Issue: No. 3 (June, 2011)

房貸資訊分享【Home Mortgage Information Update】

各位朋友，很快又踏入六月份了。近日本地天氣乍暖乍寒，請大家小心身體，注意飲食。這次我除了繼續為大家送上最新銀行利率及物業市場的相關報導外，我更設計了一份每週供款表讓大家作日常參考之用。

Greetings!  Time flies, another month has gone; we are now in the month of June. Recently the weather has been very unstable, please mind your health and have more nutritious food.  In this issue, except the routine reports of home loan interest rates and property market trends, I will show you Home Loan Repayment Table. 

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	5.99%	5.95%	6.29%	6.49%	6.99%	7.45%	7.70%
ASB Bank	5.85%	5.95%	6.20%	6.40%	6.90%	7.30%	7.60%
National Bank	6.35%	5.95%	6.29%	6.49%	6.99%	7.45%	7.70%
Westpac Bank	5.59%	5.95%	6.20%	6.40%	6.90%	7.30%	7.60%

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	5.99%	5.95%	6.29%	6.49%	6.99%	7.45%	7.70%
ASB Bank	5.85%	5.95%	6.20%	6.40%	6.90%	7.30%	7.60%
National Bank	6.35%	5.95%	6.29%	6.49%	6.99%	7.45%	7.70%
Westpac Bank	5.59%	5.95%	6.20%	6.40%	6.90%	7.30%	7.60%

房貸每週供款表〔Home Loan Weekly Repayments Table〕

Amount ($,000)	150	150	150	200	200	200	250	250	250	300	300	300	350	350	350	400	400	400
Years	20	25	30	20	25	30	20	25	30	20	25	30	20	25	30	20	25	30
5.00%	228	202	186	304	270	248	380	337	310	457	405	371	533	472	433	609	539	495
5.25%	233	207	191	311	276	255	388	345	318	466	415	382	544	484	446	621	553	509
5.50%	238	212	196	317	283	262	397	354	327	476	425	393	555	496	458	634	566	524
5.75%	243	218	202	324	290	269	405	363	336	486	435	404	567	508	471	647	580	538
6.00%	248	223	207	330	297	277	413	371	346	496	446	415	578	520	484	661	594	553
6.25%	253	228	213	337	304	284	421	380	355	506	456	426	590	532	497	674	608	568
6.50%	258	234	219	344	311	292	430	389	364	516	467	437	602	545	510	688	623	583
6.75%	263	239	224	351	319	299	438	398	374	526	478	449	614	558	524	701	637	598
7.00%	268	245	230	358	326	307	447	407	384	536	489	460	626	570	537	715	652	614
7.25%	273	250	236	364	333	315	456	417	393	546	500	472	638	583	551	729	667	629
7.50%	279	256	242	371	341	323	464	426	403	557	511	484	650	596	565	743	682	645
7.75%	284	261	248	379	348	330	473	435	413	568	523	496	662	610	578	757	697	661
8.00%	289	267	254	386	356	339	482	445	423	579	534	508	675	623	592	771	712	677
8.25%	295	273	260	393	364	347	491	455	433	589	545	518	688	636	606	786	727	693
8.50%	300	279	266	400	371	355	500	464	443	600	557	532	700	650	621	800	743	709

這列表是基於貸款十五萬至四十萬及還款年期由二十年至三十年來計算各年利率的每週供款《本金加利息》金額。

This table can help you work out your indicative weekly repayments (principal and interest) on a loan between $150,000 and $400,000 with the applicable rate of interest per annum and for 20, 25 and 30 years terms.
  

國民投資取向 (National Investment Choice)

根據最新的ASB投資者信心調查報告指出，全國國民普遍認為定期存款是最佳的投資選項，出租房產次之，Kiwi Saver, 管理基金及退休養老金緊隨其後。但在奧克蘭市，出租房產佔投資首位，定期存款次之，Kiwi Saver 佔第三位。

According to the latest ASB Investor Confidence Survey, across New Zealand the most popular investment class is term deposit, rental property is second and followed by Kiwi Saver, managed funds and superannuation.  However, in Auckland rental property takes the top spot, term deposit comes second and Kiwi Saver the third.

奧克蘭市的出租房產 (Rental Properties in Auckland)

最近一位摯友提出一個大家都感困擾的問題，在奧克蘭市那一區能找到有潛力遠景的出租房產。其實作投資决定見仁見智，我不便提出主觀的建議。客觀的數據分析應更為適合。我認為出租房產的潛力遠景是由該物業本身的售值及租值結合而成。我在下面列出數個由REINZ 編製的奧克蘭市各區出租房產的租金及售值比較表，各位朋友可参考比對，而找出自已理想的選擇。

• 奧克蘭市本年四月份各區租值表 - 請登入網頁
 www.crockers.co.nz/media/45416/auckland%20rental%20table%20-%20april%202011.pdf
• 奧克蘭市2007 – 2010 四年各區租值比較表 - 請登入網頁
 www.crockers.co.nz/media/43828/rentals%202007-2010%20comparison.pdf
• 奧克蘭市本年四月份各區售值表 - 請登入網頁
 www.crockers.co.nz/media/45422/april%202011%20sales%20table.pdf
• 奧克蘭市2007 – 2010 四年各區售值比較表 - 請登入網頁
 www.crockers.co.nz/media/43834/sales%202007%20-%202010%20comparison.pdf

Recently I have a good friend who asked a question that most of us would have always asked – in which area of Auckland can I find a rental property with a  good return on investment?  In my opinion, a good return on investment for rental property is determined by a combination of two factors, they are the rental price and sales price yielded from the property.  Indeed, making a decision on property investment involves your subjective preference; I am not in a position to make you follow my plans.  However, I think statistical data collected from a reliable external source seem more objective and appropriate in this case.    In the followings, I list several tables prepared by REINZ to show you the rental prices and sales prices for different areas in Auckland.  You can take reference to them and make your own strategic choice.

• Auckland Rental Prices for April 2011, please visit the web page:
 www.crockers.co.nz/media/45416/auckland%20rental%20table%20-%20april%202011.pdf

• Auckland Rental Prices – 4 Year Comparison, please visit the web page:
 www.crockers.co.nz/media/43828/rentals%202007-2010%20comparison.pdf

• Auckland Sales Prices for April 2011, please visit the web page:
 www.crockers.co.nz/media/45422/april%202011%20sales%20table.pdf

• Auckland Sales Prices – 4 Year Comparison, please visit the web page:
 www.crockers.co.nz/media/43834/sales%202007%20-%202010%20comparison.pdf

Reference:
NZPIF: Receord Rents for Auckland
Landlords: Rental Property Top Investment Choice for Aucklanders
Crockers Property: Auckland Rental Prices April 2011, Auckland Rental Prices 4 Year Comparison, Auckland Sales Prices April 2011,  Auckland Sales Prices 4 Year Comparison

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. 

 

下期再見!!
See You Next Time!!