如果你想在澳大利亚购买房产，现在大多数州新房供应量大大高于今年前几个月，和去年同期相比也大幅增涨，这对你来说将是好消息。因此，将有更多的房子可供选择，这将改进供需平衡，卖家可能不再要求跟此前相同的价格。

澳洲房产投资贷款急剎車 你要如何突围？

在过去的两年里，利率下降鼓励买家进入市场或再次购买以扩大房地产投资组合。在连续23年的经济增长后，考虑到澳大利亚的良好以及相对稳定的经济和政治环境，投资者已经开始关注澳大利亚房地产的机会。

澳大利亚：资产避风港

最近汇率的机会（即澳元兑英镑和美元的快速贬值）鼓励外国投资者和澳大利亚“海龟”加入的澳大利亚购房者的队列。许多人称之为财富的避风港。

谈及房地产价格的增长，在截止2015年8月的过去的12个月里，澳大利亚州府城市房产价格涨跌不一。悉尼和墨尔本平均房价继续强劲增长，全年分别增长了17%和17%，而其他城市，如达尔文和珀斯，平均房价微降。你应该一直注意，即便是同一个州内，不同地区房价也与平均水平大不相同。

澳大利亚投资房地产贷款新规

然而，为了避开不断上升的价格影响，并在某种程度上抑制市场的涨势，澳大利亚审慎储备监管局（Australian Prudential Reserve Authority）最近强调了房产投资以及不负责任的借贷行为对澳大利亚房市以及整体经济的威胁。他们通过并引进了针对澳大利亚银行房地产投资贷款的新规。

此举令银行直接差别对待房地产投资者（而不是房主借款人），提高现有的住房投资贷款和新投资贷款的利率。这将帮助银行符合澳大利亚审慎储备监管局对投资贷款“合理增长”的预期。

其他变动

除了增加投资贷款利率，澳大利亚审慎储备监管局还决定不让银行2016年投资贷款规模增长10%以上。随后，银行针对房产投资贷款申请人制定了更严格的规定。曾多次抵押贷款买房的投资者将受最大的影响，这类借款人将更保守地对待他们现有的抵押贷款，以便限制新增贷款的数量。

由澳大利亚审慎储备监管局带动下的其他变化还包括大多数银行降低投资者最高贷款价值比率至80%。

以我们看来，其他银行自动发起的变化包括取消对房地产投资贷款相对于自住房贷款的促销和特殊折扣，在某种程度上或许旨在减少需求。

在当前的市场情况下，寻求专业的咨询可以节省你大量的时间和金钱。确保你的中介与能提供真正适合你的贷款政策的银行有来往。否则当你的首选银行拒绝你的申请，你可能会措手不及。

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Australian government puts the brakes on property investment

If you are looking to buy property in Australia it will come as good news that right now new listing numbers are considerably up from previous months this year, and compared to the same time last year in most states. So there should be more houses to choose from, ando that sellers may not be able to demand the same prices as before.

Over the last two years falling interest rates have encouraged buyers to enter the market or buy again to expand their property portfolios. Following 23 years of consecutive economic growth, and considering Australia’s favourable and relatively steady economic and political climate, investors have focused in on the opportunities in Australian real estate.

Australia a safe haven

Recent exchange rate opportunities (ie: the Australian dollar’s rapid depreciation against Sterling and the US dollar for example) have encouraged foreign investors and returning Australians to join the queue to purchase their own piece of Australia. Many might go so far as to call it a safe haven for their wealth.

In terms of property price growth, over the last 12 months to August 2015 there has been mixed results across all capital cities. Sydney and Melbourne continue to show strong growth, rising by 17% and 10% over the year respectively, whilst other cities like Darwin and Perth are showing slight reductions in average house price values. You should always be aware that different areas within each State can perform quite differently to the averages in market data.

New restrictions on Australian investment property lending

Nevertheless, in a bid to attempt to starve-off the impacts of spiraling prices, and somehow to keep rising markets in check, the Australian Prudential Reserve Authority recently highlighted threats brought about by investing in property and ‘irresponsible lending’ for the property market and the economy as a whole, in Australia. They have followed through and introduced new restrictions on investment property lending by Australian banks.

This move has created an opportunity for banks to immediately discriminate against property investors (as opposed to home-owner borrowers) and move to increase the interest rates applying to their existing investment home loans and new investment loans. This will help lenders come into line with APRA’s expectations around ‘reasonable growth’ for investment lending.

What other changes are they making?

In addition to increased rates for investment loans, APRA has determined that banks should not allow their investment lending books to grow by more than 10% in the next year. Subsequently, banks are making the lending rules tougher for applicants wanting investment property loans. This will most likely have the greatest impact upon those investors who already have multiple properties with mortgages. These borrowers will have their existing mortgages treated much more conservatively, to restrict the amount of new lending possible.

Other APRA-induced changes include reducing the maximum loan-to-value ratios for investors down to an average maximum 80% amongst most lenders.

Other bank-initiated changes we are seeing are the removal of promotions and special discounts for investment property lending versus homeowner lending, in a measure aimed perhaps at reducing demand.

Seeking advice could save you a lot of time and money in this current climate. Make sure your broker applies with a lender whose policies are actually suitable for you. Otherwise you may be in for a surprise when your first-choice bank declines your application.