China Construction Bank (New Zealand) Limited
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Home Loan

Choose your Home Loan

Planning to buy a property can be one of the most important decisions you will ever have to make. As your trusted banking partner, our mortgage products can help you lay the foundations of your new home with the right loan amount, interest rates and repayment options to fit your financial needs.

Be ready to purchase with conditional approval:

Interest Rates


Special Rate*

Standard Rate

6 months

2.65% p.a

4.50% p.a

12 months

2.65% p.a

4.50% p.a

18 months

2.65% p.a

4.50% p.a

24 months

2.65% p.a

4.40% p.a

36 months

2.80% p.a

4.30% p.a

48 months

2.89% p.a

4.95% p.a

60 months

2.99% p.a

4.95% p.a

*Rates are subject to change

*Minimum lending from $500,000

*CCBNZ lending criterias apply & special conditions apply

*Subject to general terms & conditions

*Special interest rate conditions: minimum 20% equity required in the security provided to CCBNZ. Applicable to home loans serviced by NZ local income only. These special rates are not applicable to home loans for business purposes and bridging loans.

*CCBNZ reserves the right to amend these terms and conditions as it considers appropriate from time to time without notice

Floating (or variable) Rates

You can request a floating (variable) rate to apply to your residential home loan. Currently, we offer a floating rate of 4.50% per annum. You should also be aware that the floating interest range will change from time to time in accordance with general market conditions.

Please note:

The rate we charge you within the above range will depend on your personal circumstances including how much you want to borrow, the term of your loan, your income, credit history and other financial commitments. We aim to keep our interest rates competitive. Rates, fees and charges will change from time to time.

Please contact us if you want more information.

Home Loan Fees & Charges


When Payable

Amount (NZD)

Application Fee

Charged on Application


Establishment Fee

On drawdown of loan


Non-proceeding Fee

If the Loan is not advanced to you on the Start Date in accordance with this agreement


Repayment Administration Fee

When the Loan is repaid in part of Full


Discharge Fee

When the Loan is repaid or


Default Interest & Fees

When Payable

Amount (NZD)

Default Interest 

See clause 3.1 of the General Terms

Default Interest Rate

Dishonour Fee

The business day after the due date for any amount due and payable by you under the agreement which we were unable to collect on its due date from your bank for any reasons


We may change our fees and charges from time to time in accordance with clause 10.2 (b) of the General Terms.

For more fees & charges, please refer to Home Loan Form in the download centre.

General Requirements