Hipoteca — New South Wales, Australia
Pre-filled with New South Wales's average home price of A$1150000, council rates of A$2200/year, and a standard variable rate of 5.8%. Adjust any value below.
APRA Serviceability Buffer: Australian lenders assess your loan at 9.24% (your rate + 3% buffer). You must demonstrate repayment capacity at this higher rate, even though your actual repayments are based on 5.7%.
1 Detalles del Préstamo
2 Costes Continuos (New South Wales averages pre-filled)
Incluir Seguro LMI
Obligatorio si depósito < 20 % (LVR > 80 %)
Cuota Mensual Estimada
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Introduce los datos para ver tu cuota
Total de Intereses
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A lo largo del préstamo
Coste Total
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Capital + intereses
Importe Financiado
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Cantidad prestada
Depósito
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Del precio del inmueble
Desglose de la Cuota Mensual
Evolución del Capital Pendiente
Comparativa de Tipos
Cómo cambia tu cuota según el tipo de interés
| Escenario de Tipo | Cuota C+I | Total Intereses |
|---|---|---|
| Introduce los datos para ver escenarios | ||
Calendario de Amortización
Desglose mensual completo
| Mes | Año | Cuota | Capital | Intereses | Capital Pendiente |
|---|
New South Wales Mercado Inmobiliario
New South Wales — centred on Sydney — is Australia's most expensive property market. Sydney's median dwelling price regularly exceeds A$1,100,000, driven by chronic undersupply, geographic constraints, and strong population growth. Newcastle and Wollongong offer relative affordability as commuter alternatives, though both have seen significant price growth in recent years.
Comprar en New South Wales
At A$1,150,000, the average NSW home requires a household income of roughly A$200,000+ to service comfortably at current rates. Buyers avoiding LMI need A$230,000 in savings for a 20% deposit. The APRA serviceability buffer at 9.24% means qualification is tighter than the actual rate suggests.
Impuesto de Actos Jurídicos
NSW charges stamp duty (transfer duty) on a tiered scale. On a A$1,150,000 home, the duty is approximately A$46,600. First Home Buyers are exempt on properties up to A$800,000 and receive a concession up to A$1,000,000. NSW also offers an optional annual property tax for eligible first-home buyers.
Lenders Mortgage Insurance (LMI)
Lenders Mortgage Insurance (LMI) is required when your Loan-to-Value Ratio (LVR) exceeds 80%. LMI protects the lender, not the borrower. At 85% LVR on a A$1,150,000 loan, LMI can cost A$8,000–A$15,000 depending on the insurer.
First Home Owner Grant
The NSW First Home Owner Grant (FHOG) provides A$10,000 for new homes valued up to A$750,000. The First Home Buyers Assistance Scheme provides stamp duty exemptions and concessions for eligible buyers.
Mercados Clave
Calculadora de Hipoteca por Estado Australiano