Hypothèque — 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 Détails de l'Hypothèque
2 Charges en Cours (Victoria averages pre-filled)
Inclure l'Assurance LMI
Obligatoire si apport < 20 % (RFP > 80 %)
Remboursement Mensuel Estimé
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Entrez vos données pour voir votre remboursement
Total des Intérêts
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Sur la période d'amortissement
Coût Total
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Capital + intérêts
Montant Hypothécaire
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Montant financé
Apport
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Du prix de la propriété
Répartition du Versement Mensuel
Évolution du Solde Hypothécaire
Comparaison des Taux
Comment votre versement évolue selon le taux
| Scénario de Taux | Versement C+I | Total Intérêts |
|---|---|---|
| Entrez les données pour voir les scénarios | ||
Calendrier de Remboursement
Détail mensuel complet des remboursements
| Mois | Année | Versement | Capital | Intérêts | Solde Restant |
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Victoria Marché Immobilier
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.
Acheter 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.
Droit de Timbre
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.
Marchés Clés
Calculatrice de Prêt par État Australien