Sans faire de la pub en particulier pour ANZ, voici les infos qu’on peut trouver sur leur site :
ANZ Home loans
Own your own home with the help of ANZ
At ANZ, we understand that there comes a time when you want to live in your own home. Our flexible home loans help customers who are looking to purchase their own home or those seeking to upgrade the current family home. All our loans offer competitive rates and with varying loan terms and individual loan assessments to suit your needs.
To find out more, call the ANZ Call Centre (Toll Free: 1800-1559), email: [email protected] or get answers to common questions.
With an ANZ home loan, you can:
- Borrow up to 70% of the value of the home
- Enjoy a low competitive interest rate
- Enjoy a term of up to 20 years
All applications for credit are subject to ANZ’s credit policy. Terms and conditions are available upon application. Fees and charges apply.
Common questions about ANZ Home loans
Q How much can I borrow?
A How much you can borrow is based on your individual circumstances (such as your income, financial commitments, current savings and credit history). With an ANZ Home loan, you can borrow up to 70% of the value of the property.
Q What documentation do I need?
A You will need to prove your level of income and employment details. Depending on your situation, you will need to show:
- A letter confirming your employment from your current employer or copy of a labour contract
- Last 2 years financial statements or tax returns (if self-employed)
- Business licences or patents (if self employed)
- Evidence of other income
- Bank statements
- ID card, Family book (not applicable if you’re an existing customer)
- Red or Pink books
- Registration certificate
- Sale & Purchase agreement
- Rental agreements & proof of ownership
- Other information requested and required by ANZ to assess your application.
Q Are there any fees?
A Once your ANZ Home loan has been approved by ANZ, certain fees could be charged such as: a Loan Approval Valuation Fee to inspect the property and a Notary Public Fee. Ask ANZ for details.
Bien entendu, comme seuls les vietnamiens peuvent acheter, ces prêts immobiliers ne sont accordés qu’aux Vietnamiens.
L’autre solution peut être de faire un prêt hypothécaire sur la base d’un bien immobilier en France que tu détiendrai déjà et que la banque prendrait en garantie. Si tu es en bonne relation avec ta banque en France, ça peut passer (je l’ai déjà fait pour un client lorsque j’étais banquier pour un client qui voulait acheter une villa au Brésil, on a pris en garantie sa maison a coté de Marseille). L’avantage de cette solution c’est que tu empruntes en € à un taux français (autour de 5% actuellement).
