o (xem h\u00ecnh)<\/li><li>Xem market trend trong v\u00f2ng 10 n\u0103m qua l\u00e0 th\u1ebf n\u00e0o, xem gi\u00e1 median h\u00e0ng n\u0103m (Xem h\u00ecnh)<\/li><li>Tu\u1ef3 v\u00e0o hi\u1ec7n tr\u1ea1ng c\u1ee7a c\u0103n nh\u00e0 m\u00e0 m\u00ecnh c\u00f3 th\u1ec3 tr\u1ea3 th\u00eam v\u00e0i ch\u1ee5c K cho c\u0103n nh\u00e0 \u0111\u00e3 \u0111\u00e1p \u1ee9ng c\u00e1c ti\u00eau ch\u00ed.<\/li><\/ul><h2>B\u01b0\u1edbc 9: Make an offer v\u00e0 Offer Condition\u00a0<\/h2><p><strong style=\"color: #333333; font-family: Raleway, Helvetica, Arial, sans-serif; font-size: 1.25rem;\">9.1 Make an offer\u00a0<\/strong><\/p><p>Tr\u01b0\u1edbc khi make an offer, b\u1ea1n c\u1ea7n nghi\u00ean c\u1ee9u k\u0129 khu \u0111\u00f3, gi\u00e1 tr\u1ecb t\u0103ng tr\u01b0\u1edfng, th\u1ecb tr\u01b0\u1eddng mua b\u00e1n \u1edf \u0111\u00f3 c\u00f3 s\u00f4i \u0111\u1ed9ng kh\u00f4ng, recent sales B\u1ea1n c\u1ea7n ph\u1ea3i\u00a0\u00a0pre- approval letter\u00a0<\/p><p><strong>Nghi\u00ean c\u1ee9u gi\u00e1 th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 ra g\u00eda OFFER\u00a0<\/strong><\/p><p>Xem x\u00e9t c\u00e1c y\u1ebfu t\u1ed1 sau tr\u01b0\u1edbc khi quy\u1ebft \u0111inh \u0111i xem c\u0103n nh\u00e0 n\u00e0o v\u00e0 ra gi\u00e1 offer<\/p><ul><li>Web domain, realestate xem ph\u1ea7n\u00a0<strong>Property sale history, n\u0103m n\u00e0o b\u00e1n, gi\u00e1 bao nhi\u00eau<\/strong><\/li><li>C\u00e1ch t\u00ednh 1: L\u1ea5y gi\u00e1 sold g\u1ea7n nh\u1ea5t c\u1ee7a c\u0103n \u0111\u1ecbnh mua x Anual growth h\u00e0ng n\u0103m s\u1ebd ra gi\u00e1 estimate sale<\/li><li>C\u00e1ch t\u00ednh 2: L\u1ea5y c\u0103n nh\u00e0 n\u00e0o c\u00f9ng con \u0111\u01b0\u1eddng, l\u1ea5y gi\u00e1 Sold x anual growth v\u00e0 check xem gi\u00e1 sold c\u00f3 h\u1ee3p l\u00fd v\u00e0 \u0111\u01b0\u1ee3c gi\u00e1 kh\u00f4ng.<\/li><li>C\u00e1ch t\u00ednh 3: L\u1ea5y gi\u00e1 c\u00e1c c\u0103n SOLD g\u1ea7n nh\u1ea5t trong v\u00e0i th\u00e1ng\u00a0 v\u1eeba r\u00f4i, t\u00ednh trung b\u00ecnh m2 v\u00e0 nh\u00e2n l\u00ean di\u1ec7n t\u00edch c\u0103n nh\u00e0 th\u1ef1c t\u1ebf c\u1ee7a m\u00ecnh. C\u00e1ch t\u00ednh n\u00e0y c\u0169ng kh\u00f4ng h\u1ee3p l\u00fd v\u00ec n\u00f3 kh\u00f4ng n\u1eb1m tr\u00ean 1 con \u0111\u01b0\u1eddng v\u00e0 \u0111k c\u0103n nh\u00e0 c\u0169ng kh\u00e1c nhau. Nh\u01b0ng c\u00f3 th\u1ec3 tham kh\u1ea3o.