{"id":28636,"date":"2022-03-04T16:15:19","date_gmt":"2022-03-04T16:15:19","guid":{"rendered":"https:\/\/lisaslaw.co.uk\/%e7%bb%a7%e6%89%bf%e7%88%b6%e6%af%8d%e6%88%bf%e4%ba%a7%ef%bc%8c%e5%a6%82%e4%bd%95%e5%bd%b1%e5%93%8d%e4%bd%bf%e7%94%a8isa%e8%b4%a6%e6%88%b7%e4%b9%b0%e6%88%bf%ef%bc%9f\/"},"modified":"2025-03-11T09:42:31","modified_gmt":"2025-03-11T09:42:31","slug":"%e7%bb%a7%e6%89%bf%e7%88%b6%e6%af%8d%e6%88%bf%e4%ba%a7%ef%bc%8c%e5%a6%82%e4%bd%95%e5%bd%b1%e5%93%8d%e4%bd%bf%e7%94%a8isa%e8%b4%a6%e6%88%b7%e4%b9%b0%e6%88%bf%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/lisaslaw.co.uk\/zh-hans\/%e7%bb%a7%e6%89%bf%e7%88%b6%e6%af%8d%e6%88%bf%e4%ba%a7%ef%bc%8c%e5%a6%82%e4%bd%95%e5%bd%b1%e5%93%8d%e4%bd%bf%e7%94%a8isa%e8%b4%a6%e6%88%b7%e4%b9%b0%e6%88%bf%ef%bc%9f\/","title":{"rendered":"\u7ee7\u627f\u7236\u6bcd\u623f\u4ea7\uff0c\u5982\u4f55\u5f71\u54cd\u4f7f\u7528ISA\u8d26\u6237\u4e70\u623f\uff1f"},"content":{"rendered":"<p>\u5bf9\u4e8e\u751f\u6d3b\u5728\u82f1\u56fd\u5c24\u5176\u662f\u6253\u7b97\u957f\u671f\u5c45\u4f4f\u4e0b\u6765\u7684\u4eba\u6765\u8bf4\uff0c\u5e94\u8be5\u6216\u591a\u6216\u5c11\u6709\u542c\u8fc7ISA\u8d26\u6237\uff08\u5176\u82f1\u6587\u5168\u540d\u662f\uff1aIndividual Savings Account\uff09\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u6bd4\u8f83\u5e38\u88ab\u63d0\u53ca\u7684\u6bd4\u5982\u8bf4\u662fLifetime ISA\uff0cHelp To Buy ISA\u7b49\uff08\u867d\u7136Help To Buy ISA\u5df2\u7ecf\u4e0d\u518d\u63a5\u53d7\u65b0\u7684\u7533\u8bf7\uff09\uff0c\u8fd9\u4e9b\u4e0d\u540c\u540d\u79f0\u7684\u9879\u76ee\u5176\u5b9e\u90fd\u662f\u201dISA\u201c\u7684\u4e00\u79cd\uff08\u4e2d\u6587\u6211\u4eec\u628a\u201d\u5b83\u201c\u7ffb\u8bd1\u6210\uff1a\u4e2a\u4eba\u50a8\u84c4\u8d26\u6237\uff09\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u5bf9\u4e8e\u60f3\u8981\u767b\u4e0a\u4e70\u623f\u9636\u68af\u7684\u201d\u9996\u8d2d\u65cf\u201c\u6765\u8bf4\uff0c\u4e5f\u7531\u4e8e\u82f1\u56fd\u653f\u5e9c\u7684Help To Buy ISA\u5df2\u7ecf\u5bf9\u65b0\u7684\u7533\u8bf7\u8005\u5173\u95ed\uff08\u5df2\u7ecf\u6301\u6709\u8be5\u8d26\u6237\u7684\u4eba\uff0c\u4ecd\u7136\u53ef\u4ee5\u7ee7\u7eed\u76f4\u52302029\u5e7411\u6708\u4e4b\u524d\u4f7f\u7528\u5b83\uff09\uff0c\u6240\u4ee5\u5728\u8fd9\u65b9\u9762\u73b0\u5728\u6bd4\u8f83\u5e38\u88ab\u8ba8\u8bba\u7684\uff0c\u5c31\u6210\u4e86Lifetime ISA\u4e86\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-6951\" src=\"\/wp-content\/uploads\/2024\/12\/\u4e3d\u838e\u623f\u4ea7-ver2-scaled.jpg\" alt=\"\" width=\"2560\" height=\"853\" data-id=\"6951\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u2192 