地址保密, Pakenham, VIC 3810

请仔细阅读以下详情，因为它们解答了大多数常见问题。

主要详情

澳大利亚政府“Help to Buy Scheme”计划下的全新房屋土地套餐

合同将按房产总价值签发，本例中为 $800,000

共有产权示例：

- 买家: $480,000 (60%)

- 政府: $320,000 (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%的份额由 Housing Australia 拥有。

这种结构可以帮助符合条件的买家比直接购买更快地进入房地产市场。

最低需要2%的真实储蓄（约 $26,000 + 费用 + 印花税，如果有的话），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，分配有上限（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

必须是首次置业者（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：

- 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

广告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符合资格。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，如有更改恕不另行通知。

这并非财务或法律建议。在进行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 $1,300,000

以下也为您提供了一些选择

10% 首付起

LMI 适用并添加到贷款中

施工期间提供现金流友好的解决方案，并可选择12个月免还款。

想象一下...

曾几何时，您梦想着在一个不断发展的社区拥有一套全新的住宅——一个现代设计与舒适并存，您的故事真正开始的地方。

现在，在 Pakenham East, VIC 3810，这个梦想可以通过这套独家单层4卧室房屋土地套餐实现。专为家庭、情侣和精明投资者设计，这不仅仅是四面墙和窗户——更是您一直期待的生活方式。

走进您未来的家，想象一下：

宽敞的4间卧室，提供舒适和私密性。

一个现代化的厨房，让家庭晚餐变成美好回忆。

开放式起居区，非常适合款待宾客。

一个安全的后院，孩子们可以在这里玩耍，或者您可以在漫长的一天后放松身心。

为何选择此套餐？

我们不仅仅提供一栋房屋——我们提供一个完整的旅程，让整个过程顺畅而激动人心：

一旦您咨询，我们的一位内部金融经纪人将致电给您。

他们将检查您的借贷能力并为您办理预批准——我们只接受银行或我们信任的经纪人的预批准。

我们的内部经纪人提供独家融资选择，包括：

施工期间前12个月可暂停还款——非常适合管理现金流的投资者。

与许多主要银行相比，借贷能力可提高30%。

投资者仅需10%首付（LMI 将添加到贷款中）。

首次置业者无 LMI 选项。

根据您的情况量身定制的具有竞争力的利率。

一旦融资获批，乐趣就开始了！我们的顾问将展示最佳的土地和房屋设计方案，以匹配您的生活方式和目标。

重要信息

这仅是房屋土地套餐——而非已建成房产。

融资必须通过我们的经纪人或凭银行预批准安排。

迈出下一步

您的梦想家园——或您的下一个精明投资——可能只需一个电话。立即咨询，让我们开始在 Kala-Pakenham East 建造您的未来。

免责声明：所提供信息仅供一般参考，如有更改恕不另行通知。价格和可用性以最终确认为准。条款和条件适用。融资选项取决于资格和贷款机构评估。

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 $800,000

Shared equity example:

- Buyer: $480,000 (60%)

- Government: $320,000 (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. $26,000 + costs+ Stamp duty if any) 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. $1,300,000

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.

Imagine this...

Once upon a time, you dreamed of owning a brand-new home in a growing community-a place where modern design meets comfort, and where your story truly begins.

Now, in Pakenham East, VIC 3810, that dream can come true with this exclusive single-storey 4-bedroom house and land package. Designed for families, couples, and smart investors, this home is more than just walls and windows-it's the lifestyle you've been waiting for.

Step inside your future home and picture:

Spacious 4 bedrooms for comfort and privacy.

A modern kitchen where family dinners turn into memories.

Open-plan living areas are perfect for entertaining.

A secure backyard where kids can play, or you can relax after a long day.

Why Choose This Package?

We don't just offer a house-we offer a complete journey that makes the process smooth and exciting:

Once you enquire, one of our in-house finance brokers will give you a call.

They'll check your borrowing capacity and get you pre-approval-we only accept pre-approvals from banks or our trusted brokers.

Our in-house brokers offer exclusive finance options, including:

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

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

Only a 10% deposit is required for investors (with LMI added to the loan).

No LMI options for first home buyers.

Competitive interest rates tailored to your situation.

Once finance is approved, the fun begins! Our consultants will showcase the best land and home design options to match your lifestyle and goals.

Important Information

This is a House & Land Package only - not an established property.

Finance must be arranged through our broker or with a bank pre-approval.

Take the Next Step

Your dream home-or your next smart investment-could be just a phone call away. Enquire today and let's start building your future in Kala-Pakenham East.

Disclaimer: The information provided is for general purposes only and is subject to change without notice. Price and availability are subject to final confirmation. Terms and conditions apply. Finance options depend on eligibility and lender assessment.