房产贷款
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如果您希望在新西兰购置房产,作为您专业可靠的伙伴,我们的房产按揭服务会根据您的个人需要,安排合适的贷款、利率和还款计划,为您奠定稳固的置业基础。

个人住房贷款披露

Annual Interest Rates

The following are the current interest rates we offer:

Standard rate

You can choose the following annual interest rates (unless you are in default under your loan

in which case the default rate applies)

Fixed rates

You can request a fixed rate for a term of 6 months or up to 5 years to apply to your residential

home loan and the annual interest rate will not change during that period. Fixed rate quoted

is for LVR under 80%.Currently our rates are:

 
Floating
6 Months
1 Year
2 Years
3 Years
4 Years
5 Years
Standard 5.50 4.70 4.70 4.80 4.95 4.95 4.95
Special     3.19 3.19 3.19 3.30 3.45

*Rates are subject to change

*Minimum lending from $500,000

*CCBNZ lending criterias apply & special conditions apply

*Subject to general terms & conditions

*Special interest rate conditions: minimum 20% equity required in the security provided to CCBNZ. Applicable to home loans serviced by NZ local income only. These special rates are not applicable to home loans for business purposes and bridging loans.

*CCBNZ reserves the right to amend these terms and conditions as it considers appropriate from time to time without notice

Floating (or variable) rates

You can request a floating (variable) rate to apply to your residential home loan. Currently,

we offer a floating rate of [5.50]% per annum.

Also, you should be aware that the floating interest range will change from time to time in

accordance with general market conditions.

Please note: The rate we charge you within the above range will depend on your personal

circumstances,including how much you want to borrow, the term of your loan, your income,

credit history and other financial commitments. We aim to keep our interest rates competitive.

Please contact us if you want more information.

Default rate

If you do not pay an amount when it is due, the default interest rate is the annual interest rate

plus 6% per annum.

Floating (or variable) rates

You can request a floating (variable) rate to apply to your residential home loan. Currently,

we offer a floating rate of [5.80]% per annum.

Also, you should be aware that the floating interest range will change from time to time in

accordance with general market conditions.

Please note: The rate we charge you within the above range will depend on your personal

circumstances,including how much you want to borrow, the term of your loan, your income,

credit history and other financial commitments. We aim to keep our interest rates competitive.

Please contact us if you want more information.

Default rate

If you do not pay an amount when it is due, the default interest rate is the annual interest rate

plus 6% per annum.


Please note that these rates, fees and charges will change from time to time.

标准合同

目前,中国建设银行(新西兰)有限公司个人信贷产品只提供个人住房按揭贷款,最新条款如下:

1.  Home Loan Contract

The standard form home loan contract comprises:

   Home Loan Agreement Specific Terms

   Home Loan Agreement General Terms and Conditions

2.  Deed of guarantee and indemnity

If a guarantor is required, the guarantor will need to sign a deed of guarantee and indemnity.

   Deed of guarantee and indemnity

3.  Memorandum of mortgage

The memorandum of mortgage that is registered will incorporate the terms of the Auckland

District Law Society Inc “all obligations” form of mortgage.

   Mortgage Memorandum – All Obligations (RGL 2015/4328)

4. Fees and Charges

We may change our fees and charges from time to time in accordance with clause 10.2(b) of the

General Terms.

   Loan Fees And Charges

Copies of these documents can be seen by clicking on the above links.

联系方式

杨阳

客户经理

直拨电话:

+64(9)338 8262

电子邮件:

homeloan@nz.ccb.com

kerry1

白雪

客户经理

直拨电话:

+64(9)338 8185

电子邮件:

homeloan@nz.ccb.com

snow1

李延秋

客户经理

直拨电话:

+64(9)338 8259

电子邮件:

homeloan@nz.ccb.com

ivan2

胡诗诗

客户经理助理

直拨电话:

+64(9)338 8269

电子邮件:

homeloan@nz.ccb.com

sam1