持 482 工作签证（TSS）或其它临时签证（TR）想在澳洲买房，能不能贷、贷多少，主要看三件事：签证类别和剩余时长、买的是现房还是新房（决定要不要 FIRB 审批 + 海外人士印花税附加）、以及你的收入是受雇主担保的 PAYG 还是 ABN / 海外收入。482 受担保的技术工人多数是 PAYG，比纯海外买家好做不少：部分贷款机构对临时签证持有人能给到 80% 甚至更高 LVR，但条件比 PR / 公民紧。掌忠贷是持牌华人贷款经纪人，对接 40+ 家银行与非银行贷款机构，按你的签证和收入结构找出真正会批的那家。中英文一对一，3 分钟手机预审。Holding a 482 work visa (TSS) or another temporary visa (TR) and wanting to buy in Australia, whether and how much you can borrow comes down to three things: your visa class and time remaining, whether you're buying an established or new dwelling (which decides FIRB approval + the foreign-buyer stamp-duty surcharge), and whether your income is employer-sponsored PAYG or ABN / offshore. Sponsored 482 skilled workers are usually PAYG, which is materially easier than a pure foreign buyer: some lenders extend 80% or higher LVR to temporary-visa holders, though on tighter terms than PR / citizens. Fingertips Finance is a licensed Chinese mortgage broker comparing 40+ bank and non-bank lenders to find the one that actually approves your visa and income. Bilingual one-on-one, 3-minute mobile pre-check, no credit pull.
受雇主担保、收入是 PAYG，是临时签证里最好做的一类。多数主流贷款机构接受，部分情况 LVR 能到 80%，要看签证剩余时长和收入稳定性。Employer-sponsored with PAYG income — the most fundable temporary visa. Accepted by most mainstream lenders, with LVR up to 80% in some cases, depending on time remaining and income stability.
毕业生临时工签，收入和签证剩余时长通常偏短，贷款机构更谨慎，LVR 一般更低、要的首付更多。部分贷款机构接，要逐家比对。Graduate temporary visa — income and visa time remaining are often short, so lenders are more cautious with lower LVR and a larger deposit. Some lenders accept it; compare lender by lender.
学生签证多数主流大行不接或非常收紧，通常按海外人士规则走：LVR 受限（常 60–70%）、要 FIRB、海外父母收入支持。少数贷款机构能做。Most major banks decline or heavily restrict student visas, usually treated under foreign-buyer rules: restricted LVR (often 60–70%), FIRB required, often supported by overseas parents' income. A few lenders can do it.
商业创新投资签证，188 临时阶段也按临时签证规则，收入多为海外 / 生意收入。这类有专门的处理方式，详见 188 / 888 签证房贷专页。Business-innovation-and-investment visa — the 188 temporary stage follows temporary-visa rules, with mostly offshore / business income. There's a dedicated approach — see the 188 / 888 visa home loan page.
482 受担保 + PAYG 是临时签证里最好做的组合。部分主流贷款机构对 482 持有人能给到 80% LVR（两成首付），意味着 $11 万收入按标准还款能力评估，自住大致可借 $50 万到 $60 万区间（具体看你的负债、利率、和贷款机构政策）。要注意两点：一是部分贷款机构要求签证剩余 ≥ 12 个月；二是如果买的是现房（established dwelling）自住，通常要外国投资审查委员会（FIRB）批准 + 缴海外人士印花税附加，这两笔是贷款之外的额外成本，要算进总预算。买新房 / 期房则 FIRB 更宽松。我们预审时按你的签证类别和剩余时长，筛出对 482 友好的贷款机构、把 FIRB 和印花税附加一并算给你看。Sponsored 482 + PAYG is the most fundable temporary-visa combo. Some mainstream lenders extend 80% LVR (20% deposit) to 482 holders, so $110k income on standard servicing borrows roughly $500–600k for an owner-occupier (depending on your debts, rate and lender policy). Two things to note: some lenders want ≥12 months left on the visa; and if you're buying an established dwelling to live in, you'll usually need FIRB approval plus the foreign-buyer stamp-duty surcharge — costs on top of the loan to budget for. New / off-the-plan is more FIRB-flexible. At pre-check we shortlist 482-friendly lenders by your visa class and time remaining, and lay out FIRB + surcharge alongside the loan.
