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The Australian federal government introduced the First Home Owner Grant (FHOG) in 2000 to compensate for the GST (goods and services tax) and to make buying a home easier for all Australians. Since that time, this popular grant has helped people in every state to buy their first home. As a result of this grant, as well as other economic factors, homeownership in Australia is now at an all-time high.


Depending on your lender, you may be able to use the $7 cheap nike air max 90 uk ,000 grant as part of your down payment. Not all lenders will allow it to be used in this way however, so if that is your intent, take the time to shop around and compare lenders. The mortgage market is highly competitive, and more lenders are starting to allow the grant to be used as down payment.


There may be circumstances where you may prefer to stay with a certain lender, even if that lender does not allow the funds to be used as down payment; for example nike air max 95 uk , if the lender offers the most attractive interest rate, or lower fees than other lenders. Buyers must balance the cash they have available for down payment against these other factors that may make the loan less costly overall. Even if you do not use it as a down payment though, there are many other practical uses for the Grant. The process of purchasing a home entails many expenses. The Grant may be used to offset any of these expenses as the buyer sees fit. For example, you may use it to offset stamp duty or insurance, real estate agent fees or other mortgage-related costs nike air max 2019 uk , such as points or application fees.


The Grant is administered by each state or territorial government. Most first-time buyers will qualify for the grant; specific requirements are available online on the FHOG website ( ). Qualifications are very similar, regardless of your state. You must be a citizen or permanent resident of Australia, and you must be a natural person--in other words, not a corporation. Also, each applicant and applicant's spouse must not own cheap nike air max 2019 , or have owned property in Australia in the past, even if it is property that is held with another individual. None of the applicants may have received the Grant previously. The Grant is meant for owner-occupants. Applicants must be buying the property for living in, and be prepared to occupy it within a year of purchase.


The Grant is not means-tested and is therefore available to all applicants regardless of income category. The grant is not taxable. In addition to the Grant, you may also be eligible for exemption from conveyance duty, depending on your state.

Traditional Chinese Medicine or TCM is based on 2500 years old Chinese practice of medicine that makes use of herbal plants nike air max plus tn uk , massage, and acupuncture and dietary therapy. The aim of this practice is to bring about an all round development of the body, mind and soul. In the last few years this Chinese medicine Melbourne practice has made its foray in the Western World and has taken it by storm. Westerners were amazed that different parts of medicinal plants could be used to treat and heal patients. Acupuncture is famous the world over. More and more people are opting for this mode of treatment to get rid of arthritis, joint pains, backache and so on.