Reserve Bank’s new loan restrictions from October 10月へむけての銀行の動き

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The RBNZ (Reserve Bank New Zealand) expected that the investor restrictions, which will require a 30% deposit when borrowing for an investment property from October.

Also, they expected the application for higher loan rate for the investors than residential purpose.

If it will rise by even 1 percent, many investors would suffer from the repayment of principal, so demand of the property investment will be likely to be reduced.

There were not enough new homes being built, while the demand for homes was rising with a record migration boom, low interest rates and “increasing investor activity”.

The government focus on two aspects, encouraging the investment for new houses and preferential treatment for the First Home Buyers

We, Japan Homes Limited, also need to highly focus on building new houses which are comfortable and affordable on speedy construction term to respond to the demand and supply new homes. 
【Japanese】

ニュージーランド中央銀行は、10月からの投資家へのーンの頭金を30%以上とすること。


その他、通常の居住用の住宅ローンより高い金利を投資家に適用することを想定しています。
1%でも高くなれば、元本の返済などに行き詰る投資家も多い可能性もあり、投資家の住宅需要は沈静化していく可能性もある。
政府の動きは、新築への投資への奨励。そしてFIRSTHOMEBUYERへの優遇。この2つに絞られてきている。世の中の動きとしてはもっともな動きになる。
ジャパンホームズとしては、世の中の動きでもある住宅供給=新築需要に十分にこたえられるように、安く、はやく、心安らぐ家つくりに注力していく必要がある。
参照元

Author

おか部 雅彦
おか部 雅彦Japan homes Directer
Born in Japan in 1973. At University I learned Japanese History.

After graduation, I worked at a major Dental material company as a top salesman. In 2002 I firstly set my foot on land in New Zealand, and have started to engage in NZ Construction firm since 2004. From the 8 years' experiences at construction sites and sales experiences in Japan, I devote myself to satisfy customers from consultation to construction and after care services.

Within the first 4 years after the foundation, half of Japan Homes' customers were similar ages of mine. So that their life environment such as a number of children were also similar to mine therefore I was able to understand the customers' situations and wants more. Meanwhile there are also many customers of my father's generation, which is always appreciated because I can learn lots of good things from them.

We try our best to provide services that you satisfy, such as schedule, quality and after care service.

"I can trust you with any projects." "You are the man who I can rely on when I am in trouble." I enjoy working to get these words more times and to create as more smiles as possible.

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