Hipoteca — South Australia, Australia
Pre-filled with South Australia's average home price of A$680000, 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 (South Australia 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 |
|---|
South Australia Mercado Inmobiliario
South Australia's property market is anchored by Adelaide, which has seen strong price growth driven by defence industry investment, interstate migration, and relative affordability. Adelaide has emerged as a major growth city, with the AUKUS submarine program set to bring sustained high-income employment to the region.
Comprar en South Australia
Adelaide remains one of Australia's more affordable capital cities, though the gap with Sydney and Melbourne has narrowed. The SA economy offers competitive salaries in defence, manufacturing, and health sectors relative to housing costs. SA's land tax applies at rates up to 2.4% on investment properties.
Impuesto de Actos Jurídicos
South Australia charges stamp duty on a sliding scale. On A$680,000, the duty is approximately A$31,330. First-home buyers purchasing new homes may be exempt from stamp duty under the new home grant scheme. SA also charges land tax for investors on total landholding value.
Lenders Mortgage Insurance (LMI)
LMI is required when LVR exceeds 80%. SA's more moderate price growth relative to other capitals means LMI costs are typically lower in absolute dollar terms — usually A$4,000–A$10,000 at 85–90% LVR.
First Home Owner Grant
SA offers a First Home Owner Grant of A$15,000 for new homes. First-home buyers may also access stamp duty concessions for new homes and established properties under certain value thresholds.
Mercados Clave
Calculadora de Hipoteca por Estado Australiano