{"id":34688,"date":"2026-07-20T08:43:32","date_gmt":"2026-07-19T22:43:32","guid":{"rendered":"https:\/\/au0061.com\/?p=34688"},"modified":"2026-07-20T08:43:32","modified_gmt":"2026-07-19T22:43:32","slug":"how-to-get-a-mortgage-in-australia-a-comprehensive-guide-even-beginners-can-easily-get-started","status":"publish","type":"post","link":"https:\/\/au0061.com\/en\/%e5%9c%a8%e6%be%b3%e5%a4%a7%e5%88%a9%e4%ba%9a%e5%a6%82%e4%bd%95%e8%b4%b7%e6%ac%be%e4%b9%b0%e6%88%bf%ef%bc%9f%e8%b6%85%e5%85%a8%e6%8c%87%e5%8d%97%ef%bc%81%e5%b0%8f%e7%99%bd%e4%b9%9f%e8%83%bd%e8%bd%bb\/","title":{"rendered":"How to get a mortgage in Australia? A comprehensive guide! Even beginners can easily get started."},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/au0061.com\/wp-content\/uploads\/2026\/07\/pexels-leeloothefirst-4869634.jpg\" alt=\"How to get a mortgage in Australia? A comprehensive guide! Even beginners can easily get started.\" title=\"\"><\/p>\n<p>Hello everyone, I am the assistant of Australian Encyclopedia. Recently, some friends asked me about<b>\u5728\u6fb3\u5927\u5229\u4e9a\u5982\u4f55\u8d37\u6b3e\u4e70\u623f<\/b>Now I will summarize the relevant issues and hope it will be helpful to those who want to know more.<\/p>\n<p>\u5728\u6fb3\u5927\u5229\u4e9a\uff0c\u4e70\u623f\u8d37\u6b3e\u662f\u7edd\u5927\u591a\u6570\u4eba\u5b9e\u73b0\u7f6e\u4e1a\u68a6\u60f3\u7684\u5fc5\u7ecf\u4e4b\u8def\u3002\u65e0\u8bba\u662f\u672c\u5730\u5c45\u6c11\u8fd8\u662f\u6d77\u5916\u6295\u8d44\u8005\uff0c\u4e86\u89e3\u6fb3\u6d32\u7684\u8d37\u6b3e\u4f53\u7cfb\u3001\u6d41\u7a0b\u548c\u6ce8\u610f\u4e8b\u9879\u90fd\u81f3\u5173\u91cd\u8981\u3002\u672c\u6587\u5c06\u4ece\u8d37\u6b3e\u7c7b\u578b\u3001\u7533\u8bf7\u6761\u4ef6\u3001\u6d41\u7a0b\u6b65\u9aa4\u3001\u8d39\u7528\u89e3\u6790\u4ee5\u53ca\u5e38\u89c1\u8bef\u533a\u7b49\u65b9\u9762\uff0c\u4e3a\u4f60\u5168\u9762\u5256\u6790\u5728\u6fb3\u5927\u5229\u4e9a\u8d37\u6b3e\u4e70\u623f\u7684\u65b9\u65b9\u9762\u9762\u3002\u6587\u7ae0\u5185\u5bb9\u8f83\u957f\uff0c\u5efa\u8bae\u6536\u85cf\u540e\u6162\u6162\u9605\u8bfb\u3002<\/p>\n<h2>\u6fb3\u6d32\u8d37\u6b3e\u4e70\u623f\u7684\u57fa\u672c\u6982\u5ff5\u4e0e\u6838\u5fc3\u6d41\u7a0b<\/h2>\n<p>\u9996\u5148\uff0c\u6211\u4eec\u9700\u8981\u660e\u786e\u4e00\u4e2a\u57fa\u7840\u6982\u5ff5\uff1a\u5728\u6fb3\u5927\u5229\u4e9a\uff0c\u8d37\u6b3e\u4e70\u623f\u901a\u5e38\u6307\u7684\u662f\u5411\u94f6\u884c\u6216\u975e\u94f6\u884c\u91d1\u878d\u673a\u6784\u7533\u8bf7\u4f4f\u623f\u62b5\u62bc\u8d37\u6b3e\uff08Home