Document ID: chunk:federal_register_of_legislation:C2025C00162:section:10a:p6
Version: federal_register_of_legislation:C2025C00162
Segment Type: section
Provision Reference: s 10A (pt 6/8)
Character Range: 187183–189748

at the date of commencement of this section, the unit of accommodation is at a location that is:
 (i) 40 kilometres or more, by the shortest practicable surface route, from the centre point of an eligible urban area with a census population of less than 130,000; or
 (ii) 100 kilometres or more, by the shortest practicable surface route, from the centre point of an eligible urban area with a census population of more than 130,000.
 (6) For the purposes of paragraph (5)(c), the distance, by the shortest practicable surface route, between a location (the tested location) and the centre point of an eligible urban area is:
 (a) if there is only one location within the eligible urban area from which distances between the eligible urban area and other places are usually measured—the distance, by the shortest practicable surface route, between the tested location and that location; and
 (b) if there are 2 or more locations within the eligible urban area from which distances between parts of the eligible urban area and other places are usually measured—the distance, by the shortest practicable surface route, between the tested location and the location that is the principal location of those parts.
 (7) A unit of accommodation is a dwelling if:
 (a) the unit of accommodation is constituted by, or contained in, a building; and
 (b) the unit consists, in whole or in substantial part, of residential accommodation.
 (8) A unit is a stratum unit in relation to a dwelling if:
 (a) the unit is a unit on a unit plan registered under a law of a State or Territory that provides for the registration of titles of a kind known as unit titles or strata titles; and
 (b) the unit comprises:
 (i) a part of a building that contains the dwelling and consists of a flat or home unit; or
 (ii) a part of a parcel of land and the building containing the dwelling is constructed on that part.

Housing loan
 (9) A loan is taken to be a housing loan if:
 (a) the loan is made to, or used by, a person (whether in his or her own right or jointly with his or her partner) wholly:
 (i) to enable the person to acquire a prescribed interest in land on which a dwelling or a building containing a dwelling was subsequently to be constructed; or
 (ii) to enable the person to acquire a prescribed interest in land and construct, or complete the construction of, a dwelling or a building containing a dwelling on the land; or
 (iii) to enable the person to construct, or complete the construction of, a dwelling or a building containing a dwelling on land in which the person