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CCCFA: Ano ang Kailangang Malaman ng Property Buyers Pagkatapos ng 2024 Reforms

28 May 2025-6 min read-By Jarrod Kirkland

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CCCFA: Ano ang Kailangang Malaman ng Property Buyers Pagkatapos ng 2024 Reforms

Key Takeaways

1Ang pinaka-mahigpit na CCCFA rules ay binawi noong July 2024.
2Ang mga banks ay nag-a-assess na ng mortgage applications nang mas flexible.
3Kung na-decline noong 2022-2023, worth it na mag-reassess ngayon.

Ang Credit Contracts and Consumer Finance Act ay nakaranas ng significant reforms mula 2024.

Ang Credit Contracts and Consumer Finance Act (CCCFA) ay nakaranas ng significant changes noong July 2024.

Maikling Kasaysayan

Nang ang mas mahigpit na lending rules ng CCCFA ay naging effective noong December 2021, lumikha ito ng major obstacles para sa mga property buyers. Kinailangan ng mga banks na gumawa ng exhaustive assessments ng borrower expenses.

July 2024 Reforms

Binawi ng gobyerno ang 11 pages ng prescriptive affordability regulations. Kasama sa mga key changes ang removal ng prescriptive expense categories, mas maraming lender discretion, at reduced compliance burden.

Ano ang Nananatili

Ang mga lenders ay kailangan pa ring gumawa ng reasonable inquiries tungkol sa iyong income at expenses.

Ano ang Ibig Sabihin

Kung na-decline ka noong 2022-2023, ang lending environment ay significantly nagbago na.

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Frequently Asked Questions

Ano ang CCCFA?

Ang Credit Contracts and Consumer Finance Act ay nag-govern ng responsible lending sa NZ. Ang July 2024 reforms ay nag-remove ng most prescriptive requirements.

Ano ang nagbago sa CCCFA noong 2024?

Binawi ng gobyerno ang 11 pages ng prescriptive regulations. Ang mga banks ay makakapag-assess na nang mas flexible.

Disclaimer

The information on this website is for general guidance only and does not constitute financial or investment advice. Always do your own research and seek personalised advice from a qualified financial adviser or mortgage adviser before making financial decisions. All investments carry risk and past performance is not indicative of future results.