Banks care more about income than equity
Homeowners who want to tap into their increased equity in their homes are being warned they may be disappointed, unless they have had an income boost, too.
Mortgage broker Christine Lockie, of LoanPlan, said, provided borrowers met loan-to-value restrictions, banks were putting means, income and cashflow first.
"It would appear that many home owners don't want to risk selling their properties if they are unable to replace their existing home within their affordability.

"Instead they're looking to stay put and renovate. However, often increasing an existing mortgage is not easy even when there is good equity,” she said.
"It's all about affordability and how much cash you have left over at the end of the month. Banks will calculate the ability to repay debt at interest rates of, for example, between 4.85% and 7.65% – each bank has its own assessment interest rates," she said.
"The price rises in Auckland and regional areas have diminished the weight that equity used to carry. Added to this are factors like the Responsible Lending Code that banks must abide by. I would suggest that the banks are no longer what we would call equity lenders — it's affordability, income and lifestyle that count."
（From http://www.goodreturns.co.nz/article/976504455/banks-care-more-about-income-than-equity.html?utm_source=GR&utm_medium=email&utm_campaign=Mortgage+lending+drops+）
 
房市新政：“变化莫测”终来临
引言：新西兰联储推出新LVR限制建议后，不到三天各大银行都已经完成了该银行的政策改变。这样“快速”地行动又要给新西兰房产市场带来了怎么样的改变呢？
新LVR政策出台：申请贷款，银行“重”看收入
新LVR限制调整了新西兰全国投资房屋贷款的比例上限为60%。也就是只要投资房屋贷款，购房者需支付整体房价的4成作为首付。各大银行都已经开始施行。所以如果想用之前购买的物业做抵押申请贷款的人可能要失望了，因为银行现在更看重贷款申请人的收入情况。
在贷款比例一定的情况下（自住房屋80%，投资房屋60%），银行考虑率先批准的贷款，一定是高收入和足够首付的申请。这样看来，很多业主在收入没有增长的情况下，是很难增加（top-up）原有贷款的。
是“机遇”还是“更高挑战”
·         首次购房者
对于首次购房者来说，对投资者采取更严格的LVR政策，无疑是“天籁福音”。新LVR限制限制了市场一定程度的竞争者（投资者）。投资者在进行新的购房行为时，会因为4成的首付，无法用之前房屋抵押（Security）等情况，更谨慎自己的投资行为，而整体市场上购房竞争者有所减少，首次购房者可获得更多购房机会。
·         8月下调OCR
在联储出台新LVR政策后，很多经济学家都表示，8月降息的可能又上升了。他们分析，联储可能担心8月降息引来新一轮的房市增长，而导致国内经济稳定风险。所以决定率先出台限制新政控制房市买卖数量，来为8月份降息做准备。如果8月份联储降息，那么银行的贷款利率也会随之变动。这对自住购房者和投资者都是“好消息”。
·         更多选择：财务公司
银行的贷款条件更加严格了，但是投资者还可以选择财务公司。有贷款顾问（Broker）表示：全球金融市场下，财务公司是必不可少的一部分。此次新政的施行，对财务公司无疑是“春天”来临。
首先，财务公司对于投资者的贷款申请没有上线为60%的要求。每一笔贷款的比例可以具体和每一家财务公司沟通。其次，贷款利息没有“想象中”高。现在已经不再是过去12%利率的年代，很多财务公司的利率都已经在10%以下。要知道现在投资者在部分银行申请贷款利率也高于自住房屋的利率。
·         一房难求
新西兰市场上可交易楼盘数量下降迅速。Trade Me发布的六月份的数据，其中可出售物业，比上年同期下降40％。而惠灵顿地区房源数量最低，现有房源大概只能“坚持” 几个星期。就这样供给不足的情况，惠灵顿市中心的平均房价仍然从五月份的61万纽币左右上涨到了62万5千纽币，整整上升了2.5%左右。
总而言之，新LVR政策让房市获得更多的关注。新西兰联储、各大银行、经济学家、购房者还有TFS都会时刻关注着房产市场的最新变动。联系TFS，通过我们的努力让你成功贷款，给你的购房之路“增砖添瓦”。