Author: Hassan

Health Insurance in Japan: A Complete Guide in 2024
Japan has universal healthcare coverage that foreigners can access if they are living long-term in the country. Travelers and expats looking to stay only short-term or to supplement their coverage can invest in a private health insurance policy.

Are you a foreigner looking to visit or live in Japan? Do you want to know more about the options available for health insurance coverage in the country? This guide from Pacific Prime will share all the information necessary to make your health insurance decision an easy one. We will discuss local Japanese health insurance, international health insurance, and the Japanese healthcare system, as well as the pros and cons of using the national health insurance plan. Keep reading to learn all there is to know about Japanese health insurance.

Medical insurance options include public health insurance and private health insurance plans. The two main public health insurance plans are National Health Insurance (NHI), and Social/Employee Health Insurance (SHI). Private insurance can be bought through international providers.

How to Get Hospital Care in Japan

It might feel strange to go to the hospital when you’re feeling just a little unwell. After all, a sore throat or upset stomach isn’t an emergency. However, unless you have a family doctor or know which specialist you need to see, going to the hospital is the first step.

Hospitals in Japan are used far more often for non-emergencies than in other countries. The staff can arrange for you to have your follow-up appointments at a clinic that specializes in your needs. Before you leave home, make sure you have your Japanese health insurance card with you!

If you need to access emergency services, call 119 for an ambulance or 110 for police.

National Health Insurance (NHI)

Japan’s National Health Insurance (NHI) plans were created for residents who are unemployed, self-employed, work less than 30 hours a week, or students. NHI premiums will vary from person and household and are judged based on income.

Benefits included in the NHI plan are:
- Hospital Care
- Outpatient Care
- Mental Health Care
- Prescription Drugs
- Home Health Care
- Dental Care
Social Health Insurance (SHI)

The Social/Employee Health Insurance (SHI) plan is available to those working for Japanese employers, including foreign workers. SHI is paid for by contributions from Japanese employers and their employees.

The SHI plan benefits are similar to NHI benefits and offer the coverage below:
- Hospital Care
- Outpatient Care
- Mental Health Care
- Prescription Drugs
- Home Health Care
- Dental Care
Private Health Insurance in Japan

Private health insurance can be purchased in Japan to supplement the coverage already provided by the national plans. A popular choice for foreigners in Japan is international health insurance policies, which offer comprehensive and portable benefits that can be taken globally.

Some common benefits included in international health insurance plans are:
- Inpatient & Outpatient Care
- Cancer Care
- Preventative Health & Wellness Benefits
- Dental Care
- Vision Care
- Optional Maternity Benefits
- Mental Health Care
- Prescription Drugs
- Medical evacuation and repatriation coverage
- Direct billing
- Worldwide coverage (can include your home country)
- 24-hour emergency assistance
- Renewable policies
- Flexibility in choosing providers
- Additional Expat Concierge Services
The Cost of Health Insurance in Japan for Foreigners

Overall, SHI is more economical than NHI. The cost of SHI is split between the employee and the employer. Furthermore, SHI includes coverage for family members while NHI does not. Unemployed people are also required to register with the NHI. If you’re buying a private plan, the cost of health insurance in Japan will vary depending on many factors. Your age, the level of coverage you desire and the plan you choose all come into play. The cost for a 45-year-old single man with a Cigna Global plan ranges from $200 to $500 per month, depending on the benefits you choose and your country of nationality.

Japanese International Health Insurance for Foreigners

International health insurance is a great choice for foreigners in Japan due to its comprehensive and customizable benefits, as well as its wide global network. If you are someone who travels often, an international health insurance policy can be invaluable as it guarantees coverage worldwide. Many international health insurance providers can provide comprehensive coverage to foreigners during their time in Japan and ensure they are taken care of. Here is a list of five of the top international health insurance providers with coverage in Japan:
- Cigna
- AXA
- NOW Health
- GeoBlue
- IMG Global
Visit our website and use our free quote tool to begin comparing plans from these providers today.

What To Know When Considering Health Insurance in Japan

Whether you’re staying in Japan for one year or longer, language barriers are a significant problem. Not all physicians and nurses speak English. Even expats who can speak conversational Japanese may find medical terminology a challenge. Choosing a supplemental insurance plan that includes an excellent support program is key. The staff can help you connect with English-speaking medical staff. They can arrange for hospital stays at familiar facilities. Certain plans also include interpreters and home-care assistance.

Who Does International Health Insurance Cover?

International health insurance covers individuals, families, and groups. Whether you are traveling on your own, with your entire family, or with a group, you can secure coverage for your time in Japan.

Different Types of International Health Insurance

Foreigners and expats can choose international health insurance for their long-term travel needs, or they can purchase an international travel medical insurance plan. Travel medical insurance can cover foreigners for shorter periods of time, like under a year. International health insurance offers a more comprehensive, extensive, and long-term solution to health insurance than travel medical insurance. Travel medical insurance can cover medical emergencies and other inpatient care, but they are generally limited in their coverage.

Health Insurance Costs in Japan for Foreigners

Health insurance costs in Japan vary across plans and policies, but generally, 70% of the costs associated with healthcare services are covered, and the remaining 30% is the financial responsibility of the patients. It is possible to pay less than 30%, depending on your financial circumstances.

For private health insurance plans, the cost will vary depending on factors like the level of coverage, the plan chosen, and your age. Japan is among the top 20 countries with the highest health insurance costs, with a premium average of USD $ 5,079 a year.

To learn more about the costs of insurance as well as the factors that affect it, check out Pacific Prime’s free Cost of Health Insurance Report.

