🇦🇺 Australia
Calculadora de Costos de Cierre — Australia
Los costos de cierre en Australia están dominados por el stamp duty, que varía por Estado. Obtén una estimación completa incluyendo LMI y conveyancing.
1 Detalles de la Compra
Usado para calcular el seguro LMI si LVR > 80 %.
El Estado determina la tasa de stamp duty y el monto del FHOG.
Puede reducir o eximir el stamp duty y desbloquear el FHOG.
Costos de Cierre Estimados (AUD)
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Ingresa el precio de compra arriba
Estimación Baja
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Estimación Alta
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% del Precio
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Desglose Detallado
Estimaciones — los montos reales varían según el Estado y el prestamista
Desglose por Categoría
Costos de Cierre en Australia Explicados
Stamp duty (transfer duty) is by far the largest closing cost for Australian buyers — typically 3%–5% of the purchase price for non-first-home buyers in NSW and VIC. On a A$900,000 Sydney home, stamp duty alone can exceed A$35,000.
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Stamp Duty: State-based transfer duty. Rates and thresholds vary widely — QLD and TAS have generous first-home buyer exemptions up to certain price limits.
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LMI (Lenders Mortgage Insurance): Required when your LVR exceeds 80%. Typically capitalised into your loan rather than paid at settlement — but can add tens of thousands.
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Conveyancing: Legal transfer of the property title. Budget A$1,200–A$2,000 for a standard purchase.
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FHOG: First Home Owner Grant reduces your net costs — A$10,000–A$30,000 depending on state and property type.
Concesiones para Primeros Compradores por Estado
Thresholds and grants change regularly — verify with your state revenue office.
Use the Australia Mortgage Calculator to model your full repayments with Australian variable or fixed rates.