{"id":34841,"date":"2021-09-29T11:24:21","date_gmt":"2021-09-28T22:24:21","guid":{"rendered":"https:\/\/propertynoise.co.nz\/au\/?p=34841"},"modified":"2021-09-29T11:24:21","modified_gmt":"2021-09-28T22:24:21","slug":"home-loan-crackdown-appears-imminent","status":"publish","type":"post","link":"https:\/\/propertynoise.co.nz\/au\/home-loan-crackdown-appears-imminent\/","title":{"rendered":"Home loan crackdown appears imminent"},"content":{"rendered":"<p><strong>PHOTO: Regulators are becoming increasingly concerned by rising house prices and the growing debt fuelling the boom.<cite class=\"_3gxdk _3rsys _1srG4 _3PhF6 _10YQT _2Cu8q\" data-component=\"Figure__cite\">(<\/cite>ABC News<cite class=\"_3gxdk _3rsys _1srG4 _3PhF6 _10YQT _2Cu8q\" data-component=\"Figure__cite\">)<\/cite><\/strong><\/p>\n<p class=\"_1HzXw\">The Treasurer has given the strongest indication yet that a home loan crackdown is looming, confirming that surging house prices were a key topic of discussion at a regulators&#8217; meeting on Friday.<\/p>\n<section class=\"_1uHEE _2Mryn _2X-83 g1U-R v-gc3\" role=\"contentinfo\" aria-label=\"key points\" data-component=\"KeyPoints\">\n<h2 class=\"wYJvU _1o1Da _1cBaI _18377 _2yZBa _3I3Xh _2uBSR _10YQT _1lh6E\" data-component=\"Heading\">Key points:<\/h2>\n<ul class=\"_1PvbE\" role=\"list\" data-component=\"List\">\n<li class=\"\" data-component=\"ListItem\">Treasurer Josh Frydenberg says the Council of Financial Regulators discussed the recent surge in home prices last week<\/li>\n<li class=\"\" data-component=\"ListItem\">Analysts expect the council to announce new home lending restrictions before the end of this year<\/li>\n<li class=\"\" data-component=\"ListItem\">The last time home lending rules were tightened property prices fell, especially in Sydney and Melbourne<\/li>\n<\/ul>\n<\/section>\n<p class=\"_1HzXw\">The typical Australian home has seen its value climb more than 18 per cent over the past year, with some cities and many regional areas seeing even larger price jumps.<\/p>\n<p class=\"_1HzXw\">Fuelling the rise\u00a0in prices has been an increase in debt, as record-low interest rates have made larger loans more affordable.<\/p>\n<p class=\"_1HzXw\">The total value of monthly home loan approvals, excluding the refinancing of existing loans, jumped by more than two-thirds over the past year.<\/p>\n<p class=\"_1HzXw\">Now the architects of the latest housing boom \u2014\u00a0the Reserve Bank, through record-low interest rates;\u00a0the banking regulator APRA, through looser lending standards; and the federal government, through its HomeBuilder stimulus scheme \u2014\u00a0have met to discuss what to do about it.<\/p>\n<p class=\"_1HzXw\">&#8220;Last Friday, I joined the Council of Financial Regulators to discuss a range of issues including the state of the housing market which is a particular focus for both APRA and the RBA,&#8221; Treasurer Josh Frydenberg told the ABC in a statement.<\/p>\n<aside class=\"_2X-83 g1U-R _1VIKT\" data-component=\"Pullquote\">\n<blockquote class=\"_2Bzft\">\n<p class=\"_1HzXw\"><em><strong>&#8220;We must be mindful of the balance between credit and income growth to prevent the build-up of future risks in the financial system.<\/strong><\/em><\/p>\n<\/blockquote>\n<\/aside>\n<p class=\"_1HzXw\">&#8220;Carefully targeted and timely adjustments are sometimes necessary. 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&rarr;<\/a><\/span><\/p>\n","protected":false},"author":1,"featured_media":34842,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[461747081],"tags":[478098512,478118201,478110823,478099524,478116620,478098521,478118199,478098860,478118198,478098542,478098519,478118200,478098535,478098513,478098873,478098579,478098510,478098514,478098511,478098705,478098533,478098509,478101131],"class_list":["entry","author-data123nz","post-34841","post","type-post","status-publish","format-standard","has-post-thumbnail","category-australian-property-real-estate-news","tag-australia","tag-australian-home","tag-australian-mortgages","tag-australian-real-estate","tag-australian-real-estate-news","tag-australians","tag-council-of-financial-regulators","tag-home-loan","tag-home-loan-crackdown","tag-home-loans","tag-home-ownership","tag-homebuilder-stimulus-scheme","tag-house-prices","tag-property","tag-property-investment","tag-property-market","tag-property-news","tag-propertynoise","tag-real-estate","tag-real-estate-agency","tag-real-estate-agent","tag-real-estate-news","tag-treasurer-josh-frydenberg"],"yoast_head":"<!-- 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