How To Qualify for Local Japanese Health Insurance

You can apply for the NHI by visiting your local ward or city office. You will need the correct documentation, such as a passport, visa, confirmation of employment, and proof of income from the last year. Once the application has been processed, you will be issued a health insurance card.

Enrolling in the Social/Employee Health Insurance plan will be done through your employer.

Public Japanese Health Insurance Pros and Cons

Some of the pros of Japanese health insurance are the high standards of care and lowered medical fees, while the cons can be fewer second medical opinions and stigmatized mental health care. While universal healthcare has some significant advantages, there are drawbacks as well.

Pros:
- High Standards of Care: Japan is well known for its quality healthcare system and standards of medical services. There is an emphasis placed on preventative care, and they value things like vaccinations, regular check-ups, and critical illness prevention.
- Lowered Medical Fees: Because 70% of medical service costs are paid for by universal healthcare plans, foreigners will only have to worry about paying 30% of their medical fees. However, these fees can add up, which makes adding supplemental private insurance coverage smart.
Cons:
- Less Second Opinions: Doctors have much more authority in Japan than in other countries, which means that they generally believe what they say goes without question. Asking for further explanation or a second opinion can warrant some reactions from Japanese healthcare providers.
- Stigmatized Mental Health Care: Japan has a significant issue with stigmatized mental health care, making it difficult for many people to reach out and get treatment without feeling ostracized.
Japan Health Insurance Considerations for Foreigners

The language barrier is an important consideration for foreigners looking into Japanese health insurance. Not many Japanese healthcare providers speak English, so investing in a private international health insurance policy with language support benefits can help you get the care you need.

With multilingual employees available 24/7 through customer support hotlines, international health insurance companies can help guide you through the process of accessing the care you need. This can be an invaluable tool for those who aren’t fluent in Japanese yet.

Japanese Healthcare Overview

The Japanese healthcare system offers excellent standards of care, with an important emphasis placed on preventative health. Public healthcare facilities are generally clean and accessible, though rural locations can have shorter wait times than urban hospitals.

Many Japanese citizens carry private health insurance to help pay the 30% of medical costs left over by their national plans. These savings can add up quickly, and with the additional benefits available through a private plan, it can add great value to Japanese resident’s lives.

Accessing the Japanese Healthcare System

Foreigners can access the japanese healthcare system through their public clinics and hospitals. Japanese hospitals are legally required to be not-for-profit, and the private health sector is generally dedicated to elective and cosmetic procedures.

How Routine Doctor Visits Work in Japan

Going to the hospital is the first step for a doctor’s visit in Japan, as they are used regularly for non-emergencies. Make sure to have your health insurance card with you. After you’ve seen a doctor, you can speak with a staff member about having your routine follow-up appointments at a clinic.

Emergency and Health Services in Japan

Foreigners can access emergency services by calling the emergency phone lines. These calls can be made across any phone in Japan free of charge, including public pay phones.

The emergency numbers are:
- 119 for fire and ambulance
- 110 for police
Japanese Travel Safety Tips for Foreigners

Foreigners can stay safe during their time in Japan by staying aware of public transport and nightlife districts in big cities. While crime in Japan is low, pickpocketing can happen on public transport as well as in the nightlife districts.

Foreigners should also make sure all of their vaccines are up to date, such as their measles, hepatitis A and B, rabies, and Japanese Encephalitis vaccines. Japanese Encephalitis is a disease spread through mosquitos, and being vaccinated is the best way to protect yourself.

Frequently Asked Questions:

Can foreigners apply for national health insurance in Japan?

Foreigners can apply for Japanese national health insurance if they are staying longer than three months in the country. Those working for Japanese employers will be enrolled in the national Employee Insurance plan, and unemployed or self-employed expats can apply for National Health Insurance.

What could happen if you don’t get health insurance in Japan?

It is required to enroll in health insurance in Japan, and if you don’t, you may not be able to renew your visa or change your residency. Additionally, not having adequate health insurance coverage means you will be stuck paying any medical fees they accrue.

Are healthcare services free to foreigners in Japan?

Healthcare services are not free to foreigners in Japan, even if they are covered under one of the country’s public health insurance policies. Covered indivduals will be required to pay 30% of medical costs accrued from the medical services.

Conclusion

Foreigners can secure health insurance in Japan by enrolling in the universal healthcare plan or by securing a private international health insurance plan. Understanding the benefits of securing adequate coverage for your adventures in Japan can help you be better prepared for your time abroad.
May 22, 2024
How to get a loan in Japan for foreigners in 2024

It is not difficult for foreigners to purchase real estate in Japan. There are no restrictions on foreigners when purchasing real estate, nor is there any extra tax involved if you are a foreigner.

The question is whether foreigners can take out a bank loan or not. To come straight to the point, they can apply for it if they meet the requirements. Moreover, if they follow the rules after receiving a loan, they will avoid getting into trouble.

This article will explain to foreigners who are interested in taking out a bank loan, the following information:

1. What is a bank loan in Japan?

2. Requirements that foreigners must meet to receive a bank loan in Japan

3. The differences in interest rates between mortgage loans and investment loans

4. Cautionary points that are important to know to get a bank loan

5. Recommended banks for foreigners

1. What is a bank loan in Japan?

In Japan, a loan means borrowing some money from a bank or other financial institutions that you need to pay back in small amounts of money every month eventually. Japanese people use a loan when they want to purchase something too expensive to pay at one time.

