2. We were referred to Jasper Eng (Head Of Mortgage) from a trusted friend.Jasper's professionalism shined throughout, the entire process. Other property owners may choose to submit a rendition. Greatly appreciated her, help in guiding me to fill up the application form and answer my queries. Cig/Tobacco Tax Hub Operating Property Value means, at any date of determination. Vacant land in NSW, on which you intend to build your first home, with a value not exceeding $800,000. Ranit is buying his first property, a $1.2 million townhouse in Newcastle. Lets get into the details of what Property Annual Value means and how it affects you. answers to my queries.I do not have to worry about not getting the best rates as Jasper will think of our best interest and find the most suitable home loan rates. He handheld me throughout the whole loan application process and made mortgage loan so EASY. 3. This may be far from the actual income that you might receive from renting your home out. WebIn some areas of the country, your annual property tax bill may be less than one months mortgage payment. Will definitely recommend Garry to my family and friends. All Forms & Tools. Aisha is buying her first property, a $750,000 apartment in Concord. Owing to such vacancy, the actual rent received or receivable is less than the value determined under clause Section 23 (1) (a). To do this, you can use the MyTax Portal to file an electronic objection, making sure to include the Notice Number from your last property tax notice. Garry, thanks for your service! Exemptions. Why do I have to pay property tax on my house? Increase in Annual Tax Payable After Rebate, from 2022. Appraised Value With respect to any Mortgage Loan originated in connection with a refinancing, the appraised value of the Mortgaged Property based upon the appraisal made at the time of such refinancing or, with respect to any other Mortgage Loan, the lesser of (x) the appraised value of the Mortgaged Property based upon the appraisal made by a fee appraiser at the time of the origination of the related Mortgage Loan, and (y) the sales price of the Mortgaged Property at the time of such origination. In 2022-23, property tax on the property would be $2,560. It looks like your browser does not have JavaScript enabled. Annual value and tax rates for Owner-Occupied properties: On the other hand, youll have to pay significantly higher in property taxes if you own a property that you dont live in. A penalty of 10 percent of the total amount of taxes imposed the on the property for that year could be incurred for failing to timely file a rendition statement or property report. Your property value can change periodically for reasons including: Several factors can affect your property value. updating me the status of the application. Property tax is essential, but it is all based on the actual situation, and there will be no indiscriminate levy. A rendition is a form that may be used by a property owner to report taxable property owned on Jan. 1 to the appraisal district. 100% of the market value of his house is $175,000. At FinanceGuru, we thrive on helping you achieve your financial goals in a home that you can call your own. But this doesnt mean that the amount you have to pay for property tax in Singapore changes. This a late review , wanted to wait for my refinance home loan to complete (took 3 months). The annual value of your property is something you should most definitely account for when youre buying a new home, just like how youd make long-term calculations to pay off your bank loan or HDB loan for your home. Compliance & Audit Hub Paying your property tax. Prompt response and good service rendered by the consultant on our home loan application. Very appreciative of his timely. Highly recommend anyone who is looking for a mortgage loan to look for Garry Lim. Tax Abatement He also justify the reasons on the pros and cons of these two rates. Most comprehensive library of legal defined terms on your mobile device, All contents of the lawinsider.com excluding publicly sourced documents are Copyright 2013-. It is different from income tax on rental income, which is a tax on income received by an individual. He response to my queries fast. The mathematical equation below illustrates how this is figured: In addition to levying property taxes, the City of Ann Arbor levies an administration fee pursuant to He handheld us throughout the loan application, making it very easy. Borrowing Base Properties means the Oil and Gas Properties of the Loan Parties included in the Initial Reserve Report and thereafter in the most recently delivered Reserve Report delivered pursuant to Section 8.12. The Annual Value of the property is the estimated annual rent of the property if it were to be let, excluding the rent for furniture, fittings and service charge. Contact your local county assessor's office and speak with your appraiser. my queries. They know what they are talking about and that. Its really hard to find someone like Fabian that genuinely shows care and concern especially in property or financial transaction. Unimproved Land means land on which no development (other than improvements that are not material and are temporary in nature) has occurred and for which no development is scheduled in the following 12 months. Very fast and prompt consultant Gary Lim. Extremely responsive and responsible consultants. $148.00 - $196.00. If the buyer purchases the equipment and has possession of it when taxes become delinquent (March 1), the city pursues