呼唤大胸妹
评论
付费新闻吗，楼主贴下原文
评论
Rates on interest-only investment loans are being slashed by up to 30 basis points following APRA's decision to lift lending caps on borrowers, triggering speculation that other lenders will start reducing investor rates in a bid to stimulate demand and boost profits.
Real estate companies and developers are hoping the move will reverse the investment lending plunge that has caused new borrowing to plunge nearly 18 per cent from market highs.
"This is what the market has been waiting for," said Steve Lusi, a director of Direct Property Group, a Melbourne-based real estate agency.
"This will make investors a lot more confident about property and means they are not being penalised.
Other lenders are expected to follow in a bid to rebuild net interest margins hit by falling investor demand.
评论
Suncorp, the nation's fifth-largest mortgage lender, will today announce it is cutting interest-only investment loans on two and three-year rates by between 20 and 30 basis points.
'Highly competitive space'
The headline new interest-only two and three year fixed rates will be 4.34 per cent.
Other lenders are also lowering rates, fees or easing conditions or fees in a bid to boost investor lending.
Teachers Mutual Bank, one of the nation's largest mutuals, is cutting investor loans for principal and interest buyers by 20 basis points for its variable product and fixed rates from one to five years.
The bank, which includes UniBank and Firefightes Mutual Bank, is also reducing the minimum monthly surplus for residential investment loans for both principal and interest and interest-only from $1000 to $300.
Pepper Money, a major non-authorised deposit taking institution, has cut $1800 of establishment, title protection and legal fees.
"We've been waiting for lenders to drop their rates and improve their terms," said Mr Lusi. "This is going to be a highly competitive space again."
Australian Prudential Regulation Authority last month announced the lending cap, which was introduced in 2014 and required banks to limit growth in lending to housing investors to 10 per cent, had "served its purpose" and big banks had improved lending standards.
Any bank that can prove its investor loan book has been growing below the benchmark for at least the past six months, and can show it has met APRA's requirements on serviceability, can have the cap removed.
It will be replaced with a series of more permanent measures to keep lending standards strong.
APRA said it wants banks to set internal limits on the proportion of new lending they do to borrowers with very high debt-to-income, and set limits on maximum debt-to-income levels for individual borrowers.
Chairman Wayne Byres warned the lending "environment remains one of heightened risk and there are still some practices that need to be further strengthened".
Analysts claim the removal of the cap would be offset by a tightening in lending standards.
Investor housing finance commitments had plunged by nearly 18 per cent below peaks following higher mortgage rates to investors and other policy constraints restricting lending, according to CoreLogic, which monitors pricing.
But despite the fall investor lending accounted for more than 44 per cent of total new lending – excluding refinancing – during February, which was well above the long-term average of 34 per cent, its research shows.
Melbourne and Sydney, which are the most active real estate markets, were the hardest hit, it claims.
评论
房价要跳了，澳币这么低，贷款放宽，未来四年移民90万，不涨都难！
评论
没啥用，贷款难，上不了车。
评论
房东又要狂欢了。
评论
喜闻乐见。
评论
评论
这不是久旱遇甘霖，瞌睡送枕头吗？赶紧买买买啊，多军们的喜大普奔了该
评论
评论
大家说的是房东 弹药已经打完 款已经贷出来了 这也能狡辩？
评论
现有客户不问就不给自动降，万恶的资本家
评论
感觉降完以后还比别家贵
评论
When it plunge, everybody hurts
评论
评论
大胸妹果然开炮了
评论
有人问银行讨降息成功的话麻烦给个消息哦
我也去讨
评论
自己凌乱了吧 是谁说利息要涨的 是谁说要尸横遍野的 是谁说两年内会扛不住的。现在银行起码有再次开闸的迹象了，再加上4年百万移民，脸疼吗？
评论
又见欢乐贴
评论
降吧降吧 次级债猛兽蓄势待发
评论
不管真假，顶顶！
评论
哇哇哇是吗
评论
只有胸早就没脸了
评论
有钱快去买 还是想要圈大肥羊^_^
澳洲中文论坛热点
- 悉尼部份城铁将封闭一年，华人区受影响！只能乘巴士（组图）
- 据《逐日电讯报》报导，从明年年中开始，因为从Bankstown和Sydenham的城铁将因Metro South West革新名目而
- 联邦政客们具有多少房产？
- 据本月早些时分报导，绿党副首领、参议员Mehreen Faruqi已获准在Port Macquarie联系其房产并建造三栋投资联