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Type: Posts; User: Chris W

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  1. You should ask them on this thread. Someone may...

    You should ask them on this thread. Someone may be able to answer your question.
  2. FYI, heard that another 2 of the big 4 banks also...

    FYI, heard that another 2 of the big 4 banks also reduced their stress test rates.
  3. FYI, just heard that one of the big 4 banks...

    FYI, just heard that one of the big 4 banks reduced their stress test rate by 0.5% yesterday.
  4. It seems like the dynamic of falling or stagnant...

    It seems like the dynamic of falling or stagnant house prices in Auckland is affecting buyer sentiment and buyer confidence and resulting in changed house price expectations in the Auckland market. ...
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    100,491

    Poll: Many property investors (such as Ron Hoy Fong &...

    Many property investors (such as Ron Hoy Fong & Ashley Church) believe that property prices in certain locations in New Zealand double every 10 years (based on historical price increases for the last...
  6. Thread: Net wealth

    by Chris W
    Replies
    9
    Views
    564

    Looking at net worth alone is misleading. Some...

    Looking at net worth alone is misleading. Some rich listers have their entire net worth at risk, whilst others don't.

    There were some really high net worth individuals who were property...
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    FYI, in the 2016/2017 tax year, there were...

    FYI, in the 2016/2017 tax year, there were 116,000 tax filers claiming losses on residential real estate leasing operations.
  8. Replies
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    867,170

    If you believe the risk warning is irrelevant or...

    If you believe the risk warning is irrelevant or unlikely to affect you due to your circumstances, then feel free to ignore it.

    If you live on the West Coast or at 200-300m above sea level, then a...
  9. Replies
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    OnTheMove, Whitianga holiday apartments price...

    OnTheMove,

    Whitianga holiday apartments price dropped from 600k to 150k? Wow - that is a massive 75% drop.
    Any other large price drops that you're aware of?
  10. Replies
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    Perry, you are correct. The key point is that...

    Perry, you are correct.

    The key point is that there are conditions which increase the risk, and other conditions that decrease the risk. There is a continuum between high risk conditions and low...
  11. Replies
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    3,504

    Landlords will no longer be able to rent out...

    Landlords will no longer be able to rent out garages or other unconsented spaces without fear of prosecution under tenancy laws.
    A gap in the law meant that if tenants living in illegal dwellings...
  12. Brokerman, So if loan applicants meet this...

    Brokerman,

    So if loan applicants meet this debt servicing criteria, how long can they go on interest only terms with non banks? 5yrs? 10yrs?

    Also, how much do the non banks discount gross...
  13. Brokerman, 1) do the non banks add an interest...

    Brokerman,

    1) do the non banks add an interest buffer at all? if so, what level is it? 2%? 2.5%?
    2) if they do, what rate do they apply it to? - (e.g to the interest rate actually being paid? or...
  14. No idea. Best for you to talk to your mortgage...

    No idea. Best for you to talk to your mortgage broker.
  15. Replies
    5,381
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    867,170

    Table ...

    Table

    https://pbs.twimg.com/media/D_b2lyXX4AEF0Kx?format=jpg&name=small
  16. Replies
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    New Zealand at risk of a house price crash:...

    New Zealand at risk of a house price crash: Bloomberg

    New Zealand and Canada are the two countries with the most unsustainable housing markets in the world, according to Bloomberg.
    Bloomberg...
  17. From APRA APRA finalises amendments to...

    From APRA

    APRA finalises amendments to guidance on residential mortgage lending5 July 2019


    The Australian Prudential Regulation Authority (APRA) has announced that it will proceed with...
  18. FYI...

    FYI
    https://www.afr.com/business/banking-and-finance/apra-bins-buffer-lets-lending-rip-20190705-p524fm
  19. Replies
    5,381
    Views
    867,170

    In free markets, what the central government...

    In free markets, what the central government wants can be very different to what they ultimately get.

    Look at property prices in:

    1) Ireland 2008/2009
    2) Japan late 1980's to early 1990's
    3)...
  20. Replies
    5,381
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    867,170

    Eri, Think back to 2008/2009 in Auckland. I...

    Eri,

    Think back to 2008/2009 in Auckland. I recall you recounting some stories about price drops during that period.
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    Davo36, Banks do face constraints on lending. ...

    Davo36,

    Banks do face constraints on lending. If you know what constraints they face and the conditions in which they may reach their limits, then you will understand under what conditions there...
  22. Replies
    5,381
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    867,170

    Question: Under what conditions can the price of...

    Question: Under what conditions can the price of new builds drop suddenly?
  23. Replies
    5,381
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    867,170

    FYI, the economists definition of "unaffordable...

    FYI, the economists definition of "unaffordable housing" is different to your definition of "unaffordable housing". If you want to understand what the media and commentators are referring to, here...
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    1,784

    Let's take a look at the underlying cause for the...

    Let's take a look at the underlying cause for the Auckland property ...

    1) When you bought your property in Auckland in 2014, what was your expected capital gain in percentage terms?
    2) what was...
  25. Replies
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    Views
    60,657

    Just out of interest, what would you do with...

    Just out of interest, what would you do with houses built to code at the time of construction that are:

    1) full of asbestos
    2) constructed out of the same cladding materials as used in the...
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