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Type: Posts; User: JBM

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  1. Thread: Interest Rates

    by JBM
    Replies
    5,815
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    934,155

    Yes maybe get 4.3% if you got 20mill on tick

    Yes maybe get 4.3% if you got 20mill on tick
  2. Replies
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    383

    Yes like you say if we ever airbnb are own house...

    Yes like you say if we ever airbnb are own house we would be liable for GST I understand that ..

    Reason of course to have commercial property in trust is tax distribution to wifeís 17.5% min tax...
  3. Replies
    9
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    383

    Very interesting ross love your work ...actually...

    Very interesting ross love your work ...actually thinking about structural changes at present don't know if i have many options to get what I'm
    after>>>

    Currently got a trading company than I use...
  4. Replies
    6
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    888

    exactly and the reason why I now am thinking...

    exactly and the reason why I now am thinking about dissolving the family trust as I'm not enjoying to pay my lawyers $450-$600 when it comes to re-fixing my trust loan for another 1yr fixed term and...
  5. Thread: Interest Rates

    by JBM
    Replies
    5,815
    Views
    934,155

    Didn't get one .. but would going off the rates...

    Didn't get one .. but would going off the rates would be around 5% one would think
  6. So currently here in little old NZ we have 160+%...

    So currently here in little old NZ we have 160+% Household DEBT to incomes we are third in the world leading this stat..

    Aus/Canada only higher by a few percent

    Now talking around NZ RES...
  7. Thread: Interest Rates

    by JBM
    Replies
    5,815
    Views
    934,155

    Yes as its using personal residential equity...

    Yes as its using personal residential equity otherwise I'd be looking at

    In terms of business lending
    6 mths 5.25%
    12 mths 4.45%
    18 mths 4.59%
    24 mths 4.39%
    36 mths 4.55%
    48 mths 4.85%
    60...
  8. The next upwards cycle canít begin till we see a...

    The next upwards cycle canít begin till we see a wash away all of the excesses like all Booms we must see a Bust or I canít see how one has another boom the record low rates certainly helped drive...
  9. Thread: Interest Rates

    by JBM
    Replies
    5,815
    Views
    934,155

    So going take the 3.79% 1yr fixed term on the...

    So going take the 3.79% 1yr fixed term on the company loans (business) and was going to go with the same rate over 2yrs for the commercial property loan but now as business confindence is at record...
  10. Iron ore / Gold both at high sellings prices be...

    Iron ore / Gold both at high sellings prices be great for many of the WA miners...cataylst to see floor under perth RE ??
  11. Replies
    14
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    989

    Well End of the day if its around the same asking...

    Well End of the day if its around the same asking price as a same age ,size non plaster clad home in the same suburb I know which one I'd be making an offer on ... think more details needed jack
  12. Thread: Interest Rates

    by JBM
    Replies
    5,815
    Views
    934,155

    Refinance time as my 1yr fixed terms have come up...

    Refinance time as my 1yr fixed terms have come up ...
  13. Replies
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    989

    we built the monolithics 2004 -2006 with the same...

    we built the monolithics 2004 -2006 with the same specs in Queenstown .. did at least have double glazing ...also not as good noise reduction from outside noise .. did rent a 90's monolithic cladded...
  14. Replies
    14
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    989

    Nope---- back during those years we built houses...

    Nope---- back during those years we built houses with those cladding specs, councils , designers fully approvaled the lower cost option in hindsight was criminally stupid ... I rememeber filling...
  15. Replies
    5,364
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    838,783

    That GFC2.0 is coming down the line but hoping to...

    That GFC2.0 is coming down the line but hoping to push it off a few months with every cut hoping it will all just fix its self with maybe another world war etc
  16. Thread: Interest Rates

    by JBM
    Replies
    5,815
    Views
    934,155

    In talking with my current bank Westpac they are...

    In talking with my current bank Westpac they are currently offering me $1750 cash + 3.79% 2yr trying to get the same deal for 1yr fixed term .. looks like I still had another 1yr to go on the last...
  17. Replies
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    838,783

    WTF is going on

    What I'm finding very disturbing is how back when we had the first GFC property slow-down and seen median rates drop to record LOWs interest rates all the Govt. / Central bankers were stating it was...
  18. Replies
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    838,783

    Well, of course, one could say as the banks will...

    Well, of course, one could say as the banks will lend 90%+ of the value of Res Property and the interest payments on the loan are less than renting a similar house thats affordable.. well till...
  19. Replies
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    838,783

    It's already causing grief ... NZ has one of the...

    It's already causing grief ... NZ has one of the most unaffordable housing markets in the world
  20. Replies
    5,364
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    838,783

    Unless like we see in central Otago region(and...

    Unless like we see in central Otago region(and Iím sure many others) employers forced to pay more to attract skilled workers .. as costs of living are so high now(limited rentals)
    only rich...
  21. Replies
    277
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    55,585

    How bad of damage ?? pretty disgusting allowed in...

    How bad of damage ?? pretty disgusting allowed in too then take the piss ... deport time
  22. Thread: Interest Rates

    by JBM
    Replies
    5,815
    Views
    934,155

    Yeah my mistake LOL so 2016 ........

    Yeah my mistake LOL so 2016 ........
  23. Thread: Interest Rates

    by JBM
    Replies
    5,815
    Views
    934,155

    talking with ASB $4500 cash back ..best fixed...

    talking with ASB $4500 cash back ..best fixed rate 2yr 4.85% ... better deal than ANZ .. just waiting on WP to get back in touch see what they will offer to stay ..
  24. Replies
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    55,585

    Maybe those working in the property sector ??...

    Maybe those working in the property sector ?? tradies, RE agents , lawyers and many white-collar workers where you can just pass on the inflation to consumers .... but certainly not in my export...
  25. Thread: Interest Rates

    by JBM
    Replies
    5,815
    Views
    934,155

    RBA cuts to record low 1.25% RBNZ to follow IMHO...

    RBA cuts to record low 1.25% RBNZ to follow IMHO

    https://www.theguardian.com/australia-news/live/2019/jun/04/reserve-bank-interest-rates-rba-board-meets-to-decide-on-borrowing-costs-live
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