Issue: No. 42 (April, 2015)

房貸資訊分享【Home Mortgage Information Update】

我非常高興宣佈，本公司現正式推出屬於我們這個大家庭的公司網頁 -http://www.aamortgage.co.nz/。在此我要感謝一位好友，她投入大量業餘時間去設計及完成了這個專業性高的網頁。這個網頁基本上已經可供各位瀏覽，但有些功能仍未能啓動，正陸續在修建中，敬請大家原諒。

我也歡迎大家提出對本網頁的意見，希望能將這屬於大家的溝通平臺做得盡善盡美。
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 launch our website http://www.aamortgage.co.nz/;  this is the website that belongs to you and me as a big family.  I would like to take this opportunity to thank one of my friends who dedicated most of her leisure time to designing and making this website look so professional.  I welcome all of you to take time to visit the website; however, please accept my apology that some of the functions are still under construction but will be activated as soon as possible.

Also, I am more than happy to have any of your suggestion to help me improve the website; I hope that we can work together to make 'our home' to suit all your needs.
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%	5.49%*	6.09%	5.39%*	5.79%*	6.49%	5.89%*
ASB Bank	5.80%	5.59%*	5.70%*	5.39%*	5.59%*	5.99%*	5.75%*
Westpac Bank	5.89%	5.99%	6.09%	5.39%*	5.59%*	6.49%	5.75%*
Co-op Bank	5.90%	5.59%	5.49%	5.39%	5.59%	5.75%	5.79%

* 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 % 及 二年5.10% (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. % for 1-year and 5.10% 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.

投資者認為奧市房産值被高估了 (Investors think Auckland property is overvalued)

最新的Crockers房產投資指數指出，有59%受訪的房產投資者認為奧市的房產價值被高估了，當中21%更認為該等房産值被高估超過20%。

Crockers 發言人稱這個調查結果顯示投資者對房價抱持審慎態度，故此有63%的受訪投資者表示他們暫不會有任何入市舉動。祗有五分之一的受訪者正打算購房，而18%正打算賣房。從當中可以看到，雖然需求較供應強些，但供求仍算處於均衡水平。

該發言人續稱，以往人們衝動購房導致房價飈升，現時投資者顯得較為審慎。她認為今時的房價似乎受着一些整體因素影響包括新移民定居奥市的人數、首置買家及外國投資者等。

有趣的是，調查報告更發現人們購買公寓的意欲不斷增加，這似乎説明了投資者及首置買家均認為購買公寓是一個較合乎經濟的選案。

該調查報告跟受訪的投資者探討他們對儲備銀行草擬修改投資房產的貸款規條的看法時發現，有超過37%的受訪者認為這會嚴重影響著他們的融貸渠道，另有27%認為這會促使利率上調，有17%認為這會廹使他們向其他途逕借貸，祗有12%以為這會變相地不鼓勵投資者壯大他們的房産規模。
Crockers 發言人稱這似乎反映了大多數投資者的心態，就是一動不如一靜。

Over half (59%) of property investors surveyed for the latest Crockers Property Investment Index think that Auckland properties are overvalued – while 21% of them think they are more than 20% overvalued.

Kim Sinclair, from Crockers Property Group, says the results of this month’s survey indicate that many investors are taking a cautious approach to property prices.  She says this is further supported by the fact that 63% of investors surveyed are not planning to change their current portfolio stock in any way.  Just under a fifth of those surveyed are currently looking to buy, while the remaining 18% are currently planning to sell.  This indicates a fairly balanced supply and demand situation, although demand does slightly outstrip supply, Sinclair says.

In her view, this more cautious investor behaviour sits in opposition to anecdotal tales of emotionally-based activity driving property prices.  “Rather I would say that prices are probably being driven by a combination of migration numbers settling in Auckland, first home buyers and foreign investors.”

Interestingly, Crockers market data also shows that interest in apartments has grown.  Sinclair says this can probably be put down to apartments being a more cost effective option for investors and first home buyers.

The Crockers survey also asked investors about their views on the potential impact of the Reserve Bank’s proposed changes to investment property lending rules.  Over a third (37%) of those surveyed think the greatest impact would be a restriction of fund availability for investors, while 27% think the greatest impact would be an increase in interest rates (27%).  Seventeen percent think they would be forced to borrow from alternative sources, but only 12% think it would discourage investors from owning large numbers of investment properties.

Sinclair says this probably reflects the main intention of the majority of the investors interviewed - which is to “sit” on their properties without further purchases.

房產要價繼續上揚 (Asking prices continue march upwards)

根據最近的Realestate.co.nz調查指出，現在是賣家主導的市場，房價繼續上揚而待售房屋數量卻下跌。

該調查顯示，本年三月份紐西蘭房產平均要價已達新高$514,712，跟上月的$511,412比較已輕微上調0.6%，並且這是第三個連月創紀錄要價。另方面，三月份新上市待沽房屋11,870楝，較去年同期下跌4.9%，這也是自2009年至今最低的數字。

Realestate.co.nz的行政執行官稱本國有三個地區包括Auckland, Canterbury 及Wairarapa的房價在三月份均創新高。其中Canterbury 地區房價較2014年七月份創下的紀錄更上升1.3%達$467,126；而奧市房價較上月的創紀錄高位更溢升0.3%達$766,912。

該行政執行官表示，三月份新上市待沽房屋數量輕微下跌正給予屋主一個良機，令他們能把房賣個絕好價錢。在三月份，新上市待售房屋有11,870棟，較去年同月下跌4.9%，也較同年二月份的12,008楝下跌1.1%。這是過去六年來的三月份錄得最低的數量。

It’s a sellers’ market out there - according to new data from Realestate.co.nz which shows that prices continue to rise and listings fall.

Realestate.co.nz’s latest monthly data shows that, in March, the average asking price in New Zealand reached a new high of $514,712.   This was a small increase of 0.6% on the previous record of $511,412 set last month, and the third consecutive month of record asking prices.  The data also showed that the number of new listings in March was 11,870, which is a decline of 4.9% from the same time last year, and the lowest for March since 2009.

Realestate.co.nz CEO Brendon Skipper says the growth in asking prices in March was also reflected in different parts of the country with three regions (Auckland, Canterbury and Wairarapa) hitting new records.  Canterbury’s new high of $467,126 was a 1.3% increase from the previous record of set in July 2014, while Auckland’s new high of $766,912 was a 0.3% increase from the record high set last month.

 “With the slight fall in the number of new listings in March, sellers are in a good position to maximise the value of their homes.”  Nationwide, the number of new listings of homes for sale in March was 11,870.  This was a decrease of 4.9% from the March 2014 and a fall of 1.1% on the 12,008 new listings in February.  It is the lowest number of new listings recorded for the month of March in six years.

Reference:
Investors think Auckland property is overvalued @ www.landlords.co.nz on 31/03/2015
Asking prices continue march upwards @ www.landlords.co.nz on 01/04/2015

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.