大约77%的新西兰房产投资者只拥有一套出租房产。主要障碍是贷款机构的收入评估。
大约77%的新西兰房产投资者只拥有一套出租房产。阻止投资组合扩张的主要障碍不是动力或资产——而是贷款机构的收入评估。
贷款机构不评估实际还款金额。相反，他们应用理论利率——通常约为6.5%——来压力测试房贷。额外因素包括：投资房贷通常按25年计算、租金收入折算至约75%、信用卡额度计入偿债能力。
Our expert advisers are here to guide you through every step of your mortgage journey. Get in touch for a free, no-obligation consultation.
Talk to an Adviser主要障碍是贷款机构的收入评估，而非动力或资产。
$10,000的信用卡额度可减少约$46,000的借贷能力。
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.
We can process your mortgage from anywhere in New Zealand using video meetings. If you don't live in one of these areas, simply choose any region to find an adviser.