{"id":81,"date":"2024-12-04T07:09:44","date_gmt":"2024-12-03T23:09:44","guid":{"rendered":"https:\/\/licai.nz\/?p=81"},"modified":"2024-12-04T07:09:45","modified_gmt":"2024-12-03T23:09:45","slug":"mortage","status":"publish","type":"post","link":"https:\/\/licai.nz\/index.php\/2024\/12\/04\/mortage\/","title":{"rendered":"\u65b0\u897f\u5170\u8d2d\u623f\u8d37\u6b3e\u6307\u5357\uff1a\u5168\u9762\u89e3\u8bfb\u8d44\u683c\u4e0e\u6761\u4ef6"},"content":{"rendered":"\n

\u65b0\u897f\u5170\u7684\u8d2d\u623f\u8d37\u6b3e\u653f\u7b56\u56e0\u7533\u8bf7\u8005\u7684\u5c45\u4f4f\u8eab\u4efd\u3001\u8d22\u52a1\u72b6\u51b5\u7b49\u591a\u79cd\u56e0\u7d20\u800c\u5f02\u3002\u901a\u8fc7\u5168\u9762\u4e86\u89e3\u8d37\u6b3e\u8d44\u683c\u4e0e\u6761\u4ef6\uff0c\u8d2d\u623f\u8005\u53ef\u4ee5\u66f4\u6709\u6548\u5730\u89c4\u5212\u8d2d\u623f\u8ba1\u5212\uff0c\u5e76\u9009\u62e9\u6700\u9002\u5408\u81ea\u5df1\u7684\u8d37\u6b3e\u65b9\u6848\u3002<\/p>\n\n\n\n

1. \u65b0\u897f\u5170\u516c\u6c11\u548c\u6c38\u4e45\u5c45\u6c11<\/strong><\/h4>\n\n\n\n

\u5168\u9762\u8d37\u6b3e\u9009\u9879\uff1a<\/strong> \u516c\u6c11\u548c\u6c38\u4e45\u5c45\u6c11\u53ef\u4eab\u6709\u6700\u5e7f\u6cdb\u7684\u8d37\u6b3e\u4ea7\u54c1\uff0c\u5305\u62ec\u56fa\u5b9a\u5229\u7387\u3001\u6d6e\u52a8\u5229\u7387\u4ee5\u53ca\u7075\u6d3b\u7684\u8fd8\u6b3e\u8ba1\u5212\u3002
\u8d37\u6b3e\u4e0e\u623f\u4ea7\u4ef7\u503c\u6bd4\u7387 (LVR)\uff1a<\/strong> \u901a\u5e38\u53ef\u4ee5\u8d37\u6b3e\u81f3\u623f\u4ea7\u4ef7\u503c\u768495%\uff0c\u4f46\u9700\u6ee1\u8db3\u8d37\u6b3e\u673a\u6784\u7684\u4fe1\u7528\u8bc4\u5206\u548c\u6536\u5165\u8981\u6c42\u3002\u5bf9\u4e8e\u9996\u6b21\u8d2d\u623f\u8005\uff0c\u90e8\u5206\u8d37\u6b3e\u8ba1\u5212\u5141\u8bb8\u4ee5\u66f4\u4f4e\u7684\u9996\u4ed8\u83b7\u5f97\u8d37\u6b3e\u3002
\u653f\u5e9c\u652f\u6301\u8ba1\u5212\uff1a<\/strong> \u9996\u6b21\u8d2d\u623f\u8d37\u6b3e (First Home Loans)\uff1a<\/strong> \u5141\u8bb8\u9996\u6b21\u8d2d\u623f\u8005\u4ec5\u51ed5%\u7684\u9996\u4ed8\u7533\u8bf7\u8d37\u6b3e\uff0c\u4f46\u9700\u6ee1\u8db3\u6536\u5165\u4e0a\u9650\u548c\u623f\u4ea7\u4ef7\u503c\u9650\u5236\u3002
KiwiSaver HomeStart \u8865\u52a9\uff1a<\/strong> \u63d0\u4f9b\u8d44\u91d1\u652f\u6301\uff0c\u91d1\u989d\u6839\u636e\u8d2d\u623f\u7c7b\u578b\u548c\u4e2a\u4eba KiwiSaver \u8d26\u6237\u7684\u50a8\u84c4\u60c5\u51b5\u800c\u5b9a\uff0c\u6700\u9ad8\u53ef\u8fbe$10,000\u3002
\u9996\u6b21\u8d2d\u623f\u63d0\u6b3e (KiwiSaver First Home Withdrawal)\uff1a<\/strong> \u5141\u8bb8\u9996\u6b21\u8d2d\u623f\u8005\u4ece KiwiSaver \u8d26\u6237\u4e2d\u63d0\u53d6\u90e8\u5206\u8d44\u91d1\u7528\u4e8e\u652f\u4ed8\u9996\u4ed8\u3002

