Issue: No. 37 (September, 2014)

房貸資訊分享【Home Mortgage Information Update】

本國大選戰已經結束，塵埃已經落定，國家黨勝出，總理John Key先生成功再連任三年。估計新一任政府會改革經濟政策、勞工法、地方政府及資源管理法。同時希望新任政府會加強協助首次置業者，為大家創造一個和諧的社會。

若大家對房貸有任何查詢，可用電郵aamortgage@xtra.co.nz 或致電021-322113 直接跟我聯系。

The election is over and the National Party has won.  Mr. John Key is our prime minister again for tenure of another 3 years.  I think the newly-elected Government will implement reforms in economy, labour laws, city council and Resource Management Act.  I also hope that the Government will proactively help those first-home buyers settle in a peaceful and harmonious country.

For all your enquiries about home loan, please feel free to talk to me (Anita) by phone at 021-322113 or by email to aamortgage@xtra.co.nz

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	5.95%	5.75%*	6.25%	5.99%*	6.49%	6.95%	7.15%
ASB Bank	5.80%	6.09%	6.30%	5.99%*	6.19%*	6.80%	6.99%
Westpac Bank	5.80%	6.09%	6.30%	5.99%*	6.19%*	6.79%	6.99%
Co-op Bank	5.90%	5.95%	5.89%	5.99%	6.19%	6.75%	6.89%

* Special condition applies (受特別條件限制)

主要銀行 Major Banks	Revolving Credit Facility
ANZ Bank	FlexiPlus: 6.85% p.a.
ASB Bank	ORBIT Home Loan: 6.75% p.a.
Westpac Bank	Everyday Choice: 6.75% p.a.
Co-op Bank	Revolving: 6.70% 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: 固定一年 5.45% 及 二年5.75% (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 example is: 5.45% for 1-year and 5.75% for 2-year (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 people 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.

房產協會：必須儘快改革資源管理法 (Tackle RMA first: Property Council)

房產協會希望剛勝選的政府會優先處理資源管理法案的改革事宜。協會續稱這個改革方案必須能保證本地的建房業能有效地運行，其中供城市發展的土地資源量將是一個決策因素。其他的改革提議包括高效用的運輸網絡及天然災害的對策。

協會執行官表示，這個改革方案必須要為本國提供一個更穩定及更一致的遠景。改革的重點是本國需要一個更有效益的建房業，而且土地的供應能更有效地配合人口的變更及城市發展的需求。政府必須立刻行動，好讓本國人民更快受惠。

The Property Council wants the newly-elected Government to prioritise the Resource Management Act reforms.  It said the reforms must include provisions to ensure the effective functioning of the built environment, including the availability of land for urban expansion and development, are appropriately factored into decision making processes.  Other changes should allow for the e3fficient provision of infrastructure and methods to deal with the impacts of natural hazards.

Chief executive Connal Townsend said the reforms needed to provide more consistency and certainty across the country.  “The effective functioning of the built environment and the availability of land to support changes in population and urban development demand are at the heart of these reforms and to progress.  With a clear mandate, the Government should now press forward with these changes so the country can reap the benefits sooner.”

Reference:
Tackle RMA first: Property Council @ www.landlords.co.nz on 22/09/2014

Note: All Chinese translations exhibited 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 regard to your investment planning.