<\/li><li>Lu\u00f4n So s\u00e1nh c\u00e1c m\u1ee9c gi\u00e1 t\u1ea1m t\u00ednh v\u1edbi ng\u01b0\u1ee1ng Median sale price c\u0103n nh\u00e0 c\u00f3 c\u00f9ng s\u1ed1 ph\u00f2ng nh\u01b0 m\u00ecnh<\/li><li>Check tr\u00ean Realestate c\u00e1c c\u0103n \u0111ang rao v\u00e0 \u0111\u00e3 b\u00e1n trong khu v\u1ef1c m\u00ecnh mu\u1ed1n mua \u0111\u1ec3 n\u1eafm r\u00f5 h\u00e0ng ho\u00e1 tr\u00ean th\u1ecb tr\u01b0\u1eddng l\u00e0 th\u1ebf n\u00e0o (xem h\u00ecnh)<\/li><li>Xem market trend trong v\u00f2ng 10 n\u0103m qua l\u00e0 th\u1ebf n\u00e0o, xem gi\u00e1 median h\u00e0ng n\u0103m (Xem h\u00ecnh)<\/li><li>Tu\u1ef3 v\u00e0o hi\u1ec7n tr\u1ea1ng c\u1ee7a c\u0103n nh\u00e0 m\u00e0 m\u00ecnh c\u00f3 th\u1ec3 tr\u1ea3 th\u00eam v\u00e0i ch\u1ee5c K cho c\u0103n nh\u00e0 \u0111\u00e3 \u0111\u00e1p \u1ee9ng c\u00e1c ti\u00eau ch\u00ed<\/li><\/ul><h3>9.2 Offer condition\u00a0<\/h3><p>Trong offer \u0111\u00f3, buyer c\u1ea7n \u0111\u00ednh k\u00e8m v\u00e0i \u0111i\u1ec1u ki\u1ec7n mu\u1ed1n th\u01b0\u01a1ng l\u01b0\u1ee3ng v\u00e0o: Vd th\u1eddi gian settlement\u00a0 l\u00e2u h\u01a1n, c\u1ea7n s\u1eeda ch\u1ed7 n\u00e0y ch\u1ed7 kia, v\u00e0 th\u00eam 2 \u0111i\u1ec1u ki\u1ec7n ph\u1ed5 bi\u1ebfn\u00a0\u00a0<\/p><ul><li><b>Subject to finance and valuation<\/b>:\u00a0<\/li><\/ul><p>\u2013 Subject to finance: N\u1ebfu bank ko cho vay th\u00ec m\u00ecnh c\u00f3 th\u1ec3 k\u1ebft th\u00fac h\u1ee3p \u0111\u1ed3ng m\u00e0 kh\u00f4ng b\u1ecb ph\u1ea1t hay m\u1ea5t deposit\u00a0<\/p><p>\u2013The offer is subject to satisfactory valuation\u2019, or \u2018subject to a valuation within 5% of the purchase price\u2019, or \u2018subject to valuation at or above offer price.\u2019<\/p><ul><li><b>Subject to building inspection and pest inspection<\/b>.<\/li><\/ul><p>Buyer c\u1ea7n ph\u1ea3i c\u1ecdc 1 kho\u1ea3n ti\u1ec1n n\u1ebfu th\u1ef1c s\u1ef1 mu\u1ed1n mua c\u0103n nh\u00e0 \u0111\u00f3. Buyer c\u1ea7n \u0111\u1ee3i seller accept offer c\u1ee7a b\u1ea1n th\u00ec m\u1edbi k\u00ed h\u1ee3p \u0111\u1ed3ng<\/p><p>L\u01b0u \u00fd: Nhi\u1ec1u agent \u01b0u ti\u00ean b\u00e1n cho nh\u1eefng ng\u01b0\u1eddi mua m\u00e0 kh\u00f4ng c\u1ea7n \u0111i\u00ea\u00f9 ki\u1ec7n g\u00ec c\u1ea3.\u00a0<strong>Kh\u00f4ng c\u00f3 \u0111i\u00ea\u00f9 kho\u1ea3n Subject to finance hay pest inspection<\/strong>. V\u1edbi TH nh\u01b0 v\u1ea7y m\u00ecnh h\u1ecfi soliciter v\u1ec1 contract v\u00e0 k\u00e9o d\u00e0i c\u00e1i cooling off ra. Ph\u1ea3i ch\u1ea5p nh\u1eadn r\u1ee7i ro, c\u00f9ng l\u1eafm m\u1ea5t ph\u00ed deposit 0.25%.<\/p><h3>9.3 Sign The Contract Of Sale.