\"\u65b0\u897f\u5170\u623f\u8d37\"<\/p>\n\n\n\n

2. \u5de5\u4f5c\u8bb8\u53ef\u6301\u6709\u8005<\/strong><\/h4>\n\n\n\n

\u8d37\u6b3e\u53ef\u83b7\u5f97\u6027\uff1a<\/strong> \u5de5\u4f5c\u7b7e\u8bc1\u6301\u6709\u8005\u53ef\u4ee5\u7533\u8bf7\u8d37\u6b3e\uff0c\u4f46\u5176\u8d44\u683c\u53d7\u4e25\u683c\u9650\u5236\u3002
\u9996\u4ed8\u8981\u6c42\uff1a<\/strong> \u901a\u5e38\u9700\u8981\u652f\u4ed8\u66f4\u9ad8\u6bd4\u4f8b\u7684\u9996\u4ed8\uff0c\u901a\u5e38\u5728\u623f\u4ea7\u4ef7\u503c\u768420%\u81f350%\u4e4b\u95f4\u3002\u9ad8\u9996\u4ed8\u8981\u6c42\u662f\u4e3a\u4e86\u5f25\u8865\u5176\u8f83\u9ad8\u7684\u8d37\u6b3e\u98ce\u9669\u3002
\u8d37\u6b3e\u989d\u5ea6\u9650\u5236\uff1a<\/strong> \u901a\u5e38\u9650\u5236\u5728\u623f\u4ea7\u4ef7\u503c\u768470%-80%\u3002\u9700\u63d0\u4f9b\u6709\u6548\u7684\u5de5\u4f5c\u8bb8\u53ef\u548c\u6536\u5165\u8bc1\u660e\u3002
\u8d37\u6b3e\u5ba1\u6279\u6311\u6218\uff1a<\/strong> \u9700\u63a5\u53d7\u8d37\u6b3e\u673a\u6784\u66f4\u4e25\u683c\u7684\u8d22\u52a1\u5ba1\u6838\uff0c\u5305\u62ec\u5de5\u4f5c\u7a33\u5b9a\u6027\u548c\u7b7e\u8bc1\u5230\u671f\u65e5\u671f\u3002<\/p>\n\n\n\n

