地址保密, Cranbourne East, VIC 3977

请仔细阅读以下详情，因为它们解答了大部分常见问题。

主要详情

全新房屋土地套餐，可根据澳大利亚政府“助购计划”购买

合同将按房产总价值签发，在本例中为 $850,000

共有产权示例：

- 买家：$510,000 (60%)

- 政府：$340,000 (40%)

(注：产权比例可能有所不同，具体取决于资格和结构)

符合条件的买家可购买房产高达60%的份额，剩余高达40%的份额由 Housing Australia 持有

这种结构可能有助于符合条件的买家比全款购买更快地进入房地产市场

最低需要2%的真实储蓄 (约 $17,000 + 费用)，费用约为 $3,000-$4,000 (包括产权转让、政府费用和其他相关费用；可能会有变动)

在讨论具体套餐之前需要预先批准，因为该计划的参与名额有限，且该计划下的配额有上限 (全国约800个名额)

预批准和配额流程可能需要大约20-30天，具体取决于贷款机构和 Housing Australia 的处理时间

资格标准 (仅供参考)

必须是澳大利亚公民

必须是首次置业者 (或符合其他计划要求，例如在澳大利亚境内或境外未持有房产)

家庭收入必须符合政府设定的门槛：

- 最高 $100,000 (单身申请人)

- 最高 $160,000 (联合申请人)

必须仅符合 Housing Australia 和参与贷款机构的批准要求。

重要免责声明

所宣传的价格仅指买家所占份额 (例如60%)，而非房产总价值

并非所有申请人都能获得资格。资格将严格按照政府和贷款机构的要求进行评估

所有数字、还款额、费用和时间表均仅为估算，且可能随时更改，恕不另行通知

这并非财务或法律建议。在进行之前应寻求独立建议

对于投资者：请注意您仍然可以购买此房屋，但不能享受政府计划，因此需要支付全价，即 $850,000

以下也为您提供了一些选择

10%首付起

贷款机构抵押保险 (LMI) 适用并计入贷款

施工期间提供现金流友好的解决方案，可选择12个月免还款。

重要提示：

此房源仅为房屋土地套餐。并非现有房产。

想象一下，走进您的全新单层住宅，专为舒适、时尚和便利而设计。

这套4卧室住宅非常适合家庭、首次置业者或投资者，在备受欢迎的 Cranbourne East 社区寻求长期价值。

从您抵达的那一刻起，您会想象在后院举行周末烧烤，在宽敞的客厅里享受温馨的家庭电影之夜，以及一切都是全新的安心感——为未来而建，而非过去。

房屋亮点：

4间宽敞卧室，设计现代

开放式客厅和餐厅，非常适合家庭聚会

时尚厨房，配备优质装修

2间时尚浴室，方便实用

双车库，提供安全停车和储物空间

园景环境，位于繁荣的 Cranbourne East 社区

此套餐为何特别

这不仅仅是一栋房子——它是一个房屋土地套餐，这意味着您可以享受选择设计并看着您的梦想家园变为现实的激动人心的过程。

我们的流程让一切顺畅无忧：

咨询后的步骤：

财务核查 - 我们的一位内部金融经纪人将致电您，核查您的借贷能力并安排您的预批准。

我们只接受银行或我们自己的经纪人提供的预批准。

我们的经纪人可以为您解锁高达30%的额外借贷能力，相比许多主要银行。

投资者可享受10%首付选项，贷款机构抵押保险 (LMI) 将计入贷款。

首次置业者可选择免贷款机构抵押保险 (LMI)。

独家选项，可在施工期间暂停前12个月的还款——非常适合管理现金流的投资者。

具有竞争力的利率和多种量身定制的金融解决方案。

财务批准完成 - 一旦获得批准，乐趣就开始了！

我们的顾问将引导您了解土地和房屋套餐选项。

您将看到您的梦想家园将在何处建造，并可根据您的喜好进行定制。

免责声明：

价格基于标准配置，并可能因土地供应、设计变更和最终选择而异。财务批准受贷款机构条款和条件的约束。还款暂停和借贷能力选项仅通过我们的内部经纪人提供，可能不适用于所有买家。所提供的所有信息均为一般性质，不构成财务建议。买家在进行之前应寻求自己的独立法律和财务建议。

Brand New House & Land Package - Government Help to Buy Scheme

Please read the below details carefully, as they address the majority of common questions.

