Issue: No. 22 (May, 2013)

房貸資訊分享【Home Mortgage Information Update】

最近奧市房價激升，房源漸緊，很多房產買賣都是在拍賣場成交。故此，若各位朋友或貴親友正打算購置房屋，建議大家請先跟本公司張小姐聯系，向銀行申請預批貸款。這樣，大家便可在拍賣場安心出價，輕輕鬆鬆便奪得理想的快樂窩。歡迎大家致電09-535 6818 或用電郵aamortgage@xtra.co.nz 跟本公司張小姐聯系，謝謝。

The housing price in Auckland keeps soaring and the housing supply there is tightening; in particular, a lot of houses have recently been sold by auction.  Therefore, if you or your friends are planning to buy a property, you please talk to our Miss Cheung in the first instance; we suggest that you better apply for a pre-approval loan before you attend an auction.  With the loan ready on hands, you are most likely to make a bid more comfortably and more confidently and you may have a greater chance to win the deal.  We are here especially for you; we welcome you to talk to our Miss Anita Cheung by phone at 09-535 6818 or by email to aamortgage@xtra.co.nz; thank you very much. 

銀行房貸利率參考表 (Bank Home Loan Interest Rates)

主要銀行 Major Banks	固定年利率 (Fixed Rates Per Annum)
	六個月 6 Months	一年 12 Months	十八個月  18 Months	二年 24 Months	三年 36 Months	四年 48 Months	五年 60 Months
ANZ Bank	5.45%	5.19%	5.49%	5.45 %	5.80%	6.10%	6.30%
ASB Bank	5.45%	5.19%	5.45%	5.45%	5.75%	5.95%	6.25%
Westpac Bank	5.19%	*5.09%	5.40%	5.40%	5.90%	6.15%	6.25%

主要銀行 Major Banks	Revolving Credit Facility
ANZ Bank	FlexiPlus: 5.85% p.a.
ASB Bank	ORBIT Home Loan: 5.75% p.a.
Westpac Bank	Everyday Choice: 5.75% p.a.

請注意，以上各利率祗作參考之用。本公司必定為客户爭取最優惠利率。最近案例：如一年4.85%, 或二年4.90%. (受特別條件限制) 。* 只適用於80% 以下貸款額。

希望各位朋友把握現時的良機，享受本公司為大家爭取到的各種優惠。本公司定竭盡所能，為大家解决房貸的疑難，若貴親友需要房貸服務，也請告知，本人定會親自跟他們聯系。多謝大家的支持。

Your attention please!  The above interest tables show carded rates for your banking reference only.  Our company will do our best to get the most favorable mortgage interest for you.  The recent examples are: a 1-year fixed rate of 4.85% and a 2-year rate of 4.90% (special conditions apply).  *Applies only for the lending amount less than 80%.

We hope that you would take this unique opportunity to enjoy all of those benefits that we strive to offer to you.    We promise you our best service.  Please refer to us those you know who are in need of home mortgage; they will surely receive our highest quality service as same as what you have been enjoying.  Thank you for your continuous support. 

房價雖暫放緩但未惠澤首置買家 (Price growth slowing but no let-up in sight for first-home buyers: QV)

本國QV專家指出，對於那些打算在奧市首置的人仕來說，很多事情在這陣子都變得不易為。最新QV統計數字顯示，本國現時房價較上次房市高峯期時更超出3.3%，對比去年也上升了6.5%。

QV研究部主管稱本國的房價確實曾不斷攀升，但在某些主要城市房價已有些微放緩下來的跡象。QV 專家認為這可歸因於房價已達至難以負荷的地步；他續稱一些準買家唯有望天打卦，祈求房價能回落至大家都可承擔的水平。但房市現時十分火紅，除非你有富爸媽，否則無人能購置首套房子。

該專家說房價在未來12個月都會繼續上揚，"我看不見有下跌的勢頭。"

Things won’t get any easier for first-home buyers in Auckland for a while yet, according to Quotable Value’s local expert, Kerry Stewart.  The latest QV statistics show nationwide house prices are now 3.3% above their previous market peak and have increased 6.5% over the past year. 

Research director Jonno Ingerson said nationwide values were increasing but there were signs that the rate of increase had slowed a bit in the main centers.  Stewart said the slowing in price growth could be because the market had hit the point where people were being priced out.  He said some buyers were waiting to see if houses became more affordable.  “The market is getting to the stage where trying to get a first home is damn near impossible unless you have wealthy parents.”

He said prices would likely increase over the next 12 months.  “I don’t see a decrease.”

〝世外桃源〞的品牌吸引買家 (Clean, green image will attract buyers:  Alexander)

BNZ 首席經濟師再次呼籲本國政府必須推行有關外國人仕購買本土房產的措施。該經濟師最近聯同地產仲介調查發現，非本國居民的亞裔買家在數量上相對較少，但他認為這數字會節節上升。

他續稱現時中國境內空氣汚染日趨嚴重，人們正熱烈討論移民的問題，最起碼也要把孩子弄往國外。中國的父母愈來愈希望把自己的孩子送來紐西蘭就學，他們也就順道置業讓孩子居住。該經濟師說本國並沒有法例去監控這些海外人仕在本國購置房產；現時是時候政府要正視這個問題了。

BNZ chief economist Tony Alexander has renewed his calls for New Zealand to implement a policy regarding foreign purchasers buying Kiwi properties.  Although he did some research with real estate agents recently that showed the number of non-resident Asian buyers purchasing property was comparatively low, he said it would increase. 

“Concerns about air pollution in China are soaring and people are talking more and more about migrating or at least getting their children out of the country.”  He said Chinese parents would increasingly want to send their children to New Zealand to study, and would want to purchase houses for them to live in while they did so.  “At the moment there are no rules for city purchases.”  Now was the time for Government to act and implement some policies, he said. 

Reference:
Price growth slowing but no let-up in sight for first-home buyers: QV @Landlords.co.nz on 09/04/2013
Clean, green image will attract buyers: Alexander @Landlords.co.nz on 26/04/2013

若大家有各種關於房貸的查詢，歡迎大家撥打09-5356818 或傳遞電郵至aamortgage@xtra.co.nz與張小姐聯系。

If you have any home loan inquiry, you are welcome to discuss it with Anita by phone at 09-5356818 or by email to aamortgage@xtra.co.nz

Note: All Chinese translations contained in this newsletter are subject to the English versions (此通訊中所有中文譯本，均以英文為準。)

Disclaimer: The information given in this newsletter is of a general nature and does not constitute specific professional advice in regards to your investment planning.