{"id":2708,"date":"2025-02-04T12:24:56","date_gmt":"2025-02-04T02:24:56","guid":{"rendered":"https:\/\/anp-au.com\/?p=2708"},"modified":"2025-02-04T12:25:00","modified_gmt":"2025-02-04T02:25:00","slug":"%e6%be%b3%e6%b4%b2%e8%b2%b7%e6%a8%93%e6%94%bb%e7%95%a5%ef%bc%9a%e5%85%ad%e5%a4%a7%e6%ad%a5%e9%a9%9f%e5%8a%a9%e4%bd%a0%e8%bc%95%e9%ac%86%e4%b8%8a%e8%bb%8a%ef%bc%81%f0%9f%8f%a1","status":"publish","type":"post","link":"https:\/\/anp-au.com\/en\/%e6%be%b3%e6%b4%b2%e8%b2%b7%e6%a8%93%e6%94%bb%e7%95%a5%ef%bc%9a%e5%85%ad%e5%a4%a7%e6%ad%a5%e9%a9%9f%e5%8a%a9%e4%bd%a0%e8%bc%95%e9%ac%86%e4%b8%8a%e8%bb%8a%ef%bc%81%f0%9f%8f%a1\/","title":{"rendered":"Australia Property Buying Guide: Six Steps to Help You Buy a Property Easily! \ud83c\udfe1"},"content":{"rendered":"\n

\u5c0d\u65bc\u60f3\u55ba\u6fb3\u6d32\u7f6e\u696d\u5605\u9999\u6e2f\u4eba\u569f\u8b1b\uff0c\u300c\u4e0a\u8eca\u300d\u7d55\u5c0d\u4fc2\u4e00\u500b\u91cd\u8981\u91cc\u7a0b\u7891\uff01\u4f46\u8cb7\u6a13\u904e\u7a0b\u6d89\u53ca\u8ca1\u52d9\u898f\u5283\u3001\u6309\u63ed\u8cb8\u6b3e\u3001\u63c0\u6a13\u3001\u7c3d\u7d04\u3001\u9a57\u6a13\u7b49\u7a0b\u5e8f\uff0c\u7576\u4e2d\u6709\u5514\u5c11\u7d30\u7bc0\u8981\u6ce8\u610f\u3002\u5982\u679c\u5514\u719f\u6089\u7576\u5730\u6a13\u5e02\u898f\u5247\uff0c\u597d\u5bb9\u6613\u6703\u8e29\u4e2d\u4f0f\u3002<\/p>\n\n\n\n

\u70ba\u5497\u5e6b\u52a9\u5927\u5bb6\u66f4\u9806\u5229\u4e0a\u8eca\uff0c\u6211\u54cb\u6574\u7406\u5497 \u300c\u6fb3\u6d32\u8cb7\u6a13\u516d\u90e8\u66f2\u300d<\/strong>\uff0c\u7b49\u4f60\u4e00\u6b65\u6b65\u8a08\u5283\uff0c\u8f15\u9b06\u5be6\u73fe\u7f6e\u696d\u5922\u60f3\uff01\ud83c\udfe1\u2728<\/p>\n\n\n\n

\n\n\n\n

\ud83d\udccc 1. \u5132\u5920\u9996\u671f\uff0c\u8e0f\u51fa\u7f6e\u696d\u7b2c\u4e00\u6b65<\/strong><\/h2>\n\n\n\n

\u8cb7\u6a13\u7b2c\u4e00\u95dc\uff0c\u7576\u7136\u4fc2 \u5132\u5920\u9996\u671f (House Deposit)<\/strong>\u3002\u4e00\u822c\u569f\u8b1b\uff0c\u6fb3\u6d32\u9280\u884c\u8981\u6c42 \u6700\u5c11 5% \u2013 20%<\/strong> \u6a13\u50f9\u4f5c\u70ba\u9996\u671f\uff0c\u7576\u7136\u6108\u591a\u6108\u597d\uff0c\u56e0\u70ba\u9996\u671f\u6108\u9ad8\uff0c\u8cb8\u6b3e\u58d3\u529b\u6108\u4f4e\uff0c\u4ea6\u53ef\u4ee5\u907f\u514d\u652f\u4ed8 \u8cb8\u6b3e\u4fdd\u96aa (LMI)<\/strong>\u3002<\/p>\n\n\n\n

