Investment Property

Income Hurdle: Bakit Karamihan ng Kiwi Investors ay May Isang Investment Property Lang

29 May 2025-6 min read-By Jarrod Kirkland

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Income Hurdle: Bakit Karamihan ng Kiwi Investors ay May Isang Investment Property Lang

Key Takeaways

1Ang income servicing ang pangunahing barrier na pumipigil sa portfolio expansion.
2Ang mga lenders ay nag-stress-test ng mortgages sa ~6.5%.
3Ang pagbawas ng credit card limits ay isa sa pinakamabilis na paraan.

Humigit-kumulang 77% ng NZ property investors ay may isang rental property lang. Ang pangunahing obstacle ay income assessment.

Humigit-kumulang 77% ng NZ property investors ay may isang rental property lang. Ang pangunahing obstacle na pumipigil sa portfolio expansion ay hindi motivation o equity - kundi income assessment ng mga lenders.

Income Servicing Mechanics

Hindi ina-assess ng mga lenders ang actual repayment amounts. Sa halip, nag-a-apply sila ng theoretical interest rates - karaniwang around 6.5% - para i-stress-test ang mortgages.

Karagdagang factors:

•Ang investment mortgages ay karaniwang kinakalkula sa 25 years
•Ang rental income ay dini-discount sa roughly 75%
•Ang credit card limits ay binibilang sa serviceability

Mga Solusyon

1Bawasan ang problematic debts - ang pag-eliminate ng $10,000 credit card limit ay nagpapabuti ng borrowing capacity ng ~$46,000

2I-prioritize ang cashflow-positive properties

3Dagdagan ang personal income

4Mag-implement ng disciplined financial management

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Frequently Asked Questions

Bakit karamihan ng NZ investors ay may isang property lang?

Ang pangunahing obstacle ay income assessment ng lenders, hindi motivation o equity.

Paano nakakatulong ang pag-eliminate ng credit card limits?

Ang $10,000 credit card limit ay makakapag-reduce ng borrowing capacity ng ~$46,000.

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.