{"id":7352,"date":"2021-04-11T07:33:00","date_gmt":"2021-04-11T07:33:00","guid":{"rendered":"https:\/\/mandarin.abacusfinance.com.au\/?p=7352"},"modified":"2022-02-25T02:59:31","modified_gmt":"2022-02-25T02:59:31","slug":"%e5%85%bb%e8%80%81%e9%87%91%e5%8f%af%e4%bb%a5%e4%bd%9c%e4%b8%ba%e9%a6%96%e4%bb%98%e7%9a%84%e4%b8%80%e9%83%a8%e5%88%86%e5%90%97","status":"publish","type":"post","link":"https:\/\/cn.abacusfinance.com.au\/%e5%85%bb%e8%80%81%e9%87%91%e5%8f%af%e4%bb%a5%e4%bd%9c%e4%b8%ba%e9%a6%96%e4%bb%98%e7%9a%84%e4%b8%80%e9%83%a8%e5%88%86%e5%90%97\/","title":{"rendered":"\u517b\u8001\u91d1\u53ef\u4ee5\u4f5c\u4e3a\u6211\u9996\u6b21\u7f6e\u4e1a\u9996\u4ed8\u7684\u4e00\u90e8\u5206\u5417\uff1f"},"content":{"rendered":"\n<p id=\"\u5168\u6587\u5bfc\u89c8\">\u5168\u6587\u5bfc\u89c8\uff1a<\/p>\n\n\n\n<ul><li><a href=\"#what-to-know\">\u5728\u4f7f\u7528super\u7533\u8bf7\u4f4f\u623f\u8d37\u6b3e\u5b58\u6b3e\u524d\uff0c\u6211\u9700\u8981\u77e5\u9053\u4e9b\u4ec0\u4e48\uff1f<\/a><\/li><li><a href=\"#max-super\">\u6211\u53ef\u63d0\u53d6\u7684\u517b\u8001\u91d1\u6700\u5927\u989d\u5ea6\u662f\u591a\u5c11\uff1f<\/a><\/li><\/ul>\n\n\n\n<p><strong>\u5f88\u591a\u9996\u6b21\u7f6e\u4e1a\u4e70\u5bb6\u90fd\u4f1a\u6709\u5982\u4e0b\u56f0\u60d1\uff1a<\/strong><\/p>\n\n\n\n<ul><li>\u5373\u4f7f\u8d37\u4e86\u6b3e\uff0c\u9996\u4ed8\u4e5f\u51d1\u4e0d\u591f\uff0c\u600e\u4e48\u529e\uff1f<\/li><li>\u6839\u636e\u6211\u73b0\u5728\u7684\u6536\u5165\u6c34\u5e73\uff0c\u6211\u7684\u53ef\u8d37\u8d44\u91d1\u6709\u9650\uff0c\u600e\u4e48\u5b9e\u73b0\u4e70\u623f\u68a6\uff1f<\/li><li>\u653f\u5e9c\u5bf9\u9996\u6b21\u7f6e\u4e1a\u4e70\u5bb6\u8fd8\u6709\u4ec0\u4e48\u5176\u4ed6\u798f\u5229\u653f\u7b56\u5417\uff1f<\/li><li>\u5b58\u6b3e\u4e0d\u591f\uff0c\u8fd8\u6709\u4ec0\u4e48\u529e\u6cd5\u589e\u52a0\u5b58\u6b3e\u5417\uff1f<\/li><li>\u6bcf\u4e2a\u6708\u8fd8\u6b3e\u989d\u5ea6\u592a\u591a\uff0c\u8fd8\u4e0d\u8d77\u600e\u4e48\u529e\uff1f<\/li><li>\u2026\u2026<\/li><\/ul>\n\n\n\n<p>\u672c\u671f\uff0c\u534e\u745e\u91d1\u878d\u8ddf\u60a8\u804a\u4e00\u804a<strong>\u517b\u8001\u91d1<\/strong>\u7684\u8bdd\u9898\u3002\u4e5f\u8bb8\u4f60\u8fd8\u4e0d\u77e5\u9053\uff0c<strong>\u517b\u8001\u91d1\u4e5f\u53ef\u4ee5\u4f5c\u4e3a\u4e70\u623f\u5b58\u6b3e\u7684\u4e00\u90e8\u5206\uff01<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-25-\u4e0b\u53481.52.21-1024x684.png\" alt=\"\u517b\u8001\u91d1\u53ef\u4ee5\u4f5c\u4e3a\u7f6e\u4e1a\u9996\u4ed8\u7684\u4e00\u90e8\u5206\u5417\uff1f\" class=\"wp-image-9920\" srcset=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-25-\u4e0b\u53481.52.21-1024x684.png 