\ud83d\udcdd \u8a08\u7b97\u4f60\u7684\u7f6e\u696d\u9996\u671f<\/strong><\/h3>\n\n\n\n

\ud83d\udcb0 20% \u6700\u7406\u60f3<\/strong>\uff1a\u4f8b\u5982 $80 \u842c\u6a13\u50f9<\/strong>\uff0c\u4f60\u61c9\u8a72\u6e96\u5099 $16 \u842c<\/strong> \u4f5c\u70ba\u9996\u671f
\ud83d\udcb0 5% \u4ea6\u53ef\u884c<\/strong>\uff1a\u4f46\u5982\u679c\u4f60\u53ea\u5132\u5f97 $4 \u842c (5%)<\/strong>\uff0c\u5c31\u6709\u6a5f\u6703\u8981\u652f\u4ed8\u984d\u5916 \u8cb8\u6b3e\u4fdd\u96aa<\/strong><\/p>\n\n\n\n

\ud83d\udca1 \u5feb\u901f\u5132\u84c4\u9996\u671f\u6280\u5de7<\/strong>\uff1a
\u2705 \u5236\u5b9a\u5132\u84c4\u8a08\u5283<\/strong>\uff1a\u5229\u7528 \u9810\u7b97\u8a08\u7b97\u6a5f<\/strong> \u8a2d\u5b9a\u5132\u84c4\u76ee\u6a19
\u2705 \u81ea\u52d5\u8f49\u5e33<\/strong>\uff1a\u6bcf\u6708\u56fa\u5b9a\u8f49\u5165\u5132\u84c4\u6236\u53e3\uff0c\u907f\u514d\u300c\u624b\u75d5\u300d
\u2705 \u6e1b\u5c11\u4e0d\u5fc5\u8981\u958b\u652f<\/strong>\uff1a\u6e1b\u5c11\u5916\u98df\u3001\u53d6\u6d88\u5514\u5fc5\u8981\u8a02\u95b1\uff0c\u5132\u9322\u66f4\u5feb<\/p>\n\n\n\n

\n\n\n\n

\ud83d\udccc 2. \u8a08\u7b97\u4f60\u7684\u8cb8\u6b3e\u80fd\u529b\uff0c\u638c\u63e1\u9810\u7b97<\/strong><\/h2>\n\n\n\n

\u6fb3\u6d32\u9280\u884c\u6279\u51fa\u6309\u63ed\u8cb8\u6b3e (Mortgage) \u6703\u8003\u616e\u4f60\u5605\uff1a
\ud83d\udd39 \u6536\u5165<\/strong> \ud83d\udcb0 \u2013 \u7a69\u5b9a\u6027\u9ad8\u4f4e
\ud83d\udd39 \u4fe1\u7528\u8a55\u5206 (Credit Score)<\/strong> \ud83d\udcca \u2013 \u4fe1\u8cb8\u8a18\u9304\u6703\u5f71\u97ff\u8cb8\u6b3e\u5229\u7387
\ud83d\udd39 \u6bcf\u6708\u652f\u51fa\u8207\u8ca1\u52d9\u8ca0\u64d4<\/strong> \ud83c\udfe6 \u2013 \u4f8b\u5982\u8eca\u8cb8\u3001\u4fe1\u7528\u5361\u3001\u5b78\u751f\u8cb8\u6b3e
\ud83d\udd39 \u73fe\u6709\u5132\u84c4<\/strong> \ud83d\udcb5 \u2013 \u5f71\u97ff\u8cb8\u6b3e\u6279\u6838\u689d\u4ef6<\/p>\n\n\n\n

\ud83d\udccc \u8cbc\u58eb<\/strong>\uff1a\u8a08\u7b97\u6309\u63ed\u4f9b\u6b3e\u6642\uff0c\u8a18\u5f97\u5047\u8a2d \u5229\u7387\u4e0a\u5347 2%<\/strong>\uff0c\u78ba\u4fdd\u81ea\u5df1\u4ecd\u7136\u8ca0\u64d4\u5f97\u8d77\u4f9b\u6a13\uff01<\/p>\n\n\n\n

