[(Title)] NZ banks urged to offer low interest loans to eco-home builds

New Zealand banks have been urged to catch up with international trends and offer special low interest loans to people building eco-homes.

敦促新西兰银行赶上国际潮流，向建造生态住房的人提供特别低息贷款。

Rochelle and Joel Payne with their kids.  Photo: Maddie Thibaud

One Auckland couple have been pushing the change which they say will improve the country's cold drafty housing stock.

有一对奥克兰夫妇一直在推动这一变化，他们认为这将改善该国寒冷的住房存量。

Rochelle and Joel Payne are completing the Living Building Home Challenge - the highest green building certification in the world.

罗谢尔(Rochelle)和乔尔.佩恩(Joel Payne)正在完成《生活建筑挑战》(Home Challenge)这一世界上最高的绿色建筑认证。

Once complete, their Beachland suburb property will be the first New Zealand home to achieve this standard.

一旦完成，他们的Beachland郊区财产将成为新西兰第一个达到这一标准的住宅。

The house is being built out of rammed-earth and designed to be completely self-sufficient with all power generated on site, compostable toilets and waste water treatment.

正在建造的房屋用冲刷土建造，设计成完全自给自足，并配有现场产生的所有电力、堆肥式厕所和废水处理。

But when hunting around for a mortgage, the couple were shocked to find no New Zealand banks offer loans with lower interest rates for green builds.

但当申请抵押贷款时，这对夫妇震惊地发现，没有新西兰银行提供较低利率的绿色建筑贷款。

Lower interest loans for green builds are available in other countries including Australia.

澳大利亚等其他国家也提供较低利息贷款，用于绿色建筑。

If banks offered eco-loans, it would encourage more people to build sustainably, Rochelle Payne said.

罗谢尔.佩恩(Rochelle Payne)表示，如果银行提供生态贷款，将会鼓励更多的人可持续地建设。

"We're pushing the boundaries and struggling and we would like to see banks supporting it because a lot of these projects do have additional costs so anything you can get back with extra help and support with a lower interest rate or even a bigger cash-back or better terms it would all really help and push New Zealand towards its goals," she said.

她说：“我们正在跨越界限，艰难地挣扎，我们希望看到银行支持它，因为很多项目确实需要额外的成本，因此，你可以获得额外的帮助和支持，降低利率，甚至更大的现金回流或者更好的条件，这样才能真正帮助和推动新西兰实现目标。"

The couple did finally manage to get a local bank to back them and have since completed the basement and some of the rammed-earth walls.

这对夫妇最终设法得到一家当地银行支持他们，并从后完成了地下室和一些土墙的围墙。

The appetite for green building isn't here yet because people don't understand what a quality home looks like, Ms Payne said.

佩恩女士说，人们对于绿色建筑的兴趣不在这儿，因为人们还不明白一个质量家庭是什么样子。

"A lot of people still don't understand the basics of what a green building is; they still don't understand what a warm, comfortable,

"很多人仍然不了解绿色建筑的基本知识；他们仍然不明白什么是暖和的、舒适的，”佩恩女士说。

dry home should be or what that would actually look like in reality which is possibly where a lot of our homes are falling down and why green building isn't really taking off because there is a massive lack of understanding of what that is and what that means," Ms Payne said.

Architect Bob Burnett faced similar hurdles with banks when building the first 10-Homestar rated house in New Zealand three years ago.

建筑师鲍勃.伯耐特(Bob Burnett)三年前在新西兰建造首栋10星评级大厦时，遇到了类似的障碍。

There is a lack of demand for eco-loans because people are building homes to code thinking that is the best standard, Mr Burnett said.

伯耐特先生说，由于人们正在建造住宅，以规定这是最好的标准，因此缺乏对生态贷款的需求。

"There will be a lot of people out there that aren't aware, they think that a new home is going to be the latest and greatest just like a new car but a new home in New Zealand is 30/40 years out of date, you know,

那里有很多人并不知道，他们认为新家将是最新和最伟大的地方，就像新车一样。

we don't drive around in Ford Escorts or Morri-Minors anymore - we wouldn't accept that so why do we accept that for our homes?"

Mr Burnett is in the process of creating what he calls a "Housing Dashboard" - a 3D tool which will allow people to see how adding solar or insulation can improve their home.

伯耐特先生正在创造他所谓的“房屋建筑设计板”（HouseHouseDashboard），这个3D工具将使人们能够看到增加太阳能或绝缘能够如何改善自己的住宅。

It will even show people how many trips to the doctor or days off work they will need because of health problems from living in cold, damp or mouldy homes.

这甚至会向人们展示出多少次去医生或因为生活在寒冷、潮湿或霉烂的家中健康问题而需要几天的工作的旅程。

The government need to do more to improve housing, he said.

他说，政府需要做更多的工作来改善住房。

"We are an embarrassment, we are a laughing stock to the world when people look at how we live and the homes that we live in and there's definitely a role for the government to pull their socks up.

“我们感到尴尬，当人们看着我们如何生活和我们生活的家园时，我们成了世界的笑柄。“

"There needs to be incentives and there hasn't been any, it has just been hands off, let market-forces decide what happens with housing and we've seen how well that's worked," Mr Burnett said.

伯尼特说：“需要激励，让市场力量决定住房会发生什么，我们已经看到了住房的效果如何。”

Of the five major banks only ANZ and the BNZ said they are looking into eco loans.

在五家主要银行中，只有澳新银行和英国国家银行表示，它们正在研究生态贷款。

Kiwibank and Westpac offer incentives for renewable energy systems and insulation costs.

Kiwibank和Westpac为可再生能源系统和绝缘成本提供了激励。