Issue: No. 24 (July, 2013)

房貸資訊分享【Home Mortgage Information Update】

Imminent changes to the way banks lend money will make it harder for first home buyers to get on the property ladder.  The controversial restrictions on home loans will dramatically reduce the amount of high loan-to-value bank loans, meaning it will be harder to get a mortgage with a deposit of less than 20%.  Banks will be scrutinizing your financial commitments more so in the future than they are already.  However, we think, the professionals who have stronger borrowing capacity with higher and more stable income would have less troubles with the impact. 

Therefore, we suggest that you take quick action to make property purchase and apply for a loan before the changes come into effect.   For advice on loan application, please talk to our Miss Anita Cheung in the first instance.  You are welcome to ring Miss Cheung by phone on 09-535 6818 or send her a message by email to aamortage@xtra.co.nz

本地銀行即將推行的全新房貸方案，要求房貸申請人必須提供不少於20%的首付，這對首次置業並無力提供相應首付的人仕打擊很大，將令高比率的房貸大幅減少。銀行將對每位房貸申請人的財政狀况更嚴格地審查。但本司認為這變革對那些高收入及還款能力強的專業客户的冲擊相對較輕微。

本司建議各位朋友趕快行動，爭取在新房貸方案全面實施前購房及申請房貸。若大家需要房貸方面的意見及協助，請儘早跟本公司張小姐洽商。歡迎大家致電09-535 6818 或用電郵aamortgage@xtra.co.nz 跟本公司張小姐聯系，謝謝。

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	5.45%	5.25%	5.49%	5.50 %	5.95%	6.15%	6.45%
ASB Bank	5.10%	5.25%	5.50%	5.65%	6.05%	6.30%	6.60%
Westpac Bank	5.25%	5.19%	5.40%	5.65%	6.04%	6.30%	6.60%

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% (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. 

房產資本值不利投保(CVs no guide for insurance: Helm)

房產專家稱，若房東在購買住房保險時，是按房產資本值去評定住房〝完全重置成本〞，將大吃一驚。在本國住房保險的新變革下，投保額〔即住房完全重置成本〕除包含整房重建成本外，也必須加上原房拆卸費用及清理所有拆卸後的雜物處理費用。一測量師稱，據他接觸的個案中，住房完全重置成本往往是房產資本值的雙倍。

房東請登入Cordell Online Calculator: http://homebuilding.cordell.co.nz/index.php?c=introduction&profile=40&restart=1
或www.vero.co.nz/dirvz/vero/vero.nsf/Content/SumInsuredTools

利用附上的計算機去評估住房完全重置成本。若大家有任何疑問，本公司可轉介專業評估師協助，評估收費只$100 起。

Homeowners relying on their properties’ capital values when deciding what ‘total’ rebuild cost they need their insurance policy to cover may get a nasty shock, says property commentator Alistair Helm. 

This will see a move from full replacement policies – where the policy pays out whatever is needed to rebuild the house – to a set amount.  As well as the cost of building a new home, the sum insured also has to cover the costs of demolition and getting the site ready for rebuilding.  Helm said he was prompted to investigate by a quantity surveyor who had many houses he worked on would cost twice their CV values to build.

Homeowners can use Cordell Online Calculator to estimate your total rebuild cost of your property by logging onto: http://homebuilding.cordell.co.nz/index.php?c=introduction&profile=40&restart=1
or www.vero.co.nz/dirvz/vdero/vero.nsf/Content/SumInsuredTools

If you require assistance, we can refer you to a professional; the related estimation fee is minimum $100 up. 
 
Reference:
CVs no guide for insurance: Helm @Landlords.co.nz on 19/07/2013

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.