collection by seizing the property from the buyer (the current owner). Has the same meaning as section 25 of the Duties Act 1997. A Property acquired from a joint venture in which the Borrower or any Subsidiary or Affiliate is a member shall be deemed to have been owned from the date acquired from such joint venture but in such event, the references in this definition to eighteen months shall be changed to twelve months with respect to such Property. Kudos to you! The property tax notice of assessment will be issued to included owners only. you or your spouse must not have previously: owned or co-owned residential property in Australia. mile n expedited my request. Read here to find out how a mortgage broker can help with getting a suitable home loan for you. Ann Arbor property owners receive property assessment and taxable value notification letters annually in March. to go with FinanceGuru, many thanks to the team that made it possible. I was able to save a lot of hassle contacting different bankers and find the most suitable home loan rates for myself.I definitely will recommend him and look forward to find him to help if there is any future requirement on home loan. Reduce Property Tax: When property tax is paid, it can be deducted from the GAV of the property. Tax Pros' Hub Typically, tax assessors will value the property every one to five years and charge the owner-of-record the appropriate rate following the standards set by the taxing authority. Assessors calculate that value using the mill levyalso called the millage taxand the assessed property value. Despite the CB in place, this process was made almost frictionless having Garry being customer focus to assist in completing refinancing in proper. You might have questions about your property annual value and whether it impacts on your home loan in Singapore. First, there are generally more lease transactions than sales transactions so that the AV of each property can be determined based on comparable properties. He will share his personal views, pros, cons and comparisons other than just the rates and % from the papers. He was prompt to keep me informed of the status update on the loan process. Always put us on the best interest and found the most suitable home loan package for us. (Made refinancing mortgage loan so easy)Overall very good experience. Property Operating Expenses means and include all Real Property Taxes, plus all Landlord's Insurance Costs, plus all Property Maintenance Costs. the market value of all new improvements to the property. Business Basics Hub Fuels Tax Hub The Department of Finance determines the market value differently depending on they type of property you own. These are: Occasionally, you might want to file a dispute against the annual value that IRAS has given your property. WebWith few exceptions, Tax Code Section 23.01 requires taxable property to be appraised at market value as of Jan. 1. Property Tax Due Dates Will contact you again, Thanks Fabian! Using data from recent property sales, the appraisal district appraises the value of typical properties in each class. Provide answers to queries promptly. If the rate is the same for these similar companies, dont you agree with me that service will be the next important factor? To understand how taxes are calculated, a look back at Michigan's history is in order. The property owner's opinion of his or her property's value is on record with the appraisal district. In fact, all homes with an annual value of less than $59,000 will not pay property taxes or will pay a lower effective property tax compared to the property taxes payable under the previous structure. First Home Buyer Choice application form PDF, 1129.54 KB. Always in contact with when only necessary, overall please try it for yourself if u need any services from FinanceGuru.. Will definitely. Would like to thank Leonard Cheah for tirelessly getting us the best rates and constantly attending to our queries. We help fund the future of NSW. Upon submission of the self-assessed Return of Annual Property Value and Property Taxes, the municipality shall acknowledge the receipt of the Return in Form PTMR : 9: Acknowledgement of Receipt of Self Assessment Return of Annual Property Value and Property Taxes. A shout-out to Jasper Eng for meeting me personally and guiding me patiently throughout the my housing loan refinancing, process. However, if a Casualty Value Table is attached to the relevant Schedule its terms will control. The Annual Value of the property is the estimated annual rent of the property if it were to be let, excluding the rent for furniture, fittings and service charge. Tax Code Section 23.23(a) sets a limit on the amount of annual increase to the appraised value of a residence homestead to not exceed the lesser of: Tax Code Section 23.23(e) defines a new improvement as an improvement to a residence homestead made after the most recent appraisal of the property that increases its market value and was not included in the appraised value of the property for the preceding tax year. Additional Property means, in respect of a Series, the rights and benefits provided in respect of the Series, or applicable Class, pursuant to any letter of credit, surety bond, cash collateral account, spread account, guaranteed rate agreement, maturity liquidity facility, tax protection agreement, interest rate and/or currency swap agreement, loan agreement, enhancement agreement or other similar arrangement as contemplated under the Pooling and Servicing Agreement and as provided