General information for preparation, not a lending decision.帮助您准备问题的一般信息，不是贷款决定。
Cashback and clawbackCashback 和 clawback
Many lenders in New Zealand offer cash contributions: often called cashback: when you refinance a home loan to them. These offers typically range from 0.5% to 1.0% of the loan amount. A client refinancing a $500,000 mortgage may receive $2,500 to $5,000 as a lump-sum payment after settlement.
Cashback is not free money. Nearly all lenders attach a clawback clause to these offers. If you repay or refinance the loan within a specified period: usually two to four years: you must repay the cashback in full. Some lenders also scale the clawback, reducing the amount owed proportionally each year you stay.
Consider this scenario: you accept a $3,000 cashback from Lender B with a three-year clawback. After 18 months you find a better rate with Lender C. Leaving Lender B may cost you the full $3,000, effectively wiping out any interest-rate benefit you gained during those 18 months. Some lenders calculate the clawback on a sliding scale: for example, 100% in year one, 66% in year two, 33% in year three: which makes leaving less expensive the longer you stay.
The net benefit of refinancing with cashback is: interest savings + cashback received − break costs − new-loan fees − any clawback you trigger by leaving early. A cashback offer that looks attractive upfront may turn out to be a poor deal if you plan to move properties or renegotiate within the clawback period.
It is also worth checking whether your current lender charged a clawback when you originally refinanced to them. If you are still within that clawback window, leaving now could trigger two clawbacks: one you owe and one you lose.
When comparing offers, ask each lender or broker for a full cost schedule including the clawback expiry date. Treat cashback as a consideration, not a deciding factor. A lower ongoing rate with no cashback can beat a higher rate with a large cashback over a typical three-to-five-year horizon.
新西兰许多贷款机构在您转贷时会提供现金奖励: 通常称为 cashback。这些优惠通常为贷款金额的 0.5% 到 1.0%。转贷 50 万纽元房贷的客户可能在交割后一次性收到 2,500 至 5,000 纽元。
Cashback 并非免费资金。几乎所有贷款机构都会在这些优惠中附加 clawback 条款。如果您在指定期限内（通常为两到四年）还清或转贷，您必须全额返还 cashback。部分贷款机构还采用阶梯式 clawback，逐年按比例减少应返还金额。
考虑以下情景：您从 B 银行接受了 3,000 纽元的 cashback，附带三年 clawback 条款。18 个月后，您发现 C 银行有更好的利率。离开 B 银行可能让您损失全部 3,000 纽元，实际上抵消了您在这 18 个月中获得的所有利率优惠。一些银行采用递减比例计算 clawback: 例如第一年 100%、第二年 66%、第三年 33%: 这意味着您逗留时间越长，离开的成本越低。
带 cashback 转贷的净收益为：利息节省 + 收到的 cashback − break costs − 新贷款费用 − 提前离开触发的任何 clawback。如果您计划在 clawback 期限内换房或重新谈判，表面上吸引人的 cashback 优惠可能最终成为一个糟糕的交易。
同样值得检查的是，您当前贷款机构在您最初转贷到他们那里时是否收取了 clawback。如果您仍处于该 clawback 窗口期内，现在离开可能触发双重 clawback: 一笔您需要偿还的，一笔您将失去的。
在比较不同报价时，要求每家贷款机构或经纪人提供完整的费用清单，包括 clawback 到期日。将 cashback 作为一个考虑因素，而非决定因素。在典型的三年至五年周期内，没有 cashback 的较低持续利率可能胜过有高额 cashback 的较高利率。
Points to keep in mind需要留意的事项
- Read the details alongside your own figures, timing, and documents.请结合自己的数字、时间安排和材料阅读这些内容。
- Use this article to prepare questions. Current lender criteria and personal circumstances still need to be checked.把文章当作准备问题的起点，具体贷款机构政策和个人情况仍需进一步确认。
Questions people often ask常见问题
No. This is general information from an existing service-page article. Approval, eligibility, cost, and suitability depend on your circumstances and the relevant lender criteria.
不能。这是从现有服务页面整理的一般信息。资格、审批、成本和适合性仍取决于您的实际情况以及相关贷款机构的评估标准。
Use it to identify the questions and documents that matter to your situation before deciding whether to start a conversation.
您可以把它作为整理问题和准备材料的起点，再决定是否需要结合自己的情况进一步沟通。
Source context来源背景
These public sources provide context for the general information in this article.以下公开来源为本文的一般信息提供背景。