{"id":9092,"date":"2021-07-19T01:05:00","date_gmt":"2021-07-19T01:05:00","guid":{"rendered":"https:\/\/cn.abacusfinance.com.au\/?p=9092"},"modified":"2022-02-17T00:11:25","modified_gmt":"2022-02-17T00:11:25","slug":"%e6%be%b3%e6%b4%b2%e4%b9%b0%e5%9c%b0%e5%bb%ba%e6%88%bf%e8%b4%b7%e6%ac%be","status":"publish","type":"post","link":"https:\/\/cn.abacusfinance.com.au\/%e6%be%b3%e6%b4%b2%e4%b9%b0%e5%9c%b0%e5%bb%ba%e6%88%bf%e8%b4%b7%e6%ac%be\/","title":{"rendered":"\u6fb3\u6d32\u8d37\u6b3e\u987b\u77e5\uff1a\u5728\u6fb3\u6d32\u4e70\u5730\u5efa\u623f\u8d37\u6b3e\u5fc5\u987b\u77e5\u9053\u7684\u4e8b\uff01"},"content":{"rendered":"\n<p id=\"\u5168\u6587\u5bfc\u89c8\">\u5168\u6587\u5bfc\u89c8\uff1a<\/p>\n\n\n\n<ul><li><a href=\"#why-buy-the-land\">\u4e70\u5730\u5efa\u623f\u4f18\u52bf<\/a><\/li><li><a href=\"#basic-process\">\u4e70\u5730\u5efa\u623f\u57fa\u672c\u6d41\u7a0b<\/a><\/li><li><a href=\"#loan-structure\">\u4e70\u5730\u5efa\u623f\u8d37\u6b3e\u7ed3\u6784<\/a><\/li><li><a href=\"#what-is-construction-loan\">\u4ec0\u4e48\u662f\u5efa\u623f\u8d37\u6b3e<\/a><\/li><li><a href=\"#payment-point\">\u5efa\u7b51\u8fdb\u5ea6\u4ed8\u6b3e\u8282\u70b9<\/a><\/li><li><a href=\"#approval-process\">\u5efa\u623f\u8d37\u6b3e\u5ba1\u6279\u6d41\u7a0b<\/a><\/li><\/ul>\n\n\n\n<p>\u5728\u6fb3\u6d32\u4e70\u5730\u5efa\u623f\u4e0d\u662f\u4e00\u4ef6\u7a00\u7f55\u4e8b\uff0c\u5f88\u591a\u501f\u6b3e\u4eba\u5728\u6b65\u5165\u4e00\u4e2a\u65b0\u7684\u9636\u6bb5\u540e\uff0c\u4f8b\u5982\u7ec4\u5efa\u5bb6\u5ead\uff0c\u8bde\u80b2\u5c0f\u5b69\uff0c\u4ea6\u6216\u8005\uff0c\u53ea\u662f\u60f3\u62e5\u6709\u4e00\u4e2a\u5927house\u3002\u8fd9\u4e2a\u65f6\u5019\uff0c\u501f\u6b3e\u4eba\u4f1a\u8003\u8651\u4e70\u5730\u5efa\u623f\u3002<\/p>\n\n\n\n<p>\u4eca\u5929\u534e\u745e\u91d1\u878d\u4e3a\u5927\u5bb6\u5e26\u6765\u6fb3\u6d32\u5efa\u623f\u8d37\u6b3e\u7684\u6ce8\u610f\u4e8b\u9879\u548c\u7ec6\u8282\u5168\u653b\u7565\u3002<\/p>\n\n\n\n<p>\u4ece2021\u5e74\u4f0a\u59cb\u5230\u73b0\u5728\uff0c\u623f\u4ef7\u5448\u4e0d\u65ad\u4e0a\u6da8\u7684\u52bf\u5934\u751a\u81f317\u5e74\u6765\u9996\u6b21\u51fa\u73b0\u5982\u6b64\u6da8\u5e45\u8fd9\u610f\u5473\u7740\u6fb3\u5927\u5229\u4e9a\u6b63\u5904\u4e8e\u201c\u623f\u5730\u4ea7\u7e41\u8363\u7684\u9876\u5cf0\u201d\u800c\u6fb3\u5927\u5229\u4e9a\u5404\u4e2a\u5730\u533a\uff0c\u4e70\u5730\u5efa\u623f\u52bf\u5934\u540c\u6837\u706b\u70ed\u3002\u4ee5\u6606\u5dde\u4e3a\u4f8b\u3002\u5efa\u623f\u91cf\u6bd4\u53bb\u5e744\u6708\u540c\u671f\u9ad8\u51fa60%\u3002<\/p>\n\n\n\n<h2 