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ISA\u5b58\u4e86\u4e00\u4e9b\u94b1\u3002\u53ea\u4e0d\u8fc7\u4ed6\u4eec\u6ca1\u6709\u6025\u8457\u4e70\uff0c\u8981\u7b49\u6700\u8fd1\u75ab\u60c5\u540e\u7684\u623f\u4ea7\u5e02\u573a\u7a33\u5b9a\u4e00\u70b9\u518d\u51fa\u624b\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4ed6\u4eec\u4fe9\u8fc7\u53bb\u90fd\u6ca1\u6709\u4e70\u8fc7\u623f\uff0c\u540d\u4e0b\u4e5f\u90fd\u8fd8\u6ca1\u6709\u4efb\u4f55\u623f\u5b50\u3002\u4e0d\u8fc7\uff0c\u838e\u7c89\u7684\u6bcd\u4eb2\u7531\u4e8e\u764c\u75c7\u672b\u671f\uff0c\u53ef\u80fd\u4f1a\u5728\u672a\u6765\u768418\u4e2a\u6708\u5185\u53bb\u4e16\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u838e\u7c89\u95ee\u8bf4\uff0c\u5982\u679c\u4ed6\u6bcd\u4eb2\u53bb\u4e16\u7684\u8bdd\uff0c\u540d\u4e0b\u7684\u90a3\u5957\u623f\u5b50\u5c06\u4f1a\u7531\u4ed6\u548c\u5f1f\u5f1f\u7ee7\u627f\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u7531\u4e8e\u838e\u7c89\u73b0\u5728\u5de5\u4f5c\u548c\u751f\u6d3b\u7684\u5730\u65b9\u90fd\u4e0d\u5728\u90a3\u9644\u8fd1\uff0c\u6240\u4ee5\u672a\u6765\u5c31\u7b97\u7ee7\u627f\u4e86\u4e5f\u4e0d\u4f1a\u642c\u8fdb\u53bb\u4f4f\uff0c\u53ef\u80fd\u4f1a\u548c\u5f1f\u5f1f\u5546\u91cf\u628a\u623f\u5b50\u5356\u4e86\uff0c\u6216\u8005\u628a\u81ea\u5df1\u7684\u80a1\u4efd\u5356\u7ed9\u5f1f\u5f1f\uff0c\u5f1f\u5f1f\u53d8\u6210\u5168\u989d\u6301\u6709\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u6240\u4ee5\u838e\u7c89\u70e6\u607c\u7684\u662f\uff0c\u5982\u679c\u6700\u540e\u4ed6\u771f\u7684\u7ee7\u627f\u4e86\u6bcd\u4eb2\u623f\u5b50\u7684\u8bdd\uff0c\u90a3\u4e48\u4ed6\u76ee\u524d\u7684Lifetime ISA\u4f1a\u53d7\u5230\u4ec0\u4e48\u5f71\u54cd\uff0c\u5c31\u662f\u8bf4\u4ed6\u672a\u6765\u8fd8\u80fd\u7ee7\u7eed\u7528Lifetime ISA\u548c\u4f34\u4fa3\u4e00\u8d77\u4e70\u623f\u5417\uff1f<\/p>\n<p>&nbsp;<\/p>\n<p>\u8fd9\u6837\u7684\u8bdd\uff0c\u838e\u7c89\u8fd8\u80fd\u88ab\u5f53\u505a\u201d\u9996\u6b21\u8d2d\u623f\u201c\uff08First-time buyer\uff09\u5417\uff1f\u6216\u8005\uff0c\u8fd9\u4f1a\u4e0d\u4f1a\u5f71\u54cd\u5230\u4ed6\u7684\u4f34\u4fa3\u4f7f\u7528Lifetime ISA\u5462\uff1f<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-7109\" src=\"\/wp-content\/uploads\/2020\/11\/Lisaslaw003-Banner.png\" alt=\"\" width=\"2050\" height=\"780\" data-id=\"7109\" srcset=\"https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Lisaslaw003-Banner.png 2050w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Lisaslaw003-Banner-300x114.png 300w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Lisaslaw003-Banner-1024x390.png 1024w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Lisaslaw003-Banner-768x292.png 768w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Lisaslaw003-Banner-1536x584.png 