政府福利补贴居然还能support我们的贷款?!快来了解一下!
众所周知,澳洲是个高福利国家,各种各样的福利琳琅满目。不过很多人不了解的是,原来各种福利还可以视作收入来增加我们的借贷能力!今天,小编就以家庭补助为例,跟大家一起聊一下如何使用澳洲的福利来帮助大家support我们的贷款吧~
FTB全称是Family taxbenefit,即家庭税务补助。FTB是澳洲政府为了减轻中低收入家庭的带娃压力而提供的政府补助,也常被大家称为“牛奶金”。FTB补助主要是由两个部分组成,分成A和B。
FTB-A部分,是政府根据孩子的年龄和具体情况进行计算的。目前12岁以下的孩子,最高每个孩子每两周可以拿到$191.24,而13-19岁的孩子每两周最高可以拿到$248.78。需要注意的是,想要拿到最高额的牛奶金补助,我们的家庭整体收入必须小于$56,137每年,收入超过的部分会相应的减少我们的A类补助。收入在$99,864以下的部分,超出threshold每多1澳币,A类的补助会下降20cent,而如果超过了$99,864, 每多出1澳币A类补助会下降30cent。
FTB-B部分,是政府为单亲家庭或是家中只有一人工作的单一收入家庭提供的额外补助。比如有的家庭爸爸上班,妈妈在家带娃,或者妈妈仅仅做兼职收入较低,这些情况都可以申请B类补助。B部分是以家庭为单位发放的,同样具体发放条件及额度取决于家庭收入情况。有5岁以下儿童的家庭可以额外每两周收到$162.52, 5-18岁儿童的家庭每两周可以拿到$113.54。收入超出的部分也会相对应的会下降。
近期一位客户找到我们,客户的需求是refinance现有贷款,同时希望增贷一部分来购买一个投资房,但是客户的每周收入有$700左右。在起初为客户做serviceability calculator的时候,因客户自身的收入水平有限,经过我们的计算得出结论转贷后无法额外增贷足够的资金来满足投资需求。
在我们后续跟客户的进一步沟通了解中,我们得知客户是有享有FTB家庭补助的,并且享受的是最高补贴额度。
很多人不了解的是,这部分补助是可以当作收入全额计算进去的,总额相当于客户自身25%的收入水平了。而收入是考量我们借贷能力的最重要的一个部分,这部分的提升极大的提高了客户的借贷能力,从而cash out出了足够的资金,满足了客户购买投资房的需求。
Age Pension 养老金
Invalid and Disability Payment 残疾收入补贴
Carers Payment 看护者收入补贴
Child Care Rebates 幼儿园补贴
Widow Allowance 寡妇补贴
等等等等…
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