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.