The RBNZ has just introduced new rules stating property investors need to have a 40% deposit. Let's look at what this means, what the likely reaction is going to be and some strategies you can use to keep investing.
18. I believe that everyone has a higher
purpose. If you are working a job, then
you are probably not living the life you
were meant to.
My intention is to help you
use property as a vehicle, to help you
gain financial stability in order to pursue
your dream.
I can’t take everyone and I can’t force
people to take action, but I can help
those who are determined to take
control of their lives, and create the
future they want to live.
25. Poll
Now that we have clarified the decision
?
are you still going to be affected?
26. RECAP
➤ Affects all residential investment property in New Zealand
➤ Only affects new lending
➤ Is across the entire portfolio
➤ Rules only apply to deposit takers
➤ It does not apply to commercial properties
➤ Julia Clark
0800fundme
julia@0800fundme.co.nz
28. POSSIBLE
SCENARIOS➤ No change - rich
people/overseas investors can
still invest
➤ Market crashes
➤ It cools and holds steady
➤ It sparks a boom in the
affordable housing areas
making all properties
unaffordable
➤ People move their money into
different assets
30. Lots of people tried to sell believing
prices would drop
Lots of people tried to buy as they were
going to be locked out of the market
People moved to investing in
different areas
Well First…
31. Things went stagnant whilst investors
tried to gauge the new conditions
The regions started to boom
As the regions increased, Auckland
also increased
Secondly
32. Question
What do you believe is going to
happen within the market
?
now that this 40% deposit rule
has come into place?
34. Lots of people trying to sell
Lots of people trying to buy as they be
locked out of the market
What is already happening?
35. Think about this!
The Government
The government and RBNZ have made it their mission to
stop house prices rising so dramatically
36. Think about this!
Whether this new rule
works or not, the
government will keep
pushing and trying new
tools until they are
successful
37. The time for relying
solely on generic
capital gains is over
My Prediction
38. The market will stall
whilst people try
figure this out.
My Prediction
Rents are going to
increase
Big Investors and
cashed up people are
going to buy for
passive income
39. The little guys are
getting pushed out of
the market, making it
a time for the big boys
to play
My Prediction
40. You need to figure out
how to play with the
big boys
My Prediction
42. • What is the best way to make money out of this property?
• How can I fund the property?
• How many exit strategies do I have?
Become a
property
entrepreneur
50. VENDOR
FINANCE➤ Asking the owner to leave
behind a % of the value of the
property in order to buy the
property
➤ Buying via an instalment
contract
➤ Getting more favourable terms
in the contract
➤ Lease options (in certain
areas)
57. Given these 3 solutions, which
one are you most likely to
take?
58. At the beginning of this
webinar, I promised to
provide you with the tools
to significantly change your
financial limitations…
59. BONUS
The Freedom Investor
Quick Start Guide
4 Modules for you to design your investing in the
best possible way to help you achieve your drea
How to choose a strategy that will get you to
where you want to go
The reason why only 25 of investors buy more th
4 properties and how you can overcome it