Loan\uff09\uff0c\u4ee5\u6240\u8d2d\u623f\u4ea7\u4f5c\u4e3a\u62b5\u62bc\u7269\uff0c\u5206\u671f\u507f\u8fd8\u672c\u91d1\u548c\u5229\u606f\u3002\u6fb3\u6d32\u7684\u623f\u8d37\u5e02\u573a\u975e\u5e38\u6210\u719f\uff0c\u4ea7\u54c1\u79cd\u7c7b\u4e30\u5bcc\uff0c\u5229\u7387\u76f8\u5bf9\u7a33\u5b9a\uff08\u8fd1\u5e74\u53d7\u52a0\u606f\u5f71\u54cd\u6709\u6240\u6ce2\u52a8\uff09\uff0c\u4f46\u6574\u4f53\u900f\u660e\u5ea6\u9ad8\uff0c\u76d1\u7ba1\u4e25\u683c\u3002<\/p>\n<h3>1. \u8d37\u6b3e\u7c7b\u578b\uff1a\u9009\u5bf9\u4ea7\u54c1\u5c11\u8d70\u5f2f\u8def<\/h3>\n<p>\u6fb3\u6d32\u5e38\u89c1\u7684\u623f\u8d37\u4ea7\u54c1\u5305\u62ec\uff1a<\/p>\n<ul>\n<li><strong>\u6d6e\u52a8\u5229\u7387\u8d37\u6b3e\uff08Variable Rate Loan\uff09<\/strong>\uff1a\u5229\u7387\u968f\u5e02\u573a\u53d8\u5316\u800c\u8c03\u6574\uff0c\u901a\u5e38\u9644\u6709\u5bf9\u51b2\u8d26\u6237\uff08Offset Account\uff09\u529f\u80fd\uff0c\u53ef\u51cf\u5c11\u5229\u606f\u652f\u51fa\u3002\u7075\u6d3b\u6027\u9ad8\uff0c\u9002\u5408\u5e0c\u671b\u63d0\u524d\u8fd8\u6b3e\u6216\u968f\u65f6\u589e\u52a0\u8fd8\u6b3e\u989d\u7684\u501f\u6b3e\u4eba\u3002<\/li>\n<li><strong>\u56fa\u5b9a\u5229\u7387\u8d37\u6b3e\uff08Fixed Rate Loan\uff09<\/strong>\uff1a\u5728\u9501\u5b9a\u671f\u95f4\u5185\u5229\u7387\u4e0d\u53d8\uff0c\u8fd8\u6b3e\u91d1\u989d\u7a33\u5b9a\uff0c\u9002\u5408\u5bf9\u672a\u6765\u5229\u7387\u4e0a\u5347\u6709\u62c5\u5fe7\u7684\u501f\u6b3e\u4eba\u3002\u4f46\u56fa\u5b9a\u671f\u901a\u5e38\u4e3a1-5\u5e74\uff0c\u671f\u95f4\u63d0\u524d\u8fd8\u6b3e\u53ef\u80fd\u9700\u8981\u652f\u4ed8\u8fdd\u7ea6\u91d1\u3002<\/li>\n<li><strong>\u53ea\u8fd8\u5229\u606f\u8d37\u6b3e\uff08Interest-Only Loan\uff09<\/strong>\uff1a\u5728\u4e00\u5b9a\u671f\u9650\u5185\uff08\u901a\u5e385\u5e74\uff09\u53ea\u652f\u4ed8\u5229\u606f\uff0c\u4e0d\u8fd8\u672c\u91d1\uff0c\u4e4b\u540e\u8f6c\u5165\u672c\u606f\u540c\u8fd8\u3002\u9002\u5408\u6295\u8d44\u5ba2\u6216\u77ed\u671f\u8d44\u91d1\u538b\u529b\u8f83\u5927\u7684\u8d2d\u623f\u8005\uff0c\u4f46\u957f\u671f\u603b\u5229\u606f\u66f4\u9ad8\u3002<\/li>\n<li><strong>\u7efc\u5408\u8d37\u6b3e\uff08Split