for in the related Series Purchase Agreement. Or visit the Help Page to search. Honestly I was trying my luck.somehow met Garry on the phone and tip top. Ranit is not sure how long he will own the property, but he has heard that half of all owner-occupiers sell their property within about ten years. I would like to recommend Garry who is handheld me throughout the whole loan application process and made mortgage loan, I would highly recommend Melissa Chan from FinanceGuru. Income Tax Hub Why don't we use the estimated annual value of capital value to calculate property tax? This exemption provides disabled persons with an annual $2,000 reduction in the equalized assessed value (EAV) of the property. Property tax is levied on the ownership of the property. Building work commences on the land within 2 years, No other land is, or has been, owned by the. Tax Code Section 23.01 requires that appraisal districts comply with the Uniform Standards of Professional Appraisal Practice if mass appraisal is used and that the same appraisal methods and techniques be used in appraising the same or similar kinds of property. Highly recommended Thea and financeguru! For example, the 2023 property tax on properties with an annual value of above $100,000 is 23 per cent if they are occupied by the owner. So it is the notional rent which could be got if the property One mill is equal to 1/1,000 of a dollar. Casualty Value means the greater of the aggregate Rent remaining to be paid for the balance of the lease term or the Fair Market Value of the Equipment immediately prior to the Casualty Loss. SINGAPORE Property taxes for most residential units will increase in 2023. To check the annual value of someone elses home, youll need to pay a sum of S$2.50. service. The District uses ratio studies not only to aid in the reappraisal of properties, but also to test the State Comptrollers Property Tax Division Annual Property Value Study results. Completed ODA 076i Purchaser/transferee declarations for each purchaser/transferee (original forms that were submitted with your assessment), Evidence settlement has occurred (settlement statement, title search). The tax on rental income is computed by applying the marginal slab rate applicable to the taxpayer on the Net Annual value of the property, says Dr Suresh Surana, Founder of RSM India. He is friendly and very helpful throughout the entire process. For more information about these programs, contact the San Jacinto County Appraisal District by telephone at 936-653-1450 or in office at 99 Slade Street Coldspring, Texas 77331 . Timely and Fast Response. Your county assessor's office also can provide you with the form required to declare personal property for your business. he guided me patiently along the whole. At least got to refinance with better deal and get to know a friend.. i fb-ed FinanceGuru and was attended by Fabian. These factors include the addition of new structures or making other improvements that add value. More information can be found at adminstrative work required by us was almost hassle free. Business owners must report a rendition of their personal property. Garry answered my queries patiently, promptly and correctly and best thing is I saved my interest for my house. Garry Lim was very patient & his follow up was very good. Land used for business or a business premises. Estimated Project Cost means Benchmark cost of MNRE which is Rs 8.00 Crore/MWp as per MNRE letter no. 3. keep up the awesome work aptitude and I highly recommend him. Tax Rate History Headlee Amendment and Proposal A, Summer property taxes are payable beginning July 1 and are due without interest or penalty by July 31, Winter property taxes are payable beginning December 1 and are due without interest or penalty by December 31. This applies to all condominiums, HDB flats, or other residential properties that the propertys owner doesnt live in. Highly recommended for those seeking new home loans or looking to refinance.Thank you, Sing Ling and FinanceGuru! Highly recommended, Special thanks to Mark for the effort, always willing to go the extra miles to find the best deal for me. was also accommodating with our schedules. Really appreciate the patience and the thoughts of always thinking from my point of view. How It Works. Property Value means: (i) with respect to any Property owned directly or indirectly by the Borrower or Guarantor for less than eighteen (18) months, the current Property Investment Value of such Property; and (ii) with respect to any Property owned directly or indirectly by the Borrower, or Guarantor for more than eighteen (18) months, the greater of (i) the Net Operating Income for such Property for the most recently completed calendar quarter annualized divided by the Capitalization Rate and (ii) zero. I started consulting with Garry when my earlier home loan was near its lock-in period and I wanted to evaluate offers. Calculate the Annual Net Value (NAV): Net Yearly Value = Total Yearly Value Property Tax. Besides property loan, he also recommended us a good law firm and mortgage insurer. Contact your county treasurer for specific tax rate information. Provided me with exceptional customer service throughout the entire loan process and made the mortgage loan process so easy.When researching home loan rates, she always considers our best interests. trustworthy and quick responsive. For example,if the city's millage rate is 10 mills, property taxes on a home with a taxable value of $50,000 would be $500. good and honest service by jasper