In Australia, many investment properties are financed using Interest Only (IO) loans.
You can choose to pay only the interest during the initial period without repaying the principal, which helps ease cash flow pressure.
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But is an IO loan really the same as the "grace period" often discussed in Taiwan?
Not exactly, as the outcome for each case varies depending on loan terms, bank approval, and the specific property.
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If you are considering investing in Australian property,
understanding the difference between IO loans and grace periods will help you plan with greater peace of mind.
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