중앙은행(RBNZ), 주택 모기지 대출 규제 변경 발표RBNZ, Announces Changes to Housing Mortgage Regulations The Reserve Bank of New Zealand (RBNZ) has unveiled new regulations regarding the housing market, signaling an imminent shift in mortgage conditions. These measures are expected to impact both homebuyers and investors alike.Under the new regulations, the Debt-to-Income ratio (DTI) will be applied to home mortga..

소매 시장 2024년 3월 분기, 8분기 연속 하락 끝에 소매 활동 상승Retail activity up in March 2024 quarter after eight declines According to the latest statistics, retail sales activity has shown a steep upward trend, reversing its course after 9 quarters. Adjusted for price inflation and seasonal factors, the 'total retail sales' increased by 0.5% in the quarter ending March this year.This increase marks a significant i..

주요 은행, 새로운 오픈 뱅킹 결제 시스템 도입Major Banks Introduce Innovative Open Banking Payment System New Zealand's major banks have elevated the convenience of online transactions by introducing an innovative payment system. The four major banks, including ANZ, ASB, BNZ, and Westpac, have commenced offering payment services through open banking. Some banks have already implemented this system.This system prov..

호황기의 끝, 오클랜드 주택 손실 판매 증가End of Boom: Increasing Sales of Loss-making Auckland Homes Amidst the waning prosperity in Auckland's real estate market, recent data has revealed that homeowners are bracing for losses as they put their properties up for sale.According to real estate experts, approximately 13% of the homes currently on the market in Auckland were purchased during the recent boom period ..

직업, 훈련, 교육을 받지 않는 청소년·청년의 증가로 우려되는 추세Increase in youth not in jobs, training or education worrying trend New Zealand is witnessing a concerning surge in youth unemployment, with a staggering 82,000 young individuals currently neither enrolled in school nor engaged in employment or vocational training, raising fears of escalating joblessness.The unemployment rate among 15 to 24-year-olds stands a..

현재 시장에서 가장 이상적인 모기지 고정 기간은 무엇일까?What is the most ideal mortgage fixed term in the current market?  In recent years, mortgage rates have been at the center of tension. Starting from historically low levels in the 2% range, they have soared to over 8%, putting significant strain on many household budgets.According to the latest announcement from the central bank, expecting further decreases in cas..

주택 시장, BNZ 경제학자들의 하향 조정 예고Housing Market Faces Downward Revision, Warn BNZ Economists Contrary to predictions made by economists at the Bank of New Zealand (BNZ), this year's housing market is falling short of expectations, they cautioned. They revealed that despite earlier forecasts of a 5% increase, the market has only seen a modest 2% rise.Mike Jones, BNZ's Chief Economist, in the latest edit..

중앙은행(RBNZ) 현금금리 동결에도 불구하고 주택시장 불안, 전문가들 경고RBNZ Holds Cash Rate Steady, Yet Housing Market Unease Persists, Experts Warn Despite the Reserve Bank of New Zealand (RBNZ) announcing its decision to maintain the cash rate, experts are cautioning that the ordeal in the housing market might be far from over. While interest rates may have already peaked, mortgage distress is still anticipated to impact ..

■ 이중렬 회계사의 뉴질랜드 세무상식 컬럼  패밀리트러스트 소득세율 변화 3: 28% 활용법  패밀리트러스트에서 발생한 소득이 수혜자Beneficiary에게 배분되어수혜자들이 각자 개인소득세를 신고하는 절차는 익숙할 것이다. 패밀리트러스트를 설립한 설립자Settlor의 가족들이 주로 수혜자로 기록되고, 그들에게  패밀리트러스트의 소득이 배분된다. 그런데,개인이 아닌 법인(주로 주식회사)을 수혜자로 등록하고 그 법인에게 패밀리트러스트소득을 배분하여 주는 것도 가능하다. 패밀리트러스트의 설립자가 사랑과 애정 Love & Affection을 지닌 대상을 수혜자로 지정하는 데, 살아있는 사람이 아닌 법인에게 사랑을 가질 수 있는가에 대해 의문을 품을 수도 있다. 설립자의 가족들이 주주Shareholder로 들어..

정부, 첫 주택 보조금 폐지 결정Government confirms First Home Grants to be scrapped The government's financial aid for first-time homebuyers is set to vanish. In the upcoming budget announcement next week, the government plans to terminate the $60 million subsidy for first home purchases and redirect these funds towards addressing social housing issues.These subsidies have been provided to first-time homebuy..

