新西兰ZT: Buyers panic as loan limits hit: experts
在新西兰
http://www.nzherald.co.nz/property/news/article.cfm?c_id=8&objectid=11156001
First-home buyers are panic buying to get on the property ladder since the mortgage lending restrictions came in, property experts say.
The buyers are opting for anything they can afford to secure their pre-approved mortgage after the Reserve Bank implemented restrictions on loan-to-value ratios (LVRs) under which most home buyers must have at least a 20 per cent deposit.
The comments come as the Master Builders Federation lobbies the Reserve Bank for an exemption for new house builds as building inquiries dry up.
Real Mortgages director Stuart Hawes said many first-home buyers were taking anything they could in their price range just to get in the market before their pre-approval could be pulled by a bank.
"It was a mad panic when it was first announced," Mr Hawes said. "The phones didn't stop ringing here."
He said "a hell of a lot of people are disheartened" and were either quitting the market or getting savvy by using parental homes as security, taking a personal loan, or buying a home with friends.
Mr Hawes said it would force many vendors to sell over 30 days by negotiation instead of at auction which was a costly exercise for buyers who had to get inspections, valuations and LIM reports often for more than one property.
Real Estate Institute figures out yesterday showed there were 6778 unconditional residential sales in October, a 2.1 per cent increase on October last year, and up 0.9 per cent from this September.
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现在不是有welcome home loan 了吗， 只不过额度有点低。
Westpac 的最高只能买 $485,000 in Auckland， 这价位南区的小house，西区的unit 估计应该能买到的。
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不是银行的问题，485k是政府的规定
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嗯，这个额度应该会慢慢放宽的吧。 BNZ 也有首付低于20% 的贷款，不过利息比较高。 其它银行慢慢也会有的吧。
http://www.nzherald.co.nz/nz/new ... 1&objectid=11155241
再看看这些个MP手中的房产，呵呵，寻常百姓跟着后面点盏灯有何不可？