<p>我對政府參與住房市場持非常批評的態度，但這並不意味着你不應該檢查一下自己是否有資格獲得一些幫助。</p>
<p>你可能沒有聽説過的最新項目被稱為 “幫助購買”，它的運作方式是政府直接在你購買的房產中佔有高達 40% 的股份。</p>
<p>你仍然需要符合標準住房貸款的資格，以覆蓋剩餘的價值，但由於政府佔有了初始購買價格的相當大一部分，因此該抵押貸款將顯著減少。</p>
<p>對於新房，政府將貢獻高達 40% 的總價值，而對於現有房屋則貢獻高達 30% 的總價值，政府的股份將隨着時間的推移而受到資本收益和損失的影響。</p>
<p><strong>無需支付租金</strong></p>
<p>根據該計劃，房主無需支付政府所佔房屋股份的任何租金或利息，並且可以在一段時間內償還政府的股份。</p>
<p>如果政府的股份未償還，則在房產出售時需要結清。</p>
<p>房主可以通過隨時自願償還來回購政府擁有的部分，或者在有財務能力時償還政府的股權，或者等到房產出售時再償還。</p>
<p>可以理解的是，關於誰可以符合這一新共享股權模型有一些規則，第一條條件是該房產必須是他們的首次購房，並且是他們的主要居住地。</p>
<p>該計劃旨在幫助那些已經儲蓄但仍無法在所需地點購買合適住房的低收入和中等收入者。</p>
<p><strong>注意上限</strong></p>
<p>個人的應税收入上限為 100,000 澳元，單親家庭為 160,000 澳元，夫妻則確保富裕人士無法獲得該計劃，該計劃通過聯邦銀行和澳大利亞銀行提供。</p>
<p>該計劃於 12 月 5 日開始，申請可以通過相關銀行進行，購買時甚至可以只需 2% 的低存款。</p>
<p>申請者需要是澳大利亞公民，年滿 18 歲，並且至少儲蓄了最低 2% 的存款，符合剩餘貸款的資格，並能夠承擔前期和持續的物業費用。</p>
<p><strong>持續資格</strong></p>
<p>還需要持續的承諾，因為一旦你使用該計劃購買了房屋，你需要繼續滿足某些資格標準。</p>
<p>這些標準包括維護房屋，保持保險，並參與收入更新和個人情況重大變化的信息審查。</p>
<p>如果買家的收入在連續兩年內超過了上限，他們可能需要償還政府的貢獻——部分或全部——具體取決於當時的政策設置。</p>
<p><strong>價格上限</strong></p>
<p>根據你計劃在澳大利亞購買的地點，也有一些相當嚴格的房產價格上限。</p>
<p>墨爾本的房屋上限為 950,000 澳元，布里斯班為 100 萬澳元，悉尼為 130 萬澳元，地區如吉朗也受到上限的限制。</p>
<p>西澳大利亞和塔斯馬尼亞尚未通過立法，以便當地居民能夠參與該計劃。</p>
<p>這些上限旨在確保購買價格保持在首次購房者的借款能力範圍內，儘管這些上限將相當嚴格，低於中位數價格，並且在上限以下待售的房產數量較少。</p>
<p>該計劃，像我在這裏提到的住房擔保計劃一樣，可能會幫助抬高上限內房屋的價格。</p>
<p><strong>先到先得</strong></p>
<p>如果你符合條件，儘早申請可能也是個好主意，因為資格也受到地點的限制，每年全國分配 10,000 個名額，分配到特定地區。</p>
<p>對於一些人來説，該計劃將使他們能夠比原本更早購買房產，充當借款能力與房產價值之間的橋樑。</p>
<p>它還提供了相當大的靈活性，關於房主何時通過償還政府所有權部分來增加他們的股權。</p>
<p>雖然如果你能符合條件，該計劃可能會很好，但它仍然沒有真正解決供需之間的根本失衡，這大大惡化了潛在首次購房者的房產可負擔性。</p>

