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标题: 听到可能要关闭海外贷款的消息？！ [打印本页]

作者: caroro 时间: 2016-4-21 13:22:41 标题: 听到可能要关闭海外贷款的消息？！

  最近正在了解，准备买第一套自住房。
  跟贷款经理聊了下，他的意思是有很大几率银行马上要关闭海外贷款了。。
  各位觉得关闭海外贷款会对现在房市有大影响吗。

作者: love_3_month 时间: 2016-4-21 13:35:07

听说以后银行都不专心想赚钱了，可能会去做慈善

作者: hkw516 时间: 2016-4-21 13:47:29

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作者: winstown 时间: 2016-4-21 13:56:18

http://www.nzherald.co.nz/econom ... p;objectid=11625346
不是没可能。

作者: John.G 时间: 2016-4-21 13:57:22

听说以后银行马上要关闭海外贷款了 +
听说以后银行都不专心想赚钱了 +
听说以后银行可能会去做慈善+
听说以后房价会腰斩 = 房价 === 0

作者: caroro 时间: 2016-4-21 13:58:31

love_3_month 发表于 2016-4-21 12:35
听说以后银行都不专心想赚钱了，可能会去做慈善

确实如果关了，感觉会穷死。。。但是我不准备海外贷款。。。经理跟我说这个也许有一丝丝可信度？

作者: caroro 时间: 2016-4-21 14:00:39

hkw516 发表于 2016-4-21 12:47
听说，以后房价会腰斩，楼主不要急，再等等

腰斩感觉不太。。。。。唉。。。等到什么时候。。。准备年底之前先做个贷款预批。。。

作者: 小呢呢 时间: 2016-4-21 14:02:50

明年大选，今年房价继续失控的话对国家党没好处！

作者: hkw516 时间: 2016-4-21 14:06:57

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作者: caroro 时间: 2016-4-21 14:41:19

hkw516 发表于 2016-4-21 13:06
等到了就到了啊

最怕就是一边等。一边又看着房价嗷嗷的涨。

作者: scottiedave 时间: 2016-4-21 17:35:02

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作者: 一曰方茗 时间: 2016-4-21 20:43:47

scottiedave 发表于 2016-4-21 16:35
内部是有提过海外贷款会有大改变

看来楼上是内部人士

我从朋友那儿听到的以及澳洲论坛上看到的信息都说澳洲各大银行这2个月开始收紧海外收入贷款，审批过程异常严格，是不是新西兰也快了？

作者: man 时间: 2016-4-21 20:58:46

今天澳洲的WESTPAC已经停了海外借贷。。。。

作者: mulder82 时间: 2016-4-21 21:14:46

昨晚参加Barfoot南区Regional Award，Peter Thompson亲口说政府很可能最近会出台新政策压制房价的继续上扬。这些海外来购房的还能在本地贷款本身就是不合理的，迟早会被政府政策砍掉。

作者: anyang_lee 时间: 2016-4-21 21:16:41

赶紧关吧，在为首套房奋斗的人终于有点希望了，不用住去gulf harbour，最好关闭海外人士购买二手房。

作者: NZBuilder 时间: 2016-4-21 21:23:27

anyang_lee 发表于 2016-4-21 20:16
赶紧关吧，在为首套房奋斗的人终于有点希望了，不用住去gulf harbour，最好关闭海外人士购买二手房。 ...

gulf harbour环境不错的说

作者: wfsr 时间: 2016-4-21 21:31:38

这招狠啊。。。。。

作者: pear 时间: 2016-4-21 21:54:32

澳洲的新闻已经报了，westpac从26号开始全面禁止用海外收入贷款。新西兰肯定也会跟上的，谁要用海外收入贷款的抓紧吧。

作者: seakiwi 时间: 2016-4-22 04:31:12

我觉的这招会有些作用的

作者: FM811 时间: 2016-4-22 16:01:47

看来房事又要歇菜了

作者: Lease 时间: 2016-4-22 16:19:37

Google了半天，也没有查到任何英文媒体报道。

在澳洲人也对日益高涨的房价怨声载道的时候，媒体不应该错过这样的新闻。

作者: caroro 时间: 2016-4-22 16:36:41

Lease 发表于 2016-4-22 15:19
Google了半天，也没有查到任何英文媒体报道。

在澳洲人也对日益高涨的房价怨声载道的时候，媒体不应该 ...

