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Home Loan
☆ Introduction

 ICBC New Zealand provides customers with home loans by considering customer’s income and assets and other applicable lending criteria to help them meet their needs through the extensive range of loan options, flexible loan terms, multiple options of interest rates and the wide range of acceptable securities.

☆Product features 

1. Multi-option home loan products:ICBC New Zealand offers fixed rate home loan and floating rate home loan including offset home loan to you to support your loan and wealth arrangement.
The offset home loan uses the balance of your current account and subtracts this balance from your offset home loan balance, so you only pay interest on the difference which helps you hedging your deposits and loans to make the repayment more flexible.
Floating rate: offers flexibility, as your circumstances change, to make lump sum payments in excess of your scheduled payments, without penalty. Floating rate loans are subject to market movement, meaning your actual rate may go down or up as the floating interest rate changes. 
Fixed rate: offers the benefit of certainty of your repayments for an agreed period and payment schedule of the loan on a monthly basis for periods from 6 months to 5 years. 

2. Diversified loan purpose:Diversified loan purposes are available. Acceptable home loan purposes include purchasing owner-occupied property, rental property or vacant land for residential construction.

3. Flexible repayment options:ICBC New Zealand provides table loan repayment and interest only repayment methods to customers. With these options, customers can choose and allocate their loans and assets more wisely.  

4. Flexible loan term and interest rate:The home loan term ranges from 6 months to 30 years with options provided on fixed interest rate and/or floating interest rate. Fixed interest rates offered are for periods from 6 months to 5 years, depending on your needs.

5. Bilingual Service:ICBC New Zealand provides English and Chinese language services to avoid the inconvenience caused by language or cultural differences.
☆ Home Loan Application

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

Home Loan Application Form

☆ Friendly reminder

1.For Fees and Charges click here.
2.For our Terms and Condition, click here.
3.Prior to signing any loan documentation, you should seek independent legal advice. 

Home Loan Interest Rates

ICBC New Zealand Published Mortgage Rates p.a.
Effective from 17th May 2024
Standard Rate
6 months
12 months
18 months
2 years
3 years
4 years
5 years
ICBC New Zealand Published Mortgage Rates p.a.
Effective from 12th March 2024
Standard Rate

  * Our Home loan standard interest rates are subject to change and additional risk premiums may be added based on credit assessment conditions. 

Contacts Title Phone Email
Ethan Da Senior Business Development Manager 09 3747263
Steven Ma Senior Business Development Manager 09 3747725 
Star Ji Business Development Manager  09 3747291 
Angela Li     Business Development Manager  09 3747246
Yin Miao  Business Development Manager  09 3747728 
Sharon Li  Business Development Manager  09 3747292

This information is for your reference only. It’s subject to the provisions of ICBC New Zealand’s working procedures and subsequent changes. For your convenience, please contact us by phone or Email for more information.