\ud83d\udd0e \u8a66\u7528\u8cb8\u6b3e\u8a08\u7b97\u6a5f<\/strong> \ud83d\udc49 [Mortgage Calculator]<\/p>\n\n\n\n

\n\n\n\n

\ud83d\udccc 3. \u6435\u5230\u6700\u512a\u60e0\u6309\u63ed\u5229\u7387\uff0c\u7bc0\u7701\u4f9b\u6a13\u6210\u672c<\/strong><\/h2>\n\n\n\n

\u9078\u64c7\u8cb8\u6b3e\u6642\uff0c\u5514\u540c\u9280\u884c\u6703\u63d0\u4f9b\u5514\u540c\u5229\u7387\uff0c\u5dee\u8ddd\u53ef\u80fd\u6703\u5f71\u97ff\u4f60\u6578\u842c\u6fb3\u5143\uff01<\/p>\n\n\n\n

\ud83d\udca1 \u5982\u4f55\u6435\u5230\u6700\u62b5\u6309\u63ed\uff1f<\/strong><\/h3>\n\n\n\n

\u2705 \u6bd4\u8f03\u5514\u540c\u9280\u884c\u5229\u7387<\/strong> \u2192 0.5% \u5dee\u8ddd\u5df2\u7d93\u53ef\u4ee5\u5f71\u97ff\u4f60\u5e7e\u842c\u6fb3\u5143
\u2705 \u5411\u81f3\u5c11\u5169\u9593\u9280\u884c\u67e5\u8a62\u8cb8\u6b3e\u9078\u9805<\/strong>
\u2705 \u8003\u616e\u6435\u6309\u63ed\u7d93\u7d00 (Mortgage Broker)<\/strong>\uff0c\u4f62\u54cb\u53ef\u4ee5\u5e6b\u4f60\u6bd4\u8f03\u5514\u540c\u9280\u884c\u8cb8\u6b3e<\/p>\n\n\n\n

\ud83d\udccc \u7372\u53d6\u8cb8\u6b3e\u9810\u5148\u6279\u6838 (Pre-approval)<\/strong>
\ud83d\udca1 \u9810\u5148\u6279\u6838\u53ef\u6301\u7e8c 3-6 \u500b\u6708<\/strong>\uff0c\u53ef\u4ee5\u8b93\u4f60\u77e5\u9053\u81ea\u5df1\u5605\u9810\u7b97\u7bc4\u570d\uff0c\u63d0\u9ad8\u8cb7\u6a13\u6642\u5605\u8b70\u50f9\u80fd\u529b<\/p>\n\n\n\n

\n\n\n\n

\ud83d\udccc 4. \u6435\u6a13\u653b\u7565\uff1a\u8cb7\u5230\u4f60\u5fc3\u76ee\u4e2d\u5605Dream House<\/strong><\/h2>\n\n\n\n

\u8cb7\u6a13\u5514\u55ae\u6b62\u8981\u7747\u50f9\u9322\uff0c\u5730\u9ede\u3001\u4ea4\u901a\u3001\u793e\u5340\u74b0\u5883\u7b49\u56e0\u7d20\u540c\u6a23\u91cd\u8981\uff01<\/p>\n\n\n\n

\ud83d\udd0e \u7f6e\u696d\u524d\u61c9\u8a72\u8003\u616e\u54a9\uff1f<\/strong><\/h3>\n\n\n\n

\ud83d\udccd \u5730\u9ede\u9078\u64c7<\/strong>\uff1a\u9130\u8fd1\u4ea4\u901a\u7ad9\uff1f\u5b78\u6821\uff1f\u5546\u5834\uff1f
\ud83c\udfe1 \u8cb7\u6a13\u76ee\u7684<\/strong>\uff1a\u81ea\u4f4f\u5b9a\u6295\u8cc7\uff1f\u672a\u4f86\u6703\u5514\u6703\u64f4\u5c55\u5bb6\u5ead\uff1f
\ud83d\udccc \u300c\u5fc5\u8981\u300d vs \u300c\u53ef\u6709\u53ef\u7121\u300d<\/strong>\uff1a\u5c4b\u578b\u3001\u9593\u9694\u3001\u666f\u89c0\u3001\u505c\u8eca\u5834\u3001\u82b1\u5712<\/p>\n\n\n\n

