Loan for construction 建築貸款

We'll help you fund your new build or renovation

At Yongxin Finance, we understand that building your dream home or embarking on major home renovations is a significant life event. Our team is here to assist you with accessing Construction Loan options from banks and lenders across Australia, ensuring you find the right fit for your needs. Whether you're buying off the plan, planning a new build, or looking to demolish an existing property, we're committed to simplifying the process for you. We cater to clients in Brisbane, Queensland, and throughout Australia, offering insight and guidance at every step of your construction journey.

Applying for a loan can seem overwhelming, but at Yongxin Finance, we offer a streamlined application process. Start by making a plan that includes your ideal location, price range, and whether you need to consider council plans, permits, and regulations. Understanding these elements helps in negotiating with registered builders and preparing a development application. Our team will guide you through the Progressive Payment Schedule, ensuring all payments to sub-contractors such as plumbers and electricians are made timely and accurately.

It's essential to remember that when applying for a Construction Loan, an 'as if complete' valuation is often required. This valuation considers the future value of the property once construction is finished. The loan amount is typically released in stages, aligning with construction milestones. To ensure smooth progress, it's crucial to commence building within a set period from the Disclosure Date and adhere to any council restrictions or regulations. Out of Contract Items not included in the initial budget must be accounted for to avoid unexpected expenses.

Another important aspect is understanding additional payments and fees, such as the Progressive Drawing Fee. These fees are typically associated with each withdrawal of funds from your loan. Ensuring you have suitable land is vital, as some areas may have specific council restrictions that could impact your project. For those considering home improvement loans instead of starting from scratch, our team can help determine if this is a more suitable option for your needs.

In summary, securing a Construction Loan with Yongxin Finance provides the financial flexibility needed to achieve your property goals. By accessing options from lenders across Australia, you can manage your finances effectively through interest rate options and progressive drawdown structures. Whether you're building new or renovating, our expertise ensures that each stage of your project runs smoothly. Reach out to our team today to learn more about how we can support your dream build or renovation project and make it a reality.

在永信金融，我們專門幫助客戶獲取建設貸款，無論是建造新家還是進行房屋翻修。提供來自全澳銀行和貸款機構的選項，我們確保您選擇最合適的貸款方案。建設貸款的優勢在於可以按進度提款，僅對已提款金額支付利息，有助於管理建設階段的支付。申請過程簡單明了，我們提供從選擇土地、計劃建設到進度支付的全面指導，確保項目順利進行。無論您是新建還是翻修，我們的專業團隊將幫助您實現房產夢想。

Loan for construction 建築貸款

建築貸款的運作方式為階段性付款（Progress Payment），即貸款人只需在房屋的幾個主要建設階段完成後，根據進度向銀行償還貸款。這樣的分期付款方式意味著貸款人僅需支付在某一階段完成後所累積的貸款利息。隨著建設進程的推進，房屋價值逐步提升，貸款人後續階段的資產價值也會增加。

建築付款經批准後，銀行會根據建設階段發放款項，通常分為五至六個階段：

1. 地基階段（Slab Down）：貸款用於鋪設地基，包括地面平整、地基管道和防水設施。

2. 框架階段（Frame Stage）：用於建造房屋框架，包括砌磚、屋頂、桁架和窗戶安裝。

3. 鎖定階段（Lockup）：用於安裝外牆及室內窗戶和門。

4. 裝修和固定階段（Fixout or Fixing）：用於安裝內部配件和固定設施，包括石膏板、廚櫃、管道和電力設施。

5. 完成階段（Completion）：用於支付建築商、設備和人工費用等。

建築貸款申請流程

1. 準備材料並遞交申請

申請建築貸款需要提供個人身份證明和收入證明，另外還需要提供與建築合同相關的材料：

• 市政批文（Council Approved Plans and Specifications）

• 已簽署的建築合同（Signed & Dated Building Contract）

• 建築商的民用建築保險和工傷保險

2. 銀行審批

銀行收到申請後會進行審核，並派估價師根據建築合同對房屋進行估價。審批通過後，銀行會發送貸款合同，申請人簽字後交回銀行。

3. 銀行放款

在階段性付款開始前，貸款人需要向銀行提供已付款項的收據，並向銀行申請放款。銀行會檢查房屋建設進度，符合要求後再放款給建築商。

建築貸款的優勢

1. 節省印花稅：買地再建的印花稅僅計算土地價值，房屋部分不需要徵收印花稅，與買現房相比，能大幅減少印花稅支出。

2. 更多選擇性和靈活性：自選建築商、協商建設時間與交房時間。

3. 階段性付款：貸款人只需在各建設階段完成後進行付款，減輕初期的財務壓力。

建築貸款的靈活性和分期付款的方式，使其成為自建房屋的理想選擇。