有關在澳洲墨爾本置業

I assume you know the area you're investing. Everything is steep within 10km radius from the city, and nothing comes cheap within 15km, except those hk-styled apartments in Carlton where a 1 room apt costs under AUD$200K, but the renters are mostly overseas students, a definite no-no in my opinion.

Being a low doc customer (i.e. if you don't work there), you're required to put 30% of your purchase price down as deposit. You can get the most, under current circumstances, a 80% loan with which you are asked to buy a mortgage insurance. Expect $3000 per annual on premium for property under $500K.

It's not the right time to buy in Mel or in any other places for that matter. A looming recession compounded by the credit crunch, it's difficult to get loans from the bank, particularly if you are a non-tax resident. It also means you have less tax benefits than the locals, e.g. no first-home buyer grant for self-occupied property or you can't negatively gear your investment property. There used to be a few mortgage lenders that cater low doc clients, like Wizard, but it's getting harder to get loans from them unless you're what they consider a top income earner (whose earning exceeds AUD$180K p.a). Regardless, you still have to put down at least 20% with MI as backup.

2008-10-03 16:17:12 補充：
If U know the suburbs go 2 realestate.com.au. They have info on lenders. Or go independent property consulting firm. I can't give you the name 4 I don't wanna be reported. Email me directly. Happy house-hunting and good luck!