Quick answer: what's different for newcomers 快速解答：新移民有什么不同
Most "first home buyer" content online is written for people who've lived in Australia their whole lives. It quietly assumes you already have an Australian credit history, that "first home" obviously means your first home anywhere, and that your family's money is all in Australian banks already. None of that applies if you've recently arrived — so here's what genuinely changes. 网络上大多数"首次置业者"内容都是为在澳洲生活了一辈子的人写的。这些内容默默假设您已经拥有澳洲信用记录，"首次置业"显然指您在任何地方的第一套房产，且您家庭的资金都已经在澳洲银行账户中。如果您是新移民，这些假设都不适用——以下是真正会有所不同的地方。
| Your situation您的情况 | What it means意味着什么 |
|---|---|
| Australian citizen, never owned property anywhere澳洲公民，从未在任何地方拥有房产 | Full access to state stamp duty concessions, the 5% Deposit Scheme, and the FHOG where applicable.可全面享受州印花税优惠、5%首付计划及适用的首置补助金。 |
| Permanent resident, never owned property anywhere永久居民，从未在任何地方拥有房产 | Same access as a citizen for the 5% Deposit Scheme and most state concessions.在5%首付计划及大多数州优惠方面，享有与公民相同的资格。 |
| PR or citizen, but own a share of property overseas永久居民或公民，但在海外拥有房产份额 | May be disqualified — most state tests are global, not Australia-only. See the Eligibility tab below.可能被取消资格——大多数州的测试标准是全球性的，不仅限于澳洲。详见下方"资格"标签。 |
| Temporary visa holder临时签证持有人 | Not eligible for the 5% Deposit Scheme. May still access state stamp duty concessions — these are state-level, not tied to the federal scheme. Check FIRB rules separately.不符合5%首付计划资格。仍可能符合州级印花税优惠——这些是州级政策，与联邦计划无关。请另行查看FIRB规则。 |
Eligibility, the 5% Deposit Scheme, and state grants 资格、5%首付计划及州补助金
The "never owned property anywhere in the world" trap"从未在世界任何地方拥有房产"陷阱
This surfaces in genuinely painful ways: someone who co-inherited a small fraction of a family apartment back home decades ago, and hasn't thought about it in years, can discover during the application process that this technically disqualifies them. Someone whose name was added to a parent's overseas property for reasons that had nothing to do with intending to live there finds the same problem. The schemes generally don't care about intent, equity share, or whether you've ever set foot in the property — ownership is usually about whether your name is on a title document anywhere in the world, full stop. 这种情况会带来真正令人困扰的后果：有人几十年前与家人共同继承了海外一小部分公寓产权，多年来从未想过这件事，却在申请过程中发现自己技术上已被取消资格。有人的名字曾因与居住意图无关的原因被加入海外父母的房产中，也会遇到同样的问题。这些计划通常不考虑意图、权益比例，或您是否曾踏足该房产——所有权的判定通常只看您的名字是否出现在世界任何地方的产权文件上，仅此而已。
If there's any property anywhere that carries your name in any capacity, check the specific state scheme's definition of "owned" before assuming eligibility. This is a five-minute conversation with a conveyancer or broker that can prevent a far more expensive surprise discovered after exchange. 如果您在任何地方以任何形式持有房产权益，请在假设自己符合资格之前，先查清楚相关州对"拥有"的具体定义。这只需要与产权过户师或经纪人花五分钟沟通，却能避免交换合同后才发现的更昂贵的意外。
Building an Australian credit file from zero从零开始建立澳洲信用记录
A separate issue from eligibility, but just as important: Australia's credit bureaus (Equifax, illion, Experian) build your file from local activity only. A spotless 15-year credit history in your home country means nothing to an Australian lender's systems — there's currently no mechanism to import it. Opening a phone plan and one starter credit card in your own name, used lightly and paid off in full, is the fastest way to start building a file lenders can actually assess. 这是一个与资格无关、但同样重要的问题：澳洲的信用机构（Equifax、illion、Experian）仅根据本地活动建立您的信用记录。即使您在原籍国拥有完美的15年信用记录，对澳洲贷款机构的系统而言也毫无意义——目前没有任何机制可以导入海外信用记录。以自己的名义开通一份手机套餐和一张入门级信用卡，适度使用并按时全额还款，是开始建立贷款机构能够实际评估的信用记录的最快方式。
PR vs. citizen vs. temporary visa — what actually changes永久居民vs公民vs临时签证——实际有何不同
- Australian citizens澳洲公民 — full access to every scheme covered on this page, subject to the global ownership test above.可全面享受本页所述所有计划，但仍需符合上述全球所有权测试。
