首次置业者只需5%首付

katherman

刚刚收到的新闻，不知道市场会如何反应

关键信息：
1.个人收入125K以下，couple收入200K以下
2.不需要付LMI

“This scheme will be available to buyers with an income of up to $125,000 or a couple with $200,000, where they are both first home buyers. Support would stay in place for the life of the loan and when they refinance in a few years time, when the equity increases.”

The new scheme will also help first home buyers save around $10,000 by not having to pay Lenders Mortgage Insurance

milysun

80%的贷款都贷不到了，95%贷款不是做梦？

zcwhy

放宽贷款吗？

Hetbert

你要是相信自由党胜选后的承诺。

不如去押联盟党下周能胜，1陪6，直接全款买房。。。

老衲

那15%谁出？政府担保？

labixiaoxing

关键看银行的贷款政策！

老衲

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LIVEPOLITICSFEDERALAUSTRALIA VOTES
Election 2019 Coalition campaign launch LIVE: Scott Morrison rallies the troops
By Fergus Hunter
UpdatedMay 12, 2019 — 1.06pmfirst published at 10.38am
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1.06pm
End of today's live coverage
Now that all the excitement is over, that's where we'll leave our live coverage today.

The campaign launch was, predictably, focused on the Coalition's key campaign messages. There was also a heavy personal focus on Scott Morrison and his family. And, of course, negative messaging about Bill Shorten.

And there was a new policy announcement with the scheme to help first home buyers get into the market.

Thanks for joining us today. And stick with us this week as we bring you the best news, analysis, opinion and in-depth features ahead of the May 18 election. We're on the home straight now.

12.49pm
More detail on the first home buyers scheme
The First Home Loan Deposit Scheme will offer up to $500 million in equity through the National Housing Finance and Investment Corporation.

"Complementing our First Home Super Saver Scheme, the First Home Loan Deposit Scheme will mean first home buyers won’t need to save for a full 20 per cent deposit, so Australians can get a loan and into the market faster. The Scheme will also help first home buyers save around $10,000 by not having to pay Lenders Mortgage Insurance," Morrison says in a statement.

"The First Home Loan Deposit Scheme will be available to first home buyers who have been able to save for a deposit of at least 5 per cent."

It would start on January 1, 2020, and capped for individuals earning $125,000 and couples earning $200,000.

The value of homes that can be purchases under the schemed will be determined on a regional basis.

猫儿不笨

莫里森终于急了
又不是银行老板

老衲

The Coalition will enable some home buy a home with a deposit as low as 5 per cent. The balance of the deposit would be guaranteed by the National Housing Finance and Investment Corporation.

The scheme would be limited to people with an annual income of $125,000 for singles or $200,000 for couples.

"This scheme would give preference to working with the smaller banks and the non-bank lenders to boost competition. Of course, the lenders will still be there ... lending the money. They will still do all the normal checks on the borrowers to make sure they can meet their repayments. This isn't free money," he says.

So this policy would bridge the gap between the lower deposit amount and 20 per cent of the property's value. While the amount is guaranateed by the government, approved applicants are still obliged to repay the loan but they won't need to spend as long saving for the purchase.

kidz821

房價要漲

katherman

看了一下细节，关键信息：
1.个人收入125K以下，couple收入200K以下
2.不需要付LMI

老衲

忽悠首置去接盘

老衲

工党会不会match offer

katherman

老衲 发表于 2019-5-12 14:00
忽悠首置去接盘

不想打击房价来提高首置业者可负担性，
而是选择给首次置业者更高的杠杆机会

katherman

kidz821 发表于 2019-5-12 13:59
房價要漲

给首次置业者很大的信心了，预计是个强支撑

猫儿不笨

这一招可能行
可能拉一批30岁以下选民
30岁以下选民占总选民数16.4%，70岁以上的占15.6%

但为什么这一招藏到现在呢？据说到今天30%选民已经投票了，其中不乏一大批30岁以下的
临急措施？

猫儿不笨

老衲 发表于 2019-5-12 14:02
工党会不会match offer

很有可能
莫里森出得起的肖顿也出得起，看他的口气。就500million嘛
莫里森还沿用了很多Turnbull的东西

nineyes

这个要真成了有可能是下次澳洲次贷的起因，银行也不傻不会贷95的

jacsonlin

去年卖房的郁闷了，击鼓传花游戏继续。

猫儿不笨

这几天Abbott和Dutton所在选区情况对他们不好
Sportsbet昨天取消了把他们两个绑在一起的一个bet
尤其在Abbott的选区，年轻人都抛弃他了，Abbott正像热锅上的蚂蚁呢，对年老选民们说，这是他的生死搏斗。。。

kidz821

nineyes 发表于 2019-5-12 14:13
这个要真成了有可能是下次澳洲次贷的起因，银行也不傻不会贷95的

First home buyer 付5% deposit
15% 包底
銀行還是80

猫儿不笨

一直有记者问，肖顿也说不排除，上台后考虑给首次购房者优惠政策
这一下会把这个优惠政策直接逼出笼
而且应该很快
每天都有人投票

westfarmer

多出来15%谁出呢？


银行还是政府啊，利率多少啊

切

猫儿不笨

任何政策也都可能得罪另一伙人
不担心20%而一直在等房价再跌的，会投反对票

老衲

westfarmer 发表于 2019-5-12 14:23
多出来15%谁出呢？

我的理解是，个人5%现金，贷款95%，万一default，政府抗15%，银行抗80%

老衲

katherman 发表于 2019-5-12 14:02
不想打击房价来提高首置业者可负担性，
而是选择给首次置业者更高的杠杆机会 ...

这明显有诱导性的政策offer，要是首置default了，可不可以告政府欺诈？

猫儿不笨

这一招毒辣之处是更可能打动工党阵营年轻人

ItsThere

两党头头儿为了位子要喊破天了。。。

linacheng

這個吸引

猫儿不笨

老衲 发表于 2019-5-12 14:30
这明显有诱导性的政策offer，要是首置default了，可不可以告政府欺诈？

政府付钱给保险公司买那15%风险，出事了有保险公司兜着
银行只对那80%走正常程序，银行批了，政府也批

说白了政府就是付15%的保险费用