Loan\uff09<\/strong>\uff1a\u5c06\u8d37\u6b3e\u91d1\u989d\u5206\u4e3a\u56fa\u5b9a\u548c\u6d6e\u52a8\u4e24\u90e8\u5206\uff0c\u517c\u987e\u7a33\u5b9a\u6027\u548c\u7075\u6d3b\u6027\u3002<\/li>\n<\/ul>\n<h3>2. \u7533\u8bf7\u6761\u4ef6\uff1a\u94f6\u884c\u770b\u4ec0\u4e48\uff1f<\/h3>\n<p>\u65e0\u8bba\u662f\u6fb3\u6d32\u516c\u6c11\u3001\u6c38\u4e45\u5c45\u6c11\u8fd8\u662f\u6d77\u5916\u4eba\u58eb\uff0c\u7533\u8bf7\u8d37\u6b3e\u65f6\u94f6\u884c\u4e3b\u8981\u8bc4\u4f30\u4ee5\u4e0b\u51e0\u70b9\uff1a<\/p>\n<ul>\n<li><strong>\u6536\u5165\u7a33\u5b9a\u6027<\/strong>\uff1a\u9700\u63d0\u4f9b\u5de5\u8d44\u5355\u3001\u62a5\u7a0e\u8bb0\u5f55\uff08\u5bf9\u4e8e\u81ea\u96c7\u4eba\u58eb\u9700\u63d0\u4f9b\u4e24\u5e74\u516c\u53f8\u8d22\u62a5\uff09\u7b49\u3002\u6d77\u5916\u6536\u5165\u9700\u989d\u5916\u63d0\u4f9b\u5916\u5e01\u8bc1\u660e\u5e76\u53ef\u80fd\u8981\u6c42\u66f4\u9ad8\u9996\u4ed8\u3002<\/li>\n<li><strong>\u4fe1\u7528\u8bb0\u5f55<\/strong>\uff1a\u6fb3\u6d32\u4fe1\u7528\u8bc4\u5206\uff08\u5982Veda\u6216Equifax\uff09\u81f3\u5173\u91cd\u8981\u3002\u4efb\u4f55\u903e\u671f\u8fd8\u6b3e\u3001\u7834\u4ea7\u8bb0\u5f55\u90fd\u4f1a\u5f71\u54cd\u8d37\u6b3e\u5ba1\u6279\u3002<\/li>\n<li><strong>Down payment ratio<\/strong>\uff1a\u901a\u5e38\u81f3\u5c11\u9700\u8981\u623f\u5c4b\u603b\u4ef7\u768420%\u4f5c\u4e3a\u9996\u4ed8\uff08LVR &lt; 80%\uff09\uff0c\u5426\u5219\u9700\u8d2d\u4e70\u8d37\u6b3e\u4fdd\u9669\uff08Lenders Mortgage Insurance, LMI\uff09\u3002\u6d77\u5916\u4eba\u58eb\u901a\u5e38\u8981\u6c4230%-40%\u9996\u4ed8\u3002<\/li>\n<li><strong>\u8d1f\u503a\u6c34\u5e73<\/strong>\uff1a\u73b0\u6709\u5176\u4ed6\u8d37\u6b3e\uff08\u5982\u8f66\u8d37\u3001\u4fe1\u7528\u5361\uff09\u4f1a\u5f71\u54cd\u6bcf\u6708\u8fd8\u6b3e\u80fd\u529b\uff0c\u94f6\u884c\u4f1a\u8ba1\u7b97\u503a\u52a1\u6536\u5165\u6bd4\uff08DTI\uff09\u3002<\/li>\n<li><strong>\u8eab\u4efd\u4e0e\u7b7e\u8bc1<\/strong>\uff1a\u4e34\u65f6\u5c45\u6c11\uff08\u5982\u5b66\u751f\u7b7e\u3001\u5de5\u7b7e\uff09\u548c\u6d77\u5916\u4eba\u58eb\u7533\u8bf7\u8d37\u6b3e\u65f6\uff0c\u94f6\u884c\u5ba1\u67e5\u66f4\u4e25\u683c\uff0c\u90e8\u5206\u94f6\u884c\u4ec5\u63a5\u53d7\u6c38\u5c45\u6216\u516c\u6c11\u3002<\/li>\n<\/ul>\n<h3>3. \u8d37\u6b3e\u989d\u5ea6\u4e0e\u8ba1\u7b97\uff1a\u4f60\u80fd\u8d37\u591a\u5c11\uff1f<\/h3>\n<p>\u94f6\u884c\u