MKRA Finance

21/06/2025

Out supporting our clients at a property auction located between Canley Heights and Cabramatta. Wishing them the best in securing their dream home!

25/06/2024

25/06/2024

If you're one of the many Australians who've purchased a property through a self-managed superannuation fund (SMSF), the Australian Taxation Office (ATO) has provided valuable guidance about how to file your annual tax return.

The ATO said that if you want your SMSF annual return to be processed without delay, you should make sure:

-You include members' information and tax file numbers (in Section F).
-You provide the correct SMSF auditor number and auditor details, including the date the audit was completed (Section A Item 6).
-The closing account balance equals the sum of accumulation and retirement phase account balance amounts. If the member's closing account balance is zero or a negative amount, write 0 (Section F Label S).

25/06/2024

CoreLogic's head of research, Eliza Owen, attributed the contrasting results to diverse market conditions.

“The highest-performing markets have generally come off a low base, with housing conditions and demographic trends relatively weak over the years preceding the
pandemic,” she said.

“Differences in capital growth trends are marked by the varied supply-demand balances of each city, and in turn migration, affordability factors and dwelling completions influence that supply and demand dynamic.”

25/06/2024

ទីផ្សារអចលនទ្រព្យអូស្ត្រាលីកំពុងកើនឡើងយ៉ាងគំហុកនៅពេលនេះ ហើយបានរីកចម្រើនយ៉ាងខ្លាំងចាប់តាំងពីជំងឺរាតត្បាត។ ប៉ុន្តែ​ការ​សម្តែង​ពី​ទីក្រុង​មួយ​ទៅ​ទីក្រុង​មាន​ភាព​ខុស​ប្លែក​គ្នា​ជាង។

ក្នុងរយៈពេលមួយឆ្នាំដល់ខែឧសភា តម្លៃមធ្យមជាតិបានកើនឡើង 8.3% នេះបើយោងតាម ​​​​CoreLogic ។ ប៉ុន្តែនៅកម្រិតទីក្រុង កំណើនមានចាប់ពីការកើនឡើង 22.0% នៅទីក្រុង Perth ដល់ 0.1% នៅ Hobart ។

ទន្ទឹមនឹងនេះដែរ កំណើនចាប់តាំងពីខែមីនា ឆ្នាំ 2020 មានចាប់ពីកម្រិតខ្ពស់នៃ 62.6% នៅទីក្រុង Perth ដល់កម្រិតទាបនៃ 11.2% នៅទីក្រុងមែលប៊ន។

25/06/2024

While more than three in 10 borrowers are taking out loans with deposits under 20%, these figures are relatively low by historical standards. Back in December 2020, for example, 41.7% of new loans had deposits of less than 20%, while 11.3% had deposits of less than 10%.

This illustrates how banks have tightened their lending standards, to ensure borrowers don’t take on an excessive amount of debt.

Yet it’s still possible to buy a property with a small deposit, provided your financial circumstances allow it and you structure your loan application correctly.

25/06/2024

While it’s often said you need a 20% deposit to qualify for a home loan, a significant number of borrowers are securing mortgages with smaller deposits, according to the latest data from APRA, the banking regulator.

In the March 2024 quarter, 31.0% of new home loans (by value) had deposits of less than 20%, while 6.2% of new loans had deposits of less than 10%.

Generally, you will need to pay lender’s mortgage insurance (LMI) if you purchase a property with a deposit of less than 15-20%. However, some lenders give LMI exemptions to certain professionals, such as doctors, dentists, physiotherapists, lawyers and accountants.

25/06/2024

With the government announcing major home loan reforms and property prices growing strongly in many parts of the country, there’s a lot happening right now:
-Govt unveils mortgage reforms
-How many loans have under 20% deposit?
-City-by-city property prices
-SMSF tax return guidance

19/06/2024

ចាប់តាំងពីចុងឆ្នាំ 2019 មក ការចំណាយលើការសាងសង់ផ្ទះបានកើនឡើងជិត 40% នេះបើយោងតាមសុន្ទរកថារបស់ជំនួយការរបស់ធនាគារបម្រុង Sarah Hunter ខណៈដែលអតិផរណាទូទៅ (ហៅថា CPI ចំណងជើងនៅក្នុងក្រាហ្វ) មានតិចជាង 20% ។ ដូច្នេះ ហេតុអ្វី​បាន​ជា​តម្លៃ​សំណង់​លំនៅឋាន​កើន​ឡើង​លឿន​ជាង​មុន?

លោកស្រី Hunter បាននិយាយថាហេតុផលមួយគឺថាសម្ភារៈសំណង់និងកម្លាំងពលកម្ម "កើនឡើងយ៉ាងខ្លាំង" ចាប់តាំងពីជំងឺរាតត្បាត។ ហេតុផលមួយទៀតគឺថា អត្រាការប្រាក់កាន់តែខ្ពស់បានធ្វើឱ្យវាកាន់តែថ្លៃសម្រាប់អ្នកអភិវឌ្ឍន៍ក្នុងការផ្តល់មូលនិធិដល់គម្រោងរបស់ពួកគេ។

ការចំណាយខ្ពស់លើអគារបានរួមចំណែកមួយផ្នែកដល់ "អតុល្យភាពរវាងការផ្គត់ផ្គង់លំនៅដ្ឋានថ្មី និងកំណើននៃតម្រូវការ" នេះបើយោងតាមលោកស្រី Hunter ។ នាងបាននិយាយថាមានវិធីជាច្រើនដែលអតុល្យភាពទាំងនេះអាចត្រូវបានដោះស្រាយ រួមទាំងការថយចុះនៃកំណើននៃតម្លៃអគារ និងការកើនឡើងនៃទំហំគ្រួសារជាមធ្យម។

19/06/2024

ការិយាល័យពន្ធដារអូស្ត្រាលី (ATO) បានព្រមានអ្នកវិនិយោគអចលនទ្រព្យថា ខ្លួននឹងយកចិត្តទុកដាក់លើប្រាក់ចំណូលដែលបានរាយការណ៍ និងការកាត់កងពេលបង់ពន្ធនេះ ជាមួយនឹងទិន្នន័យផ្លូវការបង្ហាញថា ប្រហែល 90% នៃអ្នកវិនិយោគទទួលបានពន្ធរបស់ពួកគេខុស។

19/06/2024

The HGS consists of three programs:
-First Home Guarantee – eligible first home buyers can purchase a property with just a 5% deposit, without having to pay lender's mortgage insurance (LMI). There are 35,000 places available this financial year.
-Regional First Home Buyer Guarantee – the same as above, but for regional first home buyers only, with 10,000 places this financial year.
-Family Home Guarantee – eligible single parents and single legal guardians can purchase a property with just a 2% deposit without paying LMI. There are 5,000 places this financial year.

19/06/2024

Are you a first home buyer or single parent who wants help getting a property? If so, you’ll be interested to learn that the federal government’s Home Guarantee Scheme (HGS) has now supported more than 150,000 buyers since its inception in January 2020.

Eligibility is limited. There are property price caps, which vary from state to state. Income caps also apply – $125,000 for individuals and a combined $200,000 for joint applicants.