Student
Option 5: Shelter 25% of course time
Principal focus: Through the use of contemporary examples, students investigate the legal means of securing shelter and the effectiveness of the law in achieving justice for people seeking and providing shelter.
Themes and challenges to be incorporated throughout this topic: * the role of the law in encouraging cooperation and resolving conflict in regard to shelter * issues of compliance and non-compliance * laws relating to shelter as a reflection of changing values and ethical standards * the role of law reform in protecting the rights of those seeking shelter * the effectiveness of the legal and non-legal responses in achieving just outcomes in regard to the provision of shelter.
Buying a property: 1. The National Consumer Credit Protection Act 2009 gives protection to people borrowing money. It requires home loan providers to give you information that is clear and easy to understand, so that you can make a decision on whether you can afford to borrow. The Act applies to: * Mortgages * Housing loans * Credit cards * Department store cards * Overdrafts * Hire of goods * Short-term credit
2. Before you sign a mortgage contract, the home loan provider must give you: * Details about fees and charges in a pre-contractual statement * An information statement which outlines your rights and obligations.
3. Pre contractual statements should tell you: * The amount of money you are borrowing * The annual percentage interest rate * How the interest is calculated and when it is charged * The credit fees and charges to be paid or how they will be calculated
4. In NSW, conveyances must be licensed with NSW Fair Trading. Most conveyances hold an unrestricted license that allows them to perform the full scope of conveyance work for residential, commercial and rural property. Conveyancer’s
Principal focus: Through the use of contemporary examples, students investigate the legal means of securing shelter and the effectiveness of the law in achieving justice for people seeking and providing shelter.
Themes and challenges to be incorporated throughout this topic: * the role of the law in encouraging cooperation and resolving conflict in regard to shelter * issues of compliance and non-compliance * laws relating to shelter as a reflection of changing values and ethical standards * the role of law reform in protecting the rights of those seeking shelter * the effectiveness of the legal and non-legal responses in achieving just outcomes in regard to the provision of shelter.
Buying a property: 1. The National Consumer Credit Protection Act 2009 gives protection to people borrowing money. It requires home loan providers to give you information that is clear and easy to understand, so that you can make a decision on whether you can afford to borrow. The Act applies to: * Mortgages * Housing loans * Credit cards * Department store cards * Overdrafts * Hire of goods * Short-term credit
2. Before you sign a mortgage contract, the home loan provider must give you: * Details about fees and charges in a pre-contractual statement * An information statement which outlines your rights and obligations.
3. Pre contractual statements should tell you: * The amount of money you are borrowing * The annual percentage interest rate * How the interest is calculated and when it is charged * The credit fees and charges to be paid or how they will be calculated
4. In NSW, conveyances must be licensed with NSW Fair Trading. Most conveyances hold an unrestricted license that allows them to perform the full scope of conveyance work for residential, commercial and rural property. Conveyancer’s