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本帖最后由 Clairelan 于 2018-3-2 23:38 编辑
xxqqxx89 发表于 2018-3-2 22:59 
LZ直接贴出来不好嘛
可能广大大妈大爷看不懂。。。我就粗略的说下吧。。。
这篇新闻说，CBA和西太有降息。。。但是担心的是后面那些只还利息的100B贷款将来怎么办，将来他们可能拿不到好的利率 还需要负担每月多几千刀的还款压力。。。 另外提到了 只还利息和本息同还的实际还款额大概差了2.8%左右。。。 还提到了政府说了，对于只还利息的限制在可预测的未来是不会去除的。。。当然，最恶心的是，银行已经给做贷款的都发信了。。。新的更严格的收入和放贷标准（之前有网友发过帖子了，只能贷可支配收入的7倍，之类的。。。）而且需要及时更新借款人的财务信息，比如失业啊或者现金流中断了之类的（估计以后什么自己付3个月的工资给自己就没戏了）。。。
CBA Westpac cut rates but 220,000 interest-only loans face $100b crunch
Commonwealth Bank of Australia and Westpac, the nation's two largest lenders, have announced cuts across its fixed rate interest-only loans of up to 50 basis points.
CBA also cut fixed rates on fixed rate principal and interest loans and increased rates by up to 20basis points on some principal and interest products.
While the cuts will give some borrowers relief, across the banking sector more than 220,000 interest-only property fixed term loans totalling upwards of $100 billion could face a credit crunch as their loans come up for renewal over the next five years, analysis of lending reveals.
That's more than one-in-seven current interest-only loans measured by volume and about one-in-six by value, it shows.
Some investment property borrowers could face big hikes in repayments as they transition to principal and interest, costly switches to other lenders, forced sales or negotiating longer repayment terms, the analysis reveals.
Major lenders, including National Australia Bank and Westpac Group, are currently writing to their broker networks warning them about tough changes to income policies in home lending credit decisions.
The analysis showing a potential mortgage crunch is based on estimates of interest-only loans falling outside current lending standards that are over the next four years to February 2022.
The analysis, by independent consultancy Digital Finance Analytics, reveals that this year the fixed terms of more than $14 billion worth of interest-only loans, the vast bulk of them investment loans, face a reset outside of current lending criteria.
The value of interest-only loans due for renegotiation more than doubles to $27 billion by 2020 before slowly reducing to about $13.5 billion in 2022, according to the analysis. The $100 billion headline number is 40 per cent higher than previous estimates.
"This is a big deal because it means there is a considerable number of households who may have to spend a lot more of the household budget on investment mortgage repayments," said Martin North, principal of DFA.
The spread between a principal and interest investment loan and a standard variable loan can be more than 280 basis points, which is thousands of dollars a month higher repayments on a typical loan, according to analysis by Canstar, which monitors rates and charges.
Some economists, such as Kate Hickie, for Capital Economics, said it could be "tricky" for some property borrowers and lenders but does not believe it will trigger systemic issues.
Latest APRA data shows tougher lending standards have worked to curb investor lending and encouraged the return of first-time home buyers, particularly in Melbourne and Sydney.
For example, demand for fixed rate home loans has fallen for the sixth consecutive month, from about 28 per cent to 22 per cent, according to Mortgage Choice, the nation's sixth largest lender.
But the macro-prudential limits on lending mean borrowers who need to refinance might not qualify for a new interest-only loan or principal and interest loan with a lower interest rate or better features.
APRA chief Wayne Byres recently said the 10 per cent cap on growth in bank lending to investors is "probably reaching the end of its useful life".
But the 30 per cent limit on new lending to borrowers who are only repaying interest is set to remain for the foreseeable future.
Small business chiefs and investors are warning the looming financial crunch could worry about eight in10 small business owners with loans secured against their homes and thousands of property investors.
The major banks are estimated to have about $542 billion exposure to investment property loans, according to analysis by Morgan Stanley Research.
NAB and Westpac have the highest exposure to interest-only loans with about 40 per cent of loan book, the analysis shows.
NAB and Westpac Group, which includes Bank of Melbourne, BankSA and St Georges Bank, are writing to their broker networks reminding them about recent changes that involve updating any changes in borrowers' financial circumstances, such as loss of job or other interruption to cash flow.
The surge in loan resets is expected to coincide with an increase in borrowing rates.
More than eight in 10 economics and housing professionals believe the next rate move will be a rise, with about half estimating the rises will be rolling out mid-next year, according to Finder.com.au, which monitors rates.
Analysis of recent APRA data shows that last September there were about $549 billion interest-only loans, down from a peak of $587 billion the previous March. The total number of interest-only loans was about about 1.6 billion.
Read more: http://www.afr.com/personal-fina ... 0wwhb#ixzz58anf5fae
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父亲节的可可栗子蛋糕 (2013-6-16) 幸运猫 
发表于 2018-3-2 20:24
