好消息！！！St George 银行将考虑减少首次置业者的首付

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贷款市场（Loan Market）首席运营官Dean Rushton称，St George银行成为第一家接受租金记录证明，向首次置业者提供贷款服务的澳洲银行。

Rushton称，如果购房者提供一份至少连续12个月的良好租房记录，且所租物业通过正规持牌房产中介获得，St George银行将可考虑减少房贷首付款。“这一举措对首次置业人士来说是个重大突破，并可能推动房贷市场的发展。”他说。

高利率，更严格的贷款条件以及政府提高购房补助金政策在去年年底结束等因素，迫使首次置业者退出房产市场。 另一个主要限制条件便来自于房贷首付款的压力，特别是在现在的经济环境下，民众的生活成本大幅增加包括租金支付。

如果在评估房贷申请时，租金记录可作为一个考虑因素，这将帮助许多人实现置业梦想。


ST GEORGE Bank will recognise rental payments as evidence of genuine savings, providing a much needed boost for first home buyers.
Mortgage broker Loan Market today welcomed the bank’s move, saying it could be a major boost to the home finance industry.

Loan Market chief operating officer Dean Rushton said St George will accept rent as a form of savings for a home deposit provided there is evidence of a minimum of 12 months’ continuous, satisfactory rental history and the property is leased through a licensed property manager.

The move, however, does not change St George’s requirements for a home deposit

“This is a significant breakthrough for first homebuyers and a move which could be a major boost to the home finance industry,” Mr Rushton said.

“Higher interest rates, tougher lending conditions and the end of the boosted federal government grant at the end of last year have driven first time buyers out of the market.

“Another major restriction for them has been the difficulty in saving a deposit for a home loan, particularly in this economic climate with people having to cope with massive cost of living increases including rental payments.

“Australian lenders require a percentage of the purchase price - normally five per cent minimum - to be saved for all loans but it is extremely difficult for people paying the exorbitant rents customary these days to save money.

“But if rental payments were taken into consideration as a factor in assessing genuine savings that would enable many people to pursue the dream of home ownership.

“St George has now moved to accept rental history as a form of genuine savings and they should be applauded for this decision as it will enable a lot more people to realise the great Australian dream of home ownership.

“This is a major step forward which will also boost activity in the struggling home finance sector and we expect other lenders to follow suit.”

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http://www.perthnow.com.au/money ... iztr4-1225975110556