Crédit Immobilier — 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 Détails du Prêt
2 Charges en Cours (South Australia 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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South Australia Marché Immobilier
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.
Acheter 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.
Droit de Timbre
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.
Marchés Clés
Calculatrice de Prêt par État Australien