Install
安装
- Download and double-click PWE Loan Bar.dmg.
- Drag PWE Loan Bar onto the Applications folder beside it, then eject the disk image.
- Open Applications and double-click PWE Loan Bar.
The app is signed with a Developer ID certificate and notarised by Apple, so it opens straight away — no warning to click through, and nothing to allow in System Settings. If a copy of this app ever does warn you, it did not come from us.
- 下载后双击 PWE Loan Bar.dmg。
- 把 PWE Loan Bar 拖到旁边的 Applications 文件夹,然后推出磁盘映像。
- 打开"应用程序"文件夹,双击 PWE Loan Bar。
本软件已用 Developer ID 证书签名并通过 Apple 公证, 双击即可打开 —— 没有需要点掉的警告,也不需要去系统设置里放行。如果哪一份拷贝弹出了安全警告,那份不是我们发出的。
It lives in the menu bar, not the Dock
它在菜单栏,不在 Dock
⌥▮◉
Fri 14:32
↑ Look at the very top of your screen, to the left of the clock. Click the wing to show or hide the calculator; right-click it for export, settings and quit.
↑ 请看屏幕最上方一条、时钟左边的翅膀图标。 单击打开或收起计算器窗口;右键点击可以导出、打开设置或退出软件。
Activate
激活
Fastest: click the activation link in your licence email — the app opens and activates itself.
By file: press ⌘, to open Settings, go to the License tab, and drag the .pwelicense attachment onto the box.
By paste: copy everything between the two dashed lines in your email, paste it into that same box, and click Activate.
The trial strip at the top of the window disappearing is how you know it worked.
最快:点击授权邮件里的激活链接,软件会自动打开并完成激活。
拖入:按 ⌘, 打开设置,切到 License 标签,把邮件附件里的 .pwelicense 文件直接拖进输入框。
粘贴:复制邮件里两条虚线之间的全部内容,粘贴进同一个输入框,点 Activate。
窗口顶部的试用提示条消失,就说明激活成功了。
Paste here, or drag the
.pwelicense file in
在这里粘贴,或把
.pwelicense 文件拖进来
Settings → License
设置 → License 标签页
Make it yours
换成你自己的抬头
Settings → Identity — name, company, phone, email, website and credit licence number (ACL or Cr. Rep.). These print under the title on every exported card; blank fields drop out.
Settings → Identity —— 姓名、公司、电话、邮箱、网址、信贷牌照号 (ACL 或 Cr. Rep. 编号)。这些会印在每一张导出卡片的标题下方,留空的项目自动省略。
Settings → Appearance — pick a theme, and load your logo (PNG, at least 200 px on the long edge; a transparent background works best).
Settings → Appearance —— 选择配色,并上传公司 logo (PNG 格式,长边至少 200 像素,背景透明效果最好)。
Settings → Identity. Every filled field prints under the title on an exported card, in this order. Leave one blank and it is dropped — there is no placeholder to tidy up afterwards.
Settings → Identity。填了的项目会按这个顺序 印在导出卡片的标题下方;留空的直接省略,不会留下需要事后清理的占位符。
Four keys, every day
日常四个快捷键
| ⌘E | Branded card to the clipboard, plus a PNG on the Desktop | 生成品牌卡片到剪贴板,并在桌面存一份 PNG |
| ⌘⇧C | The figures as plain text, for a file note or CRM | 把数字复制为纯文字,适合 file note 或 CRM |
| ⌘W | Close back to the menu bar — the app keeps running | 收起窗口回到菜单栏(软件仍在运行) |
| ⌘, | Settings | 打开设置 |
What every label means
英文界面对照表
The interface is in English on purpose: it keeps every term identical to what goes into a lender submission, so nothing is lost in translation between your calculation and your file note.
软件界面保持英文,是为了与你提交给银行和贷款机构的材料用词一致 —— exported card 上的每一个词,客户和信贷审批看到的都是同一套术语,不会因翻译产生歧义。
The Income tab reads top to bottom: describe the job, hand it a payslip, and it tells you what a lender will count. The numbers below match the rows in the table — the six places the tab actually asks you something or answers something.