3. \u81ea\u96c7\u4eba\u58eb<\/strong><\/h4>\n\n\n\n

\u8d37\u6b3e\u8d44\u683c\uff1a<\/strong> \u81ea\u96c7\u4eba\u58eb\u53ef\u7533\u8bf7\u8d37\u6b3e\uff0c\u4f46\u56e0\u6536\u5165\u6ce2\u52a8\u8f83\u5927\uff0c\u9700\u63d0\u4f9b\u66f4\u591a\u7684\u8d22\u52a1\u8bc1\u660e\u3002
\u6240\u9700\u6587\u4ef6\uff1a<\/strong> \u901a\u5e38\u9700\u8981\u81f3\u5c11\u4e24\u5e74\u7684\u8d22\u52a1\u62a5\u8868\u548c\u7eb3\u7a0e\u8bb0\u5f55\u3002\u53ef\u80fd\u8fd8\u9700\u63d0\u4f9b\u4f1a\u8ba1\u5e08\u7684\u6536\u5165\u6838\u67e5\u62a5\u544a\u3002
\u975e\u94f6\u884c\u8d37\u6b3e\u9009\u62e9\uff1a<\/strong> \u5982\u679c\u81ea\u96c7\u65f6\u95f4\u4e0d\u8db3\u4e24\u5e74\uff0c\u975e\u94f6\u884c\u8d37\u6b3e\u673a\u6784\u53ef\u80fd\u63d0\u4f9b\u66f4\u7075\u6d3b\u7684\u6761\u4ef6\u3002\u4f46\u5229\u7387\u901a\u5e38\u9ad8\u4e8e\u4f20\u7edf\u94f6\u884c\u3002<\/p>\n\n\n\n

4. \u9996\u6b21\u8d2d\u623f\u8005<\/strong><\/h4>\n\n\n\n

\u7279\u522b\u8ba1\u5212\uff1a<\/strong> \u9996\u6b21\u8d2d\u623f\u8d37\u6b3e (First Home Loans)\uff1a<\/strong> \u53ea\u97005%\u9996\u4ed8\uff0c\u4f46\u9700\u6ee1\u8db3\u6536\u5165\u548c\u623f\u4ea7\u4ef7\u503c\u9650\u5236\u3002
KiwiSaver \u63d0\u6b3e\u548c\u8865\u52a9\uff1a<\/strong> \u662f\u9996\u6b21\u8d2d\u623f\u8005\u652f\u4ed8\u9996\u4ed8\u7684\u91cd\u8981\u8d44\u91d1\u6765\u6e90\u3002
\u623f\u4ea7\u4ef7\u503c\u548c\u6536\u5165\u9650\u5236\uff1a<\/strong> \u653f\u5e9c\u8ba1\u5212\u4f1a\u8bbe\u5b9a\u6bcf\u4e2a\u5730\u533a\u623f\u4ea7\u4ef7\u503c\u7684\u4e0a\u9650\u3002\u7533\u8bf7\u4eba\u9700\u8981\u6ee1\u8db3\u6536\u5165\u4e0a\u9650\u3002
\u6559\u80b2\u652f\u6301\uff1a<\/strong> \u653f\u5e9c\u548c\u94f6\u884c\u63d0\u4f9b\u8d2d\u623f\u6559\u80b2\u8bfe\u7a0b\uff0c\u5e2e\u52a9\u9996\u6b21\u8d2d\u623f\u8005\u4e86\u89e3\u6d41\u7a0b\u5e76\u4f5c\u51fa\u660e\u667a\u9009\u62e9\u3002<\/p>\n\n\n\n

5. \u5e74\u957f\u7533\u8bf7\u8005<\/strong><\/h4>\n\n\n\n

\u507f\u8fd8\u80fd\u529b\uff1a<\/strong> \u5e74\u957f\u7533\u8bf7\u8005\u9700\u8bc1\u660e\u5176\u80fd\u5728\u9000\u4f11\u524d\u507f\u8fd8\u8d37\u6b3e\u3002
\u8d37\u6b3e\u671f\u9650\uff1a<\/strong> \u8d37\u6b3e\u671f\u9650\u901a\u5e38\u8f83\u77ed\uff0c\u4ee5\u786e\u4fdd\u8fd8\u6b3e\u538b\u529b\u4e0d\u4f1a\u8d85\u8fc7\u9000\u4f11\u6536\u5165\u3002\u53ef\u8003\u8651\u4f7f\u7528\u53cd\u5411\u62b5\u62bc\u8d37\u6b3e (Reverse Mortgage) \u4f5c\u4e3a\u9000\u4f11\u540e\u73b0\u91d1\u6d41\u7684\u66ff\u4ee3\u65b9\u6848\u3002
\u6536\u5165\u548c\u8d44\u4ea7\uff1a<\/strong> \u90e8\u5206\u8d37\u6b3e\u673a\u6784\u53ef\u80fd\u63a5\u53d7\u9000\u4f11\u91d1\u6216\u6295\u8d44\u6536\u5165\u4f5c\u4e3a\u6536\u5165\u6765\u6e90\u3002\u5e74\u957f\u7533\u8bf7\u8005\u901a\u5e38\u9700\u63d0\u4f9b\u66f4\u591a\u7684\u8d44\u4ea7\u8bc1\u660e\u3002<\/p>\n\n\n\n

