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Vacant land Where the property is not built yet 14 days after Certificate of Title is registered, or if already registered 56 days after contract is signed. Off-the-plan Where the property is not built yet 12 to 18 months or longer What do I pay on settlement day? You will have to pay the deposit for your home and other fees like stamp duty and Lenders Mortgage Insurance if applicable.

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However, as a first home buyer, there is stamp duty exemption or concessions available for you in some states and territories. What is PEXA settlement?

PEXA stands for Property Exchange Australia, and is the only electronic conveyancing or e-Conveyancing service that enables lawyers, conveyancers and professionals lodge transfer documents electronically. Pros Funds are sent in as little as 1 business day.

Your conveyancer also makes sure all the clauses in the Contract for sale are fulfilled. Bear in mind, repayment should be disbursed with your next paycheck.

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Banks Taking out a personal loan from a bank can seem like an attractive option.

For example, some banks offer perks like no loan origination fee.

Some banks offer loyalty discounts on personal loan interest rates if you maintain qualifying bank accounts. And some banks may require you to have a minimum of good or excellent credit to get approval for a personal loan. See our picks for the best personal loans from banks. Credit unions A personal loan from a credit union might be a better option than a personal loan from a bank.

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A credit union may offer lower interest rates and fees than a bank. Since credit unions are nonprofits dedicated to serving their members, their goal is to return profit to members instead of shareholders.

This can include residence in certain counties, a connection to a specific school or employer, or family ties to a current member. Online lenders In the digital age, online lenders have sprung up as an alternative to traditional personal loans from banks and credit unions.

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WHERE TO CASH A CHECK WHEN YOU DON'T HAVE A BANK ACCOUNT

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