新西兰ZT: 砖家：这“泡沫”不能乱捅
在新西兰
http://www.nzherald.co.nz/proper ... 8&objectid=11639835
Real estate chief: Debt-to-income cap idea a disaster
Reserve Bank debt-to-income caps would be disastrous for house buyers and the residential and building sector, says a real estate chief.
Connal Townsend, Property Council chief executive, said any new restrictions would worsen housing affordability and his organisation was "terribly concerned" about it.
Last week, the Reserve Bank raised the possibility of introducing debt-to-income ratios after it warned the Government that resurgent house prices were a risk to the economy.
Governor Graeme Wheeler said the average house price in Auckland was nine times larger than the average income, making it one of the least affordable metropolitan markets in the developed world.
The bank has raised the idea previously but said last Wednesday it was "seriously considering" the measure.
If the regime comes in, people could be stopped from borrowing too much compared to their incomes. That is already operating in Britain, where most buyers cannot get a mortgage higher than 4.5 times their annual earnings.
But Townsend said any such move would not only kill off buyers' hopes, but also be very detrimental to the apartment and house-building sector.
"We are terribly concerned about the unintended consequences more limitations will have. Restricting borrowing does not change the value or shortage of land," Townsend said.
"This policy could stop what we need most, which is building more houses in Auckland.
"Limited land supply and speculation have caused buyers to become price-takers with demand becoming relatively inelastic. Monetary policy tools should be aimed at changing that, not pricing more people out of the housing market."
- NZ Herald
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不能乱捅的沙发！
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什么情况？？？？？？？
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月满则亏，水满则溢。
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说的是我们这个论坛大家都懂的道理 就是前两天讨论的内容 看来我们都已经是专家级别啦 哈哈
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Share a joke:
Remember when we cried as kids and our parents said 'I'll give you something to cry about'. We thought they were going to hit us but instead they destroyed the housing market.
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以为是泡沫，一捅才知道是马蜂窝。。。哈哈