Approximately 77% NZ property investors सिर्फ single rental property own करते हैं। Portfolio expansion prevent करने वाला primary obstacle motivation या equity नहीं - lenders का income assessment है।
Income Servicing Mechanics
Lenders actual repayment amounts assess नहीं करते। Instead, वे theoretical interest rates - typically around 6.5% - apply करते हैं mortgages stress-test करने के लिए।
Additional factors:
- •Investment mortgages typically 25 years पर calculate होते हैं
- •Rental income roughly 75% पर discount होती है
- •Credit card limits serviceability में count होते हैं
Solutions
1Problematic debts reduce करें - $10,000 credit card limit eliminate करने से ~$46,000 borrowing capacity improve होती है
2Cashflow-positive properties prioritize करें
3Personal income increase करें
4Disciplined financial management implement करें
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