小心. Reserve Bank 开始打压房价了

guncritx

From RBNZ:

The Reserve Bank has consulted on four tools
it has identified as being helpful in addressing one or
both of the above objectives: adjustments to the core
funding ratio; a counter-cyclical capital buffer; sectoral
capital requirements; and loan-to-value ratio (LVR)
restrictions for residential mortgages.
......

Much of the focus in the submissions was on the
use of LVR restrictions. Key concerns were around
the potential adverse effects such restrictions could
have on first-home buyers, small businesses, and the
Canterbury rebuild. Some submitters suggested that
LVR restrictions could best be applied with exemptions
for some borrowers or targeted at particular regions
where high-LVR lending was more prevalent



LVR) restrictions, but with different features to suit
the circumstances of their respective economies. For
example, maximum LVR ratios of 85 percent were
introduced in Norway and Sweden while in Israel,
where high-LVR lending is less prevalent, LVR ratios
were capped at 75 percent for first-time buyers and
50 percent for investors. In Canada, the Government
plays a dominant role in insuring mortgages and the
policy response involved a tightening of the conditions
required to qualify for this insurance. This included
a reduction in the allowable LVR to 80 percent for
mortgage refinancing or for investment properties, and a
reduction in the maximum allowable mortgage term to 25
years. Switzerland has taken a different approach with
the recent announcement of a macro-prudential capital
buffer applying to banks’ housing exposures



source: http://www.rbnz.govt.nz/finstab/fsreport/fsr_may13_a.pdf
            http://www.rbnz.govt.nz/finstab/fsreport/fsr_may13_b.pdf

xpd2000

参考国内，越调越涨

guncritx

Annie911 发表于 2013-5-8 17:28
提高LVR要求，对首次买家提高了入场门槛，逼这些人继续租房，相当于给租房市场加了一把火；对很多已经有房子 ...

LVR可以应用在投资者或refinance上。NZRB已经參考外国的LVR应用方式。比如说加拿大，RefinanceLVR必须80。很多国家第一间房可以加高LVR，但第二间需要80，第三间要70等等。如果質金夠充足,应该没问题。我已经開始凖備質金在我的小投質房上，以備銀行要我加注来滿足新的LVR要求。

这要看NZRB要打压到那程度上。

John.G

要想打压房价就必须牺牲一批投资客 对投资客第二套及以上直接要求50%的LVR房价肯定跌

quad5

John.G 发表于 2013-5-9 08:01
要想打压房价就必须牺牲一批投资客 对投资客第二套及以上直接要求50%的LVR房价肯定跌

yea, fare eough

bungyjumping999

John.G 发表于 2013-5-9 08:01
要想打压房价就必须牺牲一批投资客 对投资客第二套及以上直接要求50%的LVR房价肯定跌

banks are not owned by reserved banks, they are private lending institutions with view of making profit.
All reserved bank can do is asking for memo of understanding, as an understanding, it is more like persuading, pleading to banks, don't lend too much, please  don't be too aggressive, don't walk too fast, slow down a bit kind of things.

crazymouse

貌似95%在没有贷过 还有就是 能贷95%的。。。。价格大概都是50W以下 而50W以上的 也没啥影响吧

neowing

银行对海外的房产投资者本来就要求30%~35%的首付，一般出租收入的资金流都是正数的，就算调整LVR后影响貌似也不大，不过这部分是少数.

有钱就是硬道理。