{"id":6626,"date":"2020-09-30T07:30:14","date_gmt":"2020-09-29T21:30:14","guid":{"rendered":"https:\/\/brighten.com.au\/resources\/first-home-buyers-guide\/"},"modified":"2025-02-13T18:27:33","modified_gmt":"2025-02-13T07:27:33","slug":"first-home-buyers-guide","status":"publish","type":"post","link":"https:\/\/brighten.com.au\/zh-hant\/first-home-buyers-guide\/information-and-tips-zh-hant\/","title":{"rendered":"\u9996\u6b21\u7f6e\u696d\u8cb7\u5bb6\u6307\u5357"},"content":{"rendered":"\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/brightenhomeloans.com.cn\/resources\/first-home-buyers-guide\/#Buying\">\u6211\u5982\u4f55\u958b\u59cb\u8cfc\u8cb7\u6211\u7684\u7b2c\u4e00\u500b\u5bb6\uff1f<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/brightenhomeloans.com.cn\/resources\/first-home-buyers-guide\/#borrow\">\u6211\u53ef\u4ee5\u85c9\u591a\u5c11\u9322\u8cfc\u8cb7\u6211\u7684\u7b2c\u4e00\u5957\u4f4f\u623f\u8cb8\u6b3e\uff1f<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/brightenhomeloans.com.cn\/resources\/first-home-buyers-guide\/#Buying\">\u8cfc\u8cb7\u6211\u7684\u7b2c\u4e00\u500b\u5bb6\u7684\u6240\u6709\u8cbb\u7528\u662f\u591a\u5c11\uff1f<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/brightenhomeloans.com.cn\/resources\/first-home-buyers-guide\/#Buying\">\u6211\u5982\u4f55\u7372\u5f97\u9996\u7b46\u623f\u5c4b\u8cb8\u6b3e\u7684\u9810\u5148\u6279\u51c6\uff1f<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/brightenhomeloans.com.cn\/resources\/first-home-buyers-guide\/#Buying\">\u4ec0\u9ebc\u662f\u9996\u6b21\u623f\u4e3b\u6d25\u8cbc\uff08FHOG\uff09\uff1f<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/brightenhomeloans.com.cn\/resources\/first-home-buyers-guide\/#Buying\">\u4ec0\u9ebc\u662f\u623f\u5c4b\u5efa\u7bc9\u5546\u734e\u91d1\uff1f<\/a><\/li>\n<\/ul>\n\n\n\n<p>\u5982\u679c\u60a8\u6b63\u5728\u5c0b\u627e\u95dc\u65bc\u5982\u4f55\u8cfc\u8cb7\u60a8\u7684\u7b2c\u4e00\u5957\u4f4f\u623f\u7684\u6e05\u6670\u76f4\u63a5\u7684\u4fe1\u606f\uff0c\u90a3\u9ebc\u60a8\u4f86\u5c0d\u5730\u65b9\u4e86\u3002<\/p>\n\n\n\n<p>\u5728\u9019\u88e1\uff0c\u60a8\u53ef\u4ee5\u627e\u5230\u6240\u6709\u6b65\u9a5f\u548c\u6210\u672c\uff0c\u8b93\u60a8\u8e0f\u8db3\u8ca1\u7522\u4e4b\u9580\uff0c\u8b93\u8a08\u5283\uff0c\u9810\u7b97\u548c\u6c7a\u7b56\u904e\u7a0b\u8b8a\u5f97\u66f4\u52a0\u7c21\u55ae\uff0c\u800c\u4e0d\u6703\u5e36\u4f86\u9a5a\u4eba\u7684\u58d3\u529b\u3002\u4e86\u89e3\u70ba\u4ec0\u9ebc\u5728\u60a8\u958b\u59cb\u5c0b\u627e\u5922\u60f3\u4e4b\u5bb6\u4e4b\u524d\u7372\u5f97\u6279\u51c6\u7684\u7b2c\u4e00\u7b46\u4f4f\u623f\u8cb8\u6b3e\u975e\u5e38\u91cd\u8981\uff0c\u4ee5\u53ca\u5982\u4f55\u4f7f\u7528First Home Owner&#8217;s Grant\u6216Home Builder&#8217;s