没有新闻吗？我前几天问的也是westpac的贷款经理呢。

作者: caroro 时间: 2016-4-22 16:37:31

pear 发表于 2016-4-21 20:54
澳洲的新闻已经报了，westpac从26号开始全面禁止用海外收入贷款。新西兰肯定也会跟上的，谁要用海外收入贷 ...

亲。有链接吗。

作者: 中舜信贷 时间: 2016-4-22 17:15:01

您好，已经PM您了，欢迎联系。

作者: 微苦蓝山 时间: 2016-4-22 17:34:34

Lease 发表于 2016-4-22 15:19
Google了半天，也没有查到任何英文媒体报道。

在澳洲人也对日益高涨的房价怨声载道的时候，媒体不应该 ...

http://www.wsj.com/articles/aust ... reigners-1461055560

http://www.theaustralian.com.au/ ... 454fede8eb602d7a733

http://www.adelaidenow.com.au/ne ... f6615d13a2365be6f10

http://www.domain.com.au/news/co ... rs-20160419-goa192/

作者: winstown 时间: 2016-4-22 17:45:00

http://www.nzherald.co.nz/busine ... p;objectid=11626940

作者: Lease 时间: 2016-4-22 17:52:26

微苦蓝山发表于 2016-4-22 16:34
http://www.wsj.com/articles/australian-banks-tighten-mortgage-lending-requirements-for-foreigners- ...

谢谢，你的链接中大部分都需要subscribe才能阅读，只有最后一个可以直接打开，这一篇也是主要讲
Commonwealth Bank的， Westpac只是最后提到了一句。

作者: 微苦蓝山 时间: 2016-4-22 17:58:00

Lease 发表于 2016-4-22 16:52
谢谢，你的链接中大部分都需要subscribe才能阅读，只有最后一个可以直接打开，这一篇也是主要讲
Common ...

你直接在google搜关键字：
australia home loan overseas income

出来的link直接点，是可以看到文章的。。。不知道为什么贴过来就不行

作者: 微苦蓝山 时间: 2016-4-22 18:04:02

Australian Banks Tighten Mortgage-Lending Requirements for Foreigners
Banks’ tolerance for risk wanes as Australia’s housing market and commodity-driven economy slow
Apartment blocks stand in the suburb of Breakfast Point in Sydney, Australia, on Wednesday, Feb. 17, 2016. ENLARGE
Apartment blocks stand in the suburb of Breakfast Point in Sydney, Australia, on Wednesday, Feb. 17, 2016. PHOTO: BLOOMBERG NEWS
By ROBB M. STEWART
April 19, 2016 4:46 a.m. ET
0 COMMENTS
MELBOURNE, Australia—Australia’s biggest banks are toughening lending criteria for home loans to foreigners.

Commonwealth Bank of Australia Ltd., the country’s biggest bank by market value and the largest mortgage-lender, as of Monday tightened requirements for some foreigners with applications involving self-employment and temporary visas. That echoed a move last month by Australia & New Zealand Banking Group Ltd.

Australian lenders—who have enjoyed years of relatively low levels of bad debts—are losing their appetite for risk as the country’s red-hot housing market shows signs of slowing and stresses mount for resources companies amid a slump in commodity prices. Authorities last year also pushed banks to tighten lending standards as they worried that speculative home-loans were fueling house prices and that banks would loosen lending standards as they scrambled for market share amid a record low central-bank cash rate.

Foreign investment into Australian real estate has been booming, accounting for about 50% of the value of all investment approvals granted by the country in the last financial year. A large proportion of the property investments involved Chinese investors, government data showed.

