升级自住房，卖不卖原来的房子，该怎么判断？
在新西兰升级自住房时，原来的自住房要不要卖，并没有统一答案。关键不在于“卖或不卖”，而在于是否影响换房、现金流压力，以及贷款结构是否提前规划。本文通过真实案例，拆解升级自住房时更理性的判断方式。
2026 新西兰房市与利率分析：普通家庭该怎么选？
2026 年新西兰房市进入温和复苏阶段，利率下降空间有限。本文从利率走势、房价判断及普通家庭贷款策略出发，解析在不确定环境中如何稳住现金流、避免盲目押方向。
为什么提前还房贷，可能让你每年多交数万税？
很多人都会做的“看似正确决定” 很多人在有了一笔存款后，第一反应都是：“先把房贷还掉，心里踏实。” 这位客户也是这样想的。 但如果他当时真的这样做了，之后的每一年，都会白白多交将近 3 万纽币的税。 - 客户原本的贷款与财务状况...
最新政策下买投资房，很多人可以做到 100% 融资！
过去相当长一段时间，许多打算购买投资房的客户都面临同一个困难：首付必须达到 30%。 然而，2024–2025 年的新西兰贷款环境出现关键变化：随着储备银行（Reserve Bank of New Zealand）调整投资房 LVR 限额，以及银行与非银行贷款机构的政...
新西兰投资房最高可贷 80%–85%！Refinance / Top-up 最新政策详解
为什么这次政策对投资者特别关键？ 如果你已经有投资房、贷款比例不超过七成； 或者你正在买投资房，但被首付不足、Equity 不够卡住—— 那今天这篇内容，对你来说非常关键。 因为这代表着： 你可能瞬间释放更多 Equ...
投资房会不会倒贴？一张表测出“以房养房”临界点
用《投资房持有成本压力计算器》在出手前量化现金流、利率、空置与提租情景，判断是否会倒贴、何时以房养房，并用 Early Access Clause 把空置降到最低，稳健做决定。
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