Key Details

Brand new house & land package available under the Australian Government Help to Buy Scheme

Contracts will be issued for the full property value, which in this example is $850,000

Shared equity example:

- Buyer: $510,000 (60%)

- Government: $340,000 (40%)

(Note: equity proportions may vary depending on eligibility and structure)

Eligible buyers may purchase up to a 60% share of the property, with the remaining up to 40% owned by Housing Australia

This structure may assist eligible buyers in entering the property market sooner compared to purchasing outright

Minimum 2% genuine savings required (approx. $17,000 + costs) costs are approximately $3,000-$4,000 (including conveyancing, government fees, and other associated costs; subject to variation)

Pre-approval is required prior to discussing specific packages, as participation in the scheme is limited as allocation under the scheme is capped (approximately 800 places nationally)

The pre-approval and allocation process may take approximately 20-30 days, subject to lender and Housing Australia processing timeframes

Eligibility Criteria (Indicative Only)

Must be an Australian citizen

Must be a first home buyer (or otherwise meet scheme requirements like do not hold Property in Australia or overseas)

Household income must fall within government thresholds:

- Up to $100,000 (single applicants)

- Up to $160,000 (joint applicants)

Must meet approval requirements of Housing Australia and the participating lender only.

Important Disclaimers

The advertised pricing relates to the buyer's share only (e.g. 60%) and not the full property value

Not all applicants will qualify. Eligibility is strictly assessed in accordance with government and lender requirements

All figures, repayments, costs, and timeframes are estimates only and subject to change without notice

This is not financial or legal advice. Independent advice should be obtained before proceeding

For Investors: please note you can still buy this house but not under the government scheme so need to pay the full price i.e. $850,000

Below are some options for you as well

From 10% deposit

LMI applicable and added on top of the loan

Cash-flow-friendly solutions during construction with No repayments for 12 months option.

Important Note:

This listing is for a House & Land Package only. It is not for an established property.

Imagine stepping into your brand-new, single-story home designed for comfort, style, and convenience.

This 4-bedroom home is perfect for families, first-home buyers, or investors looking for long-term value in the sought-after Cranbourne East community.

From the moment you arrive, you'll picture weekend BBQs in the backyard, cozy family movie nights in the spacious living room, and the peace of mind knowing everything is brand new - built for the future, not the past.

Highlights of the Home:

4 spacious bedrooms with modern design

Open-plan living and dining, perfect for family gatherings

Stylish kitchen with quality finishes

2 sleek bathrooms for convenience

Double garage for secure parking and storage

Landscaped surroundings in a thriving Cranbourne East neighborhood

Why This Package is Special

This is not just a house - it's a House & Land Package, which means you get the exciting journey of choosing your design and watching your dream home come to life.

Our process makes it smooth and stress-free:

The Steps Once You Enquire:

Finance Check - One of our in-house finance brokers will call you to check your borrowing capacity and arrange your pre-approval.

We only accept pre-approvals from banks or our own brokers.

Our brokers can unlock up to 30% more borrowing capacity compared to many major banks.

Investors can enjoy 10% deposit options, with LMI added to the loan.

No LMI options for first-home buyers available.

Exclusive options to pause repayments for the first 12 months during construction - perfect for investors managing cash flow.

Competitive interest rates and multiple tailored finance solutions.

Finance Approval Completed - Once approved, the fun begins!

Our consultant will guide you through showcasing the land and house package options.

You'll get to see where your dream home will be built and customize to your taste.

Disclaimer:

Price is based on standard inclusions and may vary depending on land availability, design changes, and final selections. Finance approvals are subject to lender terms and conditions. The repayment pause and borrowing capacity options are available only through our in-house brokers and may not be applicable to all buyers. All information provided is general in nature and does not constitute financial advice. Buyers should seek their own independent legal and financial advice before proceeding.