901a\u5e38\u4f7f\u7528\u201c\u507f\u8fd8\u80fd\u529b\u6d4b\u8bd5\u201d\u6765\u8ba1\u7b97\u6700\u9ad8\u8d37\u6b3e\u989d\u3002\u4ed6\u4eec\u4f1a\u5047\u8bbe\u4e00\u4e2a\u6bd4\u5b9e\u9645\u5229\u7387\u66f4\u9ad8\u7684\u7f13\u51b2\u5229\u7387\uff08\u4f8b\u59828%\u62169%\uff09\uff0c\u7136\u540e\u6839\u636e\u4f60\u7684\u51c0\u6536\u5165\u3001\u751f\u6d3b\u5f00\u652f\u3001\u5176\u4ed6\u503a\u52a1\u7b49\u7efc\u5408\u8bc4\u4f30\u3002\u4e00\u822c\u6fb3\u6d32\u672c\u5730\u5c45\u6c11\u53ef\u8d37\u989d\u5ea6\u4e3a\u5e74\u6536\u5165\u76845-6\u500d\uff0c\u6d77\u5916\u4eba\u58eb\u5219\u66f4\u4f4e\u3002<\/p>\n<h2>\u4e0e\u5728\u6fb3\u5927\u5229\u4e9a\u8d37\u6b3e\u4e70\u623f\u76f8\u5173\u7684\u95ee\u9898<\/h2>\n<p>\u5f88\u591a\u521d\u6b21\u63a5\u89e6\u6fb3\u6d32\u623f\u8d37\u7684\u670b\u53cb\uff0c\u4f1a\u6709\u4ee5\u4e0b\u9ad8\u9891\u7591\u95ee\uff0c\u6211\u4eec\u4e00\u4e00\u89e3\u7b54\uff1a<\/p>\n<h3>\u95ee\u9898\u4e00\uff1a\u6d77\u5916\u4eba\u58eb\u5728\u6fb3\u6d32\u80fd\u8d37\u6b3e\u4e70\u623f\u5417\uff1f<\/h3>\n<p>\u53ef\u4ee5\uff0c\u4f46\u9650\u5236\u8f83\u591a\u3002\u9996\u5148\uff0c\u6d77\u5916\u4eba\u58eb\u53ea\u80fd\u8d2d\u4e70\u65b0\u623f\uff08\u697c\u82b1\u6216\u5168\u65b0\u5efa\u6210\uff09\u6216\u7a7a\u5730\uff08\u9700\u57284\u5e74\u5185\u5efa\u623f\uff09\uff0c\u4e0d\u80fd\u8d2d\u4e70\u5df2\u5efa\u6210\u4e8c\u624b\u623f\uff08\u9664\u975e\u6709\u7279\u6b8a\u8c41\u514d\uff0c\u5982\u4e34\u65f6\u5c45\u6c11\u53ef\u4e70\u4e00\u5957\u81ea\u4f4f\uff09\u3002\u5176\u6b21\uff0c\u94f6\u884c\u5bf9\u6d77\u5916\u6536\u5165\u7533\u8bf7\u5ba1\u6838\u975e\u5e38\u4e25\u683c\uff0c\u901a\u5e38\u8981\u6c42\u9996\u4ed830%-40%\uff0c\u5229\u7387\u4e5f\u53ef\u80fd\u7565\u9ad8\u3002\u90e8\u5206\u94f6\u884c\uff08\u5982\u6c47\u4e30\u3001ANZ\uff09\u6709\u4e13\u95e8\u9762\u5411\u6d77\u5916\u4eba\u58eb\u7684\u4ea7\u54c1\uff0c\u4f46\u9700\u63d0\u4f9b\u6d77\u5916\u6536\u5165\u8bc1\u660e\u3001\u7ffb\u8bd1\u4ef6\u53ca\u516c\u8bc1\u3002\u53e6\u5916\uff0c\u6d77\u5916\u4e70\u5bb6\u8fd8\u9700\u7f34\u7eb3\u6d77\u5916\u6295\u8d44\u7533\u8bf7\u8d39\uff08FIRB\u7533\u8bf7\u8d39\uff09\u548c\u989d\u5916\u5370\u82b1\u7a0e\uff08\u5404\u5dde\u4e0d\u540c\uff0c\u4f8b\u5982\u7ef4\u5dde\u989d\u59167%\uff0c\u65b0\u5dde\u989d\u59168%\uff09\u3002<\/p>\n<h3>\u95ee\u9898\u4e8c\uff1a\u8d37\u6b3e\u4e70\u623f\u9700\u8981\u54ea\u4e9b\u8d39\u7528\uff1f<\/h3>\n<p>\u9664\u4e86\u9996\u4ed8\uff0c\u8fd8\u6709\u4ee5\u4e0b\u8d39\u7528\uff1a<\/p>\n<ul>\n<li><strong>\u5370\u82b1\u7a0e\uff08Stamp