Kung ano ito, at kung ano ang hindi
Isa itong salin. Kung may pagkakaiba sa English, ang English na bersyon ang masusunod.
Ang Stonehhart Score ay pangkalahatang impormasyon, hindi financial advice.
Inihahanda ito nang walang anumang alam tungkol sa inyong mga layunin, financial na sitwasyon o pangangailangan. Hindi ito financial, investment, legal o taxation advice, hindi ito rekomendasyon na bumili, magbenta o magpanatili (hold) ng anumang property, at hindi ito iniangkop para sa inyo. Hindi nagde-deal ang Stonehhart sa mga financial product at wala itong Australian Financial Services Licence. Bago kumilos, isaalang-alang kung angkop ang impormasyon sa inyong sitwasyon at kumuha ng sarili ninyong independent na legal, financial at taxation advice.
Sarili naming score ito, gawa sa sarili naming paraan.
In-house assessment ang Stonehhart Score. Ipinapakita nito kung paano namin binabasa ang impormasyong nakalap namin, gamit ang sarili naming model at sarili naming weightings, na parehong maaari naming baguhin. Ito ay aming opinyon, hindi industry standard, hindi opisyal na rating, at hindi pahayag ng obhetibong katotohanan tungkol sa isang suburb. Ang ibang analyst na gagamit ng ibang factors o ibang weightings ay makatwirang aabot sa ibang numero.
Hindi namin maipapangako na tama o napapanahon ang data.
Binubuo namin ang Score mula sa mga pampublikong source at nag-iingat kami nang makatwiran para magamit ang pinakabagong data na mayroon kami at para isaad ang petsa ng bawat input. Gayunpaman, minsan ay hindi kumpleto o hindi tama ang data mula mismo sa pinagmulan, at binabago, pinapalitan o binabawi ito ng naglathala nito pagkatapos naming gamitin. Hindi namin ginagarantiya (we do not warrant) na tama, kumpleto o napapanahon ang Score o anumang data sa likod nito, at hanggang sa pinakamalawak na saklaw na pinapayagan ng batas, hindi kami mananagot sa pagkalugi na dulot ng anumang mali, pagkukulang o pagbabago rito. Walang anuman dito ang nakaaapekto sa mga karapatan ninyo sa ilalim ng Australian Consumer Law na hindi maaaring alisin.
Suburb ang sinu-score nito, hindi kailanman ang isang property.
Ang dalawang bahay sa iisang kalye ay maaaring magkaibang-magkaiba sa halaga at risk. Ang kalidad ng pagkakagawa, land-to-asset ratio, kung saan nakaharap ang bahay (orientation), floor plan at kalagayan ng body corporate ay sinusuri kada property at hindi bahagi ng score na ito. Ang suburb score ay panala para sa shortlist, hindi hatol sa anumang bahay.
Binuo ito sa isang bahagi ng aming model, at sinasabi nito kung aling bahagi.
Ipinapakita ng Score ang mga location, financial at risk factor ng aming 24-factor selection model na kaya naming sukatin mula sa published na data. Isinasaad ng bawat score kung ilan sa 24 na factor ang pinagbatayan nito at ang petsa kung kailan napapanahon ang bawat input. Kapag masyadong kaunti ang data namin para makatiyak, sinasabi namin ito at hindi namin ibinibigay ang assessment sa halip na tantiyahin ito.
Hindi maihahambing ang mga numero sa pagitan ng mga state.
Galing ang mga input sa Australian Bureau of Statistics, mga state police service at iba pang pampublikong source, na bawat isa ay may sariling reference date, depinisyon at paraan ng pagkolekta. Lalo na ang krimen, iba-iba ang pagbilang nito sa bawat state at territory, kaya hindi maaaring i-rank ang isang suburb sa isang state laban sa suburb sa ibang state sa sukatang iyon. Paghambingin sa loob ng iisang state, hindi lampas sa border.
Hindi hinuhulaan ng mga nakaraang pattern ang mga resulta sa hinaharap.
Maaaring bumaba o tumaas ang halaga ng property. Walang anuman sa Score ang forecast, projection o garantiya ng anumang resulta, return o capital growth.
Basahin sa English
The Stonehhart Score is general information, not financial advice. It is prepared without knowing anything about your objectives, financial situation or needs. It is not financial, investment, legal or taxation advice, it is not a recommendation to buy, sell or hold any property, and it is not tailored to you. Stonehhart does not deal in financial products and does not hold an Australian Financial Services Licence. Before acting, consider whether the information is appropriate for your circumstances and obtain your own independent legal, financial and taxation advice.
It is our own score, produced by our own method. The Stonehhart Score is an in-house assessment. It reflects how we read the information we have gathered, using our own model and our own weightings, both of which we may change. It is our opinion, not an industry standard, not an official rating, and not a statement of objective fact about a suburb. Another analyst applying different factors or different weightings would reasonably reach a different number.
We cannot promise the data is accurate or current. We compile the Score from public sources and take reasonable care to use the most recent data available to us and to state the date of each input. Data is nonetheless sometimes incomplete or inaccurate at source, and is revised, superseded or withdrawn by its publisher after we have used it. We do not warrant that the Score or any data behind it is accurate, complete or current, and to the maximum extent the law allows we are not liable for loss arising from any error, omission or change in it. Nothing here affects rights you have under the Australian Consumer Law that cannot be excluded.
It scores a suburb, never a property. Two houses in the same street can differ enormously in value and risk. Construction quality, land-to-asset ratio, orientation, floor plan and body corporate health are assessed per property and are not part of this score. A suburb score is a shortlist filter, not a verdict on any home.
It is built on part of our model, and it says which part. The Score reflects the location, financial and risk factors of our 24-factor selection model that we can measure from published data. Every score states how many of the 24 factors it was built from and the date each input was current. Where we hold too little data to be confident, we say so and withhold the assessment rather than estimate it.
Figures are not comparable between states. Inputs come from the Australian Bureau of Statistics, state police services and other public sources, each with its own reference date, definitions and collection method. Crime in particular is counted differently by every state and territory, so a suburb in one state cannot be ranked against a suburb in another on that measure. Compare within a state, not across a border.
Past patterns do not predict future results. Property values can fall as well as rise. Nothing in the Score is a forecast, a projection, or a guarantee of any outcome, return or capital growth.
