第二解,买家的两把“保护伞”-贷款条款和建筑及虫害条款。| CJM Lawyers

Jason Yang
A ballpoint pen, a notebook, a calculator, and a man wearing corporate attire in the background holding a puzzled house tool.

REIQ是Real Estate Institute of Queensland的简称,REQI CONTRACT是澳洲昆士兰房地产研究所编写的合同,常用于昆士兰洲的二手房买卖。所以了解合同对您在昆士兰州购房或卖房至关重要,我们将做10期带大家来了解一下REIQ的基本合同。


上一期我们就带大家了解一下REIQ合同中最重要的信息,ESSENTIAL TERM 基本条款。接下来两期我们来谈一谈,合同里常见的买家条款,这些条款 (condition) 是买家的保护伞,在这些条款到期之前,买家一般都可以无损失的退出该合同。但是一旦合同进入无条件时,主动权就会转移到卖家那边,即使买家有合理的理由想要延迟交割,除非合同特殊规定外或卖家同意,如果没有按时交割,卖家都是有权结束合同并且没收定金。


条款的种类有很多,一般都是合同双方为了交割的诉求而设定的一些条件。像贷款条款是为了确保买家有足够的资金去交割,建筑及虫害检查条款是为了确保房屋没有什么潜在问题,政府对外国人购房批准条款(FIRB)也是为了确保海外买家在交割前能拿到政府的批准。


1.贷款条款


什么是贷款条款


一般,在购买房产中,很多买家都会选择贷款买房,在合约签订后,银行会去给这个房产进行估值(valuation),然后根据买家的借贷能力等因素来决定能给买家贷多少钱。一旦拿到贷款金额,买家律师可以帮买家算出交割时还差多少钱(Shortfall Funds),如果买家发现自身存款并不足以完成交割,买家时可以根据贷款条款无条件解除合同拿回定金的。 

贷款条款在REIQ合同中的作用。

贷款条款在REIQ合同中占了很重要的一笔,因为经常出现,所以它和合同价格一样被放在了合同开头的参考列表里,一般在REIQ合同中的第三页,合同价格下面。其中包括了贷款金额,贷款机构和贷款日期。这里面最重要的是贷款日期,上面写出的时间将代表贷款条约的到期日,就像第一解里面提到的,时间在昆士兰州是很重要的基础条件,任何逾期行为将被视为违约,所以合同也对时间节点做了详细的划分。其中规定,买家律师必须在贷款条款到期日下午五点之前书面通知卖家律师买家是否满意或不满意,或主动放弃在贷款条款中的权益(解约的权利)。如果给出满意或放弃权利的通知,合同会进入下一阶段。如果不满意,买家是可以解除合同拿回定金。如果没有在五点之前没有给出书面通知,卖家是有权利解除合同的。这里值得注意的是,如果买家律师在五点之前给出申请贷款延期通知,卖家律师是没有义务必须在五点之前回复你的。一旦超过五点,卖家律师还是有权解除合同的。但是,如果买家律师在卖家解除合同之前给出满意或主动放弃权利通知,合同依然会进入下一阶段。 


2.  建筑及虫害条款


什么是建筑及虫害条款


在昆州买房,一般会找专业人士做一份详细的房屋和虫害检查报告,专业的检查人士会去房产那进行实地考察,然后在建筑检查报告里列出什么地方该修,有没有结构损害等一系列建筑问题。因为澳洲房产大多数是木制结构,所以特别怕白蚁。虫害报告里就会详细的列出该房产会不会受到白蚁的危害,曾经有没有白蚁活动的痕迹和未来会不会受到白蚁的困扰。请注意,因为我们律师不是建筑领域的专业人士,所以不会给买家提供关于房屋修理的建议,买家应该向检查员咨询该房产是否值得购买,是否有结构性损坏和哪里需要卖家修理。如果有需要大修的地方,买家应该进一步请人对需要修理的地方进行报价。从而重新评估购买该房产的价值和花费,之后再告诉律师需要修理的地方或是否需要卖家减价。由买家律师转告给卖家律师,再由卖家律师转告给卖家。 