There are two types of bank loans in Japan, these are:

(1) Mortgage loans

(2) Investment loans

(1) Mortgage Loan

A mortgage loan is a bank loan particularly for purchasing a new house or a second-hand house (including an apartment and a condominium). The purpose of a mortgage loan is to buy a house for living. This means that you are unable to take out this loan if you seek to get a property for rent or a second house. You can take out a mortgage loan if you want to buy a property for living every day or to replace an old home with a new one.

Features of a mortgage loan in Japan:

✔ You can only contract under your name.

✔ There is usually an age limit for taking it out (e.g., the age at the point of paying off is normally 80 years old)

✔ The maximum amount of a mortgage loan depends on your annual income (generally, it is 7 times as much as your annual income) and the appraised value of a property (a property’s worth evaluated by the bank where you are applying for the loan).

✔ The repayment source of a mortgage loan is generally based on your monthly income.

✔ You have to pass a loan qualification to get a mortgage loan. You will be required to give some information such as your annual income, the amount of savings, debt, the length of service years, and so on.

“Flat 35” is one of the most popular mortgage loans in Japan, being sold by the Japan Housing Finance Agency (JHF). The “flat” in Flat 35 means that the interest rate is flat during the repayment period (“35” means that the maximum repayment period is 35 years).

The features of Flat35:

✔ Fixed interest rate from start to end of the repayment

✔ No guarantor required

✔ Multiple menus to respond to your situation (e.g., “Flat 35 S”, “Flat 35 Renovate”)

✔ New Organization Group Credit Life Insurance System operated by the JHF to support your repayment process

The New Organization Group Credit Life Insurance System is a life insurance policy that eliminates the need for repayment of debt to the JHF in the event of the death or disability of the insured. After the event, repayment of the Flat 35 is unnecessary.

(2) Investment Loans

An investment loan is for a person who wants to purchase an investment property. Contrary to a mortgage loan, you cannot be available for an investment loan when buying a home.

Features of an investment loan in Japan:

✔ You can either contract under the name of a company or your name.

✔ Some banks set an age limit for taking it out (e.g., the age at the point of paying off is normally 80 years old).

✔ The maximum amount of a mortgage loan depends on your annual rental income (generally, it is 10-20 times as much as your annual rental income).

✔ The repayment source of an investment loan is based on your monthly rental income.

✔ When getting a loan qualification, your profitability of the property is considered as well as your personal information.

2. Requirements that foreigners must meet to receive a mortgage loan in Japan

If you want to take off a mortgage loan, you must meet the requirements offered by the bank. Here are some requirements that Japanese banks generally offer:

◉　A foreigner who holds a RESIDENCE CARD or Permanent Resident Certificate.

◉　A foreigner who does not hold the card nor the certificate but has a Japanese spouse as a guarantor.

◉　A foreigner who has been working as a full-time/part-time employee at the same company for more than 2 years.

◉　A foreigner who is eligible for group credit life insurance.

◉　A foreigner who is between 20 and 65 years old at the time of application and less than 80 years old at the time of full repayment of the loan.

Although most banks offer these requirements to foreigners wanting to get a mortgage loan, they are different in different banks. For example, SMBC Trust Bank PRESTIA requires just being a “Japanese resident” in that you can apply for a loan without a card or certificate.

3. The differences in interest rates between mortgage loans and investment loans

Banks put an interest rate on their loans respectively. Moreover, the interest rate of mortgage loans is different from the one of investment loans. On the one hand, the average annual interest rate of a mortgage loan is between 0.5-2.0%. On the other hand, the average annual interest rate of an investment loan is between 1.5-4.5%. The latter is normally higher than the former because of the risk of loan default.

Investment loans tend to have high-interest rates and high loan amounts. In addition, there is the risk of falling rental income due to falling rents and high vacancy rates, leading to a default on the loan. For these reasons, the rate of an investment loan is higher than the one of a mortgage loan.

4. Cautionary points that are important to know to get a bank loan

When you decide to get a bank loan, note the following points:

(1) Choose an English-speaking bank

(2) Switch from a housing loan to an investment loan when you rent out the property

(1) Choose an English-speaking bank

If you cannot understand Japanese, you should choose an English-speaking bank. The contract must be written in Japanese (documents written in other languages and interpreters are not allowed). With an English-speaking bank, the person in charge will respond to you in English so that you will be able to know what is written in the contract.

(2) Switch from a mortgage loan to an investment loan when you rent out the property

It is possible that you can rent a property purchased for residential use. In this case, you have to switch your mortgage loan to an investment loan.

You may want to choose an investment loan by considering the interest rate. The amount of repayment will be increased after switching.

Simulation for a 50-million-yen loan repayment after the switching (the pay-back period is 30 years):

*1: The minimum housing loan interest rates of SMBC Trust Bank PRESTIA (Jan. 2023).

*2: The minimum investment property loan interest rates of SMBC Trust bank PRESTIA (Jan. 2023).

At the point of switching from a mortgage to an investment loan, the bank will review the loan qualification based on investment loan criteria. Moreover, the payback period of investment loans is normally shorter than mortgage loans.

The average payback period for a mortgage loan is 35 years, while in an investment loan statutory useful life is applied:

*1: The statutory useful life might vary depending on the thickness of the steel.

5. Recommended banks for foreigners

We recommend you the following banks for getting a bank loan:

(1) SMBC Trust Bank PRESTIA

(2) SBI Shinsei Bank

Both banks are familiar with foreigners and are brought under the jurisdiction of big companies.

Final Note

We explained how loans are available to purchase/rent a property.

The conditions under which a mortgage loan is available vary from bank to bank, so gathering information in advance will be essential. If you do not speak Japanese, it is useful to choose a bank that speaks English.

