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More Home Loan Jargon Explained

More Home Loan Jargon Explained

1. Disposable income is what you can spend once you've paid all your expenses. 2. First Home Owner Grant - is really important for all first homeowners. It's a grant from the state government of $7,000, but you must intend living in the home you buy. 3. Fixed interest - interest rate that will remain the same for a fixed time limit. 4. Gearing - highly geared means you borrowed lots compared to the amount of money you could put in. Low geared means you had quite a bit of capital to use compared to what you borrowed. 5. Land transfer fee - the state government charges this for all properties sold. 6. Line of credit loan - a more flexible type of loan that allows you to withdraw money if you need to. There's usually a limit on the amount. 7. Maturity - this is the date by which the loan must be paid off. 8. Negative amortisation - this is a worry. It's when your payments don't pay off all the interest plus some of the capital of your loan. It is then added to your capital. 9. Offset sub-account - it sound more complicated than it is. It is simply linking your everyday account to your home loan so you can use your savings to reduce interest. 10. Stamp duty - this is what you have to pay the government whenever you have a contract, e.g. for the sale of property, for a loan or for insurance.

Find out more about no deposit home loans and other home loan jargon at QuickDirect (www.quickdirect.com.au).

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