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 |
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The following are the current interest rates we offer: Standard rateYou can choose the following annual interest rates (unless you are in default under your loan in which case the default rate applies) Fixed ratesYou 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 (or variable) ratesYou 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 rateIf 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.
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: |
白雪 客户经理 直拨电话: +64(9)338 8185 电子邮件: |
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李延秋 客户经理 直拨电话: +64(9)338 8259 电子邮件: |
胡诗诗 客户经理助理 直拨电话: +64(9)338 8269 电子邮件: |