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id=\"why-buy-the-land\">\u76f8\u4fe1\u5f88\u591a\u4e70\u5bb6\u4f1a\u6709\u8fd9\u6837\u7684\u95ee\u9898\uff0c<strong>\u76f8\u6bd4\u76f4\u63a5\u4e70\u516c\u5bd3\u7684\u4fbf\u6377\u7701\u4e8b\uff0c\u4e3a\u4ec0\u4e48\u8981\u9009\u62e9\u4e70\u5730\u5efa\u623f\uff1f<\/strong><br><strong><\/strong><\/p>\n\n\n\n<p>\u4e70\u5730\u5efa\u623f\u5bf9\u4e70\u5bb6\u8fd8\u662f\u6709\u76f8\u5f53\u5438\u5f15\u529b\u7684\uff0c\u9664\u4e86\u571f\u5730\u662f\u6c38\u4e45\u4ea7\u6743\u5916\uff0c\u5ba4\u5185\u5916\u5927\u5927\u5c0f\u5c0f\u7684\u88c5\u4fee\u7528\u6599\u9009\u6750\u3001\u989c\u8272\u642d\u914d\u3001\u5c0f\u90e8\u5206\u683c\u5c40\u8c03\u6574\u7b49\u7b49\u90fd\u53ef\u4ee5\u4e0e\u5efa\u7b51\u5546\u63a2\u8ba8\u5546\u8bae\u3002<\/p>\n\n\n\n<p>\u9664\u6b64\u4e4b\u5916\uff0c\u8fd8\u6709\u2026\u2026\u8282\u7701\u5370\u82b1\u7a0e\uff01<\/p>\n\n\n\n<p>\u65e0\u8bba\u662f\u54ea\u4e00\u79cd\u65b9\u5f0f\uff0c\u5728\u6fb3\u5927\u5229\u4e9a\u4e70\u5730\u5efa\u623f\u90fd\u53ef\u4ee5\u4e3a\u4e70\u5bb6\u7701\u4e0b\u4e0d\u5c11\u7a0e\u8d39\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u4e3e\u4f8b\u8bf4\u660e\">\u4e3e\u4f8b\u8bf4\u660e<\/h3>\n\n\n\n<p>\u5982\u679c\u8d2d\u4e70\u4e00\u5957\u4ef7\u503c80\u4e07\u6fb3\u5e01\u7684\u516c\u5bd3\u623f\uff0c\u9700\u8981\u7f34\u7eb3\u7684<a href=\"https:\/\/www.realestate.com.au\/home-loans\/stamp-duty-calculator\" target=\"_blank\" rel=\"noreferrer noopener\">\u5370\u82b1\u7a0e<\/a>\u5927\u7ea6\u57283.2\u4e07\u6fb3\u5e01\uff1b\u5982\u679c\u8d2d\u4e70\u4e00\u680b100\u4e07\u6fb3\u5e01\u7684\u5168\u65b0house\uff0c\u9700\u8981\u7f34\u7eb3\u7684\u5370\u82b1\u7a0e\u5927\u7ea6\u57284\u4e07\u6fb3\u5e01\uff1b<br>\u5982\u679c\u9009\u62e9\u4e70\u5730\u5efa\u623f\uff0c\u5047\u8bbe\u571f\u5730\u4ef7\u503c\u4e3a50\u4e07\u6fb3\u5e01\uff0c\u623f\u5c4b\u9020\u4ef7\u4e3a50\u4e07\u6fb3\u5e01\uff0c\u4e70\u5bb6\u53ea\u9700\u652f\u4ed8\u571f\u5730\u4ef7\u503c\u90e8\u5206\u7684\u5370\u82b1\u7a0e\uff08\u5efa\u9020\u623f\u5c4b\u65e0\u9700\u7f34\u7eb3\u5370\u82b1\u7a0e\uff09\uff0c\u6240\u4ee5\u6700\u7ec8\u9700\u8981\u7f34\u7eb3\u7684<a href=\"https:\/\/www.realestate.com.au\/home-loans\/stamp-duty-calculator\" target=\"_blank\" rel=\"noreferrer