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地产新闻更新~~~~
Experts see rates hitting 10 per cent by 2012
'Strong prices, labour market fuelling inflation'
Millions of homeowners at risk from rises
MORTGAGE rates are predicted to hit a horror 10 per cent within the next two years as the Reserve Bank hikes rates to prevent runaway inflation.
Leading economists say soaring commodity prices and rapidly rising employment are stoking dangerous inflationary pressures that the RBA is determined to stamp out.
As a result, economists at Macquarie Bank and Commsec, the Commonwealth Bank's investment arm, have both forecast the cash rate will hit "pre-crisis highs" of 7.25 per cent by 2012 if the economy continues to perform so strongly.
Since banks have expanded their profit margins during the financial crisis, that translates to variable mortgage rates of 10.1 per cent - the highest since 1996.
"The banks' margin above the cash rate has crept up to almost 2.90 per cent," said Josh Williamson, chief economist at Citibank. "So the cash rate doesn't even need to rise as high as last time (for mortgage rates) to hit double figures."
If rates do hit 10 per cent, a borrower who took a $300,000 mortgage when rates bottomed at 5.75 per cent last year will see monthly repayments rise by $839 a month, from $1887 to $2726.
Even if rates hit 9.50 per cent, the same borrowers will see repayments rise by $734 a month.
Mortgage brokers have urged potential buyers to factor in at least another two percentage points of rate hikes into their calculations before deciding how much to borrow.
今天没有任何的图表,但是今天的新闻同样重磅!
这篇文章来自于 The Sunday Telegraph。
专家预计,到2012年,利率将会突破10%,这样对于一个在利率是5.75%的时候贷款30万的家庭来说一个月要多还$839,(对于现在的我来说,这些钱是我一个月的房租),即使利率涨到了9.5%,那么这个家庭也同样面临着$734的额外支出!
专家这样预测的根据就是现在澳洲经济在转暖和就业率的不断提升,而这一切都会使通货膨胀加剧。央行为了消减通胀压力,不得不选择加息。
所以在这一背景下,贷款经纪人提醒人们,在贷款的时候,至少要加少2个百分点的利息再决定贷多少。 |
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