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tommyinmeloz 发表于 2015-7-30 14:30 
这不是突然，是来的有点晚。
融资成本越低，杠杆放大效应越明显，风险越大。
这说明银行本身已经认为再不调 ...
这是前几天在Macrobusiness 上发表的一篇文章。Beginning of the end for the great investor bubble
这种收紧对现金流不好的中小投资客杀伤力还是蛮强的。
投资其实就是击鼓传花游戏，投资的就是信心，要是没有人接手了，谁还会去投？
Nerida Cole, managing director of Dixon Advisory’s financial advice arm, also believes that the banks have tightened their lending criteria recently in a range of ways, which could act to further slow the rate of investor mortgage growth. From The AFR:
“People who are more restricted with cash flow might find that the income that was previously considered [adequate] for obtaining investment loans is now heavily discounted,” Cole says. “This means it will hold less weight in the bank’s assessment of your risk potential”…
CBA and Westpac, for example, have reduced the weight rental income has on its loan calculations by 40 per cent, Cole says, while ANZ no longer counts negative gearing towards lenders’ ability to repay their loans…
Dixon Advisory’s modelling shows the amount of additional cash an investor could expect to be asked to hold to cover a $500,000 loan might be between $10,000 and $12,000…
Previously a borrower with a $500,000 loan and 20 per cent deposit would have reasonably been expected to prove cash flow of about $8600 a year before loan approval, after factors like rental income and negative gearing were accounted for. Dixon’s modelling shows that sum jumps to almost $21,000.
For a $1 million loan, the expected additional cash flow could be as high as $22,000 under the new standards, a leap from $14,700 to $36,870. |
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一次开腹腔手术的经历 (2018-1-23) swordmich 
楼主:Tomm
发表于 2015-7-30 14:30