noopener\">\u5370\u82b1\u7a0e<\/a>\u5927\u7ea6\u57282\u4e07\u6fb3\u5e01\u5de6\u53f3\u3002<\/p>\n\n\n\n<p>\u663e\u800c\u6613\u89c1\u53ef\u4ee5\u53d1\u73b0\uff0c\u4e70\u5730\u5efa\u623f\u9700\u8981\u7f34\u7eb3\u7684\u5370\u82b1\u7a0e\u8981\u8fdc\u4f4e\u4e8e\u8d2d\u4e70\u516c\u5bd3\u6216\u5168\u65b0house\uff0c\u8fd9\u80fd\u591f\u4e3a\u4e1a\u4e3b\u7701\u4e0b\u53ef\u89c2\u7684\u5370\u82b1\u7a0e\u8d39\u7528\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" 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package\u201d\uff0c\u5373\u5e2e\u60a8\u627e\u597d\u4e86\u5408\u9002\u7684\u5efa\u9020\u5546\uff0c\u548c\u571f\u5730\u4e00\u540c\u51fa\u552e\uff1b<\/p>\n\n\n\n<p>\u8fd8\u6709\u4e00\u79cd\u65b9\u5f0f\u662f\u6307\u8d2d\u4e70\u571f\u5730\u548c\u5efa\u9020\u623f\u5c4b\u5206\u5f00\uff0c\u501f\u6b3e\u4eba\u53ef\u81ea\u884c\u5bfb\u627e\u5408\u9002\u7684\u5efa\u9020\u5546\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"03-\u6fb3\u6d32\u4e70\u5730\u5efa\u623f\u8d37\u6b3e\u7ed3\u6784\">03 \u6fb3\u6d32\u4e70\u5730\u5efa\u623f\u8d37\u6b3e\u7ed3\u6784<\/h2>\n\n\n\n<p id=\"loan-structure\">\u548c\u4e00\u822c\u7684\u4e70\u516c\u5bd3\u623f\u6240\u501f\u7684\u4f4f\u623f\u8d37\u6b3e\u4e0d\u540c\u7684\u662f\uff0c\u4e70\u5730\u5efa\u623f\u6d89\u53ca\u4e24\u4efd\u5408\u540c\u3002\u4e00\u4efd\u662f\u571f\u5730\u51fa\u552e\u5408\u540c\uff0c\u53e6\u4e00\u4efd\u662f\u5efa\u623f\u5408\u540c\u3002\u5728\u5927\u591a\u6570\u60c5\u51b5\u4e0b\uff0c\u4e24\u4efd\u5408\u540c\u7684\u7b7e\u7ea6\u4e3b\u4f53\u4e0d\u540c\u3002<\/p>\n\n\n\n<ul><li>\u571f\u5730\u5408\u540c\u5356\u65b9\u2014\u2014\u5f00\u53d1\u5546\u6216\u623f\u4ea7\u4ee3\u7406\u4e2d\u4ecb<\/li><li>\u5efa\u623f\u5408\u540c\u5356\u65b9\u2014\u2014\u5efa\u7b51\u5546<\/li><\/ul>\n\n\n\n<p>\u4e70\u5730\u5408\u540c\u548c\u5efa\u623f\u5408\u540c\u90fd\u53ef\u4ee5\u7533\u8bf7\u94f6\u884c\u8d37\u6b3e\uff08\u8d37\u6b3e\u7c7b\u578b\u4e0d\u540c\uff0c\u540e\u9762\u4f1a\u7ec6\u8bb2\uff09\u3002\u9700\u8981\u7279\u522b\u63d0\u9192\u7684\u662f\uff0c\u4e70\u5bb6\u5fc5\u987b\u5728\u5efa\u623f\u4e4b\u524d\u5b8c\u6210\u571f\u5730\u7684\u4ea4\u4ed8\uff0c\u5373\u53d6\u5f97\u571f\u5730\u4ea7\u6743\u3002\u8fd9\u610f\u5473\u7740\u4ece\u571f\u5730\u4ea4\u4ed8\u5f00\u59cb\uff0c\u5305\u62ec\u5728\u6574\u4e2a\u5efa\u623f\u8fc7\u7a0b\u4e2d\u90fd\u8981\u652f\u4ed8\u571f\u5730\u8d37\u6b3e\u5229\u606f\uff0c\u8fd9\u662f\u571f\u5730\