\ud83d\udc40 \u7747\u6a13\u8cbc\u58eb<\/strong><\/h3>\n\n\n\n

\u2705 \u53bb Open House \/ \u5be6\u5730\u8003\u5bdf<\/strong>
\u2705 \u5411\u5730\u7522\u7d93\u7d00\u67e5\u8a62\u5e02\u5834\u884c\u60c5<\/strong>
\u2705 \u7559\u610f\u8857\u5340\u74b0\u5883\u3001\u672a\u4f86\u767c\u5c55\u6f5b\u529b<\/strong><\/p>\n\n\n\n

\ud83d\udca1 \u623f\u5730\u7522\u7db2\u7ad9\u63a8\u4ecb<\/strong> \ud83d\udc49 Domain<\/a> | Realestate.com.au<\/a><\/p>\n\n\n\n

\n\n\n\n

\ud83d\udccc 5. \u8b70\u50f9\u8207\u6210\u4ea4\uff0c\u6210\u529f\u8cfc\u5165\u7269\u696d<\/strong><\/h2>\n\n\n\n

\u6435\u5230\u5fc3\u6c34\u7269\u696d\u5f8c\uff0c\u5c31\u8981\u9032\u5165 \u8b70\u50f9\u8207\u8cb7\u6a13\u7a0b\u5e8f<\/strong>\uff01<\/p>\n\n\n\n

\ud83c\udfe1 \u79c1\u4e0b\u8cb7\u8ce3 vs \u62cd\u8ce3 (Auction)<\/strong><\/h3>\n\n\n\n

\ud83d\udccc \u79c1\u4e0b\u8cb7\u8ce3<\/strong> \u2192 \u6709\u51b7\u975c\u671f\uff0c\u53ef\u4ee5\u5b89\u6392\u9a57\u6a13\uff0c\u8f03\u5f48\u6027
\ud83d\udccc \u62cd\u8ce3<\/strong> \u2192 \u6210\u4ea4\u5373\u6642\u751f\u6548\uff0c\u5187\u51b7\u975c\u671f<\/p>\n\n\n\n

\ud83d\udca1 \u5982\u4f55\u907f\u514d\u8cb7\u6a13\u4e2d\u4f0f\uff1f<\/strong><\/h3>\n\n\n\n

\u2705 \u67e5\u770b\u5408\u7d04 (Contract of Sale)<\/strong>\uff1a\u8acb\u5f8b\u5e2b\u6216\u904e\u6236\u5e2b (Conveyancer) \u6aa2\u67e5\u5408\u7d04
\u2705 \u5b89\u6392\u9a57\u6a13 (Building Inspection) \u548c\u9a57\u767d\u87fb (Pest Inspection)<\/strong>\uff0c\u78ba\u4fdd\u7269\u696d\u72c0\u6cc1\u826f\u597d
\u2705 \u8a0e\u50f9\u9084\u50f9<\/strong>\uff1a\u5514\u597d\u6025\u4f4f\u63a5\u53d7\u7b2c\u4e00\u500b\u958b\u50f9\uff0c\u8a18\u5f97\u9084\u50f9\uff01<\/p>\n\n\n\n

\n\n\n\n

\ud83d\udccc 6. \u4ea4\u5272\u8207\u6b63\u5f0f\u5165\u4f19\uff01<\/strong><\/h2>\n\n\n\n

\ud83c\udf89 \u606d\u559c\uff01\u4f60\u5df2\u6210\u529f\u7f6e\u696d\uff01<\/strong> \ud83c\udf89<\/p>\n\n\n\n

\ud83d\udcb0 \u4ea4\u5272 (Settlement) \u662f\u751a\u9ebc\uff1f<\/strong>
\ud83c\udfe1 \u4ea4\u5272\u65e5<\/strong> \uff1d \u6b63\u5f0f\u6210\u70ba\u696d\u4e3b<\/strong>
\ud83d\udccc \u4f60\u7684\u5f8b\u5e2b\u6216\u904e\u6236\u5e2b\u6703<\/strong>\uff1a
\u2705 \u8f49\u79fb\u7269\u696d\u696d\u6b0a\u81f3\u4f60\u540d\u4e0b
\u2705 \u78ba\u4fdd\u6309\u63ed\u8cb8\u6b3e\u5b8c\u6210\u6279\u6838
\u2705 \u7c3d\u7f72\u76f8\u95dc\u6587\u4ef6<\/p>\n\n\n\n

