Issue: No. 19 (January, 2013)

房貸資訊分享【Home Mortgage Information Update】

新年伊始，本人謹恭祝大家在新的一年有一個美好的開始。

I would like to take this opportunity to wish you a beautiful beginning of the year of 2013. 

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	5.60%	5.25%	5.49%	5.39%	5.90%	6.20%	6.60%
ASB Bank	5.45%	5.45%	5.45%	5.45%	5.75%	5.95%	6.25%
Westpac Bank	5.25%	5.25%	5.40%	5.40%	5.90%	5.99%	5.99%

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4.95%. (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 4.95% 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. 

資本增值稅的民調結果(Capital Gains Tax Support: Poll)

最新的民調顯示，本國有超過半數的民衆支持向投資住宅物業徵收資本增值稅。工黨黨魁指出設立資本增值稅是用以回應那些在熾熱的地產市場中『撈』快錢的奧市業主們。他續稱這稅項祗針對投資物業，並不涉及自住用途的物業。

新西蘭星期日先驅報在民調中訪問了一千人，雖然有55.2%表示支持資本增值稅的構思，但其中有半數認為稅率的多寡是取决的因素。另有32.9%的受訪者不支持資本增值稅，其中大部份為65 歲至74歲的人仕。祗有11.9% 表示不知道。工黨黨魁表示，這個民調結果正合乎他的預期。他認為愈來愈多的人了解到本國需要設立資本增值稅，而且支持這個理念的人數也將遞增。工黨黨魁更表示他提倡的資本增值稅是不具追溯性的，它衹影響在該稅項正式實施後才交易的投資住宅物業。

現任財務部長發言人表示，本國現時已有稅務條例去規管那些藉炒賣住宅物業而賺快錢的活動。政府也投入大量資源給稅務局去查抓那些投機炒賣者。根本上資本增值稅不能抑制樓價。他續稱一些國家如澳洲不也實行了徵收資本增值稅，但仍受房產泡沫之苦。發言人更表示，政府已推出一系列的改革諸如廢除出租物業的折讓優惠、加強規管那些注入出租物業的空殼公司、終止物業炒賣者藉租金損失向政府索取福利補貼等，以上各種措施已為政府庫房在過去四年間增添了額外的420億的稅收。

房產市場評論指出，因人們恐怕工黨及綠黨在未來會組成聯合政府而推行資本增值稅，故急於現時入市購房，造成當下樓價颷升。他聲稱資本增值稅倘能成功推行，也會轉嫁至賣價上，因而影響房源。

More than half of New Zealanders support the introduction of a capital gains tax on residential investment properties, a new poll has shown.  And Labor leader David Shearer says Auckland homeowners making large, quick profits put of the hot housing market are perfect illustrations of why such a tax is needed in New Zealand.  He says the capital gains tax applies to all investments except the family home.

A Herald on Sunday/Key Research poll of 1,000 people showed 55.2% supported the idea of a capital gains tax, although more than half said it would depend on the level of tax payable.  Just 32.9% did not support a capital gains tax at all, of which the highest percentage in the 65 to 74-year-old age group.  11.9% were not sure.  David Shearer said the results were at the level he would expect.  “I think there is growing awareness that we need a capital gains tax in New Zealand and I think that number is growing.  In another year, many more people will be supporting it.”  He continues that the tax he is proposing would not be retrospective, so would only apply to properties bought after it was introduced.

A spokesman for Finance Minister Bill English said a tax was already applied when people bought and sold residential property with the intention of making a profit.  Inland Revenue had been given more resources to track and tax property speculators.  He said a capital gains tax was not a sure-fire way to restrain house prices.  “Even countries with an across-the-board capital gains tax, such as Australia, have suffered from housing price bubbles.”  The spokesman said changes such as denying depreciation on rental properties, tightening the rules around loss-attributing qualifying companies, stopping property investors from using rental losses to get more Working for Families credits and cutting the top tax rates had generated at least an extra $42.5 billion in additional tax revenue over four years. 

Property market commentator Olly Newland said the threat of a future Labour/Greens government imposing a capital gains tax was likely pushing current prices up as people bought to get in before the tax.  He said if it were introduced, a capital gains tax would be added on to asking prices and would reduce the supply of property for sale. 

