{"id":57,"date":"2024-02-29T08:43:01","date_gmt":"2024-02-29T08:43:01","guid":{"rendered":"http:\/\/localhost\/finview\/?page_id=57"},"modified":"2025-06-18T05:22:38","modified_gmt":"2025-06-18T05:22:38","slug":"faq","status":"publish","type":"page","link":"https:\/\/betteradvices.com\/zh\/faq\/","title":{"rendered":"Faq"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"57\" class=\"elementor elementor-57\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a67db8c e-con-full e-flex e-con e-parent\" data-id=\"1a67db8c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1fafbece container mx-auto e-flex e-con-boxed e-con e-child\" data-id=\"1fafbece\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-37ebf761 e-con-full e-flex e-con e-child\" data-id=\"37ebf761\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c5ae6bd elementor-widget elementor-widget-tp-heading\" data-id=\"6c5ae6bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tp-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n\r\n\r\n\r\n        \r\n\r\n        \r\n                    <div class=\"container\">\r\n                <div class=\"row justify-content-center\">\r\n                    <div class=\"col-12 col-lg-7 col-xxl-6\">\r\n                        <div class=\"section__header\">\r\n                                                            <span class=\"sub-title section__header-sub-title headingFour wow fadeInDown\" data-wow-duration=\"0.8s\">\r\n                                                                            <img decoding=\"async\" src=\"https:\/\/betteradvices.com\/wp-content\/themes\/finview\/assets\/images\/title_vector.png\" alt=\"Image\">\r\n                                                                        Frequently Asked Questions<\/span>\r\n                                                                                        <h2 class=\"title section__header-title wow fadeInUp\" data-wow-duration=\"0.8s\">Find Answers to Common Questions<\/h2>\r\n                                                                                        <p class=\"xlr pp section__header-content wow fadeInDown\" data-wow-duration=\"0.8s\">We've compiled a list of frequently asked questions to provide you with quick and helpful answers.\n\n<\/p>\r\n                                                    <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n        \r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43b5f405 e-con-full e-flex e-con e-child\" data-id=\"43b5f405\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2ba85950 e-con-full e-flex e-con e-child\" data-id=\"2ba85950\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4128a747 elementor-widget elementor-widget-tp-faq\" data-id=\"4128a747\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tp-faq.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n\r\n\r\n        <!-- faq start -->\r\n        <div class=\"col-12\">\r\n                        <div class=\"accordion wow fadeInDown\" data-wow-duration=\"0.8s\" id=\"faq-69ff35934b6cc\">\r\n                                    <div class=\"accordion-item\">\r\n                        <h5 class=\"accordion-header\">\r\n                            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#faq-accordion-0-faq-69ff35934b6cc\" aria-expanded=\"true\" aria-controls=\"faq-accordion-0-faq-69ff35934b6cc\">\r\n                                How much can I borrow for a home loan in New Zealand?                            <\/button>\r\n                        <\/h5>\r\n                        <div id=\"faq-accordion-0-faq-69ff35934b6cc\" class=\"accordion-collapse collapse\" data-bs-parent=\"#faq-69ff35934b6cc\">\r\n                            <div class=\"accordion-body\">\r\n                                <p class=\"mb-0\">\r\n                                    This depends on your income, expenses, deposit size, credit history, and the lender\u2019s criteria. We assess your financial situation and provide a borrowing estimate upfront.                                <\/p>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"accordion-item\">\r\n                        <h5 class=\"accordion-header\">\r\n                            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#faq-accordion-1-faq-69ff35934b6cc\" aria-expanded=\"true\" aria-controls=\"faq-accordion-1-faq-69ff35934b6cc\">\r\n                                What documents do I need to apply for a mortgage?                            <\/button>\r\n                        <\/h5>\r\n                        <div id=\"faq-accordion-1-faq-69ff35934b6cc\" class=\"accordion-collapse collapse\" data-bs-parent=\"#faq-69ff35934b6cc\">\r\n                            <div class=\"accordion-body\">\r\n                                <p class=\"mb-0\">\r\n                                    Typically, you&#039;ll need proof of income (payslips or financials if self-employed), bank statements, ID, and details of your deposit. We guide you through the exact requirements for each lender.                                <\/p>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"accordion-item\">\r\n                        <h5 class=\"accordion-header\">\r\n                            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#faq-accordion-2-faq-69ff35934b6cc\" aria-expanded=\"true\" aria-controls=\"faq-accordion-2-faq-69ff35934b6cc\">\r\n                                 Can you help with overseas income or non-resident applications?                            <\/button>\r\n                        <\/h5>\r\n                        <div id=\"faq-accordion-2-faq-69ff35934b6cc\" class=\"accordion-collapse collapse\" data-bs-parent=\"#faq-69ff35934b6cc\">\r\n                            <div class=\"accordion-body\">\r\n                                <p class=\"mb-0\">\r\n                                    Yes \u2014 we specialise in supporting clients with foreign income or living overseas, and work with lenders who accept international documents and flexible structures.                                <\/p>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"accordion-item\">\r\n                        <h5 class=\"accordion-header\">\r\n                            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#faq-accordion-3-faq-69ff35934b6cc\" aria-expanded=\"true\" aria-controls=\"faq-accordion-3-faq-69ff35934b6cc\">\r\n                                What\u2019s the difference between fixed and floating interest rates?                            <\/button>\r\n                        <\/h5>\r\n                        <div id=\"faq-accordion-3-faq-69ff35934b6cc\" class=\"accordion-collapse collapse\" data-bs-parent=\"#faq-69ff35934b6cc\">\r\n                            <div class=\"accordion-body\">\r\n                                <p class=\"mb-0\">\r\n                                    Fixed rates give you certainty over repayments, while floating rates offer flexibility (e.g., early repayment). We help you choose or blend both, depending on your goals.                                <\/p>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"accordion-item\">\r\n                        <h5 class=\"accordion-header\">\r\n                            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#faq-accordion-4-faq-69ff35934b6cc\" aria-expanded=\"true\" aria-controls=\"faq-accordion-4-faq-69ff35934b6cc\">\r\n                                What is refinancing, and when should I consider it?                            <\/button>\r\n                        <\/h5>\r\n                        <div id=\"faq-accordion-4-faq-69ff35934b6cc\" class=\"accordion-collapse collapse\" data-bs-parent=\"#faq-69ff35934b6cc\">\r\n                            <div class=\"accordion-body\">\r\n                                <p class=\"mb-0\">\r\n                                    Refinancing is switching your loan to another lender for a better rate, structure, or cashback offer. It may help lower repayments, shorten your loan term, or unlock equity.                                <\/p>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                            <\/div>\r\n        <\/div>\r\n        <!-- faq end -->\r\n\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2048dc89 e-con-full e-flex e-con e-child\" data-id=\"2048dc89\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d640d44 elementor-widget elementor-widget-tp-faq\" data-id=\"6d640d44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tp-faq.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n\r\n\r\n        <!-- faq start -->\r\n        <div class=\"col-12\">\r\n                        <div class=\"accordion wow fadeInDown\" data-wow-duration=\"0.8s\" id=\"faq-69ff35934c3a6\">\r\n                                    <div class=\"accordion-item\">\r\n                        <h5 class=\"accordion-header\">\r\n                            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#faq-accordion-0-faq-69ff35934c3a6\" aria-expanded=\"true\" aria-controls=\"faq-accordion-0-faq-69ff35934c3a6\">\r\n                                 Do you offer business or commercial property loans solutions?                            <\/button>\r\n                        <\/h5>\r\n                        <div id=\"faq-accordion-0-faq-69ff35934c3a6\" class=\"accordion-collapse collapse\" data-bs-parent=\"#faq-69ff35934c3a6\">\r\n                            <div class=\"accordion-body\">\r\n                                <p class=\"mb-0\">\r\n                                    Yes \u2014 we provide tailored loan solutions for commercial properties and business lending. Every scenario is custom-assessed based on income, structure, and purpose.                                <\/p>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"accordion-item\">\r\n                        <h5 class=\"accordion-header\">\r\n                            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#faq-accordion-1-faq-69ff35934c3a6\" aria-expanded=\"true\" aria-controls=\"faq-accordion-1-faq-69ff35934c3a6\">\r\n                                Can I get a loan without a 20% deposit?                            <\/button>\r\n                        <\/h5>\r\n                        <div id=\"faq-accordion-1-faq-69ff35934c3a6\" class=\"accordion-collapse collapse\" data-bs-parent=\"#faq-69ff35934c3a6\">\r\n                            <div class=\"accordion-body\">\r\n                                <p class=\"mb-0\">\r\n                                    Yes \u2014 depending on your situation, some banks offer loans with as little as 5\u201310% deposit, particularly for first home buyers or with family support.                                <\/p>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"accordion-item\">\r\n                        <h5 class=\"accordion-header\">\r\n                            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#faq-accordion-2-faq-69ff35934c3a6\" aria-expanded=\"true\" aria-controls=\"faq-accordion-2-faq-69ff35934c3a6\">\r\n                                 How do top-ups work?                            <\/button>\r\n                        <\/h5>\r\n                        <div id=\"faq-accordion-2-faq-69ff35934c3a6\" class=\"accordion-collapse collapse\" data-bs-parent=\"#faq-69ff35934c3a6\">\r\n                            <div class=\"accordion-body\">\r\n                                <p class=\"mb-0\">\r\n                                    If you have enough equity, you can apply to borrow extra through a top-up on your existing home loan. It\u2019s often used for renovations, investments, or large expenses.                                <\/p>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"accordion-item\">\r\n                        <h5 class=\"accordion-header\">\r\n                            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#faq-accordion-3-faq-69ff35934c3a6\" aria-expanded=\"true\" aria-controls=\"faq-accordion-3-faq-69ff35934c3a6\">\r\n                                Do you charge a fee for your service?                            <\/button>\r\n                        <\/h5>\r\n                        <div id=\"faq-accordion-3-faq-69ff35934c3a6\" class=\"accordion-collapse collapse\" data-bs-parent=\"#faq-69ff35934c3a6\">\r\n                            <div class=\"accordion-body\">\r\n                                <p class=\"mb-0\">\r\n                                    In most cases, our service is free \u2014 we\u2019re paid by the lender once your loan settles. If a fee applies (e.g., for complex lending or wholesale clients), we\u2019ll let you know upfront.                                <\/p>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"accordion-item\">\r\n                        <h5 class=\"accordion-header\">\r\n                            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#faq-accordion-4-faq-69ff35934c3a6\" aria-expanded=\"true\" aria-controls=\"faq-accordion-4-faq-69ff35934c3a6\">\r\n                                How long does the loan approval process take?                            <\/button>\r\n                        <\/h5>\r\n                        <div id=\"faq-accordion-4-faq-69ff35934c3a6\" class=\"accordion-collapse collapse\" data-bs-parent=\"#faq-69ff35934c3a6\">\r\n                            <div class=\"accordion-body\">\r\n                                <p class=\"mb-0\">\r\n                                    Pre-approval usually takes a few business days. Full approval depends on your situation, but we work proactively with lenders to keep things moving smoothly.                                <\/p>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                            <\/div>\r\n        <\/div>\r\n        <!-- faq end -->\r\n\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c5cc8b e-con-full e-flex e-con e-parent\" data-id=\"8c5cc8b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-05d4ed4 elementor-widget elementor-widget-tp-call-to-action\" data-id=\"05d4ed4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tp-call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n\r\n\r\n        <section class=\"loan-solution section\">\r\n            <div class=\"container position-relative\">\r\n                <div class=\"row gy-5 gy-xl-0 justify-content-center justify-content-xxl-between align-items-center\">\r\n                    <div class=\"col-12 col-lg-6 col-xxl-6\">\r\n                        <div class=\"section__content ms-xl-4 ms-xl-0\">\r\n                                                            <span class=\"sub-title section__content-sub-title headingFour wow fadeInDown\" data-wow-duration=\"0.8s\">\r\n                                                                            <img decoding=\"async\" src=\"https:\/\/betteradvices.com\/wp-content\/themes\/finview\/assets\/images\/title_vector.png\" alt=\"Image\">\r\n                                                                        Start Your Loan Search Today<\/span>\r\n                                                                                        <h2 class=\"title section__content-title wow fadeInUp\" data-wow-duration=\"0.8s\">Find the Perfect Loan Solution for Your Financial Needs<\/h2>\r\n                                                                                                                            <div class=\"btn-cta\">\r\n                                        <a href=\"https:\/\/betteradvices.com\/zh\/about\/\" class=\"btn_theme mt-3 wow fadeInDown\" data-wow-duration=\"0.8s\">Contact Us<i class=\"bi bi-arrow-up-right\"><\/i><\/a>\r\n                                    <\/div>\r\n                                                                                                                <\/div>\r\n                    <\/div>\r\n                    <div class=\"col-12 col-sm-8 col-md-6 col-xxl-5\">\r\n                                                    <div class=\"loan-solution__thumb unset-xxl wow fadeInDown\" data-wow-duration=\"0.8s\">\r\n                                <img decoding=\"async\" src=\"https:\/\/titu.softivus.com\/finview\/wp-content\/uploads\/2024\/03\/loan_solution.png\" alt=\"Image\">\r\n                            <\/div>\r\n                                            <\/div>\r\n                <\/div>\r\n            <\/div>\r\n        <\/section>\r\n\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Frequently Asked Questions Find Answers to Common Questions We\u2019ve compiled a list of frequently asked questions to provide you with quick and helpful answers. How much can I borrow for a home loan in New Zealand? This depends on your income, expenses, deposit size, credit history, and the lender\u2019s criteria. We assess your financial situation [&hellip;]<\/p>","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-57","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/betteradvices.com\/zh\/wp-json\/wp\/v2\/pages\/57","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/betteradvices.com\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/betteradvices.com\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/betteradvices.com\/zh\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/betteradvices.com\/zh\/wp-json\/wp\/v2\/comments?post=57"}],"version-history":[{"count":6,"href":"https:\/\/betteradvices.com\/zh\/wp-json\/wp\/v2\/pages\/57\/revisions"}],"predecessor-version":[{"id":4029,"href":"https:\/\/betteradvices.com\/zh\/wp-json\/wp\/v2\/pages\/57\/revisions\/4029"}],"wp:attachment":[{"href":"https:\/\/betteradvices.com\/zh\/wp-json\/wp\/v2\/media?parent=57"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}