Hipoteca — Victoria, Australia
Pre-filled with Victoria's average home price of A$820000, council rates of A$1900/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 (Victoria 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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Victoria Mercado Inmobiliario
Victoria is Australia's second most populous state with Melbourne as its dominant market. Melbourne experienced a price correction post-COVID but has seen renewed demand from population growth and overseas migration. Regional Victoria (Geelong, Ballarat) remains more affordable with good transport links to Melbourne.
Comprar en Victoria
Melbourne offers better value than Sydney on a price-to-income basis, though still remains stretched. Victoria's land tax regime (applying to investment properties) has modestly increased rental supply but added costs for investors. A 20% deposit on A$820,000 requires A$164,000 in savings.
Impuesto de Actos Jurídicos
Victoria charges land transfer duty on a sliding scale. On A$820,000, duty is approximately A$44,000. First-home buyers are exempt on properties valued up to A$600,000 and receive a 50% concession up to A$750,000 (principal place of residence only).
Lenders Mortgage Insurance (LMI)
LMI is required when LVR exceeds 80%. Victoria's high property prices mean LMI premiums can be substantial — typically A$6,000–A$18,000 depending on the LVR tier and loan amount. LMI can be capitalised into the loan.
First Home Owner Grant
Victoria's First Home Owner Grant provides A$10,000 for new homes in metropolitan areas and A$20,000 in regional areas. The First Home Buyer Duty Exemption applies to properties up to A$600,000.
Mercados Clave
Calculadora de Hipoteca por Estado Australiano