1024w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-25-\u4e0b\u53481.52.21-300x200.png 300w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-25-\u4e0b\u53481.52.21.png 1204w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption>\u517b\u8001\u91d1\u53ef\u4ee5\u4f5c\u4e3a\u7f6e\u4e1a\u9996\u4ed8\u7684\u4e00\u90e8\u5206\u5417\uff1f<\/figcaption><\/figure>\n\n\n\n<p>\u63d0\u5230\u9996\u6b21\u7f6e\u4e1a\u8005\u798f\u5229\uff0c\u5bb9\u6613\u60f3\u5230\u7684\u662f\u9996\u6b21\u7f6e\u4e1a\u8005\u8865\u8d34\u3001\u9996\u6b21\u7f6e\u4e1a\u5370\u82b1\u7a0e\u51cf\u514d\u7b49\uff0c\u4f46\u5927\u5bb6\u5f80\u5f80\u4f1a\u5ffd\u7565\u6389\u8fd9\u4e2a<strong>\u201c\u8bde\u751f\u4e8e2017\u5e74\u7684\u9996\u6b21\u7f6e\u4e1a\u517b\u8001\u91d1\u5b58\u6b3e\u8ba1\u5212\u201d<\/strong><\/p>\n\n\n\n<p id=\"what-to-know\">\u5f53\u4f60\u6253\u7b97\u4e70\u623f\u65f6\uff0c\u4e3a\u4f4f\u623f\u8d37\u6b3e\u5b58\u6b3e\u4f1a\u589e\u52a0\u7ba1\u7406\u8d22\u52a1\u7684\u538b\u529b\uff0c\u5c24\u5176\u662f\u5f53\u4f60\u8981\u5e94\u4ed8\u5bb6\u5ead\u5f00\u652f\u548c\u5176\u4ed6\u503a\u52a1\u65f6\u3002\u597d\u6d88\u606f\u662f\uff0c\u8bb8\u591a\u8d37\u65b9\u8ba4\u4e3a\u63d0\u53d6\u517b\u8001\u91d1\u53ef\u4ee5\u89c6\u4f5c\u771f\u6b63\u7684\u50a8\u84c4\uff0c\u5e76\u5141\u8bb8\u501f\u6b3e\u4eba\u4f7f\u7528\u4f5c\u4e3a\u90e8\u5206\u4f4f\u623f\u8d37\u6b3e\u7684\u5b58\u6b3e\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u5728\u4f7f\u7528super\u7533\u8bf7\u4f4f\u623f\u8d37\u6b3e\u5b58\u6b3e\u524d-\u6211\u9700\u8981\u77e5\u9053\u4e9b\u4ec0\u4e48\">\u5728\u4f7f\u7528super\u7533\u8bf7\u4f4f\u623f\u8d37\u6b3e\u5b58\u6b3e\u524d\uff0c\u6211\u9700\u8981\u77e5\u9053\u4e9b\u4ec0\u4e48\uff1f<\/h2>\n\n\n\n<p>\u5982\u679c\u4f60\u6b63\u5728\u8003\u8651\u4f7f\u7528super\u4f5c\u4e3a\u62b5\u62bc\u5b58\u6b3e\uff0c\u9996\u6b21\u7f6e\u4e1a\u517b\u8001\u91d1(FHSS)\u8ba1\u5212\u53ef\u80fd\u662f\u4f60\u552f\u4e00\u7684\u9009\u62e9\uff0c\u5047\u8bbe\u4f60\u7684super fund\u5141\u8bb8\u63d0\u6b3e\u3002\u5728\u5927\u591a\u6570\u5176\u4ed6\u60c5\u51b5\u4e0b\uff0c\u6bd4\u5982\u4f7f\u7528super\u6765\u514b\u670d\u65b0\u51a0\u75c5\u6bd2\u5e26\u6765\u7684\u5f71\u54cd\u65f6\uff0c\u4f7f\u7528super\u4f5c\u4e3a\u4f4f\u623f\u8d37\u6b3e\u5b58\u6b3e\u53ef\u80fd\u88ab\u89c6\u4e3a\u975e\u6cd5\u4f7f\u7528super\u3002<\/p>\n\n\n\n<p>\u4f60\u8fd8\u5e94\u8be5\u8bb0\u4f4f\uff0c\u592a\u65e9\u63d0\u53d6\u517b\u8001\u91d1\u4f1a\u51cf\u5c11\u4f60\u9000\u4f11\u65f6\u53ef\u83b7\u5f97\u7684\u798f\u5229\u3002\u5373\u4f7f\u662fATO\u4e5f\u8ba4\u4e3a\uff0c\u5982\u679c\u4f60\u9762\u4e34\u5931\u53bb\u4f60\u7684\u623f\u5b50\u7684\u98ce\u9669\uff0c\u4