2026年,新西兰首次购房者由于费率降低、供应增加和扩大贷款选择,更容易获得住房。 First-time homebuyers in New Zealand gained easier access to homes in 2026 due to lower rates, more supply, and expanded loan options.

新西兰首次购房者在2026年面临难得的机会,抵押贷款利率降低,住房供应增加,获得低存款贷款的机会增加。 First-time homebuyers in New Zealand face a rare opportunity in 2026, with lower mortgage rates, increased housing supply, and expanded access to low-deposit loans. 2025年底,创纪录的28.4%的财产交易是首次买主进行的,由KiwiSave基金和储备银行规则的修改推动,允许存款不足20%的买主最多获得25%的新贷款。 Record 28.4% of property transactions in late 2025 were by first-time buyers, fueled by KiwiSaver funds and a Reserve Bank rule change allowing up to 25% of new loans for buyers with under 20% deposits. 《Kāinga Ora第一家庭贷款方案》和量身定做的贷款方案有助于推动批准,而财产价值的下降和按揭费用的放松则缩小了租房与买房之间的价格差距。 The Kāinga Ora First Home Loan and tailored lending options have helped boost approvals, while falling property values and easing mortgage costs have narrowed the price gap between renting and buying. 销售量逐年增长19.7%,尽管列名仍然比前一年低18%。 Sales volumes rose 19.7% year-on-year, though listings remain 18% lower than a year prior. 尽管债务还本付息的检查更加严格,但专家说,较小的存款不再妨碍批准,使房屋所有权更容易获得。 Despite stricter debt servicing checks, experts say smaller deposits no longer bar approval, making homeownership more accessible.