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  • 0800 695 566(Within New Zealand)
  • 0064 9980 9000(From Overseas)
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Home Loans

Buying a home is one of the most important investments you will make in your life. At Bank of China (New Zealand) Limited ("BOCNZ", a New Zealand registered bank), we endeavor to help our customers achieve their lifetime goals of owning a home. Bi-lingual Chinese language staff available.

We are happy to help if you are:

  • A first-time home buyer;
  • An investor who wants to buy an investment property;
  • Another bank's existing customer who wants to refinance with BOCNZ; or
  • Just wanting to find out if we can help with your home lending needs.

Residential Mortgage Interest Rates

To see our current interest rates, click here:

Loan Types

Floating Rate Home Loan: With a Floating Rate Home Loan, your interest can change as interest rates go up or down. You have the flexibility to make lump sum repayments of any size at any time without extra charges. As the Rate is floating, it can go higher or lower than fixed-term rates. You may be able to change from a floating to a fixed interest rate, but please be aware that some types of loans only offer the floating interest rate option.

Fixed Rate Home Loan: Fixed Rate means your loan interest stays the same for an agreed period. It offers customers the benefit of knowing the exact amount of monthly repayments of the loan for a fixed period. However, if you pay off a part or all of your loan early during the fixed rate period, you may have to pay break costs (early repayment charge).

Plus Home Loan: A Plus home loan is a revolving credit home loan that you can pay money in and take it out up to a certain approved limit whenever you need. You only pay interest on the amount you have used, not on the entire limit. Plus Home Loans have a floating interest rate, calculated daily and charged monthly. No monthly account fee applies.

Repayment Methods

  • Principal and Interest payments: You will repay both principal and interest in equal amounts on a monthly basis during the loan period.
  • Interest Only payments: You will pay your loan by its interest only.

Home Loan Application

To get started with your Home Loan Application, click here:

Contact number: +64 9 980 9016

Email address: personalbanking.nz@bankofchina.com

Documents (Prior to signing any loan documentation you should seek independent legal advice)

Lending Criteria and Terms & Conditions apply

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