f7f\u7528super\u652f\u4ed8\u62b5\u62bc\u8d37\u6b3e\u662f\u552f\u4e00\u53ef\u63a5\u53d7\u7684\u7406\u7531\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"678\" src=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-25-\u4e0b\u53481.53.34-1024x678.png\" alt=\"\u517b\u8001\u91d1\u53ef\u4ee5\u4f5c\u4e3a\u7f6e\u4e1a\u9996\u4ed8\u7684\u4e00\u90e8\u5206\u5417\uff1f\" class=\"wp-image-9922\" srcset=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-25-\u4e0b\u53481.53.34-1024x678.png 1024w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-25-\u4e0b\u53481.53.34-300x199.png 300w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-25-\u4e0b\u53481.53.34.png 1208w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption>\u517b\u8001\u91d1\u53ef\u4ee5\u4f5c\u4e3a\u7f6e\u4e1a\u9996\u4ed8\u7684\u4e00\u90e8\u5206\u5417\uff1f<\/figcaption><\/figure>\n\n\n\n<p>\u60a8\u5e94\u8be5\u8bb0\u4f4f\uff0c\u60a8\u901a\u8fc7FHSS\u8ba1\u5212\u83b7\u5f97\u7684super\u662f\u4e00\u4e2a\u6709\u9650\u7684\u91d1\u989d\uff0c\u76f8\u5f53\u4e8e\u60a8\u81ea\u613f\u8d21\u732e\u7684super\u3002\u8fd9\u5e76\u4e0d\u5305\u62ec\u4f60\u7684\u914d\u5076\u6216\u96c7\u4e3b\u4e3a\u4f60\u6240\u505a\u7684\u8d21\u732e\u3002\u8be5\u8ba1\u5212\u53ea\u9002\u7528\u4e8e\u90a3\u4e9b\u8d2d\u4e70\u7b2c\u4e00\u5957\u4f4f\u623f\u5e76\u8ba1\u5212\u5c45\u4f4f\u7684\u4eba\uff0c<strong>\u6240\u4ee5\u5982\u679c\u4f60\u8d2d\u4e70\u623f\u4ea7\u4f5c\u4e3a\u6295\u8d44\uff0c\u5219\u4e0d\u9002\u7528<\/strong>\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u7533\u8bf7FHSS\u8ba1\u5212\uff0c\u60a8\u9700\u8981\u9996\u5148\u4eceATO\u83b7\u5f97FHSS\u7684\u51b3\u5b9a\uff0c\u7136\u540e\u60a8\u624d\u80fd\u63d0\u53d6\u60a8\u7684\u517b\u8001\u91d1\u6216\u7b7e\u7f72\u8d2d\u4e70\u60a8\u7684\u623f\u5b50\u7684\u5408\u540c\u3002\u5728\u7533\u8bf7FHSS\u8ba1\u5212\u4e4b\u524d\uff0c\u8bf7\u60a8\u8be6\u7ec6\u9605\u8bfbFHSS\u8ba1\u5212\u7684\u89c4\u5219\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u9996\u6b21\u7f6e\u4e1a\u517b\u8001\u91d1\u5b58\u6b3e\u8ba1\u5212-first-home-super-saver-scheme\"><strong>\u9996\u6b21\u7f6e\u4e1a\u517b\u8001\u91d1\u5b58\u6b3e\u8ba1\u5212\uff08First Home Super Saver Scheme\uff09<\/strong><\/h3>\n\n\n\n<p>\u5982\u679c\u60a8\u8ba4\u4e3a\u60a8\u7684\u517b\u8001\u91d1\u53ea\u80fd\u7528\u4e8e\u9000\u4f11\u751f\u6d3b, \u90a3\u4e48\u5c31\u9519\u4e86\uff0c\u56e0\u4e3a\u6fb3\u5dde\u653f\u5e9c\u4e3a\u51cf\u8f7b\u5c45\u6c11\u53ef\u8d1f\u62c5\u4f4f\u623f\u538b\u529b (housing affordability