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本帖最后由 粉紫 于 2013-10-13 18:52 编辑
我们有门作业是自己设计一个宣传单， 我写的，图贴不上去， 希望你们能看懂（我语法太黑暗了，哈哈）， PS 联系方式什么的都是我MAKE UP 的。这 去年SUMMER 的作业，还没有 20% 首付要球 ，GOOD LUCK 吧
Part Four: Yu _final
Hand-picked information to help you
Valuable advice and support for free
Hearth Inc first home buyer guide
Inside you’ll find information and tips what will help you get the house you want .We’ve done the homework for you to help you buy a ‘house’
What to look for before buying a house
Tips for financing and protecting your house
Solicitor information
Settlement
Things you need do before move to new home
Wanting to buy a first home? Hearth Inc provide lots of help –with practical advice, tips for home loans, insurance ,Solicitor and expert support at each step of the way
Tips for finance
Banks usually lend 100% of the price of the house. The maximum loan value depends on how much you can realistically repay weekly, fortnightly or monthly and what your income level is. For example, if you can repay $100 a week, your maximum loan will be about 50 thousand, if you can repay $200 a week, your maximum loan will be about 100 thousand, and if you can repay $400 a week your maximum loan will be about 200 thousand, etc. However, the amount of the payment depends on the ban you go with and its prevailing interest rate. Checking carefully, nasty surprises’ can be avoided.
Tips for house hunting
Do your homework before you start looking for a house to buy. Your maximum purchase price based on what amount of money you would be able to borrow from a bank based on how much you are able to repay regularly. The maximum purchase price equals your own funds, for example savings that you can convert into a deposit, and the maximum loan that can be offered to you by your bank. It is a good idea for home buyers to keep diaries of the houses they have looked at so they can compare them later.
Tips when you look the house:
What are the neighbors like?
Cracks in walls or window sills indicate the house is unstable (moves).
Is there a musty smell? It could be evidence of mould and mildew.
Does the wall have water stains on walls and ceilings?
Purchasing process
You can purchase a property in three main ways:
by offer and negotiation
by tender
You can go to an auction.
The banks send your loan documents to your solicitor for you to review and sign them.
On settlement day, it will be transferred from your account (or your solicitor’s account) into the trust account of the seller’s solicitor, after which the purchase might be presumed to have been completed.
Your solicitor will give you a copy of the settlement statement and a copy of the title. The registration details section will show your name as the owner. He will also give you the keys to your new home and he will register the transfer of the title as well as your mortgage with Land Information New Zealand.
What your bank and your Solicitor will do
Loan
The banks send your loan documents to your solicitor for you to review and sign them.
Solicitor
He sends your signed loan documents to the bank. Confirming all conditions for the mortgage is fulfilled.
The seller’s lawyer will give your lawyer the document that formally transfers the property to your name.
Settlement
On settlement day the bank, transfers funds to your account or to your solicitor’s account.
You need to arrange home and contents insurance.
Tips Before you move in
There are several things you need to remember when moving house.
You need to arrange to have your mail forwarded to your new address.
You also need to get quotes from moving companies. Do this well in advance as they get booked up, especially over weekends.
You also need to give your current landlord the required amount of notice (if you are renting). And also apply to get your bond back.
You need to have your existing phone; gas and electricity disconnected and cancel or transfer delivery of your newspaper. Then you need to have phone, gas, and electricity connected at your new home.
Other information
*Extra expenses associated with buying a house includes but is not limited to the lawyers fees, bank fees, the value’s fees, the cost of the building inspection, the LIM, the home and contents insurance, the income or loan protection insurance, and the moving costs (transport and fuel if you are moving everything yourself or the moving firm fee).
So if you ever wondered what all these terms meant – LIM, GV, chattels, conveyance etc. – or want to know more on how to buy your first home coming along to Hearth Inc and all your questions will be answered. |
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发表于 2013-10-6 19:55:34
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