2022-08-26-莱坊-Australia_Residential_Property_Guide_2022-23_16页_5mb

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Australian Residential Property Guide Summary

Core Information

Australia is a country located in the Southern and Eastern Hemispheres, consisting of six states and two territories. It is known for its stable economic and political environment, and is considered a safe and transparent destination for living and investing. The capital city is Canberra, while Sydney is the financial hub of the country.

Population and Demographics

The population of Australia was 25.74 million in 2021, with a growth rate of 0.2%, compared to 1.5% in 2019.
The three most populated cities are Sydney (5.4 million), Melbourne (5.1 million), and Brisbane (2.6 million).
The median age of the population is 38 years.
Age distribution: 33.4% aged 15-39, 18.2% aged 0-14, and 17.2% aged 65+.
33.1% of the population was born outside of Australia, showing a strong multicultural presence.
Common countries of birth include England (3.6%), India (2.6%), China Mainland (2.2%), New Zealand (2.1%), and the Philippines (1.2%).
36.7% of parents in Australia were born overseas in 2021, up from 34.4% in 2016.

Languages and Education

English is the primary language spoken in Australian households.
Mandarin is the second most common language, spoken by 2.7% of households.
Other common languages include Arabic (1.4%), Vietnamese (1.3%), Cantonese (1.2%), and Punjabi (0.9%).
Australian households where a non-English language is spoken: 24.8% (up from 23.7% in 2016).
Education levels: 30.8% of the population were in educational institutions in 2016. Among those aged 15 and over, 15.7% had completed Year 12, 15.7% had completed a Certificate III or IV, and 8.9% had completed an Advanced Diploma or Diploma. 22.0% had a Bachelor Degree or higher.

Major Events in Australia

Summer (December to February): Carols in the Domain (Sydney), Sydney to Hobart Yacht Race (Sydney + Hobart), Australian Open Tennis (Melbourne), Nutri-Grain IronMan and IronWoman Series (Gold Coast), Sydney Festival (Sydney), Chinese New Year Festival (all cities).
Autumn (March to May): Formula 1 Australian Grand Prix (Melbourne), Gay & Lesbian Mardi Gras (Sydney), Longines Golden Slipper Day (Sydney), The Royal Easter Show (Sydney), Rip Curl Pro Bells Beach (Melbourne), Mercedes-Benz Fashion Week (Sydney), Gold Coast International Boat Show (Gold Coast).
Winter (June to August): VIVID (Sydney), Bridge to Brisbane (Brisbane), City2Surf fun run (Sydney), Oz Comic-con (Melbourne + Brisbane), International Film Festival (Melbourne), International Boat Show (Sydney), Shimano MTB Grand Prix Race (Brisbane).
Spring (September to November): Spring Fashion Week (Melbourne), Oz Comic-Con (Sydney + Brisbane), Melbourne Cup (Melbourne), Sydney Marathon (Sydney), Sculptures by the Sea (Sydney), Spring Racing Carnival (Sydney), Australian Motorcycle Grand Prix (Melbourne).

Residential Property Buying Process

Standard Steps

Due Diligence: Research the property and surrounding area to ensure budget and price expectations are met.
Legal Representation: Engage a solicitor or conveyancer to review contracts and manage the legal process.
Loan and Approval: Gain pre-approval for a loan and confirm qualification with FIRB if required.
Inspection: Conduct a pest and building inspection to assess the property's condition.
Negotiation: Either negotiate a private treaty or bid at a public auction.
Deposit: Pay a holding deposit (typically A$1,000) for private treaty, or full deposit (10%) at auction.
Contract Exchange: Exchange contracts and finalize loan documents.
Settlement: Complete the transfer of ownership after a final inspection and lock change.

Off-the-Plan (OTP) Properties

OTP properties are not yet built and can sometimes be priced lower than established properties.
A deposit of 10% is typically paid upfront, with the remainder paid at settlement.
There is potential for design flexibility before construction begins.
Tax depreciation benefits may be higher for new properties.
A 'sunset clause' may apply, setting a deadline for construction.
If the development does not proceed, deposits may be returned, but with potential loss of interest and capital gains.

International Investor Rules

All international investors must apply and be approved by the Foreign Investment Review Board (FIRB) before purchasing property.
Different rules apply to three main groups:
- International Investor: Non-resident, not an Australian citizen.
- Temporary Resident: Holds a temporary visa allowing stay for 12+ months.
- Offshore Company with Australian Business: Must demonstrate operations and assets in Australia.