1536w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Lisaslaw003-Banner-2048x779.png 2048w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Lisaslaw003-Banner-1320x502.png 1320w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Lisaslaw003-Banner-600x228.png 600w\" sizes=\"(max-width: 2050px) 100vw, 2050px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u2192 \u4ec0\u4e48\u662fLifetime ISA\uff1f<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\u5728\u56de\u7b54\u838e\u7c89\u7684\u95ee\u9898\u4e4b\u524d\uff0c\u6211\u4eec\u9700\u8981\u5148\u7b80\u5355\u4ecb\u7ecd\u4e00\u4e0b\u8fd9\u4e2a\u201d\u7ec8\u8eabISA\u201c\u662f\u4ec0\u4e48\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>Lifetime ISA\uff0c\u662f\u5c5e\u4e8e\u201d\u957f\u671f\u514d\u7a0e\u201c\u7684\u50a8\u84c4\u8d26\u6237\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u8fd9\u662f\u65e9\u57282017\u5e74\uff0c\u82f1\u56fd\u653f\u5e9c\u4e0e\u91d1\u878d\u673a\u6784\u5408\u4f5c\uff0c\u5f00\u5c55\u8fd9\u4e00\u9879\u50a8\u84c4\u8ba1\u5212\uff0c\u610f\u6b32\u5e2e\u52a9\u66f4\u591a\u5e74\u8f7b\u4eba\u5b9e\u73b0\u4e70\u623f\u68a6\u4ee5\u53ca\u4e3a\u5176\u665a\u5e74\u517b\u8001\u505a\u597d\u50a8\u5907\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4e5f\u5c31\u662f\u8bf4\uff0cLifetime ISA\u4e00\u822c\u662f\u7528\u4f5c\u4e00\u79cd\u201d\u8282\u7a0e\u624b\u6bb5\u201c\u6765\u8d2d\u4e70\u7b2c\u4e00\u5957\u4f4f\u623f\uff0c\u6216\u8005\u8bf4\u7ed9\u9000\u4f11\u7684\u65f6\u5019\u591a\u6512\u4e00\u4e9b\u94b1\u7528\u7684\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>Lifetime ISA\u53ef\u6301\u6709\u73b0\u91d1\u3001\u80a1\u7968\u548c\u7b26\u5408\u6761\u4ef6\u7684\u80a1\u4efd\u6295\u8d44\uff0c\u6216\u4e24\u8005\u7ec4\u5408\u3002\u7528\u6237\u53ef\u50a8\u5b58\u8d44\u4ea7\u7684\u540c\u65f6\u83b7\u5f97\u653f\u5e9c\u7ed9\u4e88\u7684\u76f8\u5e94\u5956\u91d1\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4e0e\u5176\u4ed6ISA\u4e00\u6837\uff0c\u7528\u6237\uff08\u6301\u6709\u4eba\uff09\u4e00\u822c\u4e0d\u9700\u8981\u4e3aLifetime ISA\u8d5a\u5230\u7684\u5956\u91d1\u6216\u6295\u8d44\u7684\u4efb\u4f55\u5229\u606f\u3001\u6536\u5165\u6216\u8d44\u672c\u6536\u76ca\u7f34\u7a0e\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u5e76\u4e14\uff0c\u5bf9\u4e8eLifetime ISA\u7684\u7528\u6237\uff0c\u653f\u5e9c\u4e00\u822c\u4f1a\u7ed9\u989d\u591625%\u7684\u201d\u514d\u7a0e\u8d44\u52a9\u201c\uff08\u4e5f\u53ef\u4ee5\u79f0\u4e4b\u4e3a\u201d\u5956\u91d1\u201c\uff09\u2014\u2014\u6bd4\u5982\u8bf4\u60a8\u4e00\u5e74\u6295800\u9551\uff0c\u653f\u5e9c\u4f1a\u53e6\u52a025%\u4e5f\u5c31\u662f200\u9551\uff0c\u8fd9\u6837\u7684\u8bdd\u60a8\u603b\u5171\u5c31\u67091,000\u9551\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u2192 \u6709\u4e86\u4ee5\u4e0a\u6982\u5ff5\u540e\uff0c\u6211\u4eec\u7ee7\u7eed\u56de\u5230\u838e\u7c89\u7684\u63d0\u95ee<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\u9996\u5148\uff0c\u5982\u679c\u838e\u7c89\u662f\u5728\u7ee7\u627f\u4e86\u6bcd\u4eb2\u4e00\u534a\u623f\u4ea7\u540e\uff0c\u624d\u53bb\u4e70\u623f\u7684\u8bdd\uff0c\u90a3\u4e48\u838e\u7c89\u8fd8\u662f\u53ef\u4ee5\u62ff\u51faLifetime ISA\u91cc\u7684\u50a8\u84c4\uff0c\u4f7f\u7528\u8be5\u7b14\u94b1\u4e70\u623f\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u53ea\u4e0d\u8fc7\uff0c\u8fd9\u6837\u7684\u8bdd\uff0c\u7531\u4e8e\u838e\u7c89\u4e0d\u80fd\u518d\u88ab\u5f53\u4f5c\u201d\u9996\u6b21\u8d2d\u623f\u201c\uff08First-time buyer\uff09\uff0c\u6240\u4ee5\u838e\u7c89\u5c4a\u65f6\u5c06\u9700\u8981\u628a\uff08\u539f\u672c\u653f\u5e9c\u4f1a\u591a\u52a0\u7684\uff0925%\u201d\u5956\u91d1\u201c\u8fd8\u7ed9\u653f\u5e9c\uff0c\u4e5f\u5c31\u662f\u9700\u8981\u5148\u652f\u4ed8\u8fd925%\u7684\u201d\u64a4\u56de\u8d39\u7528\u201c\uff08Withdrawal Charge\uff09\u624d\u80fd\u591f\u628a\u91cc\u9762\u7684\u94b1\u62ff\u51fa\u6765\u7528\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4e0d\u8fc7\uff0c\u5f80\u597d\u5904\u770b\uff0c\u867d\u7136\u838e\u7c89\u8981\u548c\u4f34\u4fa3\u4e00\u8d77\u4e70\u623f\uff0c\u4f46\u838e\u7c89\u7684\u60c5\u51b5\u5e76\u4e0d\u5f71\u54cd\u4f34\u4fa3\u4f7f\u7528Lifetime ISA\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u5c31\u662f\u8bf4\uff0c\u5bf9\u4e8e\u4f34\u4fa3\u6765\u8bf4\uff0c\u9664\u4e86\u53ef\u4ee5\u7ee7\u7eed\u62ff\u51faLifetime ISA\u91cc\u9762\u7684\u94b1\u4e70\u623f\uff0c\u800c\u4e14\u8fd8\u662f\u53ef\u4ee5\u7ee7\u7eed\u4eab\u6709\u653f\u5e9c25%\u7684\u989d\u5916\u5956\u91d1\uff08\u8fd9\u4e00\u70b9\u5e76\u4e0d\u4f1a\u56e0\u4e3a\u838e\u7c89\u65e0\u6cd5\u83b7\u5f97\u201d\u5956\u91d1\u201c\u4e86\uff0c\u5c31\u8fde\u5e26\u5f71\u54cd\u5230\u5171\u540c\u4e70\u623f\u7684\u4f34\u4fa3\uff09\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-7272\" src=\"\/wp-content\/uploads\/2020\/11\/Copy-of-Yellow-Color-Block-Brand-_-Business-Birthday-Promo-Facebook-Cover-2.png\" alt=\"\" width=\"2050\" height=\"780\" data-id=\"7272\" srcset=\"https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Copy-of-Yellow-Color-Block-Brand-_-Business-Birthday-Promo-Facebook-Cover-2.png 2050w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Copy-of-Yellow-Color-Block-Brand-_-Business-Birthday-Promo-Facebook-Cover-2-300x114.png 300w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Copy-of-Yellow-Color-Block-Brand-_-Business-Birthday-Promo-Facebook-Cover-2-1024x390.png 