<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Marl Finance]]></title><description><![CDATA[Home loans, commercial finance, wealth and business support.

]]></description><link>https://www.marl.com.au/blog</link><generator>RSS for Node</generator><lastBuildDate>Thu, 05 Nov 2026 10:27:28 GMT</lastBuildDate><atom:link href="https://www.marl.com.au/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[公司可以申请贷款购买设备或车辆吗？]]></title><description><![CDATA[公司买设备或车辆可以做融资吗？比较动产抵押贷款、租购和租赁，并了解澳洲税务局（ATO）对税务处理的说明。]]></description><link>https://www.marl.com.au/zh/post/%E5%85%AC%E5%8F%B8%E5%8F%AF%E4%BB%A5%E7%94%B3%E8%AF%B7%E8%B4%B7%E6%AC%BE%E8%B4%AD%E4%B9%B0%E8%AE%BE%E5%A4%87%E6%88%96%E8%BD%A6%E8%BE%86%E5%90%97%EF%BC%9F</link><guid isPermaLink="false">6aec3c0c28a99e3564f82cea</guid><pubDate>Thu, 05 Nov 2026 08:19:25 GMT</pubDate><dc:creator>Keith Ho</dc:creator></item><item><title><![CDATA[Can I get finance to buy equipment or a vehicle for my business?]]></title><description><![CDATA[Can your business finance equipment or a vehicle? Compare chattel mortgages, hire purchase and leases, and see what the ATO says about tax.]]></description><link>https://www.marl.com.au/post/can-i-get-finance-to-buy-equipment-or-a-vehicle-for-my-business</link><guid isPermaLink="false">6aec3c0c448fdf7720a0ad9e</guid><pubDate>Thu, 05 Nov 2026 08:19:25 GMT</pubDate><dc:creator>Keith Ho</dc:creator></item><item><title><![CDATA[维州小企业主有哪些商业贷款选择？]]></title><description><![CDATA[维州小企业主可以考虑哪些商业贷款？用浅白的方式介绍主要融资类型，以及官方资料怎么说。]]></description><link>https://www.marl.com.au/zh/post/%E7%BB%B4%E5%B7%9E%E5%B0%8F%E4%BC%81%E4%B8%9A%E4%B8%BB%E6%9C%89%E5%93%AA%E4%BA%9B%E5%95%86%E4%B8%9A%E8%B4%B7%E6%AC%BE%E9%80%89%E6%8B%A9%EF%BC%9F</link><guid isPermaLink="false">6aec3bd872a02c93e9f5edce</guid><pubDate>Thu, 05 Nov 2026 08:18:33 GMT</pubDate><dc:creator>Keith Ho</dc:creator></item><item><title><![CDATA[Business loan options for small business owners in Victoria]]></title><description><![CDATA[What business loan options can Victorian small business owners consider? A plain-English guide to the main finance types and what the official sources say.]]></description><link>https://www.marl.com.au/post/business-loan-options-for-small-business-owners-in-victoria</link><guid isPermaLink="false">6aec3bd8741499424632bf5b</guid><pubDate>Thu, 05 Nov 2026 08:18:33 GMT</pubDate><dc:creator>Keith Ho</dc:creator></item><item><title><![CDATA[通过贷款经纪（broker）重新融资（refinance）房贷，值得吗？]]></title><description><![CDATA[房贷转贷（refinance）值不值得？根据 ASIC 和 MoneySmart 的指引，了解要核算的费用、如何比较贷款，以及经纪的角色。]]></description><link>https://www.marl.com.au/zh/post/%E9%80%9A%E8%BF%87%E8%B4%B7%E6%AC%BE%E7%BB%8F%E7%BA%AA%EF%BC%88broker%EF%BC%89%E9%87%8D%E6%96%B0%E8%9E%8D%E8%B5%84%EF%BC%88refinance%EF%BC%89%E6%88%BF%E8%B4%B7%EF%BC%8C%E5%80%BC%E5%BE%97%E5%90%97%EF%BC%9F</link><guid isPermaLink="false">6aec3b7af6137ed4a72ff3ad</guid><pubDate>Thu, 05 Nov 2026 08:16:59 GMT</pubDate><dc:creator>Keith Ho</dc:creator></item><item><title><![CDATA[Is it worth refinancing my home loan with a broker?]]></title><description><![CDATA[Is refinancing your home loan worth it? Learn the costs to check, how to compare loans and what a broker does, using ASIC and MoneySmart guidance.]]