Grant\u7533\u8acb\u73fe\u91d1\u589e\u503c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Buying\">\u6211\u5982\u4f55\u958b\u59cb\u8cfc\u8cb7\u6211\u7684\u7b2c\u4e00\u500b\u5bb6\uff1f<\/h3>\n\n\n\n<p>\u5728\u4f60\u958b\u59cb\u5c0b\u627e\u623f\u5b50\u4e4b\u524d\uff0c\u6700\u91cd\u8981\u7684\u4e8b\u60c5\u662f\u78ba\u5b9a\u4f60\u9700\u8981\u82b1\u591a\u5c11\u9322\u4ee5\u53ca\u4f60\u6709\u591a\u5c11\u80fd\u5920\u501f\u9322\u3002\u9019\u610f\u5473\u8457\u8981\u4ed4\u7d30\u770b\u770b\u60a8\u7684\u7e3d\u6536\u5165\u4ee5\u53ca\u60a8\u7684\u6240\u6709\u8ca1\u52d9\u627f\u8afe\u548c\u7bc0\u7701\u3002\u4f60\u9700\u8981\u5728\u4f60\u7684\u7b2c\u4e00\u500b\u5bb6\u5ead\u63d0\u51fa\u512a\u60e0\u4e4b\u524d\u5148\u6279\u51c6\u4f60\u7684\u8ca1\u52d9\u72c0\u6cc1\uff0c\u9019\u4e5f\u610f\u5473\u8457\u8981\u7372\u5f97\u623f\u5c4b\u8cb8\u6b3e\u7684\u9810\u5148\u6279\u51c6\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"borrow\">\u6211\u53ef\u4ee5\u85c9\u591a\u5c11\u9322\u8cfc\u8cb7\u6211\u7684\u7b2c\u4e00\u5957\u4f4f\u623f\u8cb8\u6b3e\uff1f<\/h3>\n\n\n\n<p>Brighten\u7684\u501f\u6b3e\u6b0a\u8a08\u7b97\u5668\u70ba\u60a8\u63d0\u4f9b\u4e86\u591a\u5c11\u501f\u6b3e\u6307\u5357\u3002\u7576\u60a8\u6e96\u5099\u597d\u8207\u6211\u5011\u804a\u5929\u6642\uff0c\u6211\u5011\u6703\u5e6b\u52a9\u60a8\u66f4\u8a73\u7d30\u5730\u89e3\u6c7a\u9019\u500b\u554f\u984c\u3002\u4f46\u8acb\u8a18\u4f4f\uff0c\u7121\u8ad6\u4f60\u80fd\u5920\u85c9\u591a\u5c11\u9322\uff0c\u91cd\u8981\u7684\u662f\u4e0d\u8981\u5728\u7d93\u6fdf\u4e0a\u904e\u5ea6\u627f\u8afe\u3002\u4f60\u9700\u8981\u8003\u616e\u4f60\u73fe\u5728\u548c\u672a\u4f86\u53ef\u80fd\u7684\u6536\u5165\uff0c\u4ee5\u53ca\u96a8\u8457\u6642\u9593\u7684\u63a8\u79fb\u6703\u6709\u591a\u7a69\u5b9a\u3002\u60a8\u9084\u9700\u8981\u8003\u616e\u5982\u4f55\u8655\u7406\u66f4\u9ad8\u7684\u5229\u7387\u548c\u9084\u6b3e\uff0c\u4e26\u610f\u8b58\u5230\u6fb3\u5927\u5229\u4e9e\u76ee\u524d\u7684\u5229\u7387\u4ecd\u7136\u5f88\u4f4e\u3002\u70ba\u4e86\u8b93\u7b2c\u4e00\u500b\u5bb6\u5ead\u64c1\u6709\u6109\u5feb\uff0c\u4f60\u5fc5\u9808\u8b93\u5b83\u8ca0\u64d4\u5f97\u8d77\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"costs\">\u8cfc\u8cb7\u6211\u7684\u7b2c\u4e00\u500b\u5bb6\u7684\u6240\u6709\u8cbb\u7528\u662f\u591a\u5c11\uff1f<\/h3>\n\n\n\n<p>\u9664\u4e86\u5be6\u969b\u7684\u623f\u50f9\u548c\u8cb8\u6b3e\u9084\u6b3e\u4e4b\u5916\uff0c\u4e86\u89e3\u8cfc\u8cb7\u7b2c\u4e00\u5957\u4f4f\u623f\u7684\u6240\u6709\u6210\u672c\u4e4b\u524d\uff0c\u4e86\u89e3\u9019\u4e00\u9ede\u975e\u5e38\u91cd\u8981\u3002\u9019\u4e9b\u8cbb\u7528\u5c07\u53d6\u6c7a\u65bc\u60a8\u7684\u623f\u7522\u50f9\u683c\u548c\u60a8\u7684\u623f\u5c4b\u8cb8\u6b3e\u7684\u898f\u6a21\uff0c\u4e26\u53ef\u4ee5\u52a0\u8d77\u4f86\u9ad8\u9054\u6578\u5343\u6fb3\u5143\u3002\u8981\u8a18\u4f4f\u4e00\u500b\u5408\u7406\u7684\u6307\u5357\u662f\u8ca1\u7522\u50f9\u503c\u76845\uff05\u5de6\u53f3\u3002\u9019\u4e9b\u984d\u5916\u8cbb\u7528\u5305\u62ec\uff1a<br><br><strong><strong>\u8fd9\u4e9b\u989d\u5916\u7684\u8d39\u7528\u5305\u62ec\uff1a<\/strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6cd5\u5f8b\u8cbb\u7528<\/li>\n\n\n\n<li>