<p>我对政府参与住房市场持非常批评的态度，但这并不意味着你不应该检查一下自己是否有资格获得一些帮助。</p>
<p>你可能没有听说过的最新项目被称为 “帮助购买”，它的运作方式是政府直接在你购买的房产中占有高达 40% 的股份。</p>
<p>你仍然需要符合标准住房贷款的资格，以覆盖剩余的价值，但由于政府占有了初始购买价格的相当大一部分，因此该抵押贷款将显著减少。</p>
<p>对于新房，政府将贡献高达 40% 的总价值，而对于现有房屋则贡献高达 30% 的总价值，政府的股份将随着时间的推移而受到资本收益和损失的影响。</p>
<p><strong>无需支付租金</strong></p>
<p>根据该计划，房主无需支付政府所占房屋股份的任何租金或利息，并且可以在一段时间内偿还政府的股份。</p>
<p>如果政府的股份未偿还，则在房产出售时需要结清。</p>
<p>房主可以通过随时自愿偿还来回购政府拥有的部分，或者在有财务能力时偿还政府的股权，或者等到房产出售时再偿还。</p>
<p>可以理解的是，关于谁可以符合这一新共享股权模型有一些规则，第一条条件是该房产必须是他们的首次购房，并且是他们的主要居住地。</p>
<p>该计划旨在帮助那些已经储蓄但仍无法在所需地点购买合适住房的低收入和中等收入者。</p>
<p><strong>注意上限</strong></p>
<p>个人的应税收入上限为 100,000 澳元，单亲家庭为 160,000 澳元，夫妻则确保富裕人士无法获得该计划，该计划通过联邦银行和澳大利亚银行提供。</p>
<p>该计划于 12 月 5 日开始，申请可以通过相关银行进行，购买时甚至可以只需 2% 的低存款。</p>
<p>申请者需要是澳大利亚公民，年满 18 岁，并且至少储蓄了最低 2% 的存款，符合剩余贷款的资格，并能够承担前期和持续的物业费用。</p>
<p><strong>持续资格</strong></p>
<p>还需要持续的承诺，因为一旦你使用该计划购买了房屋，你需要继续满足某些资格标准。</p>
<p>这些标准包括维护房屋，保持保险，并参与收入更新和个人情况重大变化的信息审查。</p>
<p>如果买家的收入在连续两年内超过了上限，他们可能需要偿还政府的贡献——部分或全部——具体取决于当时的政策设置。</p>
<p><strong>价格上限</strong></p>
<p>根据你计划在澳大利亚购买的地点，也有一些相当严格的房产价格上限。</p>
<p>墨尔本的房屋上限为 950,000 澳元，布里斯班为 100 万澳元，悉尼为 130 万澳元，地区如吉朗也受到上限的限制。</p>
<p>西澳大利亚和塔斯马尼亚尚未通过立法，以便当地居民能够参与该计划。</p>
<p>这些上限旨在确保购买价格保持在首次购房者的借款能力范围内，尽管这些上限将相当严格，低于中位数价格，并且在上限以下待售的房产数量较少。</p>
<p>该计划，像我在这里提到的住房担保计划一样，可能会帮助抬高上限内房屋的价格。</p>
<p><strong>先到先得</strong></p>
<p>如果你符合条件，尽早申请可能也是个好主意，因为资格也受到地点的限制，每年全国分配 10,000 个名额，分配到特定地区。</p>
<p>对于一些人来说，该计划将使他们能够比原本更早购买房产，充当借款能力与房产价值之间的桥梁。</p>
<p>它还提供了相当大的灵活性，关于房主何时通过偿还政府所有权部分来增加他们的股权。</p>
<p>虽然如果你能符合条件，该计划可能会很好，但它仍然没有真正解决供需之间的根本失衡，这大大恶化了潜在首次购房者的房产可负担性。</p>

LADR

AOMR

<p>“帮助购房” 计划允许政府在新房中持有最高 40% 的股份，在二手房中持有最高 30% 的股份，从而减少按揭贷款金额。该计划旨在帮助首次购房者，并设定了收入上限，提供灵活的方式来偿还政府的股份。该计划旨在帮助低收入和中等收入者，但并未解决住房供需失衡的问题</p>