Scenario	International Investor	Temporary Resident	Offshore Company with Australian Business
Submit FIRB Application	Yes	Yes	Yes
Can Buy Off-the-Plan	Yes	Yes	Yes
Can Buy Vacant Land	Yes	Yes	OA
Can Buy One Established Dwelling	Yes	No	OA
Can Buy One or More Established Dwellings	No	No	No
Main Residence	N/A	Yes	Yes

Costs of Buying Property

Standard Costs

Transfer Duty (Stamp Duty): Levied by state governments.
Legal Fees: Vary between legal firms and depend on property value, typically A$900–A$3,000 plus GST.
Land Transfer Fee: Charged for registering the title, varies by state.
Mortgage Application Fee: Charged by the state government for mortgage registration.

Additional International Costs

FIRB Application Fee: Required for all international investors.
Transfer Duty Surcharge: 8% in NSW, Victoria, and Tasmania; 7% in Queensland, WA, and SA.

Property Value (A$)	FIRB Fee (A$)
$0 - $75,000	$4,000
$75,001 - $1,000,000	$13,200
$1,000,001 - $2,000,000	$26,400
$2,000,001 - $3,000,000	$52,800
$3,000,001 - $4,000,000	$79,200
$4,000,001 - $5,000,000	$105,600
$5,000,001 - $6,000,000	$132,000
$6,000,001 - $7,000,000	$158,400
$7,000,001 - $8,000,000	$184,800
$8,000,001 - $9,000,000	$211,200
$9,000,001 - $10,000,000	$237,600
$10,000,001 - $11,000,000	$264,000
$11,000,001 - $12,000,000	$290,400
$12,000,001 - $13,000,000	$316,800
$13,000,001 - $14,000,000	$343,200
$14,000,001 - $15,000,000	$369,600
$15,000,001 - $16,000,000	$396,000
$16,000,001 - $17,000,000	$422,400
$17,000,001 - $18,000,000	$448,800
$18,000,001 - $19,000,000	$475,200
$19,000,001 - $20,000,000	$501,600
$20,000,001 - $21,000,000	$528,000
$21,000,001 - $22,000,000	$554,400
$22,000,001 - $23,000,000	$580,800
$23,000,001 - $24,000,000	$607,200
$24,000,001 - $25,000,000	$633,600
$25,000,001 - $26,000,000	$660,000
$26,000,001 - $27,000,000	$686,400
$27,000,001 - $28,000,000	$712,800
$28,000,001 - $29,000,000	$739,200
$29,000,001 - $30,000,000	$765,600
$30,000,001 - $31,000,000	$792,000
$31,000,001 - $32,000,000	$818,400
$32,000,001 - $33,000,000	$844,800
$33,000,001 - $34,000,000	$871,200
$34,000,001 - $35,000,000	$897,600
$35,000,001 - $36,000,000	$924,000
$36,000,001 - $37,000,000	$950,400
$37,000,001 - $38,000,000	$976,800
$38,000,001 - $39,000,000	$1,003,200
$39,000,001 - $40,000,000	$1,029,600
$40,000,001 +	$1,045,000

Costs When Owning a Property

Land Tax: Annual state tax on land owned, except for principal residences.
Council Rates: Varies by state and local government area, generally paid quarterly or annually.
Owners Corporation: For strata-titled properties, manages common areas and facilities. Owners must pay regular levies.

Additional International Owner Costs

Vacant Residential Property Levy: Charged for foreign-owned properties not occupied or leased for at least six months.
Land Tax Surcharge:
- NSW, Victoria, and Queensland: 2% surcharge.
- ACT: 0.75% surcharge.

Landlord Costs for Renting Out a Property

Property Management Fees: Typically 7–8.5% of rent plus GST.
Utility and Service Charges: Paid by the owner, may be passed to tenants with conditions in the lease.
Landlord Insurance: Covers damage, theft, severe weather, and rent default.
Income Tax: Taxable on rental income, with allowable deductions for expenses.

Tenancy Agreement

A lease is a contract where the landlord allows the tenant to occupy the property in return for rent.
Tenancy agreements are typically for 6 months, with options for longer terms.
Rent is paid weekly, fortnightly, or monthly through the property manager.
A bond of four weeks rent is paid upfront and returned if the property is left in good condition.
Termination requires proper notice and conditions are outlined in the agreement.

Costs When Selling a Property

Legal Fees: Includes costs for preparing a contract for sale.
Other Costs: Vary by state and depend on the sale process.

Definitions

World Ranking, Australia Ranking, and Overall Score: Based on the QS World University Rankings, evaluating six metrics including Academic Reputation, Employer Reputation, Faculty/Student Ratio, Citations per Facility, International Faculty Ratio, and International Student Ratio.
FIRB Application Fees: Vary by property value, with higher fees for more expensive properties.