不一定，看你买什么房。临时居民买现房（established dwelling）自住，通常要外国投资审查委员会（FIRB）批准，而且一般限一套自住、不能出租；买新房（new dwelling）或期房（off-the-plan）则更宽松，是政策鼓励的方向。FIRB 申请有申请费，加上多数州对海外人士（临时签证持有人在印花税口径上常被视为海外人士）还有印花税附加，这两笔是贷款之外的成本。规则细节和各州印花税附加比例不同，我们预审时按你的签证、买房类型、所在州帮你算清总落地成本，避免到交割才发现少算了一笔。FIRB 是政府审批，请以官方最新规定为准。Not always — it depends on what you buy. A temporary resident buying an established dwelling to live in usually needs FIRB approval, generally limited to one home to occupy (not rent out); buying a new dwelling or off-the-plan is more open and policy-encouraged. FIRB carries an application fee, and most states also levy a foreign-buyer stamp-duty surcharge (temporary-visa holders are often treated as foreign persons for duty), both costs on top of the loan. Rules and surcharge rates vary by state — at pre-check we compute total landing cost for your visa, property type and state so nothing is missed at settlement. FIRB is a government approval; rely on the official current rules.
2 年剩余时长通常没问题。部分贷款机构对临时签证有「剩余时长 ≥ 12 个月」之类的门槛，2 年是够的。贷款机构真正关心的是你的收入稳定性和还款能力，不是要你签证覆盖整个 30 年贷款期——房贷是长期的，签证是阶段性的，这点贷款机构清楚。如果你将来打算申请 PR，转成 PR 后贷款条件还会进一步放松（LVR 更高、利率更优、不再受海外人士印花税附加影响）。我们预审时会帮你确认你这个签证类别 + 剩余时长在哪几家贷款机构那里没问题，并且如果你接近 PR，会帮你算「现在买 vs 等 PR 后买」哪个更划算。Two years remaining is generally fine. Some lenders apply a 'time remaining ≥12 months' threshold for temporary visas, and 2 years clears it. What lenders really care about is income stability and servicing, not that your visa cover the whole 30-year loan term — a mortgage is long-term and a visa is staged, which lenders understand. If you later apply for PR, conditions ease further once granted (higher LVR, sharper rates, no foreign-buyer surcharge). At pre-check we confirm which lenders are comfortable with your visa class + time remaining, and if you're close to PR, model 'buy now vs wait for PR' to see which is more cost-effective.
主收入是受担保的 PAYG 这部分最好认；ABN 副业收入能不能加进来要看贷款机构政策和这笔副业的稳定性。一般规则：ABN 收入要满 1 到 2 年、有税单或 BAS 支撑才容易计入，时间短的可能不被认、或只按折扣计。对临时签证持有人，贷款机构对附加的 ABN 收入会更谨慎。最稳的做法是以 482 的 PAYG 主收入做还款能力的主干，ABN 副业作为补充——能加多少要逐家看。我们预审时按你两块收入的真实情况，匹配既接受 482、又愿意把你这笔 ABN 副业计入的贷款机构，把可借额度最大化但不夸大。The sponsored PAYG main income is easiest to count; whether the ABN side income can be added depends on lender policy and how stable that side work is. General rule: ABN income is more readily counted with 1–2 years' history backed by tax returns or BAS — short-tenure ABN may be excluded or counted at a discount. For temporary-visa holders, lenders are more cautious about add-on ABN income. The safest approach is to base servicing on the 482 PAYG main income with the ABN side work as a supplement — how much can be added varies by lender. At pre-check we match your real two-income picture to a lender that both accepts 482 and is willing to count the ABN side income, maximising capacity without overstating it.
对客户免费——经纪费由放款银行支付，所有费用在信贷报价单（Credit Quote）里书面披露。区别在于：临时签证房贷最大的难点是「哪家贷款机构接你这个签证类别 + 收入结构」，每家政策都不一样且时常调整。你自己一家家试，被拒几次还会在征信上留查询记录。我们一次比较 40+ 家银行与非银行贷款机构对 482 / 485 / 500 的政策，先用一次轻预审帮你锁定 2 到 3 家真正会批的，再正式申请。加上 FIRB、海外人士印花税附加这些临时签证特有的成本，我们一并算清楚——中英文一对一，少走弯路。Free to you — the broker is paid by the lender, with all fees disclosed in the Credit Quote. The difference: the hardest part of a temporary-visa loan is 'which lender accepts your visa class + income structure', and every lender's policy differs and changes often. Trying banks one by one risks several declines that also leave credit-file enquiries. We compare 40+ bank and non-bank lenders' 482 / 485 / 500 policies at once, use a no-credit-pull pre-check to lock in the 2–3 that will actually approve, then apply formally. We also work out the temporary-visa-specific costs like FIRB and the foreign-buyer surcharge — bilingual one-on-one, fewer detours.
想看更多：墨尔本华人贷款经纪人 · 澳洲华人贷款经纪人 · 自雇人士贷款 · 40+ 银行利率More reads: Melbourne Chinese mortgage broker · Australia Chinese mortgage broker · Self-employed loans · 40+ lender rates