https://www.theaustralian.com.au ... bace65f5c6c66ebebbb
The RBA will cut short-term interest rates next week but their impact will be offset by new regulations resulting in the banks applying stricter tests for household expenditures making loans harder to get, along with an ASIC-suggested buffer above the expenses test.
The new rules underline the increased scrutiny on the banks which could lead to some confusion because on the one hand APRA is increasing flexibility and on the other ASIC is raising responsible lending rules.
The banks are now rolling out new lending criteria based on stricter tests under the so-called household expenditure measure table which details estimates of household expenditures at different income levels.
The RBA rate cuts are meant to boost confidence, making it easier to borrow, as are the more flexible serviceability rules allowed by APRA, but the revised HEM guidelines will make loans harder to get, along with the buffer being suggested by ASIC above the expenditure test.
Earlier this month APRA dropped its 7 per cent threshold which it was using as a guide to banks to test loan serviceability, replacing the floor with a new 2.5 per cent threshold so a loan will be tested to see whether someone can afford to pay a mortgage 250 basis points above the one on offer.
That change was seen as a boon to the banks ahead of the expected RBA rate cuts.
The rate cuts are still expected but the new expenditure measures being imposed by the banks will make it tougher for some people to get a loan.
ASIC is being active in the area of responsible lending as it awaits judgment in the case against Westpac. It has also circulated a new responsible lending standard known as RG 209 which is moving into stage consultations with the Australian Banking Association among others.
The first round of consultations took in more than 70 submissions before it closed last week.
The banks welcomed the APRA changes earlier in the month but are not so keen on the new ASIC-inspired HEM changes. CBA boss Matt Comyn talked up home loan volumes in a speech this week, but the tighter lending criteria may make life a bit tougher.
APRA plans to roll out new policies as it awaits Graeme Samuel’s capability review which will be handed to the government at month’s end.
A similar review of ASIC met with strong opposition from former ASIC boss Greg Medcraft but was effectively rolled out by new chair James Shipton who has the report’s author Karen Chester as his new deputy.
At the same time as the capability report is handed to Treasurer Josh Frydenerg, APRA, will release its new remuneration guidelines, or BEAR rules, to be rolled to an expended group of financial companies.
Shareholder groups are less worried about non-financial criteria used in remuneration reports than they are about lack of accountability, with boards paying out short-term incentives as a matter of course, even when the banks admit they had effectively stolen customer funds by charging for services not delivered.
While the banks are all attempting to compensate customers who were mistreated, there is some concern at APRA that they are being too conservative, worried they might pay a touch more in compensation than they need to.
This suggests the much heralded change in bank culture hasn’t quite happened yet.
APRA will release new rules on loss absorbing capacity shortly and new risk weightings, which are expected to increase weightings for interest-only and investor home loans while reducing them for owner-occupied loans.
This is expected to narrow the gap in capital levels held by so-called advanced banks (the majors) and the smaller banks like Bendigo and Adelaide bank, which are required to keep by way of example $38,000 in capital for a $1 million home loan, against $26,000 in capital for one of the majors.
They also change criteria for small business loans tied to mortgages in an attempt to lower capital weightings to boost small business loans.
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论坛里不是一堆人看好新政策 要各种涨吗？
现在看来海外人士依旧不可能贷款
本地在原有基础上 贷款更难了
请问怎么暴涨？
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要跌停要作死
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看不到原文啊
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更新了原文
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RBA降息可以保证现有借款人的还款能力，对房价的助推没有太大的作用。现在收入和房价差一大截，要么收入上去，要么房价下来，就看经济了，看自由党的了。
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呵呵
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作为一个黄种人，你人生最大的错误就是选了自由党。。。哈哈
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哥们 大选都结束了 就别什么都往党上靠了 前几个月都快看吐了 这两党 都是一个鸟样 选谁上结果都是一样 有本事谁敢说 谁上台假贷款随便做 你看看哪个党敢
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这话说得没毛病，谁上台都不可能乱放贷款了。所以，指望自由党连任就能让房价上涨是压错宝了。
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没错。。。而且这些政策跟谁当选关系不大吧，本来都是大选前定下来的，都等着选完发布呢。否则选举完刚两三天就哗啦啦都落地了？这效率也忒高了
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名字起得真好！BEAR rules
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没啥影响的，房东不用自己吓自己。
因为即使ASIC不强制要求HEM Buffer，被皇委会罚过的银行早已主动加码加缓冲。
你上四大官网房贷计算器按一下，就会惊奇的发现，最大借贷能力没啥变动。。。
ASIC更严的要求体现在银行计算偿债能力的公式里用的家庭支出的最低值，银行已经加过了缓冲。
一队无孩夫妻，
CBA $2700 已经包含了17%的Buffer。
WBC $2650
NAB $2850
ANZ $3050
Running the CBA’s online calculator showed the minimum acceptable monthly expenses is $2700, or 17 per cent above the inflation-adjusted previous minimum of $2316. Potential borrowers can enter estimated expenses below that level, but they did not result in a higher maximum borrowing capacity.
A similar tests of the other big banks' online calculators suggested the minimum monthly expense bill for this pretend couple was $2650 for Westpac, $2850 for NAB and $3050 for ANZ.
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上面这个数字还会根据收入升高。。。我现在做一个家庭银行接受的最低生活费是4700我也要醉了
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4700??!!!! 能不能解释一下 是怎么出来的？
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要上前几年就上了。现在这个局面还能上哪去呢。除了纸上画个大饼，提高最低收入。
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看家庭几口人了，差不多吧，现在物价这么高。
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有孩子有房贷的 6000+
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夫妻带2个小孩，18年的时候， ING就已经是56000年生活开支，平均每月4700
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给了高质量贷款人买房的窗口
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收入越高的人，银行用的HEM就越高
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蛮合理的。
收入高，一般消费也水涨船高。私校学费涨得比通胀快多了。
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如果银行账单里私校学费的纪录给银行看到的话，那可不得了了
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以后去小lender贷款的人应该越来越多 现在有无人给有list 额度比较送的lender
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那这将来还怎么贷款。。一个家庭是指有俩孩子么？
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家庭收入越高 银行能接受的最低生活费越高.....就这样上去的 3个月消费记录一条条加还经常超过5000的也常见 包括信用卡消费 你得一条条去argue这是一年一次的 那个是一次性的....累心
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哎，客户太不替你省心了。
像我转贷之前，自觉先买好预付费卡，花钱都用澳洲预付费卡或者刷中国卡，转贷前三个月澳洲卡消费很低，对账单一看就是勤俭节约的家庭。信用卡额度还减掉五万多。
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文化不同也算理解吧 20万收入的医生住在60万的房子里 想买个100万房子凑不出10%首付的也有。。。那张单看的触目惊心
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