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Type: Posts; User: Chris W

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  1. Replies
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    In an environment of increasing interest rates,...

    In an environment of increasing interest rates, it looks like the farmers entered into fixed for floating interest rate swaps to fix their interest rate.

    They wanted to fix their interest rate so...
  2. FYI Wednesday 9 October 2019 Banks have made...

    FYI

    Wednesday 9 October 2019
    Banks have made adjustments to serviceability tests since the Official Cash Rate cut in August, but advisers doubt whether the changes will have a big impact on pass...
  3. Replies
    5,519
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    888,112

    It depends on each individual property investors...

    It depends on each individual property investors objectives. For example:

    1) income oriented
    2) capital gain oriented
    3) total return oriented (combination of income and capital gains)
    4) tax...
  4. Beano, A) Can you clarify further for...

    Beano,

    A) Can you clarify further for floatingisland? Are those lending terms / covenants for:
    1) retail banking customers
    2) business banking customers
    3) commercial banking customers
    ...
  5. Replies
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    I'm not sure I understand you here. How does...

    I'm not sure I understand you here. How does looking at sales prices and rents being achieved tell you that there is a shortage?
    Can you explain how you are able to do that?
  6. Replies
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    Agree with you that the number of unoccupied...

    Agree with you that the number of unoccupied units is an incorrect indicator of a housing shortage or housing surplus. That is the reason for highlighting that Morgan Kelly never used the word...
  7. Replies
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    The video was a clip from a programme of two...

    The video was a clip from a programme of two people discussing the future of property prices in Ireland, so they had one person on each side of the debate - one for property prices being stable, the...
  8. Replies
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    That realisation of an oversupply of houses was...

    That realisation of an oversupply of houses was only made with the benefit of hindsight.

    The narrative in the media at the time was that there was a shortage of housing supply. (I'm aware of...
  9. Replies
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    Here were forecasts for the future Auckland...

    Here were forecasts for the future Auckland population from 2017 (which are used to determine how many residential dwellings are required). Note that there are assumptions made.

    "Our latest...
  10. FYI, I know of a couple of residential dwellings...

    FYI, I know of a couple of residential dwellings that would be considered "ghost houses" in Auckland.

    The property owners are based outside of Auckland, but come to Auckland for work a few days...
  11. Replies
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    FYI, here are a couple of economist's forecasts...

    FYI, here are a couple of economist's forecasts that most people believe are useful in developing their future expectations of house prices -

    1) "Auckland's shortfall is around 46,000 dwellings."...
  12. Replies
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    888,112

    That is an observation made after the property...

    That is an observation made after the property prices had fallen significantly.

    Living in real time, at the time of the peak property prices, economists did not believe that there were too many...
  13. Replies
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    Link not working for some readers depending on...

    Link not working for some readers depending on their individual settings. I scrolled through the thread and I think you are referring to this post on 31 July 2015?

    [/INDENT]
  14. You should ask them on this thread. Someone may...

    You should ask them on this thread. Someone may be able to answer your question.
  15. 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.
  16. 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.
  17. 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. ...
  18. Replies
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    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...
  19. Thread: Net wealth

    by Chris W
    Replies
    9
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    669

    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.
  21. Replies
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    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...
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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?
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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...
  24. Replies
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    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...
  25. 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...
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