新西兰首次买主在房价上涨的情况下选择低股权抵押贷款,很快就要面临更高的费用。 New Zealand first-time buyers opt for low equity mortgages amid rising house prices, facing higher fees soon.

在新西兰,首次购房者越来越多地选择低股权抵押贷款,目前占批准额的40.6%。 In New Zealand, first-time home buyers are increasingly opting for low equity mortgages, which now make up 40.6% of approvals. 这些贷款涉及不足20%的存款,随着房价的上涨快于收入,这些贷款越来越普遍。 These loans, involving less than a 20% deposit, have become more common as house prices rise faster than incomes. 从7月1日起, 使用Kainga Ora管理的第一房贷款计划的借款人将面临更高的费用, 贷款人按揭保险由贷款金额的0.5%增至1.2%。 Starting July 1st, borrowers using the Kainga Ora-administered First Home Loan scheme will face higher fees, with lenders mortgage insurance increasing from 0.5% to 1.2% of the loan amount, saving the government $17.9 million annually.