Duty\uff09<\/strong>\uff1a\u5404\u5dde\u4e0d\u540c\uff0c\u9996\u6b21\u7f6e\u4e1a\u8005\u53ef\u80fd\u6709\u51cf\u514d\u3002\u6d77\u5916\u4e70\u5bb6\u5370\u82b1\u7a0e\u66f4\u9ad8\u3002<\/li>\n<li><strong>\u8d37\u6b3e\u7533\u8bf7\u8d39\uff08Application Fee\uff09<\/strong>\uff1a\u7ea6$300-$600\u3002<\/li>\n<li><strong>\u623f\u5c4b\u68c0\u67e5\u8d39\uff08Building &amp; Pest Inspection\uff09<\/strong>\uff1a\u7ea6$500-$800\u3002<\/li>\n<li><strong>\u5f8b\u5e08\u8d39\/\u8fc7\u6237\u5e08\u8d39\uff08Conveyancer\/Solicitor Fee\uff09<\/strong>\uff1a\u7ea6$800-$2,000\u3002<\/li>\n<li><strong>\u8d37\u6b3e\u4fdd\u9669\u8d39\uff08LMI\uff09<\/strong>\uff1a\u9996\u4ed8\u4e0d\u8db320%\u65f6\u9700\u7f34\u7eb3\uff0c\u8d39\u7528\u4e3a\u8d37\u6b3e\u989d\u76841%-4%\u4e0d\u7b49\u3002<\/li>\n<li><strong>\u4f30\u4ef7\u8d39\uff08Valuation Fee\uff09<\/strong>\uff1a\u94f6\u884c\u5bf9\u623f\u4ea7\u4f30\u503c\u65f6\u4f1a\u6536\u53d6\u7ea6$200-$400\u3002<\/li>\n<li><strong>\u6bcf\u5e74\u7684\u623f\u8d37\u5e74\u8d39\uff08Annual Fee\uff09<\/strong>\uff1a\u90e8\u5206\u94f6\u884c\u6709\u5e74\u8d39\uff0c\u7ea6$200-$400\u3002<\/li>\n<\/ul>\n<p>\u5efa\u8bae\u8d2d\u623f\u524d\u505a\u4e00\u4e2a\u8be6\u7ec6\u7684\u8d39\u7528\u6e05\u5355\uff0c\u9884\u7559\u81f3\u5c11\u603b\u623f\u4ef75%\u7684\u989d\u5916\u8d44\u91d1\u3002<\/p>\n<h3>\u95ee\u9898\u4e09\uff1a\u8d37\u6b3e\u6d41\u7a0b\u662f\u600e\u6837\u7684\uff1f<\/h3>\n<p>\u5178\u578b\u6d41\u7a0b\u5982\u4e0b\uff1a<\/p>\n<ol>\n<li><strong>\u9884\u6279\uff08Pre-approval\uff09<\/strong>\uff1a\u5411\u94f6\u884c\u6216\u8d37\u6b3e\u4e2d\u4ecb\u63d0\u4f9b\u6536\u5165\u3001\u8d44\u4ea7\u7b49\u7b80\u5355\u8d44\u6599\uff0c\u83b7\u5f97\u4e00\u4e2a\u521d\u6b65\u8d37\u6b3e\u989d\u5ea6\uff08\u6709\u6548\u671f\u901a\u5e383-6\u4e2a\u6708\uff09\u3002\u8fd9\u80fd\u5e2e\u4f60\u5728\u770b\u623f\u65f6\u660e\u786e\u9884\u7b97\u3002<\/li>\n<li><strong>\u770b\u623f\u5e76\u51fa\u4ef7<\/strong>\uff1a\u627e\u5230\u5fc3\u4eea\u623f\u4ea7\u540e\uff0c\u7b7e\u8ba2\u8d2d\u623f\u5408\u540c\uff08\u901a\u5e38\u4f1a\u9644\u52a0\u201csubject to