地址保密, Cranbourne East, VIC 3977

请仔细阅读以下详情，它们解答了大部分常见问题。

主要详情

根据澳大利亚政府“帮助购房”计划提供的全新房屋土地套餐

合同将以房产总价值签发，本例中为 $950,000

共有产权示例：

- 买家：$570,000 (60%)

- 政府：$380,000 (40%)

（注：产权比例可能因资格和结构而异）

符合条件的买家可购买高达房产 60% 的份额，剩余高达 40% 由 Housing Australia 持有

这种结构可以帮助符合条件的买家比直接全款购买更快进入房地产市场

最低需要 2% 的真实储蓄（约 $19,000 + 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；可能有所变动）

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，全国分配名额有上限（全国约 800 个名额）

预批准和分配过程可能需要大约 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

必须是首次购房者（或符合其他计划要求，例如在澳大利亚或海外未持有房产）

家庭收入必须符合政府门槛：

- 高达 $100,000（单身申请人）

- 高达 $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、费用和时间表均为估算值，如有更改，恕不另行通知

这并非财务或法律建议。在进行任何操作之前，应获取独立建议

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 $950,000

以下也为您提供了一些选择

首付 10% 起

LMI 适用并添加到贷款中

施工期间的现金流友好解决方案，提供 12 个月免还款选项。

想象一下：您驾车驶入 Cranbourne East 一条宁静、适合家庭居住的街道。车道尽头矗立着您的全新双层四卧室住宅——现代、优雅，专为舒适和生活方式而设计。

走进室内，感受起居空间的开阔、自然光的流动以及经久耐用房屋的温馨。无论是时尚厨房里的家庭晚餐、楼上玩耍的孩子，还是在后院招待朋友，这所房子都已准备好创造美好回忆。

这所房屋脱颖而出的原因：

全新双层设计，带 4 间宽敞卧室。

现代装修和开放式起居空间，带来日常舒适。

空间、风格和投资潜力的完美平衡。

专为您设计的智能金融方案

当您咨询时，我们的一位内部金融经纪人将致电您，检查您的借贷能力并指导您完成预批准流程。

我们只接受银行或我们内部经纪人的预批准。

我们的经纪人可以提供独特的选择，例如在施工期间暂停前 12 个月的还款——非常适合希望管理现金流的投资者。

借贷能力比许多主要银行高出多达 30%。

投资者只需 10% 首付，LMI 将添加到贷款中。

首次购房者无 LMI 选项。

根据您的需求量身定制的具有竞争力的利率。

一旦您的财务获得批准，乐趣就开始了——我们的顾问将展示一系列土地和房屋套餐，以便您选择最适合您生活方式的方案。

免责声明：

所提供的信息仅供一般参考，如有更改，恕不另行通知。价格、包含项和可用性可能因土地面积、位置和建筑商规格而异。财务批准取决于个人情况、贷款机构评估以及条款和条件。所有优惠，包括借贷能力和首付要求，均受资格标准和贷款政策的约束。在进行任何房产购买之前，请寻求独立的财务和法律建议

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 $950,000

Shared equity example:

- Buyer: $570,000 (60%)

- Government: $380,000 (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. $19,000 + 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. $950,000

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.

Picture this: you drive into a quiet, family-friendly street in Cranbourne East. At the end of the driveway stands your brand-new double-storey, 4-bedroom home - modern, elegant, and designed for both comfort and lifestyle.

Step inside and feel the openness of the living spaces, the flow of natural light, and the warmth of a home built to last. Whether it's family dinners in the stylish kitchen, kids playing upstairs, or hosting friends in the backyard, this home is ready to create memories.

Why this home stands out:

A brand-new double-storey design with 4 spacious bedrooms.

Modern finishes and open-plan living for everyday comfort.

Perfect balance of space, style, and investment potential.

Smart Finance Options Just for You

When you enquire, one of our in-house finance brokers will give you a call to check your borrowing capacity and guide you through the pre-approval process.

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

Our brokers can offer unique options such as pausing repayments for the first 12 months during construction - perfect for investors looking to manage cash flow.

Up to 30% more borrowing capacity compared to many major banks.

Just 10% deposit for investors, with LMI added on top of the loan.

No LMI options available for first-home buyers.

Competitive interest rates tailored to your needs.

Once your finance is approved, the fun begins - our consultant will showcase a range of land and house packages so you can choose the perfect fit for your lifestyle.

Disclaimer:

The information provided is for general purposes only and is subject to change without notice. Prices, inclusions, and availability may vary depending on land size, location, and builder specifications. Finance approval is subject to individual circumstances, lender assessment, and terms and conditions. All offers, including borrowing capacity and deposit requirements, are subject to eligibility criteria and lending policies. Please seek independent financial and legal advice before making any property purchase