\u8cb8\u6b3e\u6a5f\u69cb\u6536\u8cbb<\/li>\n\n\n\n<li>\u87f2\u5bb3\u6aa2\u67e5<\/li>\n\n\n\n<li>\u5efa\u7bc9\u6aa2\u67e5<\/li>\n\n\n\n<li>\u79fb\u52d5\u8cbb\u7528<\/li>\n\n\n\n<li>\u5370\u82b1\u7a05\uff08\u6216\u201c\u8f49\u8b93\u201d\u7a05\uff09<\/li>\n<\/ul>\n\n\n\n<p>\u5927\u591a\u6578\u6fb3\u5927\u5229\u4e9e\u570b\u5bb6\u5c0d\u9996\u6b21\u8cfc\u623f\u8005\u90fd\u6709\u5370\u82b1\u7a05\u8c41\u514d\uff0c\u9019\u662f\u500b\u597d\u6d88\u606f\uff0c\u56e0\u70ba\u5b83\u901a\u5e38\u662f\u6700\u5927\u7684\u8cfc\u8cb7\u6210\u672c\u3002\u901a\u904e\u6211\u5011\u7684\u4fbf\u6377\u8a08\u7b97\u5668\uff0c\u67e5\u660e\u60a8\u662f\u5426\u514d\u9664\u5728\u9996\u5957\u623f\u652f\u4ed8\u5370\u82b1\u7a05\uff0c\u6216\u8005\u60a8\u53ef\u80fd\u9700\u8981\u652f\u4ed8\u591a\u5c11\u5370\u82b1\u7a05\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"pre-approval\">\u6211\u5982\u4f55\u7372\u5f97\u9996\u7b46\u623f\u5c4b\u8cb8\u6b3e\u7684\u9810\u5148\u6279\u51c6\uff1f<\/h3>\n\n\n\n<p>\u901a\u904e\u5728\u60a8\u958b\u59cb\u5bb6\u5ead\u72e9\u7375\u4e4b\u524d\u9810\u5148\u6279\u51c6\u60a8\u7684\u8cb8\u6b3e\uff0c\u8b93\u60a8\u7684\u65c5\u7a0b\u66f4\u5feb\u66f4\u8f15\u9b06\u5730\u627e\u5230\u4e26\u4fdd\u8b77\u60a8\u7684\u5922\u60f3\u5bb6\u5712\u3002<\/p>\n\n\n\n<p>\u9810\u5148\u6279\u51c6\u610f\u5473\u8457\u60a8\u53ef\u4ee5\u5728\u77e5\u9053\u81ea\u5df1\u80fd\u5920\u501f\u5230\u4e00\u5b9a\u91d1\u984d\u7684\u60c5\u6cc1\u4e0b\u641c\u7d22\u623f\u5c4b\uff0c\u4e26\u4e14\u5982\u679c\u9700\u8981\u53ef\u4ee5\u5feb\u901f\u63a1\u53d6\u884c\u52d5\u8d0f\u5f97\u92b7\u552e\u3002<br>\u5982\u679c\u60a8\u6253\u7b97\u4ee5\u62cd\u8ce3\u7684\u65b9\u5f0f\u8cfc\u8cb7\u8cb8\u6b3e\uff0c\u9810\u5148\u6279\u51c6\u8cb8\u6b3e\u4e5f\u6703\u7d66\u60a8\u5e36\u4f86\u6975\u5927\u7684\u5b89\u6170\u548c\u4fdd\u8b49\uff0c\u5982\u679c\u60a8\u662f\u6210\u529f\u7684\u51fa\u50f9\u4eba\uff0c\u60a8\u660e\u78ba\u627f\u8afe\u51fa\u552e\u7522\u54c1\u4e26\u4e14\u9700\u8981\u5728\u7576\u5929\u652f\u4ed810\uff05\u7684\u8a02\u91d1\u3002<\/p>\n\n\n\n<p>Brighten\u53ef\u4ee5\u8f15\u9b06\u5b89\u6392\u8cb8\u6b3e\u9810\u5148\u6279\u51c6\uff0c\u4e26\u4e14\u4e0d\u9700\u8981\u984d\u5916\u4ed8\u8cbb\u3002<br>\u4e86\u89e3\u66f4\u591a\u6709\u95dc\u501f\u52a9Brighten\u9810\u5148\u6279\u51c6\u7684\u9996\u7b46\u623f\u5c4b\u8cb8\u6b3e\u7372\u5f97\u8ca1\u7522\u826f\u597d\u958b\u7aef\u7684\u4fe1\u606f\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u9996\u500b\u5bb6\u5ead\u512a\u60e0\u8a08\u5283\u662f\u4ec0\u9ebc\uff1f<\/h3>\n\n\n\n<p>\u65b0\u5357\u5a01\u723e\u58eb\u5dde\u7b2c\u4e00\u5bb6\u5ead\u512a\u60e0\u8a08\u5283\uff08FHPS\uff09\u70ba\u7b26\u5408\u689d\u4ef6\u7684\u9996\u6b21\u7f6e\u696d\u8005\u63d0\u4f9b\u514d\u9664\u6216\u512a\u60e0\u5370\u82b1\u7a05\uff0c\u5305\u62ec\u60a8\u6253\u7b97\u5efa\u9020\u7b2c\u4e00\u5957\u4f4f\u623f\u7684\u7a7a\u7f6e\u571f\u5730\uff1a<\/p>\n\n\n\n<ul 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