중앙은행(RBNZ) 가계 기대 조사 발표: 2년 내 인플레이션 중앙은행 목표치 초과 전망RBNZ Household Expectations Survey Reveals Expectation of Exceeding RBNZ Inflation Target Within 2 Years According to the recent household expectations survey by the Reserve Bank of New Zealand (RBNZ), inflation within the next two years is forecasted to exceed the RBNZ target range of 1-3%.The survey indicates that despite efforts by the central ..

주택 시장, 손실 증가 속 이자율 정점에도 불구 판매액 하락Housing Market Sees Increased Losses Despite Interest Rate Peaks, Sales Decline 'The real estate sector saw homeowner losses totaling $50,000 in the first quarter of this year.' Financial experts have expressed concerns over the increase in losses when selling homes below their original purchase prices in the housing market. During the first quarter of this year,..

코로나19 신규 확진자 급증, 겨울철 병원들 위기COVID-19 New Cases Surge, Hospitals in Crisis Amid Winter With a sharp increase in COVID-19 cases, New Zealand has reported 6,146 new patients in the past week alone. This figure nearly doubles the 3,922 reported the previous week, sparking serious concerns.Among the new patients this week, 3,916 were identified as cases of reinfection.Hospitalizations due to the virus..

키위 세이버 인출, 생활비 어려움 속 5가지 주목할 점KiwiSaver Withdrawals Surge Amid Financial Hardship: 5 Key Points to Note'The increase in KiwiSaver withdrawals due to financial hardship among New Zealanders.' Last April saw a significant rise in KiwiSaver withdrawals attributed to financial difficulties. According to data from the Inland Revenue, withdrawals surged from $14.1 million in 2023 to $30.1 million in 2..

오클랜드, 세인트 헬리어스 홍수 사태…인프라 쇠퇴 비상Flood Crisis Strikes St Heliers, Auckland… Infrastructure Decay Emerges as Emergency Auckland's Saint Heliers district was hit by its third flood in three years on the night of the 20th, leaving neighbors in distress. Mr. Jim Flynn, 81, residing on Grampian Road, found himself facing an emergency situation due to the flooding.Mr. Flynn reported that within 8 minutes..

중국, 뉴질랜드의 오커스 가입 반대…"국익 훼손 우려 제기China Opposes New Zealand's AUKUS Membership: Raises Concerns Over National Interests As discussions progress regarding New Zealand's potential membership in the security alliance AUKUS, comprised of the United States, United Kingdom, and Australia, the nation finds itself facing opposition from China. Ambassador Wang Xiaolong, speaking at an economic event in Auc..

■ 이완상 변호사의 법률컬럼 제 201회 계약 위반에 대한 구제 (Remedies for Breach of Contract) – 4편 1. 손해의 배상 및 산정 방식 – 제 198회 컬럼 참조2. 완벽한 손해 배상을 제약하는 요인들– 제 199회 컬럼 참조3. 손해 배상의 제한 및 배제 조항들 – 제 200회 컬럼 참조  4. 처벌 조항의 실효성 및 기타 구제 방법들 1) 처벌 조항 (penalty clauses) 계약서에 계약 위반에 대한 처벌 조항 (penalty clauses)이 구체적으로 명시되어 있는 경우에도,실제로 일이 발생되었을 때 그 조항을 그대로 적용하지 못하는 경우도 있다. 가장 흔한 경우는 위반의 정도와 처벌의 정도 간에 현저한 불비례 또는 불공정이 발생하는 경우이다.즉,피해자 (원고..

뉴질랜드 주택 시장, 불안한 판매 거래량, 그러나 판매 가격은 상승New Zealand Housing Market: Decreased Sales Volume, Yet Prices on the Rise Despite an increase in both existing and new property listings, the New Zealand housing market experienced a decline in sales volume last month, continuing its uncertain trajectory. According to the Real Estate Institute of New Zealand (REINZ), the latest housing price index revealed a..

뉴질랜드 경제, 인플레이션 기대치 하락에 따른 경기 압박New Zealand Economy Feels Pressure Amidst Decline in Inflation Expectations The Reserve Bank of New Zealand (RBNZ) is expected to proceed with added caution in considering any further interest rate hikes. According to a report released on the 13th, expectations for inflation one year ahead have seen a significant decline compared to previous assessments. Dow Jones ..

뉴질랜드 통계청, 뉴질랜드를 떠나는 키위들 사상 최고치 기록New Zealand Emigration Hits Record High, Statistics New Zealand Reports New Zealand's immigration patterns have once again undergone a significant shift. According to the latest statistics, in March 2024, emigration among New Zealand citizens reached an all-time high. Data released by Statistics New Zealand indicates that during the past year, 52,500 New Zealand ..