白高兴了，没多少啊
关键是，好像是不能包括introductory rate的！比如现在cba P&I rate 3.59%是2 year introductory，apra要求的计算是要用ongoing rate，那就是4.25% p.a. 算下来floor是6.75啊？
https://www.apra.gov.au/sites/default/files/letter_consultation_on_revisions_to_prudential_practice_guide_apg_223_residential_mortgage_lending.pdf
Good practice would be to apply a buffer over the a loan’s interest rate to assess the
serviceability of the borrower (interest rate buffer). The interest rate buffer would be applied
to the loan’s interest rate ignoring any introductory or honeymoon rates offered for a limited
period at origination of the loan. This approach would seek to ensure that potential
increases in interest rates do not adversely impact on a borrower’s capacity to repay a
loan. The buffer would reflect the potential for interest rates to change over several years.
APRA expects that a prudent ADI’s serviceability policies would incorporate an
interest rate buffer of at least two and a half percentage points.
这样的话下面所谓增加6w7都到不了？
For a couple with two children with a household income of $150,000 a year, the change could increase the maximum amount a bank would lend them by $67,000, to $903,000, according to RateCity analysis. That is based on a bank using an assessment rate of 6.5 per cent, instead of 7.25 per cent currently.
https://www.smh.com.au/business/banking-and-finance/apra-moves-to-scrap-7-percent-mortgage-rate-floor-20190521-p51pht.html
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一切刚刚开始。
第一步是从固定红线改为浮动。
第二步，除了央行降息，各商业银行应该还有0.5%左右的专门留给投资客的下浮空间。只是不知何时发生。
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怎么说也是利好消息，再不买就买不起了
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发言请讲证据
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看错了， 还以为是从67万涨到90万
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已经发生。 一些小的lender investment Loan Io 带full offset,3.59% 浮动。但有意思的是owner occupied IO 要3.85%. 也就是说自住还需要IO的话， 就等同说你是相对劣质的客户， 所以风险系数会高， 所以利息会高些。
大银行跟进起码半年后。
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毕竟是个好消息。
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哇 这个真低
固定都要3.69
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欢呼雀跃了半天就只能多贷6万7
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又不是我说的，有新闻链接啊
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那个lender啊
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（7.25%-6.5%)/7.25%=10%
按照道理应该从原本的83万涨到91.9万，怎么只涨到90.3万呢？
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大家都别猜，下周见分晓
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年底见分晓
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我也纳闷，仔细想了一下，这个改变可能改变的是你本来要交利息的那部分，减少了应付利息那部分就增加到贷款额了。我们假设能贷的金额完全取决于这个servicibility floor，比如，100w贷款的话，贷款计算器显示利息大概80w，变化后可以少交80w的10%，这部分相应的增加到贷款额？
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有可能，如果IO就应该符合这个规律 ，而PI的话，本金那部分要考虑进去
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嗯，对，所以最终估计io和pi增加的差不多，因为io本来的利息就高一些
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感觉房东预期又要提高了。
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关键是，好像是不能包括introductory rate的！比如现在cba P&I rate 3.59%是2 year introductory，apra要求的计算是要用ongoing rate，那就是4.25% p.a. 算下来floor是6.75啊？
https://www.apra.gov.au/sites/default/files/letter_consultation_on_revisions_to_prudential_practice_guide_apg_223_residential_mortgage_lending.pdf
Good practice would apply be to apply a buffer over the a loan’s interest rate to assess the
serviceability of the borrower (interest rate buffer). The interest rate buffer would be applied
to the loan’s interest rate ignoring any introductory or honeymoon rates offered for a limited
period at origination of the loan. This approach would seek to ensure that potential
increases in interest rates do not adversely impact on a borrower’s capacity to repay a
loan. The buffer would reflect the potential for interest rates to change over several years.
APRA expects that a prudent ADI’s serviceability policies should would incorporate an
interest rate buffer of at least two and a half percentage points.
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内部消息，已经有小银行开始内部讨论用6%的assessment rate计算，已经提交给APRA，预计批下来也会很快。
四大预计不高于6.5%，有望在6-6.25%，并随未来1-2次降息后再度下降。
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小银行好像没有所谓的introductory rate
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叫法不同，honeymoon rate，basic rate, first home buyer rate, etc
不胜枚举，几乎每家都有
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哦 对 是一回事 估计很快水落石出
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