crisis)\uff0c\u57282017\u5e7412\u6708\u901a\u8fc7\u4e86\u4e00\u9879\u65b0\u653f\u8ba9\u60a8\u53ef\u4ee5\u63d0\u53d6\u81ea\u5df1\u7684\u517b\u8001\u91d1\u7528\u4e8e\u8d2d\u7f6e\u7b2c\u4e00\u5957\u623f\u3002\u53e6\u5916\uff0cDownsizer (\u6ce8\uff1a\u6307\u51fa\u552e\u539f\u6709\u5927\u4f4f\u5b85\uff0c\u8d2d\u4e70\u7cbe\u7b80\u578b\u623f\u4ea7\u7684\u4e70\u5bb6) \u53ef\u4ee5\u4e0d\u53d7\u8bb8\u591a\u5e38\u89c4\u9650\u5236\u5730\u5c06\u552e\u623f\u6536\u76ca\u4f9b\u8fdb\u5176\u517b\u8001\u91d1\u8d26\u6237\u3002<\/p>\n\n\n\n<p><br>\u6b64\u517b\u8001\u91d1\u65b0\u653f\u5df2\u4e8e2018\u5e747\u67081\u53f7\u5f00\u59cb\u6b63\u5f0f\u5b9e\u65bd\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"680\" src=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-25-\u4e0b\u53481.54.46-1024x680.png\" alt=\"\u517b\u8001\u91d1\u53ef\u4ee5\u4f5c\u4e3a\u7f6e\u4e1a\u9996\u4ed8\u7684\u4e00\u90e8\u5206\u5417\uff1f\" class=\"wp-image-9923\" srcset=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-25-\u4e0b\u53481.54.46-1024x680.png 1024w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-25-\u4e0b\u53481.54.46-300x199.png 300w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-25-\u4e0b\u53481.54.46.png 1112w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption>\u517b\u8001\u91d1\u53ef\u4ee5\u4f5c\u4e3a\u7f6e\u4e1a\u9996\u4ed8\u7684\u4e00\u90e8\u5206\u5417\uff1f<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u65b0\u653f\u6709\u54ea\u4e9b\u8981\u6c42\">\u65b0\u653f\u6709\u54ea\u4e9b\u8981\u6c42\uff1f<\/h3>\n\n\n\n<ul><li>18\u5468\u5c81\u4ee5\u4e0a\uff0c\u5728\u6fb3\u6d32\u4ece\u672a\u62e5\u6709\u623f\u4ea7\uff08\u5305\u62ec\u81ea\u4f4f\u623f\uff0c\u6295\u8d44\u623f\uff0c\u5546\u7528\u623f\u4ea7\u6216\u5408\u4e70\uff09<\/li><\/ul>\n\n\n\n<ul><li>\u8fc7\u5f80\u4ece\u672a\u8981\u6c42\u517b\u8001\u91d1\u91ca\u653e\u8fc7FHSS\u4f9b\u6b3e<\/li><\/ul>\n\n\n\n<ul><li>\u60a8\u7684\u517b\u8001\u91d1\u53ef\u4ee5\u63a5\u53d7FHSS\u4f9b\u6b3e<\/li><\/ul>\n\n\n\n<ul><li>\u81ea\u7ba1\u517b\u8001\u91d1\uff08Self-Management Super Fund\uff09\u9700\u786e\u4fdd\u4fe1\u6258\u5951\u7ea6( super deed)\u6709\u76f8\u5e94\u6761\u6b3e\u5141\u8bb8\u5176\u5728\u6b64\u653f\u7b56\u4e0b\u63d0\u6b3e<\/li><\/ul>\n\n\n\n<ul><li>FHSS\u4e0d\u80fd\u7528\u4e8e\u8d2d\u4e70\u8239\u5c4b\uff0c\u623f\u8f66\uff0c\u7a7a\u5730\uff0c\u4ee5\u53ca\u4efb\u4f55\u4e0d\u9002\u7528\u5c45\u4f4f\u7684\u5730\u65b9<\/li><\/ul>\n\n\n\n<p id=\"max-super\">\u4ece2017\u5e747\u67081\u53f7\u8d77\uff0c\u9996\u6b21\u7f6e\u4e1a\u8005\u53ef\u5bf9\u517b\u8001\u91d1\u8fdb\u884c\u81ea\u613f\u6027\u7684\u7a0e\u524d\u4f9b\u6b3e\uff08\u4f8b\u5982\u4e0e\u96c7\u4e3b\u534f\u8bae\u7684\u85aa\u91d1\u727a\u7272salary