合同里对建筑及虫害条款的时间规定和贷款条款一样,都需要买家律师在下午五点之前给出书面通知,否则卖家有权利在五点之后解除合同。 


昆州的房产交易时而简单时而复杂,如果您需要律师,请添加文章下的二维码或拨打 1300 245 299 找杨律师(Jason)。

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By Kale Venz 3 February 2026
You’ve served your payment schedule disputing a construction payment claim. Now the claimant has applied for adjudication. What happens next? Many respondents enter the adjudication process unprepared, not realising how quickly decisions are made or how binding they are. Understanding the adjudication process under Queensland’s Building Industry Fairness (Security of Payment) Act 2017 and NSW’s Building and Construction Industry Security of Payment Act 1999 is critical to protecting your interests. What Is Adjudication? Adjudication is a fast-track dispute resolution process designed to provide interim cash flow relief while preserving parties’ rights to pursue final resolution through court or arbitration. An independent adjudicator reviews the payment claim, payment schedule, and supporting materials, then makes a binding determination on how much must be paid. The key word is interim. The adjudicator’s decision determines payment obligations temporarily, not permanently. However, most disputes end at adjudication – the cost and delay of further litigation means parties often accept the determination as final. The Timeline: Speed Is Everything Adjudication moves fast. Once an application is made: Queensland : You typically have 10 business days to file your adjudication response. The adjudicator then has 15 business days to make a determination (extendable to 20 days with consent). New South Wales: You have 5 business days to file your response (extendable to 10 days with claimant consent). The adjudicator has 10 business days to decide (extendable to 15 days). These timeframes are strictly enforced. Late submissions may be rejected entirely, leaving you unable to present your case. What goes into an Adjudication Response? Your adjudication response is your opportunity to defend your position. It must be comprehensive because you’re limited to the reasons you included in your payment schedule – no new arguments are permitted. A strong response typically includes: Detailed submissions: Explaining why the scheduled amount is correct, addressing each element of the claim Supporting evidence: Contracts, correspondence, site records, photographs, expert reports, invoices Legal analysis: Interpretation of contract terms, legislative requirements, and relevant case law Technical challenges: Jurisdictional objections, validity issues with the claim or adjudication application This is not a simple letter. Adjudication responses regularly run 30–50 pages with extensive annexures. The adjudicator will be reviewing both parties’ submissions simultaneously, so clarity and organisation matter. The Adjudicator’s Decision The adjudicator will issue a written determination setting out their decision and reasons. They can: Uphold the claimed amount in full Accept your scheduled amount Determine a different amount between the two In both Queensland and NSW, you must pay the adjudicated amount within 5 business days (or as specified in the determination). Failure to pay can result in the claimant suspending work or, more seriously, obtaining a judgment for the debt and pursuing enforcement action against your company. Can You Challenge the Decision? Yes, but the grounds are narrow. You can apply to court to set aside an adjudication determination for: Jurisdictional error: The adjudicator made a decision they had no power to make Denial of natural justice: You weren’t given a fair opportunity to present your case Generally, you cannot challenge the adjudicator’s decision simply because you disagree with their assessment of the facts or law. The threshold for setting aside a determination is high. Importantly, you must still pay the adjudicated amount even while challenging the determination. The principle is “pay now, argue later.” The Importance of Early Preparation The adjudication timeframes are tight. Once you serve a payment schedule disputing a claim, you should assume adjudication is coming and start preparing immediately: Waiting until the adjudication application arrives leaves you scrambling. In NSW, with only 5 business days to respond, delay can be fatal to your case. Get Legal Guidance Adjudication is a high-pressure, time-critical process that requires immediate action and strategic thinking. Whether you’re facing an adjudication application or considering applying for one yourself, experienced legal advice makes the difference between success and failure. CJM Lawyers’ litigation and dispute resolution team regularly represents clients in security of payment adjudications across Queensland and NSW. We understand what adjudicators look for, how to present your case effectively, and how to protect your interests under tight deadlines. Don’t navigate adjudication alone – contact CJM Lawyers today. Disclaimer: This article provides general information only and does not constitute legal advice. Every adjudication is unique and requires specific legal advice tailored to your circumstances. Contact CJM Lawyers promptly if you are involved in a security of payment dispute.
By Kale Venz 3 February 2026
A payment claim arrives from your contractor demanding payment. Your instinct might be to set it aside while you check the details. That delay could be the most expensive mistake you make. Under Queensland’s Building Industry Fairness (Security of Payment) Act 2017 and NSW’s Building and Construction Industry Security of Payment Act 1999, you could become legally obligated to pay the full amount – even if you dispute the work – simply by failing to respond on time. What Is a Payment Claim? A payment claim is a formal written demand for payment under a construction contract. It doesn’t need to be labelled “payment claim” – an invoice or progress claim identifying the work and amount will often suffice. These claims are designed to keep cash flowing through construction projects, giving claimants a fast-track recovery process. The Danger of Doing Nothing If you don’t respond by serving a payment schedule within the prescribed timeframe, you are deemed to have admitted the claim. This means you become liable to pay the full amount – even if the work was defective or never performed. The claimant can take immediate debt recovery action, and you lose your right to dispute through adjudication. The Timeframes Are Tight Unless your contract provides otherwise, the timeframes are tight and are usually: Queensland: 15 business days from receiving the payment claim to serve a payment schedule. New South Wales: 10 business days from receiving the payment claim to serve a payment schedule. These are strict deadlines with limited discretion for extensions. The consequences of missing them are severe. What Is a Payment Schedule? A payment schedule is your formal response to the claim. It must identify the claim, state the amount you propose to pay (which can be zero), and provide reasons if you’re paying less than claimed. What Happens Next? After serving a payment schedule, the claimant can either accept your scheduled amount or apply for adjudication – a rapid process (typically 10–15 business days) where an independent adjudicator reviews the dispute. The adjudicator’s decision is binding, meaning you must pay the adjudicated amount even if you plan to challenge it later in court. Why You Need Legal Advice Now Time is not on your side. Getting legal advice immediately is essential to: Assess validity: Not every claim is valid under the legislation. A lawyer can identify defences quickly. Prepare a payment schedule: An invalid payment schedule leaves you exposed as if you hadn’t responded at all. Don’t Let the Clock Run Out Security of payment legislation protects cash flow in the construction industry, but it places significant responsibility on you to respond quickly and correctly. The penalty for getting it wrong is severe. Our experienced litigation team regularly assists clients with security of payment disputes across Queensland and NSW. We can review your claim, prepare a compliant payment schedule, gather evidence, and represent you in adjudication if required. Don’t face this alone – contact CJM Lawyers today. Disclaimer: This article provides general information only and does not constitute legal advice. Security of payment legislation is complex and fact-specific. It is essential to seek specific professional legal advice tailored to your individual circumstances as soon as you receive a payment claim.
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