澳洲请问有人了解stratum title和company title的区别吗？

在澳大利亚房产房屋



请问这俩title一样吗？我查了关于这个stratum title的资料不多，有人懂的请指点指点，谢谢

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Strata是常见的公寓房title，业主有独立产证。
company是在strata推出前的老式产权形式，所有业主都是公司的股东，房屋归公司所有，业主没有独立产证，只有公司股权证。

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Stratum title 跟 strata title 是不同.

Stratum title 是每個业主都有屬於自己的独立产证，但是由一間公司 (registered company) 去管理 common property, 每個业主就變成 公司的 shareholder 跟 director.

對lz 來說，貸款可能比較麻煩一点，因為银行不太喜歡 company/ stratum title.



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我问的是stratum不是strata哈

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谢谢哈 现在确实贷款比较费劲 我的这个又有torrent title又有stratum title 不知道是咋回事

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現在绝大部份房屋 (99%)都是 torrens title, 所以對 lz 來說完全沒有影响。



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可是nab一看我合同上还带了那个stratum就把评估都取消了，说内部政策不贷给这样的……

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试试cba

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我的理解Stratum就是strata title和company title的结合体，独立部分算业主的，公共部分算公司大家share的，因为有了company title的部分，使问题复杂化，所以银行贷款不愿意碰。

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能碰到stratum title很罕见的，楼主赶紧买彩票。

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是不是你买的小区里既有公寓又有terrace又有商业甚至还有council停车场之类的混合体，所以才又有torrence title又有stratum title？

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小区里是有公寓，可是跟我没啥关系吧我是terrace，不过是有那种share的区域，什么停车场，花园什么的，搞的这么复杂。
开始以为Fraser大开发商买着放心呢，啥也不懂就进坑了，买啥彩票啊，哭死

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是郁闷的，实在少见。赶紧买彩票，万一中了你也不会为贷款发愁了。

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我记得有银行可以办company title的贷款，具体哪个不记得了，好像是CBA。你多问几家银行，如果company title贷款能办， stratum就有戏了。

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好吧

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Dualistic system: Strata and Stratum
Strata
It's basically individual ownership of an apartment and joint ownership of the land and common properly combined.
So, the types of properties that we buy today in relation to apartments that fall under the strata category are dualistic.
So, modern legislation related to apartment ownership is dualistic, you as an individual Buy your lot, and then the rest of the common property is held collectively with everyone else.
Stratum
Predate strata, coming only a few years before Strata title regulation
Was the first legislation to own individual, there is also a service company created, each individual also owns a share of the company,
Stratum is a hybrid of company title and strata title

Unitrin system: Tenancy in common and company title arrangement
Apartment owners are co-owners of the whole of the building and land with exclusive rights of permanent occupation to an apartment.

Tenancies in common
Some jurisdiction referred this to as moiety Title, and it's where are subdivided building can have a group of owners collectively own the building including all the lots in the common property. The owners then create leasing or licensing arrangements which effectively provide exclusive use to one of the lots for one of the people.
There is still some around but you don't see a lot of them anymore.
Company title arrangement
The land and the building is owned by a company, so the company is created for that particular purpose. The company's constitution gives the owner of specified blocks of shares in the company the exclusive right to occupy a particular part of the building, usually a lot or an apartment.
Usually there's also a restriction on the right of transfer and so prohibitions in relation to leasing any parts of the building without the director’s consent.

The company can grant the shareholder either your license a license to use a particular lot.

Basically, a company is created.  It owns every single unit including all the land around,
and if you want to live in that scheme and be part of it,
you buy shares in the company and everyone who buy shares in the company will be allocated a particular lot, the agreement between a company and individual shareholder is either a licence or lease.  

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