u6301\u6709\u6210\u672c\u3002\u4e00\u65e6\u5f00\u59cb\u52a8\u5de5\u5efa\u623f\uff0c\u5efa\u7b51\u5546\u4f1a\u548c\u94f6\u884c\u53ca\u5356\u5bb6\u8054\u7cfb\uff0c\u6839\u636e\u4e0d\u540c\u7684\u65bd\u5de5\u8282\u70b9\u5b89\u6392\u652f\u4ed8\u5efa\u7b51\u8fdb\u5ea6\u6b3e\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"04-\u4ec0\u4e48\u662f\u5efa\u623f\u8d37\u6b3e\">04 \u4ec0\u4e48\u662f<a href=\"https:\/\/www.nab.com.au\/personal\/life-moments\/home-property\/renovate\/construction-loan\" target=\"_blank\" rel=\"noreferrer noopener\">\u5efa\u623f\u8d37\u6b3e<\/a><\/h2>\n\n\n\n<p id=\"what-is-construction-loan\">\u5efa\u623f\u8d37\u6b3e\uff08Construction Loan\uff09\u662f\u4e3a\u5efa\u9020\u623f\u5c4b\u6216\u8fdb\u884c\u91cd\u5927\u88c5\u4fee\u7684\u4eba\u8bbe\u8ba1\u7684\u4e00\u79cd\u8d37\u6b3e\uff0c\u800c\u4e0d\u662f\u8d2d\u4e70\u65e2\u6709\u623f\u4ea7\u3002\u5b83\u7684\u8d37\u6b3e\u7ed3\u6784\u4e0e\u4e3a\u8d2d\u4e70\u73b0\u6709\u623f\u5c4b\u7684\u4eba\u8bbe\u8ba1\u7684\u623f\u5c4b\u8d37\u6b3e\u4e0d\u540c\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"383\" src=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-17-\u4e0a\u534811.06.54-1024x383.png\" alt=\"\u6fb3\u6d32\u4e70\u5730\u5efa\u623f\u8d37\u6b3e\" class=\"wp-image-9811\" srcset=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-17-\u4e0a\u534811.06.54-1024x383.png 1024w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-17-\u4e0a\u534811.06.54-300x112.png 300w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-17-\u4e0a\u534811.06.54.png 1028w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption>\u6fb3\u6d32\u4e70\u5730\u5efa\u623f\u8d37\u6b3e<\/figcaption><\/figure>\n\n\n\n<p>\u5efa\u7b51\u8d37\u6b3e\u6700\u5e38\u89c1\u7684\u662f\u6e10\u8fdb\u5f0f\u4ed8\u6b3e\u3002\u4e5f\u5c31\u662f\u8bf4\uff0c\u60a8\u5728\u65bd\u5de5\u7684\u5404\u4e2a\u9636\u6bb5\u90fd\u4f1a\u6536\u5230\u8d37\u6b3e\u91d1\u989d\u7684\u5206\u671f\u4ed8\u6b3e\uff0c\u800c\u4e0d\u662f\u4e00\u5f00\u59cb\u5c31\u4e00\u6b21\u6027\u6536\u5230\u3002\u60a8\u4e00\u822c\u53ea\u9700\u652f\u4ed8\u88ab\u63d0\u53d6\u7684\u91d1\u989d\u7684\u5229\u606f\uff0c\u800c\u4e0d\u662f\u6574\u4e2a\u8d37\u6b3e\u91d1\u989d\u7684\u5229\u606f\u3002<br>\u4e00\u4e9b\u8d37\u65b9\u63d0\u4f9b\u7684\u5efa\u7b51\u8d37\u6b3e\uff0c\u5728\u65bd\u5de5\u671f\u95f4\u53ea\u4ed8\u5229\u606f\uff0c\u7136\u540e\u6062\u590d\u5230\u6807\u51c6\u7684\u672c\u606f\u8d37\u6b3e\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"05-\u5efa\u7b51\u8fdb\u5ea6\u4ed8\u6b3e\u8282\u70b9\">05 \u5efa\u7b51\u8fdb\u5ea6\u4ed8\u6b3e\u8282\u70b9<\/h2>\n\n\n\n<p id=\"payment-point\">\u548c\u4e00\u822c\u4f4f\u623f\u8d37\u6b3e\u4e0d\u540c\u7684\u662f\uff0c\u5efa\u623f\u8d37\u6b3e\u7684\u4ed8\u6b3e\u662f\u5206\u9636\u6bb5\u8fdb\u884c\u7684\u3002<\/p>\n\n\n\n<p>\u5728\u5f00\u59cb\u5efa\u9020\u5de5\u7a0b\u524d\uff0c\u7b2c\u4e00\u6b65\u5fc5\u987b\u8981\u505a\u7684\u5c31\u662f\u7b7e\u8ba2\u5408\u540c\uff0c\u4ee5\u53ca\u652f\u4ed8\u5efa\u9020\u8d39\u7528<strong>10%<\/strong>\u7684\u5b9a\u91d1\u3002<\/p>\n\n\n\n<p><strong>01<\/strong><strong>\u5730\u57fa\u90e8\u5206<\/strong><\/p>\n\n\n\n<p>\u8fd9\u90e8\u5206\u501f\u6b3e\u4eba\u9700\u652f\u4ed8<strong>20%<\/strong>\u7684\u5efa\u9020\u8d39\u7528<\/p>\n\n\n\n<p><strong>02\u6846\u67b6\u5efa\u7b51\u7ed3\u6784<\/strong><\/p>\n\n\n\n<p>\u8fd9\u90e8\u5206\u501f\u6b3e\u4eba\u9700\u652f\u4ed8<strong>20%<\/strong>\u7684\u5efa\u9020\u8d39\u7528<\/p>\n\n\n\n<p><strong>03\u7816\u74e6\u5de5\u7a0b<\/strong><\/p>\n\n\n\n<p>\u8fd9\u90e8\u5206\u501f\u6b3e\u4eba\u9700\u652f\u4ed8<strong>20%<\/strong>\u7684\u5efa\u9020\u8d39\u7528<\/p>\n\n\n\n<p><strong>04\u623f\u5c4b\u5185\u90e8\u5de5\u7a0b<\/strong><\/p>\n\n\n\n<p>\u8fd9\u90e8\u5206\u501f\u6b3e\u4eba\u9700\u652f\u4ed8<strong>20%<\/strong>\u7684\u5efa\u9020\u8d39\u7528<\/p>\n\n\n\n<p>\u6700\u540e\u4e00\u6b65\uff0c\u5728<strong>\u5b8c\u6210\u4ea4\u4ed8\u9636\u6bb5<\/strong>\uff0c\u501f\u6b3e\u4eba\u9700\u8981\u652f\u4ed8\u5269\u4f59\u7684<strong>10%<\/strong>\u5efa\u9020\u8d39\u7528\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u8865\u5145\u8bf4\u660e\u4e00\u4e0b\uff0c\u4e0d\u540c\u5efa\u9020\u5546\u7684\u5efa\u7b51\u8fdb\u5ea6\u8282\u70b9\u89c4\u8303\u548c\u6bd4\u91cd\u90fd\u6709\u6240\u4e0d\u540c\uff0c\u5177\u4f53\u4ee5\u5b9e\u9645\u5efa\u9020\u5546\u8981\u6c42\u4e3a\u4e3b\uff0c\u8fd9\u91cc\u4ec5\u4f9b\u53c2\u8003\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"06-\u5efa\u623f\u8d37\u6b3e\u5ba1\u6279\u6d41\u7a0b\">06 \u5efa\u623f\u8d37\u6b3e\u5ba1\u6279\u6d41\u7a0b<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"442\" src=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2021\/08\/\u622a\u5c4f2021-08-24-\u4e0a\u534810.59.56-1024x442.png\" alt=\"\u6fb3\u6d32\u4e70\u5730\u5efa\u623f\u8d37\u6b3e\" class=\"wp-image-9162\" srcset=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2021\/08\/\u622a\u5c4f2021-08-24-\u4e0a\u534810.59.56-1024x442.png 