finance\u201d\u6761\u6b3e\uff0c\u5373\u8d37\u6b3e\u672a\u83b7\u6279\u53ef\u89e3\u9664\u5408\u540c\uff09\u3002<\/li>\n<li><strong>\u7533\u8bf7\u6b63\u5f0f\u8d37\u6b3e\uff08Full Application\uff09<\/strong>\uff1a\u63d0\u4ea4\u8be6\u7ec6\u8d44\u6599\uff08\u5305\u62ec\u9884\u6279\u65f6\u7684\u6587\u4ef6\u66f4\u65b0\u3001\u8d2d\u623f\u5408\u540c\u3001\u4f30\u4ef7\u62a5\u544a\u7b49\uff09\u3002\u94f6\u884c\u4f1a\u8fdb\u884c\u4fe1\u7528\u5ba1\u67e5\u548c\u623f\u4ea7\u4f30\u503c\u3002<\/li>\n<li><strong>\u8d37\u6b3e\u83b7\u6279\uff08Unconditional Approval\uff09<\/strong>\uff1a\u94f6\u884c\u53d1\u51fa\u6b63\u5f0f\u6279\u51c6\u4fe1\uff0c\u5e76\u51fa\u5177\u8d37\u6b3e\u5408\u540c\u3002<\/li>\n<li><strong>\u7b7e\u7f72\u5408\u540c\u4e0e\u8fc7\u6237<\/strong>\uff1a\u4f60\u9700\u8981\u4e0e\u94f6\u884c\u7b7e\u7f72\u8d37\u6b3e\u6587\u4ef6\uff0c\u540c\u65f6\u7531\u5f8b\u5e08\/\u8fc7\u6237\u5e08\u529e\u7406\u623f\u4ea7\u8fc7\u6237\uff08Settlement\uff09\u3002\u901a\u5e38\u8d37\u6b3e\u91d1\u989d\u4f1a\u76f4\u63a5\u7531\u94f6\u884c\u652f\u4ed8\u7ed9\u5356\u65b9\u3002<\/li>\n<li><strong>\u5f00\u59cb\u8fd8\u6b3e<\/strong>\uff1a\u8fc7\u6237\u540e\u9996\u4e2a\u8fd8\u6b3e\u65e5\u5f00\u59cb\u6309\u6708\u8fd8\u8d37\u3002<\/li>\n<\/ol>\n<h3>\u95ee\u9898\u56db\uff1a\u4ec0\u4e48\u662f\u5bf9\u51b2\u8d26\u6237\uff1f\u503c\u5f97\u7528\u5417\uff1f<\/h3>\n<p>\u5bf9\u51b2\u8d26\u6237\uff08Offset Account\uff09\u662f\u4e00\u4e2a\u4e0e\u623f\u8d37\u5173\u8054\u7684\u4ea4\u6613\u8d26\u6237\uff0c\u8d26\u6237\u91cc\u7684\u4f59\u989d\u53ef\u4ee5\u62b5\u6d88\u8d37\u6b3e\u672c\u91d1\uff0c\u4ece\u800c\u51cf\u5c11\u5229\u606f\uff08\u6bd4\u5982\u4f60\u8d37\u6b3e50\u4e07\uff0c\u5bf9\u51b2\u8d26\u6237\u91cc\u5b58\u4e8610\u4e07\uff0c\u5219\u630940\u4e07\u8ba1\u7b97\u5229\u606f\uff09\u3002\u975e\u5e38\u63a8\u8350\uff0c\u5c24\u5176\u662f\u6d6e\u52a8\u5229\u7387\u8d37\u6b3e\uff0c\u56e0\u4e3a\u5b83\u80fd\u5927\u5927\u8282\u7701\u5229\u606f\u652f\u51fa\uff0c\u800c\u4e14\u8d44\u91d1\u53d6\u7528\u7075\u6d3b\u3002\u56fa\u5b9a\u5229\u7387\u8d37\u6b3e\u901a\u5e38\u4e0d\u80fd\u914d\u5957\u5bf9\u51b2\u8d26\u6237\uff0c\u4f46\u90e8\u5206\u94f6\u884c\u63d0\u4f9b\u201c\u62b5\u6d88\u201d\u529f\u80fd\u3002<\/p>\n<h3>\u95ee\u9898\u4e94\uff1a\u8d37\u6b3e\u53ef\u4ee5\u63d0\u524d\u8fd8\u6b3e\u5417\uff1f<\/h3>\n<p>\u6d6e\u52a8\u5229\u7387\u8d37\u6b3e\u6ca1\u6709