Issue: No. 44 (May, 2015)

房貸資訊分享【Home Mortgage Information Update】

本國政府剛推出一系列措施包括開徵房產增值税及投資物業借貸規限，在本年十月一日生效，用以壓制房產市場炒風，詳情如下。

若大家對房貸或保險有任何查詢，也可用電郵aamortgage@xtra.co.nz 或致電021-322113 直接跟張小姐聯絡。

The New Zealand government has just announced new measures to tax capital gains and to impose new lending restrictions on residential property, taking aim at property speculators.  These new measures will take effect from 1 October, 2015.  For details, please read the following articles.
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	5.59%	5.59%	5.55%	5.39%*	5.59%	5.75%	5.79%
ASB Bank	5.80%	5.59%*	5.99%	5.39%*	5.39%*	6.39%	5.65%*
Westpac Bank	5.80%	5.99%	5.34%*	5.39%*	5.59%*	6.39%	5.65%*
Co-op Bank	5.80%	5.59%	4.99%	5.39%	5.49%	5.69%	5.69%

* 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.

新西蘭開徵房産增值所得利益 (Capital gains on residential properties in New Zealand)

新西蘭開徵房産增值所得利益 (Capital gains on residential properties in New Zealand)
昨天本國總理宣佈由本年十月開始實施一系列措施以開徵住房增值利益，用以打擊那些投機及外國買家，藉此壓抑短線炒風。

該一系列措施的重點如下：

•  過往的法例規定，若你買房是志在賺取房産增值利益的，該利益所得是要繳税的。但現在這法例不單只繼續執行，並且新增另一條法例，就是若你在購買住房或住房用地後二年內轉售，你從售賣中賺取的增值利益是要繳入息税的。

•  若你售賣的是自住房、繼承房產或因離婚原因而必需出售的房産均可獲豁免。

•  你不能因超過二年後才賣房而以為可避過上税，因國税局會按現行的意圖法例去决定你是否投機炒作而追税的。

•  非本土買家（包括那些非紐西蘭税網人仕及在海外生活的紐西蘭人）必需跟本土居民一樣按住房增值利益上税。

•  非本土買家必需提供(a) 紐西蘭稅號、(b) 原居地税號及(c) 纽西蘭銀行户口。

Prime Minister John Key announced yesterday that from October, there are new measures to tax capital gains on residential property will help weed out speculators and foreign investors who trade Kiwi homes just to turn a quick buck. 

To summarize:

•  At present, if someone buys a property with the 'intentions' of making capital gain, the profit is taxable.  That rule remains but an additional rule says that the capital gain on any sale of a residential property (that includes sections) within two years of purchase will be subject to income tax.

•  There are exemptions for the seller's main residence, inherited property and property that is sold as part of a relationship settlement.

•  As the existing intention law will remain, therefore it means that property speculators cannot just delay their sales to shortly after two years.

•  Non-resident property buyers (including those who is not a New Zealand tax residents and who may be a New Zealanders living abroad) are subject to and will be subject to the same rules on capital gain as New Zealand buyers.

•  Non-resident buyers have to provide (a) a New Zealand IRD number, (b) their tax ID from their home country and (c) a New Zealand bank account.

儲備銀行宣佈對買奧市出租房的投資買家作規管；他們必需提供三成首付，但買奧市外的制管則被放寬 (RBNZ announces LVR restrictions for Auckland rental property investors; they must have at least 30% deposit; LVR relaxed outside of Auckland)

本國儲備銀行宣佈從本年十月起奧市出租房的投資買家向銀行申請房貸時必需提供30%首付，此擧用以煞慢奧市不斷上升的房價。

但對於購買新建房，則不在此管制之列；若購買奧市外的房產，銀行會放寬借貸的比率。

The Reserve bank has announced new rules from October that Auckland rental property investors must have a deposit of at least 30% in a sweeping new escalation of its measures to try to slow house price inflation in Auckland. 

However, the bank has eased the current Loan to Value Ratio (LVR) restrictions for property buyers outside Auckland and has exempted new builds from the new restrictions on Auckland rental property buyers.

Reference:
Capital gains on residential properties in Auckland @ New Zealand Herald P. A2 & A3 on 18/05/2015
RBNZ announces LVR restrictions for Auckland rental property investors by Bernard Hickey @ Property on 13/05/2015

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. 

 

 

Issue: No. 43 (May, 2015)

房貸資訊分享【Home Mortgage Information Update】

本公司的網頁www.aamortgage.co.nz已在上月正式推出了，請各位瀏覽及給予意見，好讓我能將這個網頁做得更好及更符合你們的要求。請將你們的寶貴意見用網頁内的聯絡功能轉交給我。

若大家對房貸或保險有任何查詢，也可用電郵aamortgage@xtra.co.nz 或致電021-322113 直接跟張小姐聯絡。

Our website www.aamortgage.co.nz was officially launched in last month; I hope that you enjoy visiting it and please give us your valuable opinions of how you would like me to improve the website to meet your requirement.  You can use 'Contact Us' in our website to pass your message to me. 