1024w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Copy-of-Yellow-Color-Block-Brand-_-Business-Birthday-Promo-Facebook-Cover-2-768x292.png 768w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Copy-of-Yellow-Color-Block-Brand-_-Business-Birthday-Promo-Facebook-Cover-2-1536x584.png 1536w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Copy-of-Yellow-Color-Block-Brand-_-Business-Birthday-Promo-Facebook-Cover-2-2048x779.png 2048w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Copy-of-Yellow-Color-Block-Brand-_-Business-Birthday-Promo-Facebook-Cover-2-1320x502.png 1320w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Copy-of-Yellow-Color-Block-Brand-_-Business-Birthday-Promo-Facebook-Cover-2-600x228.png 600w\" sizes=\"(max-width: 2050px) 100vw, 2050px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u2192 \u90a3\u8981\u600e\u4e48\u6837\uff0c\u838e\u7c89\u768425%\u5956\u91d1\u624d\u80fd\u4e0d\u53d7\u5f71\u54cd\u5462\uff1f<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\u5f88\u7b80\u5355\uff0c\u5982\u679c\u838e\u7c89\u8fd8\u662f\u60f3\u8981\u7ee7\u7eed\u53d7\u76ca\u4e8e\u653f\u5e9c\u768425%\u989d\u5916\u5956\u91d1\uff0c\u90a3\u4e48\u838e\u7c89\u5c31\u9700\u8981\u628a\u63e1\u5728\u81ea\u5df1\u8fd8\u662f\u201d\u9996\u8d2d\u8005\u201c\uff08First-time buyer\uff09\u7684\u65f6\u5019\u5c31\u5148\u4e70\u623f\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4ece\u838e\u7c89\u63cf\u8ff0\u7684\u60c5\u51b5\u6765\u770b\uff0c\u4e5f\u5c31\u662f\u9700\u8981\u5728\u7ee7\u627f\u6bcd\u4eb2\u7684\u623f\u4ea7\u524d\uff0c\u5c31\u548c\u4f34\u4fa3\u5148\u4ee5\u201d\u9996\u8d2d\u8005\u201c\u7684\u540d\u4e49\u628a\u623f\u4e70\u4e86\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u503c\u5f97\u4e00\u63d0\u7684\u662f\uff0c\u5982\u679c\u838e\u7c89\u80fd\u548c\u4f34\u4fa3\u628a\u63e1\u5728\u201d\u8fd8\u662f\u9996\u8d2d\u8005\u201c\u7684\u65f6\u5019\u5c31\u4e70\u623f\uff0c\u90a3\u4e48\u4ed6\u4eec\u5728\u4e70\u623f\u7684\u65f6\u5019\uff0c\u8fd8\u80fd\u4eab\u6709First-time buyer\u7684\u5370\u82b1\u7a0e\u4f18\u60e0\u3002\u4e5f\u5c31\u662f\u8d2d\u4e70500,000\u82f1\u9551\u4ee5\u4e0b\u623f\u4ea7\u7684\u201d\u9996\u8d2d\u8005\u4f18\u60e0\u201c\uff08\u524d300,000\u9551\u4e3a0%\uff0c\u540e200,000\u9551\u4e3a5%\u5370\u82b1\u7a0e\u7684\u4f18\u60e0\uff09\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u8fd9\u662f\u56e0\u4e3a\uff0c\u5bf9\u4e8e\u201d\u5171\u540c\u4e70\u623f\u201c\u7684\u4eba\uff08\u5982\u838e\u7c89\u548c\u4ed6\u7684\u4f34\u4fa3\uff09\u6765\u8bf4\uff0c\u5982\u679c\u53ea\u6709\u5176\u4e2d\u4e00\u65b9\u7b26\u5408\u201d\u9996\u8d2d\u8005\u201c\u662f\u65e0\u6cd5\u4eab\u6709\u201d\u9996\u8d2d\u8005\u5370\u82b1\u7a0e\u4f18\u60e0\u201c\uff0c\u53ea\u6709\u53cc\u65b9\uff08\u6216\u591a\u65b9\uff09\u90fd\u5c5e\u4e8e\u201d\u9996\u8d2d\u8005\u201c\u7684\u60c5\u51b5\u4e0b\uff0c\u624d\u80fd\u9002\u7528\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u2192 \u6709\u5173Lifetime ISA\uff0c\u8fd8\u6709\u54ea\u4e9b\u9700\u8981\u77e5\u9053\u7684\uff1f<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\u60f3\u8981\u5f00\u8bbeLifetime ISA\u8d26\u6237\uff0c\u5f53\u4e8b\u4eba\u5fc5\u987b\u7b26\u5408\u4ee5\u4e0b\u6761\u4ef6\uff1a<\/p>\n<p>&nbsp;<\/p>\n<p>\u5e74\u6ee118\u5c81\u4f46\u672a\u6ee140\u5c81\uff08\u60a8\u5df2\u7ecf\u62e5\u6709\u623f\u4ea7\u4e5f\u53ef\u5f00\u6237\uff09\uff1b<\/p>\n<p>&nbsp;<\/p>\n<p>\u5c45\u4f4f\u5728\u82f1\u56fd\uff08\u6301\u6709T2\/\u6280\u672f\u5de5\u7b7e\u6216\u4f34\u4fa3\u7b49\u957f\u671f\u5c45\u4f4f\u7b7e\u8bc1\u7684\u5c45\u6c11\u4e5f\u662f\u6709\u8d44\u683c\u529e\u7406\u7684\uff09\uff1b<\/p>\n<p>&nbsp;<\/p>\n<p>\u738b\u5ba4\u6210\u5458\uff08\u5982\u5916\u4ea4\u5b98\u6216\u516c\u52a1\u5458\uff09\uff1b<\/p>\n<p>&nbsp;<\/p>\n<p>\u738b\u5ba4\u6210\u5458\u7684\u914d\u5076\u6216\u6c11\u4e8b\u4f34\u4fa3\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\uff08\u6ce8\uff1a\u4e0d\u540c\u7684Lifetime ISA\u63d0\u4f9b\u65b9\u53ef\u80fd\u4f1a\u6709\u4e0d\u540c\u7684\u8981\u6c42\uff0c\u5728\u5f00\u6237\u524d\u8bf7\u4ed4\u7ec6\u67e5\u8be2\u3002\uff09<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u2192 \u5982\u4f55\u50a8\u84c4\u91d1\u989d\u548c\u6536\u83b7\u5956\u91d1\uff1f<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\u6b63\u5982\u4e0a\u6587\u6240\u8bf4\uff0c\u60a8\u53ef\u5728Lifetime ISA\u4e2d\u6301\u6709\u73b0\u91d1\u6216\u80a1\u7968\uff0c\u4e5f\u53ef\u4e24\u8005\u517c\u5f97\u3002\u4e0d\u8fc7\uff0cLifetime ISA\u6709\u5e74\u5ea6\u9650\u989d\u548c\u5e74\u9f84\u9650\u5236\uff0c\u7528\u6237\u6bcf\u5e74\u6700\u591a\u53ea\u53ef\u5b58\u51654,000\u9551\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u5f53\u60a8\u5e74\u6ee150\u5c81\u65f6\uff0c\u5c06\u4e0d\u80fd\u518d\u5411\u60a8\u7684Lifetime ISA\u8d26\u6237\u5b58\u94b1\uff0c\u6216\u8005\u83b7\u5f97\u4efb\u4f55\uff08\u653f\u5e9c\uff09\u5956\u91d1\u3002\u4f46\u662f\uff0c\u60a8\u7684\u8d26\u6237\u53ef\u4ee5\u4fdd\u6301\u5f00\u653e\uff0c\u60a8\u7684\u50a8\u84c4\u4ecd\u5c06\u83b7\u5f97\uff08\u94f6\u884c\uff09\u5229\u606f\u6216\u6295\u8d44\u56de\u62a5\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u6b64\u5916\uff0c\u60a8\u5fc5\u987b\u8981\u572840\u5c81\u4e4b\u524d\u5411Lifetime