\u63d0\u524d\u8fd8\u6b3e\u7f5a\u91d1\uff0c\u53ef\u4ee5\u968f\u65f6\u589e\u52a0\u8fd8\u6b3e\u989d\uff08\u901a\u5e38\u94f6\u884c\u5141\u8bb8\u989d\u5916\u8fd8\u6b3e\u5230\u4e00\u5b9a\u9650\u989d\uff09\u3002\u56fa\u5b9a\u5229\u7387\u8d37\u6b3e\u5728\u9501\u5b9a\u671f\u5185\u63d0\u524d\u8fd8\u6b3e\u901a\u5e38\u9700\u8981\u652f\u4ed8\u8fdd\u7ea6\u91d1\uff08Break Cost\uff09\uff0c\u91d1\u989d\u53ef\u80fd\u5f88\u9ad8\u3002\u56e0\u6b64\uff0c\u56fa\u5b9a\u5229\u7387\u8d37\u6b3e\u9002\u5408\u6536\u5165\u975e\u5e38\u7a33\u5b9a\u3001\u4e0d\u8ba1\u5212\u63d0\u524d\u8fd8\u6b3e\u7684\u501f\u6b3e\u4eba\u3002<\/p>\n<h2>Summarize<\/h2>\n<p>\u5728\u6fb3\u5927\u5229\u4e9a\u8d37\u6b3e\u4e70\u623f\u5e76\u975e\u9065\u4e0d\u53ef\u53ca\uff0c\u4f46\u9700\u8981\u63d0\u524d\u505a\u597d\u529f\u8bfe\u3002\u9996\u5148\u660e\u786e\u81ea\u5df1\u7684\u8eab\u4efd\u7c7b\u522b\uff08\u672c\u5730\u5c45\u6c11\u8fd8\u662f\u6d77\u5916\u4eba\u58eb\uff09\uff0c\u8ba1\u7b97\u597d\u9996\u4ed8\u548c\u6240\u6709\u9644\u52a0\u8d39\u7528\uff0c\u9009\u62e9\u9002\u5408\u81ea\u5df1\u7684\u8d37\u6b3e\u4ea7\u54c1\uff08\u6d6e\u52a8\u3001\u56fa\u5b9a\u6216\u7ec4\u5408\uff09\uff0c\u5e76\u51c6\u5907\u597d\u5145\u5206\u6536\u5165\u8bc1\u660e\u3002\u5f3a\u70c8\u5efa\u8bae\u627e\u4e00\u4f4d\u6301\u724c\u7684\u8d37\u6b3e\u7ecf\u7eaa\u4eba\uff08Mortgage Broker\uff09\u534f\u52a9\uff0c\u56e0\u4e3a\u4ed6\u4eec\u7684\u670d\u52a1\u901a\u5e38\u662f\u514d\u8d39\u7684\uff08\u94f6\u884c\u4ed8\u4f63\u91d1\uff09\uff0c\u800c\u4e14\u80fd\u5e2e\u4f60\u5bf9\u6bd4\u6570\u5341\u5bb6\u94f6\u884c\u7684\u4ea7\u54c1\uff0c\u63d0\u9ad8\u83b7\u6279\u7387\u3002\u540c\u65f6\u52a1\u5fc5\u6ce8\u610f\uff1a\u4e0d\u8981\u5728\u7533\u8bf7\u8d37\u6b3e\u671f\u95f4\u7533\u8bf7\u5176\u4ed6\u4fe1\u7528\u5361\u6216\u8f66\u8d37\uff0c\u907f\u514d\u8d1f\u503a\u7387\u8fc7\u9ad8\u5f71\u54cd\u5ba1\u6279\u3002\u6700\u540e\uff0c\u8d37\u6b3e\u83b7\u6279\u540e\u4e5f\u8981\u5408\u7406\u89c4\u5212\u8fd8\u6b3e\uff0c\u5584\u7528\u5bf9\u51b2\u8d26\u6237\u51cf\u5c11\u5229\u606f\u3002<\/p>\n<p>Thank you for your reading. I hope this article can help you