<p>I have been very critical of government involvement in the housing market but that doesn’t mean you shouldn’t check to see if you might be eligible for some help.</p>
<div class="lb-trans"><p>我对政府参与住房市场持非常批评的态度，但这并不意味着你不应该检查一下自己是否有资格获得一些帮助。</p>
</div><p>The latest program you may not have heard about is known as &#34;help to buy&#34;, and it works by the government directly taking a stake of up to 40% in the property you buy.</p>
<div class="lb-trans"><p>你可能没有听说过的最新项目被称为 “帮助购买”，它的运作方式是政府直接在你购买的房产中占有高达 40% 的股份。</p>
</div><p>You still need to qualify for a standard home loan to cover the remaining value but because the government have a such a substantial chunk of the initial purchase price, that mortgage will be significantly smaller.</p>
<div class="lb-trans"><p>你仍然需要符合标准住房贷款的资格，以覆盖剩余的价值，但由于政府占有了初始购买价格的相当大一部分，因此该抵押贷款将显著减少。</p>
</div><p>For a new home, the government will contribute up to 40% of the total value and up to 30% of the total value for an existing house and its slice will be subject to capital gains and losses over time.</p>
<div class="lb-trans"><p>对于新房，政府将贡献高达 40% 的总价值，而对于现有房屋则贡献高达 30% 的总价值，政府的股份将随着时间的推移而受到资本收益和损失的影响。</p>
</div><p><strong>No Rent to Pay</strong></p>
<div class="lb-trans"><p><strong>无需支付租金</strong></p>
</div><p>Under the scheme homeowners don't pay any rent or interest on the government's share of the home and you can pay back the government’s share over time.</p>
<div class="lb-trans"><p>根据该计划，房主无需支付政府所占房屋股份的任何租金或利息，并且可以在一段时间内偿还政府的股份。</p>
</div><p>If the government share remains unpaid it needs to be settled when the property is sold.</p>
<div class="lb-trans"><p>如果政府的股份未偿还，则在房产出售时需要结清。</p>
</div><p>Home owners can buy back the government owned part of their property by making voluntary repayments at any time, paying back the government’s equity when they have the financial capacity or by waiting until the property is sold.</p>
<div class="lb-trans"><p>房主可以通过随时自愿偿还来回购政府拥有的部分，或者在有财务能力时偿还政府的股权，或者等到房产出售时再偿还。</p>
</div><p>Understandably, there are some rules around who can qualify for this new shared equity model with the first condition being that the property must be their first home purchase and be their principal place of residence.</p>
<div class="lb-trans"><p>可以理解的是，关于谁可以符合这一新共享股权模型有一些规则，第一条条件是该房产必须是他们的首次购房，并且是他们的主要居住地。</p>
</div><p>The program is designed for low- and middle-income earners who have saved up but are still unable to buy a suitable home where they need it.</p>
<div class="lb-trans"><p>该计划旨在帮助那些已经储蓄但仍无法在所需地点购买合适住房的低收入和中等收入者。</p>
</div><p><strong>Beware the Caps</strong></p>
<div class="lb-trans"><p><strong>注意上限</strong></p>
</div><p>Taxable income caps of $100,000 for individuals and $160,000 for single parents and for couples ensure that wealthy people don’t get access to the scheme, which is being offered through Commonwealth Bank and Bank Australia.</p>
<div class="lb-trans"><p>个人的应税收入上限为 100,000 澳元，单亲家庭为 160,000 澳元，夫妻则确保富裕人士无法获得该计划，该计划通过联邦银行和澳大利亚银行提供。</p>
</div><p>The scheme only started on December 5 and applications can be made through the relevant banks with purchases even able to be made with a deposit as low as 2%.</p>
<div class="lb-trans"><p>该计划于 12 月 5 日开始，申请可以通过相关银行进行，购买时甚至可以只需 2% 的低存款。</p>
</div><p>Applicants need to be Australian citizens and aged 18 or over and to have saved at least the minimum 2% deposit and qualify for the remaining loan and be able to meet upfront and ongoing property costs.</p>
<div class="lb-trans"><p>申请者需要是澳大利亚公民，年满 18 岁，并且至少储蓄了最低 2% 的存款，符合剩余贷款的资格，并能够承担前期和持续的物业费用。</p>
