Issue: No. 16 (October, 2012)

房貸資訊分享【Home Mortgage Information Update】

茲因過去數月本人的貸款業務太繁重，故無奈將這通訊暫停刋出，敬請大家原諒。由於最近獲得額外協助，本人决定將通訊復刋，好讓大家能擁有一個平臺，共同分享有關房貸方面的最新資料。

I apologize that this Update has reluctantly been suspended for the last few months since I was busy dealing with a spate of mortgage enquiries and loan applications and was unable to spend the time in editing all those information for the Update.  Thankfully I have obtained extra assistance in this month, which enables me to put the Update in print again.  I hope that you and I can have a common platform to share and enjoy the latest news of home mortgage. 

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	*4.95%	*4.95%	5.49%	5.39%	5.90%	6.20%	6.60%
ASB Bank	5.45%	5.45%	5.45%	5.25%	5.90%	6.150%	6.50%
National Bank	*4.95%	*4.95%	5.49%	5.39%	5.90%	6.20%	6.60%
Westpac Bank	5.25%	5.25%	5.40%	5.40%	5.90%	5.99%	5.99%

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.
National Bank	FlexiPlus: 5.85% 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4.95%, 二年4.99%或浮動5.15%。(*: 受特別條件限制) 。

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 4.95%, a 2-year rate of 4.99% and a floating rate of 5.15%.  (* with special conditions apply).

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 and they will surely receive our highest quality service as same as what you have been enjoying.  Thank you for your continuous support. 

投資有道? (What should we be investing in?)

根據最新的Crockers Property Investment Index Survey調查報告指出，受訪者中有87% 曾投資於住屋房產，穩佔投資首位，股票及定期存款順列第二及第三位，分佔46% 及40%。投資於管理基金約24%、商業樓房18%、債卷13% 及貨幣8%。

當受訪者被要求試列舉出他們認為在過去一年中三種最安全及最冒險的投資時，大家均同意將財富投資於住屋房產及定期存款最為安全；反之，股票、貨幣及期貨為最具風險的投資工具。

另受訪者被問及何種投資最能促進本國經濟時，大家均認為投資於住房市場對本國經濟是缺乏推動能力的，因所投進的資金均被鎖定在樓房上，而不像其他選擇如股票那樣能靈活增值。受訪者中有49%認為本國政府應鼓勵股票投資以促進經濟發展，其次40%認為應協助住房投資，35%為定期存款及27%為商業樓房。

According to this month’s Crockers Property Investment Index Survey, 87% of the Crockers sample had residential property investments.  At a distant 2nd and 3rd respectively were shares/stocks (46%) and term deposits (40%).  The others such as 24% of them had invested in managed funds, but commercial property (18%), bonds (13%) and currency (8%).

The survey asked its sample to nominate the 3 investment types that they have become safer over the last 12 months and also those that they perceive to have become riskier.  As shown in the result, shares, currency and commodities are much more likely to be regarded as having become riskier; in comparison, residential property and term deposits have become more attractive for those seeking a safer place for their money.

When the respondents were asked what they thought were the investment options to improve the NZ economy, one of their common criticisms of the NZ residential property market is that it is ‘non-productive’ investment that sees significant wealth locked into property, and investment capital diverted from potentially more productive options such as shares.  Investing in the share market was the most commonly cited; 49% of the sample believed that it needed more Government support of some kinds.    This was followed by residential property investment at 40%, term deposits 35%, and commercial property at 27%. 
 