\u00a0<\/h3><h2>B\u01b0\u1edbc 10: Applying for a loan<\/h2><p>B\u1ea1n c\u1ea7n ph\u1ea3i\u00a0 submit a formal application \u0111\u1ec3 get full approval. \u1ede giai \u0111o\u1ea1n n\u00e0y ban ph\u1ea3i tr\u1ea3 establishment and valuation fees. Bank s\u1ebd \u0111\u1ecbnh gi\u00e1 gi\u00e1 tr\u1ecb c\u1ee7a c\u0103n nh\u00e0 v\u00e0 cho vay % tr\u00ean gi\u00e1 tr\u1ecb c\u1ee7a c\u0103n nh\u00e0 \u0111\u00f3 (ch\u1ee9 kh\u00f4ng ph\u1ea3i d\u1ef1a tr\u00ean gi\u00e1 b\u00e1n c\u1ee7a c\u0103n nh\u00e0 \u0111ang list).<\/p><h2>B\u01b0\u1edbc 11: Exchange contract v\u00e0 Make deposit\u00a0<\/h2><p><b>Exchange contract<\/b><\/p><p>B\u00ean b\u00e1n v\u00e0 mua ch\u00ednh th\u1ee9c k\u00ed h\u1ee3p \u0111\u1ed3ng th\u00ec b\u00ean mua ph\u1ea3i \u0111\u1eb7t\u00a0holding deposit:\u00a0 1k- 5k. Ph\u1ea7n c\u00f2n l\u1ea1i c\u1ee7a deposit (10- 20%) s\u1ebd \u0111\u01b0\u1ee3c settle khi bank duy\u1ec7t final approval. S\u1ed1 ti\u1ec1n n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c chuy\u1ec3n v\u00e0o real estate agents trust account.<\/p><p>Tr\u01b0\u1edbc khi k\u00ed h\u1ee3p \u0111\u1ed3ng th\u00ec c\u1ea7n Home Insurance N\u1ebfu b\u1ea1n c\u1ea7n th\u00eam th\u1eddi gian \u0111\u1ec3 settle finance th\u00ec n\u00f3i\u00a0conveyancer h\u1ed7 tr\u1ee3. B\u1ea1n s\u1ebd kh\u00f4ng b\u1ecb ph\u1ea1t v\u00ec v\u1ea5n \u0111\u1ec1 n\u00e0y nh\u01b0ng b\u00ean seller c\u00f3 th\u1ec3 hu\u1ef7 contract v\u00e0 tr\u1ea3 l\u1ea1i ti\u1ec1n deposit cho b\u1ea1n.\u00a0<\/p><p>L\u01b0u \u00fd khi make deposit th\u00ec b\u1ea1n c\u00f3 th\u1ec3 ra bank c\u1ee7a m\u00ecnh n\u00f3i h\u1ecd ph\u00e1t h\u00e0nh cheque (c\u00f3 t\u00ednh ph\u00ed). Ho\u1eb7c n\u1ebfu t\u1ef1 transfer th\u00ec l\u01b0u \u00fd h\u1ea1n m\u1ee9c trong 1 ng\u00e0y. V\u00ed d\u1ee5 limit 20k per day th\u00ec ph\u1ea3i chuy\u1ec3n d\u1ea7n trong v\u00e0i ng\u00e0y. Ph\u1ea3i c\u00f3 k\u1ebf ho\u1ea1ch chuy\u1ec3n ti\u1ec1n tr\u01b0\u1edbc.<\/p><h2>B\u01b0\u1edbc 12: Cooling-off period (5 ng\u00e0y)\u00a0<\/h2><p>Sau khi 2 b\u00ean trao \u0111\u1ed5i h\u1ee3p \u0111\u1ed3ng v\u1edbi nhau th\u00ec giai \u0111o\u1ea1n Cooling-off period t\u1ea7m 5 ng\u00e0y. Giai \u0111o\u1ea1n n\u00e0y b\u1eaft \u0111\u1ea7u t\u1eeb ng\u00e0y trao \u0111\u1ed5i h\u1ee3p \u0111\u1ed3ng v\u00e0 k\u1ebft th\u00fac l\u00fac 5.00 PM v\u00e0o ng\u00e0y th\u1ee9 5. Tuy nhi\u00ean b\u1ea1n c\u00f3 th\u1ec3 th\u01b0\u01a1ng l\u01b0\u1ee3ng extent cooling off l\u00ean th\u00e0nh 10 ng\u00e0y v\u00ec bank th\u1eddi covid l\u00e0m vi\u1ec7c c\u0169ng l\u00e2u l\u1eafm. Sau cooling off l\u00e0 m\u00ecnh ph\u1ea3i deposit 10%, ti\u1ec1n \u0111\u00e3 xu\u1ed1ng m\u00e0 \u0111\u1ed5i \u00fd l\u00e0 m\u1ea5t ti\u1ec1n.