据报道，澳洲国民银行（National Bank Australia）正在准备全面调查借款人的债务情况，税单、家庭贷款、透支和信贷额度等方面都在审核范围！
NAB的发言人说：“我们的目标就是可以负责任地放贷，并继续支持澳大利亚人实现自己的购房愿望。我们一直在寻找方法来简化我们的流程，加快审批时间，同时确保客户能够偿还他们的住房贷款。”
这位发言人表示，该行放贷的意愿没有改变，但该行正在采取一些具体措施来保证自己可以负责任的放贷。
从4月29日开始，该行已引入债务收入比，即通过考虑现有的长期和短期债务承诺，提高对借款者全面财务状况的了解。此外，NAB还将用不同的方法来评估信托收入。
例如，总债务为65万澳元，总收入为10万澳元的申请人，其债务与收入之比为6.5（DTI最高不允许超过9）。收入包括工资、个体经营收入、租金和投资收入。
该行已致信中介机构，鼓励他们就支出进行详细审查。未使用的信用卡或信贷额度，包括股息、奖金和加班工资等额外收入也在审查范围内。
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总结：大选后中介们乘着虚假利好狂欢了一把，企图骗着小白入市。但是，Responsible lending是皇家委员会调查后设立的法律框架，各大行花了几十亿Implement，怎么可能掉头。手上有投资房的乘着中介吹风、小白接手，赶紧卖掉吧，等到小白们回过神来，等到你手上现金流干枯，再卖就被动了。
原文出处：https://www.afr.com/business/ban ... ars-20190423-p51ge6
这种事中介是不会说的，房子卖出去了管你死活，但你的钱不是大风刮来的，脑子一热十几万就流到别人口袋里了。
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不要据报道啊，把原文引用出来，注名出处。这种算谣言
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从4月29日开始？有原文吗？出自哪里？
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空军越来越Low了，再多发几个重磅旧闻加谣言，友就信了。
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我来给大家贴旧文，国民还计划派部队消灭空军。
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还重磅！最近一两年银行不都这样吗？
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旧闻倒是旧闻，燃鹅却不是谣言
NAB deep dive probe into borrower debt sparks backlash fears
NAB is set to crack down on new lending, with an exhaustive probe into borrowers’ total debt ranging from tax bills to family loans, overdrafts and lines of credit.
The bank is trying to head off a potential backlash from mortgage brokers, borrowers and financiers who fear the deep diving into borrowers’ applications will slow loan processing, particularly for property investors.
It follows NAB’s bruising criticism from the Hayne royal commission into lending standards and disclosures that contributed to the departure of the chairman and chief executive and a top-level shake-up.
Lenders are increasingly worried about borrowers’ capacity to repay as household debt levels peak at record highs and mortgage arrears begin to rise, albeit off a low base.
“We are committed to lending responsibly and continue to back Australians with their home ownership goals,” a bank spokesman said. “We are constantly looking for ways to simplify our processes and speed up approval times while ensuring customers can meet their home loan repayments.”
The bank spokesman said its “appetite to lend has not changed” but it was taking a more detailed approach to ensure responsible lending.
From next Monday it will introduce a debt-to-income ratio to improve understanding of the borrowers’ full financial circumstances by considering existing long- and short-term debt commitments.
Debt-to-income (DTI) is the ratio of a customer’s total debt from all sources divided by their total income.
It will complement the existing loan-to-income ratio, which is less comprehensive.
Total debt may consist of a new loan limit, existing home loans, lines of credit, credit cards, overdrafts, personal and business loans, tax office debt and family loans.
For example, an applicant with total debt of $650,000 and total income of $100,000 will have a debt-to-income ratio of 6.5. The cut-off threshold will be a DTI of nine.
Income can include PAYG, self-employed income, rental and investment income.
The bank has written to intermediaries “encouraging detailed conversations” to check on spending. This could include cancelling unused credit cards or line of credit facilities, and including additional income such as dividends, bonuses and overtime.
Different methods of calculation will apply where there is supporting business income. Business debt is not included in the ratio but business income will be offset against business tax and business debt repayments.
There will also be different methods for assessing trust income.
In addition, for revolving debts, like credit cards, the credit limit will be used rather than outstanding debt.
For non-revolving debt, such as a principal and interest home loan, the scheduled limit, which is balance and available redraw, will be used.
DTI calculations will also include 100 per cent of a joint loan because the customer is jointly and severally liable for it.
The launch, which is yet to be formally announced, comes amid industry warnings that strict interpretation of responsible lending laws has created a bottleneck of mortgage applications with massive delays in the approval process contributing to a rise in the cost of credit and vastly reduced borrowing capacity in the post-royal commission environment.
Analysis of more than 30,000 mortgages from online broker Lendi found approval times have more than doubled for investors over the past 18 months, while the wait time for owner-occupiers has increased by more than 50 per cent as the banks demand more information from borrowers.
NAB is also attempting to address the fallout from mortgage brokers from processing delays and the hike in variable interest rates.
The bank has lost the support of the country's largest mortgage broking group, with its market share among borrowers seeking to refinance more than halving from 8.5 per cent to less than 4 per cent, forcing it to begin offering sweeteners to shore up support.
Australian Finance Group said NAB had lost market share across fixed interest, investor, homeowner and refinancing over the past 12 months.
NAB disputes the concerns, claiming it is committed to its existing customers, has "strongly improved" customer retention, and is the best-performing major bank for home loan market share growth over the past 12 months.
But an NAB spokesman blamed recent loan application losses on "many factors", including the controversial hike in variable rates in January, five months after its rivals after former CEO Andrew Thorburn pledged they would be held to restore trust.
https://www.afr.com/business/ban ... ars-20190423-p51ge6
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嗯，要对客户认真负责嘛
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估计是去年的新闻
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这种事中介是不会说的，房子卖出去了管你死活
原文：https://www.afr.com/business/banking-and-finance/nab-deep-dive-probe-into-borrower-debt-sparks-backlash-fears-20190423-p51ge6
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都说了，6月份还会收紧贷款。
另一四大之一银行，从下月2日就开始进一步收紧。
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老掉牙的“”新闻“了， 毫无参考价值。 用这个来造势有点low了。
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因为收到了毛头币要大大贬值的信号
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造假骗贷是不可能了。高杠杠的也难再加贷了。高收入的低负债的欢迎
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其实这样挺好的，健康发展
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空军继续自我安慰
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单人年薪8万，能贷款45万就不错了，年薪10万，贷到60万就该满足了，这还需要信用报告没问题，没有信用卡，没有其他债务，生活开支流水符合银行要求，没有其他投资房或者车贷等，总的来说，现在不鼓励投资了，好在银行只是针对新客人这么搞，要是对存量老客人也这么弄，估计房市分分钟崩溃
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一个家庭年收入12万左右的三口之家，顶多能贷到50万左右。
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挺好的，能刷掉一批投机客，让真正好好工作存钱的人能够买到房买得起房
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没有新客人接盘，房价慢慢阴跌。
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这样挺好呀，RBA降息刺激经济，银行加强审查防止资金流入房市导致泡沫。而经济刺激起来了，房价稳定或健康上涨是自然而然的事情
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