QPIA Module Four – Finance and Structuring

QPIA Module Four – Course Introduction and Study Guide
6 Topics
Introduction & Aims
Getting the most out of this Learner Guide
The Learning Approach and Assessments
Learning Objectives and Course Outline
Suggested Study Schedule
Disclaimers & Authors
Topic One – Financial Capacity
10 Topics
Financial capacity
Factors determining a property’s investors borrowing capacity
Capacity
Collateral
Types of properties
Nature of title
Credit
Character
Summary & References
Suggested answers to activities
Topic Two – Loans
12 Topics
Introduction & Learning Objectives
Loans
Principal and interest (P&I)
Interest only (IO)
Principal and interest compared to interest only
Lines of credit
Which option suits which property investor?
Fixed versus variable
Variable-rate loans
Fixed-rate loans
Summary & References
Suggested answers to activities
Topic Three – Types of Loan Products
11 Topics
Introduction & Learning Objectives
Types of loan products
Standard variable home loan
Introductory home loan
Basic home loan
Professional package
Fixed-rate home loan
Combination loan
Line of credit
Summary & References
Suggested answers to activities
Topic Four – Types of Borrowers
8 Topics
Types of borrowers
Fully verified
Self-certified
Credit impaired
Asset lend
Types of securities
Summary & References
Suggested answers to activities
Topic Five – Sources of Finance
10 Topics
Sources of finance
Banks, building societies and credit unions
Securitised lenders
Non-conforming lenders
Insurance companies
Mortgage trusts
Trustee companies
Private loans (asset lend)
Summary & References
Suggested answers to activities
Topic Six – Borrowing Capacity
7 Topics
Borrowing capacity and fully verified borrowers
Borrowing capacity and self-certified borrowers
Credit impaired
Asset borrowers
Selecting the right loan from the right lender
Summary & References
Suggested answers to activities
Topic Seven – Applying for the Loan
17 Topics
Competitive market
Paying the deposit
Established purchases
Cash
Borrow
Deposit bond
Bank guarantee
Off the plan
Cash
Borrow
Deposit bond
Bank guarantee
Which option is best?
A word about purpose
The process to borrow
Summary & References
Suggested answers to activities
Topic Eight – Determining Client Ownership Structures
18 Topics
Determining client ownership structures
Types of ownership structures
Personal ownership – sole owner
Personal ownership – joint ownership
Entity ownership
Company structure
Trusts
Self-Managed Superannuation Funds (SMSF)
Business premises
Comparing the different types of ownership structures
Valuation of property investment opportunities
Discounted cash flow techniques
Net present value
Non-discounted cash flow methods
Payback period
Accounting rate of return
Summary & References
Suggested answers to activities
Conclusion
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QPIA Module Four – Finance and Structuring Topic Eight – Determining Client Ownership Structures Suggested answers to activities
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