\u00a0<\/p><p>N\u1ebfu b\u1ea1n mua nh\u00e0 d\u01b0\u1edbi d\u1ea1ng auction th\u00ec kh\u00f4ng c\u00f3 giai \u0111o\u1ea1n Cooling-off period<\/p><p>Khi h\u1ebft giai \u0111o\u1ea1n cooling off, n\u1ebfu b\u1ea1n cancel th\u00ec ph\u1ea3i tr\u1ea3 ph\u00ed 0.25% (NSW). Vd c\u0103n nh\u00e0 gi\u00e1 1tr th\u00ec ph\u00ed ph\u1ea1t l\u00e0 2.5k tr\u1ea3 cho b\u00ean seller\u00a0<\/p><p>N\u1ebfu k\u1ebft th\u00fac Cooling-off period m\u00e0 b\u1ea1n v\u1eabn mu\u1ed1n mua c\u0103n n\u00e0y th\u00ec b\u1ea1n \u0111\u00f3ng 10% deposit v\u00e0o tk c\u1ee7a agent, \u0111\u00f3ng stamp duty tr\u01b0\u1edbc ng\u00e0y Settlement\u00a0<\/p><p><strong>12-1: Property valuation (3- 4 ng\u00e0y)<\/strong><\/p><p>Sau khi \u0111\u00e3 offer gi\u00e1 cho seller th\u00ec c\u1ea3 2 b\u00ean \u0111\u1ed3ng \u00fd th\u00ec m\u1edbi t\u1edbi b\u01b0\u1edbc Property valuation. M\u1ed9t s\u1ed1 bank cung c\u1ea5p d\u1ecbch v\u1ee5 Property valuation free. M\u1ed9t s\u1ed1 bank charge t\u1eeb 50$- 500$. Bank s\u1ebd y\u00eau c\u1ea7u cung c\u1ea5p h\u1ecd v\u00e0 t\u00ean, contract of sale<\/p><p>Bank c\u00f3 th\u1ec3 d\u00f9ng ValEx or VMS ho\u0103c\u00a0drive-by valuation\u00a0\u0111\u1ec3 \u0111\u00e1nh gi\u00e1 gi\u00e1 tr\u1ecb c\u1ee7a c\u0103n nh\u00e0\u00a0<\/p><p>N\u1ebfu c\u00e1i khu nh\u00e0 b\u1ea1n ch\u1ecdn kh\u00f4ng c\u00f3 giao d\u1ecbch g\u00ec trong su\u1ed1t 3 th\u00e1ng th\u00ec the valuation s\u1ebd th\u1ea5p. \u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0\u00a0 b\u1ea1n c\u00f3 th\u1ec3 th\u01b0\u01a1ng l\u01b0\u1ee3ng l\u1ea1i gi\u00e1 v\u1edbi b\u00ean b\u00e1n nh\u00e0. N\u1ebfu m\u00e0 khu \u0111\u00f3 c\u00f3 nhi\u1ec1u giao d\u1ecbch trong 3 th\u00e1ng v\u1eeba qua th\u00ec s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 cao h\u01a1n.\u00a0<\/p><p><strong>12- 2: Property inspections and reports (2 ng\u00e0y)<\/strong><\/p><p>Ng\u01b0\u1eddi mua s\u1ebd ti\u1ebfn h\u00e0nh l\u00e0m\u00a0Building Inspection\u00a0v\u00e0\u00a0Pest inspection report<a href=\"https:\/\/nakedrealestate.com.au\/blog\/the-importance-of-conducting-a-pest-inspection-before-purchasing-property\">\u00a0<\/a>trong giai \u0111o\u1ea1n\u00a0Cooling-off period. \u0110\u1ec3 tr\u00e1nh mua nh\u1eefng c\u0103n c\u00f3 v\u1ea5n \u0111\u1ec1 v\u1ec1 c\u1ea5u tr\u00fac,\u00a0 \u0111i\u1ec7n , n\u01b0\u1edbc, \u0111\u01b0\u1eddng \u1ed1ng \u2026..th\u00ec m\u00ecnh c\u1ea7n th\u00eam property inspection. B\u1ea1n c\u00f3 th\u1ec3 li\u00ean h\u1ec7 broker