sacrifice\uff09\u6216\u7a0e\u540e\u4f9b\u6b3e\uff0c2018\u5e747\u67081\u53f7\u540e\u53ef\u4ee5\u53d6\u51fa\u3002\u6bcf\u4eba\u6bcf\u5e74\u4f9b\u6b3e\u4e0a\u9650$15,000\u6fb3\u5143\uff0c\u603b\u4e0a\u9650$30,000\u6fb3\u5143\u3002\u4f46\u662f\u8981\u6ce8\u610f\uff0c\u96c7\u4e3b\u652f\u4ed8\u7684\u5f3a\u5236\u4fdd\u969c\u517b\u8001\u91d1\uff08super guarantee\uff09\u662f\u4e0d\u5141\u8bb8\u88ab\u53d6\u51fa\u7684\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u6211\u53ef\u63d0\u53d6\u7684\u517b\u8001\u91d1\u6700\u5927\u989d\u5ea6\u662f\u591a\u5c11\">\u6211\u53ef\u63d0\u53d6\u7684\u517b\u8001\u91d1\u6700\u5927\u989d\u5ea6\u662f\u591a\u5c11\uff1f<\/h2>\n\n\n\n<p>\u5982\u679c\u4f60\u7b26\u5408\u5728FHSS\u8ba1\u5212\u4e0b\u63d0\u53d6\u517b\u8001\u91d1\u7684\u8d44\u683c\uff0c\u4f60\u53ef\u4ee5\u5728\u4e00\u4e2a\u8d22\u653f\u5e74\u5ea6\u63d0\u53d6\u6700\u591a15,000\u6fb3\u5143\u7684\u4e2a\u4ebasuper\u4f9b\u6b3e\u3002\u7136\u800c\uff0c\u5728\u6240\u6709\u8d22\u653f\u5e74\u5ea6\u4e2d\uff0c\u4f60\u4e0d\u80fd\u63d0\u53d6\u8d85\u8fc730,000\u6fb3\u5143\u7684\u517b\u8001\u91d1\u3002\u5373\u4f7f\u4f60\u628a\u6295\u8d44\u4f60\u7684\u517b\u8001\u91d1\u4f9b\u6b3e\u6240\u83b7\u5f97\u7684\u5229\u6da6\u8ba1\u7b97\u5728\u5185\uff0c\u8fd9\u7b14\u94b1\u4e5f\u53ef\u80fd\u4e0d\u8db3\u4ee5\u5b8c\u5168\u8986\u76d6\u4e00\u7b14\u4f4f\u623f\u8d37\u6b3e\u5b58\u6b3e\u3002<\/p>\n\n\n\n<p>\u4f8b\u5982\uff0c\u5982\u679c\u4f60\u7533\u8bf7\u4f4f\u623f\u8d37\u6b3e\uff0c\u8d2d\u4e70\u4ef7\u503c80\u4e07\u6fb3\u5e01\u7684\u623f\u5b50\uff0c\u8d37\u65b9\u53ef\u80fd\u4f1a\u8981\u6c42\u4f60\u652f\u4ed820%\u7684\u9996\u4ed8\u3002\u8fd9\u610f\u5473\u7740\u4f60\u9700\u898116\u4e07\u6fb3\u5e01\u4f5c\u4e3a\u9996\u4ed8\uff0c\u800c3\u4e07\u6fb3\u5e01\u4e0d\u5230\u8fd9\u4e00\u6570\u989d\u7684\u4e94\u5206\u4e4b\u4e00\u3002\u5373\u4f7f\u8d37\u65b9\u53ea\u8981\u6c425%\u7684\u5b9a\u91d1\uff0c\u4f60\u4e5f\u5fc5\u987b\u652f\u4ed84\u4e07\u6fb3\u5e01\uff0c\u8fd9\u610f\u5473\u7740\u4f60\u9700\u8981\u81ea\u638f\u8170\u5305\u652f\u4ed81\u4e07\u6fb3\u5e01\u3002\u8003\u8651\u5230\u8fd9\u4e00\u70b9\uff0c\u5728\u7533\u8bf7FHSS\u4e4b\u524d\uff0c\u4f60\u53ef\u4ee5\u5148\u8003\u8651\u4e00\u4e0b\u662f\u5426\u53ef\u4ee5\u83b7\u5f97\u5176\u4ed6\u8d44\u91d1\u6765\u6e90\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"675\" src=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-25-\u4e0b\u53481.55.40-1024x675.png\" alt=\"\u517b\u8001\u91d1\u53ef\u4ee5\u4f5c\u4e3a\u7f6e\u4e1a\u9996\u4ed8\u7684\u4e00\u90e8\u5206\u5417\uff1f\" class=\"wp-image-9924\" srcset=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-25-\u4e0b\u53481.55.40-1024x675.png 