联邦银行警告借款人！！！

atransformer · 发表于 2014-5-31 07:07:00

http://www.afr.com/p/business/fi ... xu6azu1TGGCEpA0lH0I
“The key thing we have got to bear in mind in a low interest rate environment where people are borrowing, is that when interest rates inevitably go up, which they will at some point, that the [loan repayments] they have taken on is commensurate with what they will be able to do in a higher interest rate environment,” he said.
Mr Narev’s comments follow a warning by prominent real estate agent John McGrath this week that low rates could cause the property market to overheat.

atransformer · 发表于 2014-5-31 07:47:25

http://www.afr.com/p/national/mc ... Ty2Cd3O838PNEoefJKI
Even John McGrath, Sydney’s most prominent real estate spruiker, is concerned the nascent real estate boom spurred by low interest rates is at risk of overheating.
Mr McGrath, the chief executive of McGrath Estate Agents, says the -Sydney market is “hot, hot”, citing auction clearance rates above 80 per cent over the past three months.
“I haven’t seen it this hot since the last real estate boom,” he told a mortgage brokers conference in Sydney.
“If there is pressure to keep growing at this level – which I don’t suspect we will – quarter after quarter after quarter, we’d probably end up in trouble because we just can’t grow this rapidly.”
Other experts – although no one as prominent in the property industry – have raised concerns low rates are doing more to drive up prices of existing homes and apartments rather than encourage new building, which is a goal of the Reserve Bank of Australia.
Banks, wary of over-extended customers, are closely watching the -surging market. Commonwealth Bank of Australia chief executive Ian Narev said banks had to be careful because some borrowers could find it more difficult to pay their mortgages when rates inevitably returned to more normal levels in the years ahead.