http://www.afr.com/real-estate/westpac-launches-spring-property-offensive-with-85-basis-point-cut-20170830-gy74i0
固定 活期 PI IO 都降了。降幅也不小。欢迎大家加分。
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哈哈哈，还好没固定
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楼主能贴一下内容吗？这个网址让人注册才能看文章
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Westpac Banking Group is aggressively launching into the peak spring residential property sales season by slashing mortgage interest rates by up to 85 basis points and waiving fees on some products.
The group, which also includes Bank of Melbourne, St George and BankSA, is also cutting rates on some interest-only products, despite revealing its exposure to the higher risk products was above regulatory benchmarks.
Westpac, the nation's second largest lender, is timing the launch for the first weekend of spring sales, which is traditionally the most buoyant period for residential buyers and sellers.
Other lenders are expected to follow by cutting rates or launching special promotions over coming weeks.
Westpac is reducing interest-only fixed rates across one to five-years terms by up to 40 basis points. The new three-year residential investment fixed rate will be 4.64 per cent.
A residential investment loan promotion slices 85 basis points off the existing rate to 4.89 per cent.
New four-year owner occupier interest-only rates will be cut by 35 basis points to 4.79 per cent.
Existing loans are not eligible for the promotional offers.
Establishment fees are being waived for loans of more than $150,000 for the new offers but the $100 establishment fee still applies.
Earlier this week the group introduced measures intended to tighten lending criteria by increasing scrutiny of borrowers' income, the second policy change in a week after revealing its exposure to higher-risk interest-only property buyers.
The group is requesting more details about borrowers' bonuses, casual income, superannuation payments, savings and any tax benefits that might be used to qualify for a loan.
Last week, the group told mortgage brokers, a key distributor of loans, that it was toughening scrutiny of new borrowers' ability to service loans in response to regulator's "refining" of lending criteria.
The group recently ditched some mortgage and equity-release products in a high-level review of its product range and underwriting standards.
The top-down review reassessed dozens of loans and lending packages, which include credit and insurance products, as the bank and its subsidiaries adjust lending criteria to changing market conditions.
Westpac has the largest proportion of loans made on interest-only terms, reflecting a book weighted towards property investors who use interest-only loans to take advantage of negative gearing tax benefits.
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其它银行不知会不会跟进
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那Variable rate interest only是降了多少啊？
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好像只是定息降
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房价要涨
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感觉银行就是在玩弄贷款者呀！大幅涨只还利息，逼得大家改还本息，然后又降只还利息
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人为刀俎我为鱼肉
除非全款，否则只能按照银行的拍子起舞了
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WTF
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春天到了
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降完后是多少？
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谁简单地总结一下，什么情况？
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这网站很好破解。。
你打开网站，在那个全屏广告跳出前点浏览器的停止。。。就能看全文了。相当傻的设计
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P+I还会降吗，期待
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无所谓啊。。PI和IO网银里改一下好了。。
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这样会不会io比ip利息更低呀？
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只适合新客户 银行永远只给disco
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银行总是给discount给新客户啊
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IO降完之后还是比PI高0.6-0.8%，而且他们降IO的固定利率是因为之前比其他银行多加了一次而已，现在降回来跟其他3大的IO利率还是没什么区别
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降毛啊 8月1号就他家加息了 一样烂
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自住还是本息还吧。
投资房interest only，这个降得确实蛮吸引人的
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如果你未来想把自住转为投资房
那自往IO 不是更有弹性?
唯一不同的
是自住可以用OFFSET
投资就不需要了
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这种新闻属于哗众取宠，0.85最后只能是无人问津的小众产品而已。银行真正赚钱的产品谁都不会拿出来当炮灰抢市场
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房价要涨
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