Is there a way to get PR in Australia by giving money to the govt which is then refunded 100% with interest?
Answer:
No.
You may be getting confused with the Investor visa. This visa is aimed at people with a strong history of investing, who have accumulated a substantial amount of money, which they intend to invest in Australia.
If you would like to determine your eligibility for Australian permanent residence there are a number of websites that have online eligibility tests
No
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