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http://www.interest.co.nz/news/8 ... ng-loans-buy-houses
BNZ tightens rules for non-NZ & Australian citizens seeking loans to buy houses
Posted in News June 10, 2016 - 02:51pm, Gareth Vaughan
BNZ has become the third of New Zealand's big four banks to tighten the screws on offshore house buyers looking for a mortgage.
Its changes come after ANZ and Westpac unveiled changes on Thursday.
"As part of being a prudent lender, BNZ is constantly reviewing and adapting our lending criteria to reflect current conditions, and as a result we are changing our policy on how we recognise foreign income for lending," BNZ says in a statement.
The changes include;
1. Foreign income of people who are not New Zealand or Australian citizens, or do not hold a current permanent residency visa won’t be recognised for servicing purposes. This is the case, regardless of whether or not they reside in New Zealand.
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2. New Zealand and Australian citizens and permanent residency holders, who are not currently residing in New Zealand using foreign income to service a loan will now have a maximum allowable LVR of 60% [down from what typically would be 80%]. Customers in this category will also have a 40% shade applied to the value of their income earned overseas, when calculating their ability to service the loan. This means if a customer is a NZ or Australian citizen who is living overseas and earning income overseas, only 60% of that income will be taken into account when we're considering their ability to service a new home loan in NZ.
BNZ says it has "a robust income verification process" for all lending.
"These policy changes reflect our commitment to implementing best practice policies for our wide customer base."
The moves by NZ's big banks come after their Australian parentshalted lending to non-residents and temporary visa holders earlier this year. Subsequent to that The Australian Financial Review reported both ANZ and Westpac had discovered they had approved "hundreds" of home loans backed by fraudulent Chinese income documents, allegedly put together with the assistance of mortgage brokers.
Interest.co.nz reported last week on suggestions of mortgage fraud in NZ along the lines of that reported by the AFR in Australia.
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what are the big 4 banks in nz
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yea thats good news. the governors should be protecting its people, when comparable disadvantages become more burdensome for its own people, or resources being misappropriated and less controllable for the nation.
use the invisible hand to shield against those negative impacts. yep, go for it!
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ASB表示 啊 傻逼了
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ASB房贷比例在这几大行当中也许是最低的。几乎就一直处于拒绝房贷的状态，还需要表态吗？
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估计ASB 下周就会有新的政策出来了。
拭目以待！！！
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估计也快了！！！！！！！！！！！！！！！！！
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房价的冬天要来了
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你如果有机会接触到储备银行每个季度的net registeration of mortgage ,你就会知道房贷的市场占有率，ASB 只排在ANZ之后，在westpac和BNZ之前。
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呵呵，看来没有一家银行不喜欢钱的。。。。。
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ASB走小心驶得万年船路线，risk taking上比ANZ保守多了。我基本所有东西都用ASB，然后他给我的mortgage deal竟然还没有ANZ给的好。侧面也多少能看出ANZ冲得很厉害。
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这次信贷收紧绝对不会是银行良心发现或政府为了保障民生行为，肯定是金额风险管理控制，真的是08以来的第二次金额危机来了吗？
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不知道是不是金额管制，反正上个月我去做贷款top up，那叫一个难。最后还是没贷出来，索性等着吧，房事要跌。论坛里好多名人都这么认为了。黑羊。。等等
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英国人不论老幼都开始買金避雨了
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尼玛asb从年初就不做了，只是没有条文罢了，大街上问问谁从今年2月起还有海外收入在asb批过预批
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现在建行 工行是什么情况
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更难，在工行的哥们说别在他那做，不合适。除非你有国内房屋担保，但其他方面不合适
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不是100万以上的贷款不做，必须要有国内房产作担保，还有其他条件若干。interest rate也稍微高点。
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那新西兰房价一跌，还得把国内的房子搭进去哦
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我...............
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批了多少，？