- Permanent residents永久居民 — eligible for the 5% Deposit Scheme and state concessions on the same basis as citizens. Not exempt from foreign-buyer surcharges if you're also classified as a foreign person for state tax purposes in some edge cases — confirm with the FIRB Guide if you hold dual status.在5%首付计划及州优惠方面与公民享有同等资格。在某些特殊情况下，如您因州税务目的也被归类为外国人，则不能豁免外国买家附加税——如您具有双重身份，请查阅FIRB指南确认。
- Temporary visa holders临时签证持有人 — not eligible for the 5% Deposit Scheme. May still access state stamp duty concessions, which are assessed separately from federal schemes — but will likely face FIRB requirements and the established-dwelling ban covered in our FIRB Guide.不符合5%首付计划资格。仍可能符合州级印花税优惠，这与联邦计划是分开评估的——但很可能需要遵守我们FIRB指南中所述的FIRB要求及存量房禁令。
What the 5% Deposit Scheme actually does5%首付计划的实际作用
The Australian Government 5% Deposit Scheme — renamed from the Home Guarantee Scheme on 1 October 2025 — lets eligible first home buyers purchase with just a 5% deposit while avoiding Lenders Mortgage Insurance (LMI) entirely. The government guarantees the lender for the gap between your deposit and 20% of the property value. You still own 100% of your home from settlement — this is a guarantee, not the government taking a stake. 澳洲政府5%首付计划——于2025年10月1日由"住房保障计划"更名而来——让符合条件的首次置业者只需5%的首付即可购房，同时完全避免缴纳贷款人房贷保险（LMI）。政府为您的首付与房产价值20%之间的差额向贷款机构提供担保。从交房之日起，您仍拥有房屋100%的所有权——这是一项担保，并非政府持有股份。
No income caps, unlimited places无收入上限，名额不限
From 1 October 2025, the previous income caps ($125,000 single / $200,000 couple) and the annual place limit were both removed entirely.自2025年10月1日起，此前的收入上限（单身$125,000/夫妻$200,000）及年度名额限制均已完全取消。
Citizenship or permanent residency required需要公民或永久居民身份
You must be an Australian citizen or permanent resident, 18 or older. Temporary visa holders cannot access this scheme, regardless of income or deposit size.您必须是澳洲公民或永久居民，年满18岁。无论收入或首付金额多少，临时签证持有人均无法使用此计划。
Owner-occupier only仅限自住
You must live in the property — it's not available for investment purchases. Loan must be principal and interest, from a participating lender, up to 30 years.您必须实际居住在该房产中——不适用于投资性购买。贷款须为本息还款方式，来自参与该计划的贷款机构，期限最长30年。
Single Parent stream: 2% deposit单亲家庭通道：2%首付
Eligible single parents or legal guardians with a dependent child can access the same LMI waiver with just a 2% deposit. Participants may have owned property before, provided they don't currently hold an interest in one.符合条件的单亲父母或有受抚养子女的法定监护人，只需2%首付即可享受同样的LMI豁免。参与者此前可能拥有过房产，只要目前不持有任何房产权益即可。
Property price caps by location (from 1 October 2025)各地区房产价格上限（自2025年10月1日起）
Caps were raised substantially in October 2025. Always confirm the current figure for your exact suburb via Housing Australia before relying on it — these are the headline figures, and some states split capital city from regional areas with different caps. 2025年10月，价格上限大幅提高。在依赖以下数字之前，请务必通过Housing Australia确认您所在具体郊区的最新数据——以下为主要城市数据，部分州的首府城市与地区性区域上限不同。
| Location地区 | Price cap价格上限 |
|---|---|
| Sydney, Illawarra, Newcastle, Lake Macquarie悉尼、伊拉瓦拉、纽卡斯尔、麦夸里湖 | $1,500,000 |
| NSW — other regional新州——其他地区 | $800,000 |
| Melbourne, Geelong墨尔本、吉朗 | $950,000 |
| VIC — other regional维州——其他地区 | $650,000 |
| Brisbane, Gold Coast, Sunshine Coast布里斯班、黄金海岸、阳光海岸 | $1,000,000 |
| QLD — other regional昆州——其他地区 | $700,000 |
| Perth珀斯 | $850,000 |
| WA — other regional西澳——其他地区 | $600,000 |
| Adelaide阿德莱德 | $900,000 |
| SA — other regional南澳——其他地区 | $500,000 |
| Hobart霍巴特 | $700,000 |
| TAS — other regional塔州——其他地区 | $550,000 |
| ACT | $1,000,000 |
| NT (Darwin rising to $750,000 from 1 July 2026)北领地（达尔文自2026年7月1日起升至$750,000） | $600,000 |
- 5% deposit, no LMI5%首付，无LMI
- No income cap无收入上限
- You own 100% from day one从第一天起拥有100%所有权
