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That's already the reality for US home buyers. Unlike in Australia, most mortgages in the US have a fixed-interest rate, locked in for 30 years.
Instead of having to wait and see if their central bank (the Federal Reserve) raises rates each month, a US 30-year fixed mortgage at 2 per cent will still have the same monthly repayment — even after a rate rise.
Why Australian banks are not offering longer term mortgages?
Due to the way our banks are funded and the regulations imposed on our banks it is a very high risk for them to offer longer term fixed rates. Their exposure to financial meltdowns and economic downturns is multiplied by offering longer term fixed rates. As a result, few banks will offer anything longer than 5 years. |
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肉松海苔苏打小饼干 (2009-5-9) 习习 
楼主:失忆空间
发表于 2023-2-10 17:36
