Articles About Finance And Refinancing

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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