{"id":2714,"date":"2025-02-04T13:05:40","date_gmt":"2025-02-04T03:05:40","guid":{"rendered":"https:\/\/anp-au.com\/?p=2714"},"modified":"2025-02-04T13:05:43","modified_gmt":"2025-02-04T03:05:43","slug":"%e5%a6%82%e4%bd%95%e5%9c%a8%e6%be%b3%e6%b4%b2%e8%b2%b7%e6%88%bf%ef%bc%9a12-%e5%80%8b%e6%ad%a5%e9%a9%9f%e5%8a%a9%e4%bd%a0%e6%88%90%e5%8a%9f%e7%bd%ae%e6%a5%ad","status":"publish","type":"post","link":"https:\/\/anp-au.com\/en\/%e5%a6%82%e4%bd%95%e5%9c%a8%e6%be%b3%e6%b4%b2%e8%b2%b7%e6%88%bf%ef%bc%9a12-%e5%80%8b%e6%ad%a5%e9%a9%9f%e5%8a%a9%e4%bd%a0%e6%88%90%e5%8a%9f%e7%bd%ae%e6%a5%ad\/","title":{"rendered":"How to buy a house in Australia: 12 steps to success"},"content":{"rendered":"\n<p>\u5728\u6fb3\u6d32\u8cfc\u8cb7\u623f\u7522\u662f\u4e00\u500b\u91cd\u8981\u7684\u8ca1\u52d9\u6c7a\u5b9a\uff0c\u904e\u7a0b\u6d89\u53ca <strong>\u8ca1\u52d9\u6e96\u5099\u3001\u8cb8\u6b3e\u7533\u8acb\u3001\u623f\u5c4b\u6311\u9078\u3001\u5408\u7d04\u7c3d\u7f72\u3001\u4ea4\u5272\u8207\u642c\u5165<\/strong> \u7b49\u4e00\u7cfb\u5217\u6b65\u9a5f\u3002\u96d6\u7136\u8cb7\u623f\u53ef\u80fd\u611f\u89ba\u58d3\u529b\u5de8\u5927\uff0c\u4f46\u5982\u679c\u6309\u7167\u6e05\u6670\u7684\u8a08\u5283\u9010\u6b65\u9032\u884c\uff0c\u5c31\u80fd\u5920\u8b93\u6574\u500b\u904e\u7a0b\u8b8a\u5f97\u66f4\u9806\u5229\u4e14\u66f4\u6709\u4fe1\u5fc3\u3002<\/p>\n\n\n\n<p>\u7121\u8ad6\u4f60\u662f <strong>\u9996\u6b21\u7f6e\u696d\u8005<\/strong>\uff0c\u9084\u662f\u5e0c\u671b\u6295\u8cc7\u6fb3\u6d32\u623f\u5730\u7522\uff0c\u9019\u7bc7 <strong>\u6fb3\u6d32\u8cb7\u623f 12 \u6b65\u9a5f\u6307\u5357<\/strong> \u5c07\u5e6b\u52a9\u4f60\u4e86\u89e3\u6574\u500b\u8cfc\u623f\u6d41\u7a0b\uff0c\u78ba\u4fdd\u6bcf\u500b\u6b65\u9a5f\u90fd\u505a\u5230\u842c\u7121\u4e00\u5931\uff01<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ud83d\udccc 1. \u6c7a\u5b9a\u662f\u5426\u8cfc\u623f<\/strong><\/h2>\n\n\n\n<p>\u8cfc\u623f\u662f\u4e00\u9805 <strong>\u9577\u671f\u8ca1\u52d9\u627f\u8afe<\/strong>\uff0c\u5728\u6fb3\u6d32\uff0c<strong>\u623f\u5c4b\u8cb8\u6b3e (Home Loan) \u4e00\u822c\u70ba 20 \u81f3 30 \u5e74<\/strong>\u3002<\/p>\n\n\n\n<p>\u5728\u6c7a\u5b9a\u8cb7\u623f\u524d\uff0c\u4f60\u9700\u8981\u8003\u616e\uff1a<br>\u2714 <strong>\u4f60\u7684\u8ca1\u52d9\u72c0\u6cc1\u662f\u5426\u7a69\u5b9a\uff1f<\/strong> \u2013 \u4f60\u662f\u5426\u6709\u7a69\u5b9a\u7684\u6536\u5165\u4f86\u652f\u4ed8\u623f\u8cb8\uff1f<br>\u2714 <strong>\u4f60\u7684\u751f\u6d3b\u898f\u5283\uff1f<\/strong> \u2013 \u4f8b\u5982\uff0c\u4f60\u662f\u5426\u8a08\u5283\u7d44\u5efa\u5bb6\u5ead\uff1f\u9019\u6703\u5f71\u97ff\u4f60\u672a\u4f86\u7684\u652f\u51fa\u80fd\u529b\u3002<br>\u2714 <strong>\u4f60\u7684\u751f\u6d3b\u65b9\u5f0f\uff1f<\/strong> \u2013 \u4f60\u662f\u5426\u9858\u610f\u63a5\u53d7\u8f03\u9ad8\u7684\u6309\u63ed\u4f9b\u6b3e\uff0c\u800c\u653e\u68c4\u76ee\u524d\u8f03\u4f4e\u7684\u79df\u91d1\uff1f<\/p>\n\n\n\n<p>\ud83d\udca1 <strong>\u8cbc\u58eb<\/strong>\uff1a\u96d6\u7136\u8cfc\u623f\u53ef\u4ee5\u70ba\u4f60\u5e36\u4f86\u9577\u671f\u7684\u8ca1\u5bcc\u589e\u503c\uff0c\u4f46\u4e5f\u610f\u5473\u8457\u77ed\u671f\u5167\u7684\u8ca1\u52d9\u58d3\u529b\uff0c\u56e0\u6b64\u8acb\u4ed4\u7d30\u6b0a\u8861\u5229\u5f0a\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ud83d\udccc 2. \u6574\u7406\u4f60\u7684\u8ca1\u52d9\u72c0\u6cc1<\/strong><\/h2>\n\n\n\n<p>\u5728\u7533\u8acb\u623f\u8cb8\u524d\uff0c\u4f60\u9700\u8981\u8a55\u4f30\u81ea\u5df1\u7684\u8ca1\u52d9\u80fd\u529b\uff0c\u78ba\u4fdd\u80fd\u5920\u8ca0\u64d4\u672a\u4f86 20-30 \u5e74\u7684\u9084\u6b3e\u3002<\/p>\n\n\n\n<p>\ud83d\udccc <strong>\u8ca1\u52d9\u6e96\u5099\u6aa2\u67e5\u6e05\u55ae<\/strong>\uff1a<br>\u2714 <strong>\u5b58\u6b3e<\/strong> \u2013 \u901a\u5e38\u6fb3\u6d32\u7684\u8cb8\u6b3e\u6a5f\u69cb\u8981\u6c42 <strong>20% \u6a13\u50f9\u4f5c\u70ba\u9996\u671f<\/strong>\uff08\u4f46\u6709\u6642\u53ef\u4ee5\u4f4e\u81f3 5%\uff09<br>\u2714 <strong>\u7a69\u5b9a\u6536\u5165<\/strong> \u2013 \u4f60\u7684\u4e3b\u8981\u6536\u5165\u4f86\u6e90\uff0c\u4f8b\u5982\u5de5\u4f5c\u85aa\u8cc7\u6216\u5176\u4ed6\u56fa\u5b9a\u6536\u5165<br>\u2714 <strong>\u73fe\u6709\u8ca0\u50b5<\/strong> \u2013 \u4f8b\u5982\u4fe1\u7528\u5361\u8cb8\u6b3e\u3001\u8eca\u8cb8\u3001\u5b78\u751f\u8cb8\u6b3e\u7b49<br>\u2714 <strong>\u6bcf\u6708\u958b\u652f<\/strong> \u2013 \u8a18\u9304\u6240\u6709\u56fa\u5b9a\u652f\u51fa\uff0c\u4f8b\u5982\u6c34\u96fb\u7164\u3001\u4fdd\u96aa\u3001\u4ea4\u901a\u8cbb\u3001\u751f\u6d3b\u8cbb\u7b49<br>\u2714 <strong>\u5132\u5099\u8cc7\u91d1<\/strong> \u2013 \u61c9\u6025\u57fa\u91d1\u4ee5\u61c9\u5c0d\u7a81\u767c\u60c5\u6cc1\uff0c\u4f8b\u5982\u5931\u696d\u6216\u91ab\u7642\u958b\u652f<\/p>\n\n\n\n<p>\ud83d\udca1 <strong>\u8cbc\u58eb<\/strong>\uff1a\u4f7f\u7528 <strong>[\u9810\u7b97\u898f\u5283\u5de5\u5177 (Budget Planner)]<\/strong> \u4f86\u8a08\u7b97\u4f60\u53ef\u8ca0\u64d4\u7684\u9084\u6b3e\u91d1\u984d\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ud83d\udccc 3. \u78ba\u5b9a\u4f60\u7684\u501f\u8cb8\u80fd\u529b<\/strong><\/h2>\n\n\n\n<p>\u5728\u7533\u8acb\u623f\u8cb8\u524d\uff0c\u4f60\u9700\u8981\u77e5\u9053\u81ea\u5df1\u80fd\u5920\u501f\u5230\u591a\u5c11\u9322\u3002\u4e0d\u540c\u7684\u8cb8\u6b3e\u6a5f\u69cb\u63d0\u4f9b\u7684\u8cb8\u6b3e\u984d\u5ea6\u6703\u6709\u6240\u4e0d\u540c\uff0c\u4f60\u53ef\u4ee5\u4f7f\u7528 <strong>\u8cb8\u6b3e\u8a08\u7b97\u6a5f (Mortgage Calculator)<\/strong> \u4f86\u7372\u53d6\u4e00\u500b\u5927\u81f4\u7684\u501f\u8cb8\u7bc4\u570d\u3002<\/p>\n\n\n\n<p>\u8cb8\u6b3e\u6a5f\u69cb\u6703\u8003\u616e\u4ee5\u4e0b\u56e0\u7d20\u4f86\u8a55\u4f30\u4f60\u7684\u8cb8\u6b3e\u80fd\u529b\uff1a<br>\u2714 <strong>\u4fe1\u7528\u8a55\u5206 (Credit Score)<\/strong><br>\u2714 <strong>\u8ca0\u50b5\u6bd4\u7387 (Debt-to-Income Ratio)<\/strong><br>\u2714 <strong>\u6536\u5165\u7a69\u5b9a\u6027<\/strong><br>\u2714 <strong>\u8cb8\u6b3e\u671f\u9650\u8207\u9084\u6b3e\u65b9\u5f0f<\/strong><\/p>\n\n\n\n<p>\ud83d\udccc <strong>\u5efa\u8b70<\/strong>\uff1a\u8207<strong>\u6309\u63ed\u7d93\u7d00 (Mortgage Broker) \u6216\u8ca1\u52d9\u9867\u554f<\/strong>\u8a0e\u8ad6\uff0c\u5e6b\u52a9\u4f60\u78ba\u5b9a\u5408\u9069\u7684\u8cb8\u6b3e\u984d\u5ea6\u8207\u689d\u6b3e\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ud83d\udccc 4. \u5b58\u9996\u671f\u4e26\u5c0b\u627e\u653f\u5e9c\u88dc\u52a9<\/strong><\/h2>\n\n\n\n<p>\u4e00\u822c\u4f86\u8aaa\uff0c\u6fb3\u6d32\u8cb8\u6b3e\u6a5f\u69cb\u8981\u6c42 <strong>\u81f3\u5c11 20% \u7684\u6a13\u50f9\u4f5c\u70ba\u9996\u671f<\/strong>\uff0c\u4f46\u5982\u679c\u4f60\u7684\u9996\u671f\u4f4e\u65bc 20%\uff0c\u5247\u9700\u8981\u652f\u4ed8 <strong>\u8cb8\u6b3e\u4fdd\u96aa (Lenders Mortgage Insurance, LMI)<\/strong>\u3002<\/p>\n\n\n\n<p>\ud83d\udca1 <strong>\u5982\u4f55\u6e1b\u8f15\u9996\u671f\u8ca0\u64d4\uff1f<\/strong><br>\u2714 <strong>\u9996\u6b21\u7f6e\u696d\u8005\u88dc\u52a9 (First Home Owner Grant, FHOG)<\/strong> \u2013 \u5404\u5dde\u653f\u5e9c\u63d0\u4f9b\u4e0d\u540c\u7684\u88dc\u52a9\u8a08\u5283<br>\u2714 <strong>\u5bb6\u4eba\u64d4\u4fdd (Guarantor Loan)<\/strong> \u2013 \u7531\u5bb6\u4eba\u63d0\u4f9b\u64d4\u4fdd\u4ee5\u6e1b\u5c11\u9996\u671f\u8981\u6c42<br>\u2714 <strong>\u5b58\u6b3e\u8a08\u5283<\/strong> \u2013 \u8a2d\u5b9a\u81ea\u52d5\u5132\u84c4\u8a08\u5283\uff0c\u5e6b\u52a9\u4f60\u66f4\u5feb\u5132\u5b58\u9996\u671f<\/p>\n\n\n\n<p>\ud83d\udccc <strong>\u5efa\u8b70<\/strong>\uff1a\u67e5\u8a62\u4f60\u6240\u5728\u5dde\u7684 <strong><a href=\"https:\/\/www.firsthome.gov.au\/\" target=\"_blank\" rel=\"noopener\">\u9996\u6b21\u7f6e\u696d\u8005\u88dc\u52a9\u8a08\u5283<\/a><\/strong>\uff0c\u770b\u770b\u4f60\u662f\u5426\u7b26\u5408\u689d\u4ef6\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ud83d\udccc 5. \u9078\u64c7\u5408\u9069\u7684\u623f\u8cb8<\/strong><\/h2>\n\n\n\n<p>\u8cb8\u6b3e\u7a2e\u985e\u7e41\u591a\uff0c\u9078\u64c7\u9069\u5408\u81ea\u5df1\u7684\u8cb8\u6b3e\u65b9\u6848\u81f3\u95dc\u91cd\u8981\u3002<\/p>\n\n\n\n<p>\ud83d\udccc <strong>\u6bd4\u8f03\u8cb8\u6b3e\u6642\u9700\u8003\u616e\u7684\u56e0\u7d20<\/strong>\uff1a<br>\u2714 <strong>\u5229\u7387 (Interest Rate)<\/strong> \u2013 \u4f4e\u5229\u7387\u80fd\u5e6b\u52a9\u4f60\u7bc0\u7701\u5927\u91cf\u5229\u606f\u652f\u51fa<br>\u2714 <strong>\u9084\u6b3e\u65b9\u5f0f<\/strong> \u2013 \u56fa\u5b9a\u5229\u7387 vs. \u6d6e\u52d5\u5229\u7387<br>\u2714 <strong>\u984d\u5916\u529f\u80fd<\/strong> \u2013 \u5982 <strong>Redraw<\/strong> \u6216 <strong>Offset \u5e33\u6236<\/strong> \u53ef\u964d\u4f4e\u8cb8\u6b3e\u5229\u606f<\/p>\n\n\n\n<p>\ud83d\udca1 <strong>\u8cbc\u58eb<\/strong>\uff1a\u8207 <strong>\u6309\u63ed\u7d93\u7d00 (Mortgage Broker)<\/strong> \u806f\u7d61\uff0c\u4ed6\u5011\u53ef\u4ee5\u5e6b\u52a9\u4f60\u6bd4\u8f03\u4e0d\u540c\u8cb8\u6b3e\u65b9\u6848\uff0c\u627e\u5230\u6700\u512a\u60e0\u7684\u9078\u64c7\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ud83d\udccc 6. \u7533\u8acb\u8cb8\u6b3e\u9810\u5148\u6279\u6838 (Pre-Approval)<\/strong><\/h2>\n\n\n\n<p><strong>\u9810\u5148\u6279\u6838<\/strong> \u662f\u9280\u884c\u521d\u6b65\u6279\u51c6\u4f60\u7684\u8cb8\u6b3e\u7533\u8acb\uff0c\u901a\u5e38\u6709\u6548\u671f\u70ba <strong>3-6 \u500b\u6708<\/strong>\u3002<\/p>\n\n\n\n<p>\ud83d\udca1 <strong>\u9810\u5148\u6279\u6838\u7684\u597d\u8655<\/strong>\uff1a<br>\u2714 <strong>\u78ba\u8a8d\u4f60\u7684\u8cfc\u8cb7\u9810\u7b97<\/strong>\uff0c\u8b93\u4f60\u66f4\u6709\u4fe1\u5fc3\u51fa\u50f9<br>\u2714 <strong>\u63d0\u9ad8\u7af6\u722d\u529b<\/strong>\uff0c\u8b93\u8ce3\u65b9\u77e5\u9053\u4f60\u662f\u8a8d\u771f\u7684\u8cb7\u5bb6<br>\u2714 <strong>\u907f\u514d\u7121\u8b02\u770b\u623f<\/strong>\uff0c\u5c08\u6ce8\u65bc\u7b26\u5408\u4f60\u9810\u7b97\u7684\u623f\u7522<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ud83d\udccc 7. \u958b\u59cb\u5c0b\u627e\u5408\u9069\u7684\u623f\u7522<\/strong><\/h2>\n\n\n\n<p>\u6709\u4e86\u9810\u5148\u6279\u6838\uff0c\u4f60\u53ef\u4ee5\u958b\u59cb\u7269\u8272\u5408\u9069\u7684\u623f\u7522\u3002<\/p>\n\n\n\n<p>\ud83d\udccc <strong>\u5c0b\u627e\u623f\u7522\u6642\u61c9\u8003\u616e\u7684\u56e0\u7d20<\/strong>\uff1a<br>\u2714 <strong>\u5730\u9ede (Location)<\/strong> \u2013 \u4ea4\u901a\u3001\u5b78\u6821\u3001\u5546\u5e97\u3001\u5de5\u4f5c\u6a5f\u6703<br>\u2714 <strong>\u623f\u5c4b\u985e\u578b (House Type)<\/strong> \u2013 \u516c\u5bd3\u3001\u7368\u7acb\u5c4b\u3001\u806f\u6392\u5225\u5885<br>\u2714 <strong>\u623f\u5c4b\u72c0\u6cc1 (Condition)<\/strong> \u2013 \u662f\u5426\u9700\u8981\u7ffb\u65b0\uff1f<\/p>\n\n\n\n<p>\ud83d\udca1 <strong>\u5efa\u8b70<\/strong>\uff1a\u4f7f\u7528 <strong><a href=\"https:\/\/www.domain.com.au\/\" target=\"_blank\" rel=\"noopener\">Domain<\/a><\/strong> \u6216 <strong><a href=\"https:\/\/www.realestate.com.au\/\" target=\"_blank\" rel=\"noopener\">Realestate.com.au<\/a><\/strong> \u4f86\u641c\u5c0b\u623f\u6e90\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ud83d\udccc 8. \u5b89\u6392\u623f\u5c4b\u8207\u87f2\u5bb3\u6aa2\u67e5<\/strong><\/h2>\n\n\n\n<p>\u5728\u51fa\u50f9\u524d\uff0c\u8acb\u78ba\u4fdd\u7269\u696d\u72c0\u6cc1\u826f\u597d\uff0c\u907f\u514d\u672a\u4f86\u767c\u751f\u6602\u8cb4\u7684\u7dad\u4fee\u8cbb\u7528\u3002<\/p>\n\n\n\n<p>\ud83d\udccc <strong>\u6aa2\u67e5\u9805\u76ee<\/strong>\uff1a<br>\u2714 <strong>\u7d50\u69cb\u554f\u984c<\/strong> \u2013 \u7246\u58c1\u88c2\u7e2b\u3001\u5c4b\u9802\u640d\u58de\u7b49<br>\u2714 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