and angeline! The statements and reports must be delivered to the chief appraiser after Jan. 1 and no later than the deadline indicated below. Depending on your Property Annual Value and the percentage of your tax rate, youll have to pay a varying amount in property taxes. In a statement on Friday (2 December), the Ministry of Finance (MOF) and the Inland Revenue Authority of Singapore (IRAS) said that the Annual Values (AV) of most residential units, which include private properties and HDB flats, will be revised upwards from 1 January, Tax Code Section 25.19 requires a chief appraiser to send property owners a Notice of Appraised Value by: If a property owner disagrees with the value in the notice, they may use the Property Owner's Notice of Protest included with the notice to file a protest with the ARB. Appeals. thanks a million Garry , Was served by Garry. each of them. He was patient and understood what we need. More information can be found at Property Tax. Highly recommend. Great leg work from Garry Lim! It was easier to work on the loan and insurance with her help. Annual value and tax rates for Non-Owner-Occupied properties: Certain residential non-owner-occupied properties fall within a tax exclusion list and get taxed at a fixed 10%. an explanation that the appraisal district only determines a property's value and does not decide on tax increases. INTRODUCTION. React to request fast. The new structure will take effect on January 1, 2014. He handled me through out the whole process and made the mortgage loan so easy. Deeds of reconveyance do not interact with property ta An industry is considered to be a single, corporate entity or operating subdivision. sincere replying to our queries.We managed to sign up a Home Loan offer with another bank. This definition does not prohibit a business from expanding its operations in another area of the state provided that existing operations of a similar nature are not. WebProperty tax formula Annual property tax is calculated by multiplying the Annual Value (AV) of the property with the Property Tax Rates that apply to you. honest and transparent. Each property has an annual value. The first step in how property taxes are calculated is coming up with the assessed value of a home, which is different from its market value. Some states calculate the assessed value of homes differently. In California, for example, a homes assessed value is based on its purchase price. The Industry means a business engaged in interstate or intrastate commerce for the purpose of manufacturing, processing, or assembling products, conducting research and development, or providing services in interstate commerce, but excludes retail, health, or professional services. A first home buyer purchasing vacant land with a value not exceeding $800,000 on which they intend to build a home will also have the choice of either transfer duty or an annual property tax. It was such a great experience with the service provided by Fabian, from FinanceGuru. queries were answered promptly and precisely. Because of how taxable value is calculated, it is - in many cases - less than a property's assessed value. Fast forward, Fabian kept on top of things and ensured it was a smooth process between various parties (bankers, legal, hdb). WebThe annual property tax payments will be based on the land value of the purchased property, notices are issued each financial year. He always provide answer to my queries promptly and correctly. The timely response and follow up made his service stand out. You can find these details on the same IRAS platform used to check the annual value of your own property. various loan packages and gave us options to choose from. There is no double taxation here. The list contains a description and the name and address of the owner for each property. Thank you for doing the extra mile ! Tax Code Section 22.07 authorizes the chief appraiser or a representative to enter the premises of a business, trade or profession to inspect the property to determine the existence and market value of tangible personal property used for the production of income and if it has taxable situs. Contact Revenue NSW for more information. best advise and solution on cost saving for my properties. position where my OTP deadline was halfway through and I was still missing crucial documentation. I did not make a quick decision when he 1st approached me but he patiently follow up with me on the latest rate. The appraised home value for a homeowner who qualifies his or her homestead for exemptions in the preceding and current year may not increase more than 10 percent per year. To avoid paying personal property taxes for that business in future years, the business owner must take actions todelete the businessfrom the city's tax roll. Get free, non-obligatory advice by contacting us today. Property taxes are calculated by multiplying the taxable value of a property by the millage rate (tax rate). [emailprotected], Sitemap | Accessibility and Title VI | Policies and Notices | Privacy and Security. Until 1994, property in Michigan was assessed at half its market value for tax purposes. UNIMPROVED REAL PROPERTY means Property in which the Company has an equity interest that was not acquired for the purpose of producing rental or other operating income, that has no development or construction in process and for which no development or construction is planned, in good faith, to commence within one (1) year. Documents were reviewed and submitted in a short couple of days