Glossary - CSA

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A / B / C / D

A​

Affordability / Borrowing capacity

The amount of money available for you borrow, based on your current financial state as determined by a financial institution. This calculation takes into account your income, living arrangements and expenses, other loan repayments and any other regular recurring payments you make.

Use our Borrowing Power calculator

Auctions

If you wish to purchase a property at auction, it’s important to be aware of a few key points:

1. there is generally no cooling off period;
2. the contract is usually unconditional with the exception of varying the settlement date; and
3. 10% deposit is generally required on the fall of the hammer. A lesser amount may be negotiated with the vendor prior to the auction.

It is always best to apply for a pre-approval prior to the auction so that if you are the successful bidder you already have most of the legwork done.

Action tips

Anti-virus software

Is designed to detect and remove viruses from computers but can also protect against a wide variety of threats, including other types of malicious software, such as key loggers, browser hijackers, trojans, spyware and ransomware.

How anti-virus software works

Anti-virus software typically runs as a background process, scanning computers, servers or mobile devices to detect and restrict the spread of malware.

Antivirus software usually performs these basic functions:

• Scanning directories or specific files for known malicious patterns and alerting you to the presence of malicious software.
• Allowing you to schedule scans so they run automatically.
• Allowing you to initiate new scans at any time.
• Removing any malicious software, it detects. Some anti-virus software programs do this automatically in the background, while others notify you of infections and ask you if you want to clean the files.
• In order to scan your computer systems, anti-virus software must be given a high level of access. This makes anti-virus software itself a common target for fraudsters.

So be sure to purchase anti-virus software from a trusted source and always keep it updated. PC Mag have trialled and tested over 40 programs, check out their recommendations.

B​

Affordability / Borrowing capacity

The amount of money available for you borrow, based on your current financial state as determined by a financial institution. This calculation takes into account your income, living arrangements and expenses, other loan repayments and any other regular recurring payments you make.

Use our Borrowing Power calculator

Auctions

If you wish to purchase a property at auction, it’s important to be aware of a few key points:

1. there is generally no cooling off period;
2. the contract is usually unconditional with the exception of varying the settlement date; and
3. 10% deposit is generally required on the fall of the hammer. A lesser amount may be negotiated with the vendor prior to the auction.

It is always best to apply for a pre-approval prior to the auction so that if you are the successful bidder you already have most of the legwork done.

Action tips

Anti-virus software

Is designed to detect and remove viruses from computers but can also protect against a wide variety of threats, including other types of malicious software, such as key loggers, browser hijackers, trojans, spyware and ransomware.

How anti-virus software works

Anti-virus software typically runs as a background process, scanning computers, servers or mobile devices to detect and restrict the spread of malware.

Antivirus software usually performs these basic functions:

• Scanning directories or specific files for known malicious patterns and alerting you to the presence of malicious software.
• Allowing you to schedule scans so they run automatically.
• Allowing you to initiate new scans at any time.
• Removing any malicious software, it detects. Some anti-virus software programs do this automatically in the background, while others notify you of infections and ask you if you want to clean the files.
• In order to scan your computer systems, anti-virus software must be given a high level of access. This makes anti-virus software itself a common target for fraudsters.

So be sure to purchase anti-virus software from a trusted source and always keep it updated. PC Mag have trialled and tested over 40 programs, check out their recommendations.

C​

Affordability / Borrowing capacity

The amount of money available for you borrow, based on your current financial state as determined by a financial institution. This calculation takes into account your income, living arrangements and expenses, other loan repayments and any other regular recurring payments you make.

Use our Borrowing Power calculator

Auctions

If you wish to purchase a property at auction, it’s important to be aware of a few key points:

1. there is generally no cooling off period;
2. the contract is usually unconditional with the exception of varying the settlement date; and
3. 10% deposit is generally required on the fall of the hammer. A lesser amount may be negotiated with the vendor prior to the auction.

It is always best to apply for a pre-approval prior to the auction so that if you are the successful bidder you already have most of the legwork done.

Action tips

Anti-virus software

Is designed to detect and remove viruses from computers but can also protect against a wide variety of threats, including other types of malicious software, such as key loggers, browser hijackers, trojans, spyware and ransomware.

How anti-virus software works

Anti-virus software typically runs as a background process, scanning computers, servers or mobile devices to detect and restrict the spread of malware.

Antivirus software usually performs these basic functions:

• Scanning directories or specific files for known malicious patterns and alerting you to the presence of malicious software.
• Allowing you to schedule scans so they run automatically.
• Allowing you to initiate new scans at any time.
• Removing any malicious software, it detects. Some anti-virus software programs do this automatically in the background, while others notify you of infections and ask you if you want to clean the files.
• In order to scan your computer systems, anti-virus software must be given a high level of access. This makes anti-virus software itself a common target for fraudsters.

So be sure to purchase anti-virus software from a trusted source and always keep it updated. PC Mag have trialled and tested over 40 programs, check out their recommendations.

D

Affordability / Borrowing capacity

The amount of money available for you borrow, based on your current financial state as determined by a financial institution. This calculation takes into account your income, living arrangements and expenses, other loan repayments and any other regular recurring payments you make.

Use our Borrowing Power calculator

Auctions

If you wish to purchase a property at auction, it’s important to be aware of a few key points:

1. there is generally no cooling off period;
2. the contract is usually unconditional with the exception of varying the settlement date; and
3. 10% deposit is generally required on the fall of the hammer. A lesser amount may be negotiated with the vendor prior to the auction.

It is always best to apply for a pre-approval prior to the auction so that if you are the successful bidder you already have most of the legwork done.

Action tips

Anti-virus software

Is designed to detect and remove viruses from computers but can also protect against a wide variety of threats, including other types of malicious software, such as key loggers, browser hijackers, trojans, spyware and ransomware.

How anti-virus software works

Anti-virus software typically runs as a background process, scanning computers, servers or mobile devices to detect and restrict the spread of malware.

Antivirus software usually performs these basic functions:

• Scanning directories or specific files for known malicious patterns and alerting you to the presence of malicious software.
• Allowing you to schedule scans so they run automatically.
• Allowing you to initiate new scans at any time.
• Removing any malicious software, it detects. Some anti-virus software programs do this automatically in the background, while others notify you of infections and ask you if you want to clean the files.
• In order to scan your computer systems, anti-virus software must be given a high level of access. This makes anti-virus software itself a common target for fraudsters.

So be sure to purchase anti-virus software from a trusted source and always keep it updated. PC Mag have trialled and tested over 40 programs, check out their recommendations.