ho\u1eb7c\u00a0<\/p><p>Ng\u01b0\u1eddi mua nh\u00e0 c\u1ea7n pre-purchase property inspection report \u0111\u1ec3 bi\u1ebft \u0111\u01b0\u1ee3c c\u00e1c v\u1ea5n \u0111\u1ec1 tr\u01b0\u1edbc khi mua. T\u1eeb \u0111\u1ea5y m\u00ecnh bi\u1ebft \u0111\u01b0\u1ee3c c\u00e1c v\u1ea5n \u0111\u1ec1 ph\u1ea3i gi\u1ea3i quy\u1ebft trong t\u01b0\u01a1ng lai v\u1ec1 s\u1eeda nh\u00e0, v\u00e0 n\u00f3 \u1ea3nh h\u01b0\u1edfng th\u1ebf n\u00e0o \u0111\u1ebfn gi\u00e1 tr\u1ecb c\u0103n nh\u00e0. Giai \u0111o\u1ea1n n\u00e0y c\u0169ng l\u1ea5y th\u00f4ng tin v\u1ec1 t\u00ecnh tr\u1ea1ng c\u0103n nh\u00e0\u00a0 \u0111\u1ec3 th\u01b0\u01a1ng l\u01b0\u1ee3ng th\u00eam v\u1edbi b\u00ean b\u00e1n\u00a0<\/p><p>Building inspection th\u01b0\u1eddng agent b\u00ean b\u00e1n s\u1ebd h\u1ecfi m\u00ecnh mu\u1ed1n l\u00e0m kh\u00f4ng? H\u1ecd s\u1ebd gi\u1edbi thi\u1ec7u contact v\u00e0 ti\u1ec1n m\u00ecnh t\u1ef1 tr\u1ea3. Chi ph\u00ed T\u1ea7m $500. N\u1ebfu ng\u01b0\u1eddi mua c\u00f3 buyer agent th\u00ec h\u00e3y nh\u1edd ng\u01b0\u1eddi n\u00e0y gi\u1edbi thi\u1ec7u. Sau khi c\u00f3 report, n\u1ebfu c\u1ea7n s\u1eeda g\u00ec th\u00ec th\u01b0\u01a1ng l\u01b0\u1ee3ng v\u1edbi ch\u1ee7 nh\u00e0 th\u00f4ng qua agent.\u00a0<\/p><p>N\u1ebfu m\u00ecnh mu\u1ed1n s\u1eeda sang g\u00ec th\u00ec h\u1ecfi l\u1ea1i agent xem c\u00f3 \u0111\u01b0\u1ee3c ph\u00e9p kh\u00f4ng. T\u00f9y lu\u1eadt v\u00e0 t\u00f9y k\u1ebft c\u1ea5u c\u0103n nh\u00e0 m\u00e0 m\u00ecnh c\u00f3 th\u1ec3 s\u1eeda.\u00a0<\/p><p>L\u01b0u \u00fd l\u00e0 c\u00f3 lo\u1ea1i nh\u00e0 b\u00e1n Mortgage sale do ch\u1ee7 nh\u00e0 m\u1ea5t kh\u1ea3 n\u0103ng chi tr\u1ea3 (th\u01b0\u1eddng ghi sold as is. Lo\u1ea1i n\u00e0y do bank cho ch\u1ee7 nh\u00e0 vay $ \u0111\u1ee9ng ra b\u00e1n v\u00e0 xem x\u00e9t c\u00e1c offers). Tr\u01b0\u1eddng h\u1ee3p n\u00e0y h\u1ecd s\u1ebd quy \u0111\u1ecbnh l\u00e0 d\u00f9 c\u00f3 ph\u00e1t hi\u1ec7n \u0111i\u1ec1u g\u00ec sau khi inspection h\u1ecd c\u0169ng kh\u00f4ng s\u1eeda.<\/p><p><strong>12-3: Home Insurance\u00a0<\/strong><\/p><p>Sau khi k\u00ed contract, th\u00ec ph\u1ea3i settle home insurance.\u00a0<\/p><p>C\u1ea7n ph\u1ea3i so s\u00e1nh gi\u00e1 c\u1ea3 v\u00e0 m\u1ee9c \u0111\u1ed9 cover c\u1ee7a g\u00f3i s\u1ea3n ph\u1ea9m v\u00e0 kh\u00f4ng c\u00f3 hidden fee.