6. \u975e\u5c45\u6c11<\/strong><\/h4>\n\n\n\n

\u6709\u9650\u7684\u8d37\u6b3e\u9009\u62e9\uff1a<\/strong> \u975e\u5c45\u6c11\u7684\u8d2d\u623f\u8d37\u6b3e\u9009\u62e9\u6709\u9650\uff0c\u901a\u5e38\u4ec5\u9650\u4e8e\u7279\u5b9a\u7528\u9014\u548c\u5730\u533a\u3002\u623f\u4ea7\u7c7b\u578b\u9650\u5236\u8f83\u591a\uff0c\u4f8b\u5982\u4e0d\u80fd\u8d2d\u4e70\u519c\u5730\u6216\u8d85\u8fc75\u516c\u9877\u7684\u571f\u5730\u3002
\u9996\u4ed8\u8981\u6c42\uff1a<\/strong> \u901a\u5e38\u9700\u8981\u652f\u4ed8\u8d85\u8fc7\u623f\u4ea7\u4ef7\u503c30%-50%\u7684\u9996\u4ed8\u3002
\u5ba1\u6279\u4e25\u683c\uff1a<\/strong> \u9700\u63d0\u4f9b\u56fd\u9645\u6536\u5165\u8bc1\u660e\u548c\u8be6\u5c3d\u7684\u8d44\u4ea7\u62a5\u544a\u3002\u8d37\u6b3e\u5229\u7387\u53ef\u80fd\u9ad8\u4e8e\u672c\u5730\u5c45\u6c11\u3002<\/p>\n\n\n\n

\u5f71\u54cd\u8d2d\u623f\u8d37\u6b3e\u8d44\u683c\u7684\u5173\u952e\u56e0\u7d20<\/strong><\/h3>\n\n\n\n

\u6536\u5165\u4e0e\u7a33\u5b9a\u6027\uff1a<\/strong> \u7a33\u5b9a\u7684\u6536\u5165\u6765\u6e90\u662f\u83b7\u5f97\u8d37\u6b3e\u6279\u51c6\u7684\u57fa\u7840\u3002\u8f83\u9ad8\u7684\u503a\u52a1\u6536\u5165\u6bd4 (DTI) \u4f1a\u964d\u4f4e\u8d37\u6b3e\u989d\u5ea6\u3002
\u4fe1\u7528\u8bc4\u5206\uff1a<\/strong> \u826f\u597d\u7684\u4fe1\u7528\u8bb0\u5f55\u4f1a\u63d0\u9ad8\u8d37\u6b3e\u6279\u51c6\u7387\uff0c\u5e76\u6709\u52a9\u4e8e\u83b7\u5f97\u8f83\u4f4e\u7684\u5229\u7387\u3002\u4fe1\u7528\u8bc4\u5206\u8f83\u4f4e\u7684\u7533\u8bf7\u4eba\u9700\u63d0\u4f9b\u66f4\u9ad8\u7684\u9996\u4ed8\u3002
\u603b\u503a\u52a1\u6536\u5165\u6bd4 (DTI)\uff1a<\/strong> \u8d37\u6b3e\u673a\u6784\u503e\u5411\u4e8e\u603b\u503a\u52a1\u4e0d\u8d85\u8fc7\u603b\u6536\u516540%\u7684\u501f\u6b3e\u4eba\u3002
\u8d37\u6b3e\u4e0e\u623f\u4ea7\u4ef7\u503c\u6bd4\u7387 (LVR)\uff1a<\/strong> LVR \u901a\u5e38\u9650\u5236\u572880%-95%\uff0c\u9996\u4ed8\u6bd4\u4f8b\u4e0e LVR \u5bc6\u5207\u76f8\u5173\u3002
\u8d37\u6b3e\u673a\u6784\u653f\u7b56\uff1a<\/strong> \u6bcf\u4e2a\u8d37\u6b3e\u673a\u6784\u7684\u8981\u6c42\u7565\u6709\u4e0d\u540c\uff0c\u53ef\u901a\u8fc7\u8d37\u6b3e\u7ecf\u7eaa\u4eba\u6bd4\u8f83\u4e0d\u540c\u9009\u9879\u3002
\u65b0\u897f\u5170\u50a8\u5907\u94f6\u884c\u7684\u653f\u7b56\uff1a<\/strong> \u50a8\u5907\u94f6\u884c\u5bf9\u623f\u8d37\u5e02\u573a\u8fdb\u884c\u5b8f\u89c2\u8c03\u63a7\uff0c\u8bbe\u7f6e\u4e86 LVR \u9650\u5236\u548c\u5176\u4ed6\u76d1\u7ba1\u63aa\u65bd\u3002<\/p>\n\n\n\n

