Issue: No. 12 (February, 2012)

房貸資訊分享【Home Mortgage Information Update】

各位朋友，經過悠長的春節假期及各式各樣的公衆假期後，一切的商業活動也逐漸復甦起來，本公司也已經正式投入服務，若大家有任何關於房貸的查詢，請撥打電話與我聯絡。如貴親友需要房貸的服務，也請轉介給本人，我會親自為他們處理相關事宜。

Dear Friends, all business activities have already resumed after long holidays, so does my company.  Please be reminded that if you have any mortgage enquiry, you are welcome to give me a call.  I also welcome and value any of your referrals; please be assured of that your friends will receive my personal service of the same highest standard as what you have enjoyed.

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	5.65%	5.70%	5.89%	5.79%	6.45%	6.85%	7.25%
ASB Bank	5.75%	5.70%	5.80%	5.85%	6.10%	6.50%	6.90%
National Bank	5.65%	5.70%	5.89%	5.79%	6.45%	6.85%	7.25%
Westpac Bank	5.59%	5.59%	5.89%	5.79%	6.45%	6.85%	7.25%

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.
National Bank	FlexiPlus:                                       5.85% p.a.
Westpac Bank	Everyday Choice:                        5.60% p.a.

奧克蘭房產市道一月份創高峯 (Auckland Market Sees Strongest January for Four Years)

Barfoot & Thompson透露，該公司在一月份成功處理自2007年以來單月最多的成交量而且成交平均價也創新高。百萬豪宅市場更為出色，較去年同期翻了一倍。該公司預期房產市道在本年首季度會持續上揚，房價也隨着上漲。

According to Barfoot & Thompson, they sold more properties in January than they have since 2007, prices reached their highest average ever for the month, and they sold double the number of million dollar homes than they did last January.  Thompson expects to see trading in the first quarter of 2012 continue with gradual and modest price rises.

奧克蘭房價難以負擔 (Auckland Home to Least Affordable Property)

Massey 大學的房產購買力報告指出，奧克蘭的房價已達至難以負擔的地步。該大學是根據本國的銀行利率、國民的薪酬水平及房價來評估國民的房產購買力。在過去的一季度，該購買力已衰退了5.8%，這表明房價正不斷上漲。因本國最近的低息率及寬鬆的借貸條件加速買家洶湧入市。新建房減少也造成房價颷升。

According to the latest Massey University Home Affordability Report, Auckland is the least affordable place to buy a house.  The University calculates affordability by examining interest rates, wages and house prices; Auckland affordability has deteriorated 5.8% over the quarter, which means house prices are increasing.  The Report notes that one reason for the increases in house prices is due to the recent low mortgage interest rates and more relaxed lending criteria, which has made buyers active in the market.  Also, new construction is still at very low ebb.

Reference:
Auckland market sees strongest January for four years @ Landlords, 03 February, 2012
Auckland home to least affordable property @Landlords, 12 January, 2012

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.