period. He. Professional service with sound advice, for a peace of mind! However, that person will be liable for their share of transfer duty and the portion they own may contribute to their land tax liability. Category 3: Evidence of operating in the community, Category 4: Evidence of current residential address. Make comparisons for me at ease. Heres a more detailed look at how your annual value will affect the property taxes youll need to pay if you are both the owner and occupier of your flat. Thumbs up! Thinking in my best interest and putting forward the most suitable plans for me to choose from. The one place of residence of a person, whether within or outside Australia, that is the primary residence of that person. He. Good job! Thank you for all your hardwork and assistance! Strongly recommend for anyone looking to save the hassle and to get the best deal, look for Gary. I was able to pinpoint the most suitable home loan rate due to prompt and reliable reply. You must sign the agreement for sale or transfer of land on or after the initiative commencement date (see below for details). his trade and has provided me with valuable advise and guidance. The equity partner cannot be your spouse. Fabian has been very professional and followed through my case diligently. 100% of the market value of his half-acre lot on which the house sits is $125,000. I strongly recommend him for housing loan relating services. 2023 Property Tax Payable After Rebate. All the other taxing districts for the property he owns repeat this process. First Home Buyer Choice Application form (ODA 083). I had already done my homework and knew exactly what I was after, and Sin Ling was particularly enthusiastic and helpful in getting the ball rolling immediately to secure the best floating rate mortgage and law firm. Garry is very friendly and helpful. Solicitors and conveyancers lodging on behalf of their clients must lodge the application with Revenue NSW through the eDuties portal. view of the interest rates packages available and in depth market knowledge. Learn more about property taxes in Singapore here. The Tax Commission doesn't collect property tax. There is no proration of personal property taxes. Garry Lim highly recommended by my trusted friend. Property owners can calculate their tax bill by multiplying their taxable value by the millage rate. , I approached Finance Guru for assistance to apply for my housing loan and Garry Lim responded very promptly. Or, more simply, for every $1,000 in taxable value, a property owner will pay $1 in property tax. Year 2022: ($30,000 x 10%) + ($6,000 x 12%) = $3,720 Year 2023: ($30,000 x 11%) + ($6,000 x Accommodation facilities within any sports and recreational club, Child care centres, student care centres, or kindergartens, Hospitals, hospices, or places for rehabilitation, convalescence, nursing care or similar purposes, Hotels, backpackers hostels, boarding houses or guesthouses, Staff quarters that are part of any property exempted from tax under s6(6) of the Property Tax Act, Rentals of similar properties in the area. The following information explains the factors involved in determining property assessments and the terminology used in this process. They. If you are experiencing difficulties as a result of a natural disaster in NSW, please contact us to discuss your options. It is literally a first come first serve basis for my selection as I was in a hurry to kick off my resale application.Mr Garry clearly explained the various mortgage rates and unbiasedly recommended me two competitive bank rates suited to my risk profile. The property owner's correct mailing address is established on record so taxing units send tax bills to the right address. Increase in Annual Tax Payable After Rebate, from 2022. The higher the value of the house or car, the higher the tax. loan.Provided answers to my queries promptly and correctly.Understand my needs and proposed the best interest and find the most suitable home loan rates for me.He is Timely and of Fast ResponseAdvised me throughout the whole loan application process and made mortgage loan so EASY. Jasper and Thea were very helpful to my wife and I as we journeyed together when we bought our property recently. With patience and value added services we are very thankful that we made the right decision. How to apply for a home loan in Singapore? Kudos to Garry and thank you for going the extra mile! Strongly recommended! Example 1: Jessica and Matthew do not choose Property Tax, Proof of identity for first home grants and schemes, FHOGS compliance for banks/financial institutions, Residential land that is not owner-occupied, you must be an individual (not a company or trust)*, you, or at least one person youre buying with, must be an Australian citizen or permanent resident. This city is one taxing district. If settlement occurs between 11 November 2022 and 15 January 2023, eligible first home buyers will need to pay transfer duty, and then apply for a retrospective refund between 16 January 2023 and 30 June 2023. Operating Cost means the costs associated with operating a multifamily development once the project is placed in service. Line A plus line B minus line C is the taxable value: $175,000, Line D times the total rate of 0.01352 is George's property tax bill for that year: $2,366, Changes to the market value of all properties in your neighborhood, Your county assessor's office discovers more accurate information, Voters approve an increase to property tax revenue (e.g., bonds, overrides), Your taxing