💼 金融公司案例 | Finance Company Cases

案例 1 | Case 1

客户需要释放房产净值，用于完成其他项目的分割。我们帮他们成功申请到95万纽币的贷款，贷款成数55%，以公司名下的三套投资房作抵押，只用租金收入就能偿还。贷款期限30年，前三年只付利息，年利率仅6.44%，完全不需要估值报告。

The client needed to release equity from their property to fund the subdivision of another project. We successfully secured a NZD 950,000 loan with a 55% LVR, using three investment properties under the company’s name as security. The loan is fully serviced by rental income only. Term: 30 years, interest-only for the first 3 years, at an annual rate of just 6.44%, with no valuation report required.

客户需求点 | Client Needs

需要释放房产净值（equity release）

Required to release property equity (equity release)

资金用于完成其他项目的分割（subdivision）

Funds to complete subdivision of another project

希望贷款仅用租金收入来偿还，不影响个人现金流

Loan to be serviced solely by rental income, without impacting personal cash flow

办理难点 | Challenges

涉及多套房产抵押（公司名下三套投资房）

Multiple properties used as collateral (three investment properties under the company’s name)

贷款结构要满足只用租金收入偿还的条件

Loan structure must allow repayment solely from rental income

客户不希望额外花钱做估值（No RVR）

Client did not want to incur additional valuation costs (No RVR)

案例 2 | Case 2

另一位客户急需从Kookmin Bank转贷到我们合作的金融机构，新建房还没有拿到产权和CCC。我们成功帮他做到136万纽币的贷款，70%成数，短期6个月固定利率7.99%，3个月后提前还款无违约金，全程无需RVR、无需CCC和产权。

Another client urgently needed to refinance from Kookmin Bank to one of our partner finance companies. The newly built property had not yet obtained its Title or CCC. We successfully secured a NZD 1.36 million loan with a 70% LVR, 6-month fixed term at 7.99% p.a., with no early repayment penalty after 3 months, and no RVR, CCC, or Title required.

客户需求点 | Client Needs

急需将贷款从Kookmin Bank转到金融公司

Urgent refinance from Kookmin Bank to a finance company

新建房还没有产权（Title）和CCC

Newly built property without Title and CCC

贷款期限短，且要有灵活的提前还款条件

Short loan term with flexible early repayment options

办理难点 | Challenges

无产权、无CCC，常规银行基本无法批贷

No Title or CCC – typically not acceptable by traditional banks

要在短时间内完成转贷（urgent refinance）

Urgent refinance requiring completion within a short timeframe

贷款结构需短期可控（6个月固定），且3个月后提前还款无违约金

Loan structure to be short-term (6-month fixed) with no penalty after 3 months

同时做到无需RVR

No RVR required

🏦 银行案例 | Bank Cases

案例 1 | Case 1

一对首次购房客户，收入和首付有限，还有信用卡、车贷等多项债务。我们通过与银行谈判，成功拿到90%贷款成数，贷款额57.6万纽币，并获得5,000纽币现金回赠，还保留了他们原有的信用卡和车贷，生活方式完全不受影响。

A first-home-buyer couple with limited income and deposit, as well as multiple existing debts such as credit cards and a car loan. Through negotiations with the bank, we secured a 90% LVR loan of NZD 576,000, plus a NZD 5,000 cash back, while allowing them to keep their existing credit card and car loan, ensuring their lifestyle was unaffected.

客户需求点 | Client Needs

首次购房（First home buyer）

First home purchase (First home buyer)

贷款额度最大化（Maximum loan amount）

Maximise loan amount (Maximum LVR)

希望保留现有信用卡和车贷，不影响生活方式

Keep existing credit card and car loan without impacting lifestyle

办理难点 | Challenges

收入和首付都有限

Limited income and deposit

负债较多（信用卡、Gem Visa、车贷等）

High existing debt (credit cards, Gem Visa, car loan, etc.)

银行通常会要求先清偿部分债务才能批贷

Banks typically require debt repayment before loan approval

需要在保持现有债务的同时，争取到90% LVR

Achieving 90% LVR while retaining existing debts

案例 2 | Case 2

客户需要在极短时间内完成部分房产释放和贷款重组。我们在第一次见面就锁定合适银行，快速审批，通过结构优化，让他们顺利分拆贷款到不同银行，获得最优利率4.65%及7,632纽币现金回赠，并按时完成紧急结算。

The client needed to complete a partial security release and loan restructure within a very short timeframe. At our first meeting, we identified the right bank, secured fast approval, and optimised the loan structure, enabling them to split loans across different banks, obtain a competitive interest rate of 4.65%, receive NZD 7,632 in cash back, and meet the urgent settlement deadline.

客户需求点 | Client Needs

部分房产释放（Partial security release）

Partial security release

贷款重组（Restructure）以获得更优利率和现金回赠

Loan restructure to secure better interest rates and cash back

分拆贷款到不同银行，优化贷款组合

Split loans across different banks to optimise loan portfolio

办理难点 | Challenges

短时间内完成短表格（Short-form refinance）审批

Complete short-form refinance approval in limited time

客户现有三笔贷款、两套房产抵押在同一家银行，结构复杂

Complex loan structure with three loans and two properties at the same bank

结算时间紧迫，需要快速锁定合适银行并完成全部流程

Tight settlement timeframe requiring rapid lender selection and full process completion

同时要争取到最佳利率与现金回赠

Secure the best interest rate and cash back simultaneously

总结 | Summary

以上是我们上周的成功案例。所以，不管您是需要释放净值、紧急转贷、首次购房，还是贷款重组，我们都能在最短的时间内为您找到最优方案。您只需要告诉我您的目标，剩下的复杂流程交给我们。贷款的路很复杂，但有我们在，您的路会很简单。

These are our successful cases from last week. Whether you need equity release, urgent refinancing, first-home purchase, or loan restructuring, we can find the best solution for you in the shortest time. You only need to tell us your goal – we will handle the rest. The loan process can be complicated, but with us by your side, your path will be simple.