If there is a possibility that the property purchased for residential use may be rented out in the future, choose a bank that allows conversion from a mortgage loan to an investment loan. Choosing a bank loan that suits your situation it will make this process go smoothly.

May 22, 2024
Home Loans For Foreigners In Australia: Complete Guide
Owning a home in a foreign country can be an exciting idea and Australia is one of the top choices for many people. If you are dreaming of calling the vibrant cities or serene landscapes of Australia home or you just wish to own property there, there’s good news for you. Down Under, foreigners have the choice to explore the possibility of getting a home loan and owning property. So, in today’s blog post, we will look into the details of getting home loans for foreigners in Australia.

What is an Australian Non-Resident Home Loan?

This is a loan given to non-residents of Australia who are looking to buy Australian property. According to The Foreign Investment Review Board (FIRB), you can have access to non-resident home loans in Australia if you are:
- An Australian citizen living overseas (Expats).
- A New Zealand citizen.
- A foreign national living overseas.
- A foreign national living in Australia on a temporary, working, spouse or student visa.
You can get these loans as long as you understand the property market clearly and abide by all the rules set by the review board. The situation for getting a home loan will differ depending on your situation. An Australian citizen living abroad or a New Zealand citizen will have different rates or rules from a foreign national with a temporary visa.

Types of Home Loans in Australia

1. Variable Rate Home Loans: A Variable Rate Home Loan is a type of home loan where the interest rate can change over time in response to fluctuations in the financial market. Borrowers may benefit from rate decreases but are exposed to potential increases.

2. Fixed Rate Home Loans: This is a type of home loan where the interest rate remains constant or “fixed” for a specified period, typically ranging from one to five years. During this predetermined period, borrowers are protected from fluctuations in interest rates, providing financial predictability and stability.

3. Split-rate Home Loans: A split-rate Home Loan is a mortgage that combines features of both variable and fixed-rate home loans. It allows borrowers to allocate a portion of the loan to a fixed rate and the rest to a variable rate.

4. Interest-Only Home Loans: This is a home loan arrangement where borrowers are only required to pay the interest on the loan for a specified period, typically ranging from one to five years. During this initial period, borrowers are not obligated to make principal repayments.

5. Low Doc Home Loan: A Low Doc Home Loan, short for “low documentation”, is a type of home loan designed for individuals who may have difficulty providing the standard documentation required for a traditional mortgage. This type of loan is particularly suitable for self-employed borrowers or those with non-traditional income sources.

6. Line of Credit Home Loan: A Line of Credit Home Loan is a loan that provides homeowners with a flexible and revolving credit facility secured against the equity in their property.

7. Construction Home Loan: A Construction Home Loan, also known as a Construction Mortgage, is a type of loan specifically designed to finance the construction of a new home. This loan differs from traditional mortgages, as the funds are not provided as a lump sum upfront. Instead, the disbursement of funds is linked to the various stages of the construction process.

8. Reverse Mortgage: A reverse mortgage is a unique type of home loan designed for homeowners, typically seniors, who want to convert a portion of their home equity into cash without selling their property. Repayment occurs when the property is sold or the homeowner moves out.

The Main Types of Lenders for Home Loans in Australia

There are four main types of lenders you will encounter while seeking a loan in Australia. They are:
- Bank Lenders: These are the most familiar institutions. They are traditional financial institutions that have obtained a banking license and offer a comprehensive range of financial services, including accepting deposits, providing loans, and facilitating various banking transactions.
- Mutuals (member-owned) Lenders: Mutuals, also known as member-owned lenders, are financial institutions that operate on a cooperative basis. Unlike traditional banks that are owned by shareholders seeking profits, mutuals are owned by their members, who are also their customers. Members typically include individuals with accounts or loans with the institution.
- Non-bank Lenders: Non-bank lenders are financial institutions that provide lending services but do not hold a full banking license. Unlike traditional banks, non-bank lenders do not offer a complete range of banking services such as savings accounts or checking accounts. Instead, they focus primarily on lending activities.
- Neo-bank Lenders: Neo banks, also known as digital banks or challenger banks, are financial institutions that operate exclusively online or through digital platforms, without physical branches. Unlike traditional banks, neo-banks use technology to deliver banking services more efficiently, often with a focus on user-friendly interfaces and innovative features.
How to Get a Non-Resident Home Loan in Australia

Getting a Non-Resident Home Loan as an Australian Citizen Living Abroad

If you’re an Australian citizen living in another country, getting a home loan should be relatively easy. You should have no legal complications and will not have to worry about eligibility while applying for your loan. You will also not be required to return to Australia to sign your documentation because you are allowed to use an e-signature to sign most loan documents. All you need is your Australian citizenship and your Australian bank account for the repayments.

Although some lenders charge a slightly higher interest rate for expats, the rate you may be offered should be similar enough to the interest rate that would be offered if you were living in Australia.

Because you aren’t a foreign national or non-resident by legal definition, you will not need to apply to FIRB. Also, certain banks will permit you to make some of your loan repayments in the currency you earn, especially currencies such as the United States Dollar, the British Pound or the European Euro which allows you to avoid paying any currency conversion fees.

Getting a Non-Resident Home Loan as a New Zealand Citizen

If you are a New Zealand citizen who has been to Australia at least once, you do not need to get FIRB approval either, before applying for a home loan. When you arrive in Australia, you will receive a Subclass 444 visa which grants you permanent resident status in Australia and allows you to buy properties with the same rights as Australian citizens.

