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本帖最后由 aulong 于 2019-7-6 10:46 编辑
白高兴了，没多少啊 
关键是，好像是不能包括introductory rate的！比如现在cba P&I rate 3.59%是2 year introductory，apra要求的计算是要用ongoing rate，那就是4.25% p.a. 算下来floor是6.75啊？
https://www.apra.gov.au/sites/default/files/letter_consultation_on_revisions_to_prudential_practice_guide_apg_223_residential_mortgage_lending.pdf
Good practice would be to apply a buffer over the a loan’s interest rate to assess the
serviceability of the borrower (interest rate buffer). The interest rate buffer would be applied
to the loan’s interest rate ignoring any introductory or honeymoon rates offered for a limited
period at origination of the loan. This approach would seek to ensure that potential
increases in interest rates do not adversely impact on a borrower’s capacity to repay a
loan. The buffer would reflect the potential for interest rates to change over several years.
APRA expects that a prudent ADI’s serviceability policies would incorporate an
interest rate buffer of at least two and a half percentage points.
这样的话下面所谓增加6w7都到不了？
For a couple with two children with a household income of $150,000 a year, the change could increase the maximum amount a bank would lend them by $67,000, to $903,000, according to RateCity analysis. That is based on a bank using an assessment rate of 6.5 per cent, instead of 7.25 per cent currently.
https://www.smh.com.au/business/banking-and-finance/apra-moves-to-scrap-7-percent-mortgage-rate-floor-20190521-p51pht.html |
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窗下吟 (2013-2-22) ayeeda 
发表于 2019-7-5 13:22
