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本帖最后由 老沈在澳洲 于 2020-11-7 15:26 编辑
昨天收到中介的“垃圾邮件”（每月发），提到目前房贷情况，按他说的，贷款并没有放松，还是很紧，比如提到收jobkeeper的都会被降低贷款额度。这样的话，也就是仅能释放有钱、有足够贷款能力的那批买家。
New lender requirements
Most of the banks are now requiring borrowers to provide additional information regarding job security and income. This normally takes the form of a bit of background information, details of the industry in which the borrowers work and job security. Additional checks are being done up to loan settlement to ensure borrowers are still employed at this time.
There are few industries that are completely restricted however people working in tourism, hospitality, retail and entertainment are coming under tighter scrutiny.
Industries such as property, construction and financial services are generally O.K. however bonus income is being looked at closely and borrowing capacity reduced.
Self-employed applicants are normally required to have 2 years financial returns and are now required to show up to date BAS returns as a check on ongoing income.
Essential services, medical, trades, police and military are all doing well with additional benefits and lower deposits required for lending. Borrowers on Jobkeeper are closely scrutinised and mostly don't qualify for loans for mid to higher value properties. Lending for small commercial, warehousing and retail has not been too restricted however the tenancy (occupation, payment history and lease conditions) is crucial.
Due to the high volume of refinancing and reduction in use of overseas call centres the turnaround time for loan applications has increased substantially with some major banks not commencing work on an application for 3 to 4 weeks. We are recommending clients have pre-approval in place prior to purchase and also requesting extended settlements to allow for the extra time in processing loans. |
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寒冬----胡椒猪肚乌鸡汤三吃----喝汤，火锅，下乌冬！ (2019-7-4) ta_xiang 
背不動背包 游新泰港台 一期一會 一天一圖 新加坡 泰國 香港 臺灣環島 #泡裸湯 #見櫻花 (完) (2018-7-10) slau1 
楼主:asschemer007
发表于 2020-11-7 13:28
