Crédit Immobilier — Queensland, Australia
Pre-filled with Queensland's average home price of A$780000, 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 Détails du Prêt
2 Charges en Cours (Queensland 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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Queensland Marché Immobilier
Queensland has been Australia's strongest-performing property market since 2020, driven by interstate migration, the Brisbane 2032 Olympics, and strong lifestyle demand. Brisbane prices have risen significantly, though the state still offers better value than Sydney and Melbourne per square metre. Coastal markets (Gold Coast, Sunshine Coast) remain premium destinations.
Acheter en Queensland
Queensland's recent price surge has eroded the affordability advantage it once held over southern states. Insurance costs are meaningfully higher than the national average due to cyclone and flood risk in northern and coastal areas. Brisbane's inner-city market has seen the sharpest appreciation.
Droit de Timbre
Queensland charges transfer duty on a sliding scale. On A$780,000, the duty is approximately A$28,525. First-home buyers are exempt on homes valued under A$700,000 and receive concessions up to A$800,000. Owner-occupier concessions apply for properties under A$550,000.
Lenders Mortgage Insurance (LMI)
LMI applies when LVR exceeds 80%. Queensland's diverse markets — from coastal lifestyle properties to metropolitan Brisbane — create wide variation in LMI costs. On an 85% LVR purchase at A$780,000, LMI can range A$5,000–A$12,000.
First Home Owner Grant
The Queensland First Home Owner Grant provides A$30,000 for new homes built or purchased from 20 November 2023, in all areas of Queensland. This is one of Australia's most generous state grants.
Marchés Clés
Calculatrice de Prêt par État Australien