New LVR start date delayed
The Reserve Bank has delayed the start date of new LVRs aimed at investors from 1 September to 1 October 2016, following banking industry feedback.
Reserve Bank Deputy Governor Grant Spencer said banks had indicated they needed more time to meet the new LVR restrictions proposed by the Reserve Bank in July.
This was due to the pipeline of loan pre-approvals made prior to the Reserve Bank’s announcement, he said.
“We understand that banks have been applying the new LVR restrictions to new loan applications since the LVR changes were announced.
“On that basis we will defer the formal introduction of the changes to 1 October in order to accommodate the backlog of pre-approvals.”
Spencer said the range of existing exemptions to LVR restrictions will continue to apply under the proposed changes.
These exemptions permit banks to make high LVR loans that would otherwise be limited by the restrictions. 
The exemptions, which apply to both investors and owner-occupiers, include new builds; bridging finance; re-financing existing high LVR loans; funding for non-routine extensive repairs due to events like natural disaster or weather tightness issues.
Also, borrowers with owner occupied and investor collateral can use the combined collateral exemption to obtain finance up to 60% of the value of the investment properties and 80% on their owner occupied property.
Spencer said it is important to emphasise that the exemptions are permissive but do not create an obligation on the banks to make such loans. 
“The banks will still apply their own lending criteria to individual borrowers and may choose to not provide finance in these circumstances or to provide it only at lower LVRs.”
The consultation process closed on 10 August and the Reserve Bank is continuing to analyse submissions. 
Spencer said further adjustments to the proposals, including the exemptions, are still possible but the Reserve Bank expects to publish a final policy position later this month.
（Source From http://www.goodreturns.co.nz/article/976504544/new-lvr-start-date-delayed.html?utm_source=GR&utm_medium=email&utm_campaign=HSBC+breaks+record+with+with+new+low+home+loan+rate）
 
 
央行降息了，房价却升了
引言：备受关注的新西兰央行降息如期而至，已经降至1999年以来最低值2%。那随着央行降息，是否对于新西兰房市有任何的影响呢？银行贷款利率是否如预期下降吗？央行又会继续出台怎么样的房产政策呢？房价是否仍会受到影响？且听TFS分析。
8月29日起，银行贷款利率变动：
自上周央行降息以来，分别有三家银行表示将会下调该银行的贷款利率。首先是ANZ银行，将从29日起针对Floating Home Loans和Flexible Business Loans，利率将从5.64%下调到5.59%。而银行存款利息将会上调0.3个百分点。其次是Westpac银行，也会从29日起下调该银行的浮动贷款利率至5.65%，而6个月定期存款利率将从3%上调到3.5%。最后是Kiwibank银行，下调浮动贷款利率至5.25%，对冲利率下调至5.25%。当然后续或许还有更多银行将会下调该银行的贷款利率。不过从以上三家银行所谓的“下调利率”的幅度来看，无疑对于想要贷款买房的人来说是“隔衣挠痒”，让原本期待可以获得更多优惠的购房者十分失望。只是稍微下调的银行贷款利率加上新出台的LVR政策，让购房之路更加“困难”了。
央行：官方LVR将推迟到10月1日施行
新西兰央行副行长Grant Spencer表示，央行将把早前公布的官方施行新LVR政策的日期从9月1日推迟到10月1日。强调了虽然大部分新西兰主要银行在早前建议一公布就已经调整了其银行的LVR比例，但是央行推迟的行为并不是毫无意义。从银行业和房地产业中的反馈中，有很多积压的贷款预批需要处理，推迟将给这些预批留有更多时间和空间来选购房产。
Spencer强调，在新LVR限制之下，某些情况是不受到LVR限制的影响的，其中包括新建房屋（New Build），Bridging Finance，从原有高比例贷款中re-finance, 还有申请因自然灾害需要贷款的情况等。当然他也表示了，这些只是央行的统一建议，分至到每一家银行，银行需要根据每一家银行自身情况设定可豁免新LVR的情况。央行官方定论将在本月晚些时候正式出台。
惠灵顿房价涨幅直逼奥克兰：
除了银行和央行的动向之外，房产市场的房价也是人们关注的另一个重点。根据最近公布的房屋估价指数中，惠灵顿的房价同比去年7月上升了整整15.9%。已经直逼奥克兰的16%涨幅。有专家声称，相较于奥克兰地区的高居不下的新增人口，惠灵顿地区的房价的提升更多来自于投资购房行为。在惠灵顿地区投资购房不怕房屋空置，市场需求不断增加，也促进房产增值迅速，这样就比奥克兰有更加可观的回报率。有这样的投资前景，惠灵顿的房价当然会增长迅速。
不过，有专家也表示，随着最新LVR限制政策的施行，既投资房屋只允许最高贷款60%，对于投资者买房行为有一定的限制。加上部分专家认为，目前房价地持续增加也可能是“恐慌性购房”，也就是人们希望尽快使用之前已经获得的高比例贷款预批来选购房屋。
新西兰央行降息了，可市场反应不如央行预期；银行调整贷款利率了，但是幅度远不如预期；房价仍然在攀升，房产仍然有投资前景。无论是投资还是自住，只要贷款买房，就找TFS，我们掌握新西兰房市最新的动向，和不同银行有着密切合作，为每一个想要通过贷款买房的人们实现自己置业目标。
本文由TFS金融顾问周宁提供，查看更多文章请登陆TFS公司的Facebook https://www.facebook.com/totalfinancialsolutionswellington” 我们提供专业的房屋贷款服务，十年以上的房屋贷款经验，用心为您解决房屋贷款的问题