Westpac处理高风险贷款客户，也许确有其事？

tonyblair

刚才在whirlpool看到的

有点困了，没太仔细看，有好事的给翻译一下

Had this scenario yesterday. Westpac (branch) clients.

Older couple (63 and 58) have 27 years left on a 30yr, 15 yr Interest Only, 10 YEAR FIXED loan @ 5.84%. PPOR and 2 x IP. Still 7 years under the fixed rate arrangement. She wasn't working at time of loan being granted, but advised he had received his 'retirement bonus' from his employer just before they bought.

Now owe 900k on investments (valued 390k, bought for 485k in 2015; valued at 665k, bought for 785k in 2014) and recently sold their home – from which the bank took 100% of proceeds (partial discharge) and charged them 34k in break costs and LMI fees. Apparently the bank advised them to sell the family home as investments had lost so much value – yet all loans were cross-collaterised and adjusted anyway.

Westpac also revoked an "approval" for their new home purchase after the sale went unconditional, leaving them 'homeless'. (On further discussion, it's apparent they had a verbal "pre-approval" with no valuations or income verification). I'm also guessing Westpac used his NOA for servicing as they advised he was told to take his 'retirement bonus' prior to EOFY and then apply after doing his tax return.

Westpac did – however – offer them both 15k credit cards (which of course they took).

On review, the proposed facility for new purchase fails servicing by almost $3000pm. Even if they sell both investments at market value, there is little potential for sufficient surplus funds to be realised for even a modest property to be purchased. He has ~150k in Super, she has virtually none. He is on 75k, her 35k.

They recently moved into their (adult) child's home, and are now living in what used to be the workshop. They have little prospect of ever owning their home, or being able to retire comfortably.

I'm sure Westpac aren't alone, but this is (by some margin) the 'worst' situation I have encountered.


原文链接  http://whrl.pl/RfeApn， 直接跳到那个帖子

tonyblair

某人关于此事的回复，有点道理

无论是确有其事，还是westpac deny都是官方的外交语言

Yet Westpac has issued a denial (according to AFR). So either the denial is couched in very specific terms

this

The first said something along the lines "we believe"

The other denial was something along the line "Senior Management know nuthink"

both typical responses from Westpac for everything.

HoneyBadger

没有实锤，但个人倾向认为是真的，AFR那篇报道update过了，原文：
Westpac said it is attempting to locate the letter and declined to comment.

改成了：
Westpac denied the claims. "We don't support the claims made regarding the Westpac customer communications," a spokesman said. "Based on the limited information we have been provided, the statements made are incorrect."

体会一下

tonyblair

HoneyBadger 发表于 2018-9-26 22:33
没有实锤，但个人倾向认为是真的，AFR那篇报道update过了，原文：
Westpac said it is attempting to locat ...

Westpac的否认纯外交语言，就是根据现有信息，下这样的结论不严密而已

但是这个事情（对于高风险客户强制转贷）是肯定有的  -- 我没法看afr的原文，只能根据你贴出来的2句话猜测

HoneyBadger

Westpac last week came under fire after it announced discounted rates for new borrowers as it increased standard variable rates for existing customers.

可见在西太看来比起首次置业新客户，现有贷款人是不良资产，dump掉其中一部分完全不意外。

HoneyBadger

tonyblair 发表于 2018-9-26 22:35
Westpac的否认纯外交语言，就是根据现有信息，下这样的结论不严密而已

但是这个事情（对于高风险客户强 ...

原文：
https://outline.com/WKFxJF

就update了一段