案例一：开发商建设贷款 （Case 1: Construction Loan for Developer）

客户是一位有经验的开发商，过去三年已经成功完成多个类似的住宅开发项目。这次客户需要一笔贷款，用于在现有地块上建造8套联排别墅。地块已经取得了资源许可（RC）、建筑许可（BC）以及EPA批文。

客户的需求是：快速落实资金，保证项目顺利推进。

办理难点在于：银行对于开发贷款要求严格，且项目规模虽小，但材料和估值报告仍需齐全。

我们为客户成功对接到中国银行，批下贷款金额245万纽币+GST，贷款比例50%，期限12个月，利率8.25%，并收取2%银行手续费。最终确保客户顺利拿到资金，项目可以按时开工。

Our client, an experienced developer with over 3 years of proven success in similar projects, needed funding to build 8 new townhouses. The site already had Resource Consent, Building Consent, and EPA approval.

Client need: secure funding quickly to ensure smooth project progress, comparative lower costs

Challenge: strict lending criteria for construction loans, and banks required complete valuation and material reports even for small projects.

We arranged financing with Bank of China: $2,450,000 plus GST at 50% LVR, 12-month term, 8.25% interest rate, and 2% lender fee. This provided the client with timely funding and guaranteed the project could start as planned.

案例二：住房贷款加贷 （Case 2: Home Loan Top-up for Commercial Property Purchase）

另一位客户希望在现有住房贷款的基础上，加贷16万纽币，用于购买奥克兰以外的一处商业仓库。

办理难点在于：客户名下贷款种类复杂，包括住房贷款、车贷等，部分物业没有电子估值报告。同时，公司利润较去年下降，财务表现存在波动。

我们强调了客户整体财务状况依然稳健，且与银行长期保持良好关系。通过合理设计申请结构，并与银行沟通，我们为客户成功申请到加贷，并获得RVR豁免，简化了审批流程。最终贷款顺利获批。

Another client wanted a $160,000 top-up from their existing home loan to purchase a commercial warehouse outside Auckland.

Challenge: the client had multiple loans and securities, including car loans, and some properties lacked electronic valuation. Company profits had also decreased compared to the previous year.

We highlighted their overall strong financial position and long-standing relationship with the bank. By carefully structuring the application and negotiating with the bank, we secured approval along with an RVR waiver, which simplified the entire process.

案例三：短期再融资 （Case 3: Short-term Refinance）

一位客户此前被困在高利率贷款中而且低返现额度，导致整体融资成本过高。

客户需求是：从主流银行申请，降低融资成本，拿到更高的返现额度 提升贷款灵活性。

我们首先帮客户向原银行申请提前解约，拿到违约金金额；然后通过详细测算，证明新的返现额度高于违约及再融资费用。

经过谈判，我们为客户成功对接到合适银行，批下98万纽币贷款，期限12个月，利率仅4.77%，并争取到最大额度返现。最终客户不仅降低了贷款成本，还大幅改善了整体财务状况。

One client was stuck in a high fixed-rate loan with minimal cashback, which created high overall financing costs.

Client need: reduce costs and gain flexibility.

We first obtained the break cost from their existing bank, then calculated that cashback from refinancing would exceed the total refinance expense.

After negotiations, we secured $980,000 refinancing at a 12-month term, 4.77% interest rate, plus maximum cashback. This reduced their loan costs and improved their financial situation significantly.

案例四：首次购房客户（Case 4: First Home Buyer Loan）

一对夫妻希望贷款买第一套房，但情况比较复杂：只有一方有新西兰永久居留，另一方仅持有工作签证；同时，两人都刚入职3个月，工作稳定性难以证明。

客户需求是：获得最高可能的贷款成数，减轻首付压力。

办理难点在于：银行通常要求工作满6个月以上，且移民身份不完全符合标准。

我们帮客户准备了详尽的材料，包括雇主证明信、IRD收入摘要，以及移民局签证文件，来支持客户的收入与居留稳定性。

最终，我们成功帮他们申请到80%贷款成数，贷款总额97.6万纽币，并获得8784纽币返现。客户顺利实现了人生第一套住房的梦想。

A couple, with only one holding PR and the other on a work visa, had both just started new jobs for only 3 months.

Client need: maximize loan-to-value ratio to reduce upfront deposit.

Challenge: most banks require 6+ months of employment history, and visa status was not fully aligned with standard lending criteria.

We prepared strong supporting documents including employer letters, IRD income summaries, and immigration documents.

Finally, we secured 80% LVR with a loan of $976,000, plus $8,784 cashback. This allowed the couple to purchase their first home successfully.