Issue: No. 39 (November, 2014)

房貸資訊分享【Home Mortgage Information Update】

我非常感謝大家的鼎力支持，不斷轉介親友到來要求協助申請房貸，我亦為他們爭取到所需的貸款，讓大伙兒高興地買到理想的房子。我有這個機會能跟大家交朋友，為大家解決房貸方面的事情，這實在是我的榮幸！感謝！

奧市府剛發放了2014最新的奧市物業政府估值，大家可上網連接www.aucklandcouncil.govt.nz/revaluation，然後輸入物業地址便可。

若大家對房貸或保險有任何查詢，可用電郵aamortgage@xtra.co.nz 或致電021-322113 直接跟張小姐聯絡。

I am very much delighted to have always had your great support and your wonderful business referrals.  I am happy to see that all my clients can get the bank loans needed to buy their dream house.  Frankly speaking, this is my great honor to have known you and to be given this precious opportunity to help you sort out your home loan matters; that is amazing and lovely!!  Thank you!!

Auckland Council has released  the latest 2014 G.V.  for all the properties in Auckland; you can visit www.aucklandcouncil.govt.nz/revaluation and type in your property address. 

For all your enquiries about home loan or insurance, 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	5.80%	5.59%*	5.70%*	5.75%*	5.99%*	6.49%	6.59%
ASB Bank	5.80%	5.70%*	6.09%	5.75%*	5.99%*	5.99%*	6.49%
Westpac Bank	5.80%	6.09%	5.75%*	6.39%	5.99%*	6.79%	6.49%*
Co-op Bank	5.90%	5.69%	5.75%	5.75%	5.99%	6.40%	6.49%

* 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 5.39% 及 二年5.55% (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: 5.39% for 1-year and 5.55% 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. 

經濟學者稱首付限制措施進展得宜 (Bank's LVR move the right one, economists say)

經濟學者支持本國儲備銀行現時仍保持首付限制措施的決定。儲備銀行行長在上週出臺的本國財經穩健性報告中指出，現階段去解除首付限制措施是不適時的。他說"我們曾經不斷表明這袛是一個暫時性的措施，但奈何因現時移民淨流入量強勢增長，導至房價有重漲的風險；故此我們認為現時解除首付限制措施是不適當的。"

ASB經濟師同意這個做法，認為REINZ的最新數據也支持要保留首付限制措施。他稱 "就算考慮到現時房市是在春天的交投旺季中，本年十月份的房市活動也是超強地反彈起來；跟往常一樣，房市活動在奧市及坎市特別活躍。雖然房產渴市，但房源仍然緊絀，造成來年房價維持上漲的勢頭。"

BNZ 經濟師表示，其他令房價激增的因素包括有本國大選戰情已塵埃落定、房貸利率持續低企、銀行間競爭日趨白熱化，移民淨流入量增強及新建房許可個案減少等。他稱，儲備銀行要看到有更多房價會保持守穩的證據，它才會撤除付限制措施。

Bank economists support the Reserve Bank's decision to leave loan-to-value restrictions in place for now.  In last week's Financial Stability Report, Reserve Bank Governor Graeme Wheeler said the time was not right to lift the LVR rules.  "We have always indicated that the LVR restrictions are a temporary measure.  However, there remains a risk of a resurgence in house price inflation, particularly in light of strong immigration flows.  Consequently, we do not consider it appropriate to ease the LVR speed limit at this time."

ASB's economists agreed, saying the newest REINZ data supported the decision to leave the rules in place.  "Even taking into account the 'spring surge', house sales rebounded strongly in October.  As has been the trend over the past year, activity was particularly strong in Auckland and Canterbury.  Against this backdrop of strong demand, housing supply remains very tight, which should maintain upwards pressure on house prices over the coming year - albeit at a moderating rate."

BNZ chief economist Tony Alexander said other factors that could boost prices included that the election was out of the way, mortgage rates looked set to stay low for some time, banks were increasingly competitive, migration was up, and consents for new dwelling were down.  He said the Reserve bank old likely want  see more evidence of a sustained suppression of house price inflation before backing away from the LVR rules.

奧克蘭市房租上揚 (Auckland rents rise)

Barfoot & Thompson 稱，對比去年同期，上月份奧市的平均週租上升了5.40%。在該公司最新的出租房產報告中指出，一房物業的平均週租上升了2.60% （由$305 增至$313）、二房的上升了4.30% （由$373 增至$389）、三房的上升了4.40%（由$455 增至$475）、四房的上升了3.30% （由$579 增至$598）、五房或以上的上升了5.40%（由$710 增至$748）。

該報告顯示，一房物業的租金仍以南奧區最為便宜（$269），但中區是最昂貴的（$351）。整體而言，中區的一房、二房及三房的租金仍是最高的。西區錄得一房的租金增幅最高達10.20%至$283。Rodney區在過去12個月的平均租金的百分比增幅最高，該區五房以上的租金已上升14%；奧市一般的同類物業的租金在過去的十二個月袛上升了5%。

若以Otara區三房物業的平均買價$333,692及週租金$405來說，該區的這類型物業的租金回報率最高達6.31%；反之，以Mission Bay區的三房物業的平均買價$1,462,500及週租金$659來說，該區的這類型物業的租金回報率最低。

Average weekly rents rose by up to 5/40 across Acu7kand last month compared to the same time the year before, Barfoot and Thompson says.  In its latest rental report, it says the average weekly rent for one-bedroom properties has risen by 2.60% (from $305 to $313), two-bedroom by 4.30% (from $373 to $389), three-bedroom by 4.40% (from$455 to 475), four-bedroom by 3.30% (from $579 to $598) and five or more bedroom by 5.40 (from $710 to $748).

It shows South Auckland remains the cheapest place for one-bedroom rentals ($269), and central Auckland is the most expensive ($351).  Central Auckland continues to have the highest rent for one-, two- and three-bedroom properties.  West Auckland reported the biggest increase in rents for one-bedroom properties over the year, up 10.20% to $283.  Average rents in Rodney have grown by the highest percentage in the past 12 months, with rent for 5+ bedroom properties increasing by 14%.  Across Auckland, 5+ bedroom properties increased by 5% iun the last 12 months.

Otara had the highest rental yield in the month, of 6.31%, based on an average purchase price for a three-bedroom home of $333,692 and rent of $405.  Mission Bay had the lowest yield for three-bedroom properties, with an average sale price of $1,462,500 and a rent of $659. 

Reference:
Bank's LVR move the right one, economists say @ www.landlords.co.nz on 17/11/2014
Auckland rents rise @ www.landlords.co.nz on 17/11/2014

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.