<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>MRH Mortgage</title><description>MRH Mortgage 是持牌信贷代表，服务澳洲华人客户：首次置业、自住房、投资房、转贷、建房与开发贷款、商业与生意贷款、海外收入与非居民贷款。中文沟通，全澳服务。</description><link>https://www.mrhmortgage.com.au/</link><language>zh-CN</language><item><title>商业与开发贷款入门：和住房贷款到底差在哪</title><link>https://www.mrhmortgage.com.au/commercial-development-loan-basics/</link><guid isPermaLink="true">https://www.mrhmortgage.com.au/commercial-development-loan-basics/</guid><description>商业地产、生意收购与小型开发贷款的评估逻辑完全不同于住房贷款。拆解 LVR、期限、利率结构与贷方最在意的几件事。</description><pubDate>Wed, 12 Aug 2026 00:00:00 GMT</pubDate><category>商业与开发</category><category>商业贷款</category><category>开发贷款</category><category>商业地产</category><category>生意贷款</category><category>过桥融资</category></item><item><title>2026年RBA利率决议：现金利率变化如何影响房贷月供及不同贷款额度测算</title><link>https://www.mrhmortgage.com.au/rba-rate-decision-2026-08/</link><guid isPermaLink="true">https://www.mrhmortgage.com.au/rba-rate-decision-2026-08/</guid><description>基于最新 RBA 利率决议，解析现金利率传导至房贷月供的机制，并提供不同贷款额度的月供变化测算案例。</description><pubDate>Mon, 10 Aug 2026 00:00:00 GMT</pubDate><category>房屋贷款</category><category>RBA</category><category>利率</category><category>房贷月供</category><category>现金利率</category></item><item><title>40 年期房贷进入澳洲主流：月供能降多少、总利息要多付多少</title><link>https://www.mrhmortgage.com.au/40-year-mortgage-australia/</link><guid isPermaLink="true">https://www.mrhmortgage.com.au/40-year-mortgage-australia/</guid><description>澳洲市场出现最长 40 年贷款期与最长 10 年只还息产品。用实际数字算清楚：月供省下的钱和多付的利息，差距有多大。</description><pubDate>Tue, 04 Aug 2026 00:00:00 GMT</pubDate><category>房屋贷款</category><category>贷款期限</category><category>只还利息</category><category>首次置业</category><category>非银行贷方</category></item><item><title>5% 首付担保计划扩容：申请口径怎么看，谁真正用得上</title><link>https://www.mrhmortgage.com.au/5-percent-deposit-guarantee-scheme/</link><guid isPermaLink="true">https://www.mrhmortgage.com.au/5-percent-deposit-guarantee-scheme/</guid><description>Housing Australia 参与放款人名单扩大，首次置业者的选择面和申请路径有了变化。拆解资格条件、房价上限与真实成本。</description><pubDate>Tue, 04 Aug 2026 00:00:00 GMT</pubDate><category>房屋贷款</category><category>首次置业</category><category>LMI</category><category>政府担保</category><category>首付</category></item><item><title>NSW 印花税与首次置业减免：80 万到 100 万之间到底怎么算</title><link>https://www.mrhmortgage.com.au/nsw-stamp-duty-first-home-buyer/</link><guid isPermaLink="true">https://www.mrhmortgage.com.au/nsw-stamp-duty-first-home-buyer/</guid><description>新州首次置业印花税减免的分段规则、常见误区，以及 80 万–100 万区间内每多花 1 万澳元的真实代价。</description><pubDate>Tue, 28 Jul 2026 00:00:00 GMT</pubDate><category>房屋贷款</category><category>印花税</category><category>首次置业</category><category>NSW</category><category>购房成本</category></item><item><title>负扣税到底省了多少税：用真实数字算一遍，而不是听中介说</title><link>https://www.mrhmortgage.com.au/negative-gearing-explained/</link><guid isPermaLink="true">https://www.mrhmortgage.com.au/negative-gearing-explained/</guid><description>负扣税不是让你赚钱的工具，而是让亏损变得可承受的机制。拆解它的实际现金流影响与常见误用。</description><pubDate>Mon, 20 Jul 2026 00:00:00 GMT</pubDate><category>投资贷款</category><category>负扣税</category><category>投资房</category><category>资本利得税</category><category>边际税率</category></item><item><title>从学生签到 PR：不同签证阶段能买什么房、能借多少钱</title><link>https://www.mrhmortgage.com.au/student-visa-to-pr-property/</link><guid isPermaLink="true">https://www.mrhmortgage.com.au/student-visa-to-pr-property/</guid><description>临时签证、毕业生签证、雇主担保到永居，每个阶段的 FIRB 限制、贷款门槛与首付要求都不一样。一张表说清楚。</description><pubDate>Sun, 12 Jul 2026 00:00:00 GMT</pubDate><category>海外与非居民</category><category>签证</category><category>FIRB</category><category>非居民贷款</category><category>PR</category><category>临时签证</category></item><item><title>悉尼拍卖场实操：出价节奏、预算纪律与流拍后的机会</title><link>https://www.mrhmortgage.com.au/sydney-auction-strategy/</link><guid isPermaLink="true">https://www.mrhmortgage.com.au/sydney-auction-strategy/</guid><description>澳洲拍卖不是喊价游戏，是一套有固定节奏的流程。拆解出价策略、常见心理陷阱与流拍后的谈判窗口。</description><pubDate>Sun, 05 Jul 2026 00:00:00 GMT</pubDate><category>房屋贷款</category><category>拍卖</category><category>悉尼</category><category>买房</category><category>出价策略</category></item></channel></rss>