However, many investors believe that Wheeler's action is more important to lay the foundation for interest rate cuts, and to prevent the current policy of interest rate cuts for deflation from intensifying the purchase desire of real estate investors. Although, the Prime Minister and Labour Finance Bureau spokesman Grant? Robertson will think that the Reserve Bank's measures are right, but the outside world doubts its real role.
How to immigrate to New Zealand through housing loan? First, apply for loan processing procedures
First of all, you should choose a local bank in New Zealand to apply for a loan (a transfer bank that can make a down payment), and provide some original materials for loan review, such as proof of domestic funds, personal income, bank flow, etc. After giving this document, the bank will also give you pre-approval. After Party A and Party B sign the real estate sales contract, we can sign the loan agreement with the bank.
Second, the purchase process in New Zealand
There are four ways to buy and sell houses in New Zealand:
A. Bidding is the most common way to buy a house in New Zealand, and most of the better houses are bought in this way. Auction institutions usually put openhome for about 3 weeks, and bid on Sunday in the fourth week.
B. Bargaining, immediately negotiate the price with the merchant, and the whole process of buying a house is a written notice. Everyone clearly put forward the text of the purchase price and conveyed it to the seller through the intermediary until the merchant signed the transaction volume.
C. Bidding, that is, before the specified trading time, all customers submit bids in writing to the appraiser, and the appraiser will open bids at the same time at a specific time, and the highest bidder will trade the volume.
D. firm price, only suitable for new houses or businesses that are not in a hurry to sell. Generally speaking, merchants bid higher.
Compared with customers, after looking after the house, you should first find a lawyer to help you look at the legal terms of the house, and arrange for the surveyor to show the builderreport before you can buy it at a reasonable price.
Third, down payment
Under normal circumstances, when a house purchase and sale agreement is reached, the buyer must pay the advance payment equivalent to 10% of the total house price on site, and then settle the balance on the trading day agreed in the transaction agreement. Calculated by a house of 654.38+00,000 NZD, it is 654.38+00,000 NZD.