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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Buying an aircraft can be an exciting milestone, whether it is for business, recreation or private use. But aircraft purchases are not like buying a car or boat. They involve technical records, regulatory requirements and airworthiness considerations that may not be obvious at first glance. Imagine purchasing an aircraft only to later discover it is not airworthy. If a buyer assumes the right checks have already been completed, they may be left facing unexpected costs, delays and legal uncertainty after settlement. It is an important reminder that what looks right on the surface may not always tell the full story. A well-presented aircraft is not necessarily compliant, airworthy or free from risk. Why a pre-purchase inspection matters A pre-purchase inspection can help identify issues with the aircraft’s condition, maintenance history and airworthiness before the buyer commits. It can also highlight questions that should be addressed in the sale agreement. The key is knowing what has been checked, what has not been checked, and what protections are in place if something is discovered later. Things to consider before purchasing an aircraft Arrange an independent inspection before committing to the purchase. Review key records , including logbooks, maintenance history and relevant compliance documents. Confirm the aircraft’s airworthiness status rather than relying on assumptions or verbal assurances. Use a written sale agreement that clearly sets out the terms, inclusions and inspection rights. Seek advice before signing , particularly if finance, insurance, ownership structures or regulatory issues are involved. What if problems are discovered after purchase? If issues are discovered after settlement, the buyer’s options will depend on the contract, what was represented before the sale and the nature of the defect. These matters can become complicated quickly, especially where technical aircraft records and regulatory requirements are involved. How CJM Lawyers can help At CJM Lawyers, our aviation law team assists with aircraft sale and purchase agreements, due diligence, ownership structures, finance and security arrangements, leasing, regulatory issues and disputes. If you are thinking about buying an aircraft, we can help you understand the legal considerations before you commit. If you have already purchased an aircraft and something has gone wrong, we can help determine your options and advise on the best way forward. Disclaimer: This article provides general information only and does not constitute legal advice. The information may not apply to your circumstances and should not be relied on as a substitute for tailored legal advice. If you need advice, please contact CJM Lawyers to speak with one of our legal professionals.
By September 2026 Edition 3 September 2026
September is a timely reminder to pause and ask a simple but important question: does your Will still reflect your life today? For many people, making a Will is one of those important jobs that sits on the “I’ll get to it one day” list. Others may have a Will in place, but it was prepared years ago and has not been reviewed since. The challenge is that life rarely stays the same. Relationships change, families grow, property is bought or sold, businesses evolve, and financial arrangements can become more complex over time. Why reviewing your Will matters A Will is not just a document for later in life. It is an important part of planning ahead and making sure your wishes are clearly recorded. It allows you to decide who should receive your assets, who should administer your estate, and how you would like important personal matters handled. Having a valid and up-to-date Will can also make things much clearer for your loved ones at an already difficult time. It can reduce the risk of confusion about who should make decisions, who should benefit from your estate, and how your wishes should be carried out. When should you review your Will? It may be time to review your Will if you have recently: married, separated or divorced welcomed children or grandchildren bought or sold property started or sold a business moved into a blended family arrangement experienced a significant change in your finances It is also worth checking whether your superannuation nominations, enduring power of attorney and other estate planning documents still work together with your Will. What your Will may not automatically cover One common misconception is that a Will automatically covers everything you own. In reality, assets such as superannuation, jointly owned property, trusts, company interests and life insurance may need separate consideration. Without the right planning, there can be uncertainty, delays, disputes or outcomes that do not reflect what you intended. How CJM Lawyers can help At CJM Lawyers, our Wills and Estates team can help you prepare a new Will, review an existing Will, update your estate planning documents, and consider how your broader arrangements fit together. Whether your circumstances are simple or more complex, we can provide clear, practical guidance to help you plan ahead with confidence and give your loved ones greater peace of mind. Contact our Wills and Estates team today to get started. Disclaimer: This article provides general information only and does not constitute legal advice. The information may not apply to your circumstances and should not be relied on as a substitute for tailored legal advice. If you need advice, please contact CJM Lawyers to speak with one of our legal professionals.
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