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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房价要涨
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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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上个月末就是他家带头涨息，还没坚持一个月就降息了，但降完之后还是没涨息之前优惠
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降完还是高
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奸商们都这样，不分国籍和部门
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哈哈，银行嘛，就是用你的钱赚你的钱。
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都是套路
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套路 还是先不固定了
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已有贷款账户的不享受此降息， 应该是仅针对新贷款申请
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开始了新一轮的钓鱼，还在游的鱼呢？ 心动不？
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是的
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转贴
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还是高
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