1024w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-25-\u4e0b\u53481.55.40-300x198.png 300w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-25-\u4e0b\u53481.55.40.png 1204w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption>\u517b\u8001\u91d1\u53ef\u4ee5\u4f5c\u4e3a\u7f6e\u4e1a\u9996\u4ed8\u7684\u4e00\u90e8\u5206\u5417\uff1f<\/figcaption><\/figure>\n\n\n\n<p>\u4f60\u8fd8\u5e94\u8be5\u54a8\u8be2\u76f8\u5173\u7684\u8d22\u52a1\u987e\u95ee\uff0c\u5e76\u8ba1\u7b97\u83b7\u5f97super\u7684\u4f4f\u623f\u8d37\u6b3e\u5b58\u6b3e\u5bf9\u4f60\u6700\u7ec8\u9000\u4f11\u6536\u5165\u7684\u5f71\u54cd\u3002\u867d\u71363\u4e07\u6fb3\u5143\u5bf9\u4e8e\u4eca\u5929\u7684\u5bb6\u5ead\u8d37\u6b3e\u5b58\u6b3e\u6765\u8bf4\u53ef\u80fd\u663e\u5f97\u4e0d\u591f\u91cd\u8981\uff0c\u4f46\u5728\u4f60\u7684\u5de5\u4f5c\u751f\u6daf\u4e2d\uff0c\u8fd9\u4e00\u6570\u989d\u7684\u9884\u671f\u6536\u5165\u53ef\u80fd\u662f\u53ef\u89c2\u7684\u3002\u4f60\u53ef\u80fd\u9700\u8981\u5728\u65e9\u70b9\u62e5\u6709\u4e00\u5957\u623f\u5b50\u548c\u4ee5\u8f83\u4f4e\u7684\u6536\u5165\u9000\u4f11\u4e4b\u95f4\u505a\u51fa\u9009\u62e9\u3002<\/p>\n\n\n\n<div class=\"wp-block-coblocks-hero alignfull has-text-color has-white-color coblocks-hero-321172117633\"><div class=\"wp-block-coblocks-hero__inner has-vivid-cyan-blue-background-color has-background hero-center-center-align has-padding has-large-padding has-vivid-cyan-blue-background-color has-center-content\" style=\"min-height:500px\"><div class=\"wp-block-coblocks-hero__content-wrapper\"><div class=\"wp-block-coblocks-hero__content\" style=\"max-width:560px\">\n<h2 class=\"has-white-color has-text-color wp-block-heading\" id=\"\u6709\u4efb\u4f55\u8d37\u6b3e\u9700\u6c42\">\u6709\u4efb\u4f55\u8d37\u6b3e\u9700\u6c42\uff1f<\/h2>\n\n\n\n<p class=\"has-white-color has-text-color\">\u65e0\u8bba\u60a8\u662f\u5546\u4e1a\u8d37\u6b3e\u3001\u4f4f\u623f\u8d37\u6b3e\u3001\u8f66\u8d37\u6216\u662f\u4e2a\u4eba\u8d37\u6b3e\uff0c\u6211\u4eec\u90fd\u53ef\u4ee5\u4e3a\u60a8\u63d0\u4f9b\u91cf\u8eab\u5b9a\u5236\u4e2a\u6027\u5316\u54a8\u8be2\u670d\u52a1\u3002<\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color\" href=\"https:\/\/cn.abacusfinance.com.au\/%e6%88%91%e4%bb%ac%e7%9a%84%e6%9c%8d%e5%8a%a1\/\" target=\"_blank\" rel=\"https:\/\/mandarin.abacusfinance.com.au\/loans\/ noopener\">\u8d37\u6b3e\u7c7b\u578b<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline\" id=\"loan-requirment\"><a class=\"wp-block-button__link has-white-color has-text-color\" href=\"https:\/\/cn.abacusfinance.com.au\/contact\/\" target=\"_blank\" rel=\"https:\/\/mandarin.abacusfinance.com.au\/contact\/ noopener\">\u8054\u7cfb\u6211\u4eec<\/a><\/div>\n<\/div>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-coblocks-accordion\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u6848\u4f8b\u5206\u6790\">\u6848\u4f8b\u5206\u6790<\/h3>\n\n\n\n<p>\u57282018\u8d22\u5e74\uff0cLucy \u5e74\u85aa\u4e3a$100,000, \u5979\u7684\u96c7\u4e3b\u652f\u4ed8\u7ed9\u5979$9,500 \u7684SG contributions (9.5% super guarantee)\u3002\u53e6\u5916\u5979\u4e0e\u96c7\u4e3b\u8fbe\u6210\u85aa\u91d1\u727a\u7272\u534f\u8bae\uff08salary sacrifice arrangement \uff09\uff0c\u6bcf\u6708\u4f9b\u6b3e\u5de5\u8d44\u4e2d\u7684$1,000 \u5230\u81ea\u5df1\u517b\u8001\u91d1\u8d26\u6237\u3002\u6240\u4ee5\u5979\u6bcf\u5e74\u4f9b\u6b3e $12,000 \u5230\u81ea\u7ba1\u517b\u8001\u91d1\uff08SMSF\uff09\u3002\u4e8e2018\u5e746\u670818\u65e5, Lucy \u53c8\u518d\u4f9b\u4e86 $5,000 Concessional Contribution\u5230\u5979\u7684\u81ea\u7ba1\u517b\u8001\u91d1\u5e76\u5728\u4e2a\u4eba\u5e74\u5ea6\u62a5\u7a0e\u4e2d\u7533\u8bf7\u4e86\u7a0e\u52a1\u62b5\u6263\u3002<\/p>\n\n\n\n<p><br>\u5979\u7684\u603b\u517b\u8001\u91d1\u4f9b\u6b3e\u4e3a:<\/p>\n\n\n\n<ul><li>SG Employer Contributions $9,500<\/li><li>\u85aa\u91d1\u727a\u7272\uff08Salary Sacrifice Contributions\uff09 $12,000<\/li><li>\u53ef\u62b5\u7a0e\u8d21\u732e\u91d1\uff08Concessional Contribution \uff09$5,000<\/li><li>\u603b\u8ba1 $26,500&nbsp;<\/li><\/ul>\n\n\n\n<p>\u53ea\u6709<strong>$12,000\u7684\u85aa\u91d1\u727a\u7272<\/strong>\u548c<strong>$5,000\u53ef\u62b5\u7a0e\u8d21\u732e\u91d1<\/strong>\u91cc\u7684\u5176\u4e2d$3,000 \u53ef\u4ee5\u4f5c\u4e3a\u603b\u8ba1\u6bcf\u5e74$15,000\u7684FHSS\u4f9b\u6b3e\u3002<\/p>\n\n\n\n<p>\u90a3\u5c31\u610f\u5473\u7740\uff0cLucy\u53ef\u4ee5\u7533\u8bf7\u91ca\u653e\u8fd9$15,000\u768485%\u4e5f\u5c31\u662f&nbsp;<strong>$12,750<\/strong>&nbsp;\u52a0\u4e0a\u63a8\u5b9a\u6536\u76ca\uff0c\u6765\u652f\u4ed8\u5979\u9996\u6b21\u7f6e\u4e1a\u7684\u5b9a\u91d1\u3002<\/p>\n\n\n\n<p><em>\uff08\u6848\u4f8b\u6765\u6e90\uff1a\u4f1a\u8ba1\u4e8b\u52a1\u6240\uff09<\/em><\/p>\n\n\n\n<p>\u5728\u4f17\u591a\u5229\u597d\u7684\u652f\u6491\u4e0b\uff0c\u66f4\u591a\u7684\u9996\u6b21\u7f6e\u4e1a\u5c06\u8fdb\u5165\u5e02\u573a\uff0c\u8fd9\u65e0\u7591\u4f1a\u4e3a\u623f\u5730\u4ea7\u5e02\u573a\u6ce8\u5165\u65b0\u7684\u52a8\u529b\u3002\u56e0\u4e3a\u6bcf\u4e2a\u8d37\u6b3e\u7533\u8bf7\u4eba\u7684\u60c5\u51b5\u5404\u4e0d\u76f8\u540c\uff0c\u66f4\u591a\u8be6\u7ec6\u4fe1\u606f\u8bf7\u4e0e\u6211\u4eec\u8054\u7cfb\uff0c<a href=\"https:\/\/www.facebook.com\/cn.abacusfinance.com.au\" target=\"_blank\" rel=\"noreferrer