This rule is different if you are a permanent resident of New Zealand in which case, you will need FIRB approval.

Steps to Getting a Home Loan as a New Zealand Citizen
1. Get a job in Australia to provide payslips for your approval.
2. Calculate your borrowing power and estimate a budget for your property.
3. Find a property you like and is within your budget.
4. Find a lender who is offering the best deal for you.
5. Put the needed documents together and submit them to your lender.
6. Make an offer on your property of choice and pay for it when you and the seller agree.
Getting a Home Loan as a Foreigner in Australia

Foreigners can legally buy property in Australia if they get FIRB approval. If you are in this category, it is necessary to check if you qualify for a home loan. You need to get FIRB approval for a property once your offer has been accepted on the property. FIRB charges fees for approvals based on the value of the property but will give you special treatment if the property you are buying is new or supports economic growth in the area.

How to Get a Home Loan as a Foreigner in Australia
1. Visit FIRB and confirm that you qualify.
2. Choose a lender that suits your needs. Consider how much you can borrow, interest rates and repayment schedules, then compare with other lenders.
3. Put the essential documents (more on these documents in the next section) together and submit them to the bank.
4. Translate any foreign documents that are not in English with the help of a NAATI–certified translation service.
5. Submit your documents to your bank and get a pre-approval of your home loan.
6. Find a property you can afford and agree on a price with the seller.
7. Pay a deposit and secure the property.
8. Apply to FIRB to approve the purchase of your property.
9. Complete your payments and take ownership of your property.
Essential Documentation for a Home Loan in Australia

a) Primary Documents (provide at least one of the following):
- Foreign Passport or Australian Passport
- Australian Driver’s license or Learner’s permit
- Australian Residence Permit
b) Secondary Documents (provide at least one of the following):
- Australian birth certificate
- Australian citizenship certificate
- Medicare card
- ATO assessment notice (less than 12 months old)
c) Income Documents (provide at least one of the following):
- Bank statements showing three months’ salary credits
- Proof of Income
- Your employment contract or letter showing details of your employment and salary
- Tax return and ATO Notice of Assessment less than 18 months old
- A Centrelink letter outlining your payments
d) Documentation of Assets and Liabilities like:
- Shares
- Vehicles
- Loans
- Credit Card limits
e) Breakdown of living expenses like
- Food
- Transportation
- Electricity bills
- Water bills
- Recreation and entertainment expenses
- Insurance
- Education Expenses
- Internet bills, etc.
f) Proof of FIRB Qualification

To translate foreign documents to English, you should consult a professional translator that can deliver accurate NAATI-certified translations quickly and at an affordable rate like Translayte. Click the link and place an order to get started.

How Much Can You Borrow When Taking a Home Loan?

When you want to get a non-resident home loan, your lender will consider a few things when calculating your borrowing power. These include:
- If you work in a country that does not charge income tax.
- If you have any existing foreign loans.
- Your income
- Your citizenship status
In addition, it is necessary to consider and decide how much you can afford before requesting a loan. Sometimes, your lender could be working against your best interest. If you are deemed a qualified borrower, your lender could approve you for the maximum amount they believe you can afford which just may be too generous for you at the time.

Stamp Duty Costs

Stamp duty in Australia is a state or territory-based tax imposed on certain transactions, including property purchases. The amount of stamp duty varies across states and territories, and it is calculated as a percentage of the property’s purchase price. The rates and exemptions can change, so it’s important to check the specific regulations in your location.

To calculate your stamp duty, you can easily go online and find an Australian stamp duty calculator that will allow you to see the differences in stamp duty fees in different states in Australia.

Stamp duty fees can vary widely and there is no uniformity in terms and conditions nationally.

For example, the stamp duty on a $500,000 property without any concessions across different Australian states is:
- New South Wales (NSW) – $17,990
- Victoria – $25,070
- Queensland – $15,925
- South Australia – $21,330
- Western Australia – $17,765
- Tasmania – $18,247.50
- Australian Capital Territory – $13,460
- The Northern Territory – $23,928.60
Stamp duty varies based on property value and location. NSW calculates it with a mix of fixed amounts and percentages. Victoria uses a sliding scale, with higher percentages for more expensive properties. Stamp duty is a significant revenue source for regional governments, particularly from high-end property transactions.

FAQs

How Much Do Temporary Residents Need to pay for Stamp Duty in Australia?

An additional stamp duty of up to 8% is applied for foreign buyers acquiring property in Victoria and New South Wales, while in Queensland, South Australia and Western Australia, it is 7%. This is in addition to the standard stamp duty. There is currently no additional stamp duty surcharge for foreigners in the Northern Territory and the ACT.

Will the Rental Income From an Investment Property in Australia be Subject to Taxes After a Non-resident Investor Buys it?

Yes, rental income from an investment property in Australia is generally subject to taxation, regardless of whether the investor is a resident or non-resident for tax purposes.
May 22, 2024
Teaching jobs in Bloemfontein at the University of Free State 2024
Bloemfontein is the city of opportunities and career advancements for those who want to create a difference in society. There is exciting news for those searching for lecturer jobs in Bloemfontein. Teaching jobs in Bloemfontein at the University of Free State 2024 are available for only eligible candidates. Therefore, we suggest you not skip any important section of this job article. There is a reason why you should not waste this opportunity because the university promises to offer attractive salary packages.

You have to produce all the relevant documents that we have mentioned later in the job post during the time of selection. You will enjoy many holidays with your family and many job bonuses will also be awarded to the teacher. Now let’s see what we have in the job details below.