\u00a0<\/p><h2>B\u01b0\u1edbc 13: Before Settlement\u00a0<\/h2><p><strong>13.1 Pre SettleMent checklist<\/strong><\/p><ul><li>Xem c\u00f3 ph\u1ea7n n\u00e0o b\u1ecb h\u01b0 h\u1ea1i\u00a0 sau ng\u00e0y k\u00ed contract ko<\/li><li>Ki\u1ec3m tra ph\u1ea7n Inclusion c\u00f3 \u0111\u1ea7y \u0111\u1ee7 nh\u01b0 trong h\u1ee3p \u0111\u1ed3ng kh\u00f4ng<\/li><li>Nh\u00e0 c\u1eeda c\u00f3 \u0111\u01b0\u1ee3c b\u00e0n giao s\u1ea1ch s\u1ebd g\u1ecdn g\u00e0ng kh\u00f4ng\u00a0<\/li><li>Xem k\u0129 ph\u1ea7n v\u01b0\u1eddn c\u00f3 r\u00e1c ko (vd r\u00e1c t\u1eeb \u0111\u1ed3 n\u1ed9i th\u1ea5t b\u1ecf, ch\u01b0a v\u1ee9t)\u00a0<\/li><li>Nh\u1eefng \u0111i\u00ea\u00f9 kho\u1ea3n \u0111\u1eb7c bi\u1ec7t m\u00e0 b\u1ea1n y\u00eau c\u1ea7u trong h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng ch\u01b0a (vd s\u1eeda c\u00e1i n\u00e0y c\u00e1i kia)<\/li><li>Any disputes with neighbours relating to fences\u2026<\/li><\/ul><p>N\u1ebfu c\u00f3 b\u1ea5t c\u1ee9 v\u1ea5n \u0111\u1ec1 g\u00ec th\u00ec li\u00ean l\u1ea1c\u00a0conveyancer \u0111\u1ec3 h\u1ecd l\u00e0m vi\u1ec7c v\u1edbi agent c\u1ee7a seller\u00a0<\/p><p><b>Claim 1st home buyer grant:\u00a0<\/b>N\u1ebfu b\u1ea1n \u0111\u1ee7 ti\u00eau ch\u00ed v\u00e0\u00a0 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 l\u1ea5y grant n\u00e0y th\u00ec b\u1ea1n c\u00f3 th\u1ec3 claim chi ph\u00ed n\u00e0y.\u00a0<\/p><p><strong>13.2 Ho\u00e0n thi\u1ec7n c\u00e1c th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd\u00a0<\/strong><\/p><p>Ph\u1ea7n n\u00e0y b\u00ean\u00a0soliciter lo h\u1ebft, m\u00ecnh ch\u1ec9 c\u1ea7n g\u1eb7p\u00a0soliciter v\u00e0i ng\u00e0y tr\u01b0\u1edbc ng\u00e0y settlement l\u00e0 xong.<\/p><ul><li><b>The Transfer document\u2014&gt; Office of State Revenue.\u00a0<\/b><\/li><li>Survey report: which shows buildings and fences, the correct boundaries and any encroachments onto the land or on the neighboring property.<\/li><li>All relevant inquiries: council and water rates including electricity, water and local government authorities.<\/li><li>Mortgage document: terms and conditions of the loan.\u00a0<\/li><li>L\u00e0m th\u1ee7 t\u1ee5c nh\u1eadp h\u1ecdc<\/li><\/ul><p><strong>13.3 \u0110\u0103ng k\u00ed c\u00e1c d\u1ecbch v\u1ee5 c\u01a1 b\u1ea3n<\/strong><\/p><p>Tr\u01b0\u1edbc ng\u00e0y settlement c\u1ee1 15\u00a0 ng\u00e0y th\u00ec b\u1ea1n c\u00f3 th\u1ec3 ti\u1ebfn h\u00e0nh connect c\u00e1c dv c\u01a1 b\u1ea3n nh\u01b0\u00a0Electricity, gas and internet are connected, update central link, medicare\u2026 M\u00ecnh c\u00f3 th\u1ec3 book ng\u00e0y installment c\u00e1c th\u1ee9 v\u00ec kh\u00f4ng ph\u1ea3i book dv l\u00e0 h\u1ecd \u0111\u1ebfn li\u1ec1n.