Issue: No. 18 (December, 2012)

房貸資訊分享【Home Mortgage Information Update】

本人謹恭祝大家聖誕及新年快樂。本公司將於22/12/2012 至06/01/2013 期間休假，07/01/2013 恢復上班。

I would like to wish you a Merry X’mas and a Happy New Year!  I will be on holiday for the period between 22/12/2012 and 06/01/2013; I will be back to work on 07/01/2013. 

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	5.25%	5.25%	5.49%	5.39%	5.90%	6.20%	6.60%
ASB Bank	5.45%	5.45%	5.45%	5.25%	5.90%	6.10%	6.50%
Westpac Bank	4.95%	4.95%	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.
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%, 或二年4.99%. (*: 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% and a 2-year rate of 4.99% (* 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. 

『定』得有理 (Fixing Good Value)

Westpac銀行稱在未來二、三年間固定房貸利率將較浮動利率對大家更為有利。該銀行的經濟師們在最近的每週評論中指出，現行兩年以下的固定利率較浮動利率為低，而三年以上的固定利率也祗較浮動利率稍高一點點。他們續稱當儲備銀行調低官方貼現利率時，才是採用浮動利率的絕佳時機。

儲備銀行行長早前預期官方貼現利率將在2014年間才會上調。但經濟師們提出一個具風險性的看法，他們認為現行官方貼現利率將維持不變，並將在明年下旬開始逐步上揚。

Westpac says fixing interest rates is likely to prove better value than floating over the next couple of years.  In its weekly commentary, released this morning, the bank’s economists said: “Fixed-term rates out to two years are currently below floating rates, while three-year and longer fixed rates are only slightly higher.”  They said floating would only be the best option if the Reserve Bank was to cut the Official Cash Rate.

‘While that’s a risk, our central view remains that the OCR will stay on hold on now, and increase steadily starting in the second half of next year.”  Governor Graeme Wheeler last week indicated that he still expects the next move in the OCR to be up, although not until 2014.
 
房產市場稍微轉緩(Market Cooling: BNZ/REINZ Survey)

最新的BNZ/REINZ調查報告指出，本國房產仲介普遍認為現時的住宅物業市場有稍微降温跡象。愈來愈多的仲介稱在房屋開放日中到訪的參觀者數目也較以往為少。

在本月中，祗有12%的受訪仲介仍對房產能成功拍賣抱肯定態度，這較上月的22%為低，並創下自本年四月以來最低的調查結果。另邊廂，更多的仲介發現買家較賣家更積極主動。有27%的受訪仲介報稱發現愈來愈多的房產買賣是不附帶任何條件。

該報告稱房產投資者的興趣仍濃，但首置自用買家的數字則輕微下跌。房價方面，421名受訪仲介中，有192名認為房價基本上正上揚，198名感覺房價正企穩，祗有31名稱房價正下挫。

Real estate agents are reporting a slight cooling in the residential market, according to the latest BNZ/REINZ survey.  More agents say they are seeing fewer people at open homes.

The net proportion of agents saying that auction clearance rates are rising has dropped to the lowest level since April with a net 12% positive from 22% in November.  But there has been rises in the number who feel buyers are more motivated than sellers; a still-strong net of 27% of agents said they were seeing more written sales going unconditional.

Investor interest continues but the survey indicates a slight drop-off in the number of first-home buyers in the market.  About the house price, “basically prices are seen overwhelmingly to be rising with only 31 of 421 respondents saying that they feel prices are falling. 192 said they are rising and 198 said they feel that prices are flat.” 

Reference:
Fixing Good Value: Westpac @Landlords.co.nz on 10 December 2012
Market Cooling: BNZ/REINZ survey @Landlords.co.nz on 14 December 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.