10 points mortgage checklist
Applying for a mortgage or negotiating new terms? Here's a handy checklist on how to get the best deal from your bank
1. Shop around
Some people don't realise it is possible to negotiate a home loan. Your bargaining points include how much deposit you have and how much other business you do with the bank.
 
2. Fixed or floating
Ask your banker to outline the pros and cons, particularly in terms of charges and interest rates. Or examine a split option and the benefits or downsides of each. For example, with a fixed-rate mortgage you know how much you'll be paying in each instalment, protected from interest rate increases during the fixed-rate term. The downside is it's less flexible for one-off payments.
 
3. Break fees
Do your homework and think carefully before committing to a fixed mortgage because altering or getting out of it could cost a lot.
 
4. KiwiSaver
Can be used to help you buy your first house. Explore whether the KiwiSaver subsidy and withdrawals are options for you.
 
5. Loan to value ratios are limits on bank lending
How does this affect your buying of a house? The restrictions mean that only 10 per cent of the bank's new lending for residential housing (new home loans) can have a 20 per cent deposit or less. If you are looking to buy a home and have a deposit that is less than 20 per cent of the home's value, you may find it harder to get a home loan.
 
6. Mortgage broker
If you're struggling to get a loan, you might want to consider this skilled, specialist sector.
 
7. Repayments
Work out your plan and ensure you'll be able to live on the amount left over after paying the mortgage.
 
8. Insurance
Factor into your budget the cost of home and contents insurance and you may be required to take out life and income insurance.
 
9. Go longer term
Set your initial home loan term at a longer term (say 25 years) and then increase your repayments by as much as you can comfortably afford. You can always reduce your repayments if things get tight. Any repayment increase will add significant benefits over the long term.
 
10. Look back in joy
If you took out a mortgage a few decades ago, you can probably see the benefits today.
 
- NZ Herald
 
10 个Tips 帮助您了解贷款过程
Westpac银行首席经济学家多米尼克•斯蒂芬斯说预期通胀将保持在1.5％的年增长率在未来6个月，央行持有的官方现金利率在3.5％，直到明年九月。
所以现在仍然是购房，申请住房贷款的好时期。
正想申请房屋贷款？这期文章介绍10项关于如何怎样做个全面房屋贷款所需要注意的事项：
1货比三家
有些人不知道的，房屋贷款也是可以“讨价还价”的。你讨价还价的要点包括：你有多少存款，你有多少贷款额度，你跟所在的银行有多少其他的业务。 想知道你最低可以拿到多少利率吗？想知道自己是否可以拿到现金返还吗？只需要联系我们，我们会为你做免费的评估。
2固定或浮动
选择固定利率或者浮动利率是需要分析利弊的，特别是在容易被忽视的转换的费用和利率的更变上。例如，固定利率抵押贷款，你会知道你每次付的贷款额是多少，随时都知道你现在的本金和利息还剩下多少。不足之处就是它对于一次性付款就没有弹性了。
3解约金
接着上一点才谈到的，要仔细想好的是如果选择了固定的房屋贷款，一旦改变或者选择一次性付清房贷，银行将会收 您一大笔手续费。
4 KiwiSaver
KiwiSaver可以用来帮助你购买你的第一套房。联系我们了解如果让您的KiwiSaver在您买房中发挥作用。
5贷款价值比率与银行贷款的限制
这将如何影响你的房子呢？这些限制意味着，只有10％为住宅（新的住房贷款），银行的的贷款可以允许20％或者更少的首付。如果你正在寻找一个理想的住宅，但是没有足够的首付（首付基本上需要20％的房屋价值），你会发现它更难获得住房贷款。
6抵押贷款经纪人
如果上述的问题对你来说都很困难的话，你可能要考虑找一个专业的房贷经济，他们回专业的为您的房贷分析计划，告诉你什么是可行的，甚至帮您跟银行沟通，节省您的时间，解决您房贷的疑难问题。
 
7偿还房贷
如果您可以顺利的通过银行的贷款预批，您接下来要做的就是制定你的还款计划，并确保你可以无压力的支付房贷，并且有足够的金钱预留在生活费用和其他费用上。
8保险
这个时候保险就起到了非常关键的保障作用，房屋保险可以保障您在房屋有损耗的情况下赔偿您房屋修理的费用，而房屋贷款保险则是对于的人，在还款人在意外或者生病没有工作能力，没有收入时，保险公司将帮您偿还你的房屋贷款给银行。在还款的几十年内，是少不了保险“保驾护航”的。
               
9 设定一个长期的贷款
把您最初的住房贷款设定一个较长的期限（例如30年），然后在你承受范围之内尽可能多的增加您的还款额度。当你的经济突然变得紧张时，你可以随时降低一些还款。
10 尽快还清贷款
持续一段时间比原本还款额高一些的还款额度都将有利于您整个还款的过程。当您提前几年把贷款还清的时候，您一定会有很大的喜悦。