政府估價失去指標性 (CVs No Price Guide)

房產市場評論家指出，奧市居民不可再依賴政府估價作為房市市價的指標。他感嘆房價到底應是多少。一般來說，在較好的區份，房價會較政府估價高出25% - 50%。那些相對較老舊失修的房子也竟以高出政府估價20% 的賣價脫售。政府估價曾是市民信賴的房價指標，可借它現在已失去意義。

Auckland cannot expect to use CVs as a guide to house prices, commentator Olly Newland says.  “I’m surprised myself at what the price are,” he said.  “Generally speaking, prices in the reasonably good suburbs are 25% to 50% above CV.” 

He said even tired, rundown properties were selling for at least 20% more than their CVs.
“CVs used to be the way you valued properties, now it’s a useless number.”
 
房貸獲批個案數量媲美2009年高峯 (Mortgage Approvals at 2009 Levels)

儲備銀行表示，現今房貸獲批的盛况是近三年半來難得一見。去年聖誕節前一週內，就有超過8,000起房貸獲批，房貸總值十三億四千七百萬, ，首次破了自2009年四月以來的紀錄。截至今年一月十一日前一週內，已有4,971起房貸獲批，總值七億三千八百萬。

Mortgage approval rates are back at levels not seen for more than three-and-a-half years, Reserve Bank data reveals.

In the week before Christmas, there were more than 8,000 home loans approved; they were worth $1.347 billion.  It was the first time that benchmark had been passed since April 2009. 
In the most recent week for which data is available, ended January 11, there were 4,971 approvals, worth $738 million.

房價颷升愈趨激烈 (Price Rises to Become Sharper: Alexander)

BNZ經濟師表示，今年房價將較去年上升得更快更猛，他歸咎於供求失衡所至。他更稱現今人們對購房負擔能力的問題議論紛紛，特別對於奧市的低收入家庭來說，購房著實令他們頭痛不已。房產投資者開始將目光轉投至奧市以外地區；部份業主也將房子賣掉套現，並搬遷至其他較便宜地區安享退休生活。他指出建築成本將會上漲，但預期政府不會有任何舉措出臺，去影響建築物料及土地的供應或去改革建築發展的條例及相關收費。

中國買家在奧市及其他地區大筆購房將更趨明顯，這令到不斷上升的入境移民問題將被炒熱起來。該經濟師續稱，在2003年間主因大量移民約35,000人湧入本國而導至奧市房產市道火紅。但對比起來，截至去年十一月本國淨移入人數減少了1,567名，但今年這情况將會扭轉過來。若奧市樓房市道與移入人口掛鈎，那麽去年在移入人數減少的情形下已令奧市樓房市道爆火起來，今年移入人數預期會上揚，樓房市道將又是一番新景象。

House prices will rise more quickly this year than they did during 2012, BNZ economist Tony Alexander says.  He said the rise would be driven by demand exceeding supply at current prices.  “The housing affordability debate will grow and the crisis for low-income earners in Auckland particularly will worsen.  Investor interest will spread out of Auckland while some home owners will cash up and shift to more affordable areas with cash freed up for retirement spending.”  He said construction costs would rise and he did not expect any moves to be made to shake up the building materials sector, availability of land or rules and fees for developing it.

“Chinese buying in Auckland then other centres will become more evident.  Rising overall net migration inflows will spark debate.  But an extremely important thing to note however is this.  Back in 2003 the market in Auckland was to a substantial degree being driven by a strong net migration inflow which for the country as a whole amounted to 35,000.  This time around however the net flow was a loss of 1,567 in the year to November.  Meaning – as we have noted here previously, if this is what the Auckland market looks like with a net nationwide population loss, imagine what will happen when the net flows turn positive as we expect they will this year.”

奧市去年十二月份租金一覽表 (Auckland Rental Prices in December ,2012)

請登立www.crockers.co.nz/media/63448/auckland%20rental%20table%20-%20december%202012.pdf

Please visit www.crockers.co.nz/media/63448/auckland%20rental%20table%20-%20december%202012.pdf

Reference:
Price rises to become sharper: Alexander @ landlords.co.nz on 18/01/2013
Capital ganis tax support: Poll @landlords.co.nz on 21/01/2013
CVs no price guide: Newland @landlords.co.nz on 18/01/2013
Mortgage approvals at 2009 levels @ landlords.co.nz on 18/01/2013

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

Disclaimer: The information given in this newsletter is of a general nature and does not constitute specific professional advice in regards to your investment planning.