ThePoint MARS Blog:疫情对地产行业的影响和未来发展趋势 - 澳纽网专栏





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MARS Blog:疫情对地产行业的影响和未来发展趋势

作者: 老墨儿    人气: 4815    日期: 2020/5/10


为应对疫情,新西兰采取了封城措施,居家办公促进了社交类软件的发展。很多公司都采用Zoom微信进行视频会议,而人们很快就适应了这种新的会议形式。

前不久新西兰储备银行宣布废除LVR限制,这让首次购房者能够以更低的首付贷款买房,那些高收入的地产投资者将从中受益。

新西兰最近宣布了面向中小企业1万至10万新西兰元的商业贷款政策,补充了政府的救市计划。该项商业贷款是为了支持那些因为Lockdown而受损严重,急需帮助的企业,这是政府有责任,但银行会对企业进行慎重评估,然后放贷。

政府还表示,将会加快Building Consents的审批流程,加速建筑行业的发展,进而能够提供更多的就业岗位。但目前的情况是,奥克兰议会的效率需要40天才能审批Building Consents,而疫情之前仅需20天。

就目前来看,商业地产和高层公寓的发展趋势还不明朗,但住宅需求却十分强劲,市场将供不应求。虽然很难预测未来一年市场的具体发展,但随着许多行业的复苏,地产行业的发展会日趋明显。相比针对地产发展互联网上莫衷一是的各种“专家意见”,我们不如静观其变,让市场的数据说话。

各大银行为竞争贷款市场,争夺客户,抵押贷款年利率降至2.99%。这是二战以来新西兰最低的贷款利率,对买家来说十分利好。


 原文链接:https://images.weserv.nl/?url=https://marsrealty.co.nz/whats-new-in-real-estate

以下英文原文:

Technology adoption and usage has had a massive increase in the CV19 lockdown and is likely to be continued and become more common in usage – why drive through rush hour traffic when you can Zoom or WeChat video to meet online?

LVR Rules being abolished is another HUGE change as this removes the Reserve Bank restriction put in place in late 2017 on deposit sizes – so first home buyers with low deposit but high incomes will now be able to buy a home, subject to banking consent. And investors who have strong business cashflow or personal income will be able to use equity in their existing portfolio more positively than when LVR rules were introduced so both these sectors of the market will benefit.

The new business loan of $10,000 to a maximum of $100,000 announced recently by the Govt was due to banks not approving many business loans under the previous package. Banks are not social services and will use their own assessment business criteria upon loans whereas the Govt. is wishing to be more supportive of any business that was solvent before CV19 and needs assistance to recover due to the impact and economic fallout of the Level 4 lockdown.

The Govt has also said it wishes more speedy building consents processes to see new build construction increase rapidly to help soak up rising unemployment numbers – unfortunately in Auckland, the Council has advised that due to CV19, they will now be taking up to 40 days to review and process building consents, double the previous 20 days before CV19 – a disconnect it appears!

Commercial construction and high rise apartment blocks certainly appear to be in doubt now whereas demand for residential property still appears strong with more buyers than sellers likely in the next few months – but what nobody can predict is how the market will react by say 2021 with unknowns in recovery in many industries. The market is the market and will show us as time passes but really the multiple “opinions of experts” being offered every second day is all rather moot.

And breaking news in the past 2 days is mortgage interest rates have dropped to 2.99% pa. as mortgage war breaks out between banks – great for qualifying buyers and the lowest rates in 70 years since WW2!







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