Job Title
- Lecturer: Department of Communication Science
University of Free State

The University of Free State takes pride in being the oldest institute with a bright history. It used to be known as Grey University College during its early days. It has numerous campuses in Bloemfontein and one campus in Qwaqwa. The University of Free State has been producing the gem of students by providing the most up-to-date education in modern ways. Furthermore, the University invests heavily in Research and development for scholars of different fields. Hence, to ensure all these aspects, they are on the hunt for aspirants to apply for teaching jobs in Bloemfontein for their Department of Communication Science.

Teaching jobs in Bloemfontein Duties

The University of Free State provides a cooperative and flexible working environment to its teachers and lecturers. But still, you have to perform some basic duties. Those duties include teaching the Bachelors and Masters students. Lecturer jobs also involve the support and guidance of the master’s students in their projects. Apart from teaching, you will be providing your services to the administration as well whenever required.

Requirements for the Lecturer jobs

Just like any other prestigious institute, the University of Free State also hires the best professionals for the teaching of students. To apply for the teaching jobs in Bloemfontein, the candidates will have to meet certain criteria. You should possess a doctoral degree in Communication, Media Studies, or a related discipline. If you do not possess a PhD, no worries. Applicants with a master’s degree along with an NQF level of 9. Furthermore, the University of Free State also requires a decent amount of teaching experience for this job.

Apply for the Teaching jobs in Bloemfontein

JobPortalZA has always been on top whenever job seekers require help or do their research on the latest vacancies in South Africa. Since we have discussed the job details that include activities and requirements for the teaching jobs. Now that the time has come to apply for it. Firstly, visit the official website of the University of Free State and click the vacancies button which is present in the later part of the homepage. Then look for the job with the job title mentioned in the post. Click that and then give a nice look at the job description and press the apply button. Then wait for the University’s response.
February 2, 2024
Mechanical Engineer jobs in Durban, KZN 2024
Lock your horns if you are an Mechanical engineer or dream to be the one. There is an exciting news for you. Kerry, which is a dairy company is looking to hire a professional and eligible candidate for the Mechanical engineer jobs in Durban. This is a full-time permanent electrician job position. You will be pleased with the salary package that the company will provide to its employees working as an engineer. Since this job is based in Durban, you will enjoy the metropolitan lifestyle and many historical sites in this city. Moreover, this announcement has been made on 10 January 2024.

The candidate’s responsibility is to make sure that there is no loophole left in the research of the research of the company. Therefore, for your convenience, we have discussed the company to give you a brief to help you make the decision.

Job Position
- Electrician
Kerry Introduction

Kerry is a multinational company that offers its services related to food and beverages. The company has been doing this business with the utmost professionalism and best work ethic. Furthermore, Kerry has a unique team that has deep research on the customer’s demands and requirements. They keep on researching about the current modern trends. Then, the team adds the different tastes or ingredients that the clients like the most. Therefore, working as an Mechanical engineer in such a dynamic and changing working environment can surely help any professional to grow and shine.

Duties of Mechanical Engineer jobs

The electrical engineer jobs duties may differ from company to company. But to be specific about Kerry, we have discussed the job roles in detail. As an electrician, the company will assign you the duty of managing the plant. You have to make sure that the plant has no shortcomings. There should be no defaulted or damaged parts. Apart from a specific plant, you will also be managing other equipment present on the premises. Furthermore, the electrical engineer will be offering the services according to the rules and policies of the standards.

Requirements for Mechanical engineering jobs

In order to be eligible for the Mechanical engineer jobs in Durban at Kerry, you must possess the minimum criteria that the company has specified. So lets dive straight into the eligibility criteria.

Required Skillset

As an aspirant of the an electrician job, you must possess good welding expertise, you should be well equipped with the overall structure of the equipment. Furthermore, you should be good enough to manage any situation that involves the handling of the plant.

Certifications and degrees

The company wants the Mechanical engineering or any other relevant area of expertise. Furthermore, you should also have the minimum experience of 5 years. Expertise in MS officer and SAP will also be beneficial at the workplace.

Application process

After visiting the official website of Kerry company, you should look for the career button that will be present on top. Now, you will three search bars in the next page. One is for the title, one for the location, and thrid one is for the date. In the title search, you should write electrician and Durban in the location search bar. The exact job will appear. This is the complete the process of how you can reach out to the mechanical jobs in Durban.

If this is not enough for you, you need to visit JobPortalZA where our qualified team has the responsibility of publishing the most authentic jobs in South Africa on daily basis.
January 20, 2024
Latest Security Jobs in Pretoria 2024
Pretoria being the administrative capital of South Africa offers great job opportunities to the job seekers who possess the skillsets. As usual, a company known as AVBOB is looking to hire a professional aspirant for the latest security jobs in Pretoria. However, the nature of this job is permanent and full-time. The candidate must thoroughly analyze the job opportunity before pressing the apply button. The company is happy to give a market-competitive salary package to its security officer.

JobPortalZA has tried its best to simplify and make your job easy in terms of understanding the terms and conditions. This article for security jobs in Pretoria has every important detail that may help you during the selection process.

Job Title
- Senior Security Specialist
Company Introduction

AVBOB is an organization that is focused on providing the best funeral services for the people of South Africa. They have certain criteria and standards to assure the quality of their services. The company’s employees are professional and skillful in their roles. The clients of this entity are highly pleased with their feedback. Hence, it is highly recommendable to do the security job for them in Pretoria. However, it is not as simple as it looks, you still have to fulfill the applying criteria and you must have to agree upon the duties that the employee has to perform.

