2026年新西兰建Granny Flat免BC：贷款到底怎么做？（含3种常见方式）
2026年新西兰Granny Flat免BC政策推出后，后院加建更容易，但贷款逻辑并未简化。本文解析银行评估重点与三种常见贷款路径（Revolving、Equity加贷、建筑贷款），并说明自住与出租的差异与动工前必查要点。
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Granny Flat 在新西兰到底值不值得做？从升值潜力、现金流回报和贷款能力三方面，解析它是否是一个低门槛、稳健的房产投资选择。
Granny Flat 免许可政策下，哪些人真的适合考虑投资？
新西兰 Granny Flat 免许可政策，让很多人开始重新思考住房和投资选择。这个文章会带你快速了解：哪 4 类人最适合考虑 Granny Flat，以及它是否真的能改善你的现金流和生活压力。如果你正在犹豫下一步怎么走，这可能会给你一个不一样的思路。
想换更好的自住房，但担心房贷压力？这 3 个关键判断一定要先想清楚
很多人想换更好的自住房，却担心房贷增加、生活质量下降。其实，换房不等于压力变大。只要在动机判断、原房去留、贷款结构和现金流上提前规划，你完全可以住得更好，同时保持生活的安全感与稳定性。
父母名下房子还能盘活吗？退休后房产与贷款的可行方案
很多父母名下有房，却因退休或收入不被接受，导致贷款无法调整、equity 无法使用。本文解析父母房产为何“动不了”，以及如何通过合理结构，让房子重新发挥价值，既帮助孩子买房，也为父母保留未来生活的选择权。
80% 投资房贷款比例，还来得及吗？
80% 投资房贷款比例并非常态，ANZ 已关闭相关窗口。本文解析新西兰投资房 LVR 政策变化，哪些人仍有操作空间，以及如何提前锁定贷款结构，为下一步购房保留选择权。
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