\u8d37\u6b3e\u7533\u8bf7\u6d41\u7a0b\u4e0e\u5efa\u8bae<\/strong><\/h3>\n\n\n\n

\u8bc4\u4f30\u81ea\u8eab\u8d22\u52a1\u80fd\u529b\uff1a<\/strong> \u6839\u636e\u6536\u5165\u3001\u652f\u51fa\u548c\u8d44\u4ea7\u8d1f\u503a\u60c5\u51b5\u8ba1\u7b97\u53ef\u627f\u53d7\u7684\u623f\u8d37\u989d\u5ea6\u3002
\u5bfb\u627e\u8d37\u6b3e\u7ecf\u7eaa\u4eba\uff1a<\/strong> \u8d37\u6b3e\u7ecf\u7eaa\u4eba\u719f\u6089\u5e02\u573a\u653f\u7b56\uff0c\u80fd\u5e2e\u52a9\u9009\u62e9\u6700\u4f18\u8d37\u6b3e\u65b9\u6848\u3002
\u63d0\u524d\u51c6\u5907\u6587\u4ef6\uff1a<\/strong> \u5305\u62ec\u6536\u5165\u8bc1\u660e\u3001\u7a0e\u52a1\u8bb0\u5f55\u548c\u4fe1\u7528\u62a5\u544a\u3002
\u6bd4\u8f83\u591a\u5bb6\u673a\u6784\uff1a<\/strong> \u9009\u62e9\u5229\u7387\u548c\u6761\u6b3e\u6700\u9002\u5408\u7684\u8d37\u6b3e\u673a\u6784\u3002
\u5229\u7528\u5728\u7ebf\u5de5\u5177\uff1a<\/strong> \u4f7f\u7528\u8d37\u6b3e\u8ba1\u7b97\u5668\u9884\u6d4b\u8fd8\u6b3e\u91d1\u989d\u548c\u8d37\u6b3e\u671f\u9650\u3002<\/p>\n\n\n\n

\u901a\u8fc7\u5168\u9762\u4e86\u89e3\u8d37\u6b3e\u653f\u7b56\u548c\u89c4\u5212\u8d22\u52a1\uff0c\u65b0\u897f\u5170\u7684\u8d2d\u623f\u8005\u53ef\u4ee5\u66f4\u9ad8\u6548\u5730\u5b8c\u6210\u8d37\u6b3e\u7533\u8bf7\uff0c\u5e76\u5728\u8d2d\u623f\u8fc7\u7a0b\u4e2d\u5b9e\u73b0\u8d22\u52a1\u76ee\u6807\u3002<\/p>\n\n\n\n

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