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wTam 发表于 2016-5-25 23:30 
连接看不了。可以贴一下全文？
Teachers Mutual Bank, Unibank stop lending to new property investors
"Despite the bank applying a number of pricing disincentives and micro-policy changes the investment home loan growth ...
"Despite the bank applying a number of pricing disincentives and micro-policy changes the investment home loan growth has not slowed in line with our expectations," Mr James said. Louise Kennerley
by Duncan Hughes
Teachers Mutual Bank and Unibank have applied the brakes on property investment to slow growth below APRA's 10 per cent speed limits.
The banks, which have more than $5.4 billion in assets and 175,000 members, are temporarily withdrawing from new investment lending to reduce annual growth from about 15 per cent.
"This decision is of our own volition after consultation with the Australian Prudential Regulation Authority. It will be reviewed on a weekly basis," said chief executive Steve James.
Mr James said its membership of school teachers and academics had been attracted to low rates despite the bank raising investment loan fees, lifting deposits and imposing stricter income tests.
For example, earlier this month it announced that investors needed minimum monthly surplus income of $1000 after deduction of all taxes, costs and expenses to qualify for a loan.
The surplus above "assessment repayment ability", which is the traditional benchmark for a borrowers' capacity to pay, applied to all investment loans, despite loan-to-value ratios of more than 80 per cent.
"Despite the bank applying a number of pricing disincentives and micro-policy changes the investment home loan growth has not slowed in line with our expectations," Mr James said.
"We will monitor our portfolio over coming weeks and announce as soon as we are ready to resume investment lending," he said.
Mr James expects borrowing volumes will drop quickly following the lending halt.
"In any other context, the strong demand for our investment loan products would be very pleasing. But we take our responsibilities to the regulator extremely seriously," he said.
Last July, AMP Bank imposed a temporary freeze on loans to investors because of concerns about breaching the 10 per cent limit.
Mr James said the decision had no impact on owner-occupied loans and all pipeline applications would be processed.
Big banks have also been toughening lending criteria, with measures including tougher examination of documentation, limits on the use of negative gearing and a clampdown on foreign buyers.
Earlier this week, Macquarie Bank announced it was toughening lending conditions for high rise and high density apartments in up to 120 postcodes around the nation.
AMP is also putting a lower cap on loans on some mining towns and suburbs on the outer fringe of capital cities.
http://www.afr.com/business/bank ... ors-20160525-gp37bd
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介绍一本书：《女士品茶》 (2012-7-27) 周周 
发表于 2016-5-25 21:20
