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越来越多的女性决定自己创造财富，购买房产，而不是等待白马王子。 这当然是我亲眼所见。我的周围都是女性客户、朋友和同事，她们购买房产是因为觉得它能带来稳定的生活。 以菲奥娜(Fiona)、劳伦(Lauren)和贝拉(Bella)为例。她们是三个截然不同的女性——一位单身、在GenY工作;一位已婚、在GenY工作，她的丈夫拥有一家企业。 这三位女士都拥有自己的房产，有些甚至不止一处，她们都使用了不同类型的融资和再融资方式来获得自己的房产。 28岁的菲奥娜·斯克里兹尼克(Fiona Skrzypnik)一直是个储蓄者。 她意识到，能够住在家里意味着她可以快速追踪自己的储蓄，因此她的习惯一直是将收入的90%存起来——无论是工资还是礼物——剩下的10%花出去。 她避免使用信用卡，宁愿把钱存起来买她想买的任何东西。 她在25岁时购买投资性房产，部分原因是她认为这是“你该做的事”，但也因为作为单身女性，她想在经济上独立，并长期养活自己。 菲奥娜的第一笔贷款是通过一位房屋贷款经纪人获得的，她的父母为她提供了12个月的担保，之后他们才得以获释。 在定期查看她是否能与经纪人和网上银行达成更好的交易后，她利用网上贷款机构Tic Toc获得了更好的利率，她发现这个过程很简单，而且令人惊讶的是，“有趣而且有点厚颜无耻”。 菲奥娜可能看起来特别节俭，但她仍然通过注册优惠券网站来满足自己对时尚的热爱，所以任何大减价都会通知她，因为她会避免支付全价。 33岁的劳伦·劳热爱旅行和冒险。 然而，她想拥有自己的房子——她不认为这是一种投资，而是一种安全和稳定。 为了给她的第一个家庭存款存钱，劳伦和她的丈夫尽可能地把钱存入银行。 他们是租房的，所以他们选择不买任何非必需品，而且“非常节俭”，在节省下来的时间里没有任何可自由支配的开支。 23岁时，他们通过房屋贷款经纪人获得了贷款，当时，他们得到的贷款是他们当初选择买房金额的两倍。 然而，劳伦想要过得舒服些，也足够自律，只借到他们最初决定的数额。 此后，她通过房屋贷款经纪人购买了一套投资性房产，并为自己的房子进行了再融资，因为她不想去多家银行或不同的机构。 劳伦现在把她的预算往后推——她想在几年内还清房贷，优先考虑她对旅游和冒险的热爱，然后把剩下的花出去。 
42岁的贝拉·扎内斯科(Bella Zanesco)是一位作家，也是life and career coach company的老板。 在三年的分居生活后，贝拉担心自己不会继续存钱，她想要尽快还清房屋贷款来激励自己。 她只对自己能负担得起的房子感兴趣，有可能通过出租房间获得收入，以缓解任何潜在的抵押贷款压力。 贝拉对自己作为一名企业主能够轻而易举地获得一笔贷款感到惊讶，但她怀疑，存下一笔可观的存款，找到一位了解贷款给企业主的伟大经纪人，并在力所能及的范围内购买房产是否会对她有所帮助。 用贝拉的话说，她只是不想依赖“男人计划”，她仍然看到很多其他女人在这样做。 房地产可能不是唯一适合女性的投资游戏。然而，这三位女性的共同主题是，这是可能的，但也并没有什么灵丹妙药。 关键是要把经济独立放在首位，明智地消费，合理储蓄，找到激励你的方法，而不是简单地依赖“男人计划”。 翻译者：SIHUA LI Don't rely on the 'man plan' for your first home More women have decided to take wealth creation into their own hands and buy property, rather than waiting for a white knight.
此文章出于 <Melissa Browne, The Sydney Morning Herald, 20 Mar 2019> That’s certainly what I’m witnessing. I’m surrounded by female clients, friends and colleagues who have purchased property because of the perceived stability it offers. Take the cases of Fiona, Lauren and Bella. They are three very different women — a single, employed Gen Y; a married, employed Gen Y with a business-owning husband and a business owning, separated Gen X. All three own property — some more than one — and all have used different types of financing and refinancing to obtain their estate. Fiona Skrzypnik, 28, has always been a saver. She appreciates that being able to live at home means she can fast track her savings, so her system has been to save 90 per cent of any income she receives — whether that’s salary or gifts — and to spend the other 10 per cent. She has shunned credit, preferring to save for anything she wants to buy. Her reason for purchasing an investment property at age 25 was partly because she believed that it was “the thing you do” but also because, as a single woman, she wants to be financially independent and to support herself in the long term. Fiona used a mortgage broker for her initial loan and her parents were guarantors for 12 months, at which point they were able to be released. After checking semi-regularly to see if she could get a better deal with both her broker and online, she used online lender Tic Toc to secure a better interest rate and found the process easy and, surprisingly, “fun and a little bit cheeky”. While Fiona might seem exceptionally frugal, she still indulges her love of fashion by signing up to coupon-sites, so she’s notified of any big sales, as she shuns paying full-price. Lauren Law, 33, loves travel and adventure. However, she wanted to own her own home — something she doesn’t see as an investment but rather as security and stability. To save for her first home deposit, Lauren and her husband banked as much as they could. They were renting, so they chose to cut out all non-essentials and were “incredibly tight,” with no discretionary spending during the time they saved. They secured their loan at age 23 through a mortgage broker and, at the time, were offered twice the amount they had chosen to spend on a house. However, Lauren wanted to feel comfortable and was disciplined enough to borrow only the amount they had initially decided. She has since used a mortgage broker to buy an investment property and to do a refinancing on her home, as she didn't want to go to multiple banks or different institutions. Lauren now works backwards with her budget — she wants to pay off her home loan in a few years, prioritises her love of travel and adventure and then spend what is left. Bella Zanesco, 42, an author and owner of life and career coach company Fully Expressed, ringfenced 30 per cent of her income to put towards a house deposit. After three years and a separation, Bella was concerned she wouldn’t continue to save and wanted the discipline of paying down a mortgage quickly to motivate her. She was only interested in buying a house she could afford, potentially with an income stream through renting out rooms, to alleviate any potential mortgage stress. Bella was surprised at the ease with which she, as a business owner, was able to secure a loan but suspected that saving a sizeable deposit, finding a great broker who understood lending to a business owner and buying well within her means helped. In Bella’s words, she simply didn’t want to rely on the 'man plan,' which she still sees too many other women doing. Property may not be the only investment game in town for women. However, the common theme with these three women is it’s possible, but there is no silver bullet. The key is prioritising financial independence, spending wisely, saving well and finding something to motivate you rather than simply relying on the 'man plan.'
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