></description><link>https://www.marl.com.au/post/is-it-worth-refinancing-my-home-loan-with-a-broker</link><guid isPermaLink="false">6aec3b7ab4af97e1a5f296c5</guid><pubDate>Thu, 05 Nov 2026 08:16:58 GMT</pubDate><dc:creator>Keith Ho</dc:creator></item><item><title><![CDATA[贷款经纪（mortgage broker）还是直接找银行：哪个更适合你？]]></title><description><![CDATA[贷款经纪还是直接找银行？了解两者的分别、经纪的佣金由谁支付、最佳利益义务是什么，以及选择前该问的问题。]]></description><link>https://www.marl.com.au/zh/post/%E8%B4%B7%E6%AC%BE%E7%BB%8F%E7%BA%AA%EF%BC%88mortgage-broker%EF%BC%89%E8%BF%98%E6%98%AF%E7%9B%B4%E6%8E%A5%E6%89%BE%E9%93%B6%E8%A1%8C%EF%BC%9A%E5%93%AA%E4%B8%AA%E6%9B%B4%E9%80%82%E5%90%88%E4%BD%A0%EF%BC%9F</link><guid isPermaLink="false">6aec3b3712d1ee84d69efad2</guid><pubDate>Thu, 05 Nov 2026 08:15:51 GMT</pubDate><dc:creator>Keith Ho</dc:creator></item><item><title><![CDATA[Mortgage broker vs going directly to the bank: which is better?]]></title><description><![CDATA[Mortgage broker or bank? How each works, who pays a broker, what the best interests duty means, and the questions to ask before you choose.]]></description><link>https://www.marl.com.au/post/mortgage-broker-vs-going-directly-to-the-bank-which-is-better</link><guid isPermaLink="false">6aec3b364c5b2b2938b6b5ef</guid><pubDate>Thu, 05 Nov 2026 08:15:51 GMT</pubDate><dc:creator>Keith Ho</dc:creator></item><item><title><![CDATA[墨尔本买房，过户代理（conveyancer）做什么？]]></title><description><![CDATA[墨尔本买房，过户代理做什么？了解他们的工作、维多利亚州谁可以执业，以及聘请前该问什么。]]></description><link>https://www.marl.com.au/zh/post/%E5%A2%A8%E5%B0%94%E6%9C%AC%E4%B9%B0%E6%88%BF%EF%BC%8C%E8%BF%87%E6%88%B7%E4%BB%A3%E7%90%86%EF%BC%88conveyancer%EF%BC%89%E5%81%9A%E4%BB%80%E4%B9%88%EF%BC%9F</link><guid isPermaLink="false">6aeabb42d6cd49b459fcf106</guid><pubDate>Wed, 04 Nov 2026 04:57:38 GMT</pubDate><dc:creator>Keith Ho</dc:creator></item><item><title><![CDATA[Buying a home in Melbourne: what does a conveyancer do?]]></title><description><![CDATA[What does a conveyancer do when you buy in Melbourne? Learn what they check, who can act in Victoria, and what to ask before you hire one.]]></description><link>https://www.marl.com.au/post/buying-a-home-in-melbourne-what-does-a-conveyancer-do</link><guid isPermaLink="false">6aeabb42d1b2af828f77ba48</guid><pubDate>Wed, 04 Nov 2026 04:57:38 GMT</pubDate><dc:creator>Keith Ho</dc:creator></item><item><title><![CDATA[记账员和 BAS 代理：需要两个都请吗？]]></title><description><![CDATA[记账员、BAS 代理和注册税务代理有什么不同？了解谁需要在 TPB 注册、怎样查询，以及你自己仍要负责什么。]]></description><link>https://www.marl.com.au/zh/post/%E8%AE%B0%E8%B4%A6%E5%91%98%E5%92%8C-bas-%E4%BB%A3%E7%90%86%EF%BC%9A%E9%9C%80%E8%A6%81%E4%B8%A4%E4%B8%AA%E9%83%BD%E8%AF%B7%E5%90%97%EF%BC%9F</link><guid isPermaLink="false">6aeabb4171f92d995851edf1</guid><pubDate>Wed, 04 Nov 2026 04:57:37 GMT</pubDate><dc:creator>Keith Ho</dc:creator></item><item><title><![CDATA[Bookkeeper vs BAS agent: do you need both?]]></title><description><![CDATA[Bookkeeper, BAS agent or registered tax agent? Learn who needs to be registered, how to check the TPB register, and what you still own.]]