奧克蘭住房銷情概覽 (Auckland Sales Review)

根據Crockers Market Research Issue 84 報導，冬天是本國房地產市場的傳統淡季，但今年的冬天沒有對奧克蘭的住房市道潑下冷水，七至八月間的住房銷情反見暢旺，住房成交達2,378宗，這令人雀躍的數字也祗曾在六年前出現過。隨着銷情上揚，房價也暴漲；近月奧市住房中位售價達$505,500，較去年同期大幅超出$52,000。若大家對奧市在2007 至2012 年間住房銷售宗數及中位售價有興趣的話，請登入: www.crockers.co.nz/media/60616/cmr%20oct%2012%20web.pdf

As indicated in the Crockers market Research Issue 84, the traditional winter dip has been less pronounced than normal, and the July-august period actually saw an increase in sales numbers at 2,378, which has only happened once before in the six years.  Against this backdrop the median sales price has lifted to $505,500 in the recent months, which is the substantial $52,000 higher than the same month last year.  If you are interested in learning how the sales numbers and median sales prices of the residential property in Auckland have been running between 2007 and 2012, please visit:
  www.crockers.co.nz/media/60616/cmr%20oct%2012%20web.pdf

奧克蘭樓房出租市道概覽 (Auckland Rental Review)

現時奧市兩房物業可賺取平均租金約每週$387，明顯較過往有較大升幅，這得益於市場供求失衡所至。奧市的兩房租金收益獨領風騷，較本國其他地區領前21%。
但奧市三房物業的租金收益表現較兩房物業稍為遜色，平均為每週$497，且較前期輕微下挫。縱使如此，奧市的三房物業仍較其他地區超前38%。

若大家對奧市在2007 至2012 年間兩房及三房的租金市道有興趣的話，請登入: www.crockers.co.nz/media/60616/cmr%20oct%2012%20web.pdf

Currently 2-bedroom Auckland properties are being rented for $387 per week on average; this is a notable increase against the usual later-winter trend, which normally sees rentals moving only slightly and more often down than up.  There is clearly a supply and demand imbalance occurring.  The premium that Auckland rentals are commanding compared to those elsewhere in New Zealand continues, with Auckland now charging an average 21% premium. 

However, the 3-bedroom market is slightly different; the average weekly rentals at $497 for those Auckland properties have actually decreased slightly.  Despite this, the premium of those Auckland 3-bedroom properties compared to those elsewhere is much better, at 38%.

If you are interested in learning the trend of Auckland 2-bedroom and 3-bedroom residential property weekly rentals between 2007 and 2012, please visit:
  www.crockers.co.nz/media/60616/cmr%20oct%2012%20web.pdf

奧克蘭新興的投資屋熱點 (The Recently-Popular Rental Property Investment Locations in Auckland)

雖然奧克蘭中區向往是大家心中的投資熱點，但近期西區及南區對投資者來說開始具有吸引力。在過去二個月，對南區表示有興趣者增加了12%，大幅颷升至27%；而對西區有興趣者也上升了7%，達到24%。

當論及投資回報的增長，根據REINZ的統計，在過去的12個月，奧克蘭中區表現最優，投資回報平均有4.5% (這包括較大比數的公寓大樓) 。Manukau 區屈居次席，仍有4.4%。北岸區陪末席，祗有3.8%。但Crockers Market Research 預估Manukau 區將會超越中區，成為最佳投資回報的區份。

若大家對奧市在2007 至2012 年間投資回報率有興趣的話，請登入: www.crockers.co.nz/media/60616/cmr%20oct%2012%20web.pdf

Although Auckland Central continues to be the area most commonly cited as a future growth area, recent months have seen West and South Auckland become notably more attractive to property investors.  Over the last two months, the proportion citing South Auckland has increased from 15% to 27%, and those nominating West Auckland have increased 7% to 24%.

When ROI (return on investment) is concerned, as per the statistics by REINZ, over the last 12 months, Auckland Central (which includes a greater proportion of apartments than other areas) has the best estimated average ROI (4.5%) while Manukau properties have 4.4%.  The North Shore properties have the lowest returns at 3.8%. 

However, Crockers Market Research estimates that Manukau will tend to be the best returns across the Auckland rental market, followed by those in Auckland Central.
If you are interested in learning the trend of Return on Investment in Auckland  between 2007 and 2012, please visit:
  www.crockers.co.nz/media/60616/cmr%20oct%2012%20web.pdf

Reference:
Crockers Market Research Issue 84 October 2012 @ www.crockeers.co.nz/media/60616/cmr%20oct%2012%20web.pdf

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

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.