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%*	5.99%	5.39%*	5.39%*	6.39%	5.65%*
Westpac Bank	5.80%	5.99%	5.34%*	5.39%*	5.59%*	6.39%	5.65%*
Co-op Bank	5.80%	5.59%	4.99%	5.39%	5.49%	5.69%	5.69%

* 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 5.05 % ，二年5.09%及三年5.29% (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: 5.05 % for 1-year, 5.09% for 2-year and 5.29% for 3-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. 


自2007年以來奧市房價已上升超過25% (Over 25% increase in Auckland home values since 2007)

QV本月的住房房價指數顯示全國的住房房價亦已上升了; 奧市住宅的房價急速上升，除去季節性調整後，現時市內的房價已較往年上升了14.5%，而且較2007年的高峯更超出27%。

QV 的發言人稱，漢密頓、陶朗加、威靈頓及基督城的房價均保持平穩的漲幅，但奧市房價郤急劇上升，有些地區自十一月以來已錄得雙位數字的升幅。他續稱，數據也顯示奧市的平均房價已突破$800,000關口，現在達到$809,200。

該發言人續稱，奧市房價在2015年房價將持續上升，這要歸咎於高增長的淨流入移民人數達到54,000人，其中半數將會定居奧市。在這個超級城市中，南區包括Blockhouse Bay, Sandringham, Otahuhu 及Onehunga的房價上升幅度最高。奧市的外圍地區如Waikato（包括漢密頓）和陶朗加也錄得房價上升的勢頭；QV的估價師稱這是奧克蘭效應，因奧市居民開始向外圍推移，以尋找更物有所值的住房。

According to this month’s QV Residential Price Movement Index, nationwide residential property values have also gone up.   Rapidly rising Auckland residential property values mean that, when adjusted for inflation, the city’s values have increased by 14.5% over the past year and are now 27.0% above the 2007 peak.

QV national spokesperson Andrea Rush said, “While Hamilton, Tauranga, Wellington and Christchurch have continued to show a steady, moderate rise in values, Auckland has continued its rapid rise, with many areas seeing double digit increases in values since November.”  Rush said the index data showed that the Auckland region’s average value has cracked the $800,000 mark: it is now $809,200.

“With net migration at a record 54,000 and still rising and 50% of migrants moving to Auckland, home values in the Super City are likely to remain high and keep rising during 2015.”  Auckland’s values were led by big increases in Auckland City-South – which includes suburbs like Blockhouse Bay, Sandringham, Otahuhu and Onehunga.  Outside of Auckland, parts of the Waikato (including Hamilton) and Tauranga recorded value increases.  QV valuers from these areas said this was partly due to the “Auckland effect” – whereby Aucklanders look outside the Super City region for areas where they can get better value for their money.


財長稱要增強IRD資源以厲行物業税法列 (Boosting IRD resources to enforce property taxes a possibility - English)

本國財長Bill English表示，引入資產增值税將不會放在議題上，但會討論如何增加IRD資源在現行税法下去調查物業交易個案。

財長稱他們會繼續討論應否給予IRD額外資源去更深入地調查那些物業投機及炒賣的情况。他表示，＂我認為每一個人包括地産仲介及買家現正熱衷於奥市的房產炒賣活動，這引申了一個問題就是我們是否要加强執法。現在的重點是IRD需要何種資源去輔助他們加强執法呢？這將會在預算案中討論。＂

大家可能不理解到，本國現有的稅務框架下已包括有向那些炒賣房產以謀取利益的人徵收税款，這亦涵蓋那些重裝物業後再轉售的人。

Introduction of a capital gains tax is not on the agenda, but increased resources for the IRD to investigate property deals under the existing tax legislation is, according to Finance Minister Bill English.

English said there was ongoing discussion about whether the IRD should be given additional resources to investigate property speculation and trading more comprehensively.  "I think everyone - real estate agents, buyers - are pointing to higher levels of trading activity in Auckland and so there is a question of whether that should give rise to further enforcement activity.  The focus is on what resources they might need for further enforcement of existing law and that will be a matter discussed in the context of the budget.”

Contrary to popular perception, New Zealand’s tax framework already includes a tax on people who buy properties with the intention of reselling for profit.  This includes people who buy properties to renovate and resell.


Reference:
Over 25% increase in A8uckland home values since 2007 @ www.landlords.co.nz on 01/05/2015
Boosting IRD resources to enforce property taxes a possibility - English @ www.landlords.co.nz on 28/04/2015

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.