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Latest OCR
2013-05-23

Home owners beware While interest rates remain at record lows in a rising property market, borrowers may be left high and dry when the "dream combination" ends.

The Reserve Bank kept the official cash rate (OCR) locked at its all-time low of 2.5 per cent this morning, as was widely expected.

"What this means for consumers is mortgage rates are set to stay low for the course of this year," Westpac chief economist Dominick Stephens, said.

The lowest rates in 50 years have helped drive up prices in the housing market, particularly in the Auckland and Canterbury regions.

"It sounds like the dream combination for the home buyer, but I wouldn't get too excited...

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Bank signals mortgage restriction
2013-05-21

Big four players will have to hold more capital to cover lending above 80 per cent of the value of property.

The Reserve Bank has given its strongest signal yet that it intends to restrict mortgage lending at high loan-to-value ratios, to rein in credit growth and house price inflation it already regards as "problematic".

The bank confirmed yesterday that it will increase, from September, how much capital the big four banks have to hold to cover lending at LVRs above 80 per cent.

That raises the permanent baseline from which potential temporary, counter-cyclical restrictions on LVRs would apply.

Such restrictions are one of four "macro-prudential...

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少量可承受的保费和无法承受损失你会选择哪一个？
1/4/2018

      新西兰的公费医疗体系虽然比较健全，但医疗卫生的基础设施跟不上、人手不足，以及医疗成本的增加等，公立医院面临着巨大的压力。虽然一些疾病不致死，但在等待看病、排队手术过程中，早已经错过最好的救治时间。结果，病不是自己好了，就是更加严重了。据调查研究，在所有需要手术的患者中，根本排不上号的病人数量竟已经达到17.4万人。也就是说，有相当一部分人是需要进行手术治疗却做不上手术，连排队的机会都没有。那在给自己和家庭构建一个健康的财务体系之前，是不是要同时配置相应的保险保障，从经济的角度弥补你将来可能的无法承受的风险。
      早在2016年的时候，根据TNS的报告指出，新西兰需要接受手术治疗，却根本排不上号的kiwi病人，已经达到了17.4万人。这些人的病情被认为还不够严重，一些人的病情还在观察中，并不足以到达用公费治疗的程度。根据 Health Funds Association of New Zealand调查显示，2017年10月新西兰卫生部报告指出，截止到，2017年10月择期手术平均的等候时间为304天。自2013年以来，等待公费资助择期手术的排队时间又增加了80天。现在每年约有35万的新西兰的成年人需要手术，但只有280,000人能排队进行手术，另外的11万人根本连号都排不上。Ministry of Health一位经理Clare Perry表示：“因为新西兰面临人口老龄化，现在人们寿命也变长，所以，由于公立资源的缺乏以及需要手术治疗的人数增加的情况下，...

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