Duties of the Security Jobs In Pretoria

It is among the essential duties of the security jobs in Pretoria that the officer has to ensure the availability of the security system all the time. You have to provide your assistance to your other staff members. You will be designing the WAN, VPN, and much more in a way that they are aligned with the company’s goal for security. It is also the duty of the security officer that there should be no downtime of any of the components of the company’s system.

Qualification for the Security jobs

Now, we have come to the stage where we have understood the activities of the security officer. Now, let’s get into the requirements to apply for the Security jobs in Pretoria. The candidate should possess a Degree in Information Technology or any other equivalent degree. However, the company also accepts the diploma. ITIL certification is another requirement. In addition to that, you will need to provide proof of prior experience. To be precise, you should possess a minimum of 4 years of working experience in the specific area of expertise.

Procedure to apply for the job

There is no point in paying any money to anyone. You should visit the homepage of the company yourself. For your convenience, we have attached the official link to the article. Click the Career@AVBOB button. Look for security jobs in Pretoria and go for the Apply. However, we recommend you go through the job again for any misinterpretation.

JobPortalZA will keep on doing this good work of publishing the daily jobs in South Africa in different areas of expertise.
January 12, 2024
Security Jobs in Johannesburg 2024

A new opportunity has been announced for the eligible aspirants of the Security Jobs in Johannesburg 2024. This is a full-time job position. Furthermore, the location of the job is ideal, it is one of the finest places in Johannesburg to work at. The company that is offering this job opportunity is SA Metal Group. We will discuss the company in the next paragraph, so you have a decent idea about the company that you are going to work for. Normally, it is common that Security vacancies in Johannesburg do not pay you well. This time you will be earning a handsome amount as a salary package. Along with that, the employee shall enjoy numerous job benefits.

Make sure you do not skip any portion of security jobs in Johannesburg before you decide to apply for the vacancy. Let us have a good look at the job details from now on.

SA Metal Group Introduction

SA Metal Group is famous for its role in the Metal Industry. This company has a history of providing the best quality products that involve the presence of different kinds of metals. The company has talented employees who manage to get the task done within deadlines with perfection. Therefore, one must not miss this opportunity to offer security jobs in Johannesburg at SA Metal Group.

Security jobs in Johannesburg Roles

As a security officer, you must agree to perform some duties assigned by the company. Those duties may involve the examination of the individuals who visit the premises. A security officer has to make sure that no visitor enters the premises without permission. You have to follow the rules and regulations of the company as well. Furthermore, you have to keep an eye on suspicious activities all the time. Perform any other duty that may be assigned to you at the time of the security job.

Requirements for the Security Jobs in Johannesburg

Without fulfilling the eligibility criteria or even knowing it, it is foolish to apply for the job. Hence, this portion is most important. Now, dive into the eligibility criteria. As a candidate for the security jobs in Johannesburg, you must have a minimum education of up to Metric or Grade 12. Moreover, 2 to 3 years of security experience is also mandatory. Aspirants should have a good command of communication skills. You should be physically fit and active. As a security officer, you should have the ability to handle emergencies as per the guidelines. Always come to the workplace on time.

Application process

The process of applying for Security jobs in Johannesburg is that you have to go to the official website and the link to the company is given in this article. On the homepage, there is the career button available, go to the page and write the job title in the search bar. Then, you will see the exact job of your interest. Now press the Appy button and then follow the procedure. However, JobPortalZA has numerous latest vacancies published on its website. We highly recommend you to go through them and enjoy applying for them as well.

January 11, 2024
Security Officer Jobs in Cape Town 2024

Foreign, Commonwealth, and Development Office has announced a great opportunity for aspirants to apply for Security Officer Jobs in Cape Town. The applicants must have a specific skill set and agree to the job description before applying for the security jobs. This job promises to offer the best environment that anyone can imagine for a workplace. The aspirants should wait any further and apply as soon as possible to avoid the application deadline.

The hiring organization has a proper system chain of command and an excellent communication system for the best efficiency and productivity. This role also brings a special responsibility, so the employee must ensure you comply with the organization’s policy.

About Foreign, Commonwealth, and Development Office

Foreign, Commonwealth, and Development Office is responsible for overseeing the operations and management of the UK nationals in South Africa. It has offices in Cape Town and Pretoria. Hence, it needs South African professionals to run this with the optimum productivity level. The office is looking for highly capable aspirants to perform the Security Officer Jobs for it. Furthermore, in the job description, the Foreign Commonwealth Office has articulated the job roles and duties in extremely simple ways. So, in the next paragraph, let us have a good look at them.

Security Officer jobs roles

Many hiring companies or industries have different Security Officer jobs duties as per their requirements. The Foreign Office is no different, it is defined as some duties specific to this job role. As a security officer, you will have to be answerable to the Security Operations Manager. The officer must make the special guest feel comfortable and secure. The aspirants need to have a look at the duty of joining the different meetings and events that require security. Deal with the outsourced parties that provide the security services. You may be asked to visit the Office in Pretoria for business purposes, so be ready for that as well. You must fulfil the queries and questions related the security. Perform any security-related tasks or duties that your manager may assign you during the work.

Requirements for Security Officer jobs

As an aspirant for the Security Officer jobs in Cape Town at the Foreign, Commonwealth, and Development Office, you must possess a minimum criteria set by the entity. You should have an understanding of the security system and should know, how to get the job done with efficiency. Excellent communication skills are required from you as a security officer for the office. Moreover, you should have good organizational and managerial skills to make things more simple. A valid Driver’s license is a must for you to apply for this job position.

