ABN 持有人、Pty Ltd 经营者、个体户和自由职业者的收入材料各不相同。掌忠贷提供中英文沟通，先了解经营年限、报税情况、收入与负债，再核对适用的贷款机构要求。初步评估不等于贷款批准，最终额度、利率及条件由贷款机构审核决定。ABN holders, company directors, sole traders and freelancers have different income records. Our bilingual team reviews your trading history, tax documents, income and debts before checking lender requirements. An initial assessment is not loan approval; the lender determines the amount, rate and conditions.
全文档（full-doc）通常围绕报税及财务记录评估；替代文档（alt-doc，有时称 low-doc）则使用贷款机构接受的其他收入证据。它们不是按“最便宜到最快”排列的四款固定产品。Full-doc assessment uses tax and financial records. Alt-doc, sometimes called low-doc, uses other income evidence accepted by the lender. These are not four standard products ranked by price or speed.
准备现有个人及企业报税记录、税务评估通知和财务报表，所需期间取决于所选评估方式。Gather personal and business tax records, notices of assessment and financial statements. The required period depends on the assessment method.
例如 Westpac 提供一年收入评估，但公开资格条件仍要求经营超过两个完整财年。不能仅凭一份税单推断符合资格。For example, Westpac offers a one-year income assessment, but its published eligibility conditions require more than two full financial years of self-employment. One tax return alone does not establish eligibility.
部分替代文档方案可考虑 BAS 或生意流水。Pepper Money 列出的证据选择包括六个月已提交 BAS 或生意账户流水，具体须符合产品条件。Some alt-doc options consider BAS or business statements. Pepper Money lists six months of lodged BAS or business bank statements among its evidence options, subject to product conditions.
部分产品接受指定格式的会计师信。它不是免收入核实或保证批准的替代品，也不是所有 alt-doc 申请都必须使用的文件。Some products accept an accountant’s letter in a specified format. This does not remove income verification or guarantee approval, and it is not required for every alt-doc application.
营业额不等于可用于还贷的收入。贷款机构还会考虑业务支出、家庭生活费、现有负债和拟申请贷款的还款压力。BAS 金额乘固定倍数不能得出可靠的可借额度。Turnover is not the same as income available for repayments. Assessment also considers business costs, household expenses, existing debts and the proposed loan repayments. A fixed multiple of BAS figures is not a reliable borrowing limit.
折旧等项目是否可以调整，需要财务记录支持并符合贷款机构政策。工资、利润和其他收入应避免重复计算；不要把“加回”当作借款额度必然增加或翻倍的承诺。Any adjustment for items such as depreciation needs supporting records and must meet lender policy. Avoid counting wages, profits or other income twice. Add-backs do not guarantee an increase or doubling of borrowing capacity.
这是一份初步整理清单，不是适用于所有贷款机构的完整申请要求。请通过确认的安全渠道提交资料。This is a starting checklist, not a complete application requirement for every lender. Submit documents through a confirmed secure channel.
先梳理资料与预算，再核对可选产品、提交申请并等待审核及估价；批准后还有合同与交割安排。补件、估价、法律文件及贷款机构工作量都会影响时间，不承诺固定天数内获批或放款。Review records and budget, check available products, then submit for lender assessment and valuation. Approval is followed by loan documents and settlement arrangements. Additional documents, valuation, legal requirements and lender workload affect timing; approval or settlement within a fixed number of days is not promised.
经营时间短时选择可能较少。部分贷款机构有相关方案，但还须核对收入证据、GST 注册及具体产品条件；不能仅凭 ABN 年限判断会获批。A short trading history can limit options. Some lenders offer relevant products, but income evidence, GST registration and product conditions still need checking. ABN age alone does not establish approval.
不是。BAS 只是可能采用的收入证据之一，身份、负债、支出和房产资料仍可能需要核实。No. BAS is one possible form of income evidence. Identity, debts, expenses and property details may still need verification.
分别核实双方可接受的收入，再结合共同负债和生活费评估。不能预设借款能力增加某个百分比。Each applicant’s acceptable income is verified, then assessed alongside joint debts and living costs. There is no preset percentage increase in borrowing capacity.
借款主体会影响可选产品和文件要求。税务与法律影响需由会计师或律师按个人情况说明，再与贷款方案一起评估。The borrowing entity affects product options and documentation. Have an accountant or lawyer explain the tax and legal implications for your circumstances alongside the lending assessment.
先说明居留身份、收入国家与币种、经营结构及现有证明。可从墨尔本华人贷款服务了解咨询入口，再逐项核对接受条件。Start with residency, income country and currency, business structure and available records. Visit our Chinese-speaking mortgage service to discuss your situation before checking eligibility.
以与你情况匹配的具体产品及书面披露为准。咨询时可要求说明利率、比较利率、贷款机构费用及任何经纪服务费用。Check the specific product and written disclosures for your circumstances. Ask about the interest rate, comparison rate, lender charges and any broker service fees.
核对日期：2026年9月26日。以下为贷款机构公开说明，不代表适用于每位申请人；申请时需重新核对。Reviewed 26 September 2026. These are published lender explanations, not eligibility confirmation for every applicant. Recheck at application.
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