understand<b>\u5728\u6fb3\u5927\u5229\u4e9a\u5982\u4f55\u8d37\u6b3e\u4e70\u623f<\/b>\uff0c\u65e0\u8bba\u662f\u9996\u6b21\u7f6e\u4e1a\u8fd8\u662f\u6295\u8d44\u7f6e\u4e1a\uff0c\u90fd\u80fd\u5fc3\u4e2d\u6709\u6570\uff0c\u987a\u5229\u5706\u68a6\u6fb3\u6d32\u3002\u5982\u679c\u60a8\u8fd8\u6709\u5176\u4ed6\u5173\u4e8e\u6fb3\u6d32\u79fb\u6c11\u3001\u7559\u5b66\u6216\u751f\u6d3b\u7684\u95ee\u9898\uff0c\u6b22\u8fce\u968f\u65f6\u54a8\u8be2\u6211\uff01<\/p>\n<p>Please indicate the source of any reprint:<a href=\"https:\/\/au0061.com\/en\">AU6001.COM \u2013 Australia Chinese Encyclopedia<\/a> \u00bb <a href=\"https:\/\/au0061.com\/en\/%e5%9c%a8%e6%be%b3%e5%a4%a7%e5%88%a9%e4%ba%9a%e5%a6%82%e4%bd%95%e8%b4%b7%e6%ac%be%e4%b9%b0%e6%88%bf%ef%bc%9f%e8%b6%85%e5%85%a8%e6%8c%87%e5%8d%97%ef%bc%81%e5%b0%8f%e7%99%bd%e4%b9%9f%e8%83%bd%e8%bd%bb\/\">How to get a mortgage in Australia? A comprehensive guide! Even beginners can easily get started.<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>\u5927\u5bb6\u597d\uff0c\u6211\u662f\u6fb3\u6d32\u767e\u79d1\u5c0f\u52a9\u624b\uff0c\u6700\u8fd1\u6709\u5c0f\u4f19\u4f34\u54a8\u8be2\u6211\u5173\u4e8e\u5728\u6fb3\u5927\u5229\u4e9a\u5982\u4f55\u8d37\u6b3e\u4e70\u623f\u7684\u95ee\u9898\uff0c\u73b0\u5728\u6211\u5c06\u76f8\u5173\u95ee\u9898\u8fdb\u884c\u603b\u7ed3\uff0c\u5e0c\u671b\u5bf9\u5404\u4f4d\u60f3\u4e86\u89e3\u7684\u5c0f\u4f19\u4f34\u6709\u6240\u5e2e\u52a9\u3002 \u5728\u6fb3\u5927\u5229\u4e9a\uff0c\u4e70\u623f\u8d37\u6b3e\u662f\u7edd\u5927\u591a\u6570\u4eba\u5b9e\u73b0\u7f6e\u4e1a\u68a6\u60f3\u7684\u5fc5\u7ecf &hellip;<\/p>","protected":false},"author":1,"featured_media":34687,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[766],"tags":[52897,2598,8795,36838,52898],"class_list":["post-34688","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-52897","tag-2598","tag-8795","tag-36838","tag-52898"],"_links":{"self":[{"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/posts\/34688","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/comments?post=34688"}],"version-history":[{"count":0,"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/posts\/34688\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/media\/34687"}],"wp:attachment":[{"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/media?parent=34688"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/categories?post=34688"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/tags?post=34688"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}