Issue: No. 14 (March, 2012)

房貸資訊分享【Home Mortgage Information Update】

各位朋友，請留意！部份銀行房貸利率又再調低了。

Dear Friends, some bank home loan interests have just been cut!

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

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.

貸款申請獲批個案數量日增 (Mortgage Approvals are growing)

儲備銀行表示截至三月二日為止的一週內，貸款申請獲批個案從一週前的6,409宗躍增至6,669宗。但整體表現，較2006年及2007年高峯期的每週超過10,000宗略為遜色。

貸款雖獲批，但並不表示款項最終會被落實提取。就此反映了現時貸款市場淨增長並不樂觀，各主要銀行間因而競相放寬借貸標準，以圖打擊對手，搶奪更多的市場份額。

Reserve Bank figures show mortgage approvals rose to 6,669 in the week ended March 2, up from 6,409 the previous week.  However, back near the peak of the boom in late 2006 and late 2007, weekly approval numbers of 10,000 plus were common.

We need to understand that approved mortgages are not necessarily drawn down, which means that the current growth in net mortgage lending may appear to be sluggish.  This drives some of the major banks to compete by aggressively loosening their credit criteria in order to grab the most market share.

房價雖上揚，但房值增長卻中規中矩(Prices Up but Value growth ‘very modest’

根據QV二月份指數顯示，全國的房價持續上揚，但全國房值在過去三個月祗增長了1.1%，與去年比較也是輕微上調2.9%，但較2007年高峯期時更下挫2.9%。 QV發言人指出，現時的房值增長跟過往比較，祗能算是中規中矩。在1993年至1997年期間，房值按年以8% 至14%遞增，在2002年至2007年高峯時，房值普遍按年增長10% 至15%。QV的數據顯示，奧克蘭市的房值增速仍為全國之冠，較去年上升了6.5%。舊奧市中心地帶如Ponsonby, Grey Lynn 和Sandringham，房源需求殷切，成交價也令人滿意，但現時買家一般保持謹慎態度。

According to the QV index for February, property prices have continued to rise nationwide; however, nationwide values are up only 1.1% over the past three months, 2.9% up over the past year and are now 2.9% below the previous market peak of late 2007.

QV research director said that in comparison the current rate of value increase is very modest.  During 1993 10 1997 values increased between 8% and 14% per year; then, in the 2002 to 2007 boom values generally increased by 10% to 15% per year. 

AV data revealed Auckland remains the fastest growing centre, where values are up 6.5% over the year.  There appears to be strong demand in the central areas of old Auckland City such as Ponsonby, Grey Lynn and Sandringham; healthy sales prices are being achieved.  But, in general, buyers are acting cautiously and carefully.

Reference:
Prices up but value growth ‘very modes’, says QV @ Landlords on 13 March 2012
Mortgage approvals growing but nowhere near boom levels by Jenny Ruth @ Good Returns on 7 March 2012
Sluggish mortgage growth prompts aggressive loosening of lending standards by Jenny Ruth @ Good Returns on 6 March 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.