Hipoteca — Queensland, Australia
Pre-filled with Queensland's average home price of A$780000, council rates of A$1800/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 (Queensland 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 |
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Queensland Mercado Inmobiliario
Queensland has been Australia's strongest-performing property market since 2020, driven by interstate migration, the Brisbane 2032 Olympics, and strong lifestyle demand. Brisbane prices have risen significantly, though the state still offers better value than Sydney and Melbourne per square metre. Coastal markets (Gold Coast, Sunshine Coast) remain premium destinations.
Comprar en Queensland
Queensland's recent price surge has eroded the affordability advantage it once held over southern states. Insurance costs are meaningfully higher than the national average due to cyclone and flood risk in northern and coastal areas. Brisbane's inner-city market has seen the sharpest appreciation.
Impuesto de Actos Jurídicos
Queensland charges transfer duty on a sliding scale. On A$780,000, the duty is approximately A$28,525. First-home buyers are exempt on homes valued under A$700,000 and receive concessions up to A$800,000. Owner-occupier concessions apply for properties under A$550,000.
Lenders Mortgage Insurance (LMI)
LMI applies when LVR exceeds 80%. Queensland's diverse markets — from coastal lifestyle properties to metropolitan Brisbane — create wide variation in LMI costs. On an 85% LVR purchase at A$780,000, LMI can range A$5,000–A$12,000.
First Home Owner Grant
The Queensland First Home Owner Grant provides A$30,000 for new homes built or purchased from 20 November 2023, in all areas of Queensland. This is one of Australia's most generous state grants.
Mercados Clave
Calculadora de Hipoteca por Estado Australiano