- Citizens and PRs only仅限公民及永久居民
- 2% deposit, government co-owns up to 40%2%首付，政府最高共同持有40%
- Income caps apply: $100K single / $160K joint适用收入上限：单身$100,000/联合申请$160,000
- Your equity growth is reduced proportionally您的权益增长按比例减少
- Australian citizens only — not available to PRs仅限澳洲公民——永久居民不可申请
The two schemes cannot be combined. For most migrants who've recently become permanent residents, the 5% Deposit Scheme is the relevant one to look at — Help to Buy's citizenship-only requirement excludes PRs entirely. 这两项计划不能同时使用。对于大多数刚获得永久居民身份的新移民而言，5%首付计划是更应关注的选项——购房助力计划仅限公民申请，完全排除了永久居民。
Stamp duty concessions and the FHOG are separate from the federal scheme印花税优惠及首置补助金与联邦计划是分开的
This is worth being precise about, since it's a common point of confusion: the 5% Deposit Scheme is federal and only affects whether you need to pay LMI. Stamp duty concessions and First Home Owner Grants (FHOG) are run separately by each state, and they can be combined with the federal scheme — they're not competing options. 这一点值得说清楚，因为这是常见的混淆点：5%首付计划是联邦政策，仅影响您是否需要缴纳LMI。印花税优惠及首置业者补助金（FHOG）由各州分别运作，可与联邦计划同时使用——两者并非互相排斥的选项。
- Stamp duty concessions印花税优惠 — full or partial exemption from the state tax charged on a property purchase, available to eligible first home buyers regardless of whether you use the 5% Deposit Scheme.符合条件的首次置业者可享受州政府对购房征收的税款的全免或部分豁免，无论是否使用5%首付计划。
- First Home Owner Grant (FHOG)首置业者补助金（FHOG） — a cash grant, typically for new builds only, paid directly to the buyer — a separate program from the duty concession, often able to be claimed alongside it.一种现金补助金，通常仅限新建房产，直接支付给买家——这是与印花税优惠分开的项目，通常可以与之同时申领。
Thresholds and amounts vary significantly by state and change with state Budgets — sometimes more than once a year. Rather than duplicating that detail here, use our full Stamp Duty Calculator, which covers all 8 states and territories with current first-home-buyer exemption ceilings and FHOG amounts built in. 各州的门槛和金额差异很大，且会随州预算变化——有时一年变化不止一次。我们不在此重复这些细节，请使用我们完整的印花税计算器，该工具涵盖全部8个州和领地，已内置当前首次置业者豁免上限及FHOG金额。
5% Deposit Scheme + state stamp duty exemption + FHOG5%首付计划+州印花税豁免+FHOG
For an eligible new-build purchase, all three can typically apply simultaneously, substantially reducing the cash needed at settlement.对于符合条件的新建房产购买，这三项通常可同时适用，大幅减少交房时所需的现金。
Confirm "first home buyer" status before assuming any concession applies在假设可享受任何优惠之前，先确认"首次置业者"身份
The global ownership test in the Eligibility tab above applies to state concessions too — it's not specific to the federal scheme.上方"资格"标签中提到的全球所有权测试同样适用于州优惠——并非仅针对联邦计划。
What should you do now? 现在该怎么做？
- Check the global ownership test first先查清楚全球所有权测试 — before assuming any concession applies, confirm whether any property anywhere — including small inherited shares — carries your name.在假设任何优惠适用之前，先确认是否有任何地方的房产——包括小额继承份额——记载有您的名字。
- Confirm your visa/residency status against the schemes核对您的签证/居留身份与各计划的关系 — PR and citizenship open different doors than a temporary visa does — know which schemes are actually available to you before planning around one that isn't.永久居民和公民身份所能享有的待遇与临时签证不同——在围绕某项计划制定规划之前，请先确认该计划是否真正适用于您。
- Start building local credit history now现在就开始建立本地信用记录 — if you're newly arrived, this takes months, not days — start before you need it for a loan application.如果您是新移民，建立信用记录需要数月而非数天——请在申请贷款前提前开始。
- Run the numbers on the Stamp Duty Calculator使用印花税计算器测算具体数字 — get a real figure for your state and price range, rather than relying on national averages.获取适用于您所在州及价格区间的真实数字，而非依赖全国平均水平。
Ready to check the numbers?准备好核对具体数字了吗？
Check your 5% Deposit Scheme eligibility, then work out your stamp duty and exemptions — both calculators cover all 8 states and territories.先检测您的5%首付计划资格，再计算印花税及豁免——两个计算器均覆盖全部8个州和领地。