ISA\u8d26\u6237\u50a8\u5b58\u7b2c\u4e00\u7b14\u6b3e\u9879\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u5728\u60a8\u50a8\u84c4\u8d44\u91d1\u7684\u540c\u65f6\uff0c\u653f\u5e9c\u7ed9\u4e88\u7684\u201d\u5956\u91d1\u201c\u901a\u5e38\u662f\u60a8\u6240\u652f\u4ed8\uff08\u6216\u8005\u8bf4\u201d\u5b58\u5165\u201c\u7684\uff0925%\u7684\u4ef7\u503c\u3002\u5982\u679c\u60a8\u6bcf\u5e74\u7684\u50a8\u84c4\u6700\u591a4,000\u82f1\u9551\uff0c\u90a3\u4e48\uff0c\u6700\u9ad8\u5956\u91d1\u5219\u4e3a\u6bcf\u5e741,000\u82f1\u9551\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-7344\" src=\"\/wp-content\/uploads\/2020\/11\/Chinese-Conveyancing.png\" alt=\"\" width=\"2050\" height=\"780\" data-id=\"7344\" srcset=\"https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Chinese-Conveyancing.png 2050w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Chinese-Conveyancing-300x114.png 300w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Chinese-Conveyancing-1024x390.png 1024w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Chinese-Conveyancing-768x292.png 768w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Chinese-Conveyancing-1536x584.png 1536w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Chinese-Conveyancing-2048x779.png 2048w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Chinese-Conveyancing-1320x502.png 1320w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2020\/11\/Chinese-Conveyancing-600x228.png 600w\" sizes=\"(max-width: 2050px) 100vw, 2050px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u2192 \u5982\u4f55\u63d0\u53d6\u8d44\u91d1\uff1f<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\u5982\u679c\u8d26\u6237\u6301\u6709\u4eba\u5904\u4e8e\u4ee5\u4e0b\u60c5\u51b5\uff0c\u5c31\u53ef\u4ee5\u4eceLifetime ISA\u4e2d\u63d0\u53d6\u8d44\u91d1\uff1a<\/p>\n<p>&nbsp;<\/p>\n<p>\u8d2d\u4e70\u5f53\u4e8b\u4eba\u7684\u7b2c\u4e00\u5957\u4f4f\u623f\uff1b<\/p>\n<p>&nbsp;<\/p>\n<p>\u5df2\u6ee160\u5c81\u6216\u4ee5\u4e0a\uff1b<\/p>\n<p>&nbsp;<\/p>\n<p>\u8eab\u60a3\u7edd\u75c7\uff0c\u5bff\u547d\u4e0d\u8db312\u4e2a\u6708\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u5982\u679c\u5f53\u4e8b\u4eba\u56e0\u4efb\u4f55\u5176\u4ed6\u539f\u56e0\uff08\u63d0\u65e9\uff09\u63d0\u53d6\u73b0\u91d1\u6216\u8d44\u4ea7\uff08\u4e5f\u79f0\u4e3a\u201d\u672a\u7ecf\u6388\u6743\u201c\u7684\u63d0\u53d6\uff09\uff0c\u5f53\u4e8b\u4eba\u5c06\u652f\u4ed825%\u7684\u63d0\u53d6\u8d39\u7528\uff08\u4e5f\u5c31\u662f\u524d\u8ff0\u838e\u7c89\u4f8b\u5b50\u63d0\u5230\u7684\u201d\u64a4\u56de\u8d39\u7528\u201c\uff09\u3002\u8fd9\u4e2a\u201d25%\u201c\u4e5f\u53ef\u4ee5\u88ab\u7406\u89e3\u6210\u7f5a\u91d1\uff0c\u662f\u6839\u636e\u8d26\u6237\u91cc\u50a8\u5b58\u7684\u201d\u603b\u6570\u201d\u6765\u7b97\u7684\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4e3d\u838e\u6587\u672b\u63d0\u9192\uff1a<\/p>\n<p>&nbsp;<\/p>\n<p>\u4ece\u4e70\u623f\u7684\u89d2\u5ea6\u4e0a\uff0c\u5982\u679c\u60a8\u60f3\u901a\u8fc7Lifetime