新西兰ONEROOF最近的风向有点不对啊

在新西兰

Agents and mortgage brokers are seeing a lot of pain in the market.


https://www.oneroof.co.nz/news/if-youre-forced-to-sell-youre-screwed-mortgagee-sales-expected-to-rise-45813?utm_medium=Social&utm_campaign=nzh_fb&utm_source=Facebook&fbclid=IwZXh0bgNhZW0CMTEAAR2dB5qGr97VAf6Z5m30dCjECuZ7VDkP-rEghP9q3pdpu9gVEb5DCAjUxXY_aem_-bZQ_RFK3DL26b5IDQYbDA#Echobox=1720385713




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The broker said banks were going out of their way to help people struggling financially but when mortgage holidays and interest only options were exhausted the real problems would start.

“I personally think anyone looking at buying a house should wait six months to 18 months. You'll probably be able to get a steal because people will be desperate.”

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专家净说什么大实话

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Grant Henderson, Bayleys regional general manager in Wellington, said his team had been involved in four mortgagee sales this year already.

Henderson said there could be an upswing in listings in spring as people moved ahead of a forced sale. “If I were looking at job loss and wondering what to do, I'd be on the market ASAP because at least then I'd know what I've got left.”

In Auckland, agents are also seeing more pain in the market. George Erdos, from Ray White, could not give details about a mortgagee sale he is listing in Blockhouse Bay but said the banks were trying “every possible alternative” to avoid mortgagee sales.

“Contrary to what a lot of people say about the banks, [mortgagee sales] are not their preferred option. It’s the last option, not the first option.”

Owners often went into denial rather than face up to their financial struggles, but that was the worst thing they could do, he said.

“I can’t tell you how many times I hear, ‘The bank has got it wrong, it’s all going to be sorted’. If the mortgagor gets into difficulty, all the costs start compounding.”

Mark Honeybone, agent and franchise owner of Harcourts Property Ventures, has a couple of forced sales on the go, including one in Papakura listed as “on notice from a third-tier lender”.

In West Auckland, broker Kyle Reardon, from Loan Market, said a lot of people were coming forward to get advice ahead of reaching that stage.

The dollars involved were large, he said, citing a couple, where the wife had lost her job, who were making mortgage payments of around $6000-$7000 a month.

The lender agreed to an interest-free option for five months but the mortgage was still over $5000 a month and the maximum the couple could pay was $3500, plus the mortgage was more than the house was now worth.

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他们说了一大堆，总结三点，

- 未来6-18个月才是最困难的时间点，而不是现在
- NON BANK LENDING是推倒屋主的导火索，银行基本给出4-6个月宽容期
- 中小企业主的企业现金流基本靠自己房屋抵押去贷款，一旦风吹草动，生意要完蛋，他们是最敏感的，会第一时间会卖房子保住自己的信用度，以便东山再起。

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七月一号开始到年底是买在山顶屋主最后的逃生期，政府甚至贴心的为各位房东准备了免税政策，在美股泡沫爆开经济危机蔓延之前处理掉手上的资产，现金为王

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卖掉房子炒美股，翻身发财猛如虎
留着房子拒美股，死到临头苦上苦

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现在正东拼西凑200w准备抄底了.

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抄吧等降息后就晚了

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这会儿怎么又开始相信专家说的了呢

看来要的不是专家，要的是耳顺

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未来六个月，最多降1，不会超过1.5

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生意完了换个名字东山再起的很多吧，舍弃自己的房子的少。

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你这个是华人做生意的方式，老外的很多中型公司都是靠老板贷款弄出来流水，很少有自有资金不贷款的。

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"The dollars involved were large, he said, citing a couple, where the wife had lost her job, who were making mortgage payments of around $6000-$7000 a month." 这个也太夸张了吧。

补充内容 (2024-7-9 14:59):
也不是哦，按7来算才80多万的贷款

补充内容 (2024-7-9 15:00):
一开始看错以为是每周

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卧槽，按周算，只有柠檬才会贷款那样多每周还几万之类

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剑客说了，美联储明天就加息鲍鸡资本市场脑震荡了。

想不想保平安

找剑客！

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兄弟们顶住。。。     

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就怕柠檬顶不住了，每次一到OCR公布前，他就会失常了。这漫漫长路搞一年，直接疯掉。每月2万多的贷款要还给银行，谁都会疯掉。