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To learn more about how to calculate the concession, Revenue Ruling DA-048v2 – Duty concession for off-the-plan sales. Without the off-the-plan concession, Aaliyah would have paid land transfer duty on $800,000 at general rates. The dutiable value of her apartment after applying the off-the-plan concession is $320,000 ($800,000 – $480,000). Aaliyah can only get the off-the-plan concession for construction costs after she signed her contract. When construction is completed and the purchase settles, the vendor (RJB) provides information so we can calculate the off-the-plan concession. This means the dutiable value of his townhouse after applying the off-the-plan concession is $1,100,000 ($1,700,000 – $600,000).

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This is a register of people who provide personal advice on investments, superannuation and life insurance. The following providers are authorised deposit-taking institutions who can offer term deposits that will be covered by the government’s Financial Claims Scheme. There may also be legitimate investment products (e.g. managed funds) that seem similar to what a term deposit offers, but these are much higher risk, ASIC warns. If you have more than $250,000 to invest, you could spread your savings across multiple term deposit providers covered by the scheme to ensure you are protected. Some term deposits allow you to build on your savings by reinvesting the interest earned.

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If the person you want to add as an additional cardholder isn’t already banking with us, we’ll need them to be identified at an Australia Post outlet. It’s calculated on the daily unpaid balance from your previous statement using the annual percentage rates outlined in your Schedule. Interest is calculated at the end of the statement period. If we’re unable to accept the issuer or biller you’ve provided, we’ll let you know that we cannot proceed with your balance transfer request. Due to system, process, or any other limitations, we’re unable to process balance transfers from some issuers or billers. When you apply and are approved for a credit card, we’ll set up a credit limit for you – your credit limit is the most you can spend on your card before you need to start paying it off.

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