LADR

AOMR

<p>“幫助購房” 計劃允許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，從而減少按揭貸款金額。該計劃旨在幫助首次購房者，並設定了收入上限，提供靈活的方式來償還政府的股份。該計劃旨在幫助低收入和中等收入者，但並未解決住房供需失衡的問題</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>我對政府參與住房市場持非常批評的態度，但這並不意味着你不應該檢查一下自己是否有資格獲得一些幫助。</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>你可能沒有聽説過的最新項目被稱為 “幫助購買”，它的運作方式是政府直接在你購買的房產中佔有高達 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>你仍然需要符合標準住房貸款的資格，以覆蓋剩餘的價值，但由於政府佔有了初始購買價格的相當大一部分，因此該抵押貸款將顯著減少。</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>對於新房，政府將貢獻高達 40% 的總價值，而對於現有房屋則貢獻高達 30% 的總價值，政府的股份將隨着時間的推移而受到資本收益和損失的影響。</p>
</div><p><strong>No Rent to Pay</strong></p>
<div class="lb-trans"><p><strong>無需支付租金</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>根據該計劃，房主無需支付政府所佔房屋股份的任何租金或利息，並且可以在一段時間內償還政府的股份。</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>如果政府的股份未償還，則在房產出售時需要結清。</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>房主可以通過隨時自願償還來回購政府擁有的部分，或者在有財務能力時償還政府的股權，或者等到房產出售時再償還。</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，關於誰可以符合這一新共享股權模型有一些規則，第一條條件是該房產必須是他們的首次購房，並且是他們的主要居住地。</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>該計劃旨在幫助那些已經儲蓄但仍無法在所需地點購買合適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>個人的應税收入上限為 100,000 澳元，單親家庭為 160,000 澳元，夫妻則確保富裕人士無法獲得該計劃，該計劃通過聯邦銀行和澳大利亞銀行提供。</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>該計劃於 12 月 5 日開始，申請可以通過相關銀行進行，購買時甚至可以只需 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>申請者需要是澳大利亞公民，年滿 18 歲，並且至少儲蓄了最低 2% 的存款，符合剩餘貸款的資格，並能夠承擔前期和持續的物業費用。</p>
</div><p><strong>Eligibility Ongoing</strong></p>
<div class="lb-trans"><p><strong>持續資格</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>還需要持續的承諾，因為一旦你使用該計劃購買了房屋，你需要繼續滿足某些資格標準。</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>這些標準包括維護房屋，保持保險，並參與收入更新和個人情況重大變化的信息審查。</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>如果買家的收入在連續兩年內超過了上限，他們可能需要償還政府的貢獻——部分或全部——具體取決於當時的政策設置。</p>
</div><p><strong>Caps on Prices as Well</strong></p>
<div class="lb-trans"><p><strong>價格上限</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>根據你計劃在澳大利亞購買的地點，也有一些相當嚴格的房產價格上限。</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>墨爾本的房屋上限為 950,000 澳元，布里斯班為 100 萬澳元，悉尼為 130 萬澳元，地區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>西澳大利亞和塔斯馬尼亞尚未通過立法，以便當地居民能夠參與該計劃。</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>這些上限旨在確保購買價格保持在首次購房者的借款能力範圍內，儘管這些上限將相當嚴格，低於中位數價格，並且在上限以下待售的房產數量較少。</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>該計劃，像我在這裏提到的住房擔保計劃一樣，可能會幫助抬高上限內房屋的價格。</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>如果你符合條件，儘早申請可能也是個好主意，因為資格也受到地點的限制，每年全國分配 10,000 個名額，分配到特定地區。</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>對於一些人來説，該計劃將使他們能夠比原本更早購買房產，充當借款能力與房產價值之間的橋樑。</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>它還提供了相當大的靈活性，關於房主何時通過償還政府所有權部分來增加他們的股權。</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>雖然如果你能符合條件，該計劃可能會很好，但它仍然沒有真正解決供需之間的根本失衡，這大大惡化了潛在首次購房者的房產可負擔性。</p>
</div>

在購房階梯上獲得幫助