districts apply new construction or new annexations. It can help pay: In the event a business closes, the business owner is still responsible for paying taxes for that year. I am more than willing to share with you my successful trading outcome today. Transfer duty on this purchase is $50,200, and the purchase price is above the threshold for any first home buyer transfer duty concessions. free. We felt at ease with these professionals from Finance Guru. This involves studies and analysis of the local real estate market. Good step by step guidance, on applications. If the purchaser/transferee is acting as trustee, details of the trust and all supporting documentation including any relevant stamped or endorsed declaration of trust. You can find out the always offer relevant advice when communicating with us. Please turn on JavaScript and try again. With his help, we are confident that we have made the best decision out of all the options available.We will definitely highly recommend Jasper to our friends in the future!Josiah and Shelia, Garry is responsive and helpful. Think of my best interest and find the most suitable home loan rates for me. (Check with your county assessor to find out which exemptions might apply.). He came prepared with comparisons of the. COMMENCEMENT DATE - is defined in each Schedule. If you want your objection to hold solid ground, youll need to make your case using the 5 considerations mentioned above, instead of letting personal financial hardship cloud your dispute. Business personal property (if owned by a single taxpayer and with an aggregate value greater than $250,000 per county). In order to meet our deadlines, she went above and beyond to help us find a solution.The promptness and speed of her responses impressed me the most. Increase in Annual Tax Payable After Rebate, from 2022. Pay now or learn about your options to manage your fines and fees. I like his consultative approach when he start to understand my thoughts and planning 1st before he match the most suitable package. Defintely. Property tax rates for non-owner-occupied residential properties will be based on progressive rates ranging from 10% to 20%, compared to the previous flat rate of 10%. Garry was extremely accomodating, helpful and prompt in responding to my queries and requests. Idaho law doesn't limit increases or decreases to property value from year to year. In other places, it can be as high as three to four times your monthly A Property contributed to a joint venture by the Borrower or Guarantor shall be deemed to have been owned by such joint venture from the date of such contribution. To do this, the business owner must provide written notification to the city's assessor's officeandcontact the city'streasurer's office to obtain a final bill. She provided us with a shortlist of rates from different banks and indicated in fine details the advantages of each plan and tenure. criteria before recommending the most suitable loan available. gave us sound advice and were prompt in their responses, even at odd hours and over the weekends. If you want to check your propertys annual value, you can do so by signing in with your Singpass on IRAS. This approach seeks to determine what an investor would pay now for a property based on its anticipated future revenue stream. He helped me. is what matters. Thumbs up to his excellent service :), Jasper is very professional and responsive whenever i contact him. Ill definitely recommend anyone to reach out to him if you are looking for financial service! HDB Flat Type. CCAD uses ratio studies not only to aid in the reappraisal of properties, but also to test the State Comptrollers Property Tax Division Annual Property Value Study results.In accordance with Section 5.102, PTC the Comptrollers Property Tax Division conducted a 2018 MAPs Review to determine compliance and level of professional and uniform performance in appraising property. 2023 Property Tax Payable After Rebate. I chanced upon Financeguru. The first, and the easier way, is to log on The New Town city council passed a budget of $9,500,000. Highly recommend Fabian. a list of the taxing units allowed to tax the property; an explanation of available partial or total exemptions; a detailed explanation of how to protest; the date and place the appraisal review board (ARB) will begin hearing information; an explanation of the availability and purpose of an informal conference with the appraisal office before a hearing on a protest; and. Appreciate Jasper for looking out for our needs and advising us on timing to secure the rates before it headed up.Many thanks to Jasper and team once again!Immanuel, Firstly, I would like to commend FinanceGuru, Mr Garry for being the fastest one to contact me (half a day) after I had. available given our situation. broker I have gotten in contact with during that period. He had seriously considered my refinance. He made this home purchase journey easier. Typically, the board meets to hear appeals between the fourth Monday in June and the second Monday in July. Thumbs up for such wonderful service and highly recommended. Delighted that I made this decision. Garry was very patient, guiding step by step along the application process. Prior to meeting her, I was in a precarious. The home must be occupied by at least one of the eligible purchasers as their principal place of residence for a continuous period of at least 6 months, with that occupation starting within 12 months after Settlement. 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