1024w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2021\/08\/\u622a\u5c4f2021-08-24-\u4e0a\u534810.59.56-300x130.png 300w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2021\/08\/\u622a\u5c4f2021-08-24-\u4e0a\u534810.59.56.png 1070w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption>\u6fb3\u6d32\u4e70\u5730\u5efa\u623f\u8d37\u6b3e<\/figcaption><\/figure>\n\n\n\n<p id=\"approval-process\">\u9996\u5148\uff0c\u9012\u4ea4\u8d37\u6b3e\u7533\u8bf7\u65f6\uff0c\u94f6\u884c\u4f1a\u9700\u8981\u60a8\u63d0\u4f9b\u4e00\u4efd\u5efa\u7b51\u5408\u540c\/\u9020\u4ef7\u5355\u548c\u8bbe\u8ba1\u65b9\u6848\uff0c\u94f6\u884c\u7684\u4f30\u4ef7\u5e08\u4f1a\u5bf9\u5efa\u7b51\u5408\u540c\u53c2\u8003\u9020\u4ef7\u5355\u5bf9\u672a\u6765\u5b8c\u5de5\u7684\u623f\u5b50\u505a\u4e00\u4e2a\u8bc4\u4f30\uff0c\u6700\u7ec8\u7684\u501f\u6b3e\u989d\u5ea6\uff0c\u571f\u5730\u52a0\u5efa\u7b51\u6210\u672c\u548c\u6574\u4f53\u5b8c\u5de5\u540e\u7684\u4ef7\u503c\u53d6\u5176\u4e2d\u8f83\u4f4e\u7684\u63d0\u4f9b\u8d37\u6b3e\u989d\u5ea6\u3002\uff08\u4e5f\u5c31\u662f\u8bf4\u5982\u679c\u8bc4\u4f30\u7684\u4f30\u4ef7\u4f4e\u4e8e\u5408\u540c\u4ef7\u683c\uff0c\u94f6\u884c\u5c06\u53d6\u8f83\u4f4e\u7684\u63d0\u4f9b\u5bf9\u5e94\u7684\u8d37\u6b3e\u989d\u5ea6\uff09<\/p>\n\n\n\n<p><br>\u7136\u540e\uff0c\u8d37\u6b3e\u6279\u51c6\u540e\u94f6\u884c\u4f1a\u5bc4\u9001\u8d37\u6b3e\u5408\u540c\u6587\u4ef6\uff0c\u501f\u6b3e\u4eba\u7b7e\u5b57\u539f\u4ef6\u8fd8\u56de\u94f6\u884c\uff0c\u548c\u6b63\u5e38\u7684\u623f\u5c4b\u8d37\u6b3e\u4e00\u6837\u7684\u6d41\u7a0b\u3002\u53e6\u5916\uff0c\u65bd\u5de5\u65b9\uff08builder\uff09\u5728\u83b7\u5f97\u94f6\u884c\u6bcf\u7b14\u4ed8\u6b3e\u524d\uff0c\u8fd8\u9700\u8981\u63d0\u4f9b\u5176\u4ed6\u76f8\u5173\u6587\u4ef6\uff0c\u6bd4\u5982\u5e02\u653f\u5385\u6700\u7ec8\u7684\u65b9\u6848\u6279\u6587\u3001builder \u7684\u4fdd\u9669\u548c\u65bd\u5de5\u4ed8\u6b3e\u7684\u8fdb\u5ea6\u8868\uff08drawdown schedule\uff09\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u6574\u4e2a\u6d41\u7a0b\u600e\u6837\u94f6\u884c\u4f1a\u76f4\u63a5\u6279\u51c6\u8d37\u6b3e\u5462\">\u6574\u4e2a\u6d41\u7a0b\u600e\u6837\u94f6\u884c\u4f1a\u76f4\u63a5\u6279\u51c6\u8d37\u6b3e\u5462\uff1f<\/h3>\n\n\n\n<ol><li>Builder \u5411\u60a8\u51fa\u5177\u76f8\u5173\u53d1\u7968\uff08Invoice\uff09<\/li><li>\u7531\u60a8\u586b\u5199\u94f6\u884c\u63d0\u4f9b\u7684\u65bd\u5de5\u8fdb\u5ea6\u4ed8\u6b3e\u7533\u8bf7\u76f8\u5173\u6587\u4ef6\uff08\u94f6\u884c\u4f1a\u63d0\u4f9b\uff0c\u6216\u76f4\u63a5\u5728 Invoice \u4e0a\u586b\u5199\u6388\u6743\u94f6\u884c\u652f\u4ed8\uff09<\/li><li>\u5c06\u53d1\u7968\u548c drawdown \u7533\u8bf7\u7684\u8868\u683c\u53d1\u9001\u7ed9\u94f6\u884c\u5efa\u7b51\u8d37\u6b3e\u90e8\u95e8<\/li><li>\u94f6\u884c\u53ef\u80fd\u5728\u7b2c\u4e00\u9636\u6bb5\u548c\u6700\u540e\u9636\u6bb5\u4f1a\u5b89\u6392\u4f30\u4ef7\u5e08\u5bf9\u5df2\u5b8c\u5de5\u7684\u623f\u5b50\u505a\u8bc4\u4f30<\/li><li>\u901a\u5e38\u6ca1\u6709\u95ee\u9898\u7684\u60c5\u51b5\u4e0b\uff0c\u94f6\u884c\u4f1a\u5728 3-5 \u4e2a\u5de5\u4f5c\u65e5\u5c06\u5efa\u7b51\u6b3e\u53d1\u81f3 Builder \u8d26\u6237<\/li><li>\u91cd\u590d\u4ee5\u4e0a\u7684\u7a0b\u5e8f\uff0c\u76f4\u5230\u6700\u540e Final payment\u3002\u901a\u5e38 Lock up \u9636\u6bb5\u94f6\u884c\u4f1a\u8981\u6c42\u4f30\u4ef7\u5e08\u505a\u8bc4\u4f30\uff0c\u6709\u4e9b\u94f6\u884c\u4f1a\u8981\u6c42\u63d0\u4f9b\u5165\u4f4f\u8bb8\u53ef\uff08occupation certificate\uff09\u548c\u623f\u5c4b\u4fdd\u9669\uff08building insurance\uff09\u624d\u4f1a release \u6700\u540e\u4e00\u7b14 10% \u5efa\u7b51\u6b3e\u3002<\/li><\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"07-\u5efa\u623f\u8d37\u6b3e\u6ce8\u610f\u4e8b\u9879\">07 \u5efa\u623f\u8d37\u6b3e\u6ce8\u610f\u4e8b\u9879<\/h2>\n\n\n\n<p>\uff081\uff09\u5efa\u8bae\u5728\u51b3\u5b9a\u8d2d\u623f\u540e\uff0c\u5c3d\u65e9\u5f00\u59cb\u4e3a\u4f60\u7684\u8d37\u6b3e\u8ba1\u5212\u8fdb\u884c\u76f8\u5173\u54a8\u8be2\u4e0e\u6750\u6599\u51c6\u5907\uff0c\u5f88\u591a\u623f\u5c4b\u5efa\u9020\u88ab\u5ef6\u671f\u90fd\u662f\u56e0\u4e3a\u8d37\u6b3e\u7533\u8bf7\u6216\u8005\u5ba1\u6838\u51fa\u73b0\u4e86\u8fd9\u6837\u90a3\u6837\u7684\u95ee\u9898\u3002<\/p>\n\n\n\n<p>\uff082\uff09\u786e\u4fdd\u4f60\u5728\u7b7e\u8ba2\u5efa\u9020\u5408\u540c\u65f6\u7684\uff0c\u5c06\u9884\u652f\u6b3e\uff08Provisional