Apply for the Security Officer jobs

The official website of the foreign office possesses various vacancies for eligible South Africans. You need to visit the page and click the Search jobs. Then, check South Africa under eh country or region section on the left side of the page. You will be provided with the latest Security Officer jobs. Just visit the job and read it carefully before you apply. In the same regard, JobPotalZA will not disappoint you in searching for the latest job in South Africa.

January 9, 2024
Latest Nurse Jobs in Durban 2024

Do you qualify to be a nurse? Do you possess a decent amount of experience in the relevant field? So, to let you know, The Joint Medical Holdings Group needs applicants to apply for the latest nurse jobs in Durban in 2024. Durban is the city where dreams come true and a land where you will find immense opportunities to channel your skillset. However, this job is available in medical facilities. The candidates will get to work with professional doctors and numerous other medical officers.

The nurse will be experiencing a professional working environment in the clinic. There will be tidiness and everything will be done properly. However, nurse jobs in Durban offered by this hiring organization have high pay and rewarding opportunities for the employee. Just give a detailed eye to the job article to have a better understanding of the terms and conditions of the nurse vacancy.

Company’s Introduction

The Joint Medical Holdings Group is a medical facility. It consists of professional doctors and other assisting medical staff members. This facility provides medical services for patients in emergencies 24/7. Furthermore, they are equipped with expert doctors in various specialties and practices. Their medical care has many facilities, operation theatres, ICUs, and different laboratories. Therefore, to keep things going seamlessly, they are seeking applications for the Nurse jobs in Durban.

Duties of Nurse Jobs in Durban

Nurses are the face of any medical care, they need to be friendly and patient-centered in the workplace. There are specific duties that Nurses will have to perform at the Joint Medical Holdings Group. First and foremost, they need to be doing this nursing practice according to the guidelines and regulations mentioned in the South African Nursing Council (SANC). In addition to that, you should be well aware of the general policies of the hospital as well. Moreover, the Nurse will act as a bridge between the patient and the doctor by assisting the doctor with their history and present condition.

Qualifications for Nursing Jobs

To be able to apply for the Nurse jobs in Durban at the Joint Medical Holdings Group, applicants need to fulfill a criteria. The entity requires the aspirants to possess SANC registration. Expertise in Microsoft Office will also be required from the Nurse. However, it is essential to note that you must possess relevant nursing experience of more than one year. Excellent spoken skills are required from you. Make your presence available to work at different times as well.

Apply for the job

Now, to apply for the full-time Nurse jobs in Durban, you need to follow the process that we are going to mention in this paragraph. The career button present in the header section of the official website of the Joint Medical Holdings Group will take you to the official vacancies announced by the entity.

Just read the job article and you are good to go. JobPortalZA is committed to offering its contribution to job seekers and professionals in South Africa. It is your job to stay in touch with our website.

January 8, 2024
Nurse Jobs in Pretoria, Gauteng 2024

Are you a medical specialist and looking for nurse job s in Pretoria, Gauteng that commence in 2024? AJ PERSONNEL is in search of eligible aspirants who serve the patients to the best of their efforts. Nursing serves as one of the pillars of hospitals that take care of patients with full compassion and gratitude. However, this is a full-time permanent job position that the hospital promises to offer. Furthermore, you will be rewarded with a handsome salary package.

In this article, we have discussed the description, and requirements of a nurse job in Pretoria, Gauteng. It is highly recommended that you do not miss any section of information before deciding to apply for the job. Let dive straight into the details of this nursing vacancy.

About AJ Personnel

AJ PERSONNEL is a talent finder for its clients who are on board with them. This started back in 1987, and since then it has been providing its services to native South Africans. Similarly, as mentioned earlier the agency one of the company is looking for nurse jobs in Pretoria, Gauteng for the session 2024-2025. This institute is not only limited to healthcare jobs but also provides talent for Banking and management jobs. Furthermore, if you are a tech guru, engineer, Financial specialist, or architect this company also hires your calling to get the best career opportunities. Keeping the fact in mind that AJ PERSONNEL is a hiring agency therefore this institute gets all your given data and forwards it to the organization that is looking for competent applicants.

Responsibilities of Nurse Job in Pretoria

It is not enough for any aspirant for a Nurse job in Pretoria to apply for the opportunity before even agreeing to the duties that a Nurse has to perform in the hospital. So, here are the duties an applicant does in the workplace. Regularly conduct the round with the consultants and carry the orders vigilantly during the round. Assisting the procedures and treatment plans effectively. Must understand the doses of different drugs according to MOH i.e. Inotrpic Support, Sedations, Pain Killers, and so on. As a nurse, you can diagnose different diseases according to symptoms and inform the duty doctors. Nurses should know when to give prophylactic treatment and how to control infectious diseases. Lastly, the nurse can deal with the other staff efficiently so that the channel of communication and patient care goes smoothly.

Qualification for Nurse jobs

Applicant must possess the minimum nursing diploma. Furthermore, the candidate should have a certification in NIMART. Certification in HIV Patient Management. Any other certification like ALS, BLS, or PALS is a plus point and increases your chances of getting this Nurse job. Understand the clinical system and data management on the HMIS Software. The company can ask for all the certifications during the selection process.

Application process

Before you go any further answer a few questions. Do you agree to perform the duties that are mentioned in this article? Do you have the relevant certifications? If your answer is yes then do as directed. Like other vacancies, Nurse jobs in Pretoria are visible on the home page of AJ PERSONNEL, click on it, and you will find the apply button at the end of the job. You can find numerous jobs in Pretoria, Gauteng South Africa on JobPortalZA.

January 7, 2024