The Reserve Bank of New Zealand has decided to loosen the loan-to-value ratio (LVR) restrictions, as stated today by the Deputy Governor and head of financial stability Christian Hawkesby on Wednesday.
"Our assessment is that the risks to financial stability posed by high-LVR lending have reduced to a level where the current restrictions may be unnecessarily reducing efficiency. In particular, impeding the provision of credit to some otherwise creditworthy borrowers, which is not proportionate to the level of risk that we see," Hawkesby said.
The loosening means for owner-occupiers that banks will now be able to advance up to 15% of their new lending (up from 10%) to customers borrowing on a loan-to-value ratio of in excess of 80%. For investors, the tight restriction that they must have 40% deposits to buy will be moved lower to 35%.
Peringatan: Pendapat yang disampaikan sepenuhnya merupakan milik penulis dan tidak mencerminkan posisi resmi Followme. Followme tidak bertanggung jawab atas keakuratan, kelengkapan, atau keandalan informasi yang disediakan, serta tidak bertanggung jawab atas tindakan apa pun yang diambil berdasarkan konten ini, kecuali dinyatakan secara tertulis.
Tinggalkan pesan Anda sekarang