Issue: No. 26 (September, 2013)

房貸資訊分享【Home Mortgage Information Update】

Go! Team New Zealand! Bring the American Cup back home, we are here praying for you!!

帆船美洲杯賽事正進行得如火如荼；我祈求紐面蘭隊能勝出，將獎杯帶回家！

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	4.95%*	5.19%*	5.59%*	5.95 %	6.50%	6.90%	7.10%
ASB Bank	4.75%*	5.40%	5.65%	5.70%*	6.40%	6.80%	6.99 %
Westpac Bank	5.40%	4.94%*	5.75%	5.95%	6.50%	6.90%	7.10%

* Special condition applies (受特別條件限制)

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4.85% (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 4.85% (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; they will surely receive our highest quality service as same as what you have been enjoying.  Thank you for your continuous support.
 
年青人需求房貸倍增 (Young borrowers actively rate shopping)

Veda 信用機構最新的調查報告顯示，本國28歲或以下的年青置業人仕正不斷查詢有關房貸方面的事情，表現出近七年來罕見的熱情，因他們均希望趁新房貸首付在十月一日出臺前能趕上舊措施的尾班車。該報告說Y世代年青人在本年八月份曾查詢過房貸的人數較去年同月份激增了51.25%。Veda 的執董相信儲備銀行的房貸首付新措施不單窒碍借貸活動也防礙了房市活動；而且，房源短缺意味着首置房價會大程度地上揚。Veda 數據也顯示人們將如何想方設法去規避這個新措施；報告指出本年八月份的私人貸款的查詢較去年同月大幅上升了23.58%。這清楚表明當置業人仕沒能提供足夠的置付去向主流銀行申請房貸時，他們會先轉向財務公司借來足夠的首付以作應對。他認為儲備銀行的房貸首付新措施對奧克蘭的房市泡沫影響有限。

Latest data from New Zealand’s leading credit bureau shows house-buyers 28 years old and under are enquiring for mortgages at rates not seen in the last seven years.  Veda’s managing director John Roberts says this is evidence that first home buyers have been shopping around for mortgages so they can buy before the low-equity home lending restrictions come into force on October 1.  The data shows Gen Y inquiries for mortgages increased by a massive 51.25% in August compared with August 2012.

Roberts believes the Reserve Bank’s high loan-to-value ratio (LVR) lending will deliver a spike in borrowing and a spike in housing sales.  “With limited supply that means prices for first homes could well increase.”

Veda’s data also hints at how people may circumvent the LVR restrictions.  Personal loan inquiries increased by a significant 23.58% in August compared with August 2012.  “It is well known that house buyers who don’t have a large enough deposit to get a mortgage from a mainstream bank will borrow the deposit from a second tier lender – like a finance company.”  “It’s early day but indications are the Reserve Bank’s high loan-to-value ratios may have limited impact on Auckland’s housing bubble.”
 
房貸首付新措施是否成效仍是未知之數(LVR move’s effectiveness uncertain: Wheeler)

本國儲備銀行行長在本月十二日早上表示除非房貸首付新措施不能壓抑房價，否則他是不會撤消這個措施的。他並稱，由於這個措施在本月底才推行，所以仍未確實了解它對房市的衝擊程度。他更稱官方貼現利率在明年前將仍維持在2.5%的水平。他希望新措施能在明年間將房價漲幅減低1% 至 4%。

行長稱大部份的主流銀行已經開始實行20%首付的貸款，這對新措施的開展幫助很大。雖然現時市面上仍有少量的銀行特殊優惠，但明顯地要獲得高比率房貸是愈來愈困難的。他表示新措施將在未來12個月期間顯出成效來，而季度房價漲幅也將舒緩下來。在過去房價被大幅高估，這已產生了通脹的風險

Loan-to-value speed limits won’t be removed until the Reserve Bank is convinced it won’t prompt resurgence in house prices, Governor Graeme Wheeler said this morning.  He said there was some uncertainty on the impact of the restrictions, which start at the end of the month.  The official cash rate was kept on hold at 2.5% and Wheeler said it was not expected to move until next year.  The Bank expects the move will restrain house price growth by 1% to 4% over the next year.

Wheeler said it was helpful that a number of mainstream banks had already started to increase their low-equity premiums.  “There are fewer special offers in the market and there’s anecdotal evidence that it’s getting more difficult to get high LVR loans.”  He said most of the impact of the speed limits would be felt over the next 12 months.  Quarterly house p[rice inflation is expected to ease next year.  Wheeler said house prices were significantly overvalued, which created stability and inflation risks.

Reference:
Young borrowers actively rate shopping @mortgagerates.co.nz on 13/09/2013
LVR move’s effectiveness uncertain: Wheeler @Landlords.co.nz on 12/09/2013

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

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.