Nonresident Chinese own a small portion of Australia’s housing stock but the central bank recently said they account for a significant and increasing share of purchases, particularly apartments in Sydney and Melbourne. In its latest assessment of the financial system, released last week, the Reserve Bank of Australia warned that if a significant subset of property buyers, such as increasingly important Chinese buyers, reduced demand sharply it would weigh on housing prices. Such a reduction in housing demand could come from a sharp economic slowdown in China or a further tightening of capital controls by Chinese authorities, it said

Still, the central bank said the Australian banking system has little direct exposure to Chinese investors. While Australian-owned banks engage in some lending to foreign households to purchase Australian property, the amounts are small relative to their mortgage books, it said.

The changes introduced by Commonwealth Bank include no longer allowing foreign currency income as an eligible source of income in home-loan application, as well as lowering the maximum ratio for loans to 70% of the value of the property from 80% previously for certain foreign residents living and working in Australia and being paid in Australian dollars.

“We constantly review and monitor our home-loan portfolio to ensure we are maintaining our prudent lending standards and meeting our customers’ financial needs,” a spokesman for the bank said Tuesday.

Like other banks in Australia, Commonwealth Bank last year lifted mortgage rates on home loans to investors in response to a call by the industry regulator to curb lending to local property speculators.

Last month, mortgage brokers received a letter from ANZ saying it was changing foreign-income thresholds and increasing the documents required to include all visa information, employment contracts and three months of pay slips. The note said it also would no longer accept applications from borrowers that only have income from overseas, and would fix the maximum loan-to-value ratio at 70% for applicants with foreign income of more than 50% of their total.

A spokeswoman for National Australia Bank Ltd. said the lender on April 9 tightened its loan limit for foreign applicants to 70% of home values from 80%, and that settings were continually reviewed.

In March 2015, the former federal treasurer ordered the sale of a 39 million Australian dollar (US$30.2 million) Sydney property that he ruled had been purchased illegally by a foreign-owned company. Since then, the Australian Taxation Office ruled that more than 25 further homes unlawfully held by foreign nationals would be sold.

Proposed investment in residential real estate increased to A$60.8 billion in the year to mid-2015, from A$34.7 billion the year before, with a further A$36.2 billion of proposed investment in commercial real estate, according to data from the Foreign Investment Review Board.

Approved foreign investment in residential and commercial real estate reached A$96.9 billion in the 2015 financial year, compared with A$74.6 billion the year before, according to data from the Foreign Investment Review Board.

Write to Robb M. Stewart at [email protected]

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作者: 微苦蓝山 时间: 2016-4-22 18:04:32

Foreign incomes do not count for temporary residents buying property in Australia
April 19, 2016 2:00am
Sophie ElsworthPersonal finance writerNews Corp Australia
Subscriber Exclusive Icon

The nation’s biggest bank will no longer accept foreign incomes as part of a home loan application.
EXCLUSIVE

THE nation’s biggest bank has slammed the door shut on home loan lending to some applicants with foreign incomes as it further tightens its lending standards.

The Commonwealth Bank yesterday revealed it would no longer be accepting home loan applications from temporary residents who are not earning an income in Australia.

It comes just a month after ANZ reviewed its lending to foreign investors and temporary residents.

The CBA crackdown is expected to have a flow-on effect to other lenders and could make it easier for Australian residents to buy property by cutting out applications from temporary residents, experts say.

The Foreign Investment Review Board’s report this month revealed $97 billion of real estate investment by foreigners was authorised in Australia in 2014-15.

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Mortgage broking firm Home Loan Experts’s managing director Otto Dargan said the shift by CBA was a sign banks were “far less interested in dealing with temporary investors and foreign investors.”

“The banks are worried because there’s been a large number of borrowers faking an offshore income to get a home loan,’’ he said.

“Some banks have tightened their policy and others pulled out of lending to people overseas altogether.

“At the moment foreign investors can still buy properties but their choice of lenders is shrinking fast.”

However under these latest changes by CBA, foreign currency PAYG income and foreign currency rental incomes will still be acceptable income sources for Australian citizens, Australian permanent residents and New Zealand citizens.

Noting the move will reduce the number of applicants falsifying incomes, a CBA spokesman said only a low number of applicants would be affected by these changes.

“CBA has tightened our requirements for some temporary residents in the areas of self-employed applicants and temporary visas who are seeking to borrow for residential purposes,’’ he said.

