Issue: No. 23 (June, 2013)

房貸資訊分享【Home Mortgage Information Update】

最近坊間盛傳儲備銀行將會在本年底加息，氣氛沸沸揚揚。若各位朋友正計劃於短期內將現有的房貸作固定利率，請儘早跟本公司張小姐洽商，張小姐將提供一切有關利率方面的協助。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。

That the Reserve Bank will raise interest rates at the end of this year has recently been going round in the market, which seems to stir everyone’s emotions.  If you are planning to fix a rate shortly for your existing home loan, we suggest you to talk to our Miss Anita Cheung in the first instance.  We will provide all the assistance to help you make the best choice.  You are welcome to ring Miss Anita Cheung by phone at 09-535 6818 or send her message by email to aamortgage@xtra.co.nz; thank you very much. 

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%	*4.95%	5.49%	5.45 %	5.80%	6.10%	6.30%
ASB Bank	5.45%	5.19%	5.45%	5.45%	5.75%	5.95%	6.25%
Westpac Bank	5.25%	*4.94%	5.40%	5.45%	5.90%	6.15%	6.25%

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.

* For lending below 80%, 只適用於貸款額80% 以下。

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%, 或二年4.95%. (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% and a 2-year rate of 4.95% (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. 

樓市供求失衡愈趨嚴重 (Supply and demand gap widens)

最新的房產報告指出，買家蜂擁入市，樓房供不應求，導至房價屢創新高，波及本國大部份地區，其中奧市更錄得歷史性房價高達$631,656。至於奧市房源方面，5月份祗有3,719幢住房應市，較去年同月下跌3%。該報告表示，緊絀的房源給買家增添不少壓力，但市場廹切的情緒卻令賣家開懷不已。

Buyers are as keen as ever to purchase properties, the latest Realestate.co.nz report says, but there still aren’t enough listings available to satisfy demand.  And that is pushing asking prices to record highs.  The report said the rise in asking price was noticeable in more than half of New Zealand, with Auckland reaching a new record high of $631,656.  However, Auckland listings were down 3% in May to 3,719 homes for sale.  Realestate.co.nz said the lack of new listings coming on to the market just added to pressure on buyers, but market sentiment favored sellers in 18 of the 19 regions it reports on, in particular Auckland and Canterbury.

〝Kiwisaver〞對房價推波助瀾 (Kiwisaver boosting property prices)

BNZ 研究部主管稱本國人民正動用他們在Kiwisaver户口的存款去購置首個住房，這是令人擔憂的。他更稱政府有透過Kiwisaver户口去推高現時房價之嫌。法例表明，存户在加入Kiwisaver計劃三年後，就可合法地提取户口內自己及僱主的供款。他坦言，數以千計的存户已提取了他們的供款；去年首九個月有合共1,230萬元從衆Kiwisaver户口裏被提走用作置房，平均每户提去$9,640。

除此之外，那些合乎資格的Kiwisaver存户還可獲得首置訂金補助。如存户加入Kiwisaver 計劃4年後便可獲$4,000首置訂金補助，加入5年後就有$5,000補助。

BNZ’s head of research said New Zealanders using their KiwiSaver accounts to purchase a first home were a concern; government funds may be fuelling the increase in house prices via the country’s KiwiSaver accounts.  KiwiSavers become eligible to withdraw both their own contributions and their employer’s contributions once they have been in the scheme for three years.  Thousands have already done so.  Figures from the Financial Markets Authority last year showed that in the first nine months that withdrawals were possible, $12.3 million was used from the scheme for home purchases, with an average withdrawal of $9,640. 

Those who meet certain requirements are also eligible for a deposit subsidy, starting at $3,000 per person and increasing to $4,000 once they have been in KiwiSaver for four years, and $5,000 after five years.

住房保險重大變動 (New insurance requirements)

從本年五月起，本國住房保險的條例有重大改革。往昔時，保險公司對受保的住房在發生災難時都不考慮該住房的投保金額多少，均主動作完全重置賠償。但現在情形會徹然不同，保險公司祗會按投保金額的多少而作相應的足額賠償。由於這是一項重大改革，各位房東必須在現有住房保單到期時，請跟所屬保險公司或其他專業人員尋求獨立意見及了解新改革所帶來的影響。

For many homeowners, from this May onwards, general house insurance (building insurance) rules are changing.  Insurers, who have previously provided full replacement policies, will no longer be offering this option.  Homeowners will have to provide an exact dollar amount for the insurance they require.  You can either use your insurer’s online calculator or seek an independent valuation.  This is a significant change and we suggest that when your renewal time comes, you speak with your insurance broker or company to ascertain exactly how the changes will affect you.

Reference:
KiwiSaver boosting property prices @ Landlords.co.nz on 03/06/2013
Supply and demand gap widens @ Landlords.co.nz on 03/06/2013
New insurance requirements @ General Finance Mortgage Commentary Issue 2013/9 on 07/06/2013

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.