</div><p><strong>Eligibility Ongoing</strong></p>
<div class="lb-trans"><p><strong>持续资格</strong></p>
</div><p>An ongoing commitment is also required because once you have purchased a home using the scheme, you need to continue meeting certain eligibility criteria.</p>
<div class="lb-trans"><p>还需要持续的承诺，因为一旦你使用该计划购买了房屋，你需要继续满足某些资格标准。</p>
</div><p>These include maintaining the home, keeping it insured and participating in reviews for things like updated income details and information about key changes to personal circumstances.</p>
<div class="lb-trans"><p>这些标准包括维护房屋，保持保险，并参与收入更新和个人情况重大变化的信息审查。</p>
</div><p>If a buyer’s income rises above the threshold for two consecutive years, they may be required to repay the government’s contribution – either partly or in full – depending on the policy settings at that time.</p>
<div class="lb-trans"><p>如果买家的收入在连续两年内超过了上限，他们可能需要偿还政府的贡献——部分或全部——具体取决于当时的政策设置。</p>
</div><p><strong>Caps on Prices as Well</strong></p>
<div class="lb-trans"><p><strong>价格上限</strong></p>
</div><p>There are also some fairly tight property price caps that apply, depending on where you plan to buy within Australia.</p>
<div class="lb-trans"><p>根据你计划在澳大利亚购买的地点，也有一些相当严格的房产价格上限。</p>
</div><p>Melbourne homes are capped at $950,000, Brisbane at $1 million, and Sydney at $1.3m, with regional areas such as Geelong also covered by the caps.</p>
<div class="lb-trans"><p>墨尔本的房屋上限为 950,000 澳元，布里斯班为 100 万澳元，悉尼为 130 万澳元，地区如吉朗也受到上限的限制。</p>
</div><p>Western Australia and Tasmania are yet to pass legislation so that local residents can participate in the scheme.</p>
<div class="lb-trans"><p>西澳大利亚和塔斯马尼亚尚未通过立法，以便当地居民能够参与该计划。</p>
</div><p>These caps are designed to ensure the purchase prices remain within the borrowing capacity of first-home buyers, although the caps will be quite restrictive, being below median prices and given the lower number of properties for sale below the cap.</p>
<div class="lb-trans"><p>这些上限旨在确保购买价格保持在首次购房者的借款能力范围内，尽管这些上限将相当严格，低于中位数价格，并且在上限以下待售的房产数量较少。</p>
</div><p>This scheme, like the Home Guarantee Scheme ++which I covered here++, is likely to help to inflate the prices of homes within the caps.</p>
<div class="lb-trans"><p>该计划，像我在这里提到的住房担保计划一样，可能会帮助抬高上限内房屋的价格。</p>
</div><p><strong>First in, Best Dressed</strong></p>
<div class="lb-trans"><p><strong>先到先得</strong></p>
</div><p>It may also be a good idea to apply early if you qualify because eligibility is also limited by location, with 10,000 places allocated nationally each year and divided across specific areas.</p>
<div class="lb-trans"><p>如果你符合条件，尽早申请可能也是个好主意，因为资格也受到地点的限制，每年全国分配 10,000 个名额，分配到特定地区。</p>
</div><p>For some the scheme will allow them to buy a property sooner than they would have been able to otherwise by acting as a sort of bridge between borrowing power and the value of the property.</p>
<div class="lb-trans"><p>对于一些人来说，该计划将使他们能够比原本更早购买房产，充当借款能力与房产价值之间的桥梁。</p>
</div><p>It also provides quite a bit of flexibility about if and when the home owner increases their equity by paying down the government ownership portion.</p>
<div class="lb-trans"><p>它还提供了相当大的灵活性，关于房主何时通过偿还政府所有权部分来增加他们的股权。</p>
</div><p>While the scheme could be great if you can qualify, it still doesn’t really address the fundamental imbalance between supply and demand which has been greatly worsening the affordability of property for prospective first home buyers.</p>
<div class="lb-trans"><p>虽然如果你能符合条件，该计划可能会很好，但它仍然没有真正解决供需之间的根本失衡，这大大恶化了潜在首次购房者的房产可负担性。</p>
</div>

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