“Applications involving these customers represent a significantly low proportion of our total home loan applications and these are verified and assessed in line with Commonwealth Bank’s lending policies including requirements for income earned in Australia.”

The CBA has also tightened the screws on loan-to-value ratios — the maximum LVR for temporary Australian residents living and working here and being paid in Australian dollars is being reduced from 80 per cent to 70 per cent.

The Real Estate Institute of Australia’s president Geoff White said it was “good news” for local buyers.

“It’s going to make it more difficult (for temporary residents) to obtain finance to buy,’’ he said.

“There’s no doubt it will have an effect, the question is to what degree.”

Unlike CBA, a National Australia Bank spokeswoman said the bank continues to lend to temporary residents with foreign incomes.

“All foreign home loan applications are considered on a case-by-case basis and assessed under verification standards for employment and income, and that these settings are continually reviewed,’’ she said.

NAB reduced its maximum loan-to-value ratio from 80 per cent to 70 per cent for foreign applicants.

Westpac said it regularly reviewed its nonresident lending policies to ensure continued responsible lending consistent with the economic landscape.

[email protected]

作者: 微苦蓝山 时间: 2016-4-22 18:04:57

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Commonwealth Bank joins foreign mortgage crackdown
THE AUSTRALIANAPRIL 20, 2016 12:00AM
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Commonwealth Bank has told brokers it would no longer accept applications using self-employed foreign income.

Commonwealth Bank has told brokers it would no longer accept applications using self-employed foreign income.

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Commonwealth Bank has joined peers in cracking down on mortgage lending to borrowers heavily reliant on income from offshore, just days after the Reserve Bank expressed growing concerns about fragilities in the property market.

As ratings agency Fitch forecast a pick-up in mortgage stress, CBA told brokers it would no longer accept applications using self-employed foreign income and where the borrower was a temporary Australian resident receiving foreign currency income.

The nation’s biggest bank also said the maximum loan-to-value ratio for temporary residents being paid in Australian dollars was being reduced from 80 per cent to 70 per cent. The changes took effect on Monday.

“Applications involving these customers represent a significantly low proportion of our total home loan applications and these are verified and assessed in line with Commonwealth Bank’s lending policies including requirements for income earned in Australia,” a bank spokesman said.

Rival ANZ last month stopped lending to borrowers who generated all their income from offshore, while customers with more than half of their income from foreign sources were capped at an LVR of 70 per cent, thus requiring a deposit of 30 per cent of the property’s value.

ANZ stopped short of cutting off Australian citizens working overseas, but said they would also be subject to more rigorous document requirements. A Westpac spokesman did not respond to whether changes had also been made, saying the bank “regularly reviews its non-resident lending policies”. National Australia Bank did not respond.

John Flavell, the chief of broker Mortgage Choice, said CBA’s changes reflected trends “across the market” as an “increasing number” of lenders focused on income verification to ensure customers could “easily” service loans. CBA’s actions came as comparison site Finder.com.au claimed the average home loan size fell 7.71 per cent in the three months to February to $357,200, the biggest drop since 2000 as banks tightened standards and heat comes out of the property market.

After a three-year boom, concentrated in Sydney and Melbourne, property price growth is easing nationally and falling in areas heavily exposed to the mining slowdown. Listed real estate group McGrath this week cut earnings guidance, citing lower listing numbers and sales volumes in the north and northwestern suburbs of Sydney.

The Reserve Bank on Friday issued its strongest warning yet that the apartment market could correct as new developments swamp demand and borrowers struggle to get finance, singling out price pressure in Sydney, Melbourne and Brisbane.

It also expressed concern about weak demand for office buildings in Perth and Brisbane.

The RBA paid extra attention to demand from Chinese buyers for residential dwellings, warning that prices and bank losses could ensue if demand eased because of problems in the economy or Beijing clamped down on outbound capital flows. “If a significant subset of buyers reduce their demand sharply, this can weigh on housing prices ... and so lead to losses on the banks’ broader property-related exposures,” the RBA said.

Fitch said yesterday mortgage arrears fell to the lowest fourth-quarter level in 11 years after declining 20 basis points year-on-year to 0.95 per cent in the three months ending December 31. The annualised loss rate was unchanged at just 0.02 per cent.