<br \/>Internet th\u00ec n\u00ean ch\u1ecdn NBN cho nhanh. M\u1ed7i v\u00f9ng v\u1ecb tr\u00ed kh\u00e1c nhau s\u1ebd c\u00f3 1 s\u1ed1 h\u00e3ng cung c\u1ea5p internet ch\u1ea1y m\u1ea1nh h\u01a1n. Check address c\u1ee7a m\u00ecnh xem NBN khu \u0111\u1ea5y c\u00f3 available kh\u00f4ng. Check speed v\u00e0o ban \u0111\u00eam \u0111\u1ec3 so s\u00e1nh c\u00e1c package.<\/p><p><strong>13.4 \u0110\u1eb7t mua n\u1ed9i th\u1ea5t\u00a0<\/strong><\/p><p>N\u1ebfu b\u1ea1n kh\u00f4ng mu\u1ed1n d\u1ecdn v\u00e0o 1 c\u0103n h\u1ed9 kh\u00f4ng c\u00f3 g\u00ec \u0111\u1ec3 ng\u1ee7, \u0103n \u2026.v\u00e0o nh\u1eefng ng\u00e0y \u0111\u1ea7u ti\u00ean th\u00ec c\u1ea7n ph\u1ea3i s\u1eafp x\u1ebfp ng\u00e0y ship n\u1ed9i th\u1ea5t sau 1 ng\u00e0y Settlement. B\u1ea1n c\u00f3 th\u1ec3 shopping tr\u01b0\u1edbc \u0111\u00f3 1 tu\u1ea7n nh\u01b0ng book ng\u00e0y ship sau.<\/p><p>C\u1ea7n check v\u1edbi b\u00ean delivery v\u1ec1 ng\u00e0y ship (note v\u1edbi h\u1ecd khi mua) v\u00e0\u00a0 \u0111\u1ea3m b\u1ea3o h\u00e0ng s\u1ebd \u0111\u1ebfn \u0111\u00fang ng\u00e0y \u0111\u1ec3 c\u00f3 m\u00e0 d\u00f9ng.\u00a0<\/p><h2>B\u01b0\u1edbc 14: Day of settlement<\/h2><ul><li>B\u00ean b\u00e1n, b\u00ean mua, solicitor or conveyance, v\u00e0 lender ph\u1ea3i c\u00f3 m\u1eb7t trong ng\u00e0y n\u00e0y.\u00a0<\/li><li>Buyer ph\u1ea3i tr\u1ea3 t\u1ea5t c\u1ea3 c\u00e1c ph\u00ed v\u00e0o ng\u00e0y n\u00e0y: council rates, water rates and insurance.<\/li><li>B\u00e0n giao ch\u00eca kho\u00e1\u00a0<\/li><\/ul><div>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/div><div>Li\u00ean h\u1ec7 Flexi Mortgage \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n &amp; h\u1ed7 tr\u1ee3 mi\u1ec5n ph\u00ed:<\/div><div><ul><li>Hotline: 02 8773 1451<\/li><li>Email: mortgage@flexigroupholdings.com.au<\/li><li>Website:\u00a0<a href=\"https:\/\/fleximortgage.com.au\/en\/\" target=\"_blank\" rel=\"noopener\">Fleximortgage.com.au<\/a><\/li><\/ul><\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u01b0\u1edbc 1: V\u1ebd ng\u00f4i nh\u00e0 \u01b0\u1edbc m\u01a1 \u2013 Qui tr\u00ecnh mua nh\u00e0 t\u1ea1i \u00dac Giai \u0111o\u1ea1n n\u00e0y c\u1ea7n xem x\u00e9t c\u00e1c v\u1ea5n \u0111\u1ec1 sau: Lo\u1ea1i nh\u00e0 m\u00ecnh th\u00edch: house, Townhouse &#8230;<\/p>","protected":false},"author":1,"featured_media":5857,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>14 b\u01b0\u1edbc b\u1ea1n c\u1ea7n bi\u1ebft khi vay mua nh\u00e0 - Flexi Mortgage<\/title>\n<meta name=\"description\" content=\"14 b\u01b0\u1edbc b\u1ea1n c\u1ea7n bi\u1ebft khi vay mua nh\u00e0. 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