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msstar 发表于 2017-2-28 11:08 
谢谢大神解释. 不过我就是在电脑上点开看的呢, 说这个是限制给subscriber看的. 可能我浏览器的问题? ...
CBA and other lenders are raising borrowing rates by up to 50 basis points, cutting discounts, reintroducing $600 administrative fees and revamping product ranges as strong buyer demand for property in Melbourne and Sydney enables lenders to offset rising costs and rebuild margins.
Other lenders are raising rates because of fears a demand surge could overwhelm their administrative systems and accelerate volumes to the regulatory speed limits.
CBA, the nation's biggest mortgage lender, is raising rates for the second time in two weeks and reintroducing some fees.
The bank is set to announce an increase of 47 basis points, or a rise to 4.73 per cent, on its three-year "special rate" investment loans. The rate on its owner-occupied "special rate" loan is rising by 30 basis points.
It is also reintroducing a $600 establishment fee, or $8 monthly loan service, for the special rate offers, starting immediately.
"From time to time we offer special discounts on select products," a bank spokesman said about new products.
"This week we informed our mortgage broking partners, that our existing 3 year Special Rate Saver Offer has been replaced with new rates on our Extra Home Loan product, which offers a better rate when the introductory two year special discount expires than the existing Special Rate Saver product," he added.
Other big name lenders such as AMP Bank, a division of the nation's largest diversified financial conglomerate, and National Australia Bank, are revamping their product offerings.
For example, AMP has pulled a 4.09 basis point offer on a three-year fixed rate and raised the rate to 4.59 basis points.
AMP recently announced it will no longer accept new refinance applications from property investors. NAB is withdrawing its Homeplus and Peak Performance products.
A NAB spokesman said that existing customers will not be disadvantaged and that it has increased the product range available through mortgage brokers.
Newcastle Permanent, which has a large deposit base to fund loans, is cutting the discount on its Premium Plus package of mortgage and credit products by 10 basis points to 43 basis points. Last month it increased the cost of fixed rates on owner-occupied and investment loans from between 5 and 25 basis points for one to three years.
Australian First Mortgage, a non-bank lender, is also restructuring its product range and increasing four-year fixed rates by 50 per cent.
Bank Australia, which uses retail deposits to fund lending, has reintroduced a $595 establishment fee on all home loans and has increased variable rates by 8 basis points.
"This is reflective of continued pressure for the bank to raise retail deposits in order to fund lending activity, which continues to be strong in recent months," an Australian Bank spokesman said.
"We have seen an uptick in demand from investors over past weeks but we have not sought to offer incentives to attract more of this lending at this time as we are getting the growth we are seeking," he said.
Property borrowers are responding to a complicated mix of local, international and regulatory funding pressures plus rising pressures from competitors' rate increases that could test their administrative capacity to handle a surge in new loan applications.
But analysis of fixed and variable property loans reveals competition around the benchmark 4 per cent rate remains strong, despite a big increase in rate rises by several lenders during the past three months.
For example, there are 13 one-year fixed rates at 4 per cent, nearly twice the number available at the same point last year and representing more than 10 per cent of the total of loans available, according to exclusive analysis of rates for AFR Weekend by Canstar, a research company.
The analysis is based on $1 million investor principal and interest investor loans with a 20 per cent deposit.
According to Mortgage Choice, a listed national mortgage broker, another source of pressure on lenders is an estimated $1 billion in potential loans a month looking for a new lender after the CBA recently introduced higher interest rates on investor loans.
Some lenders are concerned their back offices could not handle a big increase in loan applications while rising volumes could push them close to the APRA 10 per cent speed limit, leading to the possibility of increased capital requirements and lower return on capital.
Other lenders to increase rates include loanave, MyState and Homeloans.
Read more: http://www.afr.com/personal-fina ... ultrd#ixzz4ZvzJqTXO
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那一棵树（二） (2016-1-23) ahyu 
楼主:BOC
发表于 2017-2-27 21:54
不太会。。。银行这种反常的做法一般都是内部有问题。。。在找钱补窟窿，这种和政府砍支出一样的
真是太感谢啦~~~