ZT: 涨息，你担心吗？

NewLynnHse

http://www.stuff.co.nz/business/ ... -you-to-think-about

根据这篇报导，感觉不用太担心，银行如果给你贷款，意思就是说他们认为你可以扛得住7%左右，应该是这个意思吧？

The 'secret' mortgage rates banks don't want you to think about

There's a secret mortgage interest rate the banks aren't keen to discuss.

It's the "test rate" banks use when calculating whether a borrower can afford a loan.

The test rate is higher than the mortgage rates the borrower will pay, if they pass the test.

Mortgage broker Karen Tatterson says the public should understand mortgage affordability "test rates".

Mortgage brokers are privy to the test rates of banks, but banks don't publish them on their websites, and all the big banks refused to reveal theirs.

Currently, the test rates of the major banks run from 7.05 per cent to 7.4 per cent, brokers say.


That compares to floating mortgage rates of 5.6 to 5.75 per cent.

The test rates are used internally by banks when calculating whether a prospective borrower has the income to service the loan in case mortgage rates rise.

..............

songinator

洋人扛得住7%的意思    华人比较能抗  洋人年年要出去玩的  

NewLynnHse

songinator 发表于 2016-3-7 13:11
洋人扛得住7%的意思    华人比较能抗  洋人年年要出去玩的

华人杠杠的

lysh7717

华人就是强

love_3_month

是的，银行是用7% 来算的

Robbi

这个新闻更加证明了有些broker乱放所谓的“内幕”
谣言就是这么来的..唉
反正大家看着乐就好了

xpd2000

不太可能加息吧

不是说还要接着降么

NewLynnHse

xpd2000 发表于 2016-3-7 13:24
不太可能加息吧

不是说还要接着降么

大家为崩盘和涨息做好准备吧，有备无患。。。哈哈

晃过来晃过去

个人认为未来两次的OCR很可能会开始上行，在这刻个记号以后再来看看什么结果

mimisa

鼠版转的都是实话，不过是英文看不懂。
值得注意的是，在央行减息的当天都有消息说贷款要区别对待，可能房贷会加息。这不是谣言。