Crédit Immobilier — 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 Détails du Prêt
2 Charges en Cours (New South Wales 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 durée du prêt
Coût Total
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Capital + intérêts
Montant Financé
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Montant emprunté
Apport
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Du prix du bien
Répartition de la Mensualité
Évolution du Capital Restant Dû
Comparaison des Taux
Comment votre mensualité évolue selon le taux
| Scénario de Taux | Mensualité C+I | Total Intérêts |
|---|---|---|
| Entrez les données du prêt pour voir les scénarios | ||
Calendrier de Remboursement
Détail mensuel complet des remboursements
| Mois | Année | Mensualité | Capital | Intérêts | Capital Restant |
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New South Wales Marché Immobilier
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.
Acheter 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.
Droit de Timbre
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.
Marchés Clés
Calculatrice de Prêt par État Australien