ISA\u6765\u8d2d\u4e70\u623f\u4ea7\uff08\u5176\u5b9e\u5c31\u8fd9\u70b9\u4e0a\u5982\u679c\u662f\u901a\u8fc7Help To Buy ISA\u4e70\u623f\u4e5f\u662f\u4e00\u6837\uff09\uff0c\u90fd\u9700\u8981\u623f\u4ea7\u5f8b\u5e08\u6765\u5e2e\u52a9\u60a8\u7533\u8bf7\u201c\u5956\u91d1\u201d\u6216\u8005\u5c06\u8d44\u91d1\u8f6c\u79fb\uff0c\u94f6\u884c\uff08ISA\u4f9b\u5e94\u65b9\uff09\u9700\u8981\u5c06\u94b1\u8f6c\u7ed9\u60a8\u7684\u5f8b\u5e08\uff0c\u800c\u4e0d\u662f\u60a8\u672c\u4eba\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u56e0\u6b64\uff0c\u4e00\u65e6\u60a8\u51b3\u5b9a\u4f7f\u7528Lifetime ISA\u7684\u8d44\u91d1\u6765\u8d2d\u623f\uff0c\u8bf7\u8054\u7cfb\u4e00\u540d\u623f\u4ea7\u5f8b\u5e08\uff0c\u5e76\u5411\u4ed6\u4eec\u63d0\u4f9b\uff1a<\/p>\n<p>&nbsp;<\/p>\n<p>\u60a8\u60f3\u63d0\u53d6\u7684\u91d1\u989d\uff1b<\/p>\n<p>&nbsp;<\/p>\n<p>Lifetime ISA\u7684\u8be6\u7ec6\u4fe1\u606f\uff0c\u5305\u62ec\u59d3\u540d\u3001\u5730\u5740\u548c\u90ae\u653f\u7f16\u7801\uff1b<\/p>\n<p>&nbsp;<\/p>\n<p>\u63d0\u6b3e\u7684\u8d26\u6237\u53f7\u7801\uff1b<\/p>\n<p>&nbsp;<\/p>\n<p>\u9996\u6b21\u8d2d\u623f\u8005\u8bc1\u660e\uff1b<\/p>\n<p>&nbsp;<\/p>\n<p>\u4f4f\u5b85\u7269\u4e1a\u7684\u8be6\u7ec6\u5730\u5740\u548c\u8d2d\u4e70\u4ef7\u683c\uff1b<\/p>\n<p>&nbsp;<\/p>\n<p>\u8bc1\u660e\u63d0\u6b3e\u53ea\u7528\u4e8e\u652f\u4ed8\u8be5\u623f\u4ea7\u7684\u8d2d\u4e70\u4ef7\u683c\uff1b<\/p>\n<p>&nbsp;<\/p>\n<p>\u8bc1\u660e\u4e4b\u524d\u6ca1\u6709\u7533\u8bf7\u6216\u5df2\u7ecf\u7533\u8bf7\u4e0e\u8d2d\u4e70\u4efb\u4f55\u623f\u4ea7\u6709\u5173\u7684\u653f\u5e9c\u5956\u91d1\uff0c\u5982Help to buy 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Savings Account\uff08\u4e5f\u5c31\u662fISA\u4e0a\uff09\uff0c\u4e3d\u838e\u7a0e\u52a1\u4e5f\u6709\u4e00\u4e9b\u91cd\u70b9\u63d0\u793a\u60f3\u63d0\u4f9b\u838e\u7c89\u4eec\u53c2\u8003\uff1a<\/p>\n<p>&nbsp;<\/p>\n<p>ISA\u8d26\u6237\u76ee\u524d\u6709\u56db\u79cd\u5f62\u5f0f\uff1a1\uff09Cash ISA\uff08\u73b0\u91d1\u8d26\u6237\u2014\u2014Help To Buy ISA\u5b9e\u9645\u4e0a\u5c31\u662f\u4e00\u79cd\u73b0\u91d1ISA\uff09\uff1b2\uff09Stocks and Shares ISA\uff08\u80a1\u7968\u8d26\u6237\uff09\uff1b3\uff09Innovative Finance ISA\uff08\u521b\u65b0\u91d1\u878d\u5de5\u5177\u8d26\u6237\uff09\uff1b\u4ee5\u53ca4\uff09Lifetime ISA<\/p>\n<p>&nbsp;<\/p>\n<p>2021-2022\u7a0e\u5e74\u7684\u5e74\u5ea6ISA\u514d\u7a0e\u603b\u989d\u5ea6\u662f20,000\u9551\uff1bLifetime 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