General information for preparation, not a lending decision.帮助您准备问题的一般信息，不是贷款决定。
Low-deposit options低首付选项
A standard home loan in New Zealand typically requires a 20% deposit. However, several pathways exist for buyers who can meet specific lender or government criteria with a lower deposit.
First Home Grant and First Home Loan: the Government's Kainga Whenua programme offers a First Home Grant of up to $10,000 for eligible buyers who have been contributing to KiwiSaver for at least three years. The First Home Loan allows you to purchase with as little as 5% deposit on properties under a regional price cap, though a lender risk premium applies to the interest rate.
Low-equity fee: most major banks accept deposits between 10% and 19% if the borrower pays a one-off low-equity premium. This can add between 0.3% and 1% of the loan amount as an upfront cost. The fee reduces or disappears once your loan-to-value ratio (LVR) drops below 80%.
Non-bank lenders: some non-bank lenders will accept a 10% deposit without a low-equity premium, though their interest rates are typically higher than the major banks. These can be useful as a stepping stone: after 12 to 24 months of on-time payments, you may be able to refinance to a mainstream lender at a better rate.
It is important to note that low-deposit lending is subject to LVR restrictions set by the Reserve Bank of New Zealand. Currently, banks can only do a limited volume of lending above 80% LVR, which means they are selective. A mortgage adviser can help position your application to meet lender criteria.
Even with a low-deposit option, you still need genuine savings to demonstrate repayment capacity. Lenders typically want to see at least three months of consistent saving behaviour, even if the total amount is smaller than a full 20% deposit would require.
新西兰的标准房贷通常要求 20% 首付。但对于符合特定贷款机构或政府标准的购房者，存在多种低首付途径。
首房补助金和首房贷款: 政府的 Kainga Whenua 计划为符合条件的购房者提供最高 $10,000 的首房补助金（需已向 KiwiSaver 缴款至少三年）。首房贷款允许您以低至 5% 的首付购买房产（需在区域价格上限以下），但利率会包含贷款机构风险溢价。
低产权费: 大多数主流银行接受 10% 至 19% 的首付，但借款人需支付一次性低产权溢价。这可能在贷款金额的 0.3% 至 1% 之间，作为前期成本。一旦您的贷款价值比（LVR）降至 80% 以下，该费用会降低或取消。
非银行贷款机构: 部分非银行贷款机构接受 10% 首付且不收取低产权溢价，但其利率通常高于主流银行。这可以作为过渡方案: 在按时还款 12 到 24 个月后，您可能能够以更优惠的利率重新融资到主流贷款机构。
需要注意的是，低首付贷款受新西兰储备银行设定的 LVR 限制。目前，银行只能发放有限数量的超过 80% LVR 的贷款，这意味着它们具有选择性。贷款顾问可以帮助优化您的贷款申请以满足贷款机构标准。
即使使用低首付选项，您仍需要真实储蓄来证明还款能力。贷款机构通常希望看到至少三个月的稳定储蓄行为，即使存款总额低于完整 20% 首付所需金额。
Points to keep in mind需要留意的事项
- Read the details alongside your own figures, timing, and documents.请结合自己的数字、时间安排和材料阅读这些内容。
- Use this article to prepare questions. Current lender criteria and personal circumstances still need to be checked.把文章当作准备问题的起点，具体贷款机构政策和个人情况仍需进一步确认。
Questions people often ask常见问题
No. This is general information from an existing service-page article. Approval, eligibility, cost, and suitability depend on your circumstances and the relevant lender criteria.
不能。这是从现有服务页面整理的一般信息。资格、审批、成本和适合性仍取决于您的实际情况以及相关贷款机构的评估标准。
Use it to identify the questions and documents that matter to your situation before deciding whether to start a conversation.
您可以把它作为整理问题和准备材料的起点，再决定是否需要结合自己的情况进一步沟通。
Source context来源背景
These public sources provide context for the general information in this article.以下公开来源为本文的一般信息提供背景。