But Fitch warned that self-employed borrowers “continue to experience financial difficulties” and broader pain was likely. “Fitch expects an uptick in losses over 2016 as property price growth moderates. In the year to March 2016, property price growth in the combined capital cities was 6.4 per cent, slowing from the double-digit growth experienced over much of second-half 2015.”

作者: 微苦蓝山 时间: 2016-4-22 18:05:37

Commonwealth Bank of Australia latest to tighten mortgages to foreigners
Date
April 19, 2016
Read later
Narayanan Somasundaram

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CBA accounts for one in every four mortgages in the country.
CBA accounts for one in every four mortgages in the country. Photo: Erin Jonasson
Commonwealth Bank of Australia, the country's largest mortgage lender, has tightened criteria for home loans to foreigners just as the central bank warned buying by Chinese posed an "indirect risk".

CBA, which accounts for one in every four mortgages in the country, will no longer approve applications that cite self-employed foreign income, it said in a note to mortgage brokers dated April 18. The lender will also not accept the foreign-currency income of temporary Australian residents, who can now only borrow up to 70 per cent of the value of a property compared with 80 per cent earlier, it said.

Such applications represented a "significantly low proportion of our total home loan applications", CBA said in an emailed statement. "We constantly review and monitor our home loan portfolio to ensure we are maintaining our prudent lending standards and meeting our customers' financial needs."

The bank's action follows a similar move by Australia & New Zealand Banking Group and comes as Chinese buying of Australian homes doubled for the second consecutive year, according to government data. The Reserve Bank of Australia last week warned of risks to property prices and banks' loan losses should demand from the second-largest economy decline.

Chinese investors
"The Australian banking system's direct exposure to Chinese property investors and developers appears to be small," the central bank said in its semi-annual assessment of the financial system. "However, if Chinese demand were to decline significantly, that could weigh on domestic property prices and so lead to losses on the banks' broader property-related exposures."

ANZ, the nation's most Asia-focused lender, last month changed the foreign-income threshold it applies when assessing mortgage applications. The lender will no longer accept requests where a borrower has only income from overseas. It fixed the maximum loan ratio at 70 per cent of the value of a home and increased the number of documents required to approve a loan.

The nation's two other large lenders have also tightened loan requirements for foreigners. National Australia Bank, in a note to brokers this month, cut the maximum loan-to-value ratio for foreigners to 70 per cent. Westpac Banking Corp said in an email it had not changed its foreign-investor rules, though it reviews its policies.

Purchases by foreigners, many with a connection to China, helped drive an almost 55 per cent jump in home prices across Australia's capital cities in the past seven years as mortgage rates dropped to five-decade lows. The rising demand has triggered community concern that locals are being priced out of the property market, prompting the government to tighten scrutiny of foreign investment.

Spending on Australian residential and commercial real estate rose to $24.3 billion in the 12 months through June 2015, up from $12.4 billion a year earlier and $5.9 billion in 2013, according to the Foreign Investment Review Board's annual report.

Bloomberg

Read more: http://www.smh.com.au/business/b ... .html#ixzz46WqVKTqC
Follow us: @smh on Twitter | sydneymorningherald on Facebook

作者: Lease 时间: 2016-4-22 18:07:06

微苦蓝山发表于 2016-4-22 16:58
你直接在google搜关键字：
australia home loan overseas income

从昨天到今天，朋友圈里大量转载的是Westpac停止海外人士贷款，所以我就只google了Westpac，所以找不到。

作者: caroro 时间: 2016-4-22 23:07:38

微苦蓝山发表于 2016-4-22 17:04
Foreign incomes do not count for temporary residents buying property in Australia
April 19, 2016 2:0 ...

感谢你~~~~~~~~~~~~

作者: caroro 时间: 2016-4-28 19:27:24

今天澳洲关了呢

作者: ROYO 时间: 2016-4-28 20:37:27

该来的还是来了，只要不做最后一个接棒的就好。

作者: yangauk 时间: 2016-4-29 02:54:15

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作者: myotherhalf 时间: 2016-4-29 03:22:44

早就听内部人士说了

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