\ud83d\udca1 \u6700\u5f8c\u8cbb\u7528\u6e05\u55ae<\/strong>
\u2705 \u5370\u82b1\u7a05 (Stamp Duty)<\/strong>\uff1a\u5404\u5dde\u8cbb\u7528\u4e0d\u540c\uff0c\u53ef\u9ad8\u9054\u6578\u842c\u6fb3\u5143\uff08\u9996\u6b21\u7f6e\u696d\u53ef\u80fd\u53ef\u8c41\u514d<\/strong>\uff09
\u2705 \u5f8b\u5e2b\u6216\u904e\u6236\u8cbb (Conveyancing Fees)<\/strong>\uff1a\u5927\u7d04 $800 – $2,500<\/strong>
\u2705 \u623f\u5c4b\u4fdd\u96aa (Home & Contents Insurance)<\/strong>\uff1a\u9280\u884c\u53ef\u80fd\u8981\u6c42\u4f60\u8cfc\u8cb7\u4fdd\u96aa<\/p>\n\n\n\n

\ud83d\udd0e \u67e5\u8a62\u5370\u82b1\u7a05\u6e1b\u514d<\/strong> \ud83d\udc49 [\u5404\u5dde\u653f\u5e9c\u5370\u82b1\u7a05\u8a08\u7b97\u6a5f]<\/p>\n\n\n\n

\ud83d\udccc \u6ce8\u610f\u8cb8\u6b3e\u4f9b\u6b3e\u8a08\u5283<\/strong>\uff1a\u8cb7\u6a13\u5f8c\uff0c\u8a18\u4f4f\u8981 \u5b9a\u6642\u9084\u6b3e<\/strong>\uff0c\u53ef\u4ee5\u8003\u616e \u591a\u4ed8\u672c\u91d1<\/strong> \u6e1b\u5c11\u5229\u606f\u652f\u51fa<\/p>\n\n\n\n

\n\n\n\n

\ud83c\udf89 \u6fb3\u6d32\u4e0a\u8eca\u516d\u90e8\u66f2\u7e3d\u7d50<\/strong><\/h2>\n\n\n\n

1\ufe0f\u20e3 \u5132\u5920\u9996\u671f\uff0c\u6e96\u5099\u597d\u8ca1\u52d9
2\ufe0f\u20e3 \u8a08\u7b97\u8cb8\u6b3e\u80fd\u529b\uff0c\u638c\u63e1\u9810\u7b97
3\ufe0f\u20e3 \u6435\u5230\u6700\u512a\u60e0\u6309\u63ed\u5229\u7387\uff0c\u7bc0\u7701\u4f9b\u6a13\u6210\u672c
4\ufe0f\u20e3 \u7cbe\u9078\u5fc3\u6c34\u7269\u696d\uff0c\u505a\u597d\u7747\u6a13\u529f\u8ab2
5\ufe0f\u20e3 \u6210\u529f\u8b70\u50f9\u8cb7\u6a13\uff0c\u78ba\u4fdd\u5408\u540c\u689d\u6b3e\u5408\u7406
6\ufe0f\u20e3 \u4ea4\u5272\u5b8c\u6210\uff0c\u6b63\u5f0f\u6210\u70ba\u6fb3\u6d32\u696d\u4e3b\uff01<\/p>\n\n\n\n

\ud83d\udcac \u60f3\u4e86\u89e3\u66f4\u591a\u6fb3\u6d32\u8cb7\u6a13\u8cc7\u8a0a\uff1f\u96a8\u6642\u806f\u7d61\u6211\u5011\uff0c\u6211\u54cb\u53ef\u4ee5\u70ba\u4f60\u63d0\u4f9b\u66f4\u8a73\u76e1\u5605\u4e0a\u8eca\u653b\u7565\uff01<\/strong> \ud83c\udfe1\ud83d\ude80<\/p>\n","protected":false},"excerpt":{"rendered":"

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