Allowances\uff09\u5305\u542b\u5728\u6240\u6709\u6b3e\u9879\u4e4b\u5185\u3002<br>\u9884\u652f\u6b3e\u662f\u5728\u623f\u5c4b\u5efa\u9020\u8d39\u7528\u4ee5\u5916\uff0c\u8d2d\u623f\u8005\u7528\u4e8e\u5efa\u9020\u8fc7\u7a0b\u4e2d\u9009\u62e9\u989d\u5916\u5347\u7ea7\u9879\u76ee\u6216\u5176\u4ed6\u4e34\u65f6\u5f00\u9500\u7684\u63d0\u524d\u652f\u4ed8\u6b3e\u9879\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"637\" src=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2021\/08\/\u622a\u5c4f2021-08-24-\u4e0a\u534811.02.33-1024x637.png\" alt=\"\u6fb3\u6d32\u4e70\u5730\u5efa\u623f\u8d37\u6b3e\" class=\"wp-image-9163\" srcset=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2021\/08\/\u622a\u5c4f2021-08-24-\u4e0a\u534811.02.33-1024x637.png 1024w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2021\/08\/\u622a\u5c4f2021-08-24-\u4e0a\u534811.02.33-300x187.png 300w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2021\/08\/\u622a\u5c4f2021-08-24-\u4e0a\u534811.02.33.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption>\u6fb3\u6d32\u4e70\u5730\u5efa\u623f\u8d37\u6b3e<\/figcaption><\/figure>\n\n\n\n<p>\uff083\uff09\u5728\u7533\u8bf7\u8d37\u6b3e\u65f6\uff0c\u8bb0\u5f97\u5411\u4f60\u7684\u8d37\u6b3e\u673a\u6784\u63d0\u4f9b\u4e00\u4efd\u4f60\u7684\u5b8c\u6574\u5408\u540c\u53ca\u4f60\u9009\u62e9\u7684\u5185\u9970\u3001\u5347\u7ea7\u9879\u76ee\u7684\u9884\u7b97\u6e05\u5355\uff0c\u4ece\u800c\u8ba9\u673a\u6784\u80fd\u591f\u51c6\u786e\u8ba1\u7b97\u4f60\u6240\u9700\u8981\u8d37\u6b3e\u7684\u989d\u5ea6\u3002<\/p>\n\n\n\n<p>\uff084\uff09\u4e3b\u52a8\u4e0e\u8d37\u6b3e\u4e2d\u4ecb\u6216\u8d37\u6b3e\u673a\u6784\u7b7e\u8ba2\u5408\u540c\uff0c\u4e0d\u8981\u7b49\u5230\u4ed6\u4eec\u6765\u4e3b\u52a8\u627e\u5230\u4f60\u3002\u8d37\u6b3e\u5229\u7387\u968f\u65f6\u90fd\u5728\u53d8\u5316\uff0c\u597d\u7684\u5229\u7387\u4e5f\u8bb8\u8f6c\u77ac\u5373\u901d\u3002<\/p>\n\n\n\n<p>\u534e\u745e\u91d1\u878d\u8fd1\u671f\u5c11\u6587\u4ef6\u5efa\u7b51\u8d37\u6b3e\u4ea7\u54c1\u63a8\u8350\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"286\" src=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-17-\u4e0a\u534811.09.47-1024x286.png\" alt=\"\u534e\u745e\u91d1\u878d\u5c11\u6587\u4ef6\u5efa\u7b51\u8d37\u6b3e\u4ea7\u54c1\" class=\"wp-image-9812\" srcset=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-17-\u4e0a\u534811.09.47-1024x286.png 1024w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-17-\u4e0a\u534811.09.47-300x84.png 300w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-17-\u4e0a\u534811.09.47.png 1216w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" 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