我来解释一下为何此时银行降息，省的某个特大型奇葩盒子拿着降息当个宝贝自撸

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espedd 发表于 2018-11-16 09:27
貌似楼主是接近政府或者银行内部人士。。让我等肃然起敬， 好一个倒钩！

他和政府银行关系很深

每天都催促政府发福利，银行天天打电话给他请安嘻嘻

bungyjumping999

Average (not so good) bank customers (those with higher loan margins) basically won't change and can't change bank as the refinancing bank is not willing to take them on.

This 3.95% are targetted at good customers who are willing to change bank and banks are willing to fight for them to take them on. Good customers are people with proper documentation for incomes and expenses, and proper job on record.

Why?

In Australia, there is a potential class action suing the banks for irresponsible lendings. They want banks to write off the amount that they can't afford to pay ( haha...). Sound familiar? "you shouldn't have lent me the money, not my fault"

- The banks are now looking at their books and see who they can get rid off. Before getting rid of some clients (whom they think they should not have lent the money to), they want to take on good clients first.
- Impact of tax against negative gearing and potential Capital gain tax. The banks are taking preventive measures on some of those investor clients. If the banks can smell trouble ahead before it is implemented, they will get rid of them earlier than later.

- Banks' safer bet is on first home buyers, stable income, family-owned borrowers ( back to basis)

- Situations are pretty bad in Australia, banks might face negative equity. In NZ, they have to juggle lending that was made to overseas investors few years ago and Post 22/10. haha....
The economic algorithm is slowly forming...

狂奔的蜗牛!!!

只有鬼才相信现在降息是好事。

V7

我觉得很搞笑的状态是，一直嚷嚷着外国人把本地房子卖走了，限制了外国人买房以后，才发现本国人根本买不起房。实际状况是新西兰的建房子确实是贵，各项成本都贵，都下不来。

tianyalpangzi

更少的人买房了，确实是负担不起。更少的人跟银行借款，本地银行已经借来的钱，借不出去了，银行自己还得付利息，不得不降息吸引客户。这就是个套，因为房地产的趋势和现实情况很明显了。

V7

yangauk 发表于 2018-11-17 20:01
那么老房子呢？国际市场变成了本地市场后，不再有超市场价的买家进入了，价格自然会回落到本地市场。跟旅 ...

就这么说吧，如果房屋短缺不是一个伪命题的话，人口的增长还是会推升房价，这个第一是供需关系。就如同你说的价格会回落到本地市场，可是建筑商不是慈善家，没有利润谁去建房子，只会说设计小些成本低的户型去迎合市场。绝对是羊毛出来羊身上。