Dear Terry, 

How much is for commercial Loan office in melbourne city. 

4.83% is very good with ANZ. 

Thank you
Hari Yellina

Dear Freckle. 

You are right. Do you think this is all Illegal money invested here in Australia. 

Thank you
Hari Yellina 
Property Investor. 

Dear Tommytucker, 

I have few properties with 1 toilet and few properties with 2 toilets. 

All of them are more then 2 bedroom, Having two toilets will fetch little bit more money than one toilet. 

1) If the couple is working, they need to get ready at a same time and have shower. 2 toilets makes life easier. 
2) Guest can use one toilet other…[Read more]

Dear Joey, 

You have set a path what you want to buy, how you want to buy. You sound very confident. This is want you will be needing in any investment. 

Please do go ahead and stick to your guns. Do you have any experience in renovations. 

Thank you
Hari Yellina. 

Dear Rick Sta,

not your  personal details. Just your interest rate. To compare with others. 

If you don't own a property, I can understand.

thank you for your comment. 
Hari yellina. 
Property investor

Dear All, 

I should be the first one to tell isnt it. 

Interest 4.92% per Annum 
ANZ Bank 
Interest only . 

Thank you
Hari Yellina 
Property Investor.

Dear Joey, 

I am Hari Yellina, keen property investor. I am putting my 2 cents worth. Because, I have achieved more than 5 Properties and in my double digits at the moment. 

When I started first it was exiciting. 

1) I have attended lot of seminars, listened to every one of them, Bought lot of books and actually read them. 
2) Like few of the…[Read more]

Dear Qlds, 

Thank you so much, We need brokers like that. I have invested in properties in double digits. Always, was left to do all the work. Every broker I met would apply to any Bank and they just wait for the Bank to come with yes or no. 

Not once any broker offered me RPData, We purchased our selves and order independent Valuations. But…[Read more]

Dear Tom123, 

ANZ will not allow you to submit your Valuation. It will have its own Valuation. If you think it is wrong, Please contest it. They might look into it. 

But, Why do you need to buy property which is over valued. If you have a finance clause signed with the seller. Tell him, your finance hasnt been approved and cant buy the…[Read more]

Dear Corey, 

You are absolutely right. I have a property which was Valued by other independent valuers very high and when ANZ done it on their computer it came 5% less then the market. Thats when I thought, they Valuations are not properly done. 

Valuation before and property renovations comes same on ANZ computer. Hopefully they will fix this…[Read more]

Dear Gayle, 

Is this your first property. 

Thank you
Hari Yellina
Property Investor. 

Dear WestnBlue, 

I am Hari Yellina Property investor. No house to sell, un biased researcher. 

If the property is located in Capital Cities, They do a computer Valuation. Even before you apply with them, Please get your own Valuation done from APM Home price guide. Request them to come to the house and show them all the benefits. Please don't…[Read more]

Dear Gizzy, 

If some one is always on the forums and able to answer your questions. I think it would be a Wise choice to use them. 

Please do update on good seminars you went too. 

Thank you
Hari Yellina
Property Investor. 

Dear WestnBlue, 

I am Hari Yellina Property Investor. 

I had privilege to get ANZ Valuation reports, which are done in house. They use APM Home price guide. I am not sure about commbank. 

Thank you
Hari Yellina 
Property Investor. 

Dear Jamie, 

I am Hari Yellina property Investor,  If ANZ want to send an Valuer, The Valuer will call you and take an appointment when he can check the property. Even though he might not go inside. He will call to make an  appointment. 

They will leave their details with you, therefore you can contact the company and see if you can put your…[Read more]

Dear Bluemoon, 

I am Hari Yellina keen property Investor, I would like to put my 2 cents worth here. With respect to other comments, Below is my opinion. 

Every developers will have good reviews and bad reviews, Purchasing property is like purchasing a car. They are few things which can go wrong. No property constructed in the market is 100%.…[Read more]

Dear Tom, 

My name is Hari Yellina and keen property Investor. I had same experience with ANZ bank loans and gone through the Brokers.

I have purchased 6 Properties through ANZ through a Broker. 

1) Getting pre – Approval. 

Ans : It is the easiest process. Based on your information they will approved. 

2) Do brokers have contact to…[Read more]

Dear Freckle, 

Thank you for your comment. I can see your point. If they are investing under back channels. It can happen sometimes. Thats is very minority. About Australian FIRB. The data is updated instantly. 

Australia has more regulations than any other country and pretty much safe. The big real estate developers have offices overseas and…[Read more]

Dear Luisafur, 

My name is Hari yellina. 

First and foremost, Educate your self by reading books or attending seminars. 

Save 1% of your salary for first month. 

Every month increase by 1% 

In 2 years you will have sufficient deposit. 

Recommend to read some investing books and acquire knowledge. 

Kind Regards
Hari…[Read more]

Dear Freckle, 

Chinese Real Estate investments in this Country include $4.1 billion dollars, This includes farm lands / New developments / Existing. As a Chinese investor we are not allowed to trade in Existing houses. As long as they are going to build a new house. 

$4.1 billion is tip on Ice berg. USA and UK far outweigh Chinese investments.…[Read more]