></description><link>https://www.marl.com.au/post/bookkeeper-vs-bas-agent-do-you-need-both</link><guid isPermaLink="false">6aeabb40d1b2af828f77ba40</guid><pubDate>Wed, 04 Nov 2026 04:57:37 GMT</pubDate><dc:creator>Keith Ho</dc:creator></item><item><title><![CDATA[小生意用公司还是信托架构？]]></title><description><![CDATA[澳洲小企业该用公司还是信托？用通俗的话比较所有权、责任、税务、行政负担和灵活性，并说明怎样做决定。]]></description><link>https://www.marl.com.au/zh/post/%E5%B0%8F%E7%94%9F%E6%84%8F%E7%94%A8%E5%85%AC%E5%8F%B8%E8%BF%98%E6%98%AF%E4%BF%A1%E6%89%98%E6%9E%B6%E6%9E%84%EF%BC%9F</link><guid isPermaLink="false">6aeabb3f3e299f5f8da41ae1</guid><pubDate>Wed, 04 Nov 2026 04:57:36 GMT</pubDate><dc:creator>Keith Ho</dc:creator></item><item><title><![CDATA[Company or trust for a small business in Australia?]]></title><description><![CDATA[Company or trust for your small business? A plain-language comparison of ownership, liability, tax, admin and flexibility, and how to decide.]]></description><link>https://www.marl.com.au/post/company-or-trust-for-a-small-business-in-australia</link><guid isPermaLink="false">6aeabb3f7f182ee42f915c32</guid><pubDate>Wed, 04 Nov 2026 04:57:35 GMT</pubDate><dc:creator>Keith Ho</dc:creator></item><item><title><![CDATA[小企业后台行政支援：哪些工作可外包？]]></title><description><![CDATA[澳洲小企业的后台和行政工作可以找谁帮忙？哪些任务适合外包？一份清楚易懂的指南，适合墨尔本华人店主参考。]]></description><link>https://www.marl.com.au/zh/post/%E5%B0%8F%E4%BC%81%E4%B8%9A%E5%90%8E%E5%8F%B0%E8%A1%8C%E6%94%BF%E6%94%AF%E6%8F%B4%EF%BC%9A%E5%93%AA%E4%BA%9B%E5%B7%A5%E4%BD%9C%E5%8F%AF%E5%A4%96%E5%8C%85%EF%BC%9F</link><guid isPermaLink="false">6aeabb3dd2cdbf8164ed9d4e</guid><pubDate>Wed, 04 Nov 2026 04:57:34 GMT</pubDate><dc:creator>Keith Ho</dc:creator></item><item><title><![CDATA[Back-office support for small business: what to outsource]]></title><description><![CDATA[Who can help with back-office and admin for a small Australian business, and which tasks are worth outsourcing? A plain guide.]]></description><link>https://www.marl.com.au/post/back-office-support-for-small-business-what-to-outsource</link><guid isPermaLink="false">6aeabb3d7f182ee42f915c2c</guid><pubDate>Wed, 04 Nov 2026 04:57:34 GMT</pubDate><dc:creator>Keith Ho</dc:creator></item><item><title><![CDATA[雇用海外员工：选中国还是菲律宾？]]></title><description><![CDATA[澳洲小企业想雇海外员工？比较中国与菲律宾在法律责任、隐私、知识产权和服务商核查上的差异，并了解安全起步的步骤。]]></description><link>https://www.marl.com.au/zh/post/%E9%9B%87%E7%94%A8%E6%B5%B7%E5%A4%96%E5%91%98%E5%B7%A5%EF%BC%9A%E9%80%89%E4%B8%AD%E5%9B%BD%E8%BF%98%E6%98%AF%E8%8F%B2%E5%BE%8B%E5%AE%BE%EF%BC%9F</link><guid isPermaLink="false">6aea757a862eaa94da0be545</guid><pubDate>Wed, 04 Nov 2026 00:14:40 GMT</pubDate><dc:creator>Keith Ho</dc:creator></item><item><title><![CDATA[Hiring offshore staff: China or the Philippines?]]></title><description><![CDATA[China or the Philippines for offshore staff? Compare legal duties, privacy, IP and provider checks, and learn how to start safely.]]></description><link>https://www.marl.com.au/post/hiring-offshore-staff-china-or-the-philippines</link><guid isPermaLink="false">6aea706abc7fa2636a7203bd</guid><pubDate>Wed, 04 Nov 2026 00:14:39 GMT</pubDate><dc:creator>Keith Ho</dc:creator></item></channel></rss>