A PARADISE PRODUCTIONIncome
收入评估
- Any pay basis annualised — hourly to salaried, super in or out
- YTD verified against the payslip and start date, in one line
- Overtime, bonus and allowances shaded in the open
- 时薪到年薪都能换算,super 含与不含自动互转
- 用 payslip 的 YTD 与入职日核对,一行给结论
- 加班、奖金、津贴按银行惯例折算,比例可见可改
Borrowing capacity
借贷能力
- Net income on the current ATO scale, with the Medicare levy
- HEM-style expense floor, dependants and commitments
- Serviceability and DTI tested separately, binding one named
- 按当前 ATO 税率表算税后收入,含 Medicare levy
- HEM 生活开支基准、抚养人数、现有负债
- Serviceability 与 DTI 分别测算,指出哪个是瓶颈
Repayments
还款测算
- Offset, extra repayments and interest-only
- Two rates priced side by side over the whole term
- Weekly and fortnightly re-solved, never pro-rated
- 对冲账户、额外还款、只还息
- 两个利率并排对比,算清整个贷款期差额
- 周供、双周供各自独立求解,不是月供除以二
Upfront costs
前期费用
- Transfer duty for all eight states and territories
- First home concessions, foreign surcharge, indicative LMI
- One cash-to-complete figure you can read out on a call
- 八个州和领地的印花税
- 首次购房优惠、海外买家附加税、LMI 参考保费
- 汇总成一个"过户当天要准备多少现金"
One key, client-ready
一个键,直接发给客户
Press ⌘E on any tab and the current calculation becomes a card — your name, company, credit licence number and logo on it — copied to the clipboard and saved to the Desktop, ready to drop into an email or a text. ⌘⇧C copies the same figures as plain text for a file note or your CRM. The disclaimer travels with both, so a figure never leaves without one.
在任意页面按 ⌘E,当前计算结果会生成一张卡片 —— 上面有您的姓名、公司、 信贷牌照号和 logo —— 自动复制到剪贴板并在桌面存一份,可直接贴进邮件或短信。 按 ⌘⇧C 则复制为纯文字,适合 file note 或 CRM。两种格式都带免责声明, 数字不会脱离说明单独流出。
Client names, incomes and loan amounts never leave your machine. No account, no cloud sync, no analytics on what you calculate, and your licence is verified offline. Read the privacy note →
客户姓名、收入与贷款金额永远不离开这台 Mac。 没有账号、不做云同步、不统计您的计算内容,授权验证也在本地完成。 查看隐私说明 →
Pricing
价格
- Every tab unlocked — repayments, capacity, income, upfront
- Your name, contact details and logo on every exported card
- Three themes, exports with no watermark
- Use it on every Mac you personally work on
- 四个页面全部解锁
- 导出卡片上显示您的姓名、联系方式和 logo
- 三套配色,导出无水印
- 您本人使用的每一台 Mac 都可以激活
- Everything in the full version
- The PWE mark removed — your logo stands alone on every card
- Covers up to 5 Macs within your business
- 包含完整版全部功能
- 卡片上的 PWE 标识完全去除,只显示贵司 logo
- 可在公司内 5 台 Mac 上使用
One payment. No subscription, no annual renewal. Prices include GST and a tax invoice is issued with every licence. Every install starts with a 7-day trial, fully unlocked.
一次性付费,无月费、无年费。价格含 GST,每笔授权均开具正式税务发票。 每次安装都有 7 天全功能试用。
Signed and notarised by Apple · macOS 14+ · Getting Started guide (PDF)
已由 Apple 签名公证 · 需 macOS 14+ · 中文使用指南(PDF)
The app is in English on purpose — it keeps every term identical to what goes into a lender submission. A Chinese guide ships with it.
软件界面保持英文,是为了与提交给银行的材料用词一致;随附中文使用指南。
Using Windows?
用 Windows 电脑?
There is a Windows build — the same four calculators, the same branded exports, the same seven-day trial. It is one file: nothing to install, and no separate .NET download.
Windows 版本已经上线 —— 同样的四个计算页、同样的品牌导出卡片、同样的 7 天试用。 单个文件,无需安装,也不需要另外下载 .NET 运行库。
The small print that matters
必须说明的部分
Estimate only. PWE Loan Bar provides general information and does not constitute credit assistance, a credit quote, or personal financial advice. Figures are indicative, assume a constant rate for the full term, and exclude lender fees, package discounts and promotional rates. Borrowing capacity uses a HEM-style expense floor and does not reflect any individual lender's servicing model. LMI premiums are indicative and are set by the insurer. Transfer duty scales and concession thresholds are current as at 26 August 2026 and change with each state budget — confirm every figure with the lender and the relevant state revenue office before relying on it.
本软件仅提供估算。PWE Loan Bar 提供的是一般性信息,不构成信贷协助 (credit assistance)、信贷报价或个人财务建议。所有数字均为参考值,假设整个贷款期利率不变, 且不包含贷款机构收费、套餐折扣与 promotional rate。借贷能力采用 HEM 式生活开支基准, 不代表任何具体贷款机构的审批模型。LMI 保费为参考值,由保险公司厘定。 印花税税率与优惠门槛以 2026 年 8 月 26 日公布的规则为准,会随各州预算调整 —— 正式报价前请与贷款机构及相应州税务局核实每一个数字。