呢幾個月雖然仍然未能入境澳洲, 但都時不時會FF及Window shopping一下New South Wales D樓. 可能因為自己係澳洲讀書及生活過7至8年, 好多生活上既澳洲習慣已經入晒骨, 又好多時都唔識得張一D對我好似好common sense既野話比太太知, 就好似早兩日太太睇youtube上面果個”我的師奶日記“兩位人士都係Sydney住過而最後移居Melbourne, video中佢地提到Melbourne既城市規劃比雪梨好. 呢類野我係high school時已經知道, 原因係Melbourne比較遲sydney幾十年開發, 所以街道規劃比較有條理, 而我地Melbourian會係講Melbourne係一個個block, 而雪梨就好似London咁邊開發邊加建而大有不同.
正因為好多時我無乜提及, 而太太又想早D習慣及認識澳洲既文化及環境, 所以阿太之日常就係每當我無乜提及過既時及事, 太太就會上youtube上搵下D video黎睇當做rehearsal.
今年既年頭, 太太係youtube上搵澳洲樓既search result 及 recommendation link見列幾個香港後生囝囡拍既幾條real estate video. 之後都有subscribe佢地個Youtube Channel. 呢幾位後生囝囡雖然真係好年輕, 但我睇到年輕一代香港人既熱誠.
呢幾位朋友仔個youtube channel 主要推既盤都係比較upper class既一手樓, 就好似Lindfield, Lane Cove及 Darling Harbour呢類貴價suburbs, 初初我都唔覺得佢地D盤我會買得起, 後來都開始見佢地有D Upper north既中價樓賣都開始係facebook上有留意下佢地.
同大家講返今日發生既事, 雖然可能唔一定直接impact到你, 但既然開得個topic做番外編, 你地真係有需要知及在適當時間問清楚你個real estate agent. 今日太太同我講係Common Realty manage既一個page上面有個唔錯既Epping盤, 叫我睇睇. 個盤因為唔係正正坐係Epping火車站附近而比較近Carlingford, 所以只係under $800,000就有交易, 而且個位置及環境都好開楊, 係我比較鐘意既low rise apartment. 既然太太又有興趣而都合我心意, 所以都分別經WhatsApp及Facebook Messenger contact佐Common Realty既後生囝Matthew Woo.
我最初既enquiry係除佐本身果一個parking space外, 會唔會有visitor parking lots? 而太太因為較早前都同Matthew已經有少量dialogue, 而當Matthew知道佐兩個enquries係co-related, 佢除佐同太太講完再debrief佐我一次, 而比較重要既 Foreign Investment Review Board野, 我張佢summary如下:-
1. 原則上所有未入境既PR (VISA 未activate)都係要比8% FIRB既 stamp duty 2. 原則上PR係要入佐境及居住超過200日至叫"Legimate PR", 買樓至可以唔使比8% FIBR 3. 如果你係PR但又未係"Legimate PR", 你呢8% FIBR係可以之後安排refund 4. 如果唔想預繳8% FIBR可以買off the plan (樓花), 而Settlement date要係"Legimate PR"打後日期
上面呢4個bullets係我既理解, 而每個省既安排都有可能唔同, 所以大家真係唔好隔山買牛, 而如果你地對Common Realty既盤有興趣可以contact Matthew, 佢admin個facebook group 可以搵到佢.
當然如果你財務上唔介意先預繳後再claim refund(唔使旨意有interest), 上面呢幾個bullets真係同你無關係, 但都可以支持一下香港既年輕一代. #香港人加油
關於PR + 200日條文如下
Ordinarily resident requirement If you fall into one of the categories of foreign buyers potentially exempt from surcharge purchaser duty, you won’t have to pay the surcharge if you’re ‘ordinarily resident’ in Australia. This means you’ve lived in Australia for at least 200 days within 12 months before the purchase date. The days you enter and exit Australia count towards the 200 days total. Permanent resident requirement If you’re a permanent resident, including a New Zealand citizen with a subclass 444 visa, you’ll qualify for an exemption even where you don’t meet the ‘ordinarily resident’ requirement, so long as you: live there continuously for at least 200 days within 12 months from the date of the contract live there as your principal place of residence, and buy as an individual, not as a company or trust.
雖然係咁講, 但homeloanexperts.com.au都指出有灰色地帶可以bypass 200 days既constraints
而Common Realty既Matthew都搵佐佢地既律師verified上面句statement, 証實佐句statement係hold true既. 簡單D黎講, 如果你有PR但未決定幾時入境,或只係捻住做完first landing就出境既朋友有好大機會要食呢8% surcharge.
開佐個無member既MeWe谷,想聽我發up瘋可以用呢道傳送門
另外有個TG group chat歡迎埋黎吹水傳送門
YouTube 傳送門