Income 页是从上往下读的:先描述这份工作,再给它一张 payslip,它告诉你银行会认多少。 下面的编号对应表格里的行 —— 这一页真正向你提问、或者给出答案的六个位置。
- 1 Employment · Paid · Occupation
- Full-time · Hourly
- 2 Quoted includes super
- off
- 3 YTD gross · Period end
- $41,208 · 28 Feb
- 4 Annualised pace · Counted
- $99,200 · 100%
6 Use in Capacity → sends it to the next tab.
Income
| 1Employment | Full-time, part-time, casual or contractor | 雇佣类型:全职 / 兼职 / 临时工 / 合同工 |
| 1Paid | Hourly, daily, weekly, fortnightly, monthly, annual | 计薪方式:时 / 日 / 周 / 双周 / 月 / 年 |
| 1Occupation | Prefills the super rate and the shading for that industry | 职业类别,会自动带出对应的 super 比例 |
| 2Quoted amount includes super | Tick if the figure entered is a package | 报的数字是否已含 super(勾选即为含) |
| 3YTD gross | Year-to-date gross from the payslip | payslip 上的本财年累计税前收入 |
| 3Period end | The end date of that payslip | 该 payslip 的结算日 |
| 4Annualised pace | What the year-to-date figure projects to | 按目前进度折算的年收入 |
| 4Counted | How much of that income is being counted | 该项收入被计入的比例 |
| 5Assessable income | The figure serviceability runs on | 可评估收入 —— 送去算借贷能力的数字 |
| 6Use in Capacity | Sends it to the Capacity tab | 把该结果填入借贷能力页 |
Capacity
| Gross income | Household income before tax | 家庭税前年收入 |
| Dependants | Number of dependants | 抚养人数 |
| Other commitments | Monthly debt repayments | 每月其他负债支出 |
| APRA buffer | Assessment rate margin, usually 3% | 审批加压利率(通常 3%) |
| DTI cap | Debt-to-income limit | 负债收入比上限 |
| Limited by | Which test is the binding constraint | 当前瓶颈在哪一项 |
Repayment
| Loan amount | Amount borrowed | 贷款金额 |
| Offset balance | Offset account balance | 对冲账户余额 |
| Term | Loan term in years | 贷款年限 |
| P&I / Interest Only | Principal and interest, or interest only | 本息同还 / 只还利息 |
| Extra | Additional repayment each period | 每期额外还款 |
| Rate comparison | Two rates priced side by side | 两个利率并排对比 |
| Total payable | Total paid over the whole term | 整个贷款期总支出 |
Upfront
| Purchase price | Contract price | 购买价格 |
| Deposit (cash) | Cash deposit | 现金首付 |
| First home / Owner occ. / Investor | Buyer type | 首次购房 / 自住 / 投资 |
| Established / New / Vacant land | Property type | 二手房 / 新房期房 / 空地 |
| Transfer duty | Stamp duty | 印花税 |
| Concession applied | Discount that applies | 已适用的优惠减免 |
| LVR | Loan-to-value ratio | 贷款价值比 |
| Funds to complete | Cash needed at settlement | 过户当天需准备的现金总额 |
If something looks wrong
常见问题
“I opened it and nothing happened”
「打开了但什么都没发生」
It is running — look at the menu bar, not the Dock.
它已经在运行了 —— 请看屏幕顶部的菜单栏,不是 Dock。
“This licence key is not valid”
「提示授权码无效」
Usually a partial copy. Select from -----BEGIN through -----END----- inclusive and paste again.
通常是没复制全。请从 -----BEGIN 一直选到 -----END-----(含两行虚线)重新粘贴。
“My exports have a watermark”
「导出的图片上有斜纹水印」
The app is not activated yet — check Settings → License.
说明还没激活,请到 Settings → License 检查。
“I have a new Mac”
「换了新电脑」
Same key, nothing to deactivate first. Anything else: reply to your licence email.
用同一个授权码即可,不需要先解绑。其他问题请直接回复授权邮件。
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 arrives as a zip: unzip it
and run PWE Loan Bar.exe — there is no installer, nothing written outside the
folder you put it in, and no separate .NET download. Your licence covers both: the same key activates your Mac and your PC,
so there is nothing extra to buy.
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。
下载的是一个 zip:解压后直接运行
PWE Loan Bar.exe —— 没有安装程序,不会在你放它的文件夹之外写任何东西,
也不需要另外下载 .NET 运行库。授权两端通用:同一个授权码即可激活
Mac 和 Windows,无需重复购买。