noopener\">\u534e\u745e\u91d1\u878d<\/a>\u4e13\u4e1a\u8d37\u6b3e\u7ecf\u7eaa\u4eba\u5c06\u4e3a\u60a8\u91cf\u8eab\u6253\u9020\u6700\u9002\u5408\u60a8\u7684\u8d37\u6b3e\u65b9\u6848\u3002<\/p>\n\n\n\n\t\t<div class=\"coblocks-form\" id=\"84a4e8e3840d285c491030444ceb5183f64de21b\">\n\n\t\t\t\n\t\t\t<form action=\"https:\/\/cn.abacusfinance.com.au\/%e5%85%bb%e8%80%81%e9%87%91%e5%8f%af%e4%bb%a5%e4%bd%9c%e4%b8%ba%e9%a6%96%e4%bb%98%e7%9a%84%e4%b8%80%e9%83%a8%e5%88%86%e5%90%97\/#84a4e8e3840d285c491030444ceb5183f64de21b\" method=\"post\">\n\t\t\t\t\n<div class=\"wp-block-coblocks-form\"><label class=\"coblocks-label\">Name <span class=\"required\">&#042;<\/span><\/label>\n\t\t<input type=\"hidden\" name=\"field-name[label]\" value=\"Name\">\n\n\t\t\t\t<input type=\"hidden\" id=\"name-field-id\" name=\"name-field-id\" class=\"coblocks-name-field-id\" value=\"field-name\" \/>\n\t\t\n\t\t<input type=\"text\" id=\"name\" name=\"field-name[value]\" class=\"coblocks-field coblocks-field--name\" required \/>\n\n\t\t\n\n<label class=\"coblocks-label\">Email <span class=\"required\">&#042;<\/span><\/label>\n\t\t<input type=\"hidden\" name=\"field-email[label]\" value=\"Email\">\n\n\t\t\n\t\t<input type=\"hidden\" id=\"email-field-id\" name=\"email-field-id\" class=\"coblocks-email-field-id\" value=\"field-email\" \/>\n\t\t<input type=\"email\" id=\"email\" aria-label=\"Email\" name=\"field-email[value]\" class=\"coblocks-field coblocks-field--email\" required \/>\n\n\t\t\n\n<label class=\"coblocks-label\">Message <span class=\"required\">&#042;<\/span><\/label>\n\t\t<input type=\"hidden\" name=\"field-message[label]\" value=\"Message\">\n\n\t\t\n\t\t<textarea name=\"field-message[value]\" aria-label=\"Message\" id=\"message\" class=\"coblocks-field coblocks-textarea\" rows=\"20\" required><\/textarea>\n\n\t\t\n\n\n\t\t<div class=\"coblocks-form__submit wp-block-button\">\n\t\t\t<button type=\"submit\" class=\"wp-block-button__link\" style=\"\">Contact Us<\/button>\n\t\t\t<input type=\"hidden\" id=\"form-submit\" name=\"form-submit\" value=\"4c027577e1\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/wp-json\/wp\/v2\/posts\/7352\" \/>\t\t\t<input type=\"hidden\" name=\"action\" value=\"coblocks-form-submit\">\n\n\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\t\t\t\t<input class=\"coblocks-field verify\" aria-label=\"Enter your email address to verify\" type=\"email\" name=\"coblocks-verify-email\" autocomplete